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Pension Plan Highlights – Moore Wallace Detailed Table of Contents
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Table of Contents
Detailed Table of Contents
Index

Introduction

Who Is Eligible

General Information

Naming a Beneficiary

Pre-2001 Frozen Accrued Benefit

If You Terminate Employment or Become Ineligible

If You Are Rehired or Again Become Eligible

For Employees of New Participating Subsidiaries and Other New Participating Employers

What “Service” Means

Service Hours

Vesting Service

Benefit Service

Breaks in Service

If You Are Not Vested Before a Break in Service

If You Are Vested Before a Break in Service

A Break in Service Example

Special Provisions to Avoid a Break in Service

Unpaid Approved Leaves and Leaves Covered by the Family and Medical Leave Act (FMLA)

Military Service

Your Pension Plan Benefit

How Your Pension Plan Benefit Is Calculated

Pensionable Earnings

Benefit Formula

Calculating Your Pension Plan Benefit

General Information

The Plan’s Benefit Formula

An Example

Enhanced Benefit Formula for Donnelley Transferees

Maximum Benefit Amount

When You Receive Benefits

Pre-2001 Frozen Accrued Benefit

Normal Retirement

Early Retirement

Late Retirement

If You Return to Work

Pre-2001 Frozen Accrued Benefit

Special Instances That May Impact Your Pension Plan Benefit

If You Terminate Employment Before Retirement

If You Die

Pre-2001 Frozen Accrued Benefit

If Your Marital Status Changes

Forms of Payment

Normal Forms of Payment

Alternative Forms of Payment

Electing an Alternative Form of Payment

No Election

Revoking an Election

Pre-2001 Frozen Accrued Benefit Forms of Payment

A Word About the Plan and Prior Plan Formulas

General Information

Pre-1972 Contributions

Withdrawing Your Contributions

If You Leave Your Contributions in the Plan

If You Die

About Taxes

Tax Withholding

10% Additional Tax

Getting Advice

Applying for Benefits

General Information

Situations Affecting Your Benefits

General Information

Assignment of Benefits

If the Plan Becomes “Top-Heavy”

If the Plan Changes or Ends

Actuarial Assumptions

Benefits Information, Distributions, and Administrative Reviews

General Information

Requesting an Administrative Review

The Administrative Review Process

Claims and Appeals Procedures

General Information

Procedure for Filing a Claim

Initial Claim Review

Initial Benefit Determination

Appeal or Review of Initial Benefit Determination

Legal Action

Mailing or Delivery of Claim or Appeal

Administrative and Contact Information

General Information

Type of Plan

Plan Sponsor

Employer Identification Number of Plan Sponsor

Plan Name and Number

Plan Year End

Agent for Service of Legal Process

Benefits Committee and Plan Administrator

Benefits Center

Allocation and Delegation of Fiduciary Responsibilities by the Benefits Committee

Trustee

Source of Contributions

Funding Medium

Your ERISA Rights

General Information

Receive Information About Your Plan and Benefits

Prudent Actions by Plan Fiduciaries

Enforce Your Rights

Assistance With Your Questions

Pension Plan – Moore Wallace

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Introduction

The Retirement Income Plan of Moore Wallace North America, Inc. (“Pension Plan” or “Plan”) is designed to provide a source of income when you retire. The Plan is non-contributory, which means you do not contribute to receive a benefit. The Company pays the full cost. The Plan is also designed to work with your 401(k) savings, your Social Security benefits, and your personal savings to help you build a solid financial base for retirement.

This Summary Plan Description (SPD) contains information about the Plan’s career average pay formula as of January 1, 2005. There is a separate SPD that contains information about the Plan provisions prior to 2005. That SPD includes information about the pension equity and retirement income formulas prior to 2005 (all of which were frozen for new benefit accruals before 2001), and how benefits accrued prior to 2001 under those formulas are paid.

This document explains how the Plan operates, when you can start receiving your benefit, and how your benefit is calculated. It includes instructions for what to do in certain instances, and details whom to contact for assistance. If you are married, please share this information with your spouse.

You accrue a benefit under this Plan while you are a member of a participating employer or subsidiary. If you are an employee of an employer or subsidiary that does not participate in this Plan, you are not accruing a benefit described in this SPD. To find out if you are eligible for a pension benefit from this Plan, contact the RR Donnelley Benefits Center (“Benefits Center” – also referred to as the eligibility administrator) at 1-877-RRD-4BEN (1-877-773-4236).

This SPD is based on the official Plan document. It is written to be understandable and attempts to be as complete, accurate, and up-to-date a description as possible of your Plan benefit. However, it does not include every detail of the official Plan document. In the event that there is any discrepancy between this SPD versus the Plan document, the actual Plan document always governs.

In addition, nothing in this SPD should be interpreted as an employment contract, nor does this SPD create an entitlement to any benefit from the Company. This summary merely describes certain pension benefits offered to eligible employees as of January 1, 2006. RR Donnelley reserves the right to change or terminate the Plan at any time.

Note: Some participants in the Plan may have benefits under the prior pension equity or retirement income formulas with relation to service, compensation, and contributions prior to 2005. Nothing in the career average pay formula effective January 1, 2005 affects those benefits. See the “A Word About the Plan and Prior Plan Formulas” section for further information. Contact the Benefits Center if you have questions or need information about the benefit formulas prior to 2005, or how benefits accrued prior to 2001 under those formulas are paid.

Any U.S. federal tax advice contained in this SPD is not intended or written to be used, and cannot be used, by any person for the purpose of avoiding any U.S. federal tax penalties that may be imposed on that person.

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