Early retirement benefits.

You can receive your benefits without any reduction for the extra cost of starting your benefit early if you retire after age 55 and have at least 10 Years of Vesting Service.  If you have at least 10 Years of Vesting Service but terminate before age 55, you may choose to begin your benefit early after age 55, in which case it will be reduced for the extra cost of starting your benefit early.     If you are eligible to retire earlier under your Prior Plan, you still may do so.  Refer to page 12 of the Summary Plan Description (SPD) for a description of early retirement benefits under a Prior Plan.