<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN">
<HTML><HEAD>
<META http-equiv=Content-Type content="text/html; charset=us-ascii">
<META content="MSHTML 6.00.6000.16735" name=GENERATOR></HEAD>
<BODY>
<DIV><FONT face=Arial size=2><SPAN
class=781154713-28102008> NOVEMBER 5TH - SPEAKER'S
LUNCHEON - MR. KELLY, ING DIRECT</SPAN></FONT></DIV>
<DIV><FONT face=Arial size=2><SPAN class=781154713-28102008>NOTE:
SPEAKER'S LUNCHEON HAS BEEN RESCHEDULED FOR 12:30 P.M.</SPAN></FONT></DIV>
<DIV><FONT face=Arial size=2><SPAN
class=781154713-28102008></SPAN></FONT> </DIV>
<DIV><FONT face=Arial size=2><SPAN class=781154713-28102008>TUESDAY, OCTOBER 28,
2008</SPAN></FONT></DIV>
<DIV><FONT face=Arial size=2><SPAN
class=781154713-28102008></SPAN></FONT> </DIV>
<DIV><FONT face=Arial size=2><SPAN class=781154713-28102008>Orange Juice -
Tomato Juice - Clam Juice - Apple Cider</SPAN></FONT></DIV>
<DIV><FONT face=Arial size=2><SPAN
class=781154713-28102008></SPAN></FONT> </DIV>
<DIV><FONT face=Arial size=2><SPAN class=781154713-28102008>Hot & Sour
Cabbage Soup - Snapper Soup - Borscht</SPAN></FONT></DIV>
<DIV><FONT face=Arial size=2><SPAN
class=781154713-28102008></SPAN></FONT> </DIV>
<DIV><FONT face=Arial size=2><SPAN class=781154713-28102008>SPECIAL: FRIED
OYSTERS & CHICKEN SALAD, COCKTAIL SAUCE</SPAN></FONT></DIV>
<DIV><FONT face=Arial size=2><SPAN
class=781154713-28102008></SPAN></FONT> </DIV>
<DIV><FONT face=Arial size=2><SPAN class=781154713-28102008>VIRGINIA HAM
OMELETTE</SPAN></FONT></DIV>
<DIV><FONT face=Arial size=2><SPAN
class=781154713-28102008></SPAN></FONT> </DIV>
<DIV><FONT face=Arial size=2><SPAN class=781154713-28102008>BROILED HALIBUT
FILLET, LEMON BUTTER</SPAN></FONT></DIV>
<DIV><FONT face=Arial size=2><SPAN
class=781154713-28102008></SPAN></FONT> </DIV>
<DIV><FONT face=Arial size=2><SPAN class=781154713-28102008>ROAST RACK OF LAMB,
MINT SAUCE</SPAN></FONT></DIV>
<DIV><FONT face=Arial size=2><SPAN
class=781154713-28102008></SPAN></FONT> </DIV>
<DIV><FONT face=Arial size=2><SPAN class=781154713-28102008>FRESH FRUIT PLATTER
WITH CHOICE OF SORBET OR COTTAGE CHEESE</SPAN></FONT></DIV>
<DIV><FONT face=Arial size=2><SPAN
class=781154713-28102008></SPAN></FONT> </DIV>
<DIV><FONT face=Arial size=2><SPAN class=781154713-28102008>SMOKED SALMON
PLATTER</SPAN></FONT></DIV>
<DIV><FONT face=Arial size=2><SPAN
class=781154713-28102008></SPAN></FONT> </DIV>
<DIV><FONT face=Arial size=2><SPAN class=781154713-28102008>Julienne of
Potatoes, Au Gratin</SPAN></FONT></DIV>
<DIV><FONT face=Arial size=2><SPAN class=781154713-28102008>Spaghetti Squash -
Green Beans & Carrots</SPAN></FONT></DIV>
<DIV><FONT face=Arial size=2><SPAN
class=781154713-28102008></SPAN></FONT> </DIV>
<DIV><FONT face=Arial size=2><SPAN class=781154713-28102008>CAESAR
SALAD</SPAN></FONT></DIV>
<DIV><FONT face=Arial size=2><SPAN
class=781154713-28102008></SPAN></FONT> </DIV>
<DIV><FONT face=Arial size=2><SPAN class=781154713-28102008>Apple Cranberry
Cake, Caramel Sauce</SPAN></FONT></DIV>
<DIV><FONT face=Arial size=2><SPAN class=781154713-28102008>Vanilla Ice Cream,
Hot Fudge Sauce</SPAN></FONT></DIV>
<DIV><FONT face=Arial size=2><SPAN class=781154713-28102008>Pumpkin Ice
Cream</SPAN></FONT></DIV>
<DIV><FONT face=Arial size=2><SPAN class=781154713-28102008>Frozen Peach Yogurt
- Raspberry Sorbet</SPAN></FONT></DIV>
<DIV><FONT face=Arial size=2><SPAN class=781154713-28102008>Cantaloupe - Sliced
Pineapple</SPAN></FONT></DIV>
<DIV><FONT face=Arial size=2><SPAN class=781154713-28102008>Oranges, Bananas and
Kiwi</SPAN></FONT></DIV>
<DIV><FONT face=Arial size=2><SPAN
class=781154713-28102008></SPAN></FONT> </DIV>
<DIV><FONT face=Arial size=2><SPAN class=781154713-28102008>Cappuccino &
Espresso</SPAN></FONT></DIV>
<DIV><FONT face=Arial size=2><SPAN
class=781154713-28102008></SPAN></FONT> </DIV></BODY></HTML>