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The Summary Plan Description which follows is a summary of the principal Plan provisions as of the date of this booklet. This summary is in non-technical language, designed to help you understand your rights. If there is any apparent inconsistency or conflict between this summary and the formal text of the Plan, the formal text is controlling.

All requests for additional information, and all correspondence about coverage, benefits and interpretation of the Plan, should be addressed to Benefit Administration Corporation at the address listed under General Information. Any other opinions or interpretations of the Plan and statements with regard to rights under it are not binding upon the Board of Trustees, unless confirmed by Benefit Administration Corporation in writing.


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