The Savings Program makes saving easy. It lets you manage your account over the telephone through a voice response unit or by speaking with a customer service representative. By calling the information line, you can:

• check your account balance and investment performance
• transfer between investment funds

and

• request a withdrawal.

When you call the information line, you will need your PIN and a touchtone phone to use the voice response unit. If you do not have a touch-tone phone, call the information line and speak to a customer service representative.

You received your PIN with your activation kit. You may change your PIN to personalize it any time you wish. Your PIN is confidential and should be kept in a safe place. If you lose your PIN, you may call the information line or log on to the Internet site and a copy of the number will be sent to your home. For security reasons, you can never get your PIN over the phone.

Accessing the System
To activate your Internet account, call the toll-free number for the Savings Program. The number is 1-888-I-SAVE-IT (1-888-472-8348). The voice response unit has a menu selection for account activation. You may choose to talk to a customer service representative, and they will help you with the account activation.

After you have activated your account, log on to the internet by typing ttp://oakridge.csplans.com, then simply go to the log in screen, press “log in,” enter your social security number and your PIN, and press submit. Every participant in the program will be able to gain access to the program, as long as they have an account balance.

Working With the Program
After you log on, the system greets you and immediately shows the market value of your account as of a particular date. Remember, our program is valued daily, and the amount shown on the screen is the market value as of the close of business of the previous business day. This value is updated once a day, so the value you see in the morning will be the same value for that entire day. The system is updated with current information sometime after midnight.

If you want to see more information about the program or your account, you must click on the Program Name. Some companies have more than one Savings Program with CitiStreet, so the system allows you to select the proper program. We have only one program, so click the Savings Program button to proceed.