You can sell all or some of your shares at any time. However, if you sell any of your shares, your participation for the year will end. Any shares not sold at that time will be distributed to you. You will be able to rejoin during the next annual benefits enrollment period.

All sales of partial or full shares will be made by Mellon Investor Services, generally within 10 business days of their receipt of your instructions to sell. You will receive a statement of your account periodically. The reverse side of your statement has instructions for contacting Mellon Investor Services. Please be sure to keep your account statements for your tax records.

If you sell your shares or close your account, you choose how your plan account is paid to you. You have three choices. You may elect that your account be paid in:

These options, and how to make payment choices under the plan, are described below.

If you choose to have your account paid to you in shares rather than in cash, you'll receive a stock certificate for the full shares you own. Partial shares and contributions remaining in your account are paid to you in cash. Typically, you can expect to receive stock certificates within three weeks after your request is received. The stock certificates are issued in your name only. You cannot assign ownership to a third party until after you receive your stock certificate or transfer your shares to a common stock account.

If you choose to have your account paid to you in cash, your shares are sold by the plan. All sales of partial or full shares will be made by Mellon Investor Services, generally within 10 business days after their receipt of your instructions to sell. As a result, there can be no guarantee of the price at which the shares are sold, primarily because of market fluctuations. You receive a cash payment based on the sale price of the stock. In addition, you'll receive cash for any contributions held in your account. (Please Note: The sale will result in a tax liability.) Please see "Paying Taxes on Plan Benefits" for more information.

If you choose to have your account paid to you in a combination of shares and cash, you'll need to indicate the number of whole shares you would like to receive. You'll receive a stock certificate for that number of shares. Typically, you can expect to receive a stock certificate within three weeks after your request is received. The stock certificate is issued in your name only. You cannot assign ownership to a third party until after you receive your stock certificate or transfer your shares to a common stock account.

For the remainder of your account that you have requested to be paid to you in cash, shares held in your account are sold by the plan. All sales of partial or full shares will be made by Mellon Investor Services, generally within 10 business days after their receipt of your instructions to sell. As a result, there can be no guarantee of the price at which the shares are sold, primarily because of market fluctuations. You will receive a cash payment based on the sale price of the stock. In addition, you will receive cash for the value of the partial shares and any contributions held in your account.

For details on making your payment choice, follow the instructions on the reverse side of your account statement from Mellon Investor Services.

To receive payment from the plan promptly, be sure to follow the directions on the reverse side of your statement from Mellon Investor Services. Also, to avoid delays caused by misdirected payments, please be sure that Mellon Investor Services has your most recent address on file. You may update your mailing address at Mellon Investor Services by calling 1-800-758-4651.