3. WHEN IS MY PENSION GUARANTEED?

Vesting (having a guaranteed right to a pension benefit) can be achieved in five ways:

1. At completion of 5 Vesting Service Years for
   1. participants entering the plan on or after July 1, 1999, or
   2. participants entering the plan prior to July 1, 1999 who worked 375 hours from July 1, 1998 through June 30, 1999 and more than one hour after July 1,1999, or
   3. participants entering the plan prior to July 1, 1999 who did not work 375 hours from July 1, 1998 through June 30, 1999 but who re-enter the plan after July 1, 1999 and work one additional Vesting Service Year.
2. While still an active employee at the later of:
   1. the 5th anniversary of your first Covered Hour, or
   2. your 65th birthday.
3. At completion of 5 Vesting Service Years for participants with one Vesting Service Year earned after July 1, 1989 and while the participant was not covered by a collective bargaining agreement.
4. At completion of 10 Years of Total Credited Service. To vest with 10 years of Total Credited Service, at least 2 of the years must be Credited Future Service.
5. At completion of 10 Vesting Service Years for participants entering the plan prior to July 1, 1999 who did not work 375 hours from July 1, 1998 through June 30, 1999 or at least one hour after July 1, 1999.