|Once you have canceled Variable participation and your Variable funds have been
transferred to the Core Fund, you will continue to have a "residual" excess or
deficiency balance based on your past Variable participation. Annual interest
is credited to this residual excess or deficiency balance at each year's Core
effective rate until you retire. As a result, your Variable excess/deficiency
amount will change each year until you begin a retirement benefit, at which time it
will be used to increase or decrease your monthly formula benefit.