Question: EXHIBIT 13-1 Defined Benefit Plans Minimum Vesting Schedules* Full Years of Service 1 234569 7 5-Year Cliff 7-Year Graded 0% 0% 0 0 0

EXHIBIT 13-1 Defined Benefit Plans Minimum Vesting Schedules* Full Years of Service 1 234569 7 5-Year Cliff 7-Year Graded 0% 0% 0 0 0 20 0 40 100 60 N/A 80 N/A 100 *Percent of employee benefit no longer subject to forfeiture.

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