The Temper Enrollment Service:
Provides enrollment in over 1,000 companies that offer DRIP plans.

Temper Enrollments terms are as follows:

1. All checks for stock orders should be made payable to Temper of the Times.

2. To Register:

• Enter your full name, date of birth, street address, and Social Secuirty Number (proof if your first name is actually an initial). (Non-U.S. citizens without taxpayer ID, please provide passport number AND country of issuance OR alien identification card number).

• If other than single registration, indicate the proper form of registration. For example, JT TEN for joint tenancy accounts, where the surviving tenant receives the property automatically.

• In custodial accounts under the Uniform Gift to Minors Act, name the adult first as custodian and indicate the state: "John Doe, cust. for Jane Doe under NY UTMA." Provide Social Security Number and date of birth for both the custodian and child.

• For living trust agreements and pension plans, be sure to indicate the date: "In trust for Robert Doe under Trust Agreement dated____." Also a copy of the first and last page of the plan/trust should be sent back to Temper.

• For registrations involving corporations, partnerships, or investment clubs, be sure to include the full name of the entity. Please send proof of the entity's existence, such as a certified copy of the certificate of incorporation, partnership agreement, or investment club agreement.

• We cannot accept TOD (Transfer of Death) registrations. We cannot accept orders from residents of Puerto Rico.

• The following do not allow Tenants by Entirety registrations: AL, AZ, CA, CO, CT, GA, ID, IL, IN, IA, KS, LA, ME, MN, MT, NE, NV, NH, NM, NY, NC, ND, OH, OR, SC, SD, TX, UT, WA, and WI.

• The following do not allow Community Property registrations: AL, AK, AR, CO, CT, DE, DC, FL, GA, HI, IL, IN, IA, KS, KY, ME, MD, MA, MI, MN, MS, MO, MT, NE, NH, NJ, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, UT, VT, VA, WV, WI, WY, and DC.

3. We acknowledge your order immediately and accept orders until 12 noon on the last day of the month. Any corrections must arrive no later than one week after the month is closed.

4. You must order at least the minimum number of shares needed to qualify for the plan. However, you can order more than the minimum, up to 100 shares per company.

5. Dividends will be paid to you directly by each company's transfer agent. If a dividend was paid after we charged your account but before your account was opened by the transfer agent, such dividends will be donated to charity annually.

6. Shares are purchased through a broker.

a. The Enrollment Service is not responsible for the quality of your choice of investments, nor is it responsible for the operations of the company or its direct investment plan. The Enrollment Service acts as Riskless Principal to execute your orders.

Although the situation does not arise often, a company may file for bankruptcy and/or discontinue its plan after the shares you ordered were purchased. Under those circumstances, you will be charged the amount that was paid for the stock on your behalf and a certificate for the shares will be sent to you. However, if your order can not be executed for any reason, you will be sent a full refund.

To reduce the chance of plan closures, we do not accept orders for shares that sell for less than $5.

b. The Securities and Exchange Commission requires that all broker-dealers advise customers of the broker's practice with respect to payment for order flow. Payment for order flow includes any monetary payment, service, property, or other benefit that results in remuneration, compensation, or consideration to a broker-dealer from a broker-dealer. Temper does not receive any payment for order flow.

c. Temper closes its entry system for new orders on the last day of the month. Stock are purchased on or about the 10th of the following month, and the DRIP enrollment process should be completed four weeks thereafter.

7. Refunds of overpayments are issued with the final statement. Please note that we do not issue checks for overpayments of less than $3, which will be donated to charity.

8. W-9 Forms and Enrollment Cards will be sent to you if you are using the Temper Enrollment Service to become enrolled in Southern Co., AFLAC, Otter Tail, ExxonMobil, and ZION Bancorp, you should sign and return the W-9 form and/or an enrollment card along with your order form.

To obtain W-9 forms or enrollment cards, call 800-388-9993, or contact the Temper Enrollment Service by mail at 555 Theodore Fremd Ave., Suite B-103, Rye, NY 10580.

9. Any controversy that may develop relevant to this enrollment shall be submitted to arbitration. Such arbitration shall be conducted in New York, N.Y., by the National Association of Securities Dealers, Inc. in accordance with its rules in effect.

All Inquiries: call 800-388-9993 / 914-925-0022, or email: gmoreno@temperenrollment.com