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SUMMARY PLAN
DESCRIPTION
Important
   Information
Your ERISA Rights
Benefit Plans
   Plan 9A
   Plan 9B
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Summary Plan Description

Your ERISA Rights

As a participant in the Plan, you are entitled to certain rights and protections under the Employee Retirement Income Security Act of 1974. ERISA provides that all Plan participants shall be entitled to:

1. Examine, without charge, at the Administrative Office upon request, and at other locations (certain worksites and Union halls) within three (3) days of such a request, all Plan documents, including insurance contracts, collective bargaining agreements and copies of all documents filed by the Plan with the United States Department of Labor, such as annual reports and Plan descriptions.
   
   
2. Obtain copies of all Plan documents and other Plan information upon written request to the Administrator. The Administrator may make a reasonable charge for the copies.
   
   
3. Receive a summary of the Plan's annual financial report. The Administrator is required by law to furnish each participant with a copy of this summary financial report.
   
   
4. File suit in a federal court, if any materials requested are not received within thirty (30) days of the participant's request, unless the materials were not sent because of matters beyond the control of the Administrator. The court may require the Administrator to pay up to $110 for each day's delay until the materials are received.

In addition to creating rights for Plan participants, ERISA imposes obligations upon the persons who are responsible for the operation of the Employee Benefit Plan.

These persons are referred to as "fiduciaries" in the law. Fiduciaries must act solely in the interest of the Plan participants and they must exercise prudence in the performance of their Plan duties. Fiduciaries who violate ERISA may be removed and required to make good any losses they have caused the Plan.

Your Employer may not fire you or discriminate against you to prevent you from obtaining a benefit or exercising your rights under ERISA.

If you are improperly denied a benefit in full or in part, you have a right to file suit in a federal or a state court. If Plan fiduciaries are misusing the Plan's money, you have a right to file suit in a federal court or request assistance from the United States Department of Labor. If you are successful in your lawsuit, the court may, if it so decides, require the other party to pay your legal costs, including attorney's fees.

If you have any questions about this statement or your rights under ERISA, you should contact the Plan Administrator or the Philadelphia Regional Office of the United States Labor-Management Services Administration, Department of Labor at Gateway Building, 3535 Market Street, Room M300, Philadelphia, PA 19104, Telephone: 215-596-1134.

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