INTRODUCTION

I.        BENEFIT HIGHLIGHTS
            A.  Monthly Pension Benefits:  Normal, Early, and Disability
            B.  Lump Sum Disability Benefit
            C.  Death Benefits:  Before and After Retirement
            D.  Withdrawal Benefits

II.        OTHER IMPORTANT FEATURES AND DEFINITION OF TERMS
            A.  Becoming a Participant in the Plan
            B.  Service Credit
            C.  Vesting
            D.  Break in Service  (Loss of Participation)
            E.  Temporary Break in Service  (Eligibility for a Withdrawal Benefit)
            F.  Re-employment After Retirement
            G.  Contributions After Retirement
            H.  Loss of Past Service Pension
             I.  Qualified Domestic Relations Orders

III.       APPLYING FOR BENEFITS
            A.  Advance Filing Rule
            B.  Proof of Age Required
            C.  When Payments Begin and End
            D.  Appealing Denial of a Claim

IV.       GENERAL QUESTIONS AND ANSWERS

V.        PLAN IDENTIFICATION AND YOUR LEGAL RIGHTS
            A.  Plan Operations
            B.  Rights Under ERISA
            C.  The Pension Benefit Guaranty Corporation
            D.  Plan Termination Information

APPENDIX A   (Reduction for Pension Options)

APPENDIX B   (Early Pension Reduction Factors)

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