This section applies to the Employee Retirement Plan of The McGraw-Hill Companies, Inc. and its Subsidiaries and the Standard & Poor's Employee Retirement Plan for Represented Employees (the "Pension Plan").

The Corporation's Pension Plan can provide you with income during your retirement. Participation is automatic after you meet certain eligibility requirements, and the Corporation pays the full cost of the plan.

For detailed summaries of these plans, see Retirement and Savings in the Benefits Highlights section.