Defined Contribution Plan Document
ARTICLE IX
GENERAL PROVISIONS
Section 10: Plan Amendment.
The Trustees may amend or modify the Plan at any time
in accordance with the Trust Agreement and subject to the applicable federal law. No
amendment or modification may reduce any benefits which have been approved for
payment prior to amendment, so long as funds are available for payment of such
benefits.
Where the vesting schedule is being amended, for every employee who is a participant
on the amendment adoption date or the amendment effective date, whichever is later,
the non-forfeitable percentage of the Participant's right the employer-derived accrued
benefit may not be less than the Participant's percentage figured under the plan without
regard to the amendment.