SHIRLTOM

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0 height="100%"><tr> <td valign="top" width=200 BGCOLOR="#000000" TEXT="#F7F7FF"> <div> <A HREF="id48.htm" TARGET="_top" TITLE="SHIRLFENOR"><U><IMG SRC="3640b0b0.gif" border=0 width="11" height="11" ALT="previous" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A>   <A HREF="id50.htm" TARGET="_top" TITLE="shirlwaterford"><U><IMG SRC="3650b0b0.gif" border=0 width="11" height="11" ALT="next" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A>       <IMG BORDER="0" SRC="1x1.gif" HEIGHT="11" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" WIDTH="11">   <IMG BORDER="0" SRC="1x1.gif" HEIGHT="11" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" WIDTH="11"></div> <bR> <div> <B>Shirl and I in Tramore with the beach and the Irish Sea behind us......</B></div> </td> <td valign="top" BGCOLOR="#000000" TEXT="#F7F7FF"> <div> <FONT SIZE="5" COLOR="#FFFFFF" FACE="Arial" ><B>THOMAS F. RYAN            Tom@TOMRYAN.US</B></FONT>     |     <A HREF="index.htm" TARGET="_top" TITLE="THOMAS F. RYAN TomTOMRYAN.US"><U>home</U></A></div> <div> SHIRLTOM</div> <div> <IMG SRC="13f387f0.jpg" border=0 width="568" height="383" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> <bR> </td> </tr></table></body>