WHO BEARS THE RISK OF MARKET FLUCTUATIONS IN THE COMMON STOCK?
A Participant’s investment in shares held in the Plan account is no different from his or her investment in directly held shares. The Participant bears the risk of any loss and enjoys the benefits of any gain from market price changes with respect to such shares. 39. WHO SHOULD BE CONTACTED WITH QUESTIONS ABOUT THE PLAN? All correspondence regarding the Plan should be directed to: The Bank of New York Investor Relations Department P.O. Box 11258 Church Street Station New York, New York 10286-1258 Telephone (800) 524-4458 Please mention Countrywide Credit Industries, Inc. and this Plan in all correspondence. 40. HOW IS THE PLAN INTERPRETED? Any question of interpretation arising under the Plan will be determined by the Company and any such determination will be final. The Company may adopt rules and regulations to facilitate the administration of the Plan. The terms and conditions of the Plan and its operation, all related forms and Participants’ accounts will be governed by the laws of
