For all Plan Years:
Hours of Covered Employment Less than 1,000 Hours 1,000-2,000 Hours More than 2,000 Hours	CYOS Hours/1,000 1.0 Hours/2,000

For Plan Years prior to 7/1/2001: Same as CYOS, above
For Plan Years after 6/30/2001:
Hours of Covered Employment Less than 250 Hours 250-2,000 Hours More than 2,000 Hours	VS Hours/1,000 1.0 Hours/2,000
See Example Past Vesting Service

Contributory Hours/2,000

The lesser of Past Vesting Service and Contributory
Benefit Service

Effective 7/1/2001, Participation begins on the first of the month following 250 Hours of Covered Employment in a Plan Year.

Effective 7/1/2001, a One- Year Break-in-Service occurs in a Plan Year if your hours are less than 250. If you are not vested, you will cease to be a Participant at the end of the Plan Year and your Vesting and Benefit Service are cancelled.



Waiver of Break-in-Service
Maternity/Paternity Leave Exception

If your Vesting and Benefit Service are cancelled due to a Break-in Service, they will be reinstated upon reestablishing Participation before you incur a total of five consecutive One- Year Breaks-in-Service.

See Recaptured Vesting and Benefit Service

100% Vesting after 5 Years of Vesting Service
0% with less than 5 Years of Vesting Service

100% Vesting after 10 Years of Vesting Service
50% after 5 Years of Vesting Service (after 6/30/1990)
0% otherwise

See Contiguous Non-Covered Employment Vesting
See Normal Retirement Age Vesting