<html> TO ALL <br> MERRY CHRISTMAS AND HAPPY NEW YEAR!<br> MAY EVERYTHING IN THE COMING YEAR BE IN FULL BLOOM AND MAY THE DAYS THAT FOLLOW IT MAKE UP A YEAR THAT BRINGS YOU A MILLION HAPPY THINGS. AND WISHING YOU A LOT OF WEALTH.<br> <br> FROM<br> <br> NCUB(FAC) <BR> </html>