Retirement Plan

To help you save for your retirement, the company offers a 401(k) Savings Plan. This plan offers special tax advantages because you make contributions to your personal account with pre-tax dollars. In addition, the company contributes to your 401(k) account by matching a portion of your contributions. The plan offers a variety of investment funds designed to fit a wide range of investment strategies. You decide how to invest your contributions and the company match. For questions about the 401(k) Savings Plan, you may contact T. Rowe Price at 800-922-9945 or visit the website at rps.troweprice.com.

Please note that as of January 1, 2012, the Company no longer makes contributions to the Defined Benefit Retirement Plan (Cash Balance Plan). If you had a cash balance account as of December 31, 2011, your account will continue to be credited with Regular Interest Credits. If you leave the Company and you are vested, you have the option to elect a distribution of your Cash Balance Plan account balance or you may leave your account balance in the Plan, as long as your account is more than $5,000. If you elect to leave your account balance in the Cash Balance Plan, your account will continue to receive Regular Interest Credits until you begin receiving a distribution of your Cash Balance Plan benefit. If you have questions about the retirement plan, you may contact the Benefits Department at 800-421-1968.