Trading Restrictions

Effective May 3, 2006, trading restrictions, designed to minimize the negative impact of short-term trading on fund performance, were added to a select number of funds in the Savings Program Plan investment lineup.

Market timing (or short-term trading) — frequently buying and selling a fund to earn short-term profits — can actually hurt a fund's performance. This increased trading activity can raise the cost of running the fund. It might also interfere with the fund's investment strategy, by forcing the manager to either sell stocks at less attractive prices or hold excess cash to meet redemption requests.

Currently, our plan allows plan holders to transfer existing balances among the investment options up to 12 times a year, and in any event, at least once a quarter. The following restrictions imposed by some of our mutual fund managers are in addition to our plan restrictions.

Trading Restrictions

Trading restrictions reject your transactions if you transfer money out of the fund and then try to transfer money back into the fund, or vice versa, before satisfying the waiting period required by the fund manager.

Effective Date	Fund Name	Transfer Restriction Amount	Waiting Period
5-3-2006	American Balanced Fund	$5,000	30 days
5-3-2006	Investment Company of America Fund	$5,000	30 days
5-3-2006	Growth Fund of America	$5,000	30 days
5-3-2006	New Perspective Fund	$5,000	30 days
5-3-2006	International Growth Fund	$5,000	30 days

Trading restrictions apply to participant transactions.

These redemption fees and trading restrictions have been set by the individual fund managers — not your employer, the Savings Program or CitiStreet. The redemption fees are paid back to the fund's assets to benefit all shareholders. These fees and restrictions actually benefit long-term fundinvestors by protecting fund performance from the negative effects of market timing.

For questions or more information on a transaction you wish to make, log on to the Oak Ridge 401(k) Savings Program web site using your account number and password, or call 1-800.777.4015 and enter your account number and PIN.

This document constitutes a portion of a prospectus covering securities that have been registered under the Securities Act of 1933.