CALIFORNIA WINERY WORKERS
PENSION PLAN

(As Revised July 1, 2009)

• QUICK SUMMARY OF THE PLAN

• SUMMARY PLAN DESCRIPTION

• 1. HOW YOU ACCRUE BENEFITS

• 2. WHEN YOUR BENEFITS BECOME NON-FORFEITABLE

• 3. WHEN RETIREMENT BENEFIT PAYMENTS WILL BEGIN

• 4. HOW YOUR BENEFITS ARE PAID

• 5. WHAT YOUR MONTHLY BENEFITS WILL BE

• 6. PRE-RETIREMENT DEATH BENEFITS

• 7. SUSPENSION OF PENSION BENEFITS

• 8. COURT ORDERS IN MARRIAGE DISSOLUTION CASES

• 9. APPLICATION FOR BENEFITS

• 10. APPEALS PROCEDURE

• APPENDIX A - JOINT AND SURVIVOR OPTION FACTORS

• APPENDIX B - ACTUARIAL EQUIVALENT FACTORS FOR EARLY RETIREMENT

• GENERAL INFORMATION ABOUT THE PLAN

• YOUR RIGHTS UNDER ERISA

• BENEFIT GUARANTY