INTRODUCTION ANNUITY PLAN HIGHLIGHTS
BEGINNING WORK
Becoming a Participant Naming a Beneficiary
YOUR ANNUITY PLAN ACCOUNT
Vesting
Rollover Account
Investment Elections
Your Investment Options
Valuation Date
PREPARING FOR THE FUTURE
Your Time Horizon
Risks and Returns
Types of Investments
Investment Considerations
PAYMENT OF BENEFITS
Eligibility for Payment of Benefits
Benefit Amount
Minimum Required Distribution (MRD) Requirements
Divorce and Qualified Domestic Relations Orders (QDROs)
Forms of Payment
IN THE EVENT OF DEATH
If You Die Before Payment of Your Benefit Begins
If You Die After Payment of Your Benefit Begins
Payment of Death Benefits
LOANS AND HARDSHIP WITHDRAWALS
Rules Related to Hardship Withdrawals
Rules Related to Loans
Spousal Consent for Loans or Hardship Withdrawals
APPLYING FOR BENEFITS
If Your Application Is Denied
Appeal Procedures
Appeal Decisions
CONCERNING TAXES
Direct Payment
Rollovers
ADMISTRATIVE FACTS
YOUR ERISA RIGHTS
GLOSSARY