Computershare DirectStock A Direct Stock P urchase and Dividend Reinvestment Plan This plan is sponsored and administered by Computershare T rust Compan y , N A ., not by any appointing issue r Computershare provides no advice and makes no recommendations with respect to any security that is eligible for the Computershare DirectStock or any purchase or sale transaction initiated by a participant through the Computershare DirectStock | CER T AINTY | INGENUITY | A D V AN T A GE | P rivacy Notice A t Computershare , w e tak e privac y seriousl y I n the cours e o f providin g service s t o yo u i n connection wit h employe e stoc k purchas e plans , dividend reinvestmen t plans , direc t stoc k purchas e plans, direc t registratio n service s and/o r custod y services, w e receiv e nonpublic , persona l informatio n about you W e receiv e thi s informatio n through transaction s w e perfor m fo r you , fro m enrollment forms , automati c debi t forms , an d throug h other communication s wit h yo u i n writin g , electronicall y , an d b y telephone W e ma y als o receiv e information abou t yo u b y virtu e o f you r transactio n wit h affiliates o f Computershar e o r othe r parties Thi s information ma y includ e you r name , addres s (residentia l and mailing) , socia l securit y numbe r , ban k account information , stoc k ownershi p information , dat e of birth , governmen t - issue d identificatio n numbe r , and othe r financia l information. Wit h respec t bot h t o curren t an d forme r customers, Computershar e doe s no t shar e nonpubli c personal informatio n wit h an y non - affiliate d third - part y except a s necessar y t o proces s a transaction , servic e your accoun t o r a s require d o r permitte d b y la w Our affiliate s an d outsid e servic e provider s wit h whom w e shar e informatio n ar e legall y boun d no t to disclos e th e informatio n i n an y manne r , unless require d o r permitte d b y la w o r othe r governmental process W e striv e t o restric t acces s t o you r personal informatio n t o thos e employee s wh o nee d t o know th e informatio n t o provid e ou r service s t o you. Computershar e maintain s physical , electroni c and procedura l safeguard s t o protec t you r personal information. Computershar e realize s tha t yo u entrus t u s with confidentia l persona l an d financia l informatio n and w e tak e tha t trus t ver y seriousl y 1 Computershar e DirectStock Computershar e DirectStock (“ DirectStock ” ) i s a direc t stoc k purchase an d dividen d reinvestmen t pla n tha t provide s an alternativ e t o traditiona l method s o f buyin g , holding an d sellin g share s i n th e issue r yo u hav e selected. Belo w ar e th e T erm s an d Condition s applicabl e to you r participatio n i n DirectStock an d al l transactions under DirectStock. Electronic Only Plan : DirectStock i s a completel y online electroni c plan Thi s mean s al l transaction s mus t be don e onlin e (throug h Computershare’ s Investor Cente r a s describe d below ) an d al l required communication s wit h yo u wil l b e provided electronicall y Pleas e se e Sectio n 4 o f th e T erm s and Condition s fo r DirectStock specifi c requirement s an d your consen t t o receiv e electroni c communications. Computershare’s Investor Center : A s note d above, afte r you r initia l purchase , yo u wil l b e require d to registe r a t Investo r Cente r i n orde r t o participat e i n DirectStock Thi s ca n b e don e directl y at ww w .computershare.com/investo r Al l transaction s in DirectStock mus t b e don e throug h Investo r Cente r Any attempt s t o conduc t transaction s outsid e Investor Cente r ma y , i n Computershare’ s sol e discretion , be rejected Pleas e not e tha t Investo r Cente r ha s it s own term s an d condition s t o whic h yo u mus t agre e upon registration. T erm s an d Conditions 1 Appointment Computershar e T rus t Compan y , N A (“Computershare”) , a s agen t fo r an y participan t in th e Computershar e DirectStock (“ P articipan t ”) , wil l in accordanc e wit h eac h P articipan t ’ s instruction an d thes e T erm s an d Conditions: (a ) accep t certificate d o r DR S share s an d credit the m t o th e P articipan t ’ s accoun t i n boo k - entr y form; (b ) appl y fund s receive d fro m a n eligible P articipan t fo r th e purchas e o f whol e and fractiona l share s o f stoc k fo r th e P a rticipan t ’s account; (c ) reinves t al l dividend s payabl e t o the P articipan t t o purchas e additiona l whole and/o r fractiona l shares ; and (d ) sel l share s o n behal f o f th e P a rticipant. Al l P articipan t instruction s unde r thes e T erm s and Condition s includ e an y necessar y instructio n to Computershare’ s servic e agent s includin g its affiliates. 2 Computershar e wil l hol d (includin g i n th e name o f it s nominee) , al l share s o f stoc k purchase d or deposite d fo r P articipant s an d wil l establis h and maintai n DirectStock accoun t record s tha t reflec t each P articipan t ’ s separat e interest. 2 Purchases P articipant s ma y initiat e optiona l cas h purchases (i n U S dollar s draw n agains t a U S bank ) fo r the desire d purchas e amoun t onlin e at ww w .computershare.com/investo r (hereinafter “online ” shal l mea n a t Computershare’ s Investor Cente r websit e locate d a t thi s URL ) by establishin g a n authorize d electroni c funds transfe r fro m a checkin g o r saving s accoun t o r by othe r method s offere d onlin e b y Computershare. Computershar e wil l no t accep t cash , money orders , o r an y checks , includin g travele r ’ s checks o r third - part y checks Computershar e will , upon receipt , deposi t suc h fund s i n a n account maintaine d b y i t (o r it s affiliates ) a s agen t fo r the benefi t o f P articipants Computershare will wait u p to three business days after the debit date of electronic funds transfer to ensure it receives good funds and wil l then seek t o purchas e share s fro m optiona l cash investment s promptl y , generall y withi n five busines s da y s afte r th e good fund s ar e received, assumin g th e relevan t market s ar e ope n and sufficien t marke t liquidit y exist s (an d except wher e deferra l i s require d unde r applicable federa l o r stat e law s o r regulations). No interest will be paid on funds held by Computershare pending purchase of shares. Y o u shoul d no t purchas e share s throug h DirectStock if yo u wan t complet e contro l ove r th e timin g o r the purchas e price Th e timin g o f an y purchase s is dependen t o n marke t conditions a nd ma y be affecte d b y marke t event s o r externa l causes In th e even t o f a tradin g halt , Computershare’s broke r wil l plac e purchas e order s fo r execution o n th e firs t availabl e da y afte r th e tradin g hal t is lifted. Computershar e wil l reinves t dividend s promptly followin g receip t thereo f fro m th e applicable compan y (“Compan y ”) , assumin g th e relevant market s ar e ope n an d sufficien t marke t liquidity exist s (an d excep t wher e deferra l i s required unde r applicabl e federa l o r stat e law s or regulations). F o r th e purpos e o f makin g purchase s o n behalf o f P articipants , Computershar e ma y combine P articipan t purchas e request s wit h other purchas e request s receive d fro m other P articipant s an d ma y submi t th e combined purchas e reques t i n batch to 3 Computershare’s broke r a s a singl e purchas e orde r P urchase request s ma y b e combined , a t C omputershare’s discretion , accordin g t o on e o r mor e factor s such as purchase type (e.g, dividend investment, on e - tim e A C H , etc. ) o r reques t date. Computershar e wil l submi t batch purchas e orders t o it s broke r a s an d whe n require d unde r the term s o f DirectStock Computershare’ s broke r may execut e eac h batch purchas e orde r i n on e o r more transaction s ove r on e o r mor e days , depending o n marke t conditions Eac h P articipan t whose purchas e reques t i s include d i n eac h batch purchas e orde r wil l receiv e th e weighte d average pric e o f al l share s purchase d b y Computershare’s broke r fo r suc h orde r o n suc h trad e dat e or dates Dependin g o n th e numbe r o f share s being purchase d an d curren t tradin g volum e i n the shares , a purchas e orde r fo r an y on e o r more batche s ma y onl y b e partiall y fille d o r no t fille d at al l o n th e tradin g da y i n whic h i t i s placed , in whic h cas e th e batc h orde r , o r remainde r o f the batc h orde r , a s applicable , wil l b e cancelle d a t the en d o f thirt y (30 ) days I f th e batc h orde r i n which you r purchas e reques t wa s include d i s only partiall y filled , th e amoun t o f share s yo u will receiv e wil l b e prorate d base d o n th e amoun t of fund s yo u contribute d ou t o f th e tota l funds contribute d fo r th e batc h orde r Y o u wil l stil l be charge d th e on e - tim e processin g fe e fo r your purchas e request , i f you r orde r i s partiall y filled. Y o u wil l onl y b e charge d th e pe r shar e fe e fo r the actua l numbe r o f share s purchased An y funds no t use d t o purchas e share s wil l b e returne d to yo u b y check Computershar e wil l no t be responsibl e fo r an y fee s yo u ma y incu r relate d to th e returne d payment N o interes t wil l b e pai d on fund s hel d b y Computershar e pendin g purchase o f shares. Onc e yo u plac e a non - recurrin g optiona l cash purchas e request , i t canno t b e stoppe d or cancelle d b y you. I f P articipan t ’ s paymen t o f fund s i s returne d or rejecte d fo r an y reason , Computershar e will conside r th e reques t fo r investmen t o f such fund s nul l an d void Computershar e will immediatel y remov e fro m th e P articipan t ’ s DirectStock account those shares, if any, purchase d upo n the prio r credi t o f suc h fund s an d wil l immediately sell such shares. C omputershar e als o wil l sel l any additiona l share s fro m th e P articipant ' s DirectStock accoun t a s necessar y t o cove r an y costs , losses, o r fees I f ther e ar e insufficien t share s t o cover th e amoun t o f an y costs , losses , o r fees, 4 Computershar e ma y obtai n suc h amoun t via whateve r paymen t metho d yo u use d t o make suc h purchase. 3 Sales A P articipan t ma y sel l al l o r a portio n o f the share s credite d t o hi s o r he r DirectStock accoun t a t any tim e b y submittin g a reques t t o Computershare online Method s describe d belo w ma y no t al l be availabl e a t th e tim e o f you r transaction A t the tim e o f sale , availabl e method s shal l b e displayed onlin e Marke t orde r sal e request s (request s to sell share s promptl y a t th e curren t marke t price) receive d b y Computershar e durin g marke t hours (normall y 9:3 0 a.m t o 4:0 0 p.m Easter n Time) wil l b e submitte d promptl y t o Computershare’s broke r An y order s receive d outsid e o f market hour s wil l b e submitte d t o Computershare’s broke r o n th e nex t da y th e marke t i s open Sales proceed s wil l equa l th e marke t pric e o f th e sale obtaine d b y Computershare’ s broke r , ne t o f taxes an d fees Computershar e wil l us e commercially reasonabl e effort s t o hono r request s by P articipant s t o cance l marke t order s placed outsid e o f marke t hours Dependin g o n the numbe r o f share s bein g sol d an d curren t trading volum e i n th e shares , a marke t orde r ma y only b e partiall y fille d o r no t fille d a t al l o n th e trading da y i n whic h i t i s placed , i n whic h cas e th e orde r , o r remainde r o f th e orde r , a s applicable , wil l be cance l le d a t th e en d o f suc h da y T o determin e if you r share s wer e sold , yo u shoul d chec k your accoun t onlin e. I f you r marke t orde r sal e wa s not fille d an d yo u stil l wan t th e share s sold , yo u will nee d t o r e - ente r th e sal e request. A da y limi t orde r (a n orde r t o sel l share s when an d i f th e stoc k reache s a specifi c pric e o n a specifi c day ) i s automaticall y cancelle d i f th e price i s no t me t b y th e en d o f tha t tradin g da y (o r , for order s place d outsid e o f marke t hours , th e next tradin g day) Dependin g o n th e numbe r of share s bein g sol d an d curren t tradin g volum e in th e shares , suc h a n orde r ma y onl y b e partially filled , i n whic h cas e th e remainde r o f th e order wil l b e cancelled Th e orde r ma y b e cancelle d by th e applicabl e stoc k exchange , by Computershar e a t it s sol e discretio n o r , if Computershare’ s broke r ha s no t fille d th e orde r , a t a P articipan t ’ s reques t mad e online. F o r a good - til - cancelle d ( G T C ) limi t orde r (an orde r t o sel l share s whe n an d i f th e stoc k reaches a specifi c pric e a t an y tim e whil e th e order remain s ope n (generall y u p t o 3 0 days), dependin g 5 o n th e numbe r o f share s bein g sold an d curren t tradin g volum e i n th e shares , sales ma y b e execute d i n multipl e transaction s and ove r mor e tha n on e da y I f share s trad e o n more tha n on e da y , a separat e fe e wil l b e charge d for eac h da y Th e orde r (o r an y unexecute d portion thereof) i s automaticall y cancelle d i f th e pric e is no t me t b y th e en d o f th e orde r period The orde r ma y b e cancelle d b y th e applicabl e stock exchange , b y Computershar e a t it s sole discretio n o r , i f Computershare’ s broke r ha s not fille d th e orde r , a t a P articipan t ’ s reques t made online. F o r any orders not designated as one of the order types set forth above, Computershare may, in its sole discretion, treat such order as a market order or batc h order (a n accumulatio n o f sales request s fo r a securit y submitte d togethe r a s an aggregate d request ) . Batch order sal e s wil l be processe d n o late r tha n fiv e busines s day s after th e dat e o n whic h th e orde r i s receive d by Computershare , assumin g th e relevan t markets ar e ope n an d sufficien t marke t liquidit y exists (an d excep t wher e deferra l i s require d under applicabl e federa l o r stat e law s o r regulations). Sale s proceed s wil l equa l th e weighte d average sal e pric e obtaine d b y Computershare’ s broker for all shares sold in such batch on the applicable trade date or dates, net of taxes and fees. Any such orders received by Computershare are final and cannot be stopped or cancelled. For an additional fee, a participant may choose additional proceeds delivery option which may be available. These include electronic funds transfer and foreign currency disbursement (subject to additional terms and conditions). 4. Consen t t o Electroni c Delivery 4. 1 B y becomin g a P articipan t i n DirectStock yo u agree fo r a s lon g a s yo u continu e a s a P articipan t and hol d share s throug h DirectStock , t o receiv e the communication s liste d belo w electronically onlin e (o r t o receiv e a n emai l notificatio n that onlin e document s o r communication s are available ) a t th e e - mai l addres s yo u provid e at registration/enrollment: (a ) Compan y annua l meetin g notices , proxy statements , prox y card s an d annua l reports; (b ) Compan y financia l information , including interi m financia l statement s o r periodi c reports; (c ) Statement s o f accoun t activity; 6 (d ) T a x form s generate d i n connectio n wit h your account; (e ) Compan y announcement s suc h a s press release s an d marketin g materials ; and (f ) An y an d al l Computershar e notifications require d o r permitte d t o b e sen t unde r these term s an d conditions. 4. 2 Computershar e wil l le t yo u kno w when document s ar e availabl e onlin e b y emailin g yo u a notic e tha t include s instruction s fo r retrievin g the document s electronicall y I n som e cases , the Form of Proxy may not be availabl e electronicall y , an d Computershar e wil l sen d yo u a pape r F orm of Proxy by U.S. mail, alon g wit h instruction s for ho w t o retriev e th e Annua l Report , Notic e of Meetin g an d P rox y Statemen t electronicall y 4. 3 T o access , download , prin t and/o r sav e the onlin e documents , yo u wil l nee d a personal compute r o r othe r devic e wit h a W3 C - compliant we b browse r (o r suc h othe r browser s supported b y Computershar e se t fort h at ww w .computershare.com) , acces s t o th e Internet, emai l an d a printe r T o vie w documents , yo u will nee d Adobe ® Reader® F o r P articipant s without Adob e Reade r , click here t o obtai n a free downloa d o f thi s program Y o u agre e tha t i t is you r responsibilit y t o acces s an d revie w the documents Unde r n o circumstance s will Computershar e b e liabl e fo r an y damage s o f any kin d tha t resul t fro m th e us e o f , o r inabilit y t o use, th e electroni c deliver y service s se t fort h i n these term s an d conditions B y enrollin g i n DirectStock and agreein g t o receiv e document s electronicall y , you acknowledg e tha t yo u ma y incu r lin e o r usage charge s fro m you r Interne t Servic e P r ovide r 4. 4 Document s wil l b e availabl e a t th e lin k or websit e addres s provided an d wil l remai n there unti l archived Document s ar e generall y available unti l a t leas t th e sam e reportin g perio d the followin g yea r T a x form s availabl e electronically wil l remai n availabl e unti l a t leas t Octobe r 1 5 of th e yea r followin g th e yea r liste d o n th e tax forms. 4. 5 B y enrollin g i n DirectStock an d consentin g t o receive document s electronicall y , yo u ar e confirmin g that yo u hav e acces s t o emai l an d agre e t o notif y u s if yo u n o longe r hav e acces s o r i f you r e - mail addres s changes. 7 4. 6 Thi s consen t t o electroni c deliver y applie s to al l o f you r DirectStock holding s wit h Computershar e. Y o u ma y determin e th e other holding s to whic h thi s consen t shal l appl y b y loggin g into you r accoun t online. You may manage all other electronic delivery preferences online at www.computershare.com/investor Computershar e reserve s th e righ t t o send document s fro m tim e t o tim e b y mai l (i n paper form). 4. 7 Y ou r consen t t o receiv e documents electronicall y throug h you r enrollmen t i n DirectStock will remai n i n effec t unti l yo u hav e revoke d such consent T o unsubscrib e o r revok e you r consent fo r electroni c deliver y , lo g i n onlin e an d update you r communication s preferences I f yo u no longe r hav e Interne t access , yo u ma y revoke you r consen t b y writin g t o u s a t th e addres s on page 1 4 I f yo u revo k e you r consent t o electronic deliver y fo r you r DirectStock account , yo u ca n no longe r participat e i n th e pla n an d you r DirectStock accoun t ma y b e terminated I f Computershare receive s a rejec t notic e fro m you r electronic deliver y method , i t reserve s th e righ t t o terminate you r DirectStock account Upo n terminatio n o f you r DirectStock account , an y fractiona l share s wil l b e sold (subjec t t o applicabl e sale s fee s an d term s set fort h i n Sectio n 6 ) an d an y whol e share s wil l be move d t o a DR S position An y futur e dividends tha t migh t b e declare d o n th e share s wil l b e paid i n cash. 5 Purchas e an d Sal e T ransactions Computershar e wil l caus e it s broke r t o effect purchase s an d sale s o n an y securitie s exchange wher e suc h share s ar e traded , i n th e ove r - th e - counte r marke t o r b y negotiate d transactions, upo n suc h term s wit h respec t t o price , deliver y , etc. , a s Computershar e ma y accept. In no event shall the a ppointing issuer, Computershare or their agents have any liability as to any inability to purchase shares or as to the timing of any purchase. N o P articipan t shal l hav e an y authorit y o r power t o direc t th e numbe r o f share s purchase d o r the tim e o r pric e a t whic h share s ma y b e purchased o r sol d (excep t fo r price s specifie d fo r da y limit order s o r G T C limi t orders) , o r t o selec t the broke r o r deale r throug h o r fro m whom purchase s o r sale s ar e t o b e mad e by Computershare Neithe r th e purchas e pric e nor 8 th e sal e pric e i s determine d unti l th e broker complete s th e trade Al l transaction s ar e subject t o marke t conditions Unde r n o even t shall Computershar e b e responsibl e fo r system outage s o r broke r failures Share s ma y trad e over mor e tha n on e da y dependin g o n shar e volume an d marke t liquidit y F o r processin g purchas e an d sal e instructions fro m a P articipant , Computershar e wil l charge transactio n an d processin g fee s i n accordance wit h th e fe e schedul e o r i n subsequen t notice s of fe e change s tha t Computershar e provide s to P articipants F ee s ar e subjec t t o chang e a t any time , i n accordanc e wit h th e T erm s and Conditions , upo n electroni c notificatio n to P articipants Computershar e ma y receive additiona l compensatio n i n connectio n wit h the administratio n o f DirectStock 6. T ermination A P articipant may terminate from DirectStock online. T ermination will be automatic upon a P a rticipant selling or transferring all shares in the P articipan t ’s DirectStock account. Upon termination from DirectStock , any uninvested contributions will be returned promptly to the P a rticipant. I f Computershar e receive s th e P articipan t ’ s notice o f terminatio n nea r a dividen d recor d date, Computershare , i n it s sol e discretion , ma y either distribut e suc h dividend s i n cas h o r reinves t them i n share s o n behal f o f th e terminatin g P a rticipant. I f suc h dividend s ar e reinvested , Computershare wil l proces s th e terminatio n a s soo n as practicable , bu t i n n o even t late r tha n five busines s day s afte r th e reinvestmen t is completed. Computershar e ma y , fo r an y reaso n an d i n its sol e discretion , terminat e an y P a rticipan t ’s participatio n i n DirectStock , effectiv e immediatel y upon electroni c notificatio n t o th e P articipan t ’ s e - mail addres s a s maintaine d i n Computershare’ s files o r , i f suc h e - mai l addres s i s invalid , vi a U S P o st Offic e o r courie r servic e t o th e P articipan t a t the P articipan t ’ s addres s o f record Upo n issuin g a notic e o f termination , Computershar e will promptl y refun d an y fund s contribute d b y such P articipan t an d hel d b y Computershar e pending purchas e o f shares Computershar e wil l sel l any fractiona l share s (subjec t t o th e fee s se t fort h in th e fe e schedul e an d term s se t fort h i n th e next paragraph ) an d issu e an y whol e share s int o a DR S boo k entr y position. 9 I n addition , i f a P articipan t ’ s accoun t hold s onl y a fractiona l share, Computershar e ma y , i n its discretio n an d withou t notic e t o th e P a rticipant, terminat e th e P articipan t ’ s participatio n i n DirectStock and sel l an y fractiona l shar e a s a batc h orde r sale, subjec t t o th e fee s se t fort h i n th e fe e schedule If th e sale s proceed s excee d applicabl e fee s and tax withholdings, Computershar e wil l mai l a chec k i n th e amoun t o f suc h exces s t o the P articipan t a t th e P articipan t ’ s addres s o f record. 7 Agen t ’ s Discretion Computershar e ma y , fo r variou s reasons , require a transactio n reques t t o b e submitte d i n writin g If unabl e t o complet e a specifi c transaction, P articipant s shoul d contac t Computershar e to determin e i f thei r particula r reques t mus t be submitte d i n writin g 8 T a x Consequences Althoug h Computershar e wil l reinves t dividends o n DirectStock shares , th e P articipan t remain s solely responsibl e fo r an y incom e taxe s payabl e on suc h dividends. Computershar e wil l sen d a F or m 1099 - DI V (for P articipant s wh o ar e U S persons ) o r a F orm 1042 - S (for Participants who are non - U.S. persons) to the Participants and the U.S. Internal Revenue Service (IRS) after the end of year, reporting any dividend income the Participants received during the year. I f a P articipan t wh o i s a U S perso n sell s shares throug h DirectStock , Computershar e wil l sen d a F orm 1099 - B to the Participants and the IRS showin g th e tota l proceed s of th e transactions. IR S regulation s requir e P articipant s t o hav e a vali d an d effectiv e ta x certificatio n for m o n fil e in orde r t o avoi d th e applicatio n o f U S withholding taxe s a t th e then - effectiv e rat e t o payment s of dividend s (includin g reinveste d dividends ) and/or sale s proceeds F o r U S persons , th e F or m W - 9 is required F o r non - U S persons , th e F or m W - 8BE N i s required An y taxe s withhel d fo r th e year wil l b e show n o n th e ta x informatio n forms furnishe d b y Computershar e t o P a rticipants pursuan t t o rule s o f th e IRS Th e ta x consequence s o f participatin g i n DirectStock can var y dependin g o n eac h P articipan t ’ s tax situation Accordingl y , eac h P articipan t is responsibl e fo r determinin g th e ta x effec t o f DirectStock participatio n an d shoul d consul t wit h hi s o r her ta x 10 adviso r wit h respec t t o curren t an d proposed federal , state , local , foreig n an d othe r ta x laws. Othe r Information 9 V oting A P articipan t wil l hav e th e sol e righ t t o vote share s hel d throug h DirectStock 10 Corporat e Actions An y share s issue d pursuan t t o a stoc k dividend or stock split o n share s hel d i n a P articipan t ’ s DirectStock accoun t o r share s registere d i n th e nam e o f the P articipan t wil l b e credite d t o th e P articipan t ’ s DirectStock account , provide d tha t suc h share s ar e o f the sam e type , clas s an d serie s a s th e share s held unde r DirectStock P rocessin g o f purchases , sale s and transfer s ma y b e temporaril y suspende d during suc h distribution s o r othe r corporat e actions If th e Compan y make s availabl e t o it s shareholders an y right s t o subscrib e t o additiona l shares, debenture s o r othe r securities , th e numbe r of right s t o b e issue d t o a P articipan t shal l b e based o n th e numbe r o f whol e share s hel d fo r a P articipan t unde r DirectStock an d th e numbe r o f whole share s o f th e sam e clas s o f stoc k otherwise registere d i n th e nam e o f th e P articipant , unless otherwis e instructe d b y th e Compan y 11 Limitation s o f Liabilit y an d Forc e Majeure Computershar e shal l no t b e liabl e fo r an y action take n o r omitte d t o b e take n i n connectio n with DirectStock o r th e service s provide d herein , excep t that Computershar e shal l b e liabl e fo r losse s incurred a s a direc t resul t o f Computershare’ s willful misconduct I n particula r , bu t withou t limitation, Computershar e shal l no t b e responsibl e fo r any losse s (1 ) arisin g ou t o f failur e t o terminat e a P articipan t ’ s participatio n i n DirectStock upo n the P articipan t ’ s deat h prio r t o Computershare’s receip t o f writte n notic e o f deat h fro m an appropriat e representative , an d (2 ) wit h respect t o th e price s o r time s a t whic h share s are purchase d o r sol d fo r an y P articipan t ’ s account. Unde r n o circumstance s shal l Computershar e be liabl e fo r an y special , indirect , incidental , punitive o r consequentia l los s o r damag e o f an y kind whatsoeve r (includin g , bu t no t limite d to , lost profits) , eve n i f Computershar e ha s bee n advised o f th e possibilit y o f suc h los s o r damage Except a s otherwis e state d herein , th e parties acknowledg e that , i n ligh t o f th e unique characteristic s o f eac h instanc e i n whic h services ar e t o b e performed , Computershar e make s no representatio n tha t an y o f th e service s shal l be performe d a t an y se t tim e o r unde r an y deadline, an d Computershar e shal l no t b e liabl e fo r any 11 chang e i n th e marke t valu e o f an y securit y a t any time Computershar e shal l no t b e liabl e fo r any los s o r damag e resultin g fro m it s inabilit y to compl y wit h thes e T erm s an d Condition s by reaso n o f event s beyon d it s reasonabl e control, includin g , bu t no t limite d to , act s o f wa r , terrorism , riots , civi l emergencies , pandemics, act s o f Go d or nature , loca l o r regiona l electrica l or communication s syste m breakdowns , o r act s of civi l o r militar y authorit y 12. Amendment, Modification, and T ermination Computershare reserves the right to amend or modify the provisions of DirectStock (including fees) at any time, by notifying the P articipants of such amendment or modification (including in a notice delivered with Company communications to shareholders). Computershare may also suspend or terminate DirectStock without notice at any time, as it deems necessary or advisable. In addition, Computershare reserves the right to interpret and regulate DirectStock as it deems necessary or desirable in connection with the operation of DirectStock 13 Bro k e r Dealer Computershar e ma y , i n it s sol e discretion , us e a broke r - deale r tha t i s affiliate d o r unaffiliate d with Computershar e t o execut e purchas e o r sale transactions I n suc h event , th e P a rticipant acknowledge s tha t compensatio n pai d in connectio n wit h thos e transaction s wil l accru e to th e sol e benefi t o f Computershar e o r it s service providers Unde r n o circumstance s shall Computershar e b e responsibl e fo r an y action take n o r omitte d t o b e take n b y suc h affiliate d or unaffiliate d broke r - deale r 14 Investmen t Risk Computershar e provide s n o advic e an d makes n o recommendation s wit h respec t t o an y security tha t i s eligibl e fo r DirectStock o r an y purchas e o r sale transactio n initiate d b y a P articipant Securities are subjected to investment risk includin g the possibl e los s o f th e principa l invested Any decisio n t o purchas e o r sel l an y securit y tha t is eligibl e fo r DirectStock participatio n mus t b e mad e by th e individua l P articipan t base d upo n hi s o r her ow n researc h an d judgment. 12 15 Insurance DirectStock accounts , th e securitie s hel d therei n an d any cas h temporaril y hel d o n behal f o f a P a rticipant ar e no t deposit s o f Computershar e an d ar e not insure d b y th e Securitie s Investo r P r otection Corporatio n , F edera l Deposi t Insurance Corporatio n , o r an y othe r federa l o r state agenc y 16 Governin g La w an d Consen t t o Jurisdiction Thes e T erm s an d Condition s and Computershare’ s dutie s an d responsibilities hereunde r shal l b e governe d b y th e law s o f the Stat e o f Ne w Y or k (withou t regar d t o th e conflict o f la w principles) B y enrollin g i n DirectStock , each P articipan t (a ) consent s t o th e jurisdictio n of court s i n Ne w Jerse y , Ne w Y or k and Massachusett s (whethe r stat e o r federal ) ove r all matter s relatin g t o DirectStock o r th e service s provided b y Computershar e an d (b ) waive s it s righ t t o trial b y jur y Enrollin g i n DirectStock and/o r th e initiation o f a transaction , includin g a reques t t o move boo k - entr y o r certificate d share s int o DirectStock shall constitut e a n offe r b y th e individua l shareholder t o establis h a principal - agenc y relationshi p with Computershare Acceptanc e shal l occu r i n the office s o f Computershar e upo n receip t by Computershar e o f suc h enrollment , documents o r requests. 17 Institutiona l Investors DirectStock i s no t designe d fo r an d ma y no t b e use d by institutiona l investor s o r financia l intermediaries. 18 Statemen t o f Ownership Computershar e wil l confir m eac h trad e fo r the P articipan t ’ s DirectStock accoun t an d eac h shar e deposit o r shar e transfe r promptl y afte r th e account activit y occurs Th e statemen t wil l sho w the numbe r o f share s hel d b y th e P articipant , the numbe r o f share s fo r whic h dividend s ar e being reinvested , an y cas h receive d fo r purchas e of shares , th e pric e pe r shar e fo r an y purchase s or sales , an y applicabl e fee s fo r eac h transaction and , i f available , th e tim e o f sale I f th e only activit y i n a P articipan t ’ s accoun t i s the reinvestmen t o f dividend s o r regularl y scheduled automati c purchases , thi s activit y wil l be confirme d i n a statemen t o n a n annua l basis; provided , howeve r , yo u hav e th e righ t t o request a statemen t b e provide d t o yo u electronicall y at an y tim e a t n o charge Y o u wil l b e notified electronicall y o f th e availabilit y o f al l statements an d advices Y o u ma y als o revie w al l account transaction s onlin e an d sav e 13 statement s int o pdf forma t a t n o cost I f yo u reques t a paper statement , you r reques t wil l b e treate d a s a reques t t o revok e consen t t o electroni c delivery a s provide d i n Sectio n 4.7 an d ma y resul t in terminatio n o f you r participatio n i n DirectStock Account Statement s ar e a P articipan t ’ s continuin g record o f th e cos t basi s o f hi s o r he r purchase s and shoul d b e retaine d fo r incom e ta x purposes A servic e fe e ma y appl y fo r copie s o f statements coverin g an y perio d i n a prio r calenda r yea r P articipant s wil l receiv e copie s o f al l shareholder communication s require d t o b e sen t t o every holde r o f recor d o f shares. 19 Eligibility L aw s ma y preven t resident s o f certai n countries fro m participatin g i n DirectStock Affiliate s o f the Compan y , a s define d unde r th e Securitie s Ac t of 1933, a s amended , an d th e rule s thereunde r , are no t eligibl e t o participat e i n DirectStock P articipant s are responsibl e fo r determinin g thei r eligibilit y under suc h law s an d unde r an y specia l rule s covering employee s o f th e Compan y wh o als o are P articipants Onl y individual , joint , an d custodial account s ar e eligibl e t o enrol l i n DirectStock online. Computershar e reserve s th e righ t t o decline participatio n i n DirectStock b y othe r registration types. 20 Enforceability Th e partie s agre e tha t eac h provisio n herei n shall b e treate d a s a separat e an d independen t clause, an d th e unenforceabilit y o f an y on e claus e shall no t impai r th e enforceabilit y o f an y othe r clause herein I n addition , i f an y provisio n contained herei n shal l fo r an y reaso n b e hel d t o be unenforceabl e du e t o excessiv e breadth , scope, activit y , subjec t o r otherwise , a suitabl e and equitabl e provisio n wil l b e substitute d fo r that provisio n i n orde r t o carr y out , s o fa r a s ma y be vali d an d enforceable , th e inten t an d purpose s of th e invali d an d unenforceabl e provision. 14 Ho w t o contac t Computershare Online: ww w .computershare.com/investor W rite: Computershar e DirectStock c/ o Computershar e Investo r Services P O Box 505000 L ouisville, K Y 40233 - 5000 B e sur e t o includ e you r name , address , account numbe r , compan y nam e (bot h a s show n o n your statement ) an d daytim e phon e numbe r o n all correspondence. F ee Schedule and Listing of Minimum/Maximum Investments • The minimum initial investment for non - shareholders is $25.00 Alternativel y , you may authorize monthly automatic deductions of at least $10.00 each from your bank account to fund your initial investment. • The subsequent minimum additional purchase amount is $10.00 • Cash purchases are subject to a maximum annual amount of $250,000 per Compan y Purchase Fees • Dividend Reinvestment - Each dividend reinvestment will entail a transaction fee of 5% of the amount reinvested, up to a maximum of $5.00 plus $0.05 per share* purchase d • A CH Recurring - Each recurring optional cash purchase using funds that are automatically deducted from your checking or savings account will incur a transaction fee of $ 2.50 plus $0.05 per share* purchased. • A CH On e - T ime - Each on e - time optional cash purchase using funds that are automatically deducted from your checking or savings account will incur a transaction fee of $5.00 plus $0.05 per share* purchased. • All purchase fees will be deducted from the purchase amount. Sale Fees • All sales will entail a transaction fee of $25.00 plus $0.12 per share* sold. • F ees are deducted from the proceeds derived from the sale. Other Fees • All s a l e s requests processed over the telephone by a customer service representative entail an additional transaction fee of $15.00 • P ayment Reject F ee is $35. This schedule of fees is subject to change. See the Terms and Conditions for more information. *All per share fees include any brokerage commissions Computershare is required to pa y Any fractional share will be rounded up to a whole share for purposes of calculating the per share fee.