Dear Participant:

We are pleased to provide this restated Plan booklet, known as a Summary Plan Description, of the Northern California Electrical Workers Pension Plan (Plan). The Plan covers members of IBEW Local Union 6 who work in Covered Employment under a collective bargaining agreement which requires employer contributions to the Plan. The Plan is designed to provide some measure of financial security for you and your family upon retirement.

This booklet provides a summary description of the Plan. The booklet is intended only to highlight the key features of the Plan. The formal text of the Plan controls eligibility, benefit payments, participation, administration and other aspects concerning your pension. In the event of any ambiguity or conflict between this booklet and the Plan, the Plan will govern.

The Plan was established as of June 1, 1961, and has been amended several times since that date, including having been restated effective as of January 1, 2002. This booklet encompasses all amendments through September 30, 2006..

A separate Trust Agreement has been entered into between IBEW Local 6 and the San Francisco Electrical Contractors Association, which sets forth the duties of the Trustees, among other provisions.

You should read this booklet carefully. If you are married, you may want to discuss this booklet’s contents with your Spouse. YOU SHOULD KEEP THIS BOOKLET FOR FUTURE REFERENCE.

If you have any questions about the Plan or desire additional information, please contact the Plan Office.

Sincerely,

Board of Trustees