Stalt Inc.

In order to have replacement documents mailed to you to cover lost securities, a letter from you or the shareholder should be sent to Stalt, Inc. The letter should identify the issue, the certificate number, and the number of shares lost. The letter should also request that a Stop Transfer Order be placed against the missing certificate and that the necessary documents for replacement be sent. Please indicate where and how the documents are to be sent. Complete instructions and forms.

Corporations frequently undergo changes. Name changes, acquisitions, and mergers to name a few. Your broker may be able to provide you with current information on a particular stock. Otherwise, please contact Stalt, Inc. and we will assist you.

The registered owner of shares is the shareholder of record on the books of the corporation, generally kept by the transfer agent. The registered owner may be an individual, a trust, a broker, etc. Registered owners receive communications, proxies, dividends, etc. directly from the corporation through the transfer agent. A registered owner differs from a "street name" owner.

Securities held in a broker account and registered in the name of the broker or other institution are referred to as being "in street name". If you keep your stock with your broker in a broker account, you are a "street name" holder and are not directly registered on the company’s record file maintained by the transfer agent. Company mailings, including dividends, will reach you through your broker. Should you wish to become a registered holder, request your broker to have your shares issued in certificate form, registered in your name.

A Guarantor is a financial institution (commercial bank, broker, etc.) which is a member of a Medallion Guarantee program and guarantees that the signature on a certificate or stock power is genuine, that the person signing is the appropriate person to endorse the security and the signer has the legal capacity to do so.

A Medallion Guarantee takes the form of a stamp and signature on a stock certificate or stock power. A Medallion Guarantee is obtained from an eligible institution, such as a commercial bank, broker, trust company, etc. It provides transfer agents assurance that the person signing a stock certificate or stock power is the authorized individual. Only institutions participating in an officially recognized Medallion Guarantee program may provide this Medallion Guarantee.

The Transferee is the new registered owner of shares. Typically, the transferee will be identified in the Assignment section of a stock certificate or on a stock power which accompanies stock submitted for transfer.

If you hold certificates you wish to transfer, you must send your certificates to Stalt, Inc. at the above address. The certificates must be appropriately signed by all registered holders, exactly as the names appear on the face of the certificate or must be accompanied by a stock power bearing the appropriate signatures. In either case, the signatures must be guaranteed by a financial institution participating in an officially recognized Medallion Signature Guarantee Program. Additionally, instructions indicating how you wish the shares transferred must also be included. These instructions should provide the name, address and social security number for each transferee and should indicate the number of shares to be transferred. In some cases additional documents will be required to complete the transfer. Please see other sections of this document to obtain additional information on transfer requirements and to download selected forms. Please note our rate structure in this section of the Web site.

Individual Registration - This registration gives sole ownership to the single individual and requires that the person’s legal name be used. The use of a first name is desirable. Example: Mary Smith (not M. Smith). Joint Registration - Several types of Joint Registration exist.

Joint Tenants With Rights Of Survivorship - This registration is used when two or more individuals have equal claim to the assets. Should one of the parties die, ownership of the assets passes to the surviving tenants. Example: Mary Smith & Barbara Smith Joint Ten Tenants In Common - This registration allows an appropriate portion of the assets to pass to the estate of the holder upon the holder’s death rather than to the surviving tenant. Example: Mary Smith & Barbara Smith Ten Com Custodial Registration - There are several custodial registrations possible. A custodial registration requires the names of the custodian and the beneficial owner who is a minor is a common type. For example: Mary Smith Cust Don Smith NY Unif Trans Min Act. (Note: The two letter state abbreviation must appear before the "Unif"). Trust Registration - Registering shares in the name of a Trust requires that specific information be provided: the name of the trust and/or the maker or beneficiary and the date of the trust instrument. For example: Mary Jones Tr U/A dtd 4/15/98 The Mary Jones Trust FBO Mary Jones.

The owner of a security registered in TOD form must be a natural person or natural persons holding the security as an individual or joint owners with the right to survivorship (i.e. joint tenants or tenants by the entireties). TOD registrations by non-natural persons (such as a trust or a partnership) are not permitted. Only one beneficiary per registration may be designated by the security owner. Registration in TOD form is indicted by the abbreviation "TOD". Continental accepts TOD registrations for households in states recognizing this registration, except for certain issues for which we only act as the co-transfer agent.

To transfer shares for which we are an agent to an individual or a joint tenant, provide Stalt, Inc. with the following: The certificate which must be properly endorsed by the registered owner or accompanied by a properly endorsed stock power. The endorsement should be guaranteed by an eligible institution participating in an officially recognized Medallion Signature Guarantee Program. A letter of instruction which provides the full name, address and tax identification number of each transferee and the number of shares to be transferred to each transferee. A Substitute W-9 certification form, completed for each individual. This form may be printed from this web site or obtained from a bank or broker.

To transfer the shares of a decedent, provide Stalt, Inc. with the following, if we are the agent for the security involved: The certificate which should be properly endorsed by the legal representative of the estate, e.g., Executor or Administrator, etc. of the deceased owner in his or her legal capacity or a stock power so endorsed. The endorsement should be guaranteed by an eligible institution participating in an officially recognized Medallion Signature Guarantee Program. A letter of instruction which provides the full name, address and tax identification number of each transferee and the number of shares to be transferred to each transferee. A court certified copy of the appointment of the decedent’s legal representative. These are often referred to as Letters Testamentary or Letters of Administration. The certification must be dated within sixty (60) days of the transfer request (six (6) months, if New York state.) A Substitute W-9 certification form, completed for each transferee. This form may be printed from this web site or obtained from a bank or broker. An Affidavit of Domicile and, if applicable, an Inheritance Tax Waiver. If the decedent’s estate is not required to pass through probate, the following documents should be sent along with the certificates, the letter of instruction and the W-9 form. A certified copy of the decedent’s death certificate. An official certificate (Small Estate Affidavit) which lists the decedent’s legal heirs and provides their signatures notarized or certified by the probate court within six (6) months of the date of transfer or an appropriate affidavit as prescribed by statute under the laws of the state of legal domicile. An Affidavit of Domicile and, if applicable, an Inheritance Tax Waiver.

To remove the name of a deceased owner from a security held in joint registration, provide Stalt, Inc. with the following, if we are the agent for the security involved: The certificate which should be properly endorsed by the surviving joint tenant. The endorsement should be guaranteed by an eligible institution participating in an officially recognized Medallion Signature Guarantee Program. A letter of instruction indicating the full name address and tax identification number for each transferee. A certified copy of the decedent’s death certificate An Affidavit of Domicile and, if applicable, an Inheritance Tax Waiver. A Substitute W-9 certification form, completed for each individual transferee. This form may be printed from this web site or obtained from a bank or broker.

To add or remove a name on a security held in custodial registration, provide Stalt, Inc. with the following, if we are the agent for the security involved: The certificate which must be properly endorsed by the current custodian, if still living, or if the minor is now of age, the former minor may sign. A certified copy of his/her birth certificate must be provided, if the former minor signs. The endorsement should be guaranteed by an eligible institution participating in an officially recognized Medallion Signature Guarantee Program. A letter of instruction indicating the full name, address and taxpayer identification number for each transferee. A Substitute W-9 certification form, completed for each individual transferee. This form may be printed from this web site or obtained from a bank or broker