The Individual
Investor’s Guide to
DIVIDEND
REINVESTMENT
PLANS
7th Annual Edition 1999
The American Association
of Individual Investors
Editor—Maria Crawford Scott
Production Editor—Kurt A. Zauke
Associate Editor—Jean Henrich
Assistant Editor—Anna M. Chan
Editorial Assistant—Sarah Sperry
Published by The American Association of Individual Investors
Chairman: James B. Cloonan, Ph.D.
President: John Markese, Ph.D.
Dividend reinvestment plan data provided by The Moneypaper, Inc., Mamaroneck, New York
AMERICAN ASSOCIATION OF INDIVIDUAL INVESTORS
625 NORTH MICHIGAN AVENUE • CHICAGO, ILLINOIS 60611
(800) 428-2244 • (312) 280-0170
WWW. AAII. COM
DIVIDEND
REINVESTMENT
PLANS
The major trend is the
increase in the number
of companies that will
sell the initial shares
directly to the public.
This year, 227 firms,
one quarter of the
total, offer direct
initial shares.
More and more companies are allowing investors to bypass the broker and go
directly to the company to purchase shares.
Currently, a total of 227 firms offer their shares directly to the public, according
to the AAII Journal’s seventh annual Individual Investor’s Guide to Dividend
Reinvestment Plans. Significantly, 13 of these firms offer only a direct purchase plan
and do not maintain a dividend reinvestment plan because they do not pay a cash
dividend.
The listing this year includes 882 companies in the U.S. that offer dividend
reinvestment plans to their shareholders, up slightly from last year’s 877. The major
trend, however, is the increase in the number of companies offering direct initial
shares, which allows investors who want to join the plans to bypass brokers.
Companies that do not offer this feature require that investors first become shareholders before they can join the plan; this means the first shares purchased must be bought
through a broker.
The major attraction of a dividend reinvestment plan is the opportunity to buy
shares with little or no commissions levied. Dividend reinvestment plans are custommade for long-term buy-and-hold investors. While they are not on their own a reason
to buy a stock, they serve as a shareholder bonus on a company with promising longterm growth prospects.
The concept is straightforward: Instead of sending participating investors cash
dividends, the company applies those dividends to the purchase of additional company shares.
There are several advantages to investors who participate: Dividend payments are
put to work, transaction costs are eliminated or held to a minimum, and the
additional shares are purchased gradually over time—an easy-to-implement form of
dollar cost averaging.
Various features make certain plans even more attractive. They include:
• Optional cash payments that allow participants to purchase additional shares
Special Offer: DRP Enrollment Made Easy With Help
From Temper Enrollment Service
Temper of the Times Communications Inc. provided AAII with the data
utilized throughout this special section. As specialists in DRP investing they
publish The Moneypaper’s Guide to Dividend Reinvestment Plans and host an
informational Web site at www.drp.com.
You can easily enroll in DRPs through Temper’s DRP Enrollment Service
Service,
which will help you obtain the initial share(s) required to enroll in the plans you
choose.
Moreover, as a member of AAII, you are entitled to use Temper’s service at a
reduced fee of $15 per enrollment, plus the cost of the share(s) and a commission
— generally 50 cents. For more information, call 800-388-9993, ext. 301
301, and
request the AAII package. You can also visit www.drp.com to see a list of
companies offered by the enrollment service or to print out a DRP enrollment
form.
DRP2
1999 Guide to Dividend Reinvestment Plans
through the plan.
• Partial reinvestment of dividends, allowing participants to receive cash
dividends on some of their shares while
reinvesting dividends on the remaining.
• Automatic investments through an
investor’s checking account.
• IRA accounts that allow participants
to invest tax-deferred savings in the
plan.
• Discounts on the price of shares purchased through the plan.
• Service fees and brokerage costs for
share purchases that are picked up by
the company rather than the participants.
How do you join?
Most dividend reinvestment plans require that you own at least one share
(and sometimes more) registered in your
name—you are a shareholder “of
record.” That means your name appears
on the corporate records as the owner of
the shares rather than the nominee name
(“street name”) of the broker or bank
that may have purchased the shares for
you (and who may be safekeeping them
for you). If your shares are held in street
name, you should ask your broker to
transfer the shares to your own name.
AAII members also have access to the
enrollment service offered by The
Moneypaper. For more on this, see the
box on the bottom of the previous page.
A growing number of companies will
sell initial shares directly to investors, so
that no purchases need to be made
through a broker, although most have
minimum investment amounts; these
companies show Dir in the Special Features column of the guide. Thirteen firms
in this year’s list do not maintain a DRP
plan, but offer a direct purchase plan:
They do not pay cash dividends, but
participants can send cash to purchase
shares without being a shareholder. These
plans are designated by a Dir Only in
the Special Features column.
Usually, a company will send you a
dividend reinvestment plan prospectus
or description and an authorization card
once you become a registered shareholder. You can also call the company
(ask for shareholder relations) or the
dividend reinvestment plan agent and
request these items.
You should read the plan prospectus
or description carefully. While the overall structure of most dividend
reinvestment plans is similar, they vary
in the details. The prospectus or description will provide information on such
items as: eligibility requirements, plan
options, costs, how and when purchases
are made, how and when certificates
will be issued, and how participants
withdraw from the plan.
PLAN MECHANICS
Dividend reinvestment plans are part
of a company’s overall shareholder relations effort and primarily serve existing
shareholders.
Some companies—utilities, in particular—have extensive investor relations
departments and administer their own
dividend reinvestment plans. Most companies, however, appoint an outside
agent to serve as the administrator for
the plan.
The administrator maintains records,
sends account statements to participants,
furnishes certificates for shares upon request and liquidates participants’ shares
when they leave the plan. The agent also
is responsible for the purchase of company shares for the plan. When you join
a plan, you will sign a card that authorizes the agent to make purchases on
your behalf.
Shares purchased under a dividend reinvestment plan are held by the plan and
registered in the nominee name of the
agent or plan trustee on behalf of the
participants, each of whom has an account under the plan. For many
participants, that means you will hold
the company’s shares in two places—
your original registered shares, with the
certificates either held by you or in custody at a bank or brokerage firm, and
the shares purchased through the dividend reinvestment plan, held by the plan.
Many plans will allow participants to
deposit certificates of shares registered
in their own name into their dividend
reinvestment plan account for safekeeping at no charge or for a modest fee;
these shares are then treated in the same
way as the other shares in the
participant’s account.
Certificates for shares purchased under the plan are usually issued only upon
written request, although often at no
charge. Certificates are also issued when
a participant no longer wants to participate in the plan.
Companies with different classes of
shares outstanding may allow shareowners of several forms to participate.
Sometimes, reinvestment is in stock of
the same form—for instance, preferred
reinvests in preferred; sometimes it is all
reinvested into one form—for instance,
all reinvestment is in common stock.
Check the prospectus to make sure you
know where your dividends are being
reinvested.
PLAN OPTIONS
The basic plan offers reinvestment of
dividends on all shares of stock registered in the participant’s name. This is
often referred to as “full reinvestment.”
Under some plans, it isn’t necessary to
reinvest all dividends. Instead, participants are allowed to reinvest dividends
on a portion of their registered shares
while receiving cash dividends on the
remaining shares. This is usually referred
to as a “partial reinvestment option.”
Many plans allow participants to purchase additional shares by making cash
payments directly to the plan. This option is often referred to as “optional
cash payment,” and since the allowable
amounts can be large, it offers participants a low-cost way to build a sizeable
holding in a company. The payments are
optional—participants are not committed to making periodic cash investments.
However, usually there are minimums
for each payment made, and often there
is a maximum. It is also important to
note the frequency with which the plan
invests cash payments, since interest is
not paid on payments received in advance of actual investment.
A twist on the cash payment option is
that some companies will allow registered shareholders to make cash
investments without requiring them to
reinvest dividends on the shares they are
holding, although they may do so if they
want. This is frequently referred to as
the “cash payment only option.” An
added convenience for participants who
wish to make systematic cash investments is an automatic investment feature
that is offered by many companies. The
company or the plan agent automati-
1999 Guide to Dividend Reinvestment Plans
DRP3
Read the plan
prospectus or
description carefully!
While the structure of
most dividend
reinvestment plans is
similar, they vary in the
details. The prospectus
will provide information
on such items as:
eligibility requirements,
plan options, costs,
how and when
purchases are made,
how and when
certificates will be
issued, and how
participants withdraw
from the plans.
DRP4
cally debits the investor’s checking or
savings account at regular intervals to
purchase additional shares.
Full reinvestment and the partial reinvestment option concern dividends on
shares registered in the participant’s
name. What about dividends paid on
shares that are purchased and held in the
plan? Under most—but not all—dividend reinvestment plans, dividends paid
on these shares are automatically reinvested.
Companies that allow direct purchase
of initial shares usually require a minimum dollar investment; this can range
from $50 to $2,000.
THE COSTS
By and large, the cost of participating
in a dividend reinvestment plan is low,
particularly compared to the alternative
of going through a broker.
Participant costs usually come in two
forms: service charges and prorated brokerage commissions. Service charges
cover administrative costs and are generally levied on each transaction;
participants can hold costs down by combining a cash payment with a dividend
reinvestment transaction, since usually
the charges are capped (a $2.50 per transaction maximum is typical). Brokerage
commissions levied on open market
shares are at institutional rates (since the
number of shares purchased is large),
and are therefore considerably lower than
the rate an investor would pay on his
own.
Many companies cover all of the costs
for share purchases from both reinvested
dividends and optional cash payments.
Some companies levy service charges,
others prorate brokerage costs, still others charge participants for both—there
are many variations, so check the prospectus or plan description carefully.
When participation is terminated, some
dividend reinvestment plans will sell plan
shares for you, if you prefer, instead of
sending you certificates. The cost to the
participant is usually any prorated brokerage commissions, a lower-cost
alternative than selling through a broker. Some plans will sell plan shares for
you even if you are not terminating.
Check the prospectus or plan description.
1999 Guide to Dividend Reinvestment Plans
SHARE PURCHASES
The source of share purchases under a
dividend reinvestment plan is spelled out
in the plan description and prospectus.
The most common source is the secondary market—through a securities
exchange where the shares are traded or
in the over-the-counter market, or
through negotiated transactions. Another
source for some is the company itself,
using authorized but unissued shares of
common stock or shares held in the
company’s treasury.
In plans that prorate brokerage commissions among participants, the source
of share purchases is a concern. When
shares are purchased directly from the
company, there are no brokerage expenses to prorate.
When does the agent buy shares? Investment dates are specified in the plan
description or prospectus. Usually, they
coincide with the dividend payment date,
but many companies that allow participants to make cash investments have
additional investment dates.
When shares are purchased in the secondary markets, share purchases
begin—but don’t necessarily end—on the
investment date. Most plans give some
discretion to the agent, since a large
purchase on a single date could affect
share price; usually, however, it is required that all monies be invested within
30 days. The share price for each participant is an average price of all shares
purchased for that investment period.
When shares are purchased directly
from the company, the prospectus will
describe how the share price is determined. Usually, it is based on an average
of the high and low or the closing price
for the stock as reported by a specified
source.
Some companies offer participants discounts on the share price, but there is
wide variation on how this is offered.
Most often, the discounts are available
only on shares purchased with reinvested
dividends, but sometimes discounts apply to shares purchased both with
reinvested dividends and with cash payments. And, a few companies offer
discounts only on newly issued corporate shares, and not on shares that must
be purchased in the secondary markets.
Discounts are described in detail in the
plan’s prospectus.
TAXES
Dividend reinvestment plans have
many advantages, but their tax status is
not one of them, unless you are investing through an IRA (offered by a few
companies). Whether you receive your
dividends in cash or have them reinvested, a taxable event has occurred. In
addition, if you reinvest dividends, the
IRS considers the “dividend” to be equal
to the fair market value of shares acquired with reinvested dividends. The
fair market price is the price on the
exchange or market where shares are
traded, not any discounted price. Furthermore, any brokerage commissions
paid by the company in open market
purchases are considered additional dividend income to the participant.
When shares are sold, the tax basis is
the fair market value as of the date the
shares were acquired, plus any brokerage commissions paid by the company,
and it is treated as income to the participant.
Participants receive 1099-DIV forms
each year from the company detailing
dividends to be treated as income as
reported to the IRS.
HOW TO USE THE GUIDE
The seventh annual listing covers 882
companies with dividend reinvestment
plans listed in the following pages. The
list does not include Canadian firms,
limited partnerships, closed-end funds,
or real estate investment trusts. We have
also made no attempts to screen the
companies based on their dividend
record, and in fact some companies listed
have suspended their dividend payments.
Prospective investors should analyze the
merits of any company based on its fundamental investment characteristics
before making any purchase decisions.
Companies are listed alphabetically.
The first column provides the telephone
number of the company or of the plan
agent where you can obtain a plan prospectus or description and an
authorization card to join the plan. If
you contact a plan’s agent, make sure
you specify which company’s dividend
reinvestment plan you are interested in.
All of the companies listed in this directory offer the basic dividend
reinvestment option—full reinvestment
of all dividends on registered shares.
You must be a registered shareowner to
participate in many of these plans, except for the companies that sell shares
directly to the general public in most
states.
The column labeled Spec Feat (Special
Features) identifies those firms that sell
shares directly to the public (indicated
by Dir) and those companies without a
dividend reinvestment plan that offer
direct purchase only (indicated by Dir
Only); the minimum purchase is indicated in superscript. This column also
denotes companies that provide for IRA
account investing (indicated by IRA).
The column labeled Options provides
information on additional plan features.
Partial indicates that the company allows participants to reinvest dividends
on a portion of their registered shares
and receive cash dividends on the remainder. Cash indicates that the
company allows participants to make
optional cash payments for share purchases in addition to reinvesting
dividends on registered shares. Cash-No
Div. Pay indicates that the company is
not currently paying a dividend but is
accepting optional cash payments for
share purchases.
The Cash Purchase column provides
more information on the cash payment
option. The minimum and maximum
dollar amounts are indicated. Also indicated is the frequency with which the
plan invests cash received under the cash
purchase option, and if the company
offers an automatic investment feature
(✦) so that cash purchases can automatically be made from a savings or checking
account.
The column labeled Participant Fees
notes any charges that are levied on plan
participants for the purchase of company shares. None indicates there are no
participant charges for share purchases.
[Note, however, that many plans do
charge for other services—for instance,
share sales if that service is offered.] SC
indicates there is a service charge for
share purchases; Comm. indicates that
participants pay prorated brokerage commissions on open-market share
purchases; (cash) indicates the fees are
paid only on shares purchased with optional cash payments. [Note that some
plans, while they charge broker commissions on open-market shares, make most
of their purchases directly from the company from new issues, which involves no
commissions. Check the prospectus for
more information.]
The Discounts column provides information on any discounts on the share
price that are offered. Div indicates that
the discount applies to shares purchased
from reinvested dividends; Cash indicates that the discount applies to shares
purchased from optional cash payments.
While we have made every effort to
provide accurate information, please read
the plan prospectus carefully before
making any decisions. ✦
1999 Guide to Dividend Reinvestment Plans
DRP5
Telephone
Company (Exchange: Ticker)
Spec
Feat
Options
Cash Purchase:
Min-Max; Frequency
Participant
Fees
Discounts
Cash
Cash
Partial, Cash
Cash-No Div. Pay
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash-No Div. Pay
Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Cash
Cash
$10-$3,000/qtr.; 90 days
$10-$5,000/qtr.; 45 days
$250-$unlimited; 90 days✦
$50-$250,000/yr.; 5 days✦
$50-$3,000/mo.; 30 days
$20-$2,500/qtr.; 90 days
$50-$3,000/qtr.; 7 days✦
$50-$120,000/yr.; 15 days✦
$25-$5,000/mo.; 15 days✦
$100-$200,000/yr.; 5 days✦
$100-$10,000/trans.; 7 days
$25-$4,000/mo.; 30 days
$10-$5,000/mo.; 30 days
$25-$1,000/mo.; 30 days
$30-$30,000/qtr.; 90 days
$25-$5,000/mo.; 30 days
$25-$5,000/qtr.; 90 days
$100-$3,000/qtr.; 30 days✦
$50-$10,000/qtr.; 90 days
$100-$10,000/mo.; 7 days✦
$100-$15,000/qtr.; 90 days
$10-$50,000/yr.; 30 days✦
$25-$120,000/yr.; 30 days
$100-$150,000/yr.; 7 days✦
$50-$25,000/qtr.; 30 days
$25-$1,000/mo.; 90 days
$25-$2,000/mo.; 30 days
$10-$7,500/qtr.; 30 days
$50-$5,000/qtr.; 30 days
$25-$10,000/mo.; 30 days✦
$10-$1,000/mo.; 30 days
$25-$150,000/yr.; 7 days✦
$50-$10,000/mo.; 30 days✦
$25-$6,000/qtr.; 30 days✦
$100-$10,000/qtr.; 30 days
$50-$3,000/qtr.; 30 days
$50-$10,000/mo.; 30 days
$25-$2,500/qtr.; 90 days
$50-$12,000/yr.; 90 days
$100-$5,000/mo.; 30 days
$100-$150,000/yr.; 7 days✦
$10-$5,000/qtr.; 90 days
$50-$10,000/trans.; 7 days✦
$50-$10,000; 30 days✦
$100-$5,000/qtr.; 90 days
$25-$1,800/mo.; 30 days
$10-$3,000/qtr.; 90 days
$25-$5,000/mo.; 30 days
none
none
SC (cash)
SC & Comm. (cash)
none
none
SC, Comm.
none
none
SC, Comm.
SC & Comm. (cash)
none
none
none
SC & Comm. (cash)
none
none
none
SC
Comm. (cash)
SC & Comm. (cash)
none
none
SC, Comm.
none
none
none
none
none
Comm.
none
none
SC, Comm.
none
none
none
SC, Comm.
none
none
none
SC, Comm. (cash)
none
SC (cash), Comm.
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
Div: 2%; Cash: 2%
none
none
none
Div: 5%
none
none
none
none
A
800-446-2617
888-332-2268
800-368-5948
800-468-9716
800-851-9673
800-937-5449
800-446-2617
800-227-4756*
800-866-1543
800-519-3111
800-233-5601
800-837-2755
312-461-6001
312-360-5146
800-982-7649
800-317-4445
800-524-4458
800-642-7236
800-648-8389
800-406-4850
816-860-7888
201-324-1644
800-432-0140
800-355-5191
888-243-5445
800-317-4445
312-360-5204
800-637-7549
800-524-4458
800-255-2237*
800-633-4236
800-328-6955
800-463-5911
800-519-3111
800-622-6757
800-356-2017
800-565-2067
800-633-4236
888-816-6998
800-736-3001
800-233-1342
800-524-4458
800-524-4458
888-470-5786
800-368-5948
800-730-4001
800-884-4225
888-213-0964
AAR Corp. (N: AIR)
Abbott Labs. (N: ABT)
Abington Bancorp, Inc. (M: ABBK)
ADC Telecommunica'ns, Inc. (M: ADCT)
Dir Only$500
Advanta Corp. (M: ADVNB)
Dir$1,500
Advest Group, Inc. (The) (N: ADV)
Aetna Inc. (N: AET)
Dir$500
AFLAC Inc. (N: AFL)
Dir$750
AGL Resources Inc. (N: ATG)
Dir$250
Air Products & Chemicals, Inc. (N: APD)
Dir$500
AirTouch Communications, Inc. (N: ATI)
Dir Only$500
AK Steel Holding Corp (N: AKS)
Albany International (N: AIN)
Albemarle Corp. (N: ALB)
Albertson’s, Inc. (N: ABS)
Alcoa (N: AA)
Alfa Corp. (M: ALFA)
Aliant Communications Inc. (M: ALNT)
Allegheny Energy (N: AYE)
Allegheny Teledyne Inc. (N: ALT)
Dir$1,000
Allegiant Bancorp, Inc. (M: ALLE)
Allergan, Inc. (N: AGN)
AlliedSignal Inc. (N: ALD)
Allstate Corp. (N: ALL)
IRA, Dir$500
ALLTEL Corp. (N: AT)
Amcast Industrial Corp. (N: AIZ)
AMCOL International (N: ACO)
Amcore Financial, Inc. (M: AMFI)
Amerada Hess (N: AHC)
Ameren Corp (N: AEE)
American Business Products (N: ABP)
American Electric Power (N: AEP)
IRA, Dir$250
American Express Company (N: AXP)
Dir$1,000
American General Corp. (N: AGC)
American Greetings Corp. (N: AM)
American Health Prop., Inc. (N: AHE)
American Home Products (N: AHP)
American Software, Inc. (M: AMSWA)
American States Water (N: AWR)
American Water Works (N: AWK)
Ameritech (N: AIT)
IRA, Dir$1,000
AmSouth Bancorp. (N: ASO)
Amway Asia Pacific, Ltd. (N: AAP)
Dir$500
Anadarko Petroleum Corp. (N: APC)
Dir$1,000
ANB Corp. (M: ANBC)
Andover Bancorp, Inc. (M: ANDB)
Angelica Corp. (N: AGL)
Anheuser-Busch Cos. (N: BUD)
* Telephone number is to the company. All other numbers are to the plan agent.
Spec Feat (Special Features)
IRA: IRA account
Dir$xxx: Sells initial shares directly to public; minimum purchase
Dir Only$xxx: Direct purchase plan only—no cash dividends paid; min. purch.
Options
Partial: Participants can specify a portion of shares for dividend
reinvestment and receive cash dividends on remainder.
Cash: Participants can make optional cash payments in addition
to reinvesting dividends.
Cash-No Div. Pay: Participants can make cash payments; firm is not
currently paying a dividend.
DRP6
1999 Guide to Dividend Reinvestment Plans
Cash Purchase
Min: Minimum investment amount
Max: Maximum investment amount over period specified.
Plans marked “varies” have maximums that depend on
number of shares owned.
Frequency: How frequently cash received under cash purchase option
is invested in shares
✦: Participants can have automatic investments made from
their checking or savings accounts.
Exchange Key
N = New York Stock Exchange
A = American Stock Exchange
M = Nasdaq
Options
Cash Purchase:
Min-Max; Frequency
Participant
Fees
Discounts
Aon Corp. (N: AOC)
Apache Corp. (N: APA)
Applied Industrial Technol, Inc. (N: APZ)
Aquarion Co. (N: WTR)
Arch Coal, Inc. (N: ACI)
Archstone Communities Trust (N: ASN)
Dir$200
Armstrong World Ind. Inc. (N: ACK)
Arnold Industries, Inc. (M: AIND)
Arrow Financial Corp. (M: AROW)
Dir$300
Arvin Ind. (N: ARV)
ASARCO Inc. (N: AR)
Ascent Entertainment Group (M: GOAL)
Dir Only$100
Ashland Inc. (N: ASH)
Associated Banc-Corp (M: ASBC)
Associates First Capital Corp. (N: AFS)
Dir$1,000
Astoria Financial Corp. (M: ASFC)
AT&T Corp. (N: T)
Atlantic Richfield (N: ARC)
Atmos Energy Corp. (N: ATO)
IRA, Dir$200
AvalonBay Communities, Inc. (N: AVB)
Avery Dennison Corp. (N: AVY)
Dir$500
Aviall, Inc. (N: AVL)
Avista Corp. (N: AVA)
Avnet, Inc. (N: AVT)
Avon Products, Inc. (N: AVP)
AVX Corp. (N: AVX)
Cash
Partial, Cash
Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Cash
Partial, Cash
Partial, Cash
Cash-No Div. Pay
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash-No Div. Pay
Partial, Cash
Partial, Cash
Cash
Partial, Cash
$20-$1,000/mo.; 30 days
$50-$5,000/qtr.; 30 days
$10-$1,000/mo.; 30 days
$10-$5,000/qtr.; 30 days
$10-$20,000/yr.; 30 days✦
$200-$5,000/mo.; 30 days✦
$50-$3,000/mo.; 30 days
$25-$3,000/qtr.; 90 days
$50-$10,000/qtr.; 30 days
$25-$3,000/qtr.; 90 days
$25-$1,000/mo.; 30 days
$20-$5,000/qtr.; 7 days✦
$10-$5,000/qtr.; 90 days
$100-$5,000/qtr.; 90 days
$50-$250,000/yr.; 5 days✦
$50-$5,000/qtr.; 90 days
$100-$250,000/yr.; 7 days✦
$10-$60,000/yr.; 30 days✦
$25-$100,000/yr.; 7 days✦
$100-$25,000/qtr.; 90 days
$100-$12,500/mo.; 7 days✦
$25-$15,000/qtr.; 30 days
$0-$100,000/yr.; 30 days
$10-$unlimited; 45 days
$10-$5,000/mo.; 30 days
$20-$2,000/mo.; 30 days
none
none
none
none
none
none
none
none
none
SC
none
SC & Comm. (cash)
none
none
SC, Comm.
none
SC
SC & Comm. (cash)
none
none
SC & Comm. (cash)
none
Comm.
none
none
none
none
none
none
Div: 5%; Cash: 5%
none
Cash: 2%
none
none
none
none
none
none
none
none
none
none
none
none
Div: 3%
Div: 3%; Cash: 3%
none
none
none
none
none
none
Baker Hughes Inc. (N: BHI)
Baldor Electric Co. (N: BEZ)
Ball Corp. (N: BLL)
Baltimore Gas and Electric Co. (N: BGE)
BancorpSouth, Inc. (N: BXS)
BancWest Corp. (M: BWE)
Bandag Inc. (N: BDG)
Bandag Inc. (N: BDGA)
Bando McGlocklin Capital (M: BMCC)
Bangor Hydro Electric (N: BGR)
Bank of New York (N: BK)
Bank One Corp. (N: ONE)
BankAmerica Corp. (N: BAC)
BankBoston Corp. (N: BKB)
Bankers Trust Corp. (N: BT)
Banknorth Group, Inc. (M: BKNG)
Banta Corp. (N: BN)
Banyan Strategic Realty Tr (M: BSRTS)
Bard, Inc. (C.R.) (N: BCR)
Barnes Group Inc. (N: B)
Bausch & Lomb (N: BOL)
Baxter International Inc. (N: BAX)
BB&T Corp. (N: BBT)
BEC Energy (N: BSE)
Beckman Coulter Inc. (N: BEC)
Becton Dickinson & Co. (N: BDX)
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash-No Div. Pay
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
$10-$350/mo.; 30 days
$50-$10,000/mo.; 30 days
$25-$3,000/qtr.; 30 days
$25-$100,000/yr.; 30 days
$25-$5,000/qtr.; 90 days✦
$50-$10,0000/qtr.; 30 days
$50-$10,000/qtr.; 30 days
$50-$10,000/qtr.; 30 days
$25-$3,000/qtr.; 90 days
$25-$25,000/yr.; 30 days✦
$50-$150,000/yr.; 7 days✦
$25-$5,000/mo.; 30 days✦
$50-$120,000/yr.; 7 days✦
$50-$100,000/yr.; 15 days✦
$25-$5,000/mo.; 30 days
$25-$5,000/qtr.; 90 days
$25-$7,500/qtr.; 30 days✦
$5-$120,000/yr.; 30 days✦
$25-$unlimited; 7 days✦
$10-$10,000/qtr.; 90 days
$25-$5,000/mo.; 30 days
$25-$25,000/yr.; 30 days
$25-$10,000/mo.; 15 days✦
$50-$40,000/yr.; 30 days✦
$10-$60,000/yr.; 30 days✦
$50-$unlimited; 7 days✦
none
none
none
Comm.
none
none
none
none
none
none
none
none
none
none
none
none
none
none
SC & Comm. (cash)
none
none
none
none
none
none
Comm.
none
none
Div: 5%
none
none
none
none
none
none
none
none
none
none
none
none
none
none
Div: 3%
none
none
none
none
none
none
none
none
Telephone
Company (Exchange: Ticker)
800-446-2617
800-468-9716
800-988-5291
800-288-9541
800-317-4445
800-461-9257
800-685-4541
800-368-5948
800-278-4353
800-720-0418
800-524-4458
800-433-7471
800-510-8199
800-446-2617
800-975-2112
800-526-0801
800-348-8288
800-756-8200
800-543-3038
800-829-8432
800-756-8200
800-730-4001
800-642-7365
800-524-4458
201-324-0498
800-633-4236
Spec
Feat
B
888-216-8057
800-633-4236
800-446-2617
800-258-0499*
800-568-3476
800-278-4353
800-730-4001
800-730-4001
800-637-7549
800-736-3001
800-432-0140
888-764-5592
800-642-9855
800-730-4001
800-547-9794
800-368-5948
800-637-7549
201-324-0498
800-446-2617
800-288-9541
800-288-9541
800-446-2617
910-671-2273
800-338-8446
201-324-1644
800-955-4743
Dir$1,000
Dir$1,000
Dir$250
Dir$250
* Telephone number is to the company. All other numbers are to the plan agent.
Participant Fees
none: No charges to participants for share purchases
SC: Service charge
Comm.: Prorated broker commissions for open market share
purchases
(cash): Fee levied only on shares purchased with optional cash
payments
(div): Fee levied only on shares purchased with dividends
Discounts
none: No discounts offered
Div: Discount on shares purchased with reinvested dividends
Cash: Discount on shares purchased with cash purchase
1999 Guide to Dividend Reinvestment Plans
DRP7
Telephone
800-774-5476
800-631-2355
800-631-6001
800-551-6161
800-426-5523
888-756-2632
201-324-1225
800-942-5909
800-829-8432
800-519-3111
800-468-9716
888-213-0968
800-730-4001
800-730-4001
800-272-7675*
888-777-0923
800-544-6473*
800-851-4229
888-877-2890
800-524-4458
800-524-4458
800-637-7549
800-356-2026
800-446-2617
201-324-0498
201-324-0498
800-519-3111
800-546-9420*
800-622-6757
800-937-5449
814-536-2110*
800-526-5678
Company (Exchange: Ticker)
Bedford Property Investors (N: BED)
Bell Atlantic (N: BEL)
BellSouth Corp. (N: BLS)
Bemis Company, Inc. (N: BMS)
Berkshire Energy Resources (M: BERK)
Bestfoods (N: BFO)
Bethlehem Steel (N: BS)
Bindley Western Indus., Inc. (N: BDY)
Birmingham Steel Corp. (N: BIR)
Black & Decker (N: BDK)
Black Hills Corp. (N: BKH)
Block (H&R) (N: HRB)
Blount Int’l, Inc. (N: BLTA)
Blount Int’l, Inc. (N: BLTB)
Bob Evans Farms (M: BOBE)
Boeing Company (The) (N: BA)
Boise Cascade Corp. (N: BCC)
Borg-Warner Automotive (N: BWA)
Boston Beer Company (The) (N: SAM)
Bowater Inc. (N: BOW)
Bowne & Co., Inc. (A: BNE)
Briggs & Stratton Corp. (N: BGG)
Bristol-Myers Squibb (N: BMY)
Brown Group (N: BG)
Brown-Forman Corp. (N: BFA)
Brown-Forman Corp. (N: BFB)
Browning-Ferris Industries Inc. (N: BFI)
Brunswick Corp. (N: BC)
Brush Wellman (N: BW)
BSB Bancorp, Inc. (M: BSBN)
BT Financial Corp. (M: BTFC)
Burlington Northern Santa Fe (N: BNI)
Spec
Feat
$1,000
Dir
IRA, Dir$1,000
Dir$500
Dir$50
Dir$500
Dir$500
Dir$500
Options
Cash Purchase:
Min-Max; Frequency
Participant
Fees
Discounts
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Cash-No Div. Pay
Partial, Cash
Cash
Partial, Cash
Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Cash
Partial, Cash
Cash
Cash
$100-$5,000/mo.; 30 days
$50-$200,000/yr.; 7 days✦
$50-$100,000/yr.; 7 days✦
$25-$10,000/qtr.; 30 days
$15-$5,000/qtr.; 30 days
$25-$25,000/yr.; 30 days✦
$10-$3,000/mo.; 30 days
$10-$5,000/qtr.; 90 days
$20-$2,000/mo.; 30 days
$50-$60,000/yr.; 30 days✦
$200-$50,000/qtr.; 30 days
$25-$2,000/mo.; 30 days
$10-$25,000/yr.; 30 days
$10-$25,000/yr.; 30 days
$10-$10,000/mo.; 15 days✦
$50-$100,000/yr.; 7 days✦
$10-$unlimited; 30 days
$50-$120,000/yr.; 7 days✦
$50-$10,000/mo.; 7 days✦
$100-$5,000/mo.; 30 days
$50-$100,000/yr.; 7 days✦
$25-$5,000/qtr.; 30 days
$105-$10,025/mo.; 7 days
$25-$1,000/mo.; 30 days
$50-$3,000/qtr.; 30 days
$50-$3,000/qtr.; 30 days
$25-$60,000/yr.; 30 days
$10-$2,000/mo.; 30 days
$25-$5,000/qtr.; 30 days
$50-$5,000/mo.; 30 days
$20-$2,500/qtr.; 90 days
$50-$60,000/yr.; 30 days
none
SC, Comm.
Comm.
none
none
none
none
none
none
none
none
Comm.
none
none
none
SC, Comm.
Comm.
none
SC & Comm. (cash)
none
none
none
SC
none
none
none
none
none
none
none
none
SC
none
none
none
none
Div: 3%; Cash: 3%
none
none
none
none
none
none
none
Div: 5%
Div: 5%
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
$10-$10,000/qtr.; 45 days
$25-$3,000/qtr.; 90 days
$100-$20,000/mo.; 7 days✦
$50-$5,000/qtr.; 30 days
$50-$350,000/yr.; 5 days✦
$50-$5,000/mo.; 30 days✦
$50-$5,000/qtr.; 30 days
$50-$300,000/yr.; 30 days✦
$500-$25,000/mo.; 30 days✦
$10-$3,000/qtr.; 30 days
$25-$10,000/mo.; 30 days✦
$20-$2,000/mo.; 30 days✦
$25-$120,000/yr.; 7 days✦
$25-$25,000/yr.; 30 days
none
none
none
none
SC, Comm.
none
none
Comm. (cash)
none
none
none
none
none
none
none
none
none
none
none
Cash: 3%
none
none
none
none
Div: 5%
none
none
none
C
800-730-4001
800-829-8432
800-736-3001
800-368-7068
800-446-2617
800-446-2617
800-884-4225
800-524-4458
800-200-8690
312-461-2302
800-241-5568
800-633-4236
800-519-3111
781-575-3100
Cabot Corp. (N: CBT)
Cadmus Communications (M: CDMS)
California Water Service Grp (N: CWT)
Dir$500
Callaway Golf Company (N: ELY)
Campbell Soup Co. (N: CPB)
IRA, Dir$500
Capital One Financial Corp. (N: COF)
Capitol Bancorp Ltd. (M: CBCL)
Caraustar Industries, Inc. (M: CSAR)
Dir$250
Carey Diversified LLC (N: CDC)
Dir$500
Carlisle Cos., Inc. (N: CSL)
Carolina First Corp. (M: CAFC)
IRA
Carolina Power & Light (N: CPL)
Carpenter Technologies Corp. (N: CRS)
Dir$500
CarrAmerica (N: CRE)
* Telephone number is to the company. All other numbers are to the plan agent.
Spec Feat (Special Features)
IRA: IRA account
Dir$xxx: Sells initial shares directly to public; minimum purchase
Dir Only$xxx: Direct purchase plan only—no cash dividends paid; min. purch.
Options
Partial: Participants can specify a portion of shares for dividend
reinvestment and receive cash dividends on remainder.
Cash: Participants can make optional cash payments in addition
to reinvesting dividends.
Cash-No Div. Pay: Participants can make cash payments; firm is not
currently paying a dividend.
DRP8
1999 Guide to Dividend Reinvestment Plans
Cash Purchase
Min: Minimum investment amount
Max: Maximum investment amount over period specified.
Plans marked “varies” have maximums that depend on
number of shares owned.
Frequency: How frequently cash received under cash purchase option
is invested in shares
✦: Participants can have automatic investments made from
their checking or savings accounts.
Exchange Key
N = New York Stock Exchange
A = American Stock Exchange
M = Nasdaq
Telephone
Company (Exchange: Ticker)
888-269-8845
816-860-7891
800-937-5449
800-446-2617
800-937-5449
800-568-3476
800-507-7799
800-368-5948
800-937-5449
800-756-3353
800-937-5449
800-527-5797*
800-428-9578
800-736-3001
800-368-5948
800-969-6718
888-221-4239*
800-663-8236
800-622-6757
800-733-5001
800-468-9716
800-942-5909
312-360-5163
800-736-3001
800-937-5449
800-368-8357
877-424-1981
800-730-4001
718-921-8200
800-317-4445
800-851-9677
800-317-4445
800-622-5514*
800-837-2755
513-744-7343
800-325-2945*
877-795-0772
800-757-5755
800-568-3476
800-446-2617
800-937-5449
201-324-0137
800-446-2617
201-324-1644
800-736-3001
517-788-1868*
517-788-1868*
812-456-3416*
518-673-3243*
800-788-2500*
800-829-8432
888-265-3747
800-418-4223
800-756-8700
800-568-3476
800-736-3001
Cascade Natural Gas (N: CGC)
Casey’s General Store (M: CASY)
Castle (A.M.) & Co. (A: CAS)
Caterpillar, Inc. (N: CAT)
Cathay Bancorp, Inc. (M: CATY)
CBRL Group, Inc. (M: CBRL)
CBS Corp. (N: CBS)
CCB Financial Corp. (N: CCB)
CCFNB Bancorp, Inc. (M: CCFN)
Cedar Fair L.P. (N: FUN)
Center Bancorp, Inc. (M: CNBC)
Central & South West Corp. (N: CSR)
Central Hudson G&E Corp. (N: CNH)
Central Vermont Public Service (N: CV)
Centura Banks, Inc. (N: CBC)
CenturyTel (N: CTL)
CFW Communications Co. (M: CFWC)
Champion International (N: CHA)
Chart Industries (N: CTI)
Charter One Financial Inc. (M: COFI)
Chemed Corp. (N: CHE)
Chemical Financial Corp. (M: CHFC)
Chesapeake Corp. (N: CSK)
Chesapeake Utilities Corp. (N: CPK)
Chester Valley Bancorp (M: CVAL)
Chevron Corp. (N: CHV)
Chicago Title Corp. (N: CTZ)
Chittenden Corp. (N: CHZ)
Chock Full O’ Nuts (N: CHF)
Chubb Corp. (N: CB)
Church & Dwight Co., Inc. (N: CHD)
CIGNA Corp. (N: CI)
CILCORP Inc. (N: CER)
Cincinnati Bell Inc. (N: CSN)
Cincinnati Financial Corp. (M: CINF)
Cinergy Corp. (N: CIN)
Citizens Banking Corp. (M: CBCF)
Citizens Utilities (N: CZN)
City Holding Co. (M: CHCO)
CLARCOR Inc. (N: CLC)
Clayton Homes, Inc. (N: CMH)
CLECO Corp. (N: CNL)
Cleveland-Cliffs Inc. (N: CLF)
Clorox (N: CLX)
CMP Group Inc. (N: CTP)
CMS Energy (N: CMS)
CMS Energy “G” (N: CPG)
CNB Bancshares, Inc. (N: BNK)
CNB Financial Corp. (M: CNBF)
Coastal Corp. (N: CGP)
Coca-Cola Bott. Co. Consol. (M: COKE)
Coca-Cola Company (N: KO)
Coca-Cola Enterprises Inc. (N: CCE)
Colgate-Palmolive (N: CL)
Colonial BancGroup, Inc. (The) (N: CNB)
Colonial Gas Co. (M: CLG)
Spec
Feat
Dir$500
Dir$250
Dir$100
Dir$250
Dir Only$100
Dir$250
Dir$500
Dir$500
Dir$250
Options
Cash Purchase:
Min-Max; Frequency
Participant
Fees
Discounts
Partial, Cash
Partial, Cash
Cash
Cash
Partial, Cash
Partial, Cash
Cash-No Div. Pay
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Cash
Cash-No Div. Pay
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Cash
Partial, Cash
Cash
Cash-No Div. Pay
Partial, Cash
Cash
Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
$50-$20,000/yr.; 30 days
$50-$10,000/qtr.; 30 days✦
$100-$10,000/qtr.; 90 days
$50-$350,000/yr.; 7 days✦
$600-$15,000/qtr.; 30 days
$100-$5,000/qtr.; 30 days
$100-$5,000/mo.; 30 days
$25-$10,000/mo.; 30 days✦
$25-$1,500/qtr.; 90 days
$50-$5,000/qtr.; 30 days
$100-$30,000/yr.; 30 days
$25-$100,000/yr.; 7 days✦
$50-$150,000/yr.; 30 days✦
$100-$6,000/qtr.; 30 days✦
$25-$10,000/mo.; 30 days✦
$25-$5,000/qtr.; 30 days✦
$50-$10,000/qtr.; 30 days
$10-$5,000/mo.; 30 days
$10-$5,000/mo.; 30 days
$50-$5,000/mo.; 30 days
$50-$5,000/mo.; 30 days✦
$10-$3,000/qtr.; 15 days
$10-$5,000/qtr.; 30 days
$50-$15,000/qtr.; 30 days
$50-$10,000/yr.; 90 days
$50-$100,000/yr.; 5 days✦
$100-$30,000/qtr.; 30 days✦
$25-$10,000/qtr.; 90 days
$50-$10,000/trans.; 7 days✦
$10-$60,000/yr.; 30 days✦
$250-$5,000/qtr.; 90 days
$10-$5,000/mo.; 30 days
$25-$25,000/qtr.; 30 days
$25-$5,000/mo.; 30 days
$25-$5,000/mo.; 30 days
$25-$100,000/yr.; 30 days
$25-$2,000/mo.; 30 days
$100-$25,000/qtr.; 30 days✦
$50-$5,000/qtr.; 90 days
$25-$3,000/mo.; 30 days
$100-$5,000/qtr.; 15 days
$25-$5,000/mo.; 30 days
$20-$30,000/yr.; 30 days✦
$10-$60,000/yr.; 30 days✦
$10-$40,000/yr.; 30 days✦
$25-$120,000/yr.; 30 days✦
$25-$120,000/yr.; 30 days✦
$50-$5,000/mo.; 30 days✦
$10-$3,000/qtr.; 90 days
$50-$120,000/yr.; 15 days
$10-$1,000/mo.; 30 days✦
$10-$125,000/yr.; 30 days✦
$10-$100,000/yr.; 15 days✦
$20-$60,000/yr.; 30 days✦
$10-$3,000/qtr.; 90 days
$10-$5,000/qtr.; 30 days✦
none
none
none
SC, Comm.
none
none
none
none
none
none
none
none
none
Comm.
Comm.
none
Comm. (div)
none
none
SC (cash)
none
none
none
none
none
SC, Comm.
SC & Comm. (cash)
none
SC & Comm. (cash)
SC
none
none
none
none
SC
none
none
SC & Comm. (cash)
none
none
none
none
none
none
none
none
none
none
none
Comm.
SC
none
none
none
none
none
none
none
none
none
Div: 5%
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
Div: 5%; Cash: 5%
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
Div: 3%
none
none
none
none
none
none
none
Div: 5%
* Telephone number is to the company. All other numbers are to the plan agent.
Participant Fees
none: No charges to participants for share purchases
SC: Service charge
Comm.: Prorated broker commissions for open market share
purchases
(cash): Fee levied only on shares purchased with optional cash
payments
(div): Fee levied only on shares purchased with dividends
Discounts
none: No discounts offered
Div: Discount on shares purchased with reinvested dividends
Cash: Discount on shares purchased with cash purchase
1999 Guide to Dividend Reinvestment Plans
DRP9
Telephone
Company (Exchange: Ticker)
800-368-5948
800-296-3913
800-468-9716
888-470-5884
800-526-0801
800-368-5948
800-730-4001
888-213-0883
800-468-9716
800-526-0801
888-218-4373
212-509-4000
800-244-7155
800-432-0140
800-214-0349
800-365-6495
610-582-8711*
800-736-3001
800-426-5523
800-522-5522
800-524-4458
800-414-6443
312-461-3157
800-446-2617
800-255-0461
330-637-8040*
800-524-4458
312-360-5106
800-441-9673
800-446-2617
800-851-9677
888-877-2892
800-317-4445
800-521-5571
800-279-1262
800-446-2617
800-416-3743
877-287-7526
800-643-4296
Columbia Bancorp (M: CBMD)
Columbia Energy Group (N: CG)
Comerica Inc. (N: CMA)
Commerce Bancorp, Inc. (N: CBH)
Commercial Intertech (N: TEC)
Commonwealth Bank (M: CMSB)
Commonwealth Energy Sys. (N: CES)
Community Bank System, Inc. (N: CBU)
Community First Bankshares (M: CFBX)
Community Savings Bankshares (M: CMSV)
Compaq Computer (N: CPQ)
Compass Bancshares, Inc. (M: CBSS)
Computer Associates Int’l (N: CA)
COMSAT Corp. (N: CQ)
ConAgra, Inc. (N: CAG)
Conectiv (N: CIV)
Conestoga Enterprises, Inc. (M: CENI)
Connecticut Energy Corp. (N: CNE)
IRA
Connecticut Water Service (M: CTWS) IRA
Consolidated Edison (N: ED)
Consolidated Freightways (M: CFWY)
Consolidated Natural Gas (N: CNG)
Consolidated Papers, Inc. (N: CDP)
Cooper Industries (N: CBE)
Corning Inc. (N: GLW)
Cortland Bancorp (M: CLDB)
Countrywide Credit Industries (N: CCR)
CoVest Bancshares, Inc. (M: COVB)
CPI Corp. (N: CPY)
Crane Co. (N: CR)
Crompton-Knowles Corp. (N: CNK)
Cross Timbers Oil Company (N: XTO)
Crown Cork & Seal Co., Inc. (N: CCK)
CSX Corp. (N: CSX)
CTG Resources (N: CTG)
Cummins Engine (N: CUM)
Curtiss-Wright Corp. (N: CW)
CVS Corp. (N: CVS)
Cyprus Amax Minerals Co. (N: CYM)
Spec
Feat
Dir$500
Dir$250
Dir$250
Dir$500
Dir Only$100
Dir$500
Dir$500
Dir$2,000
Dir$100
Options
Cash Purchase:
Min-Max; Frequency
Participant
Fees
Discounts
Cash
Partial, Cash
Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Cash
Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash-No Div. Pay
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Cash
$250-$2,500/qtr.; 90 days
$100-$25,000/qtr.; 30 days
$10-$3,000/qtr.; 90 days
$100-$5,000/mo.; 30 days
$30-$5,000/qtr.; 90 days
$100-$2,500/qtr.; 30 days
$10-$5,000/mo.; 30 days
$100-$5,000/mo.; 30 days✦
$25-$3,000/qtr.; 30 days
$25-$5,000/mo.; 30 days
$50-$10,000/mo.; 7 days✦
$25-$500/mo.; 30 days
$25-$3,000/mo.; 30 days
$50-$10,000/mo.; 30 days
$50-$50,000/yr.; 15 days✦
$50-$200,000/yr.; 7 days✦
$100-$2,500/qtr.; 90 days
$50-$50,000/yr.; 30 days✦
$25-$1,000/mo.; 30 days✦
$100-$24,000/yr.; 7 days
$25-$50,000/yr.; 7 days✦
$25-$5,000/qtr.; 90 days
$100-$3,000/qtr.; 30 days
$25-$24,000/yr.; 30 days
$10-$5,000/mo.; 30 days✦
$100-$1,000/yr.; 180 days✦
$100-$3,000/mo.; 30 days
$25-$5,000/qtr.; 90 days
$10-$10,000/qtr.; 30 days
$10-$5,000/mo.; 30 days
$30-$3,000/qtr.; 90 days
$50-$10,000/mo.; 7 days✦
$25-$25,000/yr.; 30 days✦
$50-$10,000/mo.; 7 days✦
$25-$5,000/qtr.; 90 days
$10-$6,000/qtr.; 30 days✦
$100-$10,000/mo.; 7 days✦
$100-$50,000/trans.; 7 days✦
$50-$3,000/mo.; 30 days
none
none
none
none
Comm.
SC (cash)
none
Comm. (cash)
none
none
SC & Comm. (cash)
SC
SC, Comm.
none
none
Comm.
none
none
none
SC (cash)
SC & Comm. (cash)
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
SC, Comm.
SC & Comm. (cash)
SC, Comm. (cash)
Div: 3%
none
none
Div: 3%; Cash: 3%
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
Div: 5%
none
none
none
none
none
none
none
none
none
none
none
none
Cash
Cash
Cash
Partial, Cash
Partial, Cash
Cash
$100-$5,000/qtr.; 90 days
$25-$12,000/yr.; 30 days
$25-$2,000/mo.; 30 days
$50-$25,000/qtr.; 7 days
$50-$100,000/yr.; 7 days✦
$25-$3,000/qtr.; 90 days
none
none
none
SC, Comm.
SC, Comm.
none
none
none
none
none
none
none
D
717-738-8304*
800-757-5755
800-298-6810
800-829-8432
888-268-0203
800-721-5167
D&E Communications, Inc. (M: DECC)
D&N Financial Corp. (M: DNFC)
Dana Corp. (N: DCN)
Darden Restaurants (N: DRI)
Dayton Hudson (N: DH)
Dean Foods Co. (N: DF)
Dir$1,000
Dir$500
* Telephone number is to the company. All other numbers are to the plan agent.
Spec Feat (Special Features)
IRA: IRA account
Dir$xxx: Sells initial shares directly to public; minimum purchase
Dir Only$xxx: Direct purchase plan only—no cash dividends paid; min. purch.
Options
Partial: Participants can specify a portion of shares for dividend
reinvestment and receive cash dividends on remainder.
Cash: Participants can make optional cash payments in addition
to reinvesting dividends.
Cash-No Div. Pay: Participants can make cash payments; firm is not
currently paying a dividend.
DRP10
1999 Guide to Dividend Reinvestment Plans
Cash Purchase
Min: Minimum investment amount
Max: Maximum investment amount over period specified.
Plans marked “varies” have maximums that depend on
number of shares owned.
Frequency: How frequently cash received under cash purchase option
is invested in shares
✦: Participants can have automatic investments made from
their checking or savings accounts.
Exchange Key
N = New York Stock Exchange
A = American Stock Exchange
M = Nasdaq
Telephone
800-268-7369
201-324-1225
800-837-2755
800-288-9541
800-432-0140
800-552-4034*
800-468-9716
800-446-2617
800-369-5606
800-851-4228
800-736-3001
800-247-0400*
800-368-5948
800-551-5009*
800-488-3853*
888-983-8766
Company (Exchange: Ticker)
Deere & Co. (N: DE)
Delta Air Lines, Inc. (N: DAL)
Delta Natural Gas Co., Inc. (M: DGAS)
Dexter Corp. (N: DEX)
Diebold, Inc. (N: DBD)
Dominion Resources (N: D)
Donaldson Co., Inc. (N: DCI)
Donnelley (RR) & Sons Co. (N: DNY)
Dow Chemical (N: DOW)
Dow Jones & Co. (N: DJ)
DPL Inc. (N: DPL)
DQE (N: DQE)
Drovers Bancshares Corp. (M: DROV)
DTE Energy Company (N: DTE)
Duke Energy (N: DUK)
DuPont (E.I.) (N: DD)
Spec
Feat
$500
Dir
Dir$250
Dir$1,000
Dir$100
Dir$100
Dir$250
Options
Cash Purchase:
Min-Max; Frequency
Participant
Fees
Discounts
Partial, Cash
Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
$100-$10,000/mo.; 7 days✦
$25-$10,000/yr.; 30 days
$25-$50,000/yr.; 30 days
$25-$3,000/qtr.; 30 days
$10-$5,000/qtr.; 30 days
$40-$100,000/qtr.; 15 days✦
$10-$1,000/mo.; 30 days
$10-$60,000/yr.; 30 days
$25-$25,000/qtr.; 15 days
$100-$10,000/mo.; 30 days✦
$25-$1,000/qtr.; 90 days
$10-$60,000/yr.; 30 days✦
$10-$2,000/qtr.; 90 days
$25-$100,000/yr.; 30 days
$50-$100,000/yr.; 15 days✦
$20-$5,000/mo.; 30 days
SC, Comm.
none
none
none
none
none
none
none
none
none
none
Comm.
none
SC, Comm.
none
SC, Comm.
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Cash-No Div. Pay
Cash
Cash
Partial, Cash
Cash-No Div. Pay
Partial, Cash
Cash
Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Cash
Cash
Cash
Cash
Cash
Cash
Partial, Cash
$100-$2,000/mo.; 30 days
$25-$5,000/qtr.; 90 days
$50-$150,000/yr.; 30 days✦
$10-$3,000/qtr.; 90 days
$0-$5,000/qtr.; 30 days
$0-$60,000/yr.; 7 days✦
$50-$120,000/yr.; 7 days✦
$10-$60,000/yr.; 30 days✦
$10-$60,000/yr.; 30 days
$25-$10,000/mo.; 30 days
$25-$5,000/mo.; 30 days
$10-$10,000/qtr.; 30 days
$10-$10,000/mo.; 30 days
$100-$15,000/qtr.; 30 days
$50-$5,000/mo.; 90 days
$50-$10,000/invest; 7 days✦
$10-$25,000/yr.; 15 days
$50-$120,000/yr.; 15 days
$50-$3,000/qtr.; 90 days
$25-$250,000/yr.; 7 days✦
$25-$100,000/yr.; 30 days
$50-$2,500/qtr.; 30 days
$25-$5,000/qtr.; 30 days
$10-$5,000/qtr.; 90 days
$10-$3,000/mo.; 30 days
$25-$120,000/yr.; 7 days✦
$100-$3,000/mo.; 30 days
$50-$10,000/mo.; 7 days✦
$50-$60,000/yr.; 30 days✦
$50-$50,000/yr.; 7 days✦
$25-$5,000/mo.; 30 days
$25-$15,000/qtr.; 30 days
$25-$1,000/mo.; 30 days
$50-$200,000/yr.; 7 days✦
none
none
none
none
none
none
none
none
none
none
none
none
none
SC, Comm.
none
SC & Comm. (cash)
none
none
none
none
none
none
none
none
none
none
SC & Comm. (cash)
SC & Comm. (cash)
none
none
none
none
none
none
Div: 5%; Cash: 5%
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
Div: 5%
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
E
888-269-8845
800-568-3476
800-633-3455
800-736-3001
800-736-3001
800-323-1404
800-253-6057
800-317-4445
201-324-0313
800-347-8625*
800-730-4001
800-278-4353
800-736-3001
800-250-5016
800-884-4225
888-200-3167
800-622-6757
888-213-0970
888-261-6784
888-764-5603
800-225-5643*
800-736-3001
800-736-3001
800-288-9541
800-851-9677
800-519-3111
800-333-4368
800-568-3476
800-437-8736
800-437-8736
800-589-9026
800-368-5948
800-625-5191
800-252-1800
E’Town Corp. (N: ETW)
Eagle Bancshares, Inc. (M: EBSI)
Eastern Company (The) (A: EML)
Eastern Enterprises (N: EFU)
Eastern Utilities Associates (N: EUA)
Eastman Chemical Co. (N: EMN)
Eastman Kodak (N: EK)
Eaton Corp. (N: ETN)
Ecolab Inc. (N: ECL)
Edison International (N: EIX)
EG&G Inc. (N: EGG)
EKCO Group, Inc. (N: EKO)
El Paso Energy Corp. (N: EPG)
Electronic Data Systems (N: EDS)
EMC Insurance Group (M: EMCI)
Emcee Broadcast Products (M: ECIN)
Emerald Financial Corp. (M: EMLD)
Emerson Electric Co. (N: EMR)
Empire District Electric Co. (N: EDE)
Energen Corp. (N: EGN)
Energy East Corp. (N: NEG)
EnergyNorth, Inc. (N: EI)
EnergySouth, Inc. (M: ENSI)
Enesco Group, Inc. (N: ENC)
Engelhard Corp. (N: EC)
Enron Corp. (N: ENE)
Entergy Corp. (N: ETR)
Equifax (N: EFX)
Equitable Companies (N: EQ)
Equitable Companies (N: EQ)
Equitable Resources Inc. (N: EQT)
ESB Financial Corp. (M: ESBF)
Ethyl Corp. (N: EY)
Exxon Corp. (N: XON)
Dir$250
Dir$150
Dir Only$100
Dir$250
Dir$250
Dir$1,000
Dir$500
Dir$500
Dir$500
IRA, Dir$250
* Telephone number is to the company. All other numbers are to the plan agent.
Participant Fees
none: No charges to participants for share purchases
SC: Service charge
Comm.: Prorated broker commissions for open market share
purchases
(cash): Fee levied only on shares purchased with optional cash
payments
(div): Fee levied only on shares purchased with dividends
Discounts
none: No discounts offered
Div: Discount on shares purchased with reinvested dividends
Cash: Discount on shares purchased with cash purchase
1999 Guide to Dividend Reinvestment Plans
DRP11
Telephone
Company (Exchange: Ticker)
Spec
Feat
Options
Cash Purchase:
Min-Max; Frequency
Participant
Fees
Discounts
$25-$3,000/qtr.; 90 days
$25-$250,000/yr.; 7 days✦
$25-$5,000/mo.; 30 days✦
$20-$2,500/qtr.; 90 days
$100-$5,000/qtr.; 45 days
$10-$25,000/yr.; 30 days
$10-$3,000/mo.; 30 days
$10-$3,500/qtr.; 90 days
$100-$50,000/qtr.; 30 days
$25-$2,500/mo.; 30 days
$50-$25,000/qtr.; 7 days✦
$25-$15,000/qtr.; 30 days✦
$50-$$5,000/qtr.; 5 days✦
$25-$2,500/qtr.; 30 days
$25-$3,000/qtr.; 30 days✦
$100-$1,000/qtr.; 90 days
$25-$500/mo.; 30 days
$25-$10,000/qtr.; 30 days
$50-$5,000/qtr.; 90 days
$100-$5,000/mo.; 7 days✦
$100-$5,000/qtr.; 90 days
$100-$5,000/qtr.; 30 days
$25-$3,000/qtr.; 90 days✦
$25-$3,000/qtr.; 90 days
$50-$5,000/mo.; 30 days
$25-$10,000/qtr.; 30 days
$25-$2,000/mo.; 30 days✦
$50-$10,000/qtr.; 90 days
$25-$5,000/qtr.; 30 days✦
$25-$10,000/qtr.; 30 days
$50-$10,000/qtr.; 30 days✦
$25-$100,000/yr.; 15 days✦
$50-$2,000/mo.; 30 days✦
$25-$5,000/qtr.; 90 days
$100-$5,000/mo.; 30 days
$10-$10,000/qtr.; 30 days
$25-$5,000/qtr.; 30 days
$10-$100,000/yr.; 30 days
$25-$2,000/qtr.; 90 days
$25-$3,000/mo.; 30 days
$25-$1,000/qtr.; 90 days
$100-$10,000/qtr.; 30 days
$100-$10,000/qtr.; 30 days
$25-$1,000/qtr.; 90 days
$50-$150,000/yr.; 7 days✦
$50-$150,000/yr.; 7 days✦
$100-$10,000/qtr.; 30 days
none
SC (cash)
none
none
none
SC
none
none
SC & Comm. (cash)
none
none
none
none
none
none
none
none
none
none
none
none
none
none
Comm. (cash)
none
none
none
none
none
none
none
Comm.
none
none
none
none
none
none
none
none
none
SC & Comm. (cash)
none
none
SC & Comm. (cash)
SC & Comm. (cash)
none
Div: 5%
none
none
Div: 3%; Cash: 3%
none
none
none
none
none
none
none
Div: 5%
none
none
none
Div: 5%; Cash: 5%
none
Div: 5%
none
none
none
none
none
none
none
none
Div: 1%
none
none
none
none
none
Div: 5%
none
Cash: 1.5%
none
Div: 5%
none
none
none
none
none
none
none
none
none
none
F
800-468-9716
800-910-8277
888-213-0965
800-278-4353
312-461-3309
800-524-4458
800-622-6757
800-866-1340
800-524-4458
800-837-2755
888-445-6428
888-322-6927
800-468-9716
800-368-5948
800-368-5948
610-746-7317
800-765-3353
800-524-4458
800-468-9716
800-368-5948
312-461-5545
800-962-4284
800-637-7549
800-368-5948
800-756-8200
800-468-9716
800-347-1246
800-953-2593
800-368-5948
800-730-4001
800-637-7549*
800-736-3402*
800-241-5568
800-261-0406
800-635-9270
800-317-4445
800-395-2662
800-352-1121
800-524-4458
800-633-4236
800-622-6757
800-813-2847
888-441-4362*
800-568-3476
888-236-5466
888-236-5466
800-356-2017
F & M Bancorp (M: FMBN)
Partial, Cash
Partial, Cash
Fannie Mae (N: FNM)
IRA, Dir$250
FBL Financial Group, Inc. (N: FFG)
Partial, Cash
FCNB Corp (M: FCNB)
Partial, Cash
Federal Signal Corp. (N: FSS)
Partial, Cash
Federal-Mogul (N: FMO)
Partial, Cash
Ferro Corp. (N: FOE)
Partial, Cash
Fidelity Bancorp (M: FSBI)
Cash
Fidelity National Corp. (M: LION)
Partial, Cash
Fifth Third Bancorp (M: FITB)
Partial, Cash
Partial, Cash
FINOVA Group Inc. (The) (N: FNV)
Dir$500
First American Corp. (N: FAM)
Partial, Cash
Cash
First American Financial Corp. (N: FAF)
Dir$250
First Bancorp (M: FBNC)
Partial, Cash
First Charter Corp. (M: FCTR)
Partial, Cash
First Colonial Group (M: FTCG)
Partial, Cash
First Commerce Bancshares (M: FCBIB)
Cash
First Commonwealth Financial (N: FCF)
Partial, Cash
First Federal Capital Corp. (M: FTFC)
Partial, Cash
Partial, Cash
First Financial Holdings Inc. (M: FFCH)
Dir$250
First Indiana Corp. (M: FISB)
Cash
First Midwest Bancorp, Inc. (M: FMBI)
Partial, Cash
First Northern Capital Corp. (M: FNGB)
Partial, Cash
First Savings Bancorp, Inc. (M: SOPN)
Cash
First Security Corp. (M: FSCO)
Partial, Cash
First Tennessee National (M: FTEN)
Partial, Cash
First Union Corp. (N: FTU)
Cash
First United Corp. (M: FUNC)
Partial, Cash
First Virginia Banks, Inc. (N: FVB)
Cash
First Western Bancorp Inc. (M: FWBI)
Partial, Cash
Firstar Corp. (N: FSR)
Partial, Cash
Partial, Cash
FirstEnergy (N: FE)
Dir$250
FIRSTFED Bancorp, Inc. (M: FFDB)
Partial, Cash
FirstMerit (M: FMER)
Cash
FIRSTPLUS Financial Group (N: FP)
Dir Only$1,000 Cash-No Div. Pay
Fleet Financial Group (N: FLT)
Cash
Fleming Companies, Inc. (N: FLM)
Partial, Cash
Florida Progress Corp. (N: FPC)
Partial, Cash
Florida Public Utilities Co. (A: FPU)
Partial, Cash
Flowers Industries, Inc. (N: FLO)
Partial, Cash
Flowserve Corp. (M: FLS)
Partial, Cash
Fluor Corp. (N: FLR)
Cash
FNB Corp. (M: FBAN)
Partial, Cash
FNB Financial Services Corp. (M: FNBF)
Partial, Cash
Food Lion Inc. (M: FDLNA)
Dir$250
Partial, Cash
Partial, Cash
Food Lion Inc. (M: FDLNB)
Dir$250
Foothill Indep’t Bancorp (M: FOOT)
Partial, Cash
* Telephone number is to the company. All other numbers are to the plan agent.
Spec Feat (Special Features)
IRA: IRA account
Dir$xxx: Sells initial shares directly to public; minimum purchase
Dir Only$xxx: Direct purchase plan only—no cash dividends paid; min. purch.
Options
Partial: Participants can specify a portion of shares for dividend
reinvestment and receive cash dividends on remainder.
Cash: Participants can make optional cash payments in addition
to reinvesting dividends.
Cash-No Div. Pay: Participants can make cash payments; firm is not
currently paying a dividend.
DRP12
1999 Guide to Dividend Reinvestment Plans
Cash Purchase
Min: Minimum investment amount
Max: Maximum investment amount over period specified.
Plans marked “varies” have maximums that depend on
number of shares owned.
Frequency: How frequently cash received under cash purchase option
is invested in shares
✦: Participants can have automatic investments made from
their checking or savings accounts.
Exchange Key
N = New York Stock Exchange
A = American Stock Exchange
M = Nasdaq
Telephone
800-279-1237
800-468-9716
800-225-2719*
800-851-9677
888-218-4392
800-524-4458
800-836-7370
800-278-4353
800-468-9716
800-626-0255*
Options
Cash Purchase:
Min-Max; Frequency
Participant
Fees
Discounts
Partial, Cash
Cash
Partial, Cash
Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
$50-$250,000/yr.; 7 days✦
$100-$5,000/mo.; 30 days
$50-$15,000/qtr.; 30 days
$10-$unlimited; 30 days
$100-$100,000/yr.; 90 days
$100-$50,000/mo.; 30 days
$25-$50,000/mo.; 30 days
$50-$10,000/inv.; 7 days✦
$25-$6,000/mo.; 30 days✦
$25-$5,000/mo.; 30 days
SC, Comm.
none
none
none
none
none
none
SC & Comm. (cash)
none
none
none
none
none
none
none
none
none
none
Div: 3%
none
Gannett Co., Inc. (N: GCI)
Gardner Denver Inc. (N: GDI)
GATX Corp. (N: GMT)
GB&T Bancshares, Inc. (M: GBTB)
GenCorp Inc. (N: GY)
Dir$500
General Electric (N: GE)
Dir$250
General Housewares Corp. (N: GHW)
General Mills (N: GIS)
General Motors (N: GM)
Genuine Parts Company (N: GPC)
Georgia-Pacific Group (N: GP)
German American Bancorp (M: GABC)
Gillette (N: G)
Dir$1,000
Glacier Bancorp, Inc. (M: GBCI)
Gleason Corp. (N: GLE)
Glenborough Realty Trust (N: GLB)
Dir$250
Golden Triangle Industries (M: GTII)
Goodrich (B.F.) Co. (N: GR)
Goodyr. Tire & Rubber (N: GT)
Dir$250
Gorman-Rupp Co. (A: GRC)
GPU, Inc. (N: GPU)
Grace (W.R.) (N: GRA)
Graco, Inc. (N: GGG)
Great Southern Bancorp, Inc. (M: GSBC)
Green Mountain Power (N: GMP)
Greenpoint Financial (N: GPT)
Dir$2,000
Greif Brothers Corp. (M: GBCOA)
GTE Corp. (N: GTE)
IRA
Guidant Corp. (N: GDT)
Dir Only$250
Partial, Cash
Cash-No Div. Pay
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash-No Div. Pay
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Cash
Cash
Partial, Cash
Cash
Partial, Cash
Cash
Partial, Cash
Cash
Cash
Cash-No Div. Pay
Cash
Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Cash-No Div. Pay
$10-$5,000/mo.; 30 days✦
$25-$150,000/yr.; 7 days✦
$25-$36,000/yr.; 30 days
$25-$2,500/qtr.; 90 days
$50-$10,000/mo.; 7 days✦
$10-$10,000/week; 7 days✦
$10-$1,000/mo.; 30 days
$10-$3,000/qtr.; 30 days✦
$25-$4,000/mo.; 30 days
$10-$3,000/qtr.; 30 days
$25-$5,000/mo.; 30 days✦
$100-$3,000/qtr.; 90 days
$100-$120,000/yr.; 7 days✦
$100-$2,000/qtr.; 90 days
$50-$5,000/mo.; 30 days
$100-$10,000/trans.; 7 days✦
$25-$5,000/mo.; 30 days
$25-$1,000/mo.; 30 days
$25-$150,000/yr.; 7 days✦
$20-$1,000/mo.; 30 days
$50-$6,000/qtr.; 30 days
$100-$100,000/yr.; 30 days
$25-$1,000/qtr.; 30 days
$25-$2,500/qtr.; 90 days
$50-$40,000/yr.; 30 days
$100-$10,000/mo.; 7 days✦
$100-$1,000/mo.; 30 days
$25-$100,000/yr.; 30 days✦
$50-$unlimited; 7 days✦
none
SC & Comm. (cash)
none
none
none
SC (cash)
none
none
none
none
SC
none
SC, Comm.
none
none
SC (cash), Comm.
SC (cash)
none
SC (div), Comm.
none
none
none
none
SC
none
SC & Comm. (cash)
none
SC (div)
SC, Comm.
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
Cash: 2%
none
none
none
none
none
none
none
Div: 5%
none
none
none
none
Hancock Holding Co. (M: HBHC)
Hanna (M.A.) Co. (N: MAH)
Hannaford Bros. Co. (N: HRD)
Hanover Bancorp, Inc. (M: HOVB)
Harcourt General (N: H)
Harland (John H.) Co. (N: JH)
Harley-Davidson (N: HDI)
Harleysville Group, Inc. (M: HGIC)
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Cash
Partial, Cash
$50-$5,000/qtr.; 90 days✦
$25-$3,000/mo.; 30 days
$25-$2,000/mo.; 30 days
$50-$2,500/qtr.; 90 days
$25-$2,500/qtr.; 45 days
$50-$250,000/yr.; 30 days✦
$30-$5,000/qtr.; 30 days
$100-$25,000/yr.; 90 days
none
none
none
none
none
SC & Comm. (cash)
none
none
none
none
none
none
none
none
none
none
Company (Exchange: Ticker)
Ford Motor Co. (N: F)
Fort James Corp. (N: FJ)
Fortune Brands (N: FO)
Foster Wheeler (N: FWC)
FPL Group, Inc. (N: FPL)
Franklin Resources (N: BEN)
Frontier Corp. (N: FRO)
Frontier Insurance Group (N: FTR)
Fuller (H.B.) (M: FULL)
Fulton Bank (M: FULT)
Spec
Feat
$1,000
IRA, Dir
Dir$100
G
800-778-3299
800-317-4445
800-851-9677
404-266-0663
800-524-4458
800-786-2543
800-446-2617
800-670-4763
800-331-9922
800-568-3476
800-519-3111
513-579-4355
888-218-2841
800-634-5526
888-816-7319
800-368-5968
800-940-4484
800-524-4458
800-317-4445
800-622-6757
800-263-1310
800-648-8392
800-468-9716
800-368-5948
800-851-9677
888-224-2741
800-622-6757
800-225-5160
800-317-4445
H
228-868-4414*
800-446-2617
212-509-4000
717-637-2201*
800-736-3001
800-519-3111
800-637-7549
800-851-9677
Dir$500
* Telephone number is to the company. All other numbers are to the plan agent.
Participant Fees
none: No charges to participants for share purchases
SC: Service charge
Comm.: Prorated broker commissions for open market share
purchases
(cash): Fee levied only on shares purchased with optional cash
payments
(div): Fee levied only on shares purchased with dividends
Discounts
none: No discounts offered
Div: Discount on shares purchased with reinvested dividends
Cash: Discount on shares purchased with cash purchase
1999 Guide to Dividend Reinvestment Plans
DRP13
Telephone
Company (Exchange: Ticker)
800-313-9450
800-526-0801
800-254-2823
201-324-0498
800-733-5001
808-532-5841*
800-633-4236
800-253-3399
800-237-9980
800-446-2617
800-851-4216
800-286-5977
800-814-0305
888-665-9611
800-577-0177
800-730-4001
800-647-7147
800-468-9716
800-730-4001
800-926-2335
800-730-4001
800-851-9677
800-851-9677
800-278-4353
800-942-5909
800-725-0674
Harris Corp. (N: HRS)
Harsco Corp. (N: HSC)
Hartford Financial Servs Grp (N: HIG)
Hartmarx Corp. (N: HMX)
Hasbro Inc. (A: HAS)
Hawaiian Elec. Ind. (N: HE)
Heilig-Meyers Co. (N: HMY)
Heinz (H.J.) (N: HNZ)
Hercules, Inc. (N: HPC)
Herman Miller, Inc. (M: MLHR)
Hershey Foods (N: HSY)
Hewlett-Packard (N: HWP)
Hibernia Corp. (N: HIB)
Hillenbrand Industries (N: HB)
Home Depot (N: HD)
Homestake Mining Company (N: HM)
Honeywell Inc. (N: HON)
Hormel Foods Corp. (N: HRL)
Houghton Mifflin Co. (N: HTN)
Household International, Inc. (N: HI)
HSB Group, Inc. (N: HSB)
Hubbell, Inc. (N: HUBA)
Hubbell, Inc. (N: HUBB)
Hubco, Inc. (M: HUBC)
Huffy Corp. (N: HUF)
Huntington Bancshares (M: HBAN)
Spec
Feat
Dir$250
IRA, Dir$500
Dir$250
Dir$250
Options
Cash Purchase:
Min-Max; Frequency
Participant
Fees
Discounts
Cash
Partial, Cash
Partial, Cash
Cash-No Div. Pay
Cash
Partial, Cash
Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Cash
Cash
Partial, Cash
Cash
Cash
Partial, Cash
Partial, Cash
Cash
Cash
Partial, Cash
$10-$5,000/qtr.; 30 days✦
$10-$unlimited; 30 days
$50-$5,000/mo.; 7 days
$25-$1,000/mo.; 30 days
$25-$2,000/mo.; 30 days✦
$25-$120,000/yr.; 15 days✦
$10-$2,500/mo.; 30 days
$25-$5,000/mo.; 30 days
$50-$2,000/mo.; 30 days
$25-$60,000/yr.; 30 days✦
$100-$10,000/mo.; 7 days✦
$50-$10,000/mo.; 30 days✦
$100-$3,000/mo.; 30 days
$100-$50,000/yr.; 7 days✦
$25-$100,000/yr.; 3 days✦
$25-$5,000/qtr.; 30 days
$25-$3,000/mo.; 30 days
$25-$20,000/qtr.; 30 days✦
$25-$3,000/qtr.; 45 days
$50-$5,000/qtr.; 30 days
$10-$1,000/mo.; 30 days
$100-$5,000/qtr.; 30 days
$100-$5,000/qtr.; 30 days
$10-$20,000/qtr.; 30 days✦
$10-$1,000/mo.; 30 days
$200-$10,000/qtr.; 90 days✦
none
none
none
none
none
SC (div), Comm.
none
none
SC & Comm. (cash)
SC & Comm. (cash)
SC & Comm. (cash)
SC, Comm.
none
SC & Comm. (cash)
SC, Comm.
SC (cash)
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
Div: 5%
none
none
none
none
none
none
Div: 2.5%
none
none
none
none
none
none
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Cash-No Div. Pay
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Cash
Cash
Partial, Cash
Cash
Cash
Partial, Cash
Cash
Cash
Partial, Cash
$10-$15,000/qtr.; 90 days
$25-$5,000/mo.; 30 days
$25-$5,000/qtr.; 90 days
$25-$60,000/yr.; 15 days✦
$100-$5,000/qtr.; 30 days
$50-$10,000/qtr.; 90 days
$50-$5,000/qtr.; 90 days✦
$25-$50,000/yr.; 30 days✦
$10-$3,000/qtr.; 30 days
$250-$3,000/trans.; 30 days
$10-$unlimited; 30 days
$25-$15,000/mo.; 30 days✦
$25-$unlimited; 30 days✦
$50-$250,000/yr.; 7 days✦
$25-$5,000/mo.; 30 days
$10-$60,000/yr.; 30 days
$50-$20,000/yr.; 7 days✦
$10-$3,000/qtr.; 90 days
$50-$3,000/qtr.; 30 days
$25-$120,000/yr.; 30 days✦
Comm.
Comm.
none
none
none
none
none
none
none
none
none
none
Comm.
SC
none
none
none
SC
none
none
none
none
none
none
none
none
none
none
none
Div: 4%; Cash: 3%
none
none
none
none
none
none
none
none
none
none
I
800-635-5406*
800-622-6757
888-829-7424
800-800-8220*
800-524-4458
800-387-0825
800-257-1770
800-446-2617
800-524-4458
800-942-5909
800-829-8432
800-298-0146
212-509-4000
888-421-8860
800-524-4458
800-468-9716
800-678-8715
201-324-0498
816-860-7761
800-356-5343*
IDACORP, Inc. (N: IDA)
IKON Office Solutions, Inc. (N: IKN)
Illinois Tool Works, Inc. (N: ITW)
Illinova Corp. (N: ILN)
Imperial Sugar Company (A: IHK)
Inco Ltd. (N: N)
Independent Bank Corp. (M: IBCP)
Indiana Energy (N: IEI)
Ingersoll-Rand (N: IR)
Innkeepers USA Trust (N: KPA)
Insteel Ind., Inc. (N: III)
Intel Corp. (M: INTC)
Interchange Financial Services (A: ISB)
International Business Machines (N: IBM)
International Flavors & Fragrances (N: IFF)
International Multifoods Corp. (N: IMC)
International Paper (N: IP)
Interpublic Group of Cos. (N: IPG)
Interstate Bakeries Corp. (N: IBC)
Interstate Energy (Alliant Engy) (N: LNT)
Dir$250
Dir$250
Dir$100
Dir$500
Dir$500
Dir$250
* Telephone number is to the company. All other numbers are to the plan agent.
Spec Feat (Special Features)
IRA: IRA account
Dir$xxx: Sells initial shares directly to public; minimum purchase
Dir Only$xxx: Direct purchase plan only—no cash dividends paid; min. purch.
Options
Partial: Participants can specify a portion of shares for dividend
reinvestment and receive cash dividends on remainder.
Cash: Participants can make optional cash payments in addition
to reinvesting dividends.
Cash-No Div. Pay: Participants can make cash payments; firm is not
currently paying a dividend.
DRP14
1999 Guide to Dividend Reinvestment Plans
Cash Purchase
Min: Minimum investment amount
Max: Maximum investment amount over period specified.
Plans marked “varies” have maximums that depend on
number of shares owned.
Frequency: How frequently cash received under cash purchase option
is invested in shares
✦: Participants can have automatic investments made from
their checking or savings accounts.
Exchange Key
N = New York Stock Exchange
A = American Stock Exchange
M = Nasdaq
Telephone
Company (Exchange: Ticker)
800-622-6757
201-324-0313
800-877-0153*
800-937-5449
800-254-2823
Invacare (M: IVCR)
Investors Financial Services (M: IFIN)
IPALCO Enterprises Inc. (N: IPL)
Iroquois Bancorp (M: IROQ)
ITT Industries (N: IIN)
Spec
Feat
Dir$250
Dir$250
Dir$500
Options
Cash Purchase:
Min-Max; Frequency
Participant
Fees
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Cash
$10-$5,000/mo.; 30 days
none
$100-$unlimited; 7 days✦
SC & Comm. (cash)
$25-$100,000/yr.; 15 days✦ Comm.
$25-$3,000/qtr.; 30 days
none
$50-$10,000/trans.; 7 days✦ none
none
none
none
none
none
Cash-No Div. Pay
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Cash-No Div. Pay
Partial, Cash
Cash
Partial, Cash
Cash
$10-$1,000/mo.; 30 days
$20-$2,000/mo.; 30 days
$25-$50,000/yr.; 30 days✦
$50-$15,000/qtr.; 30 days✦
$25-$1,000/mo.; 30 days
$25-$100,000/yr.; 1 day✦
$50-$60,000/yr.; 30 days✦
$50-$5,000/qtr.; 30 days
$10-$4,000/mo.; 30 days✦
$25-$25,000/yr.; 30 days✦
$25-$3,000/mo.; 30 days
$25-$4,000/qtr.; 90 days
$10-$3,000/qtr.; 30 days
$10-$10,000/mo.; 30 days
$25-$150,000/yr.; 7 days✦
$100-$5,000/qtr.; 90 days
$25-$3,000/qtr.; 45 days
$25-$100,000/yr.; 30 days
$25-$8,000/qtr.; 7 days✦
$25-$1,000/mo.; 30 days
$25-$10,000/mo.; 7 days
$25-$1,000/mo.; 30 days
none
none
none
none
none
Comm.
SC & Comm. (cash)
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
Div: 5%
none
none
none
none
none
none
none
none
none
none
Cash
Partial, Cash
Cash
Partial, Cash
Cash
Cash-No Div. Pay
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
$25-$1,000/mo.; 30 days
$25-$5,000/qtr.; 90 days
$100-$30,000/yr.; 90 days
$50-$20,000/yr.; 30 days
$10-$1,000/mo.; 30 days
$50-$150,000/yr.; 30 days
$50-$175,000/yr.; 7 days✦
$25-$5,000/mo.; 30 days
$25-$40,000/yr.; 30 days
$20-$5,000/trans.; 7 days✦
$50-$150,000/yr.; 7 days✦
$100-$5,000/mo.; 30 days
$30-$6,000/qtr.; 45 days
$25-$5,000/mo.; 30 days
$25-$60,000/yr.; 30 days
$100-$5,000/qtr.; 90 days
$50-$100,000/yr.; 30 days
$25-$5,000/qtr.; 7 days✦
$25-$12,000/yr.; 30 days
$10-$1,000/mo.; 45 days
none
none
none
none
SC (cash)
SC (cash)
none
none
none
Comm.
SC, Comm.
none
none
none
none
none
none
SC, Comm. (cash)
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
Discounts
J/K
800-468-9716
800-829-8432
800-328-9033
800-828-1489
800-468-9716
800-524-4458
800-227-0291
816-860-7787
800-446-2617
800-323-6138
312-360-5168
800-756-3353
877-860-5820
800-539-7216
800-482-3638
718-921-8200
800-730-4001
800-336-6981
800-847-4351
312-360-5341
800-758-4672
800-730-4001
Jacobson Stores Inc. (M: JCBS)
Jefferson-Pilot Corp. (N: JP)
Johnson & Johnson (N: JNJ)
Johnson Controls (N: JCI)
Jostens (N: JOS)
Justin Ind., Inc. (M: JSTN)
Kaman Corp. (M: KAMNA)
Kansas City Southern Ind., Inc. (N: KSU)
Keithley Instruments (N: KEI)
Kellogg (N: K)
Kellwood Co. (N: KWD)
Kennametal, Inc. (N: KMT)
Kerr-McGee (N: KMG)
KeyCorp (N: KEY)
Keyspan Energy (N: KSE)
Keystone Financial, Inc. (M: KSTN)
Kimberly-Clark Corp. (N: KMB)
Kmart Corp. (N: KM)
KN Energy, Inc. (N: KNE)
Knape & Vogt Manufac’g (M: KNAP)
Knight Ridder Inc. (N: KRI)
Kollmorgen Corp. (N: KOL)
Dir$500
Dir$500
Dir$250
Dir$100
Dir$750
Dir$250
L
212-936-5100
800-937-5449
800-884-4225
800-937-5449
800-633-4236
800-524-4458
800-824-5707
800-622-6757
800-245-7630
800-524-4458
800-833-8699
800-942-5909
800-317-4445
800-317-4445
201-324-0313
800-368-5948
800-519-3111
888-213-0886
201-324-1644
800-633-4236
La-Z-Boy, Inc. (N: LZB)
Lab Holdings, Inc. (M: LABH)
Laclede Gas Company (N: LG)
Lancaster Colony Corp. (M: LANC)
Lance, Inc. (M: LNCE)
Lear Corp. (N: LEA)
Lehman Brothers Holdings Inc. (N: LEH)
LESCO, Inc. (M: LSCO)
LG&E Energy Corp. (N: LGE)
Libbey Inc. (N: LBY)
Lilly (Eli) & Co. (N: LLY)
Lilly Industries, Inc. (N: LI)
Limited (The) (N: LTD)
Lincoln National Corp. (N: LNC)
Liz Claiborne, Inc. (N: LIZ)
LNB Bancorp, Inc. (M: LNBB)
Lockheed Martin (N: LMT)
Longs Drug Stores (N: LDG)
Louisiana-Pacific Corp. (N: LPX)
Lowe’s Companies, Inc. (N: LOW)
Dir Only$250
Dir$500
Dir$100
Dir$1,000
Dir$500
* Telephone number is to the company. All other numbers are to the plan agent.
Participant Fees
none: No charges to participants for share purchases
SC: Service charge
Comm.: Prorated broker commissions for open market share
purchases
(cash): Fee levied only on shares purchased with optional cash
payments
(div): Fee levied only on shares purchased with dividends
Discounts
none: No discounts offered
Div: Discount on shares purchased with reinvested dividends
Cash: Discount on shares purchased with cash purchase
1999 Guide to Dividend Reinvestment Plans
DRP15
Telephone
Company (Exchange: Ticker)
800-633-4236
800-937-5449
800-937-5449
888-582-3686
800-524-4458
LSB Bancshares, Inc. (M: LXBK)
Lubrizol Corp. (N: LZ)
Luby’s Inc. (N: LUB)
Lucent Technologies Inc. (N: LU)
Lyondell Chemical Co. (N: LYO)
Spec
Feat
IRA, Dir$1,000
Options
Cash Purchase:
Min-Max; Frequency
Participant
Fees
Discounts
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
$25-$1,000/qtr.; 90 days
$25-$5,000/qtr.; 90 days
$20-$5,000/qtr.; 30 days
$100-$50,000/trans.; 1 day✦
$25-$10,000/qtr.; 90 days
none
none
none
SC, Comm.
none
none
none
none
none
none
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
$10-$1,000/mo.; 30 days✦
$50-$unlimited; 90 days
$50-$250,000/yr.; 7 days✦
$25-$25,000/qtr.; 30 days✦
$25-$5,000/mo.; 30 days
$100-$100,000/yr.; 30 days✦
$10-$60,000/yr.; 30 days
$25-$10,000/yr.; 30 days
$100-$1,500/mo.; 30 days
$50-$5,000/mo.; 30 days
$25-$60,000/yr.; 30 days
$10-$3,000/qtr.; 90 days
$100-$5,000/mo.; 30 days
$100-$5,000/mo.; 30 days
$25-$3,000/qtr.; 30 days
$25-$6,000/qtr.; 90 days
$50-$5,000/mo.; 30 days
$100-$5,000/mo.; 30 days
$50-$5,000/qtr.; 90 days
$100-$100,000/yr.; 7 days✦
$25-$unlimited; 1 day
$25-$5,000/mo.; 30 days✦
$50-$50,000/yr.; 30 days
$50-$250,000/yr.; 7 days✦
$100-$250,000/yr.; 7 days✦
$100-$10,000/mo.; 7 days✦
$10-$60,000/yr.; 30 days✦
$25-$150,000/yr.; 7 days✦
$50-$5,000/mo.; 30 days✦
$25-$6,000/mo.; 30 days
$25-$50,000/yr.; 7 days✦
$100-$1,000/qtr.; 90 days
$25-$5,000/mo.; 30 days
$25-$4,000/mo.; 30 days✦
$100-$100,000/yr.; 7 days✦
$100-$10,000/mo.; 7 days✦
$25-$5,000/qtr.; 90 days
$25-$3,000/qtr.; 90 days
$50-$50,000/yr.; 7 days✦
SC, Comm.
none
none
Comm.
none
SC, Comm.
none
none
none
none
SC, Comm.
SC
none
none
none
none
none
none
none
SC & Comm. (cash)
SC
none
none
SC, Comm.
SC (cash), Comm.
none
none
none
none
none
none
none
none
none
none
SC & Comm. (cash)
none
none
SC, Comm.
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
Div: 5%; Cash: 5%
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
Div: 5%
none
none
none
Div: 5%
none
none
M
800-730-4001
312-461-2302
201-324-1644
800-356-6423*
312-427-2953
800-446-2617
800-446-2617
800-851-9677
800-637-7549
800-278-4353
800-311-4816
800-457-8968
800-622-6757
800-622-6757
800-730-4001
800-568-3476
800-524-4458
800-278-4353
800-730-4001
888-909-9922
800-524-4458
888-237-0935
800-424-5855*
800-446-2617
800-621-7825
888-201-5538
800-414-6280
800-344-9713
800-468-9716
800-730-4001
800-519-3111
800-426-5523
800-633-4236
800-468-9716
800-205-7699
800-720-0417
800-524-4458
312-461-6509
888-291-3713
M & T Bank Corp. (N: MTB)
MacDermid, Inc. (N: MRD)
Macerich Co. (N: MAC)
Dir$250
Madison Gas & Electric Co. (M: MDSN)
Dir$500
Mahaska Trans. Company (M: OSKY)
Mallinckrodt Inc. (N: MKG)
IRA, Dir$500
Manitowoc Co. (N: MTW)
Manpower (N: MAN)
Marcus Corp. (The) (N: MCS)
Mark IV Industries (N: IV)
Marriott International, Inc. (N: MAR)
Marsh & McLennan Co., Inc. (N: MMC)
Marsh Supermarkets (M: MARSA)
Marsh Supermarkets (M: MARSB)
Marshall & Ilsley Corp. (M: MRIS)
Martin Industries (M: MTIN)
Masco Corp. (N: MAS)
Mason-Dixon Bancshares (M: MSDX)
MASSBANK Corp. (M: MASB)
Mattel Inc. (N: MAT)
Dir$500
May Dept. Stores Co. (N: MAY)
Maytag Corp. (N: MYG)
McCormick & Co. (M: MCCRK)
Dir$250
McDermott International Inc. (N: MDR)
Dir$500
McDonald’s Corp. (N: MCD)
IRA, Dir$1,000
McGraw-Hill Companies (N: MHP)
Dir$500
McKesson HBOC Inc. (N: MCK)
MCN Energy Group, Inc. (N: MCN)
IRA, Dir$250
MDU Resources Group (N: MDU)
Dir$500
Mead Corp. (N: MEA)
Meadowbrook Insurance Grp (N: MIG)
Dir$250
Medford Bancorp (M: MDBK)
Media General, Inc. (A: MEGA)
Medtronic, Inc. (N: MDT)
Mellon Bank Corp. (N: MEL)
Dir$500
Mercantile Bancorporation (N: MTL)
Dir$500
Mercantile Bankshares Corp. (M: MRBK)
Merchants Bancorp Inc. (M: MBIA)
Merck & Co., Inc. (N: MRK)
Dir$350
* Telephone number is to the company. All other numbers are to the plan agent.
Spec Feat (Special Features)
IRA: IRA account
Dir$xxx: Sells initial shares directly to public; minimum purchase
Dir Only$xxx: Direct purchase plan only—no cash dividends paid; min. purch.
Options
Partial: Participants can specify a portion of shares for dividend
reinvestment and receive cash dividends on remainder.
Cash: Participants can make optional cash payments in addition
to reinvesting dividends.
Cash-No Div. Pay: Participants can make cash payments; firm is not
currently paying a dividend.
DRP16
1999 Guide to Dividend Reinvestment Plans
Cash Purchase
Min: Minimum investment amount
Max: Maximum investment amount over period specified.
Plans marked “varies” have maximums that depend on
number of shares owned.
Frequency: How frequently cash received under cash purchase option
is invested in shares
✦: Participants can have automatic investments made from
their checking or savings accounts.
Exchange Key
N = New York Stock Exchange
A = American Stock Exchange
M = Nasdaq
Options
Cash Purchase:
Min-Max; Frequency
Participant
Fees
Discounts
Meridian Diagnostics (M: KITS)
Meritor Automotive, Inc. (N: MRA)
Dir$500
Merrill Lynch (N: MER)
Met-Pro Corp. (N: MPR)
Dir$1,000
Michaels Stores (M: MIKE)
Dir Only$500
Michigan Financial Corp. (M: MFCB)
Middlesex Water (M: MSEX)
MidSouth Bancorp, Inc. (A: MSL)
IRA, Dir$1,000
Milacron, Inc. (N: MZ)
Millipore Corp. (N: MIL)
Minnesota Mining & Mfg (N: MMM)
Minnesota Power, Inc. (N: MPL)
Dir$250
Mobil Corp. (N: MOB)
IRA, Dir$250
Modine Manufacturing Co. (M: MODI)
Dir$500
Monmouth Capital Corp. (M: MONM)
Monsanto Co. (N: MTC)
Montana Power (The) (N: MTP)
Morgan (J.P.) & Co. (N: JPM)
Morgan Stanley Dean Witter & Co. (N: MWD) Dir$1,000
Motorola, Inc. (N: MOT)
Dir$500
Myers Industries, Inc. (A: MYE)
Mylan Laboratories (N: MYL)
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Cash-No Div. Pay
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
$25-$1,000/mo.; 30 days
$50-$100,000/yr.; 7 days✦
$50-$unlimited; 30 days
$100-$5,000/mo.; 30 days✦
$100-$2,500/mo.; 30 days
$25-$1,000/qtr.; 30 days
$25-$25,000/qtr.; 30 days
$100-$10,000/qtr.; 7 days✦
$25-$1,000/mo.; 30 days
$25-$3,000/qtr.; 90 days
$10-$10,000/qtr.; 30 days✦
$10-$100,000/yr.; 30 days✦
$10-$7,500/mo.; 7 days
$10-$5,000/mo.; 30 days✦
$500-$40,000/mo.; 30 days
$25-$100,000/yr.; 30 days✦
$25-$60,000/yr.; 15 days✦
$50-$5,000/mo.; 30 days
$100-$40,000/yr.; 15 days✦
$100-$120,000/yr.; 7 days✦
$50-$2,500/qtr.; 90 days
$50-$5,000/qtr.; 90 days
SC
SC, Comm.
SC (cash)
none
none
none
none
none
none
none
none
none
none
none
none
SC
Comm.
none
none
SC & Comm. (cash)
none
none
none
none
none
Div: 3%
none
none
none
none
none
none
none
none
none
none
Div: 5%; Cash: 5%
none
none
none
none
none
none
none
Nalco Chemical Co. (N: NLC)
Nash Finch Company (M: NAFC)
Nashua Corp. (N: NSH)
National Bancorp of Alaska (M: NBAK)
National City Bancshares (M: NCBE)
National City Corp. (N: NCC)
National Commerce Bancorp. (M: NCBC)
National Data Corp. (N: NDC)
National Fuel Gas (N: NFG)
National Service Industries, Inc. (N: NSI)
National-Standard Co. (N: NSD)
Nationwide Financial Services (N: NFS)
Neiman Marcus Group (N: NMG)
New Century Energies (N: NCE)
New England Business Service (N: NEB)
New England Electric System (N: NES)
New Jersey Resources Corp. (N: NJR)
New York Times Co. (N: NYT)
Newell Rubbermaid Inc. (N: NWL)
Newport Corp. (M: NEWP)
Newport News Shipbuilding (N: NNS)
Niagara Mohawk Holdings Inc. (N: NMK)
Nicor Inc. (N: GAS)
NiSource Inc. (N: NI)
Nordson Corp. (M: NDSN)
Norfolk Southern Corp. (N: NSC)
North Carolina Natural Gas (N: NCG)
North Fork Bancorp (N: NFB)
Northeast Utilities (N: NU)
Partial, Cash
Partial, Cash
Cash-No Div. Pay
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Cash
Partial, Cash
Cash-No Div. Pay
Partial, Cash
Cash-No Div. Pay
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Cash-No Div. Pay
Cash
Cash
Cash
Cash
Partial, Cash
Partial, Cash
Cash-No Div. Pay
$25-$15,000/qtr.; 90 days✦
$10-$1,000/mo.; 30 days
$100-$5,000/qtr.; 45 days
$50-$10,000/qtr.; 30 days
$100-$10,000/mo.; 30 days✦
$50-$500/mo.; 30 days✦
$100-$3,500/mo.; 45 days
$25-$1,000/qtr.; 30 days
$25-$5,000/mo.; 30 days
$25-$350,000/yr.; 7 days✦
$10-$3,000/mo.; 30 days
$100-$120,000/yr.; 7 days✦
$25-$2,500/45 days; 45 days
$25-$100,000/yr.; 30 days✦
$50-$100,000/yr.; 7 days✦
$25-$5,000/mo.; 30 days✦
$25-$60,000/yr.; 15 days✦
$10-$3,000/qtr.; 90 days
$10-$30,000/yr.; 30 days✦
$50-$10,000/trans.; 7 days✦
$50-$250,000/yr.; 5 days✦
$25-$50,000/yr.; 30 days
$50-$5,000/mo.; 30 days
$25-$5,000/qtr.; 30 days
$10-$4,000/qtr.; 30 days
$10-$3,000/qtr.; 90 days
$100-$3,000/mo.; 30 days
$200-$15,000/mo.; 30 days
$100-$25,000/mo.; 30 days
none
none
none
none
none
none
none
none
none
Comm. (cash)
none
SC, Comm.
none
Comm.
SC, Comm. (cash)
none
none
none
none
SC & Comm. (cash)
SC, Comm.
none
none
none
none
SC
none
none
Comm.
none
none
none
none
none
Div: 3%; Cash: 3%
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
Div: 5%
none
none
Telephone
Company (Exchange: Ticker)
800-837-2755
800-519-3111
212-602-8459*
800-278-4353
800-577-4676
800-468-9716
800-368-5948
888-216-8113
800-426-5754
800-730-4001
800-401-1952
800-535-3056*
800-648-9291
800-468-9716
800-526-0801
888-312-8333
800-245-6767*
800-519-3111
800-622-2393
800-704-4098
201-324-0498
212-936-5100
Spec
Feat
N
800-446-2617
800-468-9716
781-575-3100
888-748-7878*
800-837-2755
800-622-6757
800-524-4458
800-568-3476
800-648-8166
888-836-5069
800-426-5523
800-446-2617
800-730-4001
800-783-4893
800-736-3001
800-466-7215
800-817-3955
800-414-6280
800-317-4445
888-200-3169
800-519-3111
800-448-5450*
630-305-9500*
800-554-3406
800-622-6757
800-432-0140
800-633-4236
800-317-4445
800-999-7269*
Dir$600
Dir$500
Dir$250
Dir$100
Dir$500
* Telephone number is to the company. All other numbers are to the plan agent.
Participant Fees
none: No charges to participants for share purchases
SC: Service charge
Comm.: Prorated broker commissions for open market share
purchases
(cash): Fee levied only on shares purchased with optional cash
payments
(div): Fee levied only on shares purchased with dividends
Discounts
none: No discounts offered
Div: Discount on shares purchased with reinvested dividends
Cash: Discount on shares purchased with cash purchase
1999 Guide to Dividend Reinvestment Plans
DRP17
Telephone
Company (Exchange: Ticker)
800-527-4677*
800-647-4273
503-220-2590*
800-677-6716*
800-937-5449
800-374-5775
Northern States Power (N: NSP)
Northrop Grumman Corp. (N: NOC)
Northwest Natural Gas (M: NWNG)
NorthWestern Corp. (N: NOR)
Nucor Corp. (N: NUE)
NUI Corp. (N: NUI)
Spec
Feat
Dir$500
Options
Cash Purchase:
Min-Max; Frequency
Participant
Fees
Discounts
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
$25-$10,000/qtr.; 30 days
$100-$1,000/mo.; 30 days
$0-$50,000/yr.; 30 days
$10-$10,000/mo.; 30 days✦
$10-$1,000/mo.; 30 days
$25-$60,000/yr.; 7 days✦
none
none
none
none
none
none
none
none
none
none
none
none
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
$50-$1,000/mo.; 30 days
$25-$100,000/yr.; 7 days✦
$10-$60,000/yr.; 30 days✦
$25-$2,000/mo.; 30 days
$25-$5,000/qtr.; 30 days
$50-$50,000/yr.; 30 days✦
$100-$5,000/qtr.; 90 days
$50-$5,000/mo.; 30 days
$10-$5,000/mo.; 30 days
$10-$1,000/mo.; 30 days
$25-$3,000/qtr.; 90 days
$25-$100,000/yr.; 5 days✦
$10-$5,000/mo.; 30 days
$25-$25,000/yr.; 30 days
$100-$120,000/yr.; 7 days✦
none
none
SC
none
none
none
none
SC, Comm. (cash)
none
none
none
none
none
none
none
none
none
none
none
none
Div: 3%
none
none
none
none
none
none
none
none
none
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
$50-$5,000/yr.; 90 days
$25-$5,000/qtr.; 30 days✦
$25-$100,000/yr.; 15 days✦
$10-$3,000/qtr.; 90 days
$100-$5,000/mo.; 30 days
$10-$5,000/mo.; 30 days
$100-$10,000/qtr.; 15 days
$0-$50,000/yr.; 30 days
$25-$10,000/mo.; 7 days✦
$100-$3,000/qtr.; 90 days
$10-$10,000/qtr.; 30 days✦
$50-$60,000/yr.; 30 days✦
$50-$60,000/yr.; 30 days✦
$10-$3,000/qtr.; 30 days
$100-$2,000/qtr.; 90 days
$25-$100,000/yr.; 15 days✦
$100-$10,000/qtr.; 90 days
$25-$5,000/mo.; 15 days
$50-$10,000/mo.; 30 days✦
$50-$100,000/yr.; 7 days✦
none
none
SC (div)
none
none
none
none
none
SC & Comm. (cash)
none
none
none
none
none
none
none
none
none
none
SC, Comm. (cash)
none
none
none
none
none
none
none
none
none
Div: 5%
Div: 5%; Cash: 5%
none
none
none
none
none
none
none
none
none
O
800-622-9231
888-216-8114
800-317-4445
800-937-5449
800-652-2657*
800-677-1749*
201-324-0313
800-306-8594
800-622-6757
800-317-4445
312-461-2302
888-764-5595
800-664-1259*
800-524-4458
800-953-2596
Occidental Petroleum Corp. (N: OXY)
OGE Energy Corp. (N: OGE)
Ohio Casualty Corp. (M: OCAS)
Old Guard Group, Inc. (M: OGGI)
Old Kent Financial Corp. (N: OK)
Old National Bancorp (M: OLDB)
Old Republic International (N: ORI)
Olin Corp. (N: OLN)
OM Group (N: OMP)
Omnicare, Inc. (N: OCR)
One Valley Bancorp, Inc. (N: OV)
ONEOK, Inc. (N: OKE)
Otter Tail Power Co. (M: OTTR)
Owens & Minor, Inc. (N: OMI)
Owens Corning (N: OWC)
IRA, Dir$250
Dir$500
IRA, Dir$250
Dir$1,000
P
800-368-5948
800-509-5586
800-233-5453*
800-851-9677
800-633-4236
800-633-4236
800-937-5449
800-626-8729
800-642-9844
800-730-4001
800-851-9677
888-795-7862*
888-795-7862*
800-468-9716
334-875-1000*
800-901-8878*
800-937-5449
800-226-0083
800-733-9393
800-323-1849
PAB Bankshares (AMEX: PAB)
Pacific Century Financial Corp. (N: BOH)
Pacificorp (N: PPW)
Dir$250
PaineWebber Group (N: PWJ)
Pall Corp. (N: PLL)
Parker-Hannifin Corp. (N: PH)
Paychex, Inc. (M: PAYX)
PECO Energy (N: PE)
Penney (J.C.) (N: JCP)
Dir$250
Pennichuck Corp. (M: PNNW)
Pennsylvania Enterprises, Inc. (N: PNT) IRA
PennzEnergy Company (N: PZE)
Pennzoil-Quaker State Co. (N: PZL)
Pentair, Inc. (N: PNR)
Peoples BancTrust Co., Inc. (M: PBTC)
Peoples Energy Corp. (N: PGL)
Dir$250
Pep Boys (N: PBY)
PepsiCo Inc. (N: PEP)
Pfizer Inc. (N: PFE)
Pharmacia & Upjohn (N: PNU)
Dir$250
* Telephone number is to the company. All other numbers are to the plan agent.
Spec Feat (Special Features)
IRA: IRA account
Dir$xxx: Sells initial shares directly to public; minimum purchase
Dir Only$xxx: Direct purchase plan only—no cash dividends paid; min. purch.
Options
Partial: Participants can specify a portion of shares for dividend
reinvestment and receive cash dividends on remainder.
Cash: Participants can make optional cash payments in addition
to reinvesting dividends.
Cash-No Div. Pay: Participants can make cash payments; firm is not
currently paying a dividend.
DRP18
1999 Guide to Dividend Reinvestment Plans
Cash Purchase
Min: Minimum investment amount
Max: Maximum investment amount over period specified.
Plans marked “varies” have maximums that depend on
number of shares owned.
Frequency: How frequently cash received under cash purchase option
is invested in shares
✦: Participants can have automatic investments made from
their checking or savings accounts.
Exchange Key
N = New York Stock Exchange
A = American Stock Exchange
M = Nasdaq
Telephone
800-279-1240
800-205-8314
800-442-0077
800-356-0066
800-633-4236
800-633-4236
888-884-8086
800-457-2983*
800-730-4001
800-622-6757
800-648-8170
212-936-5100
800-982-7652
800-730-4001
787-764-1893*
312-461-2302
800-527-3726*
800-345-3085*
800-648-8160
800-432-0140
800-937-5449
800-764-7483*
800-524-4458
888-269-8845
800-730-4001
800-446-2617
800-317-4445
800-829-8432
800-545-4425*
800-242-0813*
800-997-8438
Options
Cash Purchase:
Min-Max; Frequency
Participant
Fees
Discounts
$1,000
Phelps Dodge (N: PD)
Dir
Philadelphia Suburban Corp. (N: PSC) IRA, Dir$500
Philip Morris (N: MO)
Phillips Petroleum Co. (N: P)
Dir$500
Piccadilly Cafeterias Inc. (N: PIC)
Piedmont Natural Gas (N: PNY)
Dir$250
Pier 1 Imports Inc. (N: PIR)
Dir$500
Pinnacle West Capital Corp. (N: PNW)
Dir$500
Pioneer Hi-Bred Int’l, Inc. (N: PHB)
Pioneer Standard Electronics (M: PIOS)
Pitney Bowes (N: PBI)
PMC Capital, Inc. (A: PMC)
PNC Bank Corp. (N: PNC)
Polaroid Corp. (N: PRD)
Popular, Inc. (M: BPOP)
Dir$100
Potlatch Corp. (N: PCH)
Potomac Electric Power (N: POM)
PP&L Resources Inc. (N: PPL)
PPG Industries (N: PPG)
Praxair, Inc. (N: PX)
Prime Bancorp (M: PBNK)
Procter & Gamble (N: PG)
Dir$250
Protective Life Corp. (N: PL)
Providence Energy Corp. (N: PVY)
Provident Bankshares Corp. (M: PBKS)
Provident Companies, Inc. (N: PVT)
Providian Financial (N: PVN)
Dir$500
Public Service Co. of NC, Inc. (N: PGS)
Dir$250
Public Service Co. of NM (N: PNM)
Dir$500
Public Service Enterprise Grp. (N: PEG)
Dir$250
Puget Sound Energy (N: PSD)
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
$100-$10,000/mo.; 7 days✦
$50-$30,000/yr.; 90 days✦
$10-$60,000/yr.; 30 days✦
$50-$10,000/mo.; 7 days✦
$100-$5,000/qtr.; 90 days
$25-$3,000/mo.; 30 days✦
$50-$5,000/mo.; 7 days✦
$0-$60,000/yr.; 30 days✦
$25-$5,000/mo.; 30 days
$25-$5,000/mo.; 30 days
$100-$3,000/qtr.; 30 days
$50-$5,000/mo.; 30 days
$50-$5,000/mo.; 30 days✦
$10-$3,000/qtr.; 90 days
$25-$10,000/mo.; 30 days
$25-$1,000/mo.; 30 days
$25-$5,000/mo.; 30 days
$0-$80,000/yr.; 30 days
$10-$3,000/qtr.; 30 days
$50-$24,000/yr.; 30 days
$50-$5,000/qtr.; 90 days
$100-$120,000/yr.; 7 days✦
$25-$6,000/qtr.; 90 days
$25-$5,000/qtr.; 30 days
$100-$10,000/qtr.; 30 days
$10-$60,000/yr.; 30 days
$50-$250,000/yr.; 30 days✦
$25-$15,000/qtr.; 30 days✦
$50-$60,000/yr.; 30 days✦
$50-$125,000/yr.; 15 days✦
$25-$100,000/yr.; 7 days
Comm. (cash)
none
none
none
none
none
none
Comm.
none
none
none
SC (cash)
none
SC
none
none
none
none
none
none
none
SC, Comm.
none
none
none
Comm.
SC, Comm.
none
Comm.
none
Comm.
none
Div: 5%
none
none
Div: 5%
Div: 5%
none
none
none
none
none
none
none
none
Div: 5%
none
none
none
none
none
none
none
none
none
none
none
none
Div: 5%
none
none
none
Quaker Chemical Corp. (N: KWR)
Quaker Oats (N: OAT)
Dir$500
Quanex Corp. (N: NX)
Dir$250
Questar Corp. (N: STR)
Dir$250
Ralston Purina Company (N: RAL)
Rayonier Inc. (N: RYN)
Raytheon Co. (N: RTNA)
Raytheon Co. (N: RTNB)
Reader’s Digest Assn., Inc. (N: RDA)
Dir$1,000
Reader’s Digest Assn., Inc. (N: RDB)
Dir$1,000
Regions Financial Corp. (M: RGBK)
Dir$1,000
Reliant Energy (N: REI)
IRA, Dir$250
ReliaStar Financial Corp. (N: RLR)
Reliv International, Inc. (M: RELV)
Dir$100
Republic Bancorp Inc. (M: RBNC)
Republic Group (N: RGC)
Republic New York Corp. (N: RNB)
Republic Security Financial (M: RSFC)
Resource Bancshares Mtge. Grp. (M: RBMG)
Reynolds & Reynolds Co. (N: REY)
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
$300-$24,000/yr.; 15 days✦
$50-$120,000/yr.; 7 days✦
$50-$10,000/qtr.; 30 days✦
$50-$100,000/yr.; 30 days
$10-$25,000/yr.; 30 days
$50-$5,000/qtr.; 5 days
$10-$25,000/qtr.; 30 days
$10-$25,000/qtr.; 30 days✦
$100-$10,000/mo.; 7 days✦
$100-$10,000/mo.; 7 days✦
$25-$120,000/yr.; 7 days✦
$50-$120,000/yr.; 7 days✦
$50-$5,000/mo.; 30 days
$50-$10,000/trans.; 7 days✦
$10-$5,000/qtr.; 45 days
$50-$10,000/qtr.; 30 days✦
$50-$10,000/qtr.; 90 days
$100-$10,000/qtr.; 90 days
$100-$15,000/qtr.; 90 days
$100-$5,000/qtr.; 90 days
none
SC, Comm. (cash)
none
none
none
SC (cash)
none
none
SC & Comm. (cash)
SC & Comm. (cash)
none
Comm.
none
SC & Comm. (cash)
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
Div: 4%; Cash: 1%
none
none
none
none
none
Div: 5%; Cash: 5%
none
Company (Exchange: Ticker)
Spec
Feat
Q/R
800-278-4353
800-344-1198
800-937-5449
801-324-5885*
800-445-7776*
800-432-0140
800-360-4519
800-360-4519
800-230-2771
800-230-2771
800-524-2879
800-231-6406*
800-468-9716
888-333-0203
800-257-1770
816-860-7787
800-278-4353
718-921-8283
800-446-2617
800-468-9716
* Telephone number is to the company. All other numbers are to the plan agent.
Participant Fees
none: No charges to participants for share purchases
SC: Service charge
Comm.: Prorated broker commissions for open market share
purchases
(cash): Fee levied only on shares purchased with optional cash
payments
(div): Fee levied only on shares purchased with dividends
Discounts
none: No discounts offered
Div: Discount on shares purchased with reinvested dividends
Cash: Discount on shares purchased with cash purchase
1999 Guide to Dividend Reinvestment Plans
DRP19
Telephone
Company (Exchange: Ticker)
800-526-0801
800-554-3406
800-519-3111
800-468-9716
800-991-8947
800-829-8432
800-622-6757
800-736-3001
800-204-7800
800-368-5948
800-368-5948
800-524-4458
800-633-4236
800-988-5238
800-633-4236
800-568-3476
781-575-3170
312-461-4075
Reynolds Metals (N: RLM)
Rite Aid Corp. (N: RAD)
RJR Nabisco Holdings Corp. (N: RN)
RLI Corp. (N: RLI)
Roadway Express, Inc. (M: ROAD)
Roanoke Gas Company (M: RGCO)
Robbins & Myers, Inc. (N: RBN)
Rochester G&E (N: RGS)
Rockwell International (N: ROK)
Rollins Truck Leasing (N: RLC)
Roslyn Bancorp, Inc. (M: RSLN)
Rouse Co. (N: RSE)
Rowe Furniture Corp. (N: ROW)
RPM, Inc. (N: RPM)
Ruddick Corp (N: RDK)
Russell Corp. (N: RML)
Ryder System, Inc. (N: R)
Ryerson Tull Inc. (N: RT)
Spec
Feat
IRA
Dir$250
Dir$500
Dir$1,000
Options
Cash Purchase:
Min-Max; Frequency
Participant
Fees
Discounts
Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
$25-$3,000/qtr.; 30 days
$25-$25,000/yr.; 30 days
$100-$50,000/yr.; 7 days✦
$25-$2,000/mo.; 30 days
$50-$100,000/yr.; 7 days✦
$25-$20,000/yr.; 30 days✦
$50-$5,000/qtr.; 30 days
$50-$5,000/mo.; 30 days
$100-$100,000/yr.; 7 days✦
$25-$2,500/mo.; 30 days
$100-$5,000/qtr.; 30 days
$50-$unlimited; 90 days
$25-$5,000/mo.; 30 days
$25-$5,000/mo.; 15 days✦
$20-$3,000/mo.; 30 days
$50-$2,000/mo.; 30 days
$25-$60,000/yr.; 30 days
$25-$10,000/mo.; 30 days
none
none
SC & Comm. (cash)
none
SC & Comm. (cash)
none
none
none
SC & Comm. (cash)
SC (cash)
Comm. (cash)
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Cash-No Div. Pay
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash-No Div. Pay
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
$25-$5,000/qtr.; 30 days
$50-$5,000/qtr.; 90 days
$50-$10,000/mo.; 7 days✦
$10-$5,000/qtr.; 45 days
$50-$120,000/yr.; 7 days✦
$25-$100,000/yr.; 15 days✦
$50-$100,000/yr.; 7 days✦
$25-$36,000/yr.; 15 days
$50-$10,000/trans.; 7 days✦
$10-$5,000/mo.; 30 days✦
$25-$40,000/yr.; 30 days
$10-$5,000/qtr.; 30 days
$100-$5,000/mo.; 90 days
$50-$150,000/yr.; 7 days✦
$50-$5,000/qtr.; 30 days
$100-$1,000/qtr.; 90 days
$25-$100,000/yr.; 30 days✦
$25-$150,000/yr.; 7 days✦
$25-$25,000/yr.; 30 days
$100-$2,500/mo.; 30 days
$10-$2,000/mo.; 30 days
$50-$1,000/qtr.; 30 days
$50-$100,000/yr.; 30 days
$20-$3,000/qtr.; 30 days
$25-$5,000/mo.; 30 days
$10-$1,000/mo.; 30 days
$50-$10,000/mo.; 7 days✦
none
none
SC, Comm.
none
SC (div)
Comm.
none
none
none
none
none
none
none
SC, Comm.
none
none
none
none
none
none
none
none
Comm.
none
none
none
SC & Comm. (cash)
none
none
none
none
none
none
none
none
none
none
none
none
Div: 3%
none
Div: 5%; Cash: 5%
none
none
none
none
none
none
Div: 5%
none
none
none
none
none
S
800-937-5449
800-368-5948
888-810-7452
800-554-3406
800-351-7221
800-763-5891*
800-446-2617
800-432-0140
800-524-4458
800-468-9716
800-524-4458
800-622-6757
800-730-4001
800-732-7780
800-278-4353
800-446-2617
800-255-7647
877-773-6772
800-858-0840
800-633-4236
800-432-0140
800-468-9716
800-662-7575*
800-622-6757
800-227-8625*
800-969-6714
888-683-4901
S&T Bancorp, Inc. (M: STBA)
S.Y. Bancorp, Inc. (A: SYI)
Sanderson Farms, Inc. (M: SAFM)
Sara Lee Corp. (N: SLE)
SBC Communications (N: SBC)
SCANA Corp. (N: SCG)
Schawk, Inc. (N: SGK)
Schering-Plough Corp. (N: SGP)
Schnitzer Steel Indus., Inc. (M: SCHN)
Schwab (Charles) Corp. (N: SCH)
Scientific-Atlanta (N: SFA)
Scott Technologies, Inc. (M: SCTT)
Sea Containers Ltd. (N: SCRA)
Sears, Roebuck and Co. (N: S)
Second Bancorp, Inc. (M: SECD)
Selective Insurance Grp. (M: SIGI)
SEMCO Energy Inc. (M: SMGS)
Sempra Energy (N: SRE)
ServiceMaster Co. (N: SVM)
Shaw Industries (N: SHX)
Sherwin Williams Co. (N: SHW)
Shoreline Financial Corp. (M: SLFC)
Sierra Pacific Resources (N: SRP)
SIFCO Industries, Inc. (A: SIF)
SIGCORP (N: SIG)
Simpson Industries Inc. (M: SMPS)
Sky Financial Group (M: SKYF)
Dir$500
IRA, Dir$500
Dir$250
Dir$500
IRA, Dir$50
Dir$250
Dir$500
Dir$500
Dir$500
* Telephone number is to the company. All other numbers are to the plan agent.
Spec Feat (Special Features)
IRA: IRA account
Dir$xxx: Sells initial shares directly to public; minimum purchase
Dir Only$xxx: Direct purchase plan only—no cash dividends paid; min. purch.
Options
Partial: Participants can specify a portion of shares for dividend
reinvestment and receive cash dividends on remainder.
Cash: Participants can make optional cash payments in addition
to reinvesting dividends.
Cash-No Div. Pay: Participants can make cash payments; firm is not
currently paying a dividend.
DRP20
1999 Guide to Dividend Reinvestment Plans
Cash Purchase
Min: Minimum investment amount
Max: Maximum investment amount over period specified.
Plans marked “varies” have maximums that depend on
number of shares owned.
Frequency: How frequently cash received under cash purchase option
is invested in shares
✦: Participants can have automatic investments made from
their checking or savings accounts.
Exchange Key
N = New York Stock Exchange
A = American Stock Exchange
M = Nasdaq
Telephone
Company (Exchange: Ticker)
508-675-2121*
800-637-7549
800-637-7549
800-942-5909
800-554-3406
800-446-2617
888-987-6588
800-234-0738
800-633-4236
800-937-5449
800-851-9677
609-561-9000*
800-554-7626*
800-526-0801
800-736-3001
800-205-8317
702-876-7280*
800-278-4353
800-356-2017
800-446-2617
800-685-4524
816-860-7786
800-643-8517
800-730-4001
888-326-5102
800-829-8432
800-622-6757
800-633-4236
800-543-6757
800-622-6757
800-426-5523
800-851-9677
816-860-7787
800-851-9677
781-575-3170
800-937-5449
201-324-0498
800-829-8432
717-374-1131*
800-293-8207
800-888-8494
800-568-3476
800-468-9716
800-524-4458
800-503-8903
800-730-4001
Slade’s Ferry Bancorp (M: SFBC)
Smith (A.O.) Corp. (A: SMCA)
Smith (A.O.) Corp. (N: AOS)
Smucker (J.M.) (N: SJMA)
Smucker (J.M.) (N: SJMB)
Snap-on Incorporated (N: SNA)
Solutia Inc. (N: SOI)
Sonat, Inc. (N: SNT)
Sonoco Products Co. (N: SON)
Sonoma Valley Bank (M: SOVY)
Sotheby’s Holdings, Inc. (N: BID)
South Jersey Ind., Inc. (N: SJI)
Southern Co. (N: SO)
Southern Financial Bancorp (M: SFFB)
Southern Union Co. (N: SUG)
Southtrust Corp. (M: SOTR)
Southwest Gas Corp. (N: SWX)
Southwest Georgia Fin’l Corp. (A: SGB)
Southwest Water Company (M: SWWC)
Southwestern Energy Co. (N: SWN)
Sovereign Bancorp Inc. (M: SVRN)
Sprint Corp. (FON Group) (N: FON)
St. Joseph Light & Power (N: SAJ)
St. Paul Bancorp Inc. (M: SPBC)
St. Paul Companies (The) (N: SPC)
Standard Commercial Corp. (N: STW)
Standard Products Co. (N: SPD)
Standard Register (N: SR)
Stanley Works (N: SWK)
State Auto Financial Corp. (M: STFC)
State Street Corp. (N: STT)
Sterling Bancorp (N: STL)
Stifel Financial Corp. (N: SF)
Stone & Webster, Inc. (N: SW)
Stride Rite Corp. (The) (N: SRR)
Suffolk Bancorp (M: SUBK)
Summit Bancorp (N: SUB)
Summit Properties (N: SMT)
Sun Bancorp, Inc. (M: SUBI)
Sundstrand Corp. (N: SNS)
Sunoco Inc. (N: SUN)
SunTrust Banks Inc. (N: STI)
Supervalu, Inc. (N: SVU)
Susquehanna Bancshares (M: SUSQ)
Synovus Financial Corp. (N: SNV)
Sysco Corp. (N: SYY)
Spec
Feat
Dir$500
Dir$250
Dir Only$100
Dir$250
Dir$250
Dir$100
Dir$250
Dir$250
Options
Cash Purchase:
Min-Max; Frequency
Participant
Fees
Discounts
Cash
Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash-No Div. Pay
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Cash
Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Cash
Partial, Cash
Cash
Partial, Cash
Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Cash
$100-$5,000/yr.; 30 days✦
$0-$5,000/qtr.; 90 days
$0-$5,000/qtr.; 90 days
$20-$1,500/mo.; 30 days
$20-$1,500/mo.; 30 days
$100-$150,000/yr.; 7 days✦
$25-$100,000/yr.; 30 days✦
$50-$6,000/qtr.; 30 days
$10-$100,000/yr.; 5 days✦
$50-$10,000/mo.; 7 days✦
$100-$5,000/mo.; 30 days
$25-$100,000/yr.; 90 days
$25-$150,000/yr.; 15 days✦
$100-$1,000/qtr.; 90 days
$50-$100,000/yr.; 15 days✦
$25-$10,000/mo.; 30 days
$100-$50,000/yr.; 15 days✦
$5-$5,000/mo.; 30 days✦
$25-$3,000/qtr.; 90 days
$25-$1,000/mo.; 30 days
$50-$5,000/qtr.; 90 days
$25-$5,000/qtr.; 30 days
$50-$10,000/mo.; 30 days✦
$50-$2,000/mo.; 30 days
$10-$60,000/yr.; 30 days
$25-$3,000/qtr.; 30 days
$20-$5,000/mo.; 30 days
$25-$60,000/yr.; 30 days✦
$25-$5,000/mo.; 30 days
$10-$3,000/qtr.; 90 days
$100-$25,000/mo.; 30 days✦
$150-$4,500/mo.; 30 days
$25-$5,000/mo.; 90 days
$50-$1,500/mo.; 30 days
$10-$1,000/mo.; 45 days
$300-$5,000/qtr.; 90 days
$10-$25,000/qtr.; 30 days✦
$100-$10,000/mo.; 30 days
$50-$10,000/qtr.; 90 days✦
$25-$3,000/mo.; 30 days
$1-$10,000/qtr.; 30 days
$10-$60,000/yr.; 30 days✦
$10-$3,000/qtr.; 30 days
$50-$25,000/yr.; 7 days✦
$50-$250,000/yr.; 7 days✦
$100-$10,000/mo.; 30 days✦
none
none
none
none
none
none
SC
none
Comm. (cash)
SC & Comm. (cash)
none
none
none
none
SC & Comm. (cash)
none
none
none
none
SC
none
none
none
SC (cash)
none
none
SC
none
SC (div)
none
SC
none
none
none
SC
none
Comm. (cash)
none
none
none
none
none
none
SC & Comm. (cash)
SC & Comm. (cash)
SC & Comm. (cash)
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
Div: 5%
none
Div: 5%
none
none
none
none
none
none
none
none
none
none
none
none
none
none
Div: 3%; Cash: 3%
none
Div: 3%; Cash: 3%
none
none
none
none
none
none
none
none
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
$50-$150,000/yr.; 15 days✦
$100-$25,000/qtr.; 30 days
$25-$25,000/mo.; 7 days✦
$25-$5,000/qtr.; 30 days
$50-$5,000/qtr.; 90 days
SC & Comm. (cash)
none
SC & Comm. (cash)
Comm. (cash)
none
none
none
none
none
none
T
888-218-4374
781-575-3170
888-877-2889
800-730-4001
800-368-5948
Tandy Corp. (N: TAN)
Tanger Factory Outlet Centers (N: SKT)
Taubman Centers, Inc. (N: TCO)
TCF Financial Corp. (N: TCB)
Technitrol Inc. (N: TNL)
Dir$250
Dir$250
* Telephone number is to the company. All other numbers are to the plan agent.
Participant Fees
none: No charges to participants for share purchases
SC: Service charge
Comm.: Prorated broker commissions for open market share
purchases
(cash): Fee levied only on shares purchased with optional cash
payments
(div): Fee levied only on shares purchased with dividends
Discounts
none: No discounts offered
Div: Discount on shares purchased with reinvested dividends
Cash: Discount on shares purchased with cash purchase
1999 Guide to Dividend Reinvestment Plans
DRP21
Telephone
Company (Exchange: Ticker)
800-650-9222
800-411-7025
800-278-4353
312-360-5337
800-446-2617
800-468-9716
800-649-9891
800-283-9785*
800-828-0812*
800-519-3111
800-368-5948
800-446-2617
800-837-2755
781-575-3170
800-519-3111
800-279-1238
800-929-6781
800-555-9898
800-524-4458
800-446-2617
800-468-9716
800-503-8903
800-756-8200
800-524-4458
800-937-5449
800-446-2617
888-439-4986
800-446-2617
518-381-3601*
216-291-7654*
800-637-7549
800-685-4509
800-317-4445
TECO Energy (N: TE)
Tektronix (N: TEK)
Teleflex Incorporated (N: TFX)
Telephone & Data Systems (A: TDS)
Temple-Inland (N: TIN)
Tennant Company (M: TANT)
Tenneco Inc. (N: TEN)
Texaco Inc. (N: TX)
Texas Utilities Company (N: TXU)
Textron, Inc. (N: TXT)
Thistle Group Holdings, Co. (M: THTL)
Thomas & Betts Corp. (N: TNB)
Thomas Industries (N: TII)
Tidewater Inc. (N: TDW)
Timber Group (N: TGP)
Time Warner Inc. (N: TWX)
Times Mirror Company (The) (N: TMC)
Timken Co. (N: TKR)
TNP Enterprises (N: TNP)
Torchmark Corp. (N: TMK)
Toro Company (The) (N: TTC)
Total System Services, Inc. (N: TSS)
Transamerica Corp. (N: TA)
Transocean Offshore, Inc. (N: RIG)
Tredegar Industries, Inc. (N: TG)
Tribune Co. (N: TRB)
Tricon Global Restaurants (N: YUM)
True North Communications (N: TNO)
TrustCo Bank Corp NY (M: TRST)
TRW Inc. (N: TRW)
Twin Disc, Inc. (N: TDI)
Tyco International Ltd. (N: TYC)
Tyson Foods-A (N: TSN)
Spec
Feat
Dir$500
Dir$500
Dir$250
Dir$500
Dir$1,000
IRA, Dir$100
Dir$250
Dir$500
Dir$500
Dir$250
Dir$250
Options
Cash Purchase:
Min-Max; Frequency
Participant
Fees
Discounts
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Cash
Cash
Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash-No Div. Pay
Partial, Cash
Cash
Cash
Cash
Cash
Partial, Cash
$25-$100,000/yr.; 30 days
$100-$10,000/mo.; 7 days✦
$50-$2,500/mo.; 30 days
$10-$5,000/qtr.; 30 days
$25-$1,000/qtr.; 90 days
$50-$5,000/qtr.; 90 days
$50-$250,000/yr.; 7 days✦
$50-$120,000/yr.; 10 days✦
$25-$100,000/yr.; 7 days✦
$25-$120,000/yr.; 30 days✦
$100-$1,000/qtr.; 90 days
$10-$24,000/yr.; 30 days
$25-$3,000/mo.; 30 days
$25-$5,000/qtr.; 45 days
$25-$5,000/mo.; 30 days✦
$25-$10,000/qtr.; 30 days
$100-$10,000/qtr.; 90 days
$100-$250,000/yr.; 7 days✦
$25-$100,000/yr.; 30 days
$100-$3,000/45 days; 45 days
$10-$1,000/mo.; 30 days
$50-$250,000/yr.; 30 days✦
$10-$60,000/yr.; 30 days✦
$25-$5,000/mo.; 7 days✦
$25-$4,000/mo.; 30 days
$50-$120,000/yr.; 5 days✦
$20-$5,000/mo.; 30 days
$25-$1,000/mo.; 30 days
$25-$unlimited; 7 days
$10-$1,000/45 days; 45 days
$10-$2,000/mo.; 90 days
$25-$10,000/mo.; 30 days
$50-$unlimited; 7 days✦
none
SC, Comm.
none
none
none
none
SC, Comm.
Comm.
none
none
none
none
none
SC, Comm.
SC
none
none
SC & Comm. (cash)
none
SC, Comm.
none
SC & Comm. (cash)
none
none
none
SC, Comm.
none
none
none
none
none
none
none
none
none
none
Div: 5%
none
none
none
none
none
none
none
none
none
none
none
Div: 5%
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash-No Div. Pay
$100-$100,000/yr.; 7 days✦
$25-$60,000/yr.; 30 days✦
$30-$1,000/mo.; 30 days
$25-$3,000/qtr.; 30 days
$100-$25,000/yr.; 90 days
$50-$3,000/qtr.; 30 days
$25-$60,000/yr.; 30 days✦
$25-$1,000/mo.; 30 days
$10-$60,000/yr.; 30 days
$100-$2,000/qtr.; 90 days
$25-$3,000/qtr.; 90 days
$50-$unlimited; 15 days✦
SC (div)
none
none
none
none
none
Comm. (cash)
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
Div: 5%
none
U
800-537-0222
800-446-2617
800-548-6565*
800-756-3353
800-368-5948
816-860-7891
800-950-2377
800-934-3350*
800-317-2512
800-900-4548*
800-554-3406
888-269-8845
U S West, Inc. (N: USW)
U.S. Bancorp (N: USB)
U.S. Trust Corp. (N: UTC)
UGI Corp. (N: UGI)
Ultramar Diamond Shamrock (N: UDS)
UMB Financial Corp. (M: UMBF)
Unicom Corp. (N: UCM)
Union Carbide Corp. (N: UK)
Union Pacific Corp. (N: UNP)
Union Planters Nat’l Bank (N: UPC)
UnionBanCal (M: UNBC)
UniSource Energy Corp. (N: UNS)
Dir$1,000
Dir Only$250
* Telephone number is to the company. All other numbers are to the plan agent.
Spec Feat (Special Features)
IRA: IRA account
Dir$xxx: Sells initial shares directly to public; minimum purchase
Dir Only$xxx: Direct purchase plan only—no cash dividends paid; min. purch.
Options
Partial: Participants can specify a portion of shares for dividend
reinvestment and receive cash dividends on remainder.
Cash: Participants can make optional cash payments in addition
to reinvesting dividends.
Cash-No Div. Pay: Participants can make cash payments; firm is not
currently paying a dividend.
DRP22
1999 Guide to Dividend Reinvestment Plans
Cash Purchase
Min: Minimum investment amount
Max: Maximum investment amount over period specified.
Plans marked “varies” have maximums that depend on
number of shares owned.
Frequency: How frequently cash received under cash purchase option
is invested in shares
✦: Participants can have automatic investments made from
their checking or savings accounts.
Exchange Key
N = New York Stock Exchange
A = American Stock Exchange
M = Nasdaq
Telephone
Company (Exchange: Ticker)
800-622-6757
800-278-4353
800-756-3353
800-937-5449
800-278-4353
800-524-4458
800-519-3111
800-230-2685
800-637-7549
800-736-3001
800-446-2617
800-468-9716
800-637-7549
800-279-1249
800-519-3111
800-730-4001
617-726-7262*
800-730-4001
412-433-4801
412-433-4801
800-884-5426
Unisource Worldwide, Inc. (N: UWW)
United Bancorp Inc. (M: UBCP)
United Bankshares, Inc. (M: UBSI)
United Illuminating Co. (N: UIL)
United Industrial Corp. (N: UIC)
United National Bancorp (M: UNBJ)
United Technologies (N: UTX)
United Water Resources Inc. (N: UWR)
United Wisconsin Services (N: UWZ)
Unitil Corp. (A: UTL)
Unitrin, Inc. (M: UNIT)
Universal Corp. (N: UVV)
Universal Foods Corp. (N: UFC)
Unocal Corp. (N: UCL)
UNUM Corp. (N: UNM)
USBancorp, Inc. (M: UBAN)
UST Corp. (M: USTB)
UST Inc. (N: UST)
USX-Marathon Group (N: MRO)
USX-U.S. Steel Group (N: X)
UtiliCorp United (N: UCU)
Spec
Feat
Dir$100
Dir$100
Dir$500
IRA, Dir$250
Options
Cash Purchase:
Min-Max; Frequency
Participant
Fees
Discounts
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
$25-$5,000/mo.; 30 days
$100-$5,000/qtr.; 90 days
$25-$10,000/qtr.; 90 days
$10-$4,000/mo.; 30 days
$100-$5,000/mo.; 30 days
$50-$100,000/yr.; 7 days✦
$100-$120,000/yr.; 30 days
$25-$3,000/qtr.; 30 days
$100-$100,000/yr.; 30 days
$25-$5,000/qtr.; 90 days
$50-$100,000/yr.; 7 days✦
$10-$1,000/mo.; 30 days
$25-$1,500/mo.; 30 days
$50-$10,000/mo.; 30 days
$100-$60,000/yr.; 30 days
$10-$2,000/mo.; 30 days
$100-$3,000/qtr.; 90 days
$10-$10,000/mo.; 15 days
$50-$5,000/mo.; 30 days
$50-$5,000/mo.; 30 days
$50-$10,000/mo.; 30 days✦
none
none
none
Comm.
none
none
none
none
none
none
SC, Comm.
none
none
SC (cash), Comm.
none
none
none
none
none
none
none
none
none
none
none
none
none
none
Div: 10%; Cash: 10%
none
Div: 5%
none
none
none
none
none
none
none
none
Div: 3%; Cash: 3%
Div: 3%; Cash: 3%
Div: 5%
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash-No Div. Pay
Cash
Cash
Cash
Cash
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
$50-$5,000/mo.; 30 days✦
$25-$75,000/yr.; 7 days✦
$100-$10,000/mo.; 7 days✦
$50-$40,000/yr.; 30 days✦
$20-$60,000/yr.; 30 days
$0-$3,000/qtr.; 90 days
$10-$3,000/qtr.; 90 days
25-100 shares/qtr.; 90 days
$10-$60,000/yr.; 30 days
$20-$15,000/mo.; 30 days✦
$50-$150,000/yr.; 1 day✦
$50-$60,000/yr.; 7 days✦
$100-$250,000/yr.; 7 days✦
$50-$unlimited; 5 days✦
$25-$20,000/qtr.; 30 days
$50-$10,000/qtr.; 30 days✦
$25-$10,000/qtr.; 90 days✦
$50-$100,000/yr.; 7 days✦
$25-$5,000/qtr.; 90 days
$100-$10,000/mo.; 90 days
$10-$3,000/qtr.; 90 days
$25-$10,000/mo.; 7 days✦
$20-$20,000/yr.; 30 days✦
$10-$5,000/qtr.; 90 days✦
$50-$5,000/mo.; 30 days
$100-$3,000/mo.; 30 days
$100-$2,500/qtr.; 90 days
$50-$120,000/yr.; 15 days✦
$25-$5,000/qtr.; 7 days✦
$100-$25,000/qtr.; 30 days
none
none
SC & Comm. (cash)
SC, Comm. (cash)
none
none
SC
none
SC, Comm.
none
SC & Comm. (cash)
SC & Comm. (cash)
SC & Comm. (cash)
SC, Comm.
Comm.
none
none
SC & Comm. (cash)
none
none
none
SC, Comm.
none
none
none
none
none
none
none
SC, Comm. (cash)
none
Div: 5%
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
Cash: 2%
none
none
V/W
800-278-4353
800-524-4458
800-842-7629
800-756-8200
800-519-3111
802-257-7151*
201-324-1225
908-859-9500*
800-519-3111
800-633-4236
800-438-6278
888-368-7346
818-553-7200*
800-446-2617
888-269-8845
800-234-5835
401-348-1200*
800-245-7630
877-424-1980
800-278-4353
800-937-5449
800-468-9716
800-278-4353
800-278-4353
800-937-5449
800-953-2490
800-634-5526
800-527-2495*
800-432-0140
800-561-4405
Valley National Bancorp (N: VLY)
Valley Resources, Inc. (A: VR)
Valspar Corp (N: VAL)
Dir$1,000
Varian Medical Systems, Inc. (N: VAR)
Venator Group (N: Z)
Vermont Financial Services (M: VFSC)
VF Corp. (N: VFC)
Vista Bancorp, Inc. (M: VBNJ)
Vulcan Materials Co. (N: VMC)
Wachovia Corp. (N: WB)
Wal-Mart Stores (N: WMT)
IRA, Dir$250
Walgreen Co. (N: WAG)
Dir$500
Walt Disney Company (N: DIS)
Dir$1,000
Warner-Lambert Co. (N: WLA)
Dir$250
Washington Gas Light Co. (N: WGL)
Washington Mutual, Inc. (N: WM)
Washington Trust Bancorp (M: WASH)
Waste Management, Inc. (N: WMI)
Dir$500
Wausau-Mosinee Paper (N: WMO)
WebsterFinancial Corp. (M: WBST)
Weis Markets, Inc. (N: WMK)
Wells Fargo & Company (N: WFC)
Dir$250
Wendy’s International, Inc. (N: WEN)
WesBanco, Inc. (M: WSBC)
West Pharmaceutical Services (N: WST)
Westamerica Bancorp (M: WABC)
WesterFed Financial Corp. (M: WSTR)
Western Resources, Inc. (N: WR)
Dir$250
Westvaco Corp. (N: W)
Dir$250
Weyerhaeuser Co. (N: WY)
* Telephone number is to the company. All other numbers are to the plan agent.
Participant Fees
none: No charges to participants for share purchases
SC: Service charge
Comm.: Prorated broker commissions for open market share
purchases
(cash): Fee levied only on shares purchased with optional cash
payments
(div): Fee levied only on shares purchased with dividends
Discounts
none: No discounts offered
Div: Discount on shares purchased with reinvested dividends
Cash: Discount on shares purchased with cash purchase
1999 Guide to Dividend Reinvestment Plans
DRP23
Telephone
800-446-2617
800-446-2617
800-432-0140
800-621-9609
800-999-9867
888-822-5593
800-558-9663
201-324-0313
540-896-0425*
800-633-4236
800-622-6757
800-730-4001
800-236-1551*
800-446-2617
Company (Exchange: Ticker)
Whirlpool Corp. (N: WHR)
Whitman Corp. (N: WH)
Whitney Holding Company (M: WTNY)
WICOR, Inc. (N: WIC)
Wilmington Trust Co. (N: WL)
Winn-Dixie Stores, Inc. (N: WIN)
Wisconsin Energy Corp. (N: WEC)
Witco Corp. (N: WIT)
WLR Foods, Inc. (M: WLRF)
Woodward Governor Co. (M: WGOV)
Worthington Foods, Inc. (M: WFDS)
Worthington Industries (M: WTHG)
WPS Resources Corp. (N: WPS)
Wrigley (Wm. Jr.) Co. (N: WWY)
Spec
Feat
$1,000
Dir
Dir$250
Dir$500
Dir$500
Dir Only$250
Dir$100
Options
Cash Purchase:
Min-Max; Frequency
Participant
Fees
Discounts
Partial, Cash
Partial, Cash
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash-No Div. Pay
Cash
Partial, Cash
Partial, Cash
Partial, Cash
Cash
$100-$250,000/yr.; 7 days✦
$50-$120,000/yr.; 7 days✦
$50-$5,000/qtr.; 90 days
$100-$10,000/mo.; 7 days✦
$10-$5,000/qtr.; 30 days✦
$10-$10,000/mo.; 30 days✦
$25-$50,000/qtr.; 15 days✦
$10-$20,000/yr.; 30 days
$100-$20,000/yr.; 30 days
$25-$1,000/qtr.; 90 days
$25-$1,000/mo.; 30 days
$50-$5,000/mo.; 30 days✦
$25-$100,000/yr.; 30 days
$50-$5,000/mo.; 30 days
SC, Comm.
SC, Comm.
none
none
none
none
none
none
none
SC (cash)
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
none
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
Partial, Cash
$10-$5,000/mo.; 30 days
$100-$10,000/mo.; 30 days
$25-$2,500/qtr.; 90 days✦
$100-$10,000/mo.; 7 days✦
$10-$5,000/qtr.; 90 days
none
SC (cash)
none
SC (cash)
none
none
none
Div: 10%
none
none
X/Y/Z
800-828-6396
888-451-0192
800-278-4353
800-437-6726
801-524-4624
Xerox Corp. (N: XRX)
Yankee Energy System (N: YES)
York Financial Corp. (M: YFED)
York International Corp. (N: YRK)
Zions Bancorp. (M: ZION)
Dir$1,000
* Telephone number is to the company. All other numbers are to the plan agent.
Spec Feat (Special Features)
IRA: IRA account
Dir$xxx: Sells initial shares directly to public; minimum purchase
Dir Only$xxx: Direct purchase plan only—no cash dividends paid; min.
purch.
Options
Partial: Participants can specify a portion of shares for dividend
reinvestment and receive cash dividends on remainder.
Cash: Participants can make optional cash payments in addition
to reinvesting dividends.
Cash-No Div. Pay: Participants can make cash payments; firm is not
currently paying a dividend.
Participant Fees
none: No charges to participants for share purchases
SC: Service charge
Comm.: Prorated broker commissions for open market share
purchases
(cash): Fee levied only on shares purchased with optional cash
payments
(div): Fee levied only on shares purchased with dividends
© 1999 by the American
Association
of Individual
Investors
DRP24
1999 Guide
to Dividend
Reinvestment
Plans
Cash Purchase
Min: Minimum investment amount
Max: Maximum investment amount over period specified.
Plans marked “varies” have maximums that depend on
number of shares owned.
Frequency: How frequently cash received under cash purchase option
is invested in shares
✦: Participants can have automatic investments made from
their checking or savings accounts.
Discounts
none: No discounts offered
Div: Discount on shares purchased with reinvested dividends
Cash: Discount on shares purchased with cash purchase
Exchange Key
N = New York Stock Exchange
A = American Stock Exchange
M = Nasdaq
Printed in the U.S.A.