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Table of Contents

1. Letter to Participants
2. Directory
3. Section 1 – Questions and Answers
   1. General Information
   2. Plan Financing
   3. Plan Participation
   4. Earning Credited Service
   5. Becoming Vested
   6. Break In Service
   7. Normal Pension
   8. Unreduced Early & Early Pension
   9. Disability Pension
   10. Applying For Pension Benefits
   11. Receiving Your Pension
   12. Surviving Spouse’s Pensions
   13. Reciprocal Agreements
   14. Optional Joint & Survivor Form Of Pension Payment
   15. Appeal Procedure
   16. Suspension Of Pensions
4. Section 2 – Technical Details