Under the agreement, individuals who have at least one quarter of French coverage,
but less than the number required for a full benefit, may receive credit for their
U.S. coverage when the amount of their French retirement benefit is computed. In applying
this provision, France will compute a benefit amount based on combined U.S. and French
coverage and a benefit amount based only on French coverage and pay the greater amount.
NOTE: Because a benefit based on combined coverage is prorated, the benefit amount based
on French coverage alone is almost always greater.