Plan B-1

The following section provides a brief description of important Pension Plan concepts. For more detailed information, refer to the Summary Plan Description (to be published soon) and the Summaries of Material Modifications. If there are any discrepancies between the information provided in the brief description below and the Plan Document, the Plan Document will govern.

Participation, Vesting, and Breaks in Service

Types of Pensions & Calculations of Benefits

Retirement Benefit Payment Options

If You Die before Retirement (Survivor Benefits)

Applying For Your Pension

Employment After Retirement