You may choose to have your contributions and Company matching contributions invested in any one or a combination of the Savings Program's investment funds - in increments of 1%. The funds are valued at market daily. The Joint Retirement and Savings Plan Committee may freeze or change the funds at any time.

Any investment involves some degree of financial risk. Actual investment results for your Savings Program contributions will vary depending on the fund or funds in which they are invested.

Detailed information about each of the funds currently available under the Savings Program is provided in the chart on the following pages. This data is provided for informational purposes only. Before making any investment decision, you should also review the fund prospectuses and fact sheets.

Neither the Company, the Savings Program nor the Joint Retirement and Savings Plan Committee makes any representation that the past performance of these funds is a guarantee or indicative of their future performance. The funds are not protected by any federal or state deposit insurance program. The Savings Program is intended to constitute a plan described in section 404(c) of "ERISA". Fiduciaries may be relieved of liability for any losses that are the result of investment instructions given by you or your beneficiary.

Investment Earnings
Investment earnings include interest, dividends, and market gains/losses resulting from your investments in any of the Savings Program's funds. Returns you may earn on your investments are continually reinvested in the funds you have chosen.