At the time of the IPO, each $17.50 share of your 6% Series A Preferred Stock converted into 2 shares of common stock. Please note that these shares will continue to be restricted until 2 years after the date of purchase (December, 2003 or January, 2004); however, they may be sold prior to that time pursuant to Rule 144.

To receive your common certificate, please send your preferred certificate to Computershare at the address below. You should enclose a letter asking them to convert the shares to common stock and we suggest insuring the package for 3% of the market value (for current share value, please visit www.nasdaq.com). If the certificates are lost in the mail, Computershare must collect a 3% surety bond and the mail insurance would cover that cost for you. You may send them via an overnight service, but please note that the highest insurance value allowed for a Federal Express envelope is $500 and normal liability is limited to $100.

Once received, the new certificates will be sent back via first class or registered mail depending on the amount. If you would prefer to receive them sooner, please enclose an envelope and completed form for any of the major overnight services. SunTrust’s insurance policy will cover these packages.

If you have questions, please contact Computershare at 800-568-3476 or 312-588-4990.

We have made arrangements with our transfer agent, Computershare Investor Services, LLC, to remove the restrictive legend from those certificates that no longer require the legend at your request. Please be aware that common stock certificates issued upon conversion of our 6% Series A Preferred Stock must continue to bear the restrictive legend until two years after the date you purchased the shares of Series A Preferred Stock. In addition, any common stock certificates held by our affiliates (previously identified company executives and Board members) are also required to bear a restrictive legend.

If you desire that the restrictive legend on your common stock certificates be removed, send your certificates, along with a letter asking for the restricted legends to be removed, via registered mail and we suggest insuring them for 3% of the market value (for current share value, please visit www.nasdaq.com). If the certificates are lost in the mail, Computershare must collect a 3% surety bond and the mail insurance would cover that cost for you. You may send them via an overnight service, but please note that the highest insurance value allowed for a Federal Express envelope is $500 and normal liability is limited to $100.

Once received, the new certificates will be sent back via first class or registered mail depending on the amount. If you would prefer to receive them sooner, please enclose an envelope and completed form for any of the major overnight services. Computershare’s insurance policy will cover these packages.

If you have questions, please contact Computershare at 800-568-3476 or 312-588

Your common stock certificates may display a restrictive legend on the back of the certificate. If you wish to trade your shares on the open market, you will be required by your broker to have the restricted legend removed. To have the legend removed, please contact Computershare Investor Services: