<html><body dir="auto"><head><meta http-equiv="content-type" content="text/html; charset=us-ascii"></head><blockquote type="cite"><div class="WordSection1"><div align="center"><table class="MsoNormalTable" border="1" cellspacing="0" cellpadding="0" width="600" style="width:450.0pt;border:solid #CCCCCC 1.0pt"><tbody><tr><td style="border:none;padding:0cm 0cm 0cm 0cm"><div align="center"><table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0"><tbody><tr><td width="600" style="width:450.0pt;padding:0cm 0cm 0cm 0cm"><div align="center"><table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="600" style="width:450.0pt"><tbody><tr><td width="600" style="width:450.0pt;padding:0cm 0cm 0cm 0cm"><div align="center"><table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="600" style="width:450.0pt"><tbody><tr><td width="8" style="width:6.0pt;padding:2.25pt 2.25pt 2.25pt 2.25pt"><p class="MsoNormal"><o:p></o:p></p>
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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:white"><span class="MsoHyperlink"><b><span style="color:white">Tips from David Long</span></b></span></span><o:p></o:p></p>
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