SUMMARY PLAN DESCRIPTION
Effective July 1, 2009

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TABLE OF CONTENTS
Introduction
Participation
Contributions
Benefit Accrual
Vesting
Normal Retirement
Early Retirement
Deferred Retirement
Disability Retirement
In-Service Withdrawals
Terminating Employment Before Age 55
Forms of Payment
What's Taxable and Non-Taxable?
Designating a Beneficiary
Death Benefits
Leave of Absence, Strikes, Lay-Offs, and Qualified Uniformed Service
Re-Employment
Transferring Your Employment
Employer Suspension
Glossary of Pension Terms Used in This Summary
Plan Information and Your Rights Under E.R.I.S.A.
Claims Procedures
Merger With ABC Plan