YOUR ERISA RIGHTS

This Plan is administered under the provisions of ERISA. ERISA provides that all Plan Participants are entitled to:

• Examine, free of charge, at the Administrative Office and other specified locations, any and all official documents related to the Plans such as contracts, collective bargaining agreements, annual report (Form 5500 series) and the Summary Plan description. These documents are available at the Fund Office. Obtain, upon written request to the Administrative Office copies of documents governing the Plan, including collective bargaining agreements and copies of the latest annual report (Form 5500 series) and an updated Summary Plan Description. The Plan Administrator may make a reasonable charge for the copies.
• Receive a Summary Annual Report (SAR). The Plan Administrator is required by law to furnish each Participant with a copy of the Plan's annual financial reports.
• Receive a Summary of Material Modifications (SMM) to the Plan within 210 days after the end of the Plan year in which the changes are made.

Prudent Actions by Plan Fiduciaries

In addition to creating rights for Plan Participants, ERISA imposes duties upon the people who are responsible for the operation of the employee benefit Plan. The people who operate your Plan, called "fiduciaries" of the Plan, have a duty to do so prudently and in the interest of you and other Plan Participants and Beneficiaries. No one, including your Employer, your Union or any other person, may fire you or otherwise discriminate against you in any way to prevent you from obtaining a benefit or exercising your rights under ERISA.

Enforce Your Rights

If your claim for benefits is denied or ignored, in whole or in part, you have a right to know why this was done, to obtain copies of documents relating to the decision without charge, and to appeal any denial, all within certain time schedules.

Under ERISA, there are steps you can take to enforce the above rights. For instance, if you request a copy of Plan documents or the latest annual report from the Plan and do not receive them within 30 days, you may file suit in a federal court. In such a case, the court may require the Plan Administrator to provide the materials and pay you up to $110 a day until you receive the materials, unless the materials were not sent because of reasons beyond the control of the Administrator.

If you have a claim for benefits that is denied or ignored in whole or in part, and you have exhausted the claim review and appeal procedures available to you under the Plan, you may file suit in a state or federal court. If it should happen that Plan fiduciaries misuse the Plan's money, or if you are discriminated against for asserting your rights, you may seek assistance from the U.S. Department of Labor, or you may file suit in a federal court. The court will decide who should pay court costs and legal fees. If you are successful, the court may order the person you have sued to pay these costs and fees. If you lose, the court may order you to pay these costs and fees, for example, if it finds you claim is frivolous.

Assistance with Your Questions

If you have any questions about this Plan, you should contact the Plan Administrator. If you have questions about this statement or about your rights under ERISA or if you need assistance in obtaining documents from the Plan Administrator, you should contact the nearest office of the Pension and Welfare Benefits Administration, U.S. Department of Labor, listed in your telephone directory. The nearest office of the employee Benefits Security Administration, Los Angeles Regional Office is located at 1055 East Colorado Blvd., Suite 200, Pasadena, California 91106; telephone number (626) 229-1000. Or, contact the Division of Technical Assistance and Inquires, Pension and Welfare Benefits Administration, U.S. Department of Labor, 200 Constitution Avenue N.W., Washington, D.C. 20210.

You may also obtain certain publications about your rights and responsibilities under ERISA by contacting the EBSA as follows:

• By calling (866) 444-3272
• By sending electronic inquiries to www.askebsa.dol.gov or to the website of EBSA at www.dol.gov/EBSA.

Please contact the staff at the Fund Office if you have any questions.