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Howard G. Jr. Gelling
World Trade Center, New York City, NY
Employer: Sandler O'Neill and Partners

New York, NY 
Age: 28
Managing Director

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Julie, Ottawa, Canada

Dear family and friends of Howard,

My deepest sympathies, I was at school on this fateful day. And ever since, all the victims and their family and friends have been in my prayers.
God bless.