This book summarizes the key features of each of the plans in the Company’s benefits program and applies to eligible retirees of the Company, including those represented by collective bargaining units to the extent that they have been negotiated and accepted by the duly certified representatives of participating units.

Complete details of each of the plans can be found in the official plan documents, insurance contracts, and trust agreements (as applicable)that legally govern the operation of the plans. All statements made in this book are subject to the provisions and terms of those documents.

Copies of those documents, as well as the latest annual reports of plan operations and plan descriptions as filed with the Internal Revenue Service and the U.S. Department of Labor, are available for your review any time during normal working hours in the office of the plan administrator.

Upon written request to the plan administrator, at the address previously mentioned, copies of any of these documents will be furnished to a plan participant or beneficiary, generally within 30 days, at a nominal charge. In addition, once each year you will receive a copy of the summary annual reports of the plans’ financial activities at no charge.

In the event of a conflict between the official plan documents and the summaries in this book, the plan documents are controlling.