Frequently Asked Questions

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Over 6,000 brokerage firms and financial institutions belong to the Medallion Signature Guarantee Program. The application of a Medallion Signature Guarantee provides the authentication of the guarantor that the endorser of a certificate is the registered owner and has the legal authority to sign the certificate. The guarantor must know the endorser and stand behind its guarantee.

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All transfers should be insured and mailed to:

Registrar and Transfer Company
ATTN: Transfer Department
10 Commerce Drive
Cranford, NJ 07016

All transfers should include a completed W-9 Form. Important Note: Whenever you mail certificates, it is advisable to insure the certificates for 1.5% of their current market value (minimum is $20.00). This will cover the amount charged by most surety companies to obtain the surety bond required to replace the certificates should they be lost in transit. For more information, please view the Share Transfer section.

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Please view the Share Transfer section for more information.

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Please view the Share Transfer section for more information.

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Please view the Share Transfer section for more information.

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Please view the Share Transfer section for more information.

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Please view the Share Transfer section for more information.

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Please view the Share Transfer section for more information.

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The first step in replacing lost certificates is to notify us in writing. This can be accomplished in one of three ways:

1) By completing the ONLINE FORM.

2) BY MAIL:
Registrar and Transfer Company
Attn: Lost Certificate Department
10 Commerce Drive
Cranford, NJ 07016

3) BY FAX: (908)497-2311

Registrar and Transfer Company will then send you the documents necessary to obtain replacement certificates along with instructions to complete them. You will be required to forward payment of 1.5% of the current market value to cover the cost of a surety bond (minimum is $25.00). However, if you never received a certificate to which you were entitled, please call Investor Relations at (800)368-5948 for further instructions.

IMPORTANT: You must be able to provide the name of the security, the certificate number(s), the name of the registered owner(s), and the number of shares in all communications. Also please indicate if the registered stockholder is deceased so the appropriate documents may be forwarded to you. If you do not have this information, you should call our Investor Relations Department at (800)368-5948 to obtain it.

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You may notify us of an address change by calling our Investor Relations Department toll free at (800) 368-5948, by completing the online form, or by printing, completing, and sending the Change of Address Form to our Investor Relations Department at:

Registrar and Transfer Company
10 Commerce Drive
Cranford, NJ 07016

You may also request a change of address by completing the Change of Address form on your dividend check stub or on the reverse side of your dividend reinvestment statement, if applicable. When calling, please have your Social Security Account Number (Tax Identification Number) available for account verification.

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You may request a replacement for a lost or missing distribution check by calling, toll free, our Investor Relations Department at (800) 368-5948, by completing the online form, or by writing to:

Registrar and Transfer Company
10 Commerce Drive
Cranford, NJ 07016

Please have your Social Security Account Number (Taxpayer Identification Number) available for account verification. The Investor Relations Department can answer any questions that you may have regarding the distribution. Distribution record and payable dates, distribution rates, check numbers, taxes withheld and 1099 information are all readily available.

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You may obtain general information regarding your account by calling, toll-free, the Investor Relations Department of Registrar and Transfer Company on (800) 368-5948. Please have your Social Security Account Number (Tax Identification Number) available for account verification and the name of the security that you own. You can also receive account information by writing to us at:

Registrar and Transfer Company
10 Commerce Drive
Cranford, NJ 07016

Be sure to include the name of the company that you own and any other information related to your question. Most correspondence will have a response mailed within five business days of the letter being received by the Investor Relations Department.

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If you want your distribution checks to go to a special address such as a bank account, you can direct distributions to be mailed to a special "dividend address". Simply write us at:

Registrar and Transfer Company
10 Commerce Drive
Cranford, NJ 07016

instructing us to mail all distributions to the special address. Regular mail such as annual reports will continue to be mailed to your home address. Or you may contact Investor Relations at (800)368-5948 to determine if the company you own offers Direct Deposit of dividends.

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To make a request to withdraw or sell shares from your dividend reinvestment account you may either write or fax your request to:

Registrar and Transfer Company
Attn: Dividend Reinvestment Department
10 Commerce Drive
Cranford, NJ 07016

Fax: 908-497-2320

You may use your statement stub to submit your request or submit a letter of instruction. Your request should include the name of the stock, the name of the registered account owners, and your account number or tax identification number. All registered holders of the account must sign the request.
You should refer to your plan prospectus for specific terms, conditions and costs related to such transactions or call us at 800-368-5948.

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Visit our IRIS Support Page for more information.

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What is DRS?
DRS stands for Direct Registration System. Direct Registration is the ownership of stock registered in your own name on the books of the Company, without taking possession of a printed stock certificate. Instead, shareholder ownership is recorded and tracked as an accounting entry on the books of the Company. DRS is a system that electronically moves investors’ positions between brokers and transfer agents for issuers that offer direct registration.

What are some of the advantages of DRS?
DRS gives shareholders several advantages including:

• DRS eliminates the risk of loss or theft of stock certificates and the potential cost and inconvenience of having to obtain a surety bond to replace a lost security.
• DRS eliminates the need to store certificates and retrieve them should a transfer or sale be necessary.

How will I know how many shares I own?
R&T will periodically send statements showing how many shares are held in certificate and book-entry and how many shares are held in the Company’s Dividend Reinvestment Plan, if applicable.

What about certificates that I currently hold?
Certificates can be deposited into book-entry if you desire or can continue to be held. To deposit shares into DRS book-entry, the certificates should be mailed to the address below with a cover letter instructing R&T to deposit these shares into an account in book-entry. R&T will deposit the certificates and send a transaction confirmation. We recommend insuring the certificates for 2% of the current market value whenever certificates are mailed.


Registrar and Transfer Company
Attn.: Transfer Department
10 Commerce Drive
Cranford, NJ 07016


What happens if I hold a certificate and there is a stock distribution?
You will receive a DRS statement of ownership for the extra shares. An additional certificate will not be issued. You always have the right to later request and receive a certificate or to electronically move your securities to your brokerage account.

What happens if I lose a DRS account statement?
If you need a duplicate statement of ownership, contact us and we will mail you a new one. There is no surety charge for additional account statements.

How can I transfer shares to my broker
To transfer your shares to your brokerage account, provide your broker with:

• The most recent copy of your R&T account statement
• The Social Security Account Number on your account
• Your R&T account number (which is on the statement)
• R&T’s DTC number, 7820
• The number of whole shares held in book-entry and/or DRP that you wish to transfer to your brokerage account.

Your broker will request that your shares be delivered to your brokerage account through the Depository Trust Company’s Profile System.