Accessing savings

When you retire under the Company's Pension Plan, including a disability retirement, you are eligible to receive the full value of your account. You may choose to receive your savings in one payment or your may defer payment to a later date, but not beyond age 70 & 1/2. If you elect a full distribution, it will include any outstanding loan balance as part of the distribution. If you defer payment, you may elect the full distribution of your savings at any time or withdraw a portion of your savings subject to the rules of withdrawal. If you wish, you may specify that your withdrawal be taken from one or more of the funds in which your are invested. If you make no specification, your withdrawal will be taken prorata from all the funds.

When full payment is made, you may elect to receive the value of the whole shares of FirstEnergy stock, matching contributions, FirstEnergy Stock Fund, Duquesne stock and PAYSOP accounts ("FirstEnergy Stock Accounts") in the form of a stock certificate or in cash. All other savings and partial shares of FirstyEnergy stock will be paid in cash.

More information can be found in on the FirstRewards Web site (www.myfirstrewards.com).