Current Pension Plan Rate as of October 1, 2007: 5.11%

Potential Pension Plan Rates as of October 1, 2008:

Age When Lump Sum Benefit Paid      Estimated Rate  
Age 65                                            Oct 1, 2008 Rate = 4.95%*
Age 60                                            Oct 1, 2008 Rate = 4.97%*

*These rates are purely estimations. Please consult with your HR department for your exact rates. These rates should not be the sole variable considered when deciding on a retirement date.