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ITEM 8 / NOTE 22. EMPLOYEE BENEFITS.....................................................................................................................................................................................Expected Cash Flows..............................................................................................................................................................................................Funding for the U.S. pension plan ranges from the minimum amount required by ERISA to the maximum amount thatwould be deductible for U.S. tax purposes. Contributed amounts in excess of the minimum amounts are deemedvoluntary. Amounts in excess of the maximum amount would be subject to an excise tax and may not be deductibleunder the Internal Revenue Code. There are no minimum required cash contributions for the AIG Retirement Plan in2013. Supplemental, AIG NQRIP and postretirement plan payments are deductible when paid.Our annual pension contribution in 2013 is expected to be approximately $100 million for our U.S. and non-U.S.non-qualified plans. No contributions to the AIG Retirement Plan are currently anticipated. These estimates aresubject to change, since contribution decisions are affected by various factors including our liquidity, marketperformance and management’s discretion.The expected future benefit payments, net of participants’ contributions, with respect to the defined benefitpension plans and other postretirement benefit plans, are as follows:PensionPostretirementU.S. Non-U.S. U.S. Non-U.S.(in millions) Plans Plans Plans Plans2013 $ 312 $ 48 $ 16 $ 12014 322 44 17 12015 328 44 18 12016 336 47 18 12017 351 51 19 12018 - 2022 1,830 287 107 10Defined Contribution Plans..............................................................................................................................................................................................In addition to several small defined contribution plans, we sponsor a voluntary savings plan for U.S. employees whichprovide for pre-tax salary reduction contributions by employees. Effective January 1, 2012, the Company matchingcontribution was changed to 100 percent of the first six percent of participant contributions, up to the IRS maximumlimits of $17,000 for employee contributions and to $15,000 for the Company matching contribution, irrespective oftheir length of service. Prior to the change, company contributions of up to seven percent of annual salary weremade depending on the employee’s years of service subject to certain compensation limits.Pre-tax expenses associated with this plan were $132 million, $98 million and $102 million in 2012, 2011 and 2010respectively, excluding approximately $1 million per year relating to ILFC...................................................................................................................................................................................................................................328 AIG 2012 Form 10-K