EMENT January 31.2005 TMETEETETelsTor eleccourbeal dowses otitis not INOMMEI as a tat doaevert Tin Abend shood M retaned for your records Soo worn Sr faffeSCROft rdormalpn 027 CGOINS:11:09 001 van EFTA00196230 CLEARED 'THROUGH RS WHOLLY OBAED SUBSIDIARY FINANCIAL TRUST CO INC 2 o13$ STATEMENT BACKER