The following are highlights of the Plan:

• You are eligible to participate in the plan following 12 months of continuous service.

• Employees can contribute a minimum of 2% to a maximum of 10% of pay. The Company will match it at 50 cents on the dollar.

• Employees can change their contribution percentage twice a year on January 1st and July 1st.

• Employees can suspend their contributions at any time and if they wish to resume contributions it must be on January 1st or July 1st.

• Shares are purchased by Computershare once a month for plan participants.

• Dividends paid on shares can be re-invested or paid in cash.

• Quarterly statements are issued, as well as reports, proxy statements and other communications distributed to shareholders.

You will be contacted by NA Human Resources approximately one month before you become eligible for the plan and you will receive an enrollment form at that time.

If you wish to make a change to your contribution, you can find the Computershare Change Form under Resources. Please forward the completed form to NA Human Resources. Forms should be received 10-15 business days before the effective date to allow for processing.