GIC LONG TERM DISABILITY

Monthly GIC LTD Rates as of July 1, 2010

ACTIVE EMPLOYEE AGE        EMPLOYEE PAYS MONTHLY
         Per $100 of Monthly Earnings       
        Under 20                                     $.09 
           20-24                            .09 
           25-29                               .11
           30-34                             .15
           35-39                              .19
           40-44                             .38
           45-49                             .55
           50-54                              .77
           55-59                             .98
           60-64                             .89
           65-69                                .41
       70 and over                             .23

This is a general description of the benefits for this open enrollment. Please understand that this does not provide you with all the details of the different plans. For more comprehensive information regarding any of our benefit programs, please refer to the Summary Plan description for each of the plans described which can be obtained in the Benefits Department.