
<html><head><style type='text/css'>p { margin: 0; }</style></head><body><div style='font-family: times new roman,new york,times,serif; font-size: 12pt; color: #000000'><A href="http://wyc.org/Portals/36/PHRF2016RatingForm.pdf?ver=2016-03-01-210632-517"><SPAN id=DWT913 class=ZM-SPELLCHECK-MISSPELLED word="http">http</SPAN>://<SPAN id=DWT914 class=ZM-SPELLCHECK-MISSPELLED word="wyc">wyc</SPAN>.org/Portals/36/PHRF2016RatingForm.<SPAN id=DWT915 class=ZM-SPELLCHECK-MISSPELLED word="pdf">pdf</SPAN>?<SPAN id=DWT916 class=ZM-SPELLCHECK-MISSPELLED word="ver">ver</SPAN>=2016-03-01-210632-517</A><BR></div></body></html>