Washington, D.C. 20549
Proxy Statement Pursuant to Section 14(a) of
the Securities Exchange Act of 1934

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*** Exercise Your Right to Vote ***

Important Notice Regarding the Availability of Proxy Materials for the

Stockholder Meeting to Be Held on May 10, 2013.














P.O. BOX 1342


Meeting Information


Meeting Type: Annual Meeting

For holders as of:   March 15, 2013


Date: May 10, 2013   Time: 10:00 a.m., Local Time


Location:  Parsippany Sheraton

199 Smith Road

Parsippany, NJ 07054



You are receiving this communication because you hold shares in the company named above.


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 or easily request a paper copy (see reverse side). 


We encourage you to access and review all of the important information contained in the proxy materials before voting.


See the reverse side of this notice to obtain proxy materials and voting instructions.


Before You Vote

How to Access the Proxy Materials


Proxy Materials Available to VIEW or RECEIVE:

1. Proxy Statement/2012 Annual Report on Form 10-K   2. Informational brochure (which is not deemed to be part of the official proxy soliciting materials)

How to View Online:

Have the information that is printed in the box marked by the arrow        (located on the following page) and visit:

How to Request and Receive a PAPER or E-MAIL Copy:

If you want to receive a paper or e-mail 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:

  2) BY TELEPHONE: 1-800-579-1639
  3) BY E-MAIL*:

* If requesting materials by e-mail, please send a blank e-mail with the information that is printed in the box marked by the arrow        (located on the following page) in the subject line.

Requests, instructions and other inquiries sent to this e-mail address will NOT be forwarded to your investment advisor. Please make the request as instructed above on or before April 28, 2013 to facilitate timely delivery. Otherwise, you will not receive a paper or e-mail copy of these proxy materials.


How To Vote

Please Choose One of the Following Voting Methods


Vote In Person: Many stockholder 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. Directions to the meeting are available at


Vote By Internet: To vote now by Internet, go to Have the information that is printed in the box marked by the arrow        (located on the following page) available and follow the instructions.

Vote By Mail: You can vote by mail by requesting a paper copy of the materials, which will include a proxy card.



Voting Items

The Board of Directors recommends you vote FOR
the following:

1.Election of Directors


01) Martin R. Benante 06) John B. Nathman
02) Dean M. Flatt 07) Robert J. Rivet
03) S. Marce Fuller 08) William W. Sihler
04) Allen A. Kozinski 09) Albert E. Smith
05) John R. Myers     


The Board of Directors recommends you vote FOR the following proposals:

2.     To Ratify the Appointment of Deloitte & Touche LLP as the Company's independent registered public accounting firm for 2013
3.     An advisory (non-binding) vote on Executive Compensation


NOTE: Such other business as may properly come before the meeting or any adjournment thereof.