B. PLAN MAY BE CHANGED

The Board of Trustees expressly reserves the right to amend, modify, revoke or terminate the Plan, in whole or in part, at any time. In addition, future amendments to the Plan may be made from time to time to comply with new laws passed by Congress, rulings by federal agencies or courts, and other changes deemed necessary or prudent by the Trustees.

For example, the Board of Trustees expressly reserves the right, in its sole discretion, to:

1. terminate or amend either the amount or condition with respect to any benefit even though such termination or amendment affects claims which have already accrued; and
   
2. alter or postpone the method of payment of any benefit; and
   
3. amend, terminate or rescind any provision of the Plan; and
   
4. merge the Plan with other plans, including the transfer of assets; and
   
5. terminate any HMO or insurance company.

The authority to make any such changes to the Plan rests solely with the Board of Trustees. Any such amendment, modification, revocation or termination of the Plan shall be made by a resolution adopted by the Board of Trustees. No individual Trustee, Union representative, or Employer representative is authorized to interpret this Plan on behalf of the Board of Trustees, or to act as an agent of the Board of Trustees.

You will be notified if there are important amendments to the Plan. Before you decide to retire, you may want to contact the Plan Office to determine if there have been Plan amendments or other developments that may affect your retirement plans.