Retirement Savings Plan Summary Plan Description

1.2 Governing Law and Service of Legal Process

The Plan is governed by a federal law known as the Employee Retirement Income Security Act of 1974, as amended (ERISA). Unlike benefits under the NCEW Pension Plan, this Plan's benefits are not insured by the Pension Benefit Guaranty Corporation (PBGC), which was established under ERISA. Service of legal process may be made on:

EISB
c/o Nancy Finegan, Plan Manager
720 Market Street, Suite 700
San Francisco, CA 94102

Service of legal process may also be made upon the Plan's legal counsel or the Chair or Co-Chair of the Board of Trustees, the addresses for which are listed in the preface to this Summary.