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•	Change the name of the Board's former finance and risk committee to the finance committee in the index and in Sections 3.1, 3.4, and 6.5;

•	Remove the provision that the annual meeting of stockholders will be held on the first Tuesday in June so that it will be held on such date as the chairman of the board or the board of directors designates (Section 1.1);

•	Clarify that written notice of stockholder meetings includes notification by electronic means as permitted by the rules of the Securities and Exchange Commission (Section 1.3);

•	Prohibit the Company from including information about any Proposed Nominee in its proxy materials except to the extent required by applicable law (Section 1.11)

•	Remove from the description of the finance committee responsibility for assisting the board of directors in its oversight of the Company's risk management strategies and policies (Section 3.4);

•	Add senior vice president to the list of officer titles and remove group vice president (Section 4.1);

•	Remove the provision that subordinate officers may be appointed or suspended or removed by a committee of the board (Section 4.13);

•	Eliminate the requirement to supplement any notice given by facsimile, electronic mail or other electronic transmission with a paper copy of such notice delivered by overnight mail or courier service (Section 6.3); and

•	Add to the provision permitting stockholders to adopt, amend or repeal bylaws a reference to Article SIXTH of the Company's Restated Certificate of Incorporation, which requires approval by a majority of the outstanding voting stock for adoption, amendment or repeal of bylaws by stockholders (Section 6.8).

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