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Table of Contents

INTRODUCTION

PARTICIPATION AND CONTRIBUTIONS

SERVICE

PENSIONS

STANDARD PAYMENT FORMS

BENEFIT PAYMENT OPTIONS

DEATH BENEFITS

SOCIAL SECURITY, MEDICARE AND INCOME TAX

WORKING AFTER RETIREMENT-SUSPENSION OF BENEFITS

APPLYING FOR BENEFITS

GENERAL INFORMATION

PLAN TERMINATION

TERMINATION INSURANCE

IMPORTANT PLAN INFORMATION

STATEMENT OF RIGHTS UNDER THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974(ERISA)

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