All pension benefits, benefits on terminating employment, death benefits, and other amounts payable are designed to provide retirement income.

Generally, with the exception of marital breakdown, your benefits cannot be assigned to anyone, nor can they be claimed by your creditors even if you become bankrupt.

Contributions by you and your employer are remitted to a pension trust fund.  The pension trust fund is held separate from the assets of your employer.

*This description of the Plan is a summary for communication purposes only.  Interpretation is governed by the legal plan documents which the Pension Committee has reserved the right to amend from time to time.  In the event of any inconsistency, provisions of the legal plan documents and any applicable legislation will prevail.