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NORTH BEACH ASSET MANAGEMENT, INC. VERO BEACH WILLIAMSBURG INSURANCE CORPORATION FORT LAUDERDALE BARRIER ISLAND REALTY, INC. VERO BEACH SANDPEBBLE COMMUNITIES, INC. FT. LAUDERDALE GLENFLORIDA REALTY, INC. FT. LAUDERDALE SEA OAKS CONSTRUCTION COMPANY FT. LAUDERDALE