You are a Registered Shareholder if you were issued a stock certificate or if your stock ownership is reflected electronically on the Direct Registration System of our transfer agent, BNY Mellon Shareowner Services.


You are a Beneficial Shareholder if you maintain your position in the Company within a bank or brokerage account.


You are a ESOP Plan Participant if you own shares through our Employee Stock Ownership Plan (ESOP).


You are a Foreign Investor if you do not have a US/Canadian Social Security Number or Tax ID associated with your account.