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	Age 65 (or later, see Postponed Retirement)   Service & Other Requirements Any service (5th anniversary of participation, if hired after age 65)   Basic Benefit For employees active on January 11, 2008 and later: (a) 2.03% x Final Average Pay x Credited Service prior to 1/1/2004 [maximum 40 years]; plus (b) 1.68% x Final Average Pay x Credited Service from 1/1/2004 through 12/31/2007 [maximum 40 years less Credited Service used in (a)]; plus (c) 0.65% x Final Average Pay x Credited Service on or after 1/1/2008 [maximum 40 years less the sum of Credited Service used in (a) and (b)] Note: If retired or terminated employment prior to January 11, 2008, different benefit provisions will apply (see Announcement). If hired before January 1, 1983, see Grandfather Formula   Forms of Payment (a) Single Life Annuity (no reduction) (b) Qualified Joint and Survivor Annuity (75%)* (c) Joint and Survivor Annuity (50%, 66-2/3%, 100%) (d) 120 Month Certain Annuity (e) Social Security Level Income Annuity Reduction Factors See Spouse Beneficiary Pop-up Feature * If in eligible service on or after December 1, 1999   Conditions Which May Result In Loss of Some or All Benefits Permanent Break-in-Service Suspension of Benefits   View Plan Summary Note: The Plan's provisions regarding Participant-funded Supplementary benefits are described in the "Supplementary Benefits" tab. The provisions summarized above relate to the Company-funded benefits under the Plan, as provided for in the Plan as of May, 2004. The Plan may be amended or terminated at any time, and future benefit accruals (if any) may be different from those that previously applied. In the event of any conflict between the terms of this summary and the Plan document, the terms of the Plan document will control.