Table II-A.--Expected Retirement Ages for Individuals in the Low Category ---------------------------------------------------------------------------------------------------------------- Unreduced retirement age Participant's earliest retirement ---------------------------------------------------------------------------- age at valuation date. 60 61 62 63 64 65 66 67 68 69 70 ---------------------------------------------------------------------------------------------------------------- 42................................. 53 53 53 54 54 54 54 54 54 54 54 43................................. 53 54 54 54 55 55 55 55 55 55 55 44................................. 54 54 55 55 55 55 55 56 56 56 56 45................................. 54 55 55 56 56 56 56 56 56 56 56 46................................. 55 55 56 56 56 57 57 57 57 57 57 47................................. 56 56 56 57 57 57 57 57 57 57 57 48................................. 56 57 57 57 58 58 58 58 58 58 58 49................................. 56 57 58 58 58 58 59 59 59 59 59 50................................. 57 57 58 58 59 59 59 59 59 59 59 51................................. 57 58 58 59 59 60 60 60 60 60 60 52................................. 58 58 59 59 60 60 60 60 60 60 60 53................................. 58 59 59 60 60 61 61 61 61 61 61 54................................. 58 59 60 60 61 61 61 61 61 61 61 55................................. 59 59 60 61 61 61 62 62 62 62 62 56................................. 59 60 60 61 61 62 62 62 62 62 62 57................................. 59 60 61 61 62 62 62 62 62 62 62 58................................. 59 60 61 61 62 62 63 63 63 63 63 59................................. 59 60 61 62 62 63 63 63 63 63 63 60................................. 60 60 61 62 62 63 63 63 63 63 63 61................................. ..... 61 61 62 63 63 63 63 64 64 64 62................................. ..... ..... 62 62 63 63 63 64 64 64 64 63................................. ..... ..... ..... 63 63 64 64 65 65 65 65 64................................. ..... ..... ..... ..... 64 64 65 65 65 65 65 65................................. ..... ..... ..... ..... ..... 65 65 65 65 65 65 66................................. ..... ..... ..... ..... ..... ..... 66 66 66 66 66 67................................. ..... ..... ..... ..... ..... ..... ..... 67 67 67 67 68................................. ..... ..... ..... ..... ..... ..... ..... ..... 68 68 68 69................................. ..... ..... ..... ..... ..... ..... ..... ..... ..... 69 69 70................................. ..... ..... ..... ..... ..... ..... ..... ..... ..... ..... 70 ---------------------------------------------------------------------------------------------------------------- Table II-B.--Expected Retirement Ages for Individuals in the Medium Category ---------------------------------------------------------------------------------------------------------------- Unreduced retirement age Participant's earliest retirement ---------------------------------------------------------------------------- age at valuation date 60 61 62 63 64 65 66 67 68 69 70 ---------------------------------------------------------------------------------------------------------------- 42................................. 49 49 49 49 49 49 49 49 49 49 49 43................................. 50 50 50 50 50 50 50 50 50 50 50 44................................. 50 51 51 51 51 51 51 51 51 51 51 45................................. 51 51 52 52 52 52 52 52 52 52 52 46................................. 52 52 52 53 53 53 53 53 53 53 53 47................................. 53 53 53 53 53 54 54 54 54 54 54 48................................. 54 54 54 54 54 54 54 54 54 54 54 49................................. 54 55 55 55 55 55 55 55 55 55 55 50................................. 55 55 56 56 56 56 56 56 56 56 56 51................................. 56 56 56 57 57 57 57 57 57 57 57 52................................. 56 57 57 57 57 58 58 58 58 58 58 53................................. 57 57 58 58 58 58 58 58 58 58 58 54................................. 57 58 58 59 59 59 59 59 59 59 59 55................................. 58 58 59 59 59 60 60 60 60 60 60 56................................. 58 59 59 60 60 60 60 60 60 60 60 57................................. 59 59 60 60 61 61 61 61 61 61 61 58................................. 59 60 60 61 61 61 61 61 61 61 61 59................................. 59 60 61 61 62 62 62 62 62 62 62 60................................. 60 60 61 62 62 62 62 62 62 62 62 61................................. ..... 61 61 62 62 63 63 63 63 63 63 62................................. ..... ..... 62 62 62 63 63 63 63 63 63 63................................. ..... ..... ..... 63 63 64 64 64 64 64 64 64................................. ..... ..... ..... ..... 64 64 64 64 64 64 64 65................................. ..... ..... ..... ..... ..... 65 65 65 65 65 65 66................................. ..... ..... ..... ..... ..... ..... 66 66 66 66 66 67................................. ..... ..... ..... ..... ..... ..... ..... 67 67 67 67 68................................. ..... ..... ..... ..... ..... ..... ..... ..... 68 68 68 69................................. ..... ..... ..... ..... ..... ..... ..... ..... ..... 69 69 70................................. ..... ..... ..... ..... ..... ..... ..... ..... ..... ..... 70 ---------------------------------------------------------------------------------------------------------------- Table II-C.--Expected Retirement Ages for Individuals in the High Category ---------------------------------------------------------------------------------------------------------------- Unreduced retirement age Participant's earliest retirement ---------------------------------------------------------------------------- age at valuation date. 60 61 62 63 64 65 66 67 68 69 70 ---------------------------------------------------------------------------------------------------------------- 42................................. 46 46 46 46 46 47 47 47 47 47 47 43................................. 47 47 47 47 47 47 47 47 47 47 47 44................................. 48 48 48 48 48 48 48 48 48 48 48 45................................. 49 49 49 49 49 49 49 49 49 49 49 46................................. 50 50 50 50 50 50 50 50 50 50 50 47................................. 51 51 51 51 51 51 51 51 51 51 51 48................................. 52 52 52 52 52 52 52 52 52 52 52 49................................. 53 53 53 53 53 53 53 53 53 53 53 50................................. 54 54 54 54 54 54 54 54 54 54 54 51................................. 54 55 55 55 55 55 55 55 55 55 55 52................................. 55 55 56 56 56 56 56 56 56 56 56 53................................. 56 56 56 57 57 57 57 57 57 57 57 54................................. 57 57 57 57 57 58 58 58 58 58 58 55................................. 57 58 58 58 58 58 58 58 58 58 58 56................................. 58 58 59 59 59 59 59 59 59 59 59 57................................. 58 59 59 60 60 60 60 60 60 60 60 58................................. 59 59 60 60 60 60 61 61 61 61 61 59................................. 59 60 60 61 61 61 61 61 61 61 61 60................................. 60 60 61 61 61 62 62 62 62 62 62 61................................. ..... 61 61 62 62 62 62 62 62 62 62 62................................. ..... ..... 62 62 62 62 62 62 62 62 62 63................................. ..... ..... ..... 63 63 63 64 64 64 64 64 64................................. ..... ..... ..... ..... 64 64 64 64 64 64 64 65................................. ..... ..... ..... ..... ..... 65 65 65 65 65 65 66................................. ..... ..... ..... ..... ..... ..... 66 66 66 66 66 67................................. ..... ..... ..... ..... ..... ..... ..... 67 67 67 67 68................................. ..... ..... ..... ..... ..... ..... ..... ..... 68 68 68 69................................. ..... ..... ..... ..... ..... ..... ..... ..... ..... 69 69 70................................. ..... ..... ..... ..... ..... ..... ..... ..... ..... ..... 70 ----------------------------------------------------------------------------------------------------------------