A Final Note

This summary is written in everyday language. We have tried to make it as complete and accurate as possible. If there are any discrepancies between this summary and the legal plan documents (such as CRP’s plan document, individual and group annuity contracts, custodial account agreements and loan agreements), those documents will determine how CRP works and the benefits that are paid. Participating in CRP does not guarantee employment.

While this Summary Plan Description summarizes the major provisions of this plan, it does not provide you with every plan detail. The plan documents, which govern this plan, provide full details. If there are any discrepancies between this Summary Plan Description and the legal plan documents, the legal plan documents control.