Delivery of Investor Materials Overview

Many securities issuers offer convenient electronic delivery of investor materials such as financial statements and meeting materials.

If you consent to this service, whenever materials are available you will receive an e-mail containing a link to the content, which you can view or print, or in the case of a proxy, vote electronically.

The benefits of electronic delivery include:

• Environmentally friendly:  reduced waste
• Cost efficient:  reduced printing and distribution expense
• Convenience:  no need to handle and store bulky paper documents

Electronic delivery is completely voluntary, and you may request a paper copy of materials at any time.