Pension Summary Plan Description

13.3 Qualified Domestic Relations Orders (QDROs) and Protection of Benefits

Benefits under this plan cannot be assigned, sold, transferred, used to secure debts, or subject to attachment, garnishment, or any other legal process except in limited situations as provided by federal law (including levies by the IRS).

Enforcement of a qualified domestic relations order (QDRO) is allowed. A QDRO is a court judgment, decree, or order which governs child support, spousal support or alimony, or marital property rights.

Payments under a QDRO cannot be made until a Participant separates from service or reaches age 52 and would be eligible to retire based on age and service. Should a participant retire with a QDRO on file, the Alternate Payee will commence their payments as well. You may obtain a copy of a model QDRO and the Plan's QDRO procedures from the Trust Customer Service Office.