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NAYLOR PUBLICATIONS RETIREMENT SALARY SAVINGS PLAN

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Plan General Information

NAYLOR PUBLICATIONS RETIREMENT SALARY SAVINGS PLAN Total Retirement Plan Assets

At the end of 2005, the total retirement plan assets of NAYLOR PUBLICATIONS RETIREMENT SALARY SAVINGS PLAN is $2,364,705.00.This plan was established in 1995.

NAYLOR PUBLICATIONS RETIREMENT SALARY SAVINGS PLAN Total Number of Retirement Plan Participants

At the end of 2005, the total number of retirement plan participants in NAYLOR PUBLICATIONS RETIREMENT SALARY SAVINGS PLAN is 162

NAYLOR PUBLICATIONS RETIREMENT SALARY SAVINGS PLAN Average Participant Retirement Account Value

In 2005, the average participant retirement account value for NAYLOR PUBLICATIONS RETIREMENT SALARY SAVINGS PLAN is $14,596.00

NAYLOR PUBLICATIONS RETIREMENT SALARY SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2005, the estimated average employee contribution amount per participant for NAYLOR PUBLICATIONS RETIREMENT SALARY SAVINGS PLAN is $5,154.00.

NAYLOR PUBLICATIONS RETIREMENT SALARY SAVINGS PLAN Total Retirement Plan Asset Growth Rate

In 2005, the total retirement plan asset growth rate of NAYLOR PUBLICATIONS RETIREMENT SALARY SAVINGS PLAN is 24.58%.

NAYLOR PUBLICATIONS RETIREMENT SALARY SAVINGS PLAN Estimated Aggregate Retirement Account Investment Gain/Loss

In 2005, the estimated aggregate retirement account investment gain/loss for NAYLOR PUBLICATIONS RETIREMENT SALARY SAVINGS PLAN is 7.11%. This measures the effectiveness of the plan participants' investments in the year.

NAYLOR PUBLICATIONS RETIREMENT SALARY SAVINGS PLAN Expense Ratio

In 2005, the investment and administrative expense ratio of NAYLOR PUBLICATIONS RETIREMENT SALARY SAVINGS PLAN is 0.00%.

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