<SEC-DOCUMENT>0001193125-23-274126.txt : 20231109
<SEC-HEADER>0001193125-23-274126.hdr.sgml : 20231109
<ACCEPTANCE-DATETIME>20231109091340
ACCESSION NUMBER:		0001193125-23-274126
CONFORMED SUBMISSION TYPE:	424B3
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20231109
DATE AS OF CHANGE:		20231109

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PNC FINANCIAL SERVICES GROUP, INC.
		CENTRAL INDEX KEY:			0000713676
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				251435979
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B3
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-210994
		FILM NUMBER:		231390320

	BUSINESS ADDRESS:	
		STREET 1:		THE TOWER AT PNC PLAZA
		STREET 2:		300 FIFTH AVENUE
		CITY:			PITTSBURGH
		STATE:			PA
		ZIP:			15222-2401
		BUSINESS PHONE:		888-762-2265

	MAIL ADDRESS:	
		STREET 1:		THE TOWER AT PNC PLAZA
		STREET 2:		300 FIFTH AVENUE
		CITY:			PITTSBURGH
		STATE:			PA
		ZIP:			15222-2401

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	PNC FINANCIAL SERVICES GROUP INC
		DATE OF NAME CHANGE:	20000327

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	PNC BANK CORP
		DATE OF NAME CHANGE:	19930505

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	PNC BANK CORP /PA/
		DATE OF NAME CHANGE:	19930428
</SEC-HEADER>
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<TYPE>424B3
<SEQUENCE>1
<FILENAME>d562207d424b3.htm
<DESCRIPTION>424B3
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Filed Pursuant to Rule 424(b)(3)<BR>File No. 333-210994 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>STICKER</B><B><I></I></B><B>&nbsp;SUPPLEMENT No.&nbsp;1 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>(To Prospectus dated April&nbsp;29, 2016) </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>DIVIDEND REINVESTMENT AND STOCK PURCHASE PLAN OF </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>THE PNC FINANCIAL SERVICES GROUP, INC. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>2,700,000 Shares of Common Stock </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Sticker Supplement No.&nbsp;1 (this &#147;Supplement&#148;) contains information which amends, supplements or modifies certain
information contained in the prospectus of The Dividend Reinvestment and Stock Purchase Plan of The PNC Financial Services Group, Inc. (&#147;PNC&#148;), dated April&nbsp;29, 2016 (the &#147;Prospectus&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Supplement is not complete without, and should be read together with, the Prospectus of which it is a part. Unless otherwise defined
herein, capitalized terms used in this Supplement have the same meanings as in the Prospectus. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Neither the Securities and Exchange
Commission nor any state securities commission has approved or disapproved of these securities or passed upon the accuracy or adequacy of this Supplement. Any representation to the contrary is a criminal offense. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>This Supplement is part of the Prospectus and must accompany the Prospectus to satisfy the prospectus-delivery requirements under
the&nbsp;Securities Act of 1933, as amended. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">The date of this Supplement is November&nbsp;9, 2023. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The purpose of this Supplement is to: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">disclose changes to the fees to be incurred by Participants effective as of January&nbsp;1, 2024,
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
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<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">incorporate previously announced procedural changes of the Plan Administrator for voluntary cash purchases, and
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">disclose changes to reports to Participants. </P></TD></TR></TABLE>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Fee Changes </U></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Each of the following questions
replaces in its entirety the same numbered question in the attached Prospectus. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>12.&nbsp;Are there any expenses to Participants in connection with
cash dividends used for purchases under the Plan? </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Yes. The Plan Administrator will charge to Participants a fee for each dividend
reinvestment transaction of 5% of the amount of the reinvestment up to a maximum fee of $3.50 per dividend reinvestment transaction. Additionally, a fee of $0.05 per share purchased will be charged for dividend reinvestments. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>16. Are there any expenses to Participants in connection with voluntary cash purchases under the Plan? </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The nominal fee charged by the Plan Administrator for voluntary cash purchases shall be passed on to the Participant. Current fees which are
subject to change are $5.00 for purchases made by check or <FONT STYLE="white-space:nowrap">one-time</FONT> online investment and $2.50 per monthly <FONT STYLE="white-space:nowrap">pre-authorized</FONT> deduction from your checking or savings
account. Additionally, a fee of $0.05 per share purchased will be charged for voluntary purchases, regardless of whether such purchases are <FONT STYLE="white-space:nowrap">one-time</FONT> or monthly
<FONT STYLE="white-space:nowrap">pre-authorized</FONT> deductions from your checking or savings account. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>20.&nbsp;What happens to any fractional
interest in shares when you terminate participation in the Plan? </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Any fractional interest in shares withdrawn will be sold by the
Plan Administrator at the then current market value of the Common Stock, and a check will be issued for the proceeds, less applicable fees. Current fees that are subject to change are a service charge of $25.00 and processing fees of $0.12 per share
sold. All <FONT STYLE="white-space:nowrap">per-share</FONT> fees include any brokerage commissions the Plan Administrator is required to pay. Any fractional interest in a share will be rounded up to a whole share for purposes of calculating the <FONT
STYLE="white-space:nowrap">per-share</FONT> fee. Direct registration shares will not be issued for a fractional interest. At its discretion, PNC may close any Plan account that contains less than one share of Common Stock, liquidate the fractional
interest and issue a check for the proceeds, less applicable fees. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>21.&nbsp;How do you sell shares held in the Plan? </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If you wish to sell all or a portion of the book-entry shares in your Plan account, you have two options: (i)&nbsp;you can sell the shares
directly through the Plan; or (ii)&nbsp;you can request the withdrawal of those shares in accordance with the procedures outlined in Question 19 and arrange to sell the shares through your broker. To sell shares held in certificate form, you must
first deposit the certificates in accordance with the procedures in Question 18 and then request a sale. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">When selling shares directly
through the Plan, you have four choices when requesting a sale: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Market Order.</I> A market order is a request to sell shares promptly
at the current market price. Market order sales are available online through Computershare Investor Center accessible from the link on our website at
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">https://investor.pnc.com/shareholder-info/dividend-reinvestment-and-stock-purchase-plan</FONT></FONT> or at www.computershare.com/pnc. Market order sales are also available by calling
the Plan Administrator at <FONT STYLE="white-space:nowrap">(800)&nbsp;982-7652</FONT> and placing the sale order through the telephone IVR (interactive voice response) or speaking to </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

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a service representative. Market order sale requests received through Computershare Investor Center or by telephone will be placed promptly upon receipt during market hours (normally
9:30&nbsp;a.m. to 4:00&nbsp;p.m.&nbsp;Eastern Time). Any orders received after 4:00&nbsp;p.m.&nbsp;Eastern Time will be placed promptly on the next day the market is open. Sales proceeds will equal the market price of the sale obtained by the Plan
Administrator&#146;s broker. Current fees which are subject to change are a service charge of $25.00 and a processing fee of $0.12 per share* sold. There is an additional charge of $15.00 for a customer service representative to handle the request
in person by phone. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Batch Order.</I> A batch order is an accumulation of multiple sale requests for a security submitted together as a
collective request. You can sell shares by batch order through the Plan by completing and returning the form located on the back of your Dividend Reinvestment Plan statement. Batch order sales are also available by calling the Plan Administrator at <FONT
STYLE="white-space:nowrap">(800)&nbsp;982-7652</FONT> during normal business hours. All sales requests received in writing will be submitted as batch order sales. Batch orders are submitted on each market day, assuming there are sale requests to be
processed. Sale instructions for batch orders received by the Plan Administrator will be processed no later than five business days after the date on which the order is received (except where deferral is required under applicable federal or state
laws or regulations), assuming the applicable market is open for trading and sufficient market liquidity exists. For a batch order sale, the price to each selling Plan Participant shall be the weighted average sale price obtained by the Plan
Administrator&#146;s broker for the aggregate order placed by the Plan Administrator and executed by the broker. Current fees which are subject to change are a service charge of $25.00 and a processing fee of $0.12 per share* sold. There is an
additional charge of $15.00 for a customer service representative to handle the request in person by phone. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Day Limit Order.</I> A day
limit order is an order to sell your shares when and if the stock reaches a specific price on a specific day. Day limit order sales are available online through Computershare Investor Center accessible from the link on our website at <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">https://investor.pnc.com/shareholder-info/dividend-reinvestment-and-stock-purchase-plan</FONT></FONT> or at www.computershare.com/pnc. Day limit order sales are also available by calling
the Plan Administrator at <FONT STYLE="white-space:nowrap">(800)&nbsp;982-7652</FONT> and placing the sale order through the telephone IVR (interactive voice response). The order is automatically cancelled if the price is not met by the end of that
trading day (or, for orders placed outside of market hours, the next trading day). Depending on the number of shares being sold and current trading volume in the shares, your order may only be partially filled, in which case the remainder of your
order will be cancelled. The order may be cancelled by the applicable stock exchange, by the Plan Administrator at its sole discretion, or at your request if the Plan Administrator&#146;s broker has not filled the order. Any request to otherwise
cancel a pending day limit order will be honored on a best efforts basis. Day limit orders are subject to a $25.00 service fee and a processing fee of $0.12 per share* sold. There is an additional charge of $15.00 for a customer service
representative to handle the request in person by phone. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Good-Til-Cancelled</FONT></FONT> (GTC) Limit Order.</I><I> </I>A GTC
limit order is an order to sell your shares when and if the stock reaches a specific price at any time while the order remains open (generally up to 30 days). GTC limit order sales are available online through Computershare Investor Center
accessible from the link on our website at <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">https://investor.pnc.com/shareholder-info/dividend-reinvestment-and-stock-purchase-plan</FONT></FONT> or at www.computershare.com/pnc. GTC
limit order sales are also available by calling the Plan Administrator at (800) <FONT STYLE="white-space:nowrap">982-7652</FONT> and placing the sale order through the telephone IVR (interactive voice response). Depending on the number of shares
being sold and current trading volume in the shares, sales may be executed in multiple transactions and may be traded on more than one day. If shares trade on more than one day, a separate fee will be charged for each day. The order (or any
unexecuted portion thereof) is automatically cancelled if the price is not met by the end of the order period. The order also may be cancelled by the relevant stock exchange, by the Plan Administrator at its sole discretion, or at your request if
the Plan Administrator&#146;s broker has not filled the order. GTC limit orders are subject to a $25.00 service fee and a processing fee of $0.10 per share* sold. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">All <FONT STYLE="white-space:nowrap">per-share</FONT> fees include any brokerage commissions the Plan
Administrator is required to pay. Any fractional interest in a share will be rounded up to a whole share for purposes of calculating the <FONT STYLE="white-space:nowrap">per-share</FONT> fee. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Proceeds from each sale of shares through the Plan will be remitted to you less applicable
fees and any applicable taxes. Proceeds are normally distributed one business day after a Participant&#146;s sale transaction has settled. You should note that the Plan Administrator cannot stop or cancel any outstanding sale or request for the
issuance of shares. All requests are final. In addition, the Plan Administrator may, for various reasons, require a transaction request to be submitted in writing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Included with the proceeds, you will receive an advice from the Plan Administrator showing the date of sale, number of shares sold and sale
price. As with other plan records received, you should retain these sale documents for your tax records. Additional information regarding the sale of shares through the Plan may be obtained from the Plan Administrator. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Participants who are PNC restricted employees, designated unit employees, directors or their immediate family members are, under PNC Insider
Trading rules, subject to certain restrictions on the timing of sales of Common Stock (See Question 28). In addition, all sales of shares must be made in compliance with applicable state and federal securities laws. The foregoing summary does not
purport to describe those laws, and you should consult with you own legal advisers regarding the applicability of such laws to any sale of your shares. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>2021 Procedural Change for Voluntary Cash Purchases </U></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">As previously announced in 2021, the Plan Administrator will wait up to three business days after receipt of a check or electronic funds transfer to ensure it
receives good funds and will then seek to purchase shares for voluntary cash purchases on the applicable Investment Date. Each of the following questions replaces in its entirety the same numbered question in the attached Prospectus. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>8. When will shares of Common Stock be purchased under the Plan? </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Cash dividends will be used to purchase Common Stock on the date cash dividends are paid to shareholders of record. Subject to timely receipt
as discussed in Questions 14 and 15, voluntary cash purchases will be invested on the first business day of each month, except for months when cash dividends are paid, when voluntary cash purchases will be invested on the dividend payment date. Each
date on which dividends are reinvested and/or cash purchases are invested is referred to as an &#147;Investment Date.&#148; </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>15. Are there
limitations on voluntary cash purchases? </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Voluntary cash payments to be applied to the purchase of shares on any given Investment
Date must be received by the Plan Administrator no later than three business days prior to such Investment Date. Voluntary cash payments received after such time will be held without interest for investment on the succeeding Investment Date for
voluntary cash purchases. Voluntary cash purchases may not be less than $50.00 per purchase, and such purchases on behalf of any Participant may not aggregate more than $40,000 per month. PNC reserves the right in its sole discretion to determine
whether voluntary cash purchases are made on behalf of a particular Participant. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Reports to Participants </U></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>17. What kind of reports will be sent to Participants in the Plan? </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">A Dividend Reinvestment Plan statement will be available electronically to each Participant as soon as practicable after each investment
through Computershare Investor Center at www.computershare.com/pnc. Annual statements will be mailed to each Participant in November. You may also contact the Plan Administrator at any time to request that a statement be mailed to you. Each
Participant will also receive information for <FONT STYLE="white-space:nowrap">year-end</FONT> income tax reporting purposes. If you have deposited other PNC shares with the Plan Administrator as discussed in Question 18, you will receive
information with respect to such shares in your regular Dividend Reinvestment Plan statement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

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