Summary Plan Description (Revised January 1, 2012)

Introduction

If you are vested in this plan and die before you retire, a benefit may be available to your spouse or other designated beneficiary. The primary spouse's benefit is payable to a lawful spouse or minor dependent children. The qualified spouse's benefit is payable to a lawful spouse. The lump sum death benefit is payable to your spouse or, if you are not married or do not have minor dependent children, to your other eligible designated beneficiary.

To receive one of these benefits, your surviving spouse or beneficiary must contact the Trust Office.