PUTNAM INSIGHT

FINANCIAL SERVICES, NAMELY, PROVIDING RETIREMENT PLAN INFORMATION, ACCOUNT INFORMATION, RETIREMENT PLAN OBJECTIVES AND PERFORMANCE INFORMATION, ACCOUNT PERFORMANCE INFORMATION, AND OTHER INFORMATION RELATING TO INVESTMENTS; ELECTRONIC NOTIFICATION SERVICES REGARDING RETIREMENT PLAN INFORMATION, ACCOUNT INFORMATION, RETIREMENT PLAN OBJECTIVES AND PERFORMANCE INFORMATION AND ACCOUNT PERFORMANCE INFORMATION, AND OTHER INFORMATION RELATING TO INVESTMENTS AND ACCOUNT TRANSACTIONS; FINANCIAL PLANNING FOR RETIREMENT AND OTHER FINANCIAL ISSUES; [ FUND TRANSFER SERVICES; ] RETIREMENT PLAN AND ACCOUNT ADMINISTRATION, MANAGEMENT, AND REPORTING SERVICES; PROVIDING INFORMATION ABOUT RETIREMENT PLAN AND ACCOUNT DOCUMENTS; FINANCIAL PLANNING AND INVESTMENT STRATEGY INFORMATION, FINANCIAL AND INVESTMENT RESEARCH AND RESEARCH TOOLS, AND FINANCIAL AND INVESTMENT DATABASES; FINANCIAL AND INVESTMENT NEWS AND LINKS TO OTHER WEB SITES FEATURING FINANCIAL AND INVESTMENT INFORMATION; COLLABORATIVE COMMUNICATIONS REGARDING FINANCIAL PLANNING FOR INVESTMENT AND RETIREMENT ACCOUNTS, INVESTMENT AND RETIREMENT OBJECTIVES AND PERFORMANCE; ALL BY MEANS OF A WEB SITE ON A GLOBAL COMPUTER NETWORK