The assets of the Annuity Fund and benefits under the Plan are not subject to transfer, assignment, garnishment, attachment, or judicial process to satisfy the claims of creditors, except to the extent of a qualified domestic relations order.

The Plan will recognize a domestic relations order which creates or recognizes the existence of an alternate payee's right to, or assigns to an alternate payee the right to, receive all or a portion of the benefits payable under the Plan with respect to a Participant. A domestic relations order is a judgment, decree or order which relates to a spouse, former spouse, child, or other dependent of a Participant, and which is made pursuant to a State domestic relations law. The Annuity Fund will provide rules for determining what orders will constitute qualified domestic relations orders.