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~ VII:2 The Committee, with the written assent oF the Parti-
cipant anc~ by filinq wri~ten notice with the Trustee not
later than thc~ Retirement Date of such P:~rticipani, may
eleet, in liec~ of the nocmal annuity E~~rm or the joint
and survivor Eorm provided under the ter:~s and this
Agreement, payr~ent of benefits at retirement date under
and in accordance with any optional Form of benefit
permitted by the Insurer, including a lump sum payment
and not including the interest only option; provided,
however, that such optional form of beneEit results in
no greater cost to the Trustee as of retirement date
than the normal form as herein provided. ~7ith respect
to any insta2lment options, the maximum payout period
shall not exceed either the life expectancy of the em-
ployee,~or the joint life expectancy of the employee anc~
his spouse, determined at the date beneEits are to com-
mence and in any case not later than actual retirement
following attainment of normal retirement age. The .
, survivor annuity, if effective, shall not be less than
half of the annuity payable to the Participant during
the joint lives of the Participant and his spouse. ~
Upon the receipt of such written election, tMe Trustee
shall execute-and/or have executed such instrwaent as _
may be required by the Insurer for such purpose.
~ VII:3 Payment of benefits shall commence not later than 60
days after the end-of the Plan and Trust year in which
occurs Normal Retirement Date or termination of employ-
ment, if thereafter. Notwithstanding thp preceding
sentence, the payment of the vested int~rest of a ter-
minated Participant may commence not Iater than b4 days
after the end of the Plan and Trust year in which occurs
the earliest possible Early Retiremenk Date as defined
in Section VII:1 of this Plan and Trust, if the Parti- -
- cipant elects such early retirement. .
ARTICLE VIII
EARLY RETIREMENT
VIII:1 " A Participant may retire at any time eithin the ten (lU)
year perio~ immediately preceding his Normal Retirement
~ Date. The amount of retirement annuity due at early
cetirement date shall be equal to the retirement annuity
ac,~rued to such early retirement date reduced one-fif-
teenth for each of the first five (5) yPars and one-
thirtie~h for each of the next five (5) years by which
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