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<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt'>Dear
members, friends and guests,<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt'>We
will have our annual United We Speak End-of-Year / Holiday Luncheon this Friday,
12/02/05 at 12noon in the Lobby Conference Room at <st1:Street w:st="on"><st1:address
w:st="on">1455 Market St</st1:address></st1:Street>.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt'>Please
reply to me with “Accept” or “Decline” by Thursday
morning (12/01) so we can plan the food and other festivities.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt'>WHAT:
Celebration: End-of-Year and Season’s Festivities<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt'>WHEN:
Friday, 12/02/05 @ 12noon<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt'>WHERE:
<st1:Street w:st="on"><st1:address w:st="on">1455 Market St</st1:address></st1:Street>,
Lobby Conference Room<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt'>This
will be our last meeting at <st1:Street w:st="on"><st1:address w:st="on">1455
Market Street</st1:address></st1:Street> until after the first of the year.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt'>See
you there,<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt'>Randy
Freeman</span><o:p></o:p></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt'>BA
Merchant Services, LLC</span><o:p></o:p></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt'>925-675-2020</span><o:p></o:p></font></p>
<p class=MsoNormal><font size=2 face=Arial><o:p> </o:p></font></p>
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