<SEC-DOCUMENT>0001193125-17-085267.txt : 20170316
<SEC-HEADER>0001193125-17-085267.hdr.sgml : 20170316
<ACCEPTANCE-DATETIME>20170316153356
ACCESSION NUMBER:		0001193125-17-085267
CONFORMED SUBMISSION TYPE:	DEFA14A
PUBLIC DOCUMENT COUNT:		8
FILED AS OF DATE:		20170316
DATE AS OF CHANGE:		20170316
EFFECTIVENESS DATE:		20170316

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			OFG BANCORP
		CENTRAL INDEX KEY:			0001030469
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				660538893
		STATE OF INCORPORATION:			PR
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		DEFA14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-12647
		FILM NUMBER:		17694253

	BUSINESS ADDRESS:	
		STREET 1:		254 MU?OZ RIVERA AVENUE
		CITY:			SAN JUAN
		STATE:			PR
		ZIP:			00918
		BUSINESS PHONE:		7877716800

	MAIL ADDRESS:	
		STREET 1:		254 MU?OZ RIVERA AVENUE
		CITY:			SAN JUAN
		STATE:			PR
		ZIP:			00918

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ORIENTAL FINANCIAL GROUP INC
		DATE OF NAME CHANGE:	19970110
</SEC-HEADER>
<DOCUMENT>
<TYPE>DEFA14A
<SEQUENCE>1
<FILENAME>d345015ddefa14a.htm
<DESCRIPTION>DEFA14A
<TEXT>
<HTML><HEAD>
<TITLE>DEFA14A</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">
 <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>UNITED STATES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>SECURITIES AND EXCHANGE COMMISSION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>WASHINGTON, D.C. 20549 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>SCHEDULE 14A
</B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>(RULE 14a-101) </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>INFORMATION REQUIRED IN </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>PROXY STATEMENT </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>SCHEDULE 14A INFORMATION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Proxy Statement Pursuant to Section 14(a) of the </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Securities Exchange Act of 1934 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Filed by the
Registrant&nbsp;&nbsp;&#9746;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Filed by a Party other than the
Registrant&nbsp;&nbsp;&#9744;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Check the appropriate box: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="96%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&#9744;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Preliminary Proxy Statement</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&#9744;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&#9744;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Definitive Proxy Statement</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&#9746;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Definitive Additional Materials</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&#9744;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Soliciting Material Pursuant to &#167;240.14a-12</TD></TR></TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:22pt; font-family:Times New Roman" ALIGN="center"><B>OFG
Bancorp </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(Name of Registrant as Specified in its Charter) </B></P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Name of Person(s) Filing Proxy Statement, if Other Than the Registrant)
</B></P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Payment of Filing Fee (Check the appropriate box): </P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="92%"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&#9746;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3">No fee required</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&#9744;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3">Fee computed on table below per Exchange Act Rules 14a-6(i)(1) and 0-11.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">(1)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Title of each class of securities to which transaction applies:</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">(2)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Aggregate number of securities to which transaction applies:</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">(3)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Per unit price or other underlying value of transaction computed pursuant to Exchange Act Rule 0-11 (set forth the amount on which the filing
fee is calculated and state how it was determined):</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</P></TD></TR>
<TR STYLE="page-break-before:always; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">(4)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP> <P STYLE="font-size:1pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Proposed maximum aggregate value of transaction:</P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">(5)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Total fee paid:</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="24"></TD>
<TD HEIGHT="24" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&#9744;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3">Fee paid previously with preliminary materials.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="24"></TD>
<TD HEIGHT="24" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&#9744;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3">Check box if any part of the fee is offset as provided by Exchange Act Rule 0-11(a)(2) and identify the filing for which the offsetting fee was paid previously. Identify the previous filing by registration statement
number, or the Form or Schedule and the date of its filing.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="24"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">(1)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Amount Previously Paid:</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">(2)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Form, Schedule or Registration Statement No.:</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">(3)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Filing Party:</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">(4)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Date Filed:</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</P></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>*** Exercise Your </B><B><I>Right</I></B><B> to Vote *** </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Important Notice Regarding the Availability of Proxy Materials for the </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Shareholder Meeting to Be Held on April&nbsp;26, 2017. </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD WIDTH="94%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>OFG BANCORP</B></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>OFG BANCORP</I></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>C/O AMERICAN STOCK
TRANSFER&nbsp;&amp; TRUST CO.</I></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>6201 15<SUP STYLE="font-size:85%; vertical-align:top">TH</SUP> AVENUE</I></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman"><I>BROOKLYN, NY 11219</I></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:14pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="font-size:24pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:24pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:1pt">


<IMG SRC="g345015img1.jpg" ALT="LOGO">
</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE> </DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8pt; padding-right:2pt"> <P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Meeting Information</U></B></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8pt; padding-right:2pt"> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Meeting Type:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>Annual Meeting<B></B></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8pt; padding-right:2pt"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>For holders as of:&nbsp;&nbsp;&nbsp;&nbsp;</B>February&nbsp;28, 2017<B></B></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8pt; padding-right:2pt"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Date: </B>April&nbsp;26, 2017&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Time:
</B>10:00 a.m. (EDT)</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8pt; padding-right:2pt"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Location: </B>Oriental Center</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8pt; padding-right:2pt">
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:3.50em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;254 Mu&ntilde;oz Rivera Avenue</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:3.50em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;Ground Floor</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:3.50em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;San Juan, Puerto Rico</P> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">You are receiving this communication because you hold shares in the
company named above.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">This is not a ballot. You cannot use this notice to vote these shares.
This communication presents only an overview of the more complete proxy materials that are available to you on the Internet. You may view the proxy materials online at <I>www.proxyvote.com </I>or easily request a paper copy (see reverse
side).</P></TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We encourage you to access and review all of the important information contained in the proxy materials before voting. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#000000"> <P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:0.30em; font-size:10pt; font-family:Times New Roman"><FONT COLOR="#ffffff"><B>See the
reverse side of this notice to obtain proxy materials and voting instructions.</B></FONT></P> <P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
</TABLE> </DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>&#151; Before You Vote &#151; </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">How to Access the Proxy Materials </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="96%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:2pt"> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Proxy Materials Available to VIEW or RECEIVE:</B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">NOTICE AND PROXY STATEMENT&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ANNUAL REPORT</P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>How to View Online:</B></P>
<P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Have the information that is printed in the box marked by the arrow


<IMG SRC="g345015img3.jpg" ALT="LOGO">
 (located on the following page) and visit: <I>www.proxyvote.com. </I></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>How to Request and Receive a PAPER or <FONT STYLE="white-space:nowrap">E-MAIL</FONT> Copy:</B></P>
<P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If you want to receive a paper or <FONT STYLE="white-space:nowrap">e-mail</FONT> copy of
these documents, you must request one. There is NO charge for requesting a copy. Please choose one of the following methods to make your request:</P> <P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:10.00em; font-size:10pt; font-family:Times New Roman">1) <I>BY INTERNET</I>:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;www.proxyvote.com</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:10.00em; font-size:10pt; font-family:Times New Roman">2) <I>BY
TELEPHONE</I><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1-800-579-1639</FONT></FONT></FONT></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:10.00em; font-size:10pt; font-family:Times New Roman">3) <I>BY
<FONT STYLE="white-space:nowrap">E-MAIL*</FONT></I>:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;sendmaterial@proxyvote.com</P>
<P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">* If requesting materials by <FONT STYLE="white-space:nowrap">e-mail,</FONT> please send a
blank <FONT STYLE="white-space:nowrap">e-mail</FONT> with the information that is printed in the box marked by the arrow


<IMG SRC="g345015img4.jpg" ALT="LOGO">
 (located on the following page) in the subject line.</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Requests, instructions and other inquiries sent to this <FONT STYLE="white-space:nowrap">e-mail</FONT> address will NOT be forwarded to your investment
advisor. Please make the request as instructed above on or before April&nbsp;12, 2017 to facilitate timely delivery.</P> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>&#151; How To Vote &#151;</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Please Choose One of the Following Voting Methods</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:1pt">


<IMG SRC="g345015img2.jpg" ALT="LOGO">
</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:2pt"> <P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Vote In Person: </B>Many shareholder meetings have attendance requirements including, but not limited to, the possession of an attendance ticket issued by
the entity holding the meeting. Please check the meeting materials for any special requirements for meeting attendance. At the meeting, you will need to request a ballot to vote these shares. <B></B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Vote By Internet:</B> To vote now by Internet, go to <I>www.proxyvote.com.</I> Have
the information that is printed in the box marked by the arrow


<IMG SRC="g345015img5.jpg" ALT="LOGO">
 (located on the following page) available and follow the instructions. <B></B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Vote By Mail: </B>You can vote by mail by requesting a paper copy of the materials, which will include a proxy card.</P>
<P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
</TABLE>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="29%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="7%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="27%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="26%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2.00pt solid #000000; BORDER-TOP:2.00pt solid #000000; BORDER-BOTTOM:2.00pt solid #000000">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3" ALIGN="center" STYLE="BORDER-TOP:2.00pt solid #000000; BORDER-RIGHT:2.00pt solid #000000; BORDER-BOTTOM:2.00pt solid #000000"><B>Voting Items</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="6"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="5"><FONT STYLE="font-size:10pt"><B>The Board of Directors recommends that you vote FOR ALL of the following:</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-size:10pt">1.</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"><FONT STYLE="font-size:10pt">To elect three directors to serve until the 2020 annual meeting of shareholders and until their successors are duly elected and qualified:</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"><FONT STYLE="font-size:10pt"><B>Nominees:</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">01)&nbsp;&nbsp;&nbsp;&nbsp;Juan C. Aguayo</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">02)&nbsp;&nbsp;&nbsp;&nbsp;Rafael F. Mart&iacute;nez-Margarida</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">03)&nbsp;&nbsp;&nbsp;&nbsp;Jorge <FONT STYLE="white-space:nowrap">Col&oacute;n-Gerena</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="10"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="9"><B>The Board of Directors recommends that you vote FOR the following:</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="8"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">2.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="7">To approve, on an advisory basis, the compensation of the Company&#146;s Named Executive Officers as set forth in the accompanying Proxy Statement.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="10"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="9"><B>The Board of Directors recommends you vote 1 Year on the following proposal:</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="8"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">3.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="7">To approve, on an advisory basis, the frequency of the vote on executive compensation.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="10"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="9"><B>The Board of Directors recommends that you vote FOR the following:</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="8"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">4.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="7">To ratify the selection of the Company&#146;s independent registered public accounting firm for 2017.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="98"></TD>
<TD HEIGHT="98" COLSPAN="2"></TD>
<TD HEIGHT="98" COLSPAN="2"></TD>
<TD HEIGHT="98" COLSPAN="2"></TD>
<TD HEIGHT="98" COLSPAN="2"></TD>
<TD HEIGHT="98" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">


<IMG SRC="g345015img7.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
 <P STYLE="font-size:72pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:2.5pt;margin-top:0pt;margin-bottom:0pt;margin-left:4%;border-bottom:2.50pt solid #000000">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;margin-left:4%;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:24pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="font-size:48pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g345015img8.jpg" ALT="LOGO">
 </P>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>g345015img1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g345015img1.jpg
M_]C_X  02D9)1@ ! @  9 !D  #_[  11'5C:WD  0 $    9   _^X #D%D
M;V)E &3      ?_; (0  0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0(" @(" @(" @(" P,# P,# P,# P$! 0$! 0$" 0$"
M @(! @(# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,#
M P,# P,# P,#_\  $0@ 0  ' P$1  (1 0,1 ?_$ &D   ,
M      <("0$  P$                   $" Q   @,! 0$  @,!
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!V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>g345015img2.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g345015img2.jpg
M_]C_X  02D9)1@ ! @  9 !D  #_[  11'5C:WD  0 $    9   _^X #D%D
M;V)E &3      ?_; (0  0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0(" @(" @(" @(" P,# P,# P,# P$! 0$! 0$" 0$"
M @(! @(# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,#
M P,# P,# P,#_\  $0@ 0  ' P$1  (1 0,1 ?_$ &D   ,
M      <("0$! 0$!                 0(  Q   @,! 0$  @,!
M!08#! <" 0@2$Q47"2,1  (! P,%               1 2$Q$D&!(E%AH<$R
M_]H # ,!  (1 Q$ /P"YQ5+^-S&?#U5$7?I"KI+"!$9S'O0'Y(VSHNDZ3D?\
MXT[3JE4!$.'.Z_M6TKO,U-IFK3=E#$->EY<\EK1_],=>5_8X-\5]0+Z>L[L?
MQ_)-*^GR>#G+:J;5Z\^6;,FOQG.));89HR(TRD5#:1B09LQT^Y(C%$I5I>R0
MTZ'4EB3R3$\6G1B.LO\ 3Q7!7,?IWNOM$ G"/FOD%OLN(Y<&<\"^:_#90+B6
MB!*O>QGCY[^^+\!6"W$'ZK&/TQ6NRXFIQY'!,%UR<*_D-2AC6I+73"#9OBM:
M;=B8\P.Z-GU5@\^*!X-6WJ3R\/?30A:4WI;*LGS^-8S:I[6Y,UBY6A-SQWWW
M^^6+\4F9CK3<*G+9]6%OIY(S6W]$?.<FJ!H=:"2LBEBRDR!^$NP#J&ZX ^)D
M^@^M83"5EI!!9" 26*OQ:E'_ +ZQ"S'#-Q !1-2A46<JI=Y /SK2 ;JN?%]7
M,EC6U+4EO*<$EW4GFTC$-&J+$69 &MGF$.9*,-\97OE>4Z(]<Z)?E=YKR=DY
MZB5JX^BAR'E>[#!#V8$)_P#G0JFVAMOU'T4M9LV6!K&W F:SXJ0MS2.:*G=H
MO:*3U;W/%L9W<H7;_7OD'5GWKV0)<=R>.J-G^<\_RE")3M4\S\D(P[YU,.];
M+';"Z&I[&L,SKSQWG^BJ?\MTO-^PJMU1Z(%2<E7@X#M6O;%>UYS:MUK"5&>6
$\G__V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>g345015img3.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g345015img3.jpg
M_]C_X  02D9)1@ ! @  9 !D  #_[  11'5C:WD  0 $    9   _^X #D%D
M;V)E &3      ?_; (0  0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0(" @(" @(" @(" P,# P,# P,# P$! 0$! 0$" 0$"
M @(! @(# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,#
M P,# P,# P,#_\  $0@ # "< P$1  (1 0,1 ?_$ (\   $$ @,!
M      (!!@<(  D#! 4* 0$! 0$                  0(#$   ! 0% @0%
M @0'       $!08' @,7" $4%188 !,1$B,9(2(D)29&"8)#1&0TAI<H.$AH
M$0 ! P0! P,% 0           1$A,4$"$F'P<:%1D=&!P2(R0E+_V@ , P$
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M>^Z,;LOA>9PK5V3E1V'&0X]*FQ&/P^H)#MB3I,\:]Y5 )CA2,@UQ*96#@03
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M5;)3O);<7(S*4UHP3;1JWO\ ^[T_H=EM,U+[9I'=['PS'21=*N0A_NOY8_\
?239GM4?^G:><7JH?ZG[ER/\ 'IW]STL:C6[[>3__V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>5
<FILENAME>g345015img4.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g345015img4.jpg
M_]C_X  02D9)1@ ! @  9 !D  #_[  11'5C:WD  0 $    9   _^X #D%D
M;V)E &3      ?_; (0  0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0(" @(" @(" @(" P,# P,# P,# P$! 0$! 0$" 0$"
M @(! @(# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,#
M P,# P,# P,#_\  $0@ #0"< P$1  (1 0,1 ?_$ (D   $$ @,!
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G_4?X++V.<KF+$N4_)=.3]5\^YNV?T=A:.0[OZV\N'T/3<5'F?__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>6
<FILENAME>g345015img5.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g345015img5.jpg
M_]C_X  02D9)1@ ! @  9 !D  #_[  11'5C:WD  0 $    9   _^X #D%D
M;V)E &3      ?_; (0  0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0(" @(" @(" @(" P,# P,# P,# P$! 0$! 0$" 0$"
M @(! @(# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,#
M P,# P,# P,#_\  $0@ #0"< P$1  (1 0,1 ?_$ (D   $$ @,!
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G_4?X++V.<KF+$N4_)=.3]5\^YNV?T=A:.0[OZV\N'T/3<5'F?__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>7
<FILENAME>g345015img7.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g345015img7.jpg
M_]C_X  02D9)1@ ! @  9 !D  #_[  11'5C:WD  0 $    9   _^X #D%D
M;V)E &3      ?_; (0  0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0(" @(" @(" @(" P,# P,# P,# P$! 0$! 0$" 0$"
M @(! @(# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,#
M P,# P,# P,#_\  $0@ 0  ' P$1  (1 0,1 ?_$ &L   ,
M      <("0$  P$                   $" Q   @,! 0$  04!
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$WD__V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>8
<FILENAME>g345015img8.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g345015img8.jpg
M_]C_X  02D9)1@ ! @  9 !D  #_[  11'5C:WD  0 $    9   _^X #D%D
M;V)E &3      ?_; (0  0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0(" @(" @(" @(" P,# P,# P,# P$! 0$! 0$" 0$"
M @(! @(# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,#
M P,# P,# P,#_\  $0@ 0  ' P$1  (1 0,1 ?_$ &L   ,!
M      <("08! 0$! 0                $"  ,0  (# 0$!  (# 0
M  4& P0' @$($A,5%PDC$0 " 0,"!P              $0$A,1*!(D%18:'!
M0F+_V@ , P$  A$#$0 _ +G%4OXW,9\/541=^D*NDL($1G,>] ?DC;.BZ3I.
M1_SC3M.J50$0X<[K^U;2N\S4VF:M-V4,0UZ7ESR6M'_TQUW7\C@WQ7U OIZS
MNQ_'\DTKZ?)X.<MJIM7KSY9LR:_&<XDEMAFC(C3*14-I&)!FS'3[DB,42E6E
M[)#3H=26)/),3M:=&(ZR_P!/%<%<Q^G>Z^T0"<(^:^06^RXCEP9SP+YK\-E
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$UD__V0$!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
