Putnam

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=90 BGCOLOR="#006699" TEXT="#080000" background="005fd5a3.jpg"> <div> <FONT SIZE="5" COLOR="#000000" FACE="Arial" ><B>Charter Realty</B></FONT><B>    </B><B> |     </B><A HREF="index.htm" TARGET="_top" TITLE="Charter Realty"><U><B>home</B></U></A></div> <div>                                                   </div> <div> </div> </td> </tr><tr> <td valign="top" width=210 BGCOLOR="#FFCC66" TEXT="#080000" background="006d2b03.jpg"> <bR> </td> <td valign="top" height=390 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <I>Putnam</I></div> <div> <A HREF="id25.htm" TARGET="_top" TITLE="Residential Putnam"><U>Residential - Putnam</U></A></div> <div> Commercial - Putnam</div> <div> Farms & Land - Putnam</div> <bR> </td> </tr></table></body>