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Benefits Costs (continued)



        Voluntary Life Insurance

        Monthly Rates per $1,000 of Coverage

         Age                              Associate Rate              Spouse Rate*              Child(ren) Rate

         19 and Under                          0.122                      0.122                     0.230
         20 to 24                              0.122                      0.122                     0.230
         25 to 29                              0.141                      0.141                0.230 (up to age 26)
         30 to 34                              0.178                      0.178                      N/A
         35 to 39                              0.196                      0.196                      N/A
         40 to 44                              0.215                      0.215                      N/A
         45 to 49                             0.308                      0.308                       N/A
         50 to 54                             0.455                      0.455                       N/A
         55 to 59                             0.824                      0.824                       N/A
         60 to 64                              1.249                      1.249                      N/A
         65 to 69                             2.378                      2.378                       N/A
         70 to 74                             3.837                       N/A                        N/A
         75 and Above                          6.154                      N/A                        N/A
        *Spouse Rate is based on Associate’s age.














































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