APPENDIX A - Reduction for Pension Options
These tables show the percentage of the LIFE ONLY Pension payable to the Participant after reduction for the option selected.

                            Joint and Survivor Pension Options - Percentages
 
Age of Spouse in Relation 
 to Age of Participant
20 years younger
19 years younger
18 years younger
17 years younger
16 years younger
15 years younger 
14 years younger
13 years younger
12 years younger
11 years younger
10 years younger
9 years younger
8 years younger
7 years younger
6 years younger 
5 years younger
4 years younger
3 years younger
2 years younger
1 year younger
      Same
1 year older
2 years older
3 years older
4 years older
5 years older
6 years older
7 years older 
8 years older
9 years older
10 years older
50%
SPOUSE
   80.0%
80.4
80.8
81.2
81.6
82.0
82.4
82.8
83.2
83.6
84.0
84.4
84.8
85.2
85.6
86.0
86.4 
86.8
87.2
87.6
88.0
88.4 
88.8
89.2
89.6
90.0
90.4
90.8 
91.2
91.6
92.0
75%
SPOUSE
   73.0%
73.5
74.0
74.5
75.0
75.5
76.0
76.5
77.0
77.5
78.0
78.5
79.0
79.5
80.0
80.5
81.0 
81.5
82.0
82.5
83.0
83.5 
84.0
84.5
85.0
85.5
86.0
86.5
87.0
87.5
88.0
100%
 SPOUSE
   67.0%
67.6
68.2
68.8
69.4
70.0
70.6
71.2
71.8
72.4
73.0
73.6
74.2
74.8
75.4
76.0
76.6
77.2
77.8
78.4
79.0
79.6
80.2
80.8
81.4
82.0
82.6
83.2
83.8
84.4
85.0

                               LIFE/10 - 120 month minimum guarantee
 

Age on Last Birthday

62
63
64
65
66
67
68
69
70
71

Percentage

   93.65%
92.90
92.05
91.11
90.08
88.97
87.77
86.48
85.12
83.69

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