Introduction
Participation
Contributing to the Plan
Vesting
Your Individual Transfer Account
Investing Your Account
When Benefits Are Paid
Benefit Amount
Payment Forms Offered by the Plan
Pre-Retirement Death Benefits
Designating Your Beneficiary
Working After You Retire
Reciprocity
Other Important Information
Taxation of Benefits and Rollovers
Summary
    Summary
    Your Right to Waive the 30-Day Notice Period
    Direct Rollover to a Plan
    Direct Rollover to a Traditional IRA
    Direct Rollover of a Series of Payments
    Payment Paid To You
    Change in Tax Treatment Resulting From a Direct Rollover
    Direct Rollover
    Payments That Can and Cannot Be Rolled Over
Income Tax Withholding
Surviving Spouses, Alternate Payees and Other Beneficiaries
Plan Administrative Information
Claims and Appeals Procedures
Your Rights Under the Plan
Information Disclaimer