MODERN WOODME Q! AMERICA A Frnrtnral Ll~ Insurance Society M.VIRGINIA TINER, FIC, LUTCF SPECIALIZED NEEDS COORDINATOR P.O. Box 1686 LAKE CITY, FL 32056-1686 PHONE:0FC.386-758-9808;Bus.386-752-9412 CONGRATULATIONS CLASS OF 2002 478 Virginia Tiner