E*TRADE Alliance

E*TRADE Financial Electronic Documents Service

E*TRADE Financial is pleased to offer the convenience of free Electronic Shareholder Communications service. You can view shareholder communications, including Annual Reports, Proxy Statements, corporate action notices, and fund prospectuses, online instead of in the mail. Documents that are not available on the Internet will continue to be sent to you by mail.

This will not only save postage and mailing costs for the securities in which you invested, but will also allow you to reduce the amount of mail you receive from us.

Sign up for Free Electronic Documents Service now by Logging in to your E*TRADE account, clicking on the Accounts tab, then Account Services, then Change My Info.

Investment Products: • Not FDIC Insured • No Bank Guarantee • May Lose Value

PLEASE READ THE IMPORTANT DISCLOSURES BELOW

Securities products and services offered by E*TRADE Securities LLC, Member NASD/SIPC. Banking and lending products and services are offered by E*TRADE Bank, a Federal savings bank, Member FDIC, or its subsidiaries. E*TRADE Securities LLC and E*TRADE Bank are separate but affiliated companies.

System response and account access times may vary due to a variety of factors, including trading volumes,
market conditions, system performance, and other factors.