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Exhibit B <br /> Estimated Savings <br /> 2nd Tier Retirement Formula <br /> Year 1 $ 49,000.00 <br /> Year 2 $ 128,000.00 <br /> Year 3 $ 169,000.00 <br /> Year 4 $ 210,000.00 <br /> Year 5 $ 255,000.00 <br /> Year 6 $ 300,000.00 <br /> Year 7 $ 351,000.00 <br /> Year 8 $ 403,000.00 <br /> Year 9 $ 457,000.00 <br /> Year 10 $ 513,000.00 <br /> Year 11 $ 570,000.00 <br /> TOTAL $ 3,405,000.00 <br />