Retirement Savings Plan Summary Plan Description

6.6 Pension Enhancement

Instead of receiving a distribution directly from the Plan, you may elect a one-time transfer of a single sum amount from your Account to the Pension Plan to enhance your monthly Pension Plan benefit. The rollover must be at least $10,000 and must be elected during the 90-day period that precedes your commencement of benefits from the Pension Plan. The form of benefit for the amount transferred will be the same as that you selected under the Pension Plan, and all of the rules of the Pension Plan will apply to the transfer. This option is a popular alternative to purchasing an annuity from an insurance company since there are no commissions involved. If you would like more information about the pension enhancement option, ask the Plan Office for the document titled Pension Enhancement Option Frequently Asked Questions.