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Holiday Letters to Stockholders

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To our Shareholders:

We want to extend to each and everyone of you our
warmest wishes for the coming holiday season.

We are enclosing the financial results for the fourth
quarter and year to date period ending   [date]   and
hope that this "good news" will add to your holiday
spirits.

May your Christmas and Chanukah season be filled with
happiness and joy, followed by a most wonderful New Year.

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