Pension Summary Plan Description

11.2 Change to Benefit for a Joint Annuitant

If you selected a Straight Life Annuity or a Five Year Certain Life Annuity, you may select a Joint Annuity and name your Spouse as Joint Annuitant. The change will take effect two years after the date the Trust receives your application, and only if you are still living at the end of this two-year period.