Increase of holdback on withdrawals and transfers

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Increase the monthly amount payable in the event you become under or unemployed

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Decrease of Holdback on Withdrawals and Transfers

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Changes to Interest Rate on Loans

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Annuity Fund Plan Amendment regarding the term Spouse

Effective September 16, 2013, the Board of Trustees have determined to amend the Annuity Plan pursuant to Section 4.8 to define the term "Spouse".

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Economic Hardship Loan caused by Natural Disaster

The Board of Trustee has voted to allow participants to borrow from thier Annuity Account for expenses due to Economic Hardship caused by Natural Disaster (Hurricane Sandy).

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