<html><body><div style="font-family: times new roman, new york, times, serif; font-size: 12pt; color: #000000"><div><a href="https://dearoldgold.com/2020/05/29/patrick-mccaffery-hardship-waiver-impact/" data-mce-href="https://dearoldgold.com/2020/05/29/patrick-mccaffery-hardship-waiver-impact/">https://dearoldgold.com/2020/05/29/patrick-mccaffery-hardship-waiver-impact/</a></div><div><br></div><div><br></div></div></body></html>