Defined Benefit Pension Summary Plan Description

9. What pension payment options do I have if I am not married?

Normal Form

For benefits payable under an Alternative Schedule, there is a 60-month guarantee on the Normal Form of benefit. If you have benefits covered under an Alternative Schedule, your benefit amount is calculated as though it is paid to you for your lifetime, with a 60-month guarantee.

Under the Normal Form of payment, if you die before 60 months are paid, the balance of the 60 months is paid to your designated Beneficiary.

Benefits calculated under the Default Schedule are not eligible for the 60-month guarantee.

If you have a Registered Domestic Partner, you may elect to receive your pension in the Contingent Annuitant Option where your Registered Domestic Partner is your Beneficiary. You will receive a reduced benefit for your lifetime. If you die before your Domestic Partner, 50% of your reduced pension will be payable for the lifetime of the Domestic Partner.

Articles 5.2, 5.6 and 8.2 in the Plan Document provide additional details on payment options for unmarried Participants.