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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=90 BGCOLOR="#006699" TEXT="#080000" bgproperties="fixed" background="04e285a1erlcgo.gif"> <div> <FONT SIZE="5" COLOR="#FFCC66" FACE="Arial" ><B>The Hilton Head Area Chapter-MOAA</B></FONT><B>     |     </B><A HREF="index.htm" TARGET="_top" TITLE="The Hilton Head Area ChapterMOAA"><U><B>home</B></U></A></div> <div>                                                   </div> <div> </div> </td> </tr><tr> <td valign="top" width=210 BGCOLOR="#FFCC66" TEXT="#080000" background="04dd2c00dkelyh.gif"> <div> Land of the Free</div> <div> Home of the Brave<IMG SRC="05fbc100.jpg" border=0 width="188" height="272" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"> </div> </td> <td valign="top" height=390 BGCOLOR="#FFFFFF" TEXT="#080000"> <bR> </td> </tr></table></body>