Novartis Consent to Receive Electronic Disclosures

From time to time, Novartis Pharmaceuticals Corporation ("we", "us", "our", or "Company") may be required by law to provide to you certain written notices or disclosures. Described below are the terms and conditions for providing to you such notices and disclosures electronically through your user account in various Novartis programs. Please read the information below carefully.

At any time, you may request from us a paper copy of any record provided or made available electronically to you by us. You may request delivery of such paper copies from us by following the procedure described below.

If you decide to receive notices and disclosures from us electronically, you may at any time change your mind and tell us that thereafter you want to receive required notices and disclosures only in paper format. How you must inform us of your decision to receive future notices and disclosure in paper format and withdraw your consent to receive notices and disclosures electronically is described below.

If you elect to receive required notices and disclosures only in paper format, it will slow the speed at which we can complete certain steps in communications with you and delivering services to you because we will need first to send the required notices or disclosures to you in paper format, and then wait until we receive back from you your acknowledgment of your receipt of such paper notices or disclosures. To indicate to us that you are changing your mind, you must contact us as described below.

Unless you tell us otherwise in accordance with the procedures described herein, we will provide electronically to you all required notices, disclosures, authorizations, acknowledgements, and other documents that are required to be provided or made available to you during the course of our relationship with you. To reduce the chance of you inadvertently not receiving any notice or disclosure, we prefer to provide all of the required notices and disclosures to you by the same method and to the same address that you have given us. Thus, you can receive all the disclosures and notices electronically or in paper format through the paper mail delivery system. If you do not agree with this process, please let us know as described below. Please also see the paragraph immediately above that describes the consequences of your electing not to receive delivery of the notices and disclosures electronically from us.

You may contact us to let us know of your changes as to how we may contact you electronically, to request paper copies of certain information from us, and to withdraw your prior consent to receive notices and disclosures electronically as follows:

To let us know of a change in your e-mail address where we should send notices and disclosures electronically to you, you must call us at 1-855-722-4722 and state: your previous e-mail address, your new e-mail address. We do not require any other information from you to change your e-mail address.

To request delivery from us of paper copies of the notices and disclosures previously provided by us to you electronically, you must call us at 1-855-722-4722 and state your e-mail address, full name, US Postal Address, and telephone number.

To inform us that you no longer want to receive future notices and disclosures in electronic format you may:

• Call us at 1-855-722-4722 and state your e-mail, full name, US Postal Address, telephone number, and account number. We do not need any other information from you to withdraw consent. The consequences of your withdrawing consent for online documents will be that transactions may take a longer time to process.

• Operating Systems: Windows2000 or WindowsXP

• Browsers (for SENDERS): Internet Explorer 6.0 or above

• Browsers (for SIGNERS): Internet Explorer 6.0, Mozilla FireFox 1.0, NetScape 7.2 (or above)

• E-mail: Access to a valid e-mail account

• Screen Resolution: 800 x 600 minimum

• Enabled Security Settings:

• Allow per session cookies

• Users accessing the internet behind a Proxy Server must enable HTTP 1.1 settings via proxy connection

These minimum requirements are subject to change. If these requirements change, we will provide you with an e-mail message at the e-mail address we have on file for you at that time providing you with the revised hardware and software requirements, at which time you will have the right to withdraw your consent.

To confirm to us that you can access this information electronically, which will be similar to other electronic notices and disclosures that we will provide to you, please verify that you were able to read this electronic disclosure by checking the appropriate box in the enrollment page.

By checking the "I Agree" box on the enrollment page, you confirm that:

• You can access and read this Electronic CONSENT TO RECEIVE ELECTRONIC DISCLOSURES document; and

• You can print on paper the disclosure or save or send the disclosure to a place where you can print it, for future reference and access

Until or unless you notify Novartis Pharmaceuticals Corporation as described above, you consent to receive from us exclusively through electronic means all notices, disclosures, authorizations, acknowledgements, and other documents that are required to be provided or made available to you by Novartis Pharmaceuticals Corporation during the course of your relationship with us.