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ADM Retirement Plan

Salaried Summary Plan DescriptionADM Retirement PlanTRADITIONAL PLAN PARTIcIPANTs Table of Contents Introduction .. 1 About This Booklet .. 2 Plan Highlights Traditional Formula .. 4 Eligibility .. 6 Your Service .. 8 Your Pay Under the Plan .. 10 Your pension Benefits .. 12 Normal Retirement .. 14 Early Retirement .. 17 Vested pension .. 19 How Traditional Formula Benefits Are Paid .. 20 Survivor Benefits Traditional Formula .. 24 Taxation of Distributions .. 26 Special Rules for Transfers and Rehires .. 28 Claims .. 30 General Information .. 34 Statement of Rights of Plan Participants.

the traditional pension formula effective December 31, 2021 and the transition to the cash balance benefit formula, effective January 1, 2022. Not an Employment Contract

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