Prior to registering, you will need the following information:

• Authentication ID Number
• Account Number or Employee Number*

Go to www.shareowneronline.com and select “Register” You will be instructed to create the following information:

• Username
• Password
• Answer for a pre-defined Security Question

*The Employee Number option is only available if the company name of stock held is displayed in the company lookup table.

Your account number appears on your account statements, tax forms, and proxy information.

Your Authentication ID is provided upon request and will be sent by mail. In order to request your Authentication ID, you will need the following information:

• Account Number
• Company of Stock

Go to www.shareowneronline.com and select "Register".

Follow these steps.

1. Go to www.shareowneronline.com
2. Select “Login”
3. Then select "Having trouble logging in?"
4. Select "Recover Username"
5. Enter your Password
6. Select "Account Number", "Authentication ID" or "Employee Number*"
7. Enter your Account Number or Employee Number and select the company name of Stock held or your Authentication ID
8. Select "Authenticate"
9. Enter the answer to your Security Question
10. Select "Continue"

Your Username will be displayed

*The Employee Number option is only available if the company name of stock held is displayed in the company lookup table.

Follow these steps.

1. Go to www.shareowneronline.com
2. Select “Login”
3. Then select "Having trouble logging in?"
4. Select "Reset Password"
5. Enter your Username
6. Select "Account Number", "Authentication ID" or "Employee Number*"
7. Enter your Account Number or Employee Number and select the company name of stock held or your Authentication ID
8. Select "Continue"
9. Enter the answer to your Security Question
10. Proceed

*The Employee Number option is only available if the company name of stock held is displayed in the company lookup table.

Follow these steps.

1. Go to www.shareowneronline.com
2. Select “Login”
3. Then select "Having trouble logging in?"
4. Select "Reset security question/answer"
5. Enter your Username
6. Enter your Password
7. Select "Account Number", "Authentication ID" or "Employee Number*"
8. Enter your Account Number or Employee Number and select the company name of stock held or your Authentication ID
9. Select "Continue"

*The Employee Number option is only available if the company name of stock held is displayed in the company lookup table.

You may recover your Username and create a new Password or Security Question/Answer. To complete this process you must have a valid email address on file for your account.

Follow these steps.

1. Go to www.shareowneronline.com
2. Select “Login”
3. Then select "Having trouble logging in?"
4. Select "Recover Account with Email Verification"
5. Select information that you have available for your ID and Verification Number, then enter your information*
6. Enter the name of the company in which you own stock. You may type the name or select it from the company lookup.
7. Select "Submit"
8. A secure reset link will be sent to the email address on file for your online account.
9. Click the secure link in the email message, then follow the instructions to reset your login credentials.

* Employee Number can only be used if the company in which you own stock offers an online employee plan and allows Employee Number for online authentication.

For your security, unsuccessful attempts to login to your account are monitored. Excessive unsuccessful attempts will result in locking of account access until the account owner’s identity can be verified.

Follow these steps.

1. Go to www.shareowneronline.com
2. Select “Login”
3. Then select "Having trouble logging in?"
4. Select “Unlock Account”
5. Select information that you have available for your ID and Verification Number, then enter your information*
6. Enter the name of the company in which you own stock. You may type the name or select it from the company lookup.
7. Select "Continue"

* Employee Number can only be used if the company in which you own stock offers an online employee plan and allows Employee Number for online authentication.

Direct Registration is a form of registration. It enables stockholders to be directly registered on the records of the corporation in book-entry form, with no need for a physical stock certificate.

The Direct Registration Profile Modification System was developed to provide investors with an efficient method of moving book-entry positions within the financial community. As an investor, you can have your securities held in book-entry form in your Direct Registration, Direct Purchase or Dividend Reinvestment account, moved electronically between EQ Shareowner Services, your corporation's transfer agent, and your broker/dealer.

As an individual investor, you may have three choices to hold your securities:

1. Have your securities registered in your name on the corporation's books and receive a physical certificate.
2. Have your broker/dealer hold your securities in book-entry form under "street name" registration.
3. Have your securities held in book entry form under direct registration by EQ Shareowner Services, your corporation's transfer agent.

1. Physical Stock Certificates registered in the investor's name require the investor to safeguard them until the investor wishes to sell or transfer the shares. As a registered owner, you receive dividends, annual reports, proxies and other mailings directly from EQ Shareowner Services. Physical certificates carry risk. If they are lost, the investor will have to pay to replace them.
2. Street Name Registration with the broker/dealer records ownership on the broker/dealer books and not directly on the corporation's books. Your broker/dealer will send you periodic statements indicating all securities in your account at the broker/dealer. Annual reports, proxies, and other issuer mailings will be sent to you from your broker/dealer.
3. Direct Registration allows you to have your securities registered in your name, on the books of the corporation without the need for a physical certificate. You will receive periodic statements reflecting your ownership, along with dividends, annual reports, proxies, and other mailings directly from EQ Shareowner Services.

If you currently hold a certificate, you can mail or take your certificate to EQ Shareowner Services with instructions to deposit into your DRS account. If you currently hold your securities in street name, you can instruct your broker/dealer to move your securities to EQ Shareowner Services to book entry through the Direct Registration Profile Modification System. In both situations, you will receive a statement of ownership from EQ Shareowner Services acknowledging your DRS book entry position once the change has been made.

If your securities are in a Direct Registration, Dividend Reinvestment or Direct Purchase account, you may take one of the following three actions to sell your securities:

1. Instruct EQ Shareowner Services to sell your securities (according to the terms of the company's Dividend Reinvestment plan, Direct Purchase plan, or Direct Registration sales feature); To see if this option is available for your stock, please refer to information on the back of your account statement or log into shareowneronline.com and view your stock.
2. Instruct your broker/dealer to electronically move your securities from your account at EQ Shareowner Services using the Direct Registration Profile Modification System.
3. Request a physical certificate from EQ Shareowner Services and deliver the certificate to your broker/dealer to sell.

Please note: EQ Shareowner Services will sell your securities under the terms and conditions of your plan. Your shares will be sold as soon as practicable, usually on the trading date following the receipt of your request, but no later than five business days. Proceeds from the sale will be mailed to you two business days after the date of the sale, less any applicable sales and commission fees.

Options for selling Market, Limit and Stop orders may vary by company. Please refer to your Plan brochure/prospectus which can be found online at shareowneronline.com. If your company allows these type of sale methods, they can be requested through shareowneronline.com or by phone. Batch order sales are available through Mail, phone and internet.

You will generally receive a statement of ownership instead of an additional certificate. Book-entry registration helps to keep costs down for your corporation, which in turn adds to shareowner value.

Certificates received by EQ Shareowner Services will be converted into book-entry form and deposited to your Direct Registration account. They will not be held in certificate form.

Although options vary somewhat by company, generally you may request a certificate by phone or in writing by mail or fax.

If your company offers account access through www.shareowneronline.com, you may be able to login to view and print a history of your account. Otherwise, please contact us to determine how to obtain duplicate statements and if there is a cost to do so.

A Dividend Reinvestment Plan is an investment plan available to existing, registered shareowners of a particular company. Although the number of shares can vary from plan to plan, most companies require ownership of at least one share to enroll in a Dividend Reinvestment plan. A Direct Purchase Plan has an "open enrollment" feature, which allows investors to purchase their initial share(s) of stock from the issuer rather than purchasing through a brokerage firm. Once enrolled in either plan, shareowners generally have the option to increase their ownership of stock through the purchase of shares with dividends and/or cash contributions. Some plans also offer shareowners automatic debits from their bank accounts to make cash contributions. It is important that you read the prospectus carefully before deciding to purchase or deciding which options are right for you.

If the company you are interested in offers account access through www.shareowneronline.com, you may be able to view the plan material, make your initial investment, sign up for reinvestment or change reinvestment options online. A list of plans administered by Shareowner Services is available online at www.shareowneronline.com. Some of the brochures/prospectuses and enrollment forms are also online. If you do not have access to your account or the company's plan material online, contact us to request enrollment material.

Options for how to sell your shares vary by company. If the company offers account access through www.shareowneronline.com, you may be able to view the plan's prospectus online. Sale requests may be made through shareowneronline.com or by phone (if your account is set up for phone transactions). Please remember that any requests sent in writing require that all registered owners sign the sale request.

Options for selling Market, Limit and Stop orders may vary by company. Please refer to your Plan brochure/prospectus. If the company offers account access through www.shareowneronline.com, you may be able to view the plan's prospectus online. If your company allows these type of sale methods, they can be requested through shareowneronline.com or by phone. Batch order sales are available through Mail, phone and internet.

Options for how to deposit your certificate vary by company. Refer to the share transaction request on your statement to determine which options are available to you. EQ Shareowner Services suggests you send your certificate by traceable mail and insured for at least 4% of its market value.

Options for how to purchase more shares vary by the company. Please refer to your plan prospectus for the terms of your investment plan. If the company offers account access through www.shareowneronline.com, you may be able to view the plan's prospectus online.

Options for how to withdraw your shares vary by company. Please contact a customer service representative to determine which options are available to you. Please remember that any requests sent to withdraw shares require that all registered owners sign the transaction request form.

Options for how to close your account are located on your statement's share transaction request. Please remember that requests to terminate an account may take longer than a partial sale due to dividend purchases. If the company offers account access through www.shareowneronline.com, you may be able to download a form to print and send to Shareowner Services. If your company does not offer account access through www.shareowneronline.com, please contact us to determine how to terminate your account.

If the company you are interested in offers account access through www.shareowneronline.com, you may be able to view the plan material, sign up for reinvestment or change reinvestment options online. A list of plans administered by Shareowner Services is available online at www.shareowneronline.com. Some of the brochures/prospectuses and enrollment forms are also online. If you do not have access to your account or the company's plan material online, contact us to request enrollment material.

If your company offers account access through www.shareowneronline.com, you may be able to view and print a history of your account at the site. You can print a copy of this by using your web browser tools, or using ‘Ctrl + P’ on your keyboard. Otherwise, please contact us to determine how to obtain duplicate statements and if there is a cost to do so.

The purchase dates vary by company. To purchase stock through a Dividend Reinvestment plan, please refer to your plan prospectus or to your statement. If the company you invest in offers account access through www.shareowneronline.com, you may be able to view the terms and conditions of the plan online. If you are unable to locate the prospectus, please contact us to determine how to purchase additional shares.

Sale Request / Certificate Deposit (PDF): A form for selling shares or depositing a stock certificate into your account. This form may be printed and then mailed into our office. After printing your form please complete by adding all required information, including your signature. Mail your completed form to:

EQ Shareowner Services
PO Box 64856
St. Paul, MN 55164-0856

Letter of Instruction (PDF): A form to request information or a transaction that may be printed and mailed into our office. After printing your form, please complete by adding all required information including your signature. Mail your completed form to:

EQ Shareowner Services
PO Box 64874
St. Paul, MN 55164-0874

IRS W-8BEN (PDF): To access a form which enables you to certify that you are not a U.S. citizen and to certify your appropriate country to claim a reduced rate of, or exemption from, withholding, if applicable. Be sure to add your Account Number on the form so we can apply it to your account. If you are a beneficial owner who is an individual who has provided us with a U.S. mailing address in Box 5, or has a U.S. mailing address associated with your account in our system, you must provide a written explanation in support of your foreign status and explain why you have provided us with a U.S. address.
After printing your form, please complete by adding all required information including your account number and signature. Mail your completed form to:

EQ Shareowner Services
PO Box 64874
St. Paul, MN 55164-0874

IRS W-9 (PDF): To access a form which enables you to certify your taxpayer identification number (TIN). Be sure to add your Account Number on the form so we can apply it to your account.
After printing your form, please complete by adding all required information including your account number and signature. Mail your completed form to:

EQ Shareowner Services
PO Box 64874
St. Paul, MN 55164-0874

Affidavit of Domicile (PDF): A notarized statement of facts given under oath regarding the legal residence of a decedent. Mail your completed form to:

EQ Shareowner Services
PO Box 64854
St. Paul, MN 55164-0854

Certificate of Fiduciary Authority (PDF): The form used to certify the authority of the acting trustees of a trust when presented with proof of the registered trustee's inability to act. Mail your completed form to:

EQ Shareowner Services
PO Box 64854
St. Paul, MN 55164-0854

Personal Identification Number (PIN) (PDF): Personal Identification Number (PIN): Use to access a form for establishing a Personal Identification Number (PIN) to process transactions using the automated telephone system. Mail your completed form to:

EQ Shareowner Services
DAT M – PN
PO Box 64945
St. Paul, MN 55164-0945

POA for Multiple Security Owners (PDF): This specific Power of Attorney is designed to facilitate the transfer, redemption, sale, or liquidation of a security that is held by multiple registered owners when all owners cannot be present to provide their signature(s) and secure a Medallion Signature Guarantee. Users should consult state law for specific requirements that may apply to powers of attorney. This form allows party one to complete the POA for Multiple Security Owners and mail to party two. Party two will complete a Stock Power form and forward the Stock Power and POA for Multiple Security Owners, along with any other documents required for transferring ownership of securities. Mail your completed form to:

EQ Shareowner Services
PO Box 64854
St. Paul, MN 55164-0854

Stock Power and Transfer Instructions (PDF): The form for transferring ownership of your shares or requesting a name change. This is an interactive form which you may complete online before printing and mailing. Mail your completed form to:

EQ Shareowner Services
PO Box 64874
St. Paul, MN 55164-0874

Broker authorization (PDF): The form for setting Broker Instructions. This is an interactive form which you may complete online before printing and mailing. Mail your completed form to:

EQ Shareowner Services
PO Box 64874
St. Paul, MN 55164-0874

Contact one of our customer service representatives to report a certificate as lost. After you provide brief information, the representative will inform you about the replacement cost and any additional steps you may need to take. You may also send notification of loss in writing to our address.

In some cases, it can take up to 10 days for mail to be delivered. If 10 days have passed since the certificate was mailed, you may send notification of non-receipt in writing to our address.

If you locate a certificate that has already been replaced, please send the original certificate to EQ Shareowner Services at the following address:

EQ Shareowner Services
Attn: Lost Securities
P.O. Box 64854
St. Paul, MN 55164-0854

If your company offers account access through www.shareowneronline.com, you may change your address online. Otherwise, please contact us.

EQ Shareowner Services routinely checks shareowners’ mailing addresses for updates in the National Change of Address Database (NCOA) administered by the U.S. Postal Service (USPS). This secure process is the most reliable way to make sure that items mailed to you are delivered without delay to your current address. Addresses may be systematically updated as a result of an official change or forwarding request submitted to the USPS. Address formatting may also be updated (i.e. corrections to abbreviation, street/city/zip code) to improve deliverability.

Yes. If your company offers account access through www.shareowneronline.com, you may change your address online. Otherwise, please contact us.

Many companies offer direct dividend deposit to your account at a financial institution. Electronic Funds Transfer (EFT) will send your dividend to your designated bank account on the payable date. If your company offers account access through www.shareowneronline.com, you may sign up for direct deposit online. Otherwise, please contact us.

Each year, shareowners are sent an annual report together with notice of the company's annual meeting and a proxy statement that contains the details of the meeting. At the annual meeting, shareowners have the opportunity to vote on the election of directors and to act on other matters, such as management and shareowner proposals. A proxy card is furnished so that shareowners can cast their votes on such matters. Annual meeting material is usually mailed 30 to 45 days prior to the meeting and shareowners are urged to vote by returning a completed proxy card, voting by phone or via the Internet.

If your company offers account access through www.shareowneronline.com, you may request a replacement check online. Otherwise, please contact a customer service representative by phone, mail or email. We do ask that you allow 10 days from mailing before requesting a replacement check. If your company allows it, you may want to consider signing up for direct dividend deposit. Electronic Funds Transfer (EFT) will then send your dividend directly to your designated bank account on the payable date.

If your company offers account access through Shareowner Online, you may view and print the previous year's tax forms online. To print this please use the print functionality on your browser, or use the ‘Ctrl + P’ function from your keyboard. You may also obtain a duplicate form by calling our Shareowner Relations Department. Both the automated phone system and a customer service representative can request a form that will be mailed within two business days. If you need a duplicate tax form that dates before the previous tax year, please submit your request in writing along with a check for $7.50 for each year and form requested to our Shareowner Relations Department.

If you were a registered holder on a dividend record date, EQ Shareowner Services would have paid you a dividend and that dividend would be reportable on a 1099DIV. The 1099DIV will reflect only the dividends paid to the registered holder prior to a transfer or sale.

We are required to withhold taxes on dividends for anyone that does not have a certified Employer Identification Number (EIN) or Social Security Number (SSN) on our records. If you would like to send us a W-9 or W-8BEN so you can certify your EIN or SSN, please print the online form and send it to us. Second, we also are required to withhold taxes for anyone for whom the IRS has sent us a B Notice or a C Notice.

If you were a registered holder on a dividend record date, EQ Shareowner Services would have paid you a dividend and that dividend would be reportable on a 1099DIV. That 1099DIV would reflect only the dividends paid to the registered holder prior to the transfer or sale. If you transferred your account during the year, you would receive a second 1099DIV for dividends paid under the new registration.

Cost basis is the initial cost of an asset, adjusted for stock splits, spinoffs and non-dividends distributions. It is used to determine the amount of the gain or loss- at the time of a sale or exchange.

Book lot is an electronic record of a share or group of shares held on the books of the transfer agent, not otherwise held in a plan. Within your book lot, each acquisition on a different date or for a different price will be represented with a separate tax lot. That date will determine if any gain or loss is short-term or long-term.

A tax lot is a record of the cost basis details associated with shares you acquire in your account. There will be a separate tax lot for each group of shares that has the same acquisition date and acquisition price.

Covered securities

Securities meeting the requirement of the Federal tax code and regulations are considered to be “covered” securities. Below are the effective dates for the various types of securities:

• Equity securities acquired on or after January 1, 2011.
• Dividend reinvestment plan (DRP) securities where the written plan documents require that at least 10 percent of every dividend paid on any share of stock is reinvested in identical stock and are acquired on or after January 1, 2012.
• Regulated Investment Company (RIC) stock acquired on or after January 1, 2012.
• Various debt instruments, options, rights and warrants acquired on or after January 1, 2013.

Non-covered securities

• All securities acquired before January 1, 2011.
• Securities received into your account from a broker or other transfer agent showing the securities were non-covered, the transfer statement failed to include cost basis information for covered securities, or no transfer statement was provided.
• Types of securities that are not defined as covered securities, such as partnership interests, REMIC interests and widely held fixed investment trusts.

The date of purchase or sale, or exchange due to a corporate action. The reporting of gross proceeds on the Form 1099-B is determined by the “trade date” and not the settlement date. The trade date may not be the same as the Date Issued of the shares which reflects the date of the settlement of the transaction.

The acquisition date is used at the time of sale to determine if any gain or loss from the sale should be recognized as short-term or long-term. Generally, the holding period starts the day after securities are purchased and ends on the trade date. This acquisition date can be different for the following reasons:

• Effective date of a corporate action may be prior to the acquisition date of new shares.
• Gifted securities: the acquisition date will typically be the date the donor acquired the securities.
• Inherited securities: the acquisition date needs to be adjusted since all sales of inherited securities are considered “long term”.

The acquisition date for non-covered securities will be displayed as 01/01/1901. Please see a tax professional for assistance in determining your tax-basis on non-covered securities.

The acquisition price represents the purchase price per share plus any fees or commission at the time the shares were originally acquired by you or the original owner. The acquisition price will reflect any adjustments due to wash sales or corporate actions.

• Gifted securities: The acquisition price will be determined by the donor’s basis, unless the fair market value (FMV) on the date of the gift is less than the donor’s basis. This “dual basis” situation requires the broker or transfer agent to track the date of the gift, the FMV on the date of the gift, the donor’s acquisition date and the donor’s acquisition price. . Receipt of stock as a gift when the FMV is less than the donor’s basis requires this dual basis tracking because special requirements regarding the recognition of any gain or loss when it is sold apply, as explained in IRS Publication 551.
• Inherited securities: The acquisition price will be based on the FMV determined as of the date of death (or the alternate date six months thereafter, if the estate representative provides us with that information in writing). This FMV is used to determine your cost basis.

We will sell, exchange, withdraw, or transfer your securities in First-In /First-Out (FIFO) order, consistent with the default tax lot selection method established in Treasury Regulation 1.1012-1, unless otherwise instructed by you in writing on or prior to the date of the sale or other disposition of your securities. Federal tax regulations do not permit you to change the tax lot sold or exchanged after the settlement date. If you do not want your shares disposed of in FIFO order, you must specify in writing the following for the securities you would like sold, transferred, or withdrawn:

• Share amount/number of shares
• Acquisition date
• Acquisition price

Averaging only applies to covered shares held in plans for which the written plan documents require that at least 10 percent of every dividend paid is reinvested in identical stock. You must instruct us in writing if you wish to elect to use the averaging method. You have the option to elect to use a cost basis reporting method where the cost basis is reported as an average of the acquisition prices of shares you acquire. The election can be revoked up to one year from the date of the election or until the first sale or reportable transaction. Sales or exchange of shares subject to this election must apply the First-In/First-Out tax lot selection method. You cannot make a specific identification of which tax lots to sell if they are subject to the average cost basis election.

If you acquire “replacement shares” within a period of 30 days before or after you sell shares at a loss, the sale is considered a wash sale pursuant to IRC section 1091. As a result, all or part of a loss may be disallowed. . The rule is applied technically, regardless of your intent. For example, it would apply to your sale of covered shares that are “replaced” within this time period by reinvested dividends that create a covered tax lot. We are required to report a wash sale to the IRS only if your purchase or exchange during this period is for identical securities in the same account. The amount of the loss that is disallowed will be added to the basis of your “replacement shares.” You should consult with your tax advisor regarding the wash sale rule as it applies to the acquisition of identical or substantially similar securities within this period, including options, in other accounts you may own or control.

Shareowners have a number of ways to register their stock. Some of the more common types of ownership are listed below.

• Individual registration

A form of individual ownership. Upon the death of the individual, the shares are subject to probate proceedings.

• Joint tenancy

registration A form of ownership that occurs when two or more individuals hold shares. Upon the death of one joint owner, the survivor(s) are entitled to the entire property. This is different from tenancy in common and tenancy by the entirety.

• Tenants by the entirety registration

A form of ownership recognized by certain states as an appropriate form of registration for a husband and wife in such a manner that, except in concert with the other, neither husband nor wife has a disposable interest in the property during the lifetime of the other. Upon the death of either, the property goes to the survivor. This is different from tenancy in common and joint tenancy.

• Tenants in common registration

A form of ownership that occurs when two or more individuals hold shares. In this situation each tenant owns an undivided interest, which, upon the death of one tenant, passes as such to his heirs or devisees and not to the surviving tenant(s). This is different from tenancy by the entirety and joint tenancy. (See applicable definitions.)

• Transfer on death (TOD) registration

A form of individual or joint tenant ownership where a beneficiary has been designated. Only one beneficiary can be designated per registration. The beneficiary has no rights to the security until the security owner(s) dies. Upon the death of the security owner(s), the ownership of the security passes to the TOD beneficiary. Not all states have passed statutes to allow for TOD registrations. Please check with a Customer Service Representative if you are unsure of your state's statutes.

• Custodial registration

A form of ownership that can be established for a minor who has not attained the age of majority as defined by the laws of their state of residence. We do not recommend registrations in a minor's name alone. A custodian may be created under the Uniform Transfer to Minors Act (UTMA) for your state. The Uniform Transfer to Minors Act has replaced the Uniform Gift to Minors Act (UGMA) in most states for new shares.

• Trust registration

A form of ownership governed by a trust agreement created during the lifetime of a grantor or created under a decedent's will. The general guidelines for registering securities in a trust registration include:

• the name(s) of the trustee(s);
• the name of the trust or the grantor or in the case of a trust under will, the name of the deceased;
• and the date of the trust (not applicable for a trust under will).

No. A new account is set up any time there are changes to a registration. We cannot assume you will want the same features on the new account. For example, you will need to request an electronic authorization form for the new account to establish direct deposit.

To transfer the shares on your account, Shareowner Services requires the following:

• A Stock Power (PDF*) form completed and signed by all registered owner(s) exactly as their name(s) appear on the account. In the spaces provided on the Stock Power form, provide the proper description of the shares and indicate how the shares are to be reissued, including name, address and Employer Identification Number (EIN) or Social Security Number (SSN) for the new registration. If applicable, indicate how un-cashed checks are to be reissued.
• The signature of the registered owner(s) on the Stock Power form must be guaranteed in the Medallion format by an eligible guarantor institution (e.g., bank, broker, credit union, etc.) as described on the reverse side of the Stock Power form. The Medallion stamp must not be dated or notated in any manner. Your guarantor will require proof of your authority to act.
• A W-9 (PDF*) form or a W-8 BEN (PDF*) form is required. A W-9 form is used to certify the Social Security Number (SSN) or Employer Identification Number (EIN) of a shareholder who is a United States citizen. Failure to certify the SSN or EIN may subject the holder to federal tax withholding of up to 31 percent. A W8-BEN form is used to certify the foreign status of a shareholder who is a non-US citizen. Failure to certify status may subject the holder to Non Resident Alien (NRA) tax withholding of up to 30 percent.
• If the shares are held in certificate form, you must submit the stock certificate(s) to complete the transfer. We recommend you use a traceable mail method and insure the package for 4% of the current market value of the shares.

Yes. To transfer your shares to a trust, Shareowner Services requires the following:

• A Stock Power (PDF*) form completed and signed by all registered owner(s) exactly as their name(s) appear on the account. In the spaces provided on the Stock Power form, provide the proper description of the shares and indicate how the shares are to be reissued, including name(s) of the trustee(s), the date of the trust, the name of the trust, the address and Employer Identification Number (EIN) or Social Security Number (SSN) for the new registration. If applicable, indicate how un-cashed checks are to be reissued.
• The signature of the registered owner(s) on the Stock Power form must be guaranteed in the Medallion format by an eligible guarantor institution (e.g., bank, broker, credit union, etc.) as described on the reverse side of the Stock Power form. The Medallion stamp must not be dated or notated in any manner. Your guarantor will require proof of your authority to act.
• A W-9 (PDF*) form or a W-8BEN (PDF*) form is required. A W-9 form is used to certify the Social Security Number (SSN) or Employer Identification Number (EIN) of a shareholder who is a United States citizen. Failure to certify the SSN or EIN may subject the holder to federal tax withholding of up to 31 percent. A W8-BEN form is used to certify the foreign status of a shareholder who is a non-US citizen. Failure to certify status may subject the holder to Non Resident Alien (NRA) tax withholding of up to 30 percent.
• If the shares are held in certificate form, you must submit the stock certificate(s) to complete the transfer. We recommend you use a traceable mail method and insure the package for 4% of the current market value of the shares.

Yes. To correct an error on your registration, Shareowner Services requires the following:

A Stock Power (PDF*) form completed and signed by all registered holders using the correct form of their name(s). Example: Jane Doe incorrectly registered as John Doe. In the spaces provided on the Stock Power form, provide the proper description of the shares and indicate how the shares are to be reissued, including correct name(s), address and Employer Identification Number (EIN) or Social Security Number (SSN) for the new registration. If applicable, indicate how un-cashed checks are to be reissued.

The signature(s) on the Stock Power form must be guaranteed in the Medallion format by an eligible guarantor institution (e.g., bank, broker, credit union, etc.) as described on the reverse side of the Stock Power form. The Medallion stamp must not be dated or notated in any manner. Your guarantor will require proof of your authority to act.

A W-9 (PDF*) form or a W-8BEN (PDF*) form is required. A W-9 form is used to certify the Social Security Number (SSN) or Employer Identification Number (EIN) of a shareholder who is a United States citizen. Failure to certify the SSN or EIN may subject the holder to federal tax withholding of up to 31 percent. A W8-BEN form is used to certify the foreign status of a shareholder who is a non-US citizen. Failure to certify status may subject the holder to Non Resident Alien (NRA) tax withholding of up to 30 percent.

If the shares are held in certificate form, you must submit the stock certificate(s) to complete the transfer. We recommend you use a traceable mail method and insure the package for 4% of the current market value of the shares.

To change your registration, Shareowner Services requires the following:

• A Stock Power (PDF*) form completed and signed by you exactly as your name appears on your account and then sign again using your new name indicating "now known as". Example: "Jane Doe now known as Jane Smith". In the spaces provided on the Stock Power form, provide the proper description of the shares and indicate how the shares are to be reissued, including name, address and Employer Identification Number (EIN) or Social Security Number (SSN) for the new registration. If applicable, indicate how un-cashed checks are to be reissued.
• Your signature on the Stock Power form must be guaranteed in the Medallion format by an eligible guarantor institution (e.g., bank, broker, credit union, etc.) as described on the reverse side of the Stock Power form. The Medallion stamp must not be dated or notated in any manner. Your guarantor will require proof of your authority to act.
• A W-9 (PDF*) form or a W-8BEN (PDF*) form is required. A W-9 form is used to certify the Social Security Number (SSN) or Employer Identification Number (EIN) of a shareholder who is a United States citizen. Failure to certify the SSN or EIN may subject the holder to federal tax withholding of up to 31 percent. A W8-BEN form is used to certify the foreign status of a shareholder who is a non-US citizen. Failure to certify status may subject the holder to Non Resident Alien (NRA) tax withholding of up to 30 percent.
• If the shares are held in certificate form, you must submit the stock certificate(s) to complete the transfer. We recommend you use a traceable

To remove the custodian on your account if you are no longer a minor, Shareowner Services requires the following:

• A Stock Power (PDF*) form completed and signed by you exactly as your name appears on the account. If your name has changed, please sign as follows: (old name) now known as (new name). In the spaces provided on the Stock Power form, provide the proper description of the shares and indicate how the shares are to be reissued, including name, address and Employer Identification Number (EIN) or Social Security Number (SSN) for the new registration. If applicable, indicate how un-cashed checks are to be reissued.
• Your signature on the Stock Power form must be guaranteed in the Medallion format by an eligible guarantor institution (e.g., bank, broker, credit union, etc.) as described on the reverse side of the Stock Power form. The Medallion stamp must not be dated or notated in any manner. Your guarantor will require proof of your authority to act.
• A W-9 (PDF*) form or a W-8BEN (PDF*) form is required. A W-9 form is used to certify the Social Security Number (SSN) or Employer Identification Number (EIN) of a shareholder who is a United States citizen. Failure to certify the SSN or EIN may subject the holder to federal tax withholding of up to 31 percent. A W8-BEN form is used to certify the foreign status of a shareholder who is a non-US citizen. Failure to certify status may subject the holder to Non Resident Alien (NRA) tax withholding of up to 30 percent.
• If the shares are held in certificate form, you must submit the stock certificate(s) to complete the transfer. We recommend you use a traceable mail method and insure the package for 4% of the current market value of the shares. Our physical address for traceable mail delivery is:

EQ Shareowner Services
1110 Centre Pointe Curve, Suite 101
Mendota Heights MN 55120-4100

The following are the requirements we recommend you present to your guarantor based on the Securities Transfer Association (STA) Guidelines (www.stai.org). Please consult your guarantor institution for their specific requirements.

• A certified copy of your birth certificate.

Yes. To place your shares in a custodial registration for your children or grandchildren, Shareowner Services requires the following:

• A Stock Power (PDF*) form completed and signed by all registered owners, exactly as their name(s) appear on the account. In the spaces provided on the Stock Power form, provide the proper description of the shares and indicate how the shares are to be reissued. For a custodial registration, fill in the complete name and address of the custodian, the complete name and Employer Identification Number (EIN) or Social Security Number (SSN) of the minor, and the State under which provisions the shares will be subject to.
• The signature(s) on the Stock Power form must be guaranteed in the Medallion format by an eligible guarantor institution (e.g., bank, broker, credit union, etc.) as described on the reverse side of the Stock Power form. The Medallion stamp must not be dated or notated in any manner. Your guarantor will require proof of your authority to act.
• A W-9 (PDF*) form or a W-8BEN (PDF*) form is required. A W-9 form is used to certify the Social Security Number (SSN) or Employer Identification Number (EIN) of a shareholder who is a United States citizen. Failure to certify the SSN or EIN may subject the holder to federal tax withholding of up to 31 percent. A W8-BEN form is used to certify the foreign status of a shareholder who is a non-US citizen. Failure to certify status may subject the holder to Non Resident Alien (NRA) tax withholding of up to 30 percent.
• If the shares are held in certificate form, you must submit the stock certificate(s) to complete the transfer. We recommend you use a traceable mail method and insure the package for 4% of the current market value of the shares.

Registrations on securities do not allow for beneficiaries. However, if your state allows, you can change to a Transfer on Death registration. To complete the change to a Transfer on Death registration, Shareowner Services requires the following:

• A Stock Power (PDF*) form completed and signed by all registered owner(s) exactly as their name(s) appear on the account. In the spaces provided on the Stock Power form, provide the proper description of the shares and indicate how the shares are to be reissued, including registered owner's name, name of one TOD recipient, (e.g. John Doe TOD Jane Doe), address and Employer Identification Number (EIN) or Social Security Number (SSN) for the new registration. If applicable, indicate how un-cashed checks are to be reissued.
• The signature of the registered owner(s) on the Stock Power form must be guaranteed in the Medallion format by an eligible guarantor institution (e.g., bank, broker, credit union, etc.) as described on the reverse side of the Stock Power form. The Medallion stamp must not be dated or notated in any manner. Your guarantor will require proof of your authority to act.
• A W-9 (PDF*) form or a W-8BEN (PDF*) form is required. A W-9 form is used to certify the Social Security Number (SSN) or Employer Identification Number (EIN) of a shareholder who is a United States citizen. Failure to certify the SSN or EIN may subject the holder to federal tax withholding of up to 31 percent. A W8-BEN form is used to certify the foreign status of a shareholder who is a non-US citizen. Failure to certify status may subject the holder to Non Resident Alien (NRA) tax withholding of up to 30 percent.
• If the shares are held in certificate form, you must submit the stock certificate(s) to complete the transfer. We recommend you use a traceable mail method and insure the package for 4% of the current market value of the shares.

To complete the transfer, Shareowner Services requires the following:

• A Stock Power (PDF*) form completed and signed by you in your capacity as Attorney-in-fact. In the spaces provided on the Stock Power form, provide the proper description of the shares and indicate how the shares are to be reissued, including name, address and Employer Identification Number (EIN) or Social Security Number (SSN) for the new registration. If applicable, indicate how un-cashed checks are to be reissued.
• Your signature on the Stock Power form must be guaranteed in the Medallion format by an eligible guarantor institution (e.g., bank, broker, credit union, etc.) as described on the reverse side of the Stock Power form. The Medallion stamp must not be dated or notated in any manner. Your guarantor will require proof of your authority to act.
• A W-9 (PDF*) form or a W-8BEN (PDF*) form is required. A W-9 form is used to certify the Social Security Number (SSN) or Employer Identification Number (EIN) of a shareholder who is a United States citizen. Failure to certify the SSN or EIN may subject the holder to federal tax withholding of up to 31 percent. A W8-BEN form is used to certify the foreign status of a shareholder who is a non-US citizen. Failure to certify status may subject the holder to Non Resident Alien (NRA) tax withholding of up to 30 percent.
• If the shares are held in certificate form, you must submit the stock certificate(s) to complete the transfer. We recommend you use a traceable mail method and insure the package for 4% of the current market value of the shares.

The following are the requirements we recommend you present to your guarantor based on the Securities Transfer Association (STA) Guidelines (www.stai.org). Please consult your guarantor institution for their specific requirements.

• A copy of the Power of Attorney document authorizing you to sell, assign and transfer securities. If the securities are being transferred to your name, the Power of Attorney must authorize you in your capacity as Attorney in Fact to transfer securities to your own name.

To complete the transfer, Shareowner Services requires the following:

• A Stock Power (PDF*) form completed and signed by the executor, administrator or personal representative of the estate in their capacity. In the spaces provided on the Stock Power form, provide the proper description of the shares and indicate how the shares are to be reissued, including name, address and Employer Identification Number (EIN) or Social Security Number (SSN) for the new registration. If applicable, indicate how un-cashed checks are to be reissued.
• The signature of the executor, administrator or personal representative of the estate on the Stock Power form must be guaranteed in the Medallion format by an eligible guarantor institution (e.g., bank, broker, credit union, etc.) as described on the reverse side of the Stock Power form. The Medallion stamp must not be dated or notated in any manner. Your guarantor will require proof of your authority to act.
• A W-9 (PDF*) form or a W-8BEN (PDF*) form is required. A W-9 form is used to certify the Social Security Number (SSN) or Employer Identification Number (EIN) of a shareholder who is a United States citizen. Failure to certify the SSN or EIN may subject the holder to federal tax withholding of up to 31 percent. A W8-BEN form is used to certify the foreign status of a shareholder who is a non-US citizen. Failure to certify status may subject the holder to Non Resident Alien (NRA) tax withholding of up to 30 percent.
• If the shares are held in certificate form, you must submit the stock certificate(s) to complete the transfer. We recommend you use a traceable mail method and insure the package for 4% of the current market value of the shares.
• Either an Inheritance Tax Waiver Stamp within the signature section of the Stock Power form certifying no Inheritance Tax Waiver, or an Affidavit of Domicile (PDF*) completed, signed and notarized, is required. The Inheritance Tax Waiver Stamp may be obtained from the guarantor institution providing the Medallion signature guarantee. Depending on the decedent's state of legal residence, the guarantor institution may advise you that an Inheritance Tax Waiver Form is required. In this event, you can obtain an Inheritance Tax Wavier Form and instructions from the Department of Revenue or similar inheritance tax office in the state where the decedent was a resident.

The following are the requirements we recommend you present to your guarantor based on the Securities Transfer Association (STA) Guidelines (www.stai.org). Please consult your guarantor institution for their specific requirements.

If the estate is being probated:

• A court certified copy of the Letters of Appointment naming the executor, administrator or personal representative of the estate, dated within 60 days (six months in New York and one year in Connecticut).

If the estate was not probated, you may be able to claim the shares using a Small Estate Affidavit:

• A Small Estate Affidavit prepared in accordance with the provisions of Small Estate Requirements for the state where the decedent was a resident. We suggest you contact an attorney for assistance in completing the Affidavit.
• A certified copy of the death certificate.

To complete the transfer, Shareowner Services requires the following:

• A Stock Power (PDF*) form completed and signed by you exactly as your name appears on the stock. In the spaces provided on the Stock Power form, provide the proper description of the shares and indicate how the shares are to be reissued, including name, address and Employer Identification Number (EIN) or Social Security Number (SSN) for the new registration. If applicable, indicate how un-cashed checks are to be reissued.
• Your signature on the Stock Power form must be guaranteed in the Medallion format by an eligible guarantor institution (e.g., bank, broker, credit union, etc.) as described on the reverse side of the Stock Power form. The Medallion stamp must not be dated or notated in any manner. Your guarantor will require proof of your authority to act.
• A W-9 (PDF*) form or a W-8BEN (PDF*) form is required. A W-9 form is used to certify the Social Security Number (SSN) or Employer Identification Number (EIN) of a shareholder who is a United States citizen. Failure to certify the SSN or EIN may subject the holder to federal tax withholding of up to 31 percent. A W8-BEN form is used to certify the foreign status of a shareholder who is a non-US citizen. Failure to certify status may subject the holder to Non Resident Alien (NRA) tax withholding of up to 30 percent.
• If the shares are held in certificate form, you must submit the stock certificate(s) to complete the transfer. We recommend you use a traceable mail method and insure the package for 4% of the current market value of the shares.
• Either an Inheritance Tax Waiver Stamp within the signature section of the Stock Power form certifying no Inheritance Tax Waiver, or an Affidavit of Domicile (PDF*) completed, signed and notarized, is required. The Inheritance Tax Waiver Stamp may be obtained from the guarantor institution providing the Medallion signature guarantee. Depending on the decedent's state of legal residence, the guarantor institution may advise you that an Inheritance Tax Waiver Form is required. In this event, you can obtain an Inheritance Tax Wavier Form and instructions from the Department of Revenue or similar inheritance tax office in the state where the decedent was a resident.

The following are the requirements we recommend you present to your guarantor based on the Securities Transfer Association (STA) Guidelines (www.stai.org). Please consult your guarantor institution for their specific requirements.

• A certified copy of the death certificate.

Yes. To remove a deceased Trustee from the account, Shareowner Services requires the following:

• A Stock Power (PDF*) form completed and signed by the successor trustee(s) in their capacity. In the spaces provided on the Stock Power form, provide the proper description of the shares and indicate how the shares are to be reissued, including name, address and Employer Identification Number (EIN) or Social Security Number (SSN) for the new registration. If applicable, indicate how un-cashed checks are to be reissued.
• The signature(s) of the successor trustee(s) on the Stock Power form must be guaranteed in the Medallion format by an eligible guarantor institution (e.g., bank, broker, credit union, etc.) as described on the reverse side of the Stock Power form. The Medallion stamp must not be dated or notated in any manner. Your guarantor will require proof of your authority to act.
• A W-9 (PDF*) form or a W-8BEN (PDF*) form is required. A W-9 form is used to certify the Social Security Number (SSN) or Employer Identification Number (EIN) of a shareholder who is a United States citizen. Failure to certify the SSN or EIN may subject the holder to federal tax withholding of up to 31 percent. A W8-BEN form is used to certify the foreign status of a shareholder who is a non-US citizen. Failure to certify status may subject the holder to Non Resident Alien (NRA) tax withholding of up to 30 percent.
• If the shares are held in certificate form, you must submit the stock certificate(s) to complete the transfer. We recommend you use a traceable mail method and insure the package for 4% of the current market value of the shares.
• Either an Inheritance Tax Waiver Stamp within the signature section of the Stock Power form certifying no Inheritance Tax Waiver, or an Affidavit of Domicile (PDF*) completed, signed and notarized, is required. The Inheritance Tax Waiver Stamp may be obtained from the guarantor institution providing the Medallion signature guarantee. Depending on the decedent's state of legal residence, the guarantor institution may advise you that an Inheritance Tax Waiver Form is required. In this event, you can obtain an Inheritance Tax Wavier Form and instructions from the Department of Revenue or similar inheritance tax office in the state where the decedent was a resident.

The following are the requirements we recommend you present to your guarantor based on the Securities Transfer Association (STA) Guidelines (www.stai.org). Please consult your guarantor institution for their specific requirements.

• A certified copy of the death certificate.
• A copy of the Trust Agreement.

To divide or transfer shares due to a divorce, Shareowner Services requires the following:

• A Stock Power (PDF*) form completed and signed by both parties exactly as their names appear on the account. In the spaces provided on the Stock Power form, provide the proper description of the shares and indicate how the shares are to be reissued, including name(s), address and Employer Identification Number (EIN) or Social Security Number (SSN) for the new registration. If applicable, indicate how un-cashed checks are to be reissued.
• The signatures of both parties on the Stock Power form must be guaranteed in the Medallion format by an eligible guarantor institution (e.g., bank, broker, credit union, etc.) as described on the reverse side of the Stock Power form. The Medallion stamp must not be dated or notated in any manner. Your guarantor will require proof of your authority to act.
• A W-9 (PDF*) form or a W-8BEN (PDF*) form is required. A W-9 form is used to certify the Social Security Number (SSN) or Employer Identification Number (EIN) of a shareholder who is a United States citizen. Failure to certify the SSN or EIN may subject the holder to federal tax withholding of up to 31 percent. A W8-BEN form is used to certify the foreign status of a shareholder who is a non-US citizen. Failure to certify status may subject the holder to Non Resident Alien (NRA) tax withholding of up to 30 percent.
• If the shares are held in certificate form, you must submit the stock certificate(s) to complete the transfer. We recommend you use a traceable mail method and insure the package for 4% of the current market value of the shares.
• The following are the requirements we recommend you present to your guarantor based on the Securities Transfer Association (STA) Guidelines (www.stai.org). Please consult your guarantor institution for their specific requirements.
• A Court Order designating the transfer of the shares.

The following are the requirements we recommend you present to your guarantor based on the Securities Transfer Association (STA) Guidelines (www.stai.org). Please consult your guarantor institution for their specific requirements.

• A Court Order designating the transfer of the shares.

To change a corporate registration, Shareowner Services requires the following:

• A Stock Power (PDF*) form completed and signed by an authorized officer of the company in their capacity. In the spaces provided on the Stock Power form, provide the proper description of the shares and indicate how the shares are to be reissued, including name, address and Employer Identification Number (EIN) or Social Security Number (SSN) for the new registration. If applicable, indicate how un-cashed checks are to be reissued.
• The signature of the authorized officer on the Stock Power form must be guaranteed in the Medallion format by an eligible guarantor institution (e.g., bank, broker, credit union, etc.) as described on the reverse side of the Stock Power form. The Medallion stamp must not be dated or notated in any manner. Your guarantor will require proof of your authority to act.
• A W-9 (PDF*) form or a W-8BEN (PDF*) form is required. A W-9 form is used to certify the Social Security Number (SSN) or Employer Identification Number (EIN) of a shareholder who is a United States citizen. Failure to certify the SSN or EIN may subject the holder to federal tax withholding of up to 31 percent. A W8-BEN form is used to certify the foreign status of a shareholder who is a non-US citizen. Failure to certify status may subject the holder to Non Resident Alien (NRA) tax withholding of up to 30 percent.
• If the shares are held in certificate form, you must submit the stock certificate(s) to complete the transfer. We recommend you use a traceable mail method and insure the package for 4% of the current market value of the shares.

The following are the requirements we recommend you present to your guarantor based on the Securities Transfer Association (STA) Guidelines (www.stai.org). Please consult your guarantor institution for their specific requirements.

• A Corporate Secretary's certificate, dated within the past six months, containing an extract from the Corporation's by-laws or a copy of a resolution of the Corporation's Board of Directors identifying the person(s) signing on behalf of the Corporation as the authorized officer(s).

The certificate should state that the extract of the by-laws or copy of the resolution is true and complete and in full force and effect. The certificate should be signed by the Secretary or an Assistant Secretary (unless authority to transfer is given to the Secretary or Assistant Secretary, in which case another officer's signature must be provided). The certificate should have the corporate seal or state that no corporate seal exists; or have the Secretary's (or other signing officer's) signature notarized.

Send your transfer request to one of the below addresses. If the stock is held in certificate form, we suggest you use registered mail, insured for 4% of the current market value of the shares.

Mail

EQ Shareowner Services

PO Box 64874

St Paul, Minnesota 55164-0874

Overnight Mail

EQ Shareowner Services

1110 Centre Pointe Curve, Suite 101

Mendota Heights MN 55120-4100

If you are able to obtain a Medallion guarantee, it must be provided by an eligible guarantor institution (commercial bank, trust company, securities broker/dealer, credit union or savings association) participating in a Medallion program approved by the Securities Transfer Association Inc. and must cover the value of the transaction. If you are unable to obtain a Medallion guarantee, a Signature guarantee must be provided by a bank or financial institution having a United States bank correspondent relationship.

If you are signing on behalf of the registered owner, additional documentation may be required. Please contact us with questions.

eDelivery is available to shareholders of participating companies.

eDelivery allows you to retrieve your documents when you want. You may also print only the documents you need and save them to your computer. Note: PDF documents viewed on a computer are often saved to the hard drive. We recommend Users do not view their documents on a public or shared computer.

No, you will not need to re-consent. The documents will be delivered by the method you currently have consented to.

You can locate the companies that participate in eDelivery under My Account Settings. You will be able to consent to eDelivery for those participating companies for shares that are held on the records of Shareowner Services.

Yes, the elections can be made at any time; however, your elections may not be effective immediately.

The statements are generally available for viewing the same day they would be sent by mail.

When a new document or communication is available you will be notified via email. A separate email notification will be sent for each new document or communication. The documents will be provided online in an electronic version (PDF). To view your online documents you will need Adobe Acrobat Reader.

Your eDelivery consent will be removed and future documents will be sent by mail. Any documents you received while enrolled in eDelivery would still be available to you on Shareowner Online. If you would like to re-consent for eDelivery, you may do so at any time. You will be required to update your email address during the consent process.

Your PC may use a SPAM blocker not allowing you to receive the email. You would need to add our email address to your company’s allowed list or change to a personal email address.

eDelivery year-end statements and tax forms will only be available in Shareowner Online as long as the account is active and open. When an account balance is at zero shares and has no outstanding checks it is typically removed from Shareowner Online the following year. The length of time that shareholder communications will stay online will depend upon the situation but most will be online for approximately 30 days if the account is active and open.

You may be able to obtain transaction details by logging onto www.shareowneronline.com or by calling Shareowner Services at 1-800-401-1957 for additional options.

When your share balance is zero, and there are no outstanding checks, the account is generally removed the following year. Once the account is removed you no longer have access to the documents and communications by eDelivery.

Tax forms 1099DIV and 1099B are available by eDelivery. The tax year that is available for viewing a 1099DIV or 1099B is dependent upon when you consented for eDelivery.

The 1099DIV form is attached to the statement or dividend check. We are unable to remove the 1099DIV form from the statement or dividend check prior to mailing. Therefore, you will receive a hard copy of the 1099DIV. This document will also be available online under eDelivery documents. Reporting to the IRS occurs only once.

An adjustment or correction has been made to a transaction in your account, causing a corrected tax form to be issued.

If you were a registered holder on a dividend record date, EQ Shareowner Services would have paid you a dividend and that dividend would be reportable on a 1099DIV. That 1099DIV would reflect only the dividends paid to the registered holder prior to the transfer or sale. If you transferred your account during the year, you would receive a second 1099DIV for dividends paid under the new registration.

Unclaimed property (also known as abandoned property) refers to tangible and intangible property held by companies and financial institutions that has remained unclaimed due to no owner-generated activity or direct contact for a specific period of time. The abandonment period for each type of property is defined by each state’s Unclaimed Property Statutes.

Escheatment is the process of turning over the unclaimed (abandoned) property to the correct state, in turn making the state the legal owner of the property until claimed by the rightful owner.

Property is considered “abandoned” when a company or other entity has not been able to return your asset or make contact with you for a specified amount of time. The amount of time is determined by each state.

To prevent your accounts from becoming unclaimed or abandoned, keep accounts active by making a deposit or withdrawal of shares, cash all checks for dividends (dividend ACH payments are not considered contact), update your address, or contact the issuing company or the transfer agent at least once every three years about your shares.

Several states require direct shareholder contact to prevent escheatment. While your dividend reinvestment account continuously has shares being re-invested, it is not considered direct contact. Your account may have a valid address and be in good standing, but if there has been no owner generated activity or contact with EQ Shareowner Services (the transfer agent) during the specified dormancy period governed by the state, then the dividend reinvestment account may be considered inactive or abandoned and will then be escheated.

To check for escheated property, whether escheated by EQ or any other company, please visit unclaimed.org or missingmoney.com to begin your search.

If you have had any property escheated to a state, you will need to contact the state your property was turned over to. If you find property and need to make a claim with a state, follow the instructions provided by each state.

Click here to view the list of countries: www.shareowneronline.com/countriesFAQ