MASTER TRANSFER AND RECORDKEEPING AGREEMENT
Exhibit (h)(2)
MASTER TRANSFER AND RECORDKEEPING AGREEMENT
W I T N E S S E T H T H A T
NOW, THEREFORE, in consideration of the mutual covenants herein set forth, each party, for itself and not jointly, agrees as follows:
2. SERVICES - ESC shall perform for each Fund the services set forth on Exhibit B which is attached hereto and made a part hereof. ESC shall also perform for each Fund, without additional charge, any services which it customarily performs in the ordinary course of business without additional charge for the investment companies for which ESC acts as transfer agent, dividend disbursing agent, or shareholder servicing and recordkeeping agent.
ESC shall perform such other services in addition to those set forth on Exhibit B hereto as a Fund shall request in writing. Any of the services to be performed hereunder, and the manner in which such services are to be performed, shall be changed only pursuant to a written agreement signed by the parties hereto.
ESC will undertake no activity which, in its judgment, will adversely effect the performance of its obligations to a Fund under this Agreement.
4. EFFECTIVE DATE - This Agreement shall become effective as of the date set forth above and shall become effective as to each Fund which gives written notice to ESC
pursuant to Paragraph 1 hereof that it elects to become a party hereto as of the date of such notice.
5. TERM - This Agreement shall be in effect until terminated in accordance with Section 17 hereof.
6. USE OF ESC’S NAME - The Funds will not use ESC’s name in any sales literature or other material in a manner not approved by ESC in writing before such use, unless a similar use was previously approved. Notwithstanding the foregoing, ESC hereby consents to all uses of ESC’s name which merely refer in accurate terms to ESC’s appointments hereunder or which are required by the Securities and Exchange Commission or a state securities commission, and provided, further, that in no case will such approval be unreasonably withheld or delayed.
7. STANDARD OF CARE - ESC shall at all times use its best efforts and act in good faith and in a non-negligent manner in performing all services pursuant to this Agreement.
9. INDEMNIFICATION - Each Fund shall indemnify and hold ESC, its employees and agents harmless against any losses, claims, damages, judgments, liabilities or expenses (including reasonable counsel fees and expenses) resulting from (1) transactions which occurred prior to the date ESC began serving as Transfer Agent to the Fund; (2) action taken or permitted by ESC in good faith with due care and without negligence in reliance upon instructions received from such Fund in accordance with Section 10 hereof or with respect to a Fund upon the opinion of counsel for the Fund, as to anything arising in connection with its performance under this Agreement; or (3) any act done or suffered by ESC with respect to a Fund in good faith with due care and without negligence in connection with its performance under this Agreement in reliance upon any instruction, order, stock certificate or other instrument reasonably believed by it to be genuine and to bear the genuine signature of any person or persons authorized to sign, countersign, or execute same, and which complies with all applicable requirements of the Fund’s current prospectus(es) and statement of additional information, this Agreement and instructions and other governing documents provided to ESC by the Fund. For purposes of this indemnification, it is specifically agreed that if any instruction received by ESC in accordance with Section 10 hereof differs from the requirements set forth in the Fund’s current prospectus(es) or statement of additional information then, with regard to that difference, the instruction, order, stock certificate or other instrument relied upon by ESC, ESC need only comply with such instruction (and not the current prospectus(es) or statement of additional information).
In the event that ESC requests any Fund to indemnify or hold it harmless hereunder, ESC shall use its best efforts to inform the Fund of the relevant facts concerning the matter in question. ESC shall use reasonable care to identify and promptly notify a Fund concerning any matter which ESC believes may result in a claim for indemnification against such Fund, and shall notify the Fund within seven days of notice to ESC of the filing of any suit or other legal action or the institution by a government agency of any administrative action or investigation against ESC which involves its duties under this Agreement. Each Fund shall have the election of defending ESC against any claim with respect to such Fund which may be the subject of indemnification or holding it harmless hereunder. In the event a Fund so elects, it will so notify ESC. Thereupon the Fund shall take over defense of the claim, and, if so requested by a Fund, ESC shall incur no further legal or other expenses related thereto for which it shall be entitled to indemnity or holding harmless hereunder; provided, however, that nothing herein shall prevent ESC from retaining counsel to defend any claim at ESC’s own expense.
Except with the prior written consent of a Fund, ESC shall in no event confess any claim or make any compromise in any matter in which such Fund will be asked to indemnify or hold ESC harmless hereunder. ESC shall be without liability to a Fund with respect to anything done or omitted to be done in accordance with the terms of this Agreement or instructions properly received pursuant hereto if done in good faith and without negligence or willful or wanton misconduct. In no event shall ESC be liable for consequential damages, lost profits, or other special damages, even if ESC has been informed of the possibility of such damage or loss by the Fund or by third parties.
10. INSTRUCTIONS - ESC shall comply with all instructions issued by a Fund in the form prescribed below which are permitted or required under Exhibit B attached hereto. Whenever ESC takes action hereunder pursuant to instructions from a Fund, ESC shall be entitled to rely upon such instructions only when such instructions are signed by the President or Treasurer of the Fund or by an individual designated in writing by the President or Treasurer as a person authorized to give instructions hereunder. A Fund may waive the requirement that all instructions be in writing, if such waiver defines the occurrences not requiring written instruction, indicates
the persons authorized to give such non-written instructions, and is signed by one of the persons pursuant to the immediately preceding sentence of this Section 10. In the event ESC obtains a Fund’s written waiver, it may rely on non-written instructions received pursuant thereto.
14. REDEMPTION OF SHARES - The parties hereto agree that ESC shall process liquidations, redemptions or repurchases of shares of each Fund, as the agent for such Fund, in the manner described in the then current prospectus(es) and statement of additional information for the Fund. Notwithstanding the foregoing, ESC shall be liable for any losses, damages, claims or expenses resulting from ESC’s failure to obtain the appropriate signature guarantee with regard to any redemption or transfer processed by ESC even if the current prospectus(es) or statement of additional information authorizes ESC to waive the requirement of a signature guarantee unless ESC is authorized in writing by an appropriate party to waive such a requirement.
17. TERMINATION - This Agreement may be terminated with respect to a Fund on such date on which ESC has given such Fund not less than 180 days prior written notice or on which such Fund has given ESC not less than 90 days prior written notice. Upon such termination, ESC will use its best efforts to cooperate and assist in accomplishing a timely, efficient and accurate conversion to the person or firm which will provide the services described hereunder. This Agreement may be terminated by any Fund without the payment of any penalty, forfeiture, compulsory buyout amount or performance of any other obligation which could deter termination; provided, however, that for the purpose of this Section 17 any amount due under Section 3 of this Agreement which is undisputed is not considered a penalty, forfeiture, compulsory buyout amount or performance of any other obligation which could deter termination.
18. INSURANCE - ESC shall maintain throughout the term of this Agreement a fidelity bond(s) in an amount in excess of the minimum amount required to be obtained by the Funds which are parties hereto pursuant to Rule 17g-1 under the Investment Company Act of 1940 (the “1940 Act”) covering the acts of its officers, employees or agents in performing any and all of the services required to be performed hereunder. ESC agrees to promptly notify each Fund in writing of any material amendment or cancellation of such bond(s). ESC shall at such times as the Fund may request, but at least once each year, notify each Fund of any claims made pursuant to such bond(s).
20. NOTICE - Any notice shall be sufficiently given when sent by registered or certified mail to any party at the address of such party set forth above or at such other address as such party may from time to time specify in writing to the other party.
22. INTERPRETIVE PROVISIONS - In connection with the operation of this Agreement, ESC and one or more of the Funds may agree with respect to such Funds and ESC from time to time on such provisions interpretive of or in addition to the provisions of this Agreement as may in their combined opinion be consistent with the general tenor of this Agreement. Furthermore, ESC and such Fund(s) may agree to add to, delete from or change the services set forth with respect to such Fund(s) in Exhibit B of the Agreement. Each such interpretive or additional provision, and each addition, deletion or change is to be signed by all parties affected and annexed hereto, and no such provision, addition, deletion or change shall contravene any
applicable federal or state law or regulation and no such provision, addition, deletion or change shall be deemed to be an amendment of any provision of this Agreement with the exception of Exhibit B hereto.
23. GOVERNING LAW - This Agreement shall be governed by and its provisions shall be construed in accordance with the laws of The Commonwealth of Massachusetts.
IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be duly executed all as of the day and year first above written.
EVERGREEN SERVICE COMPANY
By: ___/s/ Xxxxxx X. Falvey_______________
Xxxxxx X. Xxxxxx
President
Evergreen Select Fixed Income Trust, a Delaware Business Trust consisting of the following series:
Evergreen Select Limited Duration Fund
Evergreen Select Fixed Income Fund
Evergreen Select Income Plus Fund
Evergreen Select Intermediate Tax Exempt Bond Fund
Evergreen Select Core Bond Fund
Evergreen Select Intermediate Bond Fund
Evergreen Select Adjustable Rate Fund
Evergreen Select Equity Trust, a Delaware Business Trust consisting of the following series:
Evergreen Select Strategic Value Fund
Evergreen Select Large Cap Blend Fund
Evergreen Select Strategic Growth Fund
Evergreen Select Social Principles Fund
Evergreen Select Equity Income Fund
Evergreen Select Small Company Value Fund
Evergreen Select Common Stock Fund
Evergreen Select Small Cap Growth Fund
Evergreen Select Balanced Fund
Evergreen Select Diversified Value Fund
Evergreen Select Money Market Trust, a Delaware Business Trust consisting of the following series:
Evergreen Select 100% Treasury Money Market Fund
Evergreen Institutional Money Market Fund
Evergreen Institutional Tax Exempt Money Market Fund
Evergreen Institutional Treasury Money Market Fund
Evergreen Municipal Trust, a Delaware Business Trust consisting of the following series:
Evergreen California Tax Free Fund
Evergreen Connecticut Municipal Bond Fund
Evergreen Florida High Income Municipal Bond Fund
Evergreen Florida Municipal Bond Fund
Evergreen Georgia Municipal Bond Fund
Evergreen Maryland Municipal Bond Fund
Evergreen Massachusetts Tax Free Fund
Evergreen Missouri Tax Free Fund
Evergreen New Jersey Tax Free Income Fund
Evergreen New York Tax Free Fund
Evergreen North Carolina Municipal Bond Fund
Evergreen Pennsylvania Tax Free Fund
Evergreen South Carolina Municipal Bond Fund
Evergreen Virginia Municipal Bond Fund
Evergreen High Grade Tax Free Fund
Evergreen Short-Intermediate Municipal Fund
Evergreen Tax Free Fund
Evergreen Equity Trust, a Delaware Business Trust consisting of the following series:
Evergreen Aggressive Growth Fund
Evergreen Fund
Evergreen Micro Cap Fund
Evergreen Omega Fund
Evergreen Small Company Growth Fund
Keystone Strategic Growth Fund (K-2)
Evergreen American Retirement Fund
Evergreen Foundation Fund
Evergreen Tax Strategic Foundation Fund
Evergreen Balanced Fund
Evergreen Fund for Total Return
Evergreen Growth & Income Fund
Evergreen Income & Growth Fund
Evergreen Small Cap Equity Income Fund
Evergreen Value Fund
Evergreen Utility Fund
Keystone Growth and Income Fund (S-1)
Evergreen Fixed Income Trust, a Delaware Business Trust consisting of the following series:
Evergreen U.S. Government Fund
Evergreen Strategic Income Fund
Evergreen Diversified Bond Fund
Keystone High Income Bond Fund (B-4)
Evergreen Capital Preservation and Income Fund
Evergreen Intermediate Term Bond Fund
Evergreen Intermediate-Term Government Securities Fund
Evergreen Short-Intermediate Bond Fund
Evergreen International Trust, a Delaware Business Trust consisting of the following series:
Evergreen Emerging Markets Growth Fund
Evergreen Global Leaders Fund
Evergreen Global Opportunities Fund
Evergreen International Equity Fund
Evergreen Latin America Fund
Evergreen Natural Resources Fund
Keystone Precious Metals Holdings
Keystone International Fund
Evergreen Money Market Trust, a Delaware Business Trust consisting of the following series:
Evergreen Money Market Fund
Evergreen Pennsylvania Tax Free Money Market Fund
Evergreen Tax Exempt Money Market Fund
Evergreen Treasury Money Market Fund
By: __/s/ Xxxx Pileggi________________
Xxxx Xxxxxxx
President and Treasurer of each
Delaware Business Trust listed above
As of January 1, 2005
EXHIBIT A
Evergreen Select Fixed Income Trust, a Delaware Business Trust consisting of the following series:
Evergreen Adjustable Rate Fund
Evergreen Core Bond Fund
Evergreen Strategic Core Bond Portfolio (formerly Evergreen Fixed Income Fund II)
Evergreen Intermediate Municipal Bond Fund
Evergreen International Bond Fund
Evergreen Limited Duration Fund
Evergreen Select High Yield Bond Fund
Evergreen Short Intermediate Bond Fund (formerly Evergreen Fixed Income Fund)
Evergreen Select Equity Trust, a Delaware Business Trust consisting of the following series:
Evergreen Equity Index Fund
Evergreen Special Equity Fund
Evergreen Strategic Growth Fund (formerly Evergreen Select Strategic Growth Fund)
Evergreen Strategic Value Fund
Evergreen Select Money Market Trust, a Delaware Business Trust consisting of the following series:
Evergreen Institutional Money Market Fund
Evergreen Institutional Municipal Money Market Fund
Evergreen Institutional Treasury Money Market Fund
Evergreen Institutional U.S. Government Money Market Fund
Evergreen Institutional 100% Treasury Money Market Fund
Evergreen Prime Cash Management Money Market Fund
Evergreen Municipal Trust, a Delaware Business Trust consisting of the following series:
Evergreen California Municipal Bond Fund
Evergreen Connecticut Municipal Bond Fund
Evergreen Florida High Income Municipal Bond Fund
Evergreen Florida Municipal Bond Fund
Evergreen Georgia Municipal Bond Fund
Evergreen High Grade Municipal Bond Fund
Evergreen Maryland Municipal Bond Fund
Evergreen Municipal Bond Fund
Evergreen New Jersey Municipal Bond Fund
Evergreen New York Municipal Bond Fund
Evergreen North Carolina Municipal Bond Fund
Evergreen Pennsylvania Municipal Bond Fund
Evergreen Short-Intermediate Municipal Bond Fund
Evergreen South Carolina Municipal Bond Fund
Evergreen Strategic Municipal Bond Fund (formerly Evergreen High
Income Municipal Bond Fund)
Evergreen Virginia Municipal Bond Fund
Evergreen Equity Trust, a Delaware Business Trust consisting of the following series:
Evergreen Aggressive Growth Fund
Evergreen Asset Allocation Fund
Evergreen Balanced Fund
Evergreen Blue Chip Fund
Evergreen Equity Income Fund
Evergreen Foundation Fund
Evergreen Fund
Evergreen Growth and Income Fund
Evergreen Growth Fund
Evergreen Health Care Fund
Evergreen Large Cap Equity Fund (formerly Evergreen Stock Selector Fund)
Evergreen Large Cap Value Fund
Evergreen Large Company Growth Fund
Evergreen Market Index Fund
Evergreen Market Index Growth Fund
Evergreen Market Index Value Fund
Evergreen Masters Fund
Evergreen Mid Cap Growth Fund (formerly Evergreen Emerging Growth Fund and
Evergreen Small Company Growth Fund)
Evergreen Mid Cap Value Fund
Evergreen Omega Fund
Evergreen Small Cap Value Fund (formerly Evergreen Small Cap Value Fund II)
Evergreen Special Values Fund
Evergreen Tax Strategic Foundation Fund
Evergreen Technology
Evergreen Utility and Telecommunications Fund
Evergreen Fixed Income Trust, a Delaware Business Trust consisting of the following series:
Evergreen Diversified Bond Fund
Evergreen High Yield Bond Fund
Evergreen Institutional Mortgage Portfolio
Evergreen Strategic Income Fund
Evergreen U.S. Government Fund
Evergreen Ultra Short Bond Fund
Evergreen International Trust, a Delaware Business Trust consisting of the following series:
Evergreen Emerging Markets Growth Fund
Evergreen Global Large Cap Equity Fund (formerly Evergreen Global Leaders Fund)
Evergreen Global Opportunities Fund
Evergreen International Equity Fund (formerly Evergreen International Growth Fund)
Evergreen Precious Metals Fund
Evergreen Money Market Trust, a Delaware Business Trust consisting of the following series:
Evergreen California Municipal Money Market Fund
Evergreen Florida Municipal Money Market Fund
Evergreen Money Market Fund
Evergreen Municipal Money Market Fund
Evergreen New Jersey Municipal Money Market Fund
Evergreen New York Municipal Money Market Fund
Evergreen Pennsylvania Municipal Money Market Fund
Evergreen Treasury Money Market Fund
Evergreen U.S. Government Money Market Fund
Evergreen Variable Annuity Trust, a Delaware Business Trust consisting of the following series:
Evergreen VA Core Bond Fund
Evergreen VA Foundation Fund
Evergreen VA Fund
Evergreen VA Growth Fund
Evergreen VA Growth and Income Fund
Evergreen VA High Income Fund
Evergreen VA International Equity Fund (formerly Evergreen VA International
Growth Fund)
Evergreen VA Omega Fund
Evergreen VA Special Equity Fund
Evergreen VA Special Values Fund (formerly Evergreen VA Small Cap Value Fund)
Evergreen VA Strategic Income Fund
EXHIBIT B
The services provided for in this Agreement shall be performed by ESC, or any agent appointed by ESC pursuant to Section 15 of this Agreement, under the name of Evergreen Service Company (ESC) and this name or any similar name or logo will not be used by ESC or its agents for any purposes other than those related to this Agreement or to any other agreement which ESC may enter into with any of the Fund (s) or with companies affiliated with the Fund (s).
The offices of ESC shall be open to perform the services pursuant to this Agreement on all days when the Fund is open to transact business.
ESC will perform all services normally provided to investment companies such as the Fund(s), and the quality of such services shall be equal to or better than that provided to the other investment companies serviced by ESC. With respect to each Fund, by way of illustration, but not limitation, these services will include:
1. Establishing, maintaining, safeguarding and reporting on shareholder account information and account histories, (including registration, name and address recorded in generally accepted form, dealer, representative, branch, and territory information, mailing address, distribution address, various codes and specific information relating to (if applicable); withdrawal plans, letters of intent, systematic investing, insured redemptions plans, account groupings for rights of accumulation discount processing, and for account group reporting for plan accounts and other accounts grouped for master sub-account reporting.)
2. Recording and controlling shares outstanding in certificate (“issued”) and non- certificate (“unissued”) form.
3. Maintaining a record for each certificate issued to include certificate number,
account number, issued date, number of shares, canceled date or stop date, where appropriate.
4. Reconciling the number of outstanding shares of each Fund on a daily basis with the Fund and the Fund’s custodian, promptly correcting any differences noted.
5. Establishing and maintaining a trade file on behalf of each Fund based on trade information furnished to the transfer agent by the Fund or its distributors.
6. Accepting and processing direct cash investments however received and investing such investments promptly in shareholder accounts.
7. Passing upon the adequacy of documents properly endorsed and guaranteed submitted by or on behalf of a shareholder to transfer ownership or redeem shares.
8. Transferring ownership of shares upon the books of each Fund.
9. Redeeming shares and preparing and mailing redemption checks or wire proceeds as instructed.
10. Preparing and promptly mailing account statements to the shareholder or such other authorized address and, when appropriate, as instructed by a Fund, to the dealer or dealer branch, whenever transaction activity effecting share balances are posted to a Fund account that is of the type that should receive such statement.
11. Checking surrendered certificates for stop transfer instructions.
12. Canceling certificates surrendered.
13. Issuing certificates as replacements for those canceled, or as an original issue of additional shares or upon the reduction of an equal number of unissued shares.
14. Maintaining and updating a stop transfer file, promptly placing stop transfer codes upon notification of possible loss, destruction or disappearance of a certificate. Upon receipt of proper documentation obtaining necessary insurance forms and issuing replacement certificates.
15. Balancing outstanding shares of record with the custodian prior to each distribution and calculating and paying or reinvesting distributions to shareholders of record and to open trade receivables and free stock.
16. Processing exchanges of shares of one Fund or Portfolio for another, calculating proper sales charges and collecting fees as required.
17. Processing withdrawal plan liquidations according to plan instructions.
18. Reporting to each Fund and its custodian daily the capital stock activities and dollar amounts of transactions.
19. Promptly answering inquiries from shareholders, dealers, Fund personnel, and others as requested in accordance with the terms of this Agreement as to account matters, referring policy or investment matters to the Fund.
20. Mailing reports and special mailings, as directed by a Fund, to all shareholders or selected holders or dealers.
21. Providing services with regard to the annual or special meetings of a Fund, including preparation and timely mailing of proxy material to shareholders of
record and others as directed by the Fund, and receiving, examining and recording
all properly executed proxies and performing such follow-up as required by the Fund.
22. Providing periodic listings and tallies of shareholder votes and certifying the final tally.
23. Providing an inspector of elections at the annual or any special meetings of a Fund.
24. Maintaining tax information for each account, deducting amounts where required and furnishing to a Fund, its shareholders, dealers and, when appropriate, regulatory bodies, the necessary tax information, all in compliance with the various applicable laws.
25. Maintaining records of account and distribution information for checks and confirmations returned as undeliverable by the Post Office.
26. Maintaining records and reporting sales information for Blue Sky reporting purposes.
27. Calculating and processing Fund mergers or stock dividends, as directed by a Fund.
28. Maintaining all Fund records as outlined in the record and tape retention schedule delivered by a Fund.
29. Reconciling all investment, distribution and redemption accounts.
Providing for the replacement of uncashed distribution or redemption checks.
Maintaining and safeguarding an inventory of unissued blank stock certificates, checks and other Fund records.
Making available to a Fund and its distributors at their locations devices which will provide immediate electronic access to computerized records maintained for a Fund.
Providing space and such technical expertise as may be required to enable a Fund and its properly authorized auditors, examiners and others designated by the Fund in writing to properly understand and examine all books, records, computer files, microfilm and other items maintained pursuant to this Agreement, and to assist as required in such examination.
Assigning a single account number to each shareholder regardless of the number of Funds or Portfolios owned for which Keystone Investment Management Company, Evergreen Asset Management Corp., First Union National Bank or one of its affiliates is the trustee, investment adviser or manager (except as instructed otherwise.)
Mailing prospectuses to existing accounts on receipt of the first direct investment transaction after a new prospectus has been issued by a Fund.
Mailing cash election notices when required prior to capital gains distributions.
Maintaining information, performing the necessary research and producing reports required to comply with all applicable state escheat or abandoned property laws.
With respect to each Fund, the Transfer Agent will produce reports as requested by a Fund including, but not limited to, the following:
Shareholder Account Confirmation As required
Redemption Checks When redemption is made
Certificates When requested
Withdrawal plan payment checks On payment cycle
Distribution checks As required
Name and address labels
(per account registration) As requested
Proxy When required
1099 Annually
1042-S Annually
Transaction journals Daily
Record date position control Daily
Daily and (monthly) cash proof Daily
Daily and (monthly) share proof Daily
Daily master control Daily
Blue Sky exception Daily
Blue Sky master list Monthly and whenever a new permit is issued by a state
Blue Sky sales report Cycle as designated in
advance by distributor
Check register Daily
Account information reports When requested
(Monthly) Cumulative Monthly
transaction
New account list Monthly
Shareholder master list When requested
Sales by State Monthly
Activities statistics Monthly
Distribution journals As required
Proxy tallies and vote listings When requested
Withdrawal plan account check Monthly
reconciliation
Dividend account check As required
reconciliation
As of January 1, 2005
EXHIBIT C
Transfer Agent Fee Schedule
Charges to Funds
Group 1 - Monthly Dividend Funds
Per open account per year* $26.75
Per closed account per year 9.00
Group 2 - Quarterly Dividend Funds
Per open account per year* $21.75
Per closed account per year 9.00
Group 3 - Semi-Annual and Annual Dividend Funds
Per open account per year* $21.75
Per closed account per year 9.00
Group 4 - Money Market Funds
Per open account per year* $26.75
Per closed account per year 9.00
Charges to Shareholders
Group 5 - ERISA**
Per XXX participant per year $10.00 with a maximum of $20.00**
Per Xxxxx participant per year $10.00 with a maximum of $20.00
Per TSA per year $10.00 with a maximum of $20.00
* For shareholder accounts only. The Funds pay cost plus 15% for broker accounts.
**These fees are not borne by the Funds, but are direct shareholder charges.
Funds that have “seed” capital only will not be charged until the Fund has public shareholders.
This Fee Schedule is exclusive of out-of-pocket reimbursable expenses.
Out-of-pocket expenses include but are not limited to the following:
Stationery and supplies
Checks
Express Delivery
Postage
Printing of forms
Telephone
Photocopies and Microfilm