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Hello. Today we are going to introduce and explain the changes to the Municipal Pension Plan for our general members. General members are members of the Municipal Pension Plan who are not police officers or firefighters. We will talk about the plan changes, and how they affect members in different stages of their careers. The plan partners agreed to the changes in late 2020. Those plan partners are the government of BC, the Union of BC Municipalities, and the Municipal Employees Pension Committee. Municipal Pension Plan Board of Trustees approved the plan rule amendments in March, and the changes take effect January 1st of 2022. Lets look at whats changing, including how your pension is calculated, your contributions and your choices at retirement. The value of your Municipal Pension Plan pension is based on a mathematical formula. Here is the formula before the changes. We will continue to use this formula for all service earned before January 1st, 2022.