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|   | (b) | Effective      January 1, 2009, the Participant's MMR-SECAP Company Savings Credits shall      be treated as if invested by the Committee in a manner to produce a rate      of interest equal to the prime rate, as published in the Federal Reserve      Statistical Report at the beginning of each month.  Prior to      January 1, 2009, the Participant's MMR-SECAP Company Savings Credits shall      be treated as if invested by the Committee in a manner to produce a rate      of interest similar to that earned quarterly by the Vanguard Retirement      Savings Trust which is an investment contract fund of the      MMR-ECAP. |
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|   | (h) | Effective      January 1, 2009, the Participant's MMR-SECAP Enhanced Company      Contributions Credits and MMR-SECAP DC Adjustment Contribution Credits      shall be treated as if invested by the Committee in a manner to produce a      rate of interest equal to the prime rate, as published in the Federal      Reserve Statistical Report at the beginning of each      month.  Prior to January 1, 2009, credits made under this      Section 4.01 shall be treated as if invested by the Committee in a manner      to provide a rate of interest equal to the rate for ten year Treasury      Notes, plus a percentage to be determined annually by the Committee (3.5%      in 2000). The hypothetical earnings rate was ten percent (10%)      annually. |
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|   | (c) | All      assets accounted for in Transfer Credits Accounts were distributed to the      Participant of record on or before December 31,  2004. |
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| (a)   | Any      Participant or Beneficiary (a “Claimant”) who believes that he or she is      entitled to a benefit under the Plan which he or she has not received may      submit a claim to the Committee. Claims for benefits under this Plan shall      be made in writing, signed by the Claimant or his or her authorized      representative, and must specify the basis of the Claimant’s complaint and      the facts upon which he or she relies in making such claim. A claim shall      be deemed filed when received by theCommittee. |
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| (b)   | In      the event a claim for benefits is wholly or partially denied by the      Committee, the Committee shall notify the Claimant in writing of the      denial of the claim within a reasonable period of time, but not later than      ninety (90) days after receipt of the claim, unless special circumstances      require an extension of time for processing, in which case the ninety (90) |
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| (c)   | Within      sixty (60) days of the receipt by the Claimant of the written notice of      denial of the claim, the Claimant may appeal by filing with the Committee      a written request for a full and fair review of the denial of the      Claimant’s claim for benefits. Appeal requests under this Plan shall be      made in writing, signed by the Claimant or his or her authorized      representative, and must specify the basis of the Claimant’s complaint and      the facts upon which he or she relies in making such appeal. An appeal      request shall be deemed filed when received by the    Committee. |
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| (d)   | The      Committee shall render a decision on the claim appeal promptly, but not      later than sixty (60) days after the receipt of the Claimant’s request for      review, unless special circumstances (such as the need to hold a hearing,      if necessary), require an extension of time for processing, in which case      the sixty (60) day period may be extended to one hundred twenty (120)      days. The Committee shall notify the Claimant in writing of any such      extension. The decision upon review shall be written in a manner      reasonably calculated to be understood by the Claimant, and shall contain      (i) the specific reason or reasons for denial of the claim; (ii) a      specific reference to the pertinent Plan provisions upon which the denial      is based; (iii) a statement that the Claimant shall be provided, upon      request and free of charge, reasonable access to, and copies of, all      documents, records, and other information relevant to the claim for      benefits; and (iv) a statement of the Claimant’s right to bring an action      under Section 502(a) of ERISA, if the adverse benefit determination is      sustained on appeal. |
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| (e)   | The      Committee may provide written or electronic notification of any adverse      benefit determination.  Any electronic notification shall comply      with the standards imposed by 29 CFR 2520.104b-1(c)(1)(i), (iii) and      (iv). |
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| (f)   | No      lawsuit by a Claimant may be filed prior to exhausting the Plan’s      administrative appeal process. Any lawsuit must be filed no later than the      earlier of one year after the Claimant’s claim for benefit was denied or      the date the cause of action firstarose. |
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