Pension Plan (Tober Enterprises Division)

Index

Introduction

Plan Background

Changes to the Plan effective January 1, 1998

Plan Membership and Contributions

How is my Pension Calculated?

Retirement Pension Dates

Sample Pension Calculation

Termination of Membership Before Retirement

Transfer to a Locked-In Arrangement

Cash Payment of Small Benefits

In The Event You Receive Wage Loss Benefits

In The Event of Your Death

In The Event Of Marital Break-up

Tax Considerations

Plan Registration and Administration

Glossary of Pension Terms

Questions and Answers