Benefits to which you are entitled under the Pension Plan are insured by the Pension Benefit Guaranty Corporation (PBGC). This insurance guarantees that certain benefits will be paid if the Plan should terminate for any reason.

Generally, the PBGC guarantees most vested normal retirement age benefits, early retirement benefits and certain disability and survivorís pensions. However, the PBGC does not guarantee all types of benefits under covered plans, and the amount of benefit protection is subject to certain limitations.

The PBGC guarantees vested benefits at the level in effect on the date of plan termination. However, if a plan has been in effect fewer than five years before it terminates, or if its benefits have been increased within the five years before plan termination, the whole amount of the planís vested benefits or the benefit increase may not be guaranteed. In addition, there is a ceiling on the amount of monthly benefits that the PBGC guarantees, which is periodically adjusted.

For more information on the PBGC insurance protection and its limitations, ask your Plan Administrator or the PBGC. Inquiries to the PBGC should be addressed to the Coverage and Inquiries Branch, PBGC, 1200 K Street, N.W., Washington, D.C. 20005-4026. The Coverage and Inquiries Branch of the PBGC can also be reached by calling (202) 326-4000.