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<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=110 BGCOLOR="#FFFFFF" TEXT="#080000" bgproperties="fixed" background="16bf0f21egerdp.jpg"> <div> <B><IMG SRC="05b203c0.jpg" border=0 width="32" height="60" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B><FONT SIZE="5" COLOR="#66334C" FACE="Arial" ><B>   albernstein.com  PSYCHOLOGY THAT WORKS   </B></FONT><B>      |     </B><A HREF="index.htm" TARGET="_top" TITLE=" albernstein.com PSYCHOLOGY THAT WORK"><U><B>home</B></U></A></div> <div> <A HREF="id64.htm" TARGET="_top" TITLE="Pictures of the family"><U>Pictures of the family</U></A>   |   <B>*</B></div> <div> </div> </td> </tr><tr> <td valign="top" width=210 BGCOLOR="#FFFFFF" TEXT="#080000" bgproperties="fixed" background="16af2f02egerdp.jpg"> <bR> </td> <td valign="top" height=370 BGCOLOR="#FFFFFF" TEXT="#080000" bgproperties="fixed" background="16df0f03.jpg"> <div> <I>*</I></div> <div> This is a picture of Gene Fendler, Al's college roommate, who is now a successful New Orleans Lawyer</div> <div> <IMG SRC="15cfd1f0.jpg" border=0 width="509" height="287" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> </td> </tr></table></body>