CSX provides competitive benefits and compensation programs.

Benefits vary by craft or union for contract or agreement positions. Refer to the benefits summaries on the National Railway Labor Conference website (www.nrlc.ws/benefits/toc.htm ) for details.

A summary of benefits for management jobs follows.

Savings and Investments
Benefits	Eligibility	Description
Tax Savings Thrift Plan (CSXtra)	Date of Hire (Vested)	401(k) program Employee may contribute pre-tax or after-tax dollars, up to 50% of base salary, subject to IRS limits. CSX will match 50% of the first 6% of employee contributions.
Railroad Retirement www.rrb.gov	Date of Hire for CSXT and some Technology employees	Government sponsored benefit for CSX Transportation and some Technology employees. RR taxes are required instead of Social Security (FICA) taxes for both RR employee and employer. Vesting requires 5 years of eligible service. Upon retirement, receive an annuity from the Railroad Retirement Board.
CSX Pension Plan 866-CSX-PAYS	One Year Service and Age 21	Fully funded by CSX. Vesting requires 3 years of eligible service.
Tuition Reimbursement	Three Months Service	Reimbursement up to $3,500 per calendar year for eligible expenses.

Health and Welfare
Benefits	Eligibility	Description
Medical Coverage (aetna.com ) Includes medical, prescription drug benefits, mental health benefits, disease management, and discounts for eye exams and prescription eyewear through the Vision One Plan. (See discounts)	Date of Hire	80% Indemnity Health Plan Select Health Plan Choice POS II Health Plan - available in most areas. Consumer Driven Health Plan with Health Savings Account Coverage requires a monthly pre-tax contribution. May waive coverage to receive a monthly opt-out credit of $50.
Dental Coverage (PPO) (aetna.com )	Date of Hire	Benefit levels of 100%, 75%, or 50% depending on the procedure. Requires a monthly pre-tax contribution.
Domestic Partner Coverage	Date of Hire	Medical/Dental coverage for same and opposite sex domestic partners.
Tax Savings Reimbursement Plan (TSRP) Flexible Spending Account (aetna.com )	Date of Hire (Pro-rated)	Pre-tax contributions (up to $5,000) to pay for eligible health care and dependent day care expenses.
Vision Plan www.vsp.com	Date of Hire	Coverage for vision care services including regular exams, glasses, contacts and laser vision correction. Monthly premium and co-pays required.
Life Insurance www.metlife.com	Date of Hire	Basic Life Insurance -- Two times annual earnings. Premium paid by CSX. Optional Term Life Insurance -- Additional group term life insurance available to employee and dependents. Employee paid.
Employee Assistance Program 800-657-3366	Date of Hire	Confidential counseling, guidance and referral service program for employees and their dependents.
Short Term Disability www.unum.com 800-421-0344	One Month	Salary Continuance -- 100% of monthly salary up to 182 days depending on length of service.
Long Term Disability www.unum.com 800-421-0344	Six Months	60% of monthly salary from all sources up to a maximum monthly benefit of $10,000. Optional benefit buy-up available.
Personal Accident Insurance www.metlife.com 800-357-4482	Date of Hire	Accidental death and dismemberment insurance benefit of two times annual earnings (plus highest bonus) paid by CSX. Optional additional benefit available. Employee paid.
Travel Accident Insurance	Date of Hire	Accidental death insurance while traveling on company business, 5 times annual earnings ($1,000,000 max). CSX paid.
Vacation	Date of Hire	From 2-5 weeks depending on length of service and employing business unit.

Other Benefits
Benefits	Eligibility	Description
Management Incentive Compensation Program (MICP) Long Term Incentive Plan (LTIP)	Date of Hire	Annual bonus opportunity based on the band of the position, the performance of the company and individual performance. Long term bonus opportunity based on company performance. (Band 6 and above)
Holidays	Date of Hire	Eleven paid holidays (two flex holidays).
Pre-Paid Legal Coverage www.legalplans.com	Date of Hire	Pre-paid legal services. Requires monthly premium. No additional co-pay.
Financial Planning	Date of Hire	Free and fee-based financial planning services available through JPMorgan, as well as free web-based planning tools.
Military Leave	Date of Hire	CSX provides pay differential and leave of absence to National Guard and Reserve service members.
Reward & Recognition Program	Date of Hire	Cash or non-cash awards given by CSX to recognize exceptional effort by an employee or group.
Service Award Program	Date of Hire	Awards recognizing company service on certain anniversary dates.
CSX Employee Service Club	Date of Hire	Volunteer organization dedicated to service in the community and employee activities.
Diversity Councils & Affinity Groups	Date of Hire	Volunteer organizations to help develop and sustain a strong, diverse organization.
Associate Development Program	Date of Hire	A structured, personalized mentoring program linking an employee with a coach for a period of one year.
Supervisory Leadership Workshop	Date of Hire	Instructor-led sessions that provide management and contract supervisors with key leadership skills.
eLearning @ CSX SkillPort	Date of Hire	A web-based learning tool, offering more than 800 courses as well as simulations, skill briefs and job aids.
AFLAC (Optional Cafeteria Plan) CSX Gateway > My Life > Links 904-636-9001	Date of Hire	Pre-tax. Call agent to apply. Cancer, Personal Accident, Recovery, and Income Protection.

Employee Discounts
Benefits	Eligibility	Description
Car Discounts	Date of Hire	Varied discounts determined by manufacturer: - Auto Nation - Chrysler - Ford - General Motors - Mitsubishi - Nissan - Subaru - Volkswagen
Wireless Services	Date of Hire	- AT&T/Cingular Programs - Sprint/Nextel - T-Mobile - Verizon
GE Store	Date of Hire	Up to 20% discount on: - Refrigerators - Microwaves - Washers and Dryers - Ranges - Dishwashers ... and more.
MetLife Auto and Home www.metlife.com	Date of Hire	Optional automobile and home insurance at discount when purchased in conjunction with MetLife's optional life insurance.
Barnes and Noble	Date of Hire	Through a partnership with Barnes & Noble, you can save up to 40% and get free standard shipping on every order you place through this special on-line bookstore.
Aetna www.aetna.com	Date of Hire	Discounts on fitness, vision, and alternative medicine. Visit the web for details and participating providers.

This is a general overview of CSX benefits. It is not intended to be a summary plan description. All management benefits listed above are subject to change.