To receive E Statements:

* You will need Acrobat Reader 4.05 or greater version to view your statement.
* Use the most recent version of your browser. Browser recommendations:

- Netscape Communicator 4.7x or above (128-bit encrypted)
- Microsoft Internet Explorer 4.01 or above (128-bit encrypted)
- America Online 32 bit encrypted version 4.0 or above

* If you use Microsoft Internet Explorer for your browser, you will need the following setting enabled to view your statement:

- In the browser, go into your "Tools" from the menu bar;
- Choose "Internet Options",
- Choose "Advanced",
- Scroll down to "Security",
- Place a check mark in the box for "Do not save encrypted files to disk",
- Choose "Apply".

* For security reasons, e-statements can only be accessed using a web browser that supports 128-bit encryption.

* E-statements are not compatible with WebTV.