ARTICLE 6

VESTED PENSION ON TERMINATION OF COVERAGE

6.1 An Active Participant who completes a Grace Period prior to his Normal Retirement Date shall become an Inactive Vested Participant provided his service meets one of the following conditions:

1. ten (10) or more Credited Vesting Service Years, or
   
2. ten (10) or more years of Total Credited Service, at least two (2) of which are Credited Future Service, or
   
3. five (5) or more years of Credited Vesting Service, provided that at least one (1) of the years was earned:
   
   1. after July 1, 1989, and
      
   2. while the Participant was not covered by a collective bargaining agreement between a Union and Employer.

6.2

1. For Participants entering the Plan prior to July 1, 1999 who were required to accrue ten (10) Credited Vesting Service Years, and who did not work three hundred seventy-five (375) hours or more from July 1, 1998 through June 30, 1999, including more than one (1) Covered Hour after July 1, 1999, an Inactive Participant or an Inactive Employee shall become an Inactive Vested Participant at the completion of the Plan Year in which he accrues ten (10) Credited Vesting Service Years.
   
2. For Participants entering the Plan on or after July 1, 1999, or for Participants who entered the Plan prior to July 1, 1999 and worked three hundred seventy-five (375) hours or more from July 1, 1998 through June 30, 1999, including more than one (1) Covered Hour after July 1, 1999, an Inactive Employee shall become an Inactive Vested Participant at the completion of the Plan Year in which he accrues five (5) Credited Vesting Service Years.

6.3

1. A Participant entering the Plan on or after July 1, 1999 shall be a Vested Participant after having accrued five (5) Credited Vesting Service Years.
   
2. Effective July 1, 1999, a Participant or an Inactive Employee, either of whom has worked 375 hours or more from July 1, 1998 through June 30, 1999, and has accrued five (5) or more Credited Vesting Service Years, including more than one (1) Covered Hour after July 1, 1999, shall be a Vested Participant. Commencing July 1, 1999, a Participant or an Inactive Employee, either of whom worked fewer than 375 hours from July 1, 1998, through June 30, 1999, must earn 750 hours of Service in a Plan Year after July 1, 1999, before divesting to become a Vesting Participant under this Section.

Refers to Local Union representing Participant for preponderance of Covered Hours earned prior to 7/1/82. For a Participant with-preponderance of hours under Local 11, the Benefit Units for any service on or after 6/1/80 will be determined by the Local in whose jurisdiction the hours were worked.

Benefit Unit per 1500 hours determined by period in which last Covered Hour worked, except as noted in (4) and (5) below. If last date worked is after 6/30/82, then Benefit Unit for 6/30/82 will be used for all hours worked up to that date. Beginning 7/1/82, benefit amount of 2.25% of Employer contributions.

Applicable only to Participants who had not retired as of 9/1/75.

$49.45 rate used only for hours worked 6/1/80-1/14/82. Hours through 5/31/80 use Benefit Unit based on last hour worked through 5/31/80 -- if service is continuous, all hours through 5/31/80 would use $40.45 Benefit Unit.

$55.95 rate used only for hours worked 1/15/82-6/30/82. See (4) above for Benefit Unit on hours prior to 1/15/82.