At retirement, you were entitled to receive the full value of your Savings Program account. You had the opportunity to receive your savings all at once or over time — or to defer your total account value. (That is, leave your savings in the Savings Program.)

If your Savings Program account has been deferred, your savings will remain invested in the Savings Program funds as you direct.

In any event, Savings Program required minimum distribution payments will begin no later than December of the year in which you reach age 70-1/2.