ELECTRONIC DELIVERY AVAILABLE

Shareholders now have the convenience of receiving shareholder communications, including annual reports, proxy statements, and most mutual fund prospectuses, online. As issuers make their information available through the Internet, you will receive an e-mail containing a link to the document. You can view them online, and if needed, print copies for your files. Documents that are not available electronically will be sent to you by mail.

If you would like online delivery for these regulatory documents:

• Log on to Access Online at https://fcc.fccaccessonline.com with your personal User ID and Password.
• Select "Online Shareholder Communications" under the Customer Service tab to enroll your First Clearing account(s).

Terms and Conditions.  Privacy Statement.  Allocation of Responsibilities

Description of Service
By enrolling in this electronic delivery service, you agree to receive announcements by e-mail about shareholder communications materials. Those materials are made available electronically by issuing corporations, mutual funds and other third parties. Quarterly, semi-annual and annual reports; proxy statements; prospectuses and newsletters are examples of shareholder communications that may be made available electronically. The announcements will include the Internet address (URL) where the materials can be found. Materials referenced within the e-mail announcement may be viewed electronically via the Internet and printed with a local printer. If the materials are not made available electronically, you will receive the standard printed materials and no announcement will be made by e-mail.

Your enrollment will be effective for all holdings in the specified account on an ongoing basis unless you change or cancel your enrollment.

If you have a security position in an equity or mutual fund as of the record date for a particular shareholder distribution and the materials to be distributed are made available electronically, you will receive an e-mail announcement. The content of the information provided for electronic delivery is the responsibility of the issuing corporation, mutual fund, or third party, presenting it. If your securities are held by a financial institution, the broker or bank that holds your security is not responsible for content of electronic shareowner material.

Failure of E-Mail Address
If, during a distribution, your e-mail address proves to be invalid, your enrollment in this electronic delivery service will be cancelled and you will receive a hard copy notification of the announcement. This notification will provide the URL to the electronic material, and will contain instructions to visit Access Online to re-enroll.

Option to Receive Hard Copy
If, after enrollment in this electronic delivery service, you would like to receive a printed set of shareowner material for a particular security, in addition to your e-mail notification, you may request hard copy delivery from your broker, bank or directly from the issuing corporation or mutual fund. The broker, bank, issuing corporation or mutual fund may, at their discretion, impose a fee to receive the printed materials in addition to the electronic materials.

To Update Your Information or Cancel Enrollment
By logging in to Access Online and selecting "Online Shareholder Communications" under the Customer Service tab, you may update your contact information, such as e-mail address or personal identification number (PIN), or you may cancel your participation in electronic delivery by selecting the cancellation option.

Hardware and Software Required to Use Service
Enrollment in this electronic delivery service requires that you have a personal computer with appropriate browser software, such as Microsoft Internet Explorer®, Netscape Communicator®, or equivalent, and e-mail software as well as communications access to the Internet. This access may incur charges from Internet Service Providers and local telephone companies. The broker, bank, issuing corporation or mutual fund will not be responsible for the costs associated with electronic access; these costs are the responsibility of the shareowner. Should you wish to print materials that have been delivered electronically, you must have a printer as well. Some issuers electronically publish their materials in Portable Document Format (PDF). In order to view PDF-formatted documents, you must have Adobe Acrobat Reader software. This reader is available for download, free-of-charge, from http://www.adobe.com/.