Retirement Savings Plan Summary Plan Description

CAUTION - FUTURE PLAN AMENDMENTS

Future Plan amendments will be made from time to time to comply with new federal laws, rulings by federal agencies, and other changes adopted by the Trustees. These amendments may change or otherwise affect the contents of this Summary. If a significant amendment is made to the Plan, a notice and explanation of the amendment will be provided to you shortly after the adoption of the amendment. Before retiring and applying for your pension, contact the Plan Office to determine if there have been Plan amendments since this Summary was published that may affect your retirement plans.