INVESTMENTS

Employee Stock Purchase Plan Eligibility & Enrollment

Eligibility
Any associate in "good standing" that is 18 years of age or older is allowed to participate in the plan as long as their immediate employer supports participation through their payroll. Participation is voluntary. Officers or Outside Director participants who cease participation in the plan may not participate again in the plan for at least six months following the date they cease to participate.

Enrollment
In order to enroll, an eligible associate must log on at www.retireonline.com and complete the on-line enrollment for this particular plan. The enrollment requests will be transmitted to the respective payroll areas on a weekly basis and the deduction request will go into effect as soon as administratively possible. A participant may elect to increase or decrease the amount of payroll deductions or discontinue payroll deductions from future pay periods by revising the on-line enrollment information.

All after-tax deductions will automatically come out of each participant's paycheck once enrolled.

Costs
All costs and expenses incurred in administering this Plan shall be paid by the Company. Participants are responsible for paying a small charge associated with the selling of their stock in the plan (currently $.05/share).

	Highlights Employee Stock Purchase Plan   Eligibility and Enrollment   How the Plan Works   Vesting   Voting Rights   Selling Your Stock   Transferring Your Stock   Other Information   FAQ'S Retirement Savings Plan Social Security Benefits Administrative Information

Summary Plan Description
The legal summary of this benefit will be included in the 2008 Benefits Handbook.