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                                                                                                                                 Paul S. Brandes

                                                                                                                                    Principal

                                                                                                                    Charter Realty & Development Corp.

                                                                                                           75 Holly Hill Lane Suite 305 Greenwich, CT 06830

                                                                                                         Tel: 203-689-7000 Fax: 203-689-7777 l www.chartweb.com

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