Q:  What does it mean if I get more than one proxy card?

A:    It means your shares are in more than one account. You should vote the shares on all your proxy cards. To provide better shareholder service, we encourage you to have all your shares registered in the same name and address. You may do this by contacting our transfer agent, Fleet National Bank, at (800) 253-6057.

Q:  Who can attend the Annual Meeting?

A:    All shareholders of record as of the close of business on March 12, 2001, can attend. Seating, however, is limited. Attendance at the Meeting will be on a first-come, first-served basis, upon arrival at the Meeting. Photographs will be taken at the Annual Meeting. We may use these photographs in publications. If you attend the Meeting, we assume your permission to use your picture.

Q:  What do I need to do to attend the Annual Meeting?

A:    To attend the Meeting, please follow these instructions:

• If you vote by using the enclosed proxy card, check the appropriate box on the card.
• If you vote by internet or telephone, follow the instructions provided for attendance.e.
• If a broker or other nominee holds your shares, bring proof of your ownership with you to the Meeting.
• To enter the Meeting, bring the Admission Ticket attached to your proxy card or printed from the internet.
• If you do not have an Admission Ticket, go to the Special Registration desk upon arrival at the Meeting.