3. VESTING Generally, you will begin earning credits toward your retirement benefit as soon as you become a Participant. However, you do not have a right to receive a benefit until you become vested. These vesting rules apply to your service after June 30, 2001. See Appendix B for vesting rules before that date. 3.1 Vested Percentage 3.2 Vesting Service 3.3 Past Vesting Service 3.4 Break-in-Service Loss of Benefits Before Vesting