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11 | SOUND RETIREMENT



                                          You have a 1-year break
                                          in service for each Plan
                          If you had a       Year your Covered       And have a permanent
                                                                      break in service if you
                            break...        Employment and/or               earned…
                                          continuous non-Covered
                                             Employment was…
                         Before 10/1/76    Less than 375 hours       2 consecutive 1-year
                                                                     breaks in service*


                         Between           Less than 435 hours       Â   2 consecutive 1-year
                         10/1/76 and                                     breaks in service, and
                         9/30/86
                                                                     Â   You had as many
                                                                         break in service years
                                                                         as credited service
                                                                         years

                         Between           Less than 435 hours       5 consecutive 1-year
                         10/1/86 and                                 breaks in service
                         9/30/2016

                         On or after       500 or fewer hours        5 consecutive 1-year
                         October 1, 2016                             breaks in service


                         * Certain grace periods apply before October 1, 1976. Contact the
                        Administrative Office at (206) 282-4500 or (800) 225-7620 for details.


                       Break in Service Grace Periods

                       If you have a leave of absence, you may be eligible for a break in
                       service grace period, depending on the type of leave you take.

                       Maternity/Paternity Leave
                       Effective October 1, 1986, if you are absent due to maternity or
                       paternity reasons, you will be credited with hours of service if
                       they are necessary to prevent a break in service for that year.
                       Otherwise, those hours will be credited the following year in order
                       to prevent a break in service.

                       Hours of service will be credited for maternity/paternity leave for

                       Â   Your pregnancy,

                       Â   The birth of your child,
                       Â   The placement of a child with you due to adoption, or
                       Â   Care of your child immediately after birth or adoption.

                       No more than 501 hours will be credited for any 1 absence, and
                       will be applied only to prevent a break in service. These hours will
                       not add to your credited service.
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