This Summary Plan Description includes information concerning the circumstances which may result in disqualification, ineligibility, or denial, loss, forfeiture or suspension of benefits that a Participant or beneficiary might otherwise reasonably expect the Plan to provide. We refer you to the foregoing terms of this Plan Description booklet which detail the eligibility rules, qualification rules, benefits, limitations and exclusions.

It is anticipated that the Plan will remain in effect indefinitely. However, the right to amend or modify the Plan is reserved by the Board of Trustees, in accordance with the Declaration of Trust. In addition, the continuance of the Plan is subject to the maintenance of collective bargaining agreements which provide for employer contributions to the Trust Fund.

If it ever becomes necessary to terminate the Plan at some future date, the termination shall be made in accordance with the provisions in the Trust. In no event will any of the assets revert to any employer or to the union. In the event of termination of the Plan, the Trust Funds are to be used exclusively to continue the payment of benefits provided for in the Plan to eligible employees, their dependents, beneficiaries, or their estates, to defray reasonable administration and termination expenses or to otherwise effectuate the purpose of the Trust Fund.