Pension Summary Plan Description

11.1 Non-Spouse Joint Annuitant

If you selected a Joint Annuity and designated a non-Spouse Joint Annuitant when you applied for benefits, you may change to a Straight Life Annuity or you may designate your Spouse as your Joint Annuitant. The change will take effect two years after the date the Trust receives your application, and only if you and the person you originally named as Joint Annuitant are alive at the end of this two-year period.