2. Five Key Risks You Need to Plan For Rising Inflation Rates Longevity – Outliving retirement money Withdrawal Rates – Excessive withdrawal rates Asset Allocation – Planning for market risks Rising Health Care Costs

3. $104,000 total invested Sally $40,000 total invested$343,414 Total contributions value (assuming a 7% annual rate of return) John $293,935 SallyJohn Hypothetical pretax contribution of $4,000 per year from ages 30 to 39 Total amount contributed = $40,000 Total contributions value = $343,414 (pretax) after 36 years Hypothetical pretax contribution of $4,000 per year from ages 40 to 65 Total amount contributed = $104,000 Total contributions value = $293,935 (pretax) after 26 years 30313336384043454749515355586163 65 68 A Hypothetical Example Start Early!!!!

4. Tax advantages Ease and convenience Disciplined savings Investment flexibility Benefits of the MBP 401(k) Plan

5. Who Is Eligible To Participate?  Once YOU have attained the age of 21 and are scheduled to work at least 1,000 hours per year as a regular Team Member, YOU are eligible to participate in the plan (Co-Ops, Interns, and Temporary Team Members are not included as eligible participants).  Once YOU complete the above requirements you will be enrolled in the Plan at the beginning of the next calendar quarter (January, April, July, or October).

6. How Much May I Contribute?  When you are first enrolled in the Plan, your contribution rate will be set at 3% unless you elect to change the contribution rate.  For 2010, you may contribute up to $ 16,500.  If you are age 50 or older during the Plan Year, you may contribute up to $ 22,000 by taking advantage of the “catch up" provision. NOTE: Certain highly compensated employees are subject to IRS testing limits that may limit their contributions

7. Is MBP Making a Contribution to the Plan? MBP is currently providing a matching contribution equal to 20 percent of the amount you contribute to the Plan. For example, if you contribute $ 10,000 the MBP match will total $ 2,000.

8. Can Withdrawals Be Made From The Plan?  Withdrawals without restriction may be made at retirement, death, or disability. At the time of the withdrawal a tax liability exists unless funds are rolled over to another plan, or your IRA.  You are always 100 percent vested in the funds that you contribute. You vest in the MBP match based on the following schedule: Year 1 0% Year 4 60% Year 2 20% Year 5 80% Year 3 40% Year 6 100%  The Plan will allow you to borrow from your account subject to certain restrictions. You may borrow up to 50 percent of your account value. You are required to pay your loan back over a period not to exceed 5 years.  The Plan also allows you to have a Hardship Withdrawal if you have a financial emergency.

9. What Happens To Your Contributions?  Your Contributions and MBP Matching Contributions are placed in an account in your name in the Plan after each pay period.  You direct the investment of all contributions to one of the available option(s) of your choice.  Each quarter you will receive an account valuation which will detail for you the transactions that have occurred that quarter.

10. Can I Change My Investment Direction and Contribution Amounts?  You can change the investment direction of new money and past accumulations at any time by calling (888) 401-5488, or by accessing the Plan's Internet website at www.plandestination.com.  You can change your contribution rate at the beginning of each calendar quarter by completing an enrollment form or by accessing your HR System during Open Enrollment.

11. Are There Any Expenses That I Have To Pay?  Your account in the Plan pays the investment expenses of the funds that you elect to use.  Plan administration, audit, legal & consulting expenses are paid by MBP.

12. Investment Considerations

13. Risk Spectrum Decreasing Investment Risk & Increasing Inflation Risk Increasing Investment Risk & Decreasing Inflation Risk 45% 40% 10% 60% 20% 50% 25% 30% 5% ConservativeBalancedGrowth 10% U.S. EquityNon-U.S. Equity MM/Short-Term Investments & Other Assets Bonds 5% Aggressive Growth 70% 15% Determine a Target Asset Mix

14. Life Event Review your overall plan in light of any major life changes, whenever they occur. Compare your current asset allocation to your target allocation Make any necessary adjustments by redirecting savings inflows to underweighted asset classes or shift money from one asset class to another (rebalance) Review your overall plan Evaluate savings rate and target allocation; adjust as needed Review retirement plan beneficiary designations Check that the amount you’re saving matches your target savings rate Review account statements QuarterlyTwice a YearYearly Investment Review Calendar

15. Investment Funds’ Performance Returns

16. If I am New to the Plan -- What Do I Need to Do??  Complete the Enrollment Form  Complete the Plan Beneficiary Designation Form  Return both by Friday, June 25 th to your Regional HR Generalist.