Exhibit 4.3



The following Section 5(f) was added to Article VII of the Tax Efficient Savings
Plan for Hourly Employees, effective April 8, 2005.


    "(f)  Fiduciary Claims

          A claim by a Participant alleging breach of fiduciary duty by any Plan
          fiduciary shall be subject to the following claim procedures.

          1.   A claimant shall make a claim alleging breach of fiduciary duties
               by filing a written claim with the Plan Administrator.  The claim
               must  specifically  set forth the facts  concerning  the  alleged
               breach and must clearly  identify the Plan fiduciary who claimant
               alleges has  committed a fiduciary  breach.  The claim shall cite
               the legal basis for the allegation of fiduciary  breach and shall
               set forth the remedy that the claimant  requests on behalf of the
               Plan.

          2.   The  Plan  Administrator  shall  review  the  claim  and  make  a
               determination  within ninety (90) days from the date the claim is
               received.  Such notice shall be deemed given upon  mailing,  full
               postage  prepaid  in  the  United  States  mail  or  if  provided
               electronically  to the  claimant.  Any  actual  denial of a claim
               shall be  written  and set  forth in a  manner  calculated  to be
               understood by the claimant. The denial of the claim shall include
               the  elements  set  forth  in  section  (d)  above.  If the  Plan
               Administrator determines that an extension of time for processing
               is required,  written notice of the extension  shall be furnished
               to the claimant  prior to the  termination  of the initial ninety
               (90) day period.  The extension notice shall indicate the special
               circumstances  requiring  an  extension  of time  and the date by
               which the Plan Administrator expects to render the determination.
               At the Plan Administrator's discretion, the claim may be referred
               to the Committee or the Senior Vice  President - General  Counsel
               for review.

          3.   In the  event  that the  Plan  Administrator  denies  a claim,  a
               claimant  may  (i)  request  a  review  upon  appeal  by  written
               application  to  the  Committee;   (ii)  review   pertinent  Plan
               documents;  and (iii) submit  issues and  comments in writing.  A
               claimant  must  request a review upon appeal of the denial of the
               claim by the Plan Administrator under this Plan within sixty (60)
               days  after the  Participant  receives  written  notification  of
               denial  of the  claim.  The  appeal  will  be  considered  at the
               Committee's next regularly  scheduled  meeting.  If the appeal is
               filed within thirty (30) days of the next meeting,  a decision by
               the  Committee,  as  appropriate,  shall  be made  by the  second
               meeting  after receipt of the  Participant's  request for review.
               Under special circumstances,  an extension of time for processing
               may be  required,  in which case a decision  shall be rendered by
               the  date of the  third  meeting.  If an  extension  is  required
               because  information  is  incomplete,  the review  period will be
               tolled  from  the  date  the  notice  was  sent to the  date  the
               information  is  received.  In the  event  such an  extension  is
               needed,  written notice of the extension shall be provided to the
               claimant prior to the commencement of the extension. In reviewing
               the claim, the Committee may retain experts or other  independent
               advisors.  In such event,  an  extension of time for processing
               may be  required  but a decision  on the appeal  shall be made as
               soon as is

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               reasonably practicable under the circumstances. Written notice of
               the decision will be made to the claimant not any later than five
               (5) days after the  decision has been made by the  Committee.  At
               the Committee's discretion,  an appeal from a denial of the claim
               by the Plan  Administrator,  or a referral of a claim directly to
               the Committee by the Plan  Administrator,  may be referred to the
               Senior Vice President - General Counsel for review.

          4.   When a claim for breach of  fiduciary  duty,  or an appeal from a
               denial of a fiduciary  duty claim under Section 3 or 4 above,  is
               referred to the Senior Vice President  -General  Counsel,  he/she
               shall have full  authority  and sole  discretion to determine the
               manner in which to discharge his/her  responsibility with respect
               to the review of the claim or the appeal.  This includes,  but is
               not limited to, retaining the  responsibility to review the claim
               or  appeal,  appointing  an  independent  fiduciary,   seeking  a
               declaratory  judgment in federal court,  or seeking review of the
               claim or appeal by an existing or specially  appointed  committee
               of the Board. The Senior Vice President -General Counsel,  or any
               person who is responsible for making the decision with respect to
               the claim or appeal as determined  by the Senior Vice  President-
               General  Counsel as  described  above  ("Appointee"),  may retain
               experts or other independent  advisors in his/her sole discretion
               with  respect  to  review of the  claim or  appeal.  The claim or
               appeal  shall be  reviewed  on the  basis of the  written  record
               submitted by the Participant and the record developed by the Plan
               Administrator, if any.

          5.   A decision shall be made as soon as reasonably  practicable under
               the circumstances. Written notice of the decision will be made to
               the  claimant not any later than five (5) days after the decision
               has been made.  The  decision on review  shall be in writing in a
               manner  calculated to be understood by claimant,  and include (i)
               the  specific  reason or reasons  for the denial;  (ii)  specific
               reference to  pertinent  Plan  provisions  on which the denial is
               based  along with a copy of such Plan  provisions  or a statement
               that one  will be  furnished  at no  charge  upon the  claimant's
               request;  (iii) a  statement  that the  claimant  is  entitled to
               receive,  upon request and free of charge,  reasonable access to,
               copies of, all documents, records, and other information relevant
               to the claimant's  claim;  and (iv) a statement of the claimant's
               right to  bring a civil  action  under  Section  502(a)  of ERISA
               following   an  adverse   determination   on  review.   The  Plan
               Administrator,  Committee,  the Senior  Vice  President - General
               Counsel or the Appointees  each  severally  shall have full power
               and discretion under the Plan to consider  Participant  fiduciary
               claims.  Decisions of the  Committee,  the Senior Vice  President
               -General Counsel or the Appointees, as the case may be, are final
               and  conclusive  and  are  only  subject  to  the  arbitrary  and
               capricious  standard of judicial review and shall bind and may be
               relied upon by the Participants,  beneficiaries, or the estate or
               legal  representative  thereof, the Trustee and all other parties
               in interest."

2.  Amend Section 5(e) to provide as follows:

    "(e)  Exhaustion Requirement and Limitation on Claims

          No  legal  action  may  be  brought  by  a   Participant,   dependent,
          beneficiary,  or  the  estate  or  legal  representative  thereof  for
          entitlement  to benefits  under the Plan or breach of  fiduciary  duty
          until  after the claims and appeals  procedures  of the Plan have been
          exhausted.  Unless a different  period of limitation  is  specifically
          provided  under  ERISA,  any claim  under the Plan must be  brought no
          later than two years  after  such  claim has  accrued in order for the
          review authorities to conduct a timely and effective investigation

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          of the claim. For matters not  specifically  addressed in this Section
          5, no other  actions  may be  brought  against  the Plan more than six
          months after such claim has accrued."







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