Amended and Restated Dividend Reinvestment & Stock Purchase Plan

Two Options Available to Purchase Shares:

Option I: Direct Purchase. Purchase shares by check or money order, or by automatic withdrawal from your bank account. Direct purchases are subject to a minimum purchase of $100 and a maximum purchase of $5,000 per month (unless you receive a waiver of the maximum amount, as discussed in the plan).

Option II: Dividend Reinvestment. Purchase additional shares by automatically reinvesting dividends paid on shares you already own.

Benefits of the Plan

• No commission or service charges
• Money invested in full and fractional shares
• You may reinvest all or part of your dividends
• You maintain the voting rights on full and fractional shares in the plan