Q	Do I need to be a shareholder to enroll?
A	Yes, only shareholders of record are eligible to enroll in the plan.
Q	How do I enroll?
A	You may request an enrollment package (prospectus and Shareholder Authorization Form) from either Computershare (the Agent) (800-736-3001) or the Company's Shareholder Representative (800-999-6501). Fill out the Shareholder Authorization Form and send it in to the Agent.
Q	When are dividends reinvested?
A	Dividends are reinvested on a quarterly basis on the same day as the Company's regular dividend payments are made. (on or about Feb 15, May 15, Aug 15 and Nov 15)
Q	May I send in additional cash?
A	Additional cash may be invested if "Optional Cash Payments" has been selected on the Shareholder Authorization Form during enrollment. Optional cash payments must be received by the Agent no later than 2 business days prior to the investment date. (There are no exceptions to this requirement.)
Q	Is there a maximum amount of cash I can send in?
A	The maximum amount of additional cash that may be invested is $5,000 per quarter. (The minimum is $25 per quarter.)
Q	How is the reinvestment price figured?
A	For shares acquired through original issue stock, the reinvestment price is figured by taking the average of the daily high and low for the last five trading days preceding the investment date. For shares purchased on the open market, the reinvestment price is the weighted average of the actual prices paid for all shares purchased for the Plan during the investment period.
Q	Is there a discount?
A	There is no discount.
Q	Can I withdraw from the plan?
A	Participants may withdraw from the Plan at any time. A withdrawal form is attached to the bottom of the quarterly Statement of Holdings that all participants receive. Simply fill out the form and send it in to the Agent. You may also withdraw from the Plan by contacting the Agent at 800-736-3001.
Q	Can I transfer my DRP shares?
A	DRP shares may be transferred, or sold, just as any other share.
Q	Will I receive a certificate?
A	Certificates are not issued for DRP shares. DRP shares are held by the Agent in "book" form for participants in their own separate accounts. Certificates will be issued upon withdrawal of shares, or total withdrawal, from the Plan.