The Savings Program makes saving easy. It lets you enroll and manage your account over the telephone through a voice response unit, by speaking with a Participant Services representative, or by using the Plan’s website. By calling Participant Services, you can:

• enroll in the Savings Program
• check your account balance and investment performance
• make investment elections
• transfer between investment funds
• change contribution percentages
• change investment elections
• request a loan or withdrawal
• update or change beneficiary information
• update or change personal information

To reach Participant Services In the United States: 1-800-777-4015 International: 1-512.344.3000 Telecommunications Device for the Deaf: 1-877-852-4289 Voice Response Unit: 24 hours a day, 7 days a week (except for occasional maintenance periods) Particpant Services Representatives: 8 am - 10 pm Eastern time, Monday through Friday (except on days when the New York Stock Exchange is closed) Internet Access: To access the Savings Program via the Internet, please use the following URL: www.401kaccess.com.

When you call Participant Services, you will need your PIN and a touch-tone telephone to use the voice response unit. If you do not have a touch-tone telephone, call Participant Services and speak to a customer service representative.

You will receive your web password and PIN separate from your enrollment kit. You may change your password and PIN to personalize it at any time you wish. Your password and PIN are confidential and should be kept in a safe place. If you lose your password or PIN, call Participant Services and a copy of the number will be sent to your home. You may also request a password reminder from the Internet site to be mailed or e-mailed to you provided you have set up your e-mail preference. For security reasons, you can never get your PIN over the telephone.

Accessing the System
To log on to your account, simply go to the log-in screen, press log-in, enter your account number and your password, and press submit. Every participant in the plan will be able to gain access to the plan, even if you do not have an account balance.

Working With the Program
After you log on, the system immediately shows the market value of your account as of a particular date. Remember, our plan investment funds are valued daily, and the amount shown on the screen is the market value as of the close of business of the previous business day. This value is updated once a day, so the value you see in the morning will be the same value for that entire day.