Comment: I received only the first email despite reminders. There should have been three, including one mid-year and one at the end of the year.

Comment: Very disappointed, as I did not receive anything. Sent a message asking what was going on, and got no response. I do not like to give a low rating, but I don't have another choice.

Comment: I never received anything from you, nor did I receive any communication from you. The deadline was June 30. I finally emailed you about the swap on July 31, however you have not read the email, even though you have been online as recently as today (August 12). I will re-rate if I ever get anything.