Computation of Earnings Credited. The Participant may, pursuant to administrative procedures established by the RPAC, request the type of investment crediting rate option with which the Participant would like the Employer, in its sole and absolute discretion, to credit to the Participant's Account during the Participant's Employment. Such investment crediting rate election will apply to all contributions under the ERA; provided that no investment crediting will be made after the Participant incurs a Termination of Employment or transfers to an ineligible position, except as provided in [Section 2],1(aa) (i.e., the Participant qualifies as an Inactive Participant who is not a participant in the SERP). To the extent the Participant has invested in Stock Units, upon his Termination of Employment or transfer to another position, the number of shares of Stock to which he is entitled will be determined and distributable to him pursuant to the terms of the ERA. For purposes of determining when a Participant incurs a Termination of Employment for investment crediting purposes, Employment will be deemed to have ceased on the last day of the calendar month of Employment.

earnings or diluted earnings per share, with or without net pension credit/expense;

Section # VSA Earnings Credit. On a quarterly basis, or more frequently as mutually agreed by the parties, the Company will compute the investment earnings credit on a VSA (the “VSA Earnings Credit”), as determined in accordance with [Schedule 3.3]. The VSA Earnings Credit, whether positive or negative, reflects the change in value of the Variable Separate Account Assets, net of cash flows between a VSA and the General Account, and shall be included as part of the calculation of the periodic payment as provided for in [Section 5.2].

"Final Average Earnings" means the average of the Employee's monthly Earnings for the 60 consecutive calendar month period for which the Employee has Years of Service Credit immediately before the Employee's date of Separation from Service, Disability or death. However, if as of the date of Separation from Service, Disability or death, the Employee has Earnings for less than 60 consecutive calendar months for which he has received Years of Service Credit, his Final Average Earnings shall be based on the number of consecutive calendar months during which he has such Earnings.

During a calendar year, the Participant's Cash Deferral Account shall accrue interest on amounts held by such Account at the Plan Interest Rate for such year, compounded quarterly on the last day of each quarter. Interest will accrue on unpaid amounts in the Cash Deferral Account from the date credited to such Account.

VSA Earnings Credit (if positive), excluding the change in VSA Payable Liability

“VSA Earnings Credit” shall have the meaning set forth in [Section 3.3] hereof.

Amount. With respect to Earnings prior to ​, a Participating Employer shall credit an additional deferral amount (“Company Retirement Deferral”) equal to the percentage of the Excess Earnings of each eligible Participant employed by such Participating Employer in accordance with the following schedule:

Matching Restoration Credit. If a Participant is eligible to be allocated Employer Matching Contributions under the Savings Plan during a Plan Year in respect of which the Participant receives Excess Earnings, then the Participant’s Matching Restoration Account shall be credited with a Matching Restoration Credit for the Plan Year in an amount equal to five percent (5%) of the Participant’s Excess Earnings for the Plan Year.

Credit Information. As to each consumer report (as defined in the Fair Credit Reporting Act, Public Law 91-508) or other credit information furnished by ​ to ​, that ​ has full right and authority and is not precluded by law or contract from furnishing such information to ​ and ​ is not precluded from furnishing the same to any subsequent or prospective purchaser of such Mortgage. ​ shall hold ​ harmless from any and all damages, losses, costs and expenses (including reasonable attorney’s fees) arising from disclosure of credit information in connection with ​’s secondary marketing operations and the purchase and sale of mortgages or Servicing Rights thereto.