May I Postpone My Retirement Under This Plan and Commence Retirement Under the Defined Benefit Pension Plan?

Nothing prevents you from commencing your retirement under the Defined Benefit Pension Plan and postponing your retirement under this Plan. By postponing your retirement under this Plan investment gains, if any, will continue to accrue to your Individual Account until such time as you commence distribution of your Individual Account under this Plan. However, distribution of your Individual Account must be made or begin no later than April 1 following the calendar year in which you reach age 70 ½ unless you elect under the provisions of the Plan to defer receipt of benefits until you are no longer working in employment covered by the Plan.