Retirees
Retirement & Savings Plan

Upon termination of employment, a participant may:

• Leave the accumulations in the account and continue to manage the investments;
• Withdraw all or a portion of accumulations (subject to income taxes and/or penalty taxes); or
• Roll over all or a portion of the accumulations to an eligible retirement plan, e.g., an individual retirement account (IRA ).

Upon termination of employment, a participant must:

• Handle all transactions, including withdrawals and rollovers, directly with the investment company.
• Continue to direct the investment of the Plan account.
• Notify the investment company of any name/address change.
• Notify the investment company of any beneficiary change.
• Begin to receive minimum required distributions on or before the required beginning date.