This guide is not intended to provide every detail about eligibility and plan benefits. Only the official plan documents for the various plans described in this publication contain the actual terms and conditions of the benefits. If there is a discrepancy between the plan documents and the information provided in this publication, the plan documents will govern. The company reserves the right to amend, modify or terminate any of the benefit plans at any time. If you are a member of a collective bargaining group, some of the benefits listed in this guide may not apply. Please refer to your collective bargaining agreement.