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the first individual to whom the carrier has undertaken to make payments described in the definition retirement income fund out of or under the fund, where the first individual is alive at that time,
the first individual to whom the carrier has undertaken to make payments described in the definition retirement income fund out of or under the fund, where the first individual is alive at that time,
the first individual to whom the carrier has undertaken to make payments described in the definition retirement income fund out of or under the fund, where the first individual is alive at that time,