With respect to Article XI. A., the parties wish to confirm their understanding of criteria #6.  Criteria #6 reads as follows:

6. The Employee has designated as his or her primary beneficiary for at least one of the following:  
a. A life insurance contract the Employee holds; or 
b. A retirement contract (including IRA, 401 (k), 403(b), or pension plan) the Employee holds.

The term “primary beneficiary” means the individual or individuals who receive payment first under the life insurance or retirement contract.  A primary beneficiary is contrasted to a “contingent beneficiary,” an individual(s) who received payment only if all primary beneficiaries are deceased at the time payment is made under the contract.