function legal(URL) {
day = new Date();
id = day.getTime();
eval("page" + id + " = window.open(URL, '" + id + "', 'toolbar=0,scrollbars=1,location=0,statusbar=0,menubar=0,resizable=0,width=660,height=500,left = 100,top = 80');");
}

var dt=new Date();
currentyear=dt.getFullYear()

document.write("<table width=100% border=0 cellspacing=0 cellpadding=0>")
document.write("<tr>")
document.write("<td width=20> &nbsp;</td>")
document.write("<td class=footer>Copyright &copy; "+ currentyear +" SHCSB Group. All rights reserved.</td>")
document.write("<td width=193 class=footer><a href=javascript:legal('disclaimer.htm') class=footer>Privacy Statement</a>&nbsp;&nbsp;&nbsp;|&nbsp;&nbsp;<a href=javascript:legal('disclaimer.htm#2') class=footer>Terms of Use</a></td>")
document.write("</tr>")
document.write("</table>")