Pension Plan Summary Plan Description

6.3 Normal Retirement Age

Beginning January 1, 1998, Normal Retirement Age is the later of age 65 or the fifth anniversary of your participation in the Plan, provided you have earned at least one hour of Pension Credit after December 31, 1997. Participants with no service after December 31, 1997, require 10 Years of Credited Service and attainment of age 65. In either case, the five or 10-year service requirement must be satsified before incurring a Permanent Break-in-Service for vesting to occur on the basis of attaining Normal Retirement Age.