SECOND REQUEST
                            YOUR VOTE IS IMPORTANT!

    YOU ARE URGED TO DATE AND SIGN THE ENCLOSED PROXY AND RETURN IT PROMPTLY

     You may fax your vote toll-free to our proxy  tabulator at  1-888-451-8783.
     Please make sure your proxy card is signed by all  account  holders and fax
     both sides.  FAXES WILL ONLY BE ACCEPTED  MONDAY THROUGH FRIDAY BETWEEN THE
     HOURS OF 8:30  A.M.  AND 5:00  P.M.  EST.  Faxes  will not be  accepted  on
     Holidays.

FOR YOUR  CONVENIENCE,  YOU MAY ALSO VOTE YOUR  SHARES  BY  TOUCH-TONE  PHONE OR
COMPUTER VIA THE INTERNET.

     BY PHONE:  CALL  1-888-221-0697,  have the enclosed  card handy,  enter the
     control  number  found in the upper left corner of your proxy card,  follow
     the simple recorded instructions.

     BY COMPUTER VIA THE  INTERNET:  have the enclosed  proxy card handy,  go to
     WWW.PROXYWEB.COM,  enter the control  number found in the upper left corner
     of your proxy card, follow the instructions on the screen.

 IF YOU VOTE BY COMPUTER OR TELEPHONE, YOU DO NOT NEED TO MAIL THE PROXY CARD.