VANGUARD ADVICE INITIATIVE

Vanguard, in partnership with Financial Engines, will be sending a free, independent and personalized evaluation report of your Money Purchase Plan and Trust portfolio. Specifically, the report will show how much income your portfolio will generate in retirement and make suggestions as to how you may be able to do better.

Be advised that this report will be sent to the email address you provided upon registration on the Vanguard site. Therefore, be on the lookout for their electronic correspondence. If you have not registered with Vanguard, you best get on with rectifying that matter. You do not want to miss out on some valuable, personalized and FREE insight.

Before we finish, and regardless of whether you are a do-it-yourself investor, or prefer to partner with an expert to help take care of your account, the Plan strongly encourages you to read your evaluation carefully as it will most likely shed some insight on your preparedness for retirement.