Special Early Retirement Benefit of

APPENDIX B
SPECIAL EARLY RETIREMENT BENEFIT


B.1 Eligibility


A special early retirement benefit, as set forth in Section B.2 hereof,
shall be offered to all eligible Participants. For purposes of this
Appendix B, the term 'Eligible Participant' shall mean each Participant
who as of July 1, 1997 (a) will have completed ten (10) or more years
of Credited Service, and (b) will have attained the age of fifty-five
(55). Each such Eligible Participant will be offered the special early
retirement benefit described in Section B.2 and may make a written
election during an election period beginning on March 15, 1997 and
ending at 4:30 P.M. on April 30, 1997 to retire between July 1, 1997
through December 31, 1997 and receive such special early ret ...