Pension 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 booklet. You will be notified if material amendments to the Plan are made. Before retiring and applying for your pension, contact the Plan Office to determine if there have been Plan amendments since this booklet was published that may affect your retirement plans.