<html><head><style type="text/css"><!-- DIV {margin:0px;} --></style></head><body><div style="font-family:times new roman,new york,times,serif;font-size:12pt;color:#000000;"><div>Dear all,<br><br>Season's Greetings! In this, a time for joy and well wishes, I would like to wish all of you HAPPY HOLIDAYS as well as HAPPY, HEALTHY, AND PROSPEROUS NEW YEARS!!<br><br>It is indeed New Years we should be saying given that the Islamic New Year started just about a day or so ago, while the Christian (or Julian, take your pick) New Year is around the corner. So let's celebrate double, as we always do here in The Gambia!<br><br>Katim<br><br></div>
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