JandJG

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=90 BGCOLOR="#006699" TEXT="#080000" bgproperties="fixed" background="02c285a1erlcgo.gif"> <div> <FONT SIZE="5" COLOR="#FFCC66" FACE="Arial" ><B>David Paul Higgins</B></FONT><B>     |     </B><A HREF="index.htm" TARGET="_top" TITLE="David Paul Higgins"><U><B>home</B></U></A></div> <div> <A HREF="index.htm" TARGET="_top" TITLE="David Paul Higgins"><U><B><IMG SRC="03b0e0e0.gif" border=0 width="14" height="14" ALT="up" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A><B>   </B><IMG BORDER="0" SRC="1x1.gif" HEIGHT="14" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" WIDTH="14"><B>     </B><A HREF="id64.htm" TARGET="_top" TITLE="JandJF"><U><B><IMG SRC="02f0e0e0.gif" border=0 width="14" height="14" ALT="previous" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A><B>  </B><A HREF="id66.htm" TARGET="_top" TITLE="JandJH"><U><B><IMG SRC="0300e0e0.gif" border=0 width="14" height="14" ALT="next" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A></div> <div> </div> </td> </tr><tr> <td valign="top" width=210 BGCOLOR="#FFCC66" TEXT="#080000" background="02ad2c00dkelyh.gif"> <bR> </td> <td valign="top" height=390 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <I>JandJG</I></div> <div> <I><IMG SRC="1c036740.jpg" border=0 width="566" height="372" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></I></div> </td> </tr></table></body>