Information Concerning Merger

Information concerning the merger, including a general description of its tax consequences, can be found in the joint proxy statement/prospectus filed with the SEC on May 27, 2005. Please follow this link to the document: SEC filings-All. Select the May 27, 2005 document entitled DEF 14A Official notification to shareholders of matters to be brought to a vote ("Proxy") and see the section beginning on page 103.