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<DIV>Greetings to all!</DIV>
<DIV style="FONT-SIZE: 12pt; FONT-FAMILY: 'Calibri'; COLOR: #000000">Items
of
Interest!</DIV>
<DIV style="FONT-SIZE: 12pt; FONT-FAMILY: 'Calibri'; COLOR: #000000">1.
Happy
Mother’s Day to all mom’s in our NFBNJ family.</DIV>
<DIV style="FONT-SIZE: 12pt; FONT-FAMILY: 'Calibri'; COLOR: #000000">If you
are
visiting your mom today, give her a hug and appreciate all she has done and
is
continuing to do for you and the others in your family.</DIV>
<DIV style="FONT-SIZE: 12pt; FONT-FAMILY: 'Calibri'; COLOR: #000000">If you
are
not visiting your mom today, NO FACEBOOK and or TEX messages. Make the
call!</DIV>
<DIV style="FONT-SIZE: 12pt; FONT-FAMILY: 'Calibri'; COLOR: #000000">If your
mom
is no longer with us, remember her support, kindness, discipline,and don’t
forget the balance maker, the wooden spoon!</DIV>
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style="FONT-SIZE: 12pt; FONT-FAMILY: 'Calibri'; COLOR: #000000"> </DIV>
<DIV style="FONT-SIZE: 12pt; FONT-FAMILY: 'Calibri'; COLOR: #000000">Happy
Mother’s Day!</DIV>
<DIV style="FONT-SIZE: 12pt; FONT-FAMILY: 'Calibri'; COLOR: #000000">Second
item
of interest:</DIV>
<DIV style="FONT-SIZE: 12pt; FONT-FAMILY: 'Calibri'; COLOR: #000000">Judy,
Jim
and I had the opportunity to travel to California to celebrate with Bettina,
Joey’s wife, my son’s graduation with a masters degree in business
administration. </DIV>
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style="FONT-SIZE: 12pt; FONT-FAMILY: 'Calibri'; COLOR: #000000"> </DIV>
<DIV style="FONT-SIZE: 12pt; FONT-FAMILY: 'Calibri'; COLOR: #000000">The
weather
was somewhat rainy, cold and breezy however, our hearts were warm with the
excitement of Joey’s accomplishment.</DIV>
<DIV style="FONT-SIZE: 12pt; FONT-FAMILY: 'Calibri'; COLOR: #000000">I guess
for
those on the senior call on Monday can predict what I will share during
round
the phone.</DIV>
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style="FONT-SIZE: 12pt; FONT-FAMILY: 'Calibri'; COLOR: #000000"> </DIV>
<DIV
style="FONT-SIZE: 12pt; FONT-FAMILY: 'Calibri'; COLOR:
#000000">Warmly,</DIV>
<DIV style="FONT-SIZE: 12pt; FONT-FAMILY: 'Calibri'; COLOR: #000000">Joe
Ruffalo
</DIV>
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