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<DIV>FYI to all of you, there will be an outside speaker at =
the
Institute for the Annual Convention in Rochester this year to discuss
health options, including HSA's. This is not a salesman and he does no=
t
represent a particular company so we are hoping for an objective view. =
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<DIV> </DIV>
<DIV>Melanie Brooks</DIV></FONT></BODY></HTML>