Health and Welfare Summary Plan Description

3.2 Hours Required for Initial Coverage.

To qualify for initial coverage under the Plan, or to re-establish coverage following cancelation of your Hour Bank, you must have accumulated (or re-accumulated) an Hour Bank credit balance under Section 3.1 of at least 300 hours prior to a cancelation of your Hour Bank account balance in Section 3.1(c)(1). Coverage will be effective on the first day of the second month following the month in which you satisfy the 300 hour requirement. For example, if you begin working (or return to work) in January 2013 and accumulate 300 hours by the end of March 2013, your coverage will become effective May 1, 2013.