§ 6. Return of contributions upon failure to exhaust.

If a Retired Participant does not elect an optional form of Retirement benefit payment, or if the Participant elects the Option C form of benefit payment, and if upon the death of the Participant the sum of all benefits paid to him does not equal or exceed the amount of the Participant's Employee Contributions plus interest posted thereon, then a lump sum payment in the amount of the difference shall be paid to the Retired Participant's estate. If a Retired Participant elects an optional form of retirement benefit payment other than Option C, and upon the death of the Retired Participant, or if later the death of his Post-Retirement Beneficiary, the sum of all benefits paid does not equal or exceed the amount of the Participant's Employee Contributions plus interest posted thereon, then a lump sum payment in the amount of the difference shall be paid to the Retired Participant's estate, unless the Post-Retirement Beneficiary dies after he has begun receiving survivor benefit payments, in which case said lump sum payment shall be paid to the Post-Retirement Beneficiary's estate. If a Participant dies in the Service of an Adopting Employer before he satisfies the eligibility requirements for an in-service death benefit, his Employee Contributions plus interest posted thereon shall be paid to the Participant's estate. In the event the sum of all pre-retirement benefits paid to a Pre-Retirement Beneficiary(ies) by virtue of the death of a Participant or Terminated Participant, as applicable, do not equal or exceed the amount of the Participant's or Terminated Participant's Employee Contributions plus interest posted thereon, a lump sum payment in the amount of the difference shall be paid to the estate of the Pre-Retirement Beneficiary (or last surviving Pre-Retirement Beneficiary as applicable). For purposes of this Section, the amount of "interest posted" shall be determined as of the date that the lump sum payment payable under this Section is distributed.