Retirement Savings Plan Summary Plan Description

3.1 Eligibility and Commencement of Participation

If you are an Employee, you commence participation, and thus become a "Participant," when you work your first hour of service for which the Collective Bargaining Agreement or a Subscription Agreement requires a contribution to the Plan. In general, employer contributions commence under the Collective Bargaining Agreement after an Employee completes one year as an apprentice. An "Employee" is an employee of an Employer who is performing work under a collective bargaining agreement with IBEW Local 6 ("Collective Bargaining Agreement"), or an Alumni Employee. An "Employer" is an employer required by a Collective Bargaining Agreement, or a Subscription Agreement, to make contributions to the Plan. "Subscription Agreements" are separate written agreements allowing Employers to fund the Plan for certain employees of Local 6, and Alumni Employees. "Alumni Employees" are former bargaining unit employees performing services for Local 6, the Joint Apprenticeship Training Committeefor Local 6, or an Employer, under a Subscription Agreement, that meet certain requirements under IRS regulations, provided they are not a professional or sole proprietor, or a partner of an unincorporated Employer.

Upon commencing participation, you will be asked to complete a form (available at the Local 6 office or the Plan Office) stating your address, social security number, beneficiary designation, birth date and other information necessary for administration of the Plan. Keep the Plan Office informed if you change your address so the Plan may communicate with you concerning Plan changes and required notices.