LIMITATION UPON RELIANCE ON BOOKLET AND STATEMENTS

This booklet provides a brief, general summary of the Plan rules. It is not intended to cover all of the Plan's details. Nothing in this Summary Plan Description is meant to interpret or change the Plan provisions. You should review the Plan to fully determine your rights. The Plan is available for your review at the Plan Office upon written request.

You are not entitled to rely upon statements of representatives of the Plan Office, a trustee, an Employer, a Union officer, or any other person or entity. As a courtesy to you, the Plan Office may respond orally to questions; however, oral information and answers are not binding upon the Plan or the Trustees and cannot be relied upon in any dispute concerning your benefits.

If you would like an interpretation of a Plan provision, you should address your request in writing to the Board of Trustees at the Plan Office. To make their decision, the Trustees must be furnished with full and accurate information concerning your situation.

You should further understand that, from time to time, there may be a mistake in a statement or letter that you receive which may have to be corrected upon an audit or review. The Board of Trustees reserves the right to make corrections at any time.

The Plan does not provide tax advice or indicate how you should receive your benefits. You should discuss with a tax advisor the tax consequences of any withdrawal of funds or selection of a benefit option.