The Plan provides for benefits in the event of your death before you begin receiving benefits. The benefit payable depends on whether you are married or single at the time of your death.

Married Participants

If you are married on the date of your death and die before retirement, your spouse is entitled to a Pre-Retirement Surviving Spouse Annuity equal to 50% of the amount you would have received under the 50% Joint and Survivor Annuity option had you retired on the day before your death.

This benefit is effective the later of the month after your death or the month in which you would have reached your earliest retirement age under the Plan. If at the time of your death you had not reached earliest retirement age, your spouse may elect to receive payments as early as the month following your death; however, the benefit is further actuarially reduced to account for early payment. Your spouse may also choose to postpone payments, but not past your Normal Retirement Age.

Payments to your spouse under a Pre-Retirement Surviving Spouse Annuity will stop upon his or her death.

Unmarried Participants

If you are not married on your date of death and you die before you retire (or start receiving a Full Disability Benefit), a Lump Sum Death Benefit of $5,000 may be payable to your family if you meet the following conditions:

• You are Vested;
• You have 435 Hours of Work in Covered Employment within the 24-month period preceding your death, and you have not been employed in Non-Signatory Employment (unless you returned to Covered Employment and earned Pension Credit equal to the number of months you were previously employed in Non-Signatory Employment¹); and
• A Qualified Domestic Relations Order (QDRO) has not been filed with the Plan assigning a portion of your pension to a former spouse or dependents.

You do not need to designate a Beneficiary for the Lump Sum Death Benefit. In the event of your death, if you are eligible for the Lump Sum Death Benefit, the payment will be paid in the following order:

• To your children (to share equally), and in the event you have no children,
• To your parents (to share equally), and in the event you have no parents,
• To your siblings (to share equally).

If none of these persons survive you, no benefit is payable.

_{1 Your ability to restore eligibility is limited to your first return to work after your Non-Signatory Employment.}