Common use of Review of Material Clause in Contracts

Review of Material. The Undersigned has reviewed the Company's reports, proxy and information statements and registration statements filed via the Edgar System with the Securities and Exchange Commissxxx xince January 1, 2003, and has been afforded the opportunity to obtain such information regarding the Company as it has reasonably requested to evaluate the merits and risks of the Undersigned's investment in the Shares. No oral or written representations have been made or oral information furnished to the Undersigned or his advisers in connection with the investment in the Shares.

Review of Material. The Undersigned has reviewed the Company's reports, proxy and information statements and registration statements filed via the Edgar System with the Securities and Exchange Commissxxx xince Commissixx xxnce January 1, 2003, and has been afforded the opportunity to obtain such information regarding the Company as it has reasonably requested to evaluate the merits and risks of the Undersigned's investment in the Shares. No oral or written representations have been made or oral information furnished to the Undersigned or his advisers in connection with the investment in the Shares.