<!DOCTYPE html>
<html style="margin:0px;padding:0px;">
<head>
<meta http-equiv="content-type" content="text/html; charset=iso-8859-1" />
</head>
<body style="margin:0px;padding:0px;">
<table width="100%" align="center" cellpadding="0" cellspacing="0" style="margin:0px auto;border-collapse:collapse; border-width:0px; font-family:Lucida Sans Unicode,Tahoma,sans-serif;font-size: 11pt;background-color:#ffffff; color: #515151;">
<tr>
<td border="0" valign="top" style="border:none; padding:0px; text-align:left; ">
<p style="margin: 0px 16px 1.6em; clear: both;">
{{GREETING}}
</p>
<p style="margin: 0px 16px 1.6em; clear: both;">
{{MESSAGE}}
</p>
<p style="margin: 0px 16px 1.6em; border-top: 1px dotted #CCCCCC; float: left; font-style: italic; padding-top: 10px;">
{{SIGNATURE}}
</p>
</td>
</tr>
</table>
</body>
</html>