The Greater St. Louis Service Employees Pension Plan was initially established by the Board of Trustees on September 1, 1975. The Pension Plan was last restated May 1, 2014.

The Following events occurred which have a major impact on the Pension Plan.

On August 31, 2002, future benefit accruals ceased under the Pension Plan based on upon a recommendation of the Plan actuary that this step was necessary to protect the Plan's funding of benefits that were already earned by Participants.

On May 31, 2006, substantially all Employers participating in the Pension Plan withdrew from the Pension Plan and were no longer paying contributions to the Pension Plan pursuant to the terms of Collective Bargaining Agreements with Local Unions of the Service Employees International Union. The last Employers withdrew from the Pension Plan on July 31, 2006. Employers remain obligated and are continuing to make withdrawal liability payments to the Pension Plan. The May 31, 2006 withdrawal of substantially all Employers from the Pension Plan constituted a Pension Plan termination and mass withdrawal.

As a result of the Pension Plan termination, most participants ceased earning Vesting Service in the Pension Plan after May 31, 2006. The last group of Participants ceased earning Vesting Service after July 31, 2006, when the last Employer withdrew from the Pension Plan.

As a terminated multi-employer pension plan, the Pension Plan will be administered in accordance with the terms of the Plan and the Plan's assets will be used to pay benefits and administrative expenses. The Plan's actuary has projected that by 2021 the Pension Plan's assets will be insufficient to pay for all promised benefits and that it will be necessary to draw upon the Multi-employer Insurance Program of the Pension Benefit Guaranty Corporation (PBGC). Be advised that PBGC, in its Fiscal Year 2017 Projections Report, indicated that its Multi-employer Insurance Program is likely to become insolvent by the end of 2025, absent changes in law, rising to a near certainty by 2026. For more information on the PBGC guarantee and the PBGC's Multi-employer Insurance Program, see Section 13.3 on page 21 of your Summary Plan Description Booklet, and visit the PBGC website at https://www.pbgc.gov/prac/multiemployer.gov.

You must have been covered by a Collective Bargaining Agreement or Participation Agreement requiring contributions to the Pension Plan to be eligible to participate in the Pension Plan or made Voluntary Contributions under the terms of the Plan. There are no longer any active participants in this Plan. See Section 1.1 on page 1 and Section 2.1 on page 2 of the Summary Plan Description Booklet.

Pension Plan Benefits are based on your years of Credited Service. See Section 3.1 on page 3 for the Summary Plan Description Booklet.

Full vesting or 100% vested  Plan benefits occurred after you had five (5) years of Vesting Service, or ten  (10) years of Vesting Service if you didn't have an hour of service after December 31, 1998, or if you are not covered by a Collective Bargaining Agreement upon completing five (5) years of Vesting Service (including three (3) years of Vesting Service after your Employer's Contribution Date). See Section 3.2 on page 3 of the Summary Plan Description Booklet.

Normal Retirement Benefits are payable on your Normal Retirement Date, which is the later of: (1) age 65; or (2) the earlier of five (5) years after you first became a Participant or the date you satisfied the requirements for Vesting. See Section 4.1 on page 6 of the Summary Plan Description Booklet.

You may retire and apply for Early Retirement Benefits as early as age 60 with a reduced benefit provided you satisfied the requirements for Early Retirement. See Section 5.1 on page 8 of the Summary Plan Description Booklet.

If you were 100% Vested in this Plan prior to separation you may be eligible for a Vested Terminated Benefit. See Section 6 on page 9 of the Summary Plan Description Booklet.

If you are Vested and you delay applying for retirement benefits after Normal Retirement Date, you may be entitled to a Late Retirement Benefit. You must file a pension application so that you will start to receive benefits by April 1 of the year after the later of the year you retire or the year you attain age 70 and 1/2 (Required Beginning Date). See Section 7.1 on page 9 and Section 7.3 on page 10, and Section 11.2 on page 12 of the Summary Plan Description Booklet.

If you die after completing the requirements for vesting and prior to retirement, your surviving spouse and/or Dependent Children may be entitled to a Pre-Retirement Death Benefit. See Section 9.1 and 9.2 on page 10 of the Summary Plan Description Booklet.

No benefits will be payable under this Pension Plan until a written application has been filed with the Trustees. See Section 11.1 on page 12 of the Summary Plan Description Booklet.

You will need to contact the Fund Office to request Federal W-4 P forms and applicable State Forms necessary for tax adjustments.

The Normal Form of payment for unmarried Participants is the Life-No Death Benefit. The Normal Form of payment for Married Participants is a Modified Three Years Certain and Life/Joint and Survivor Option. See Section 11.4 starting on page 13 and ending on page 15 of the Summary Plan Description Booklet for all optional forms of payments.

You will need to contact the Fund Office to request a Direct Deposit Agreement Form.

You need to contact the Fund Office to report your check loss, however please allow for up to 10 business days from the first of the month or check mailing date for your check to arrive. A Re-issue check cannot be made prior to the Fund Office verifying the Check wasn't cashed, and that it's payment has been stopped.

You will need to contact the Fund Office and request an Address verification form, or You may notify the Fund Office in writing with a dated signature of address changes.

You should contact the Fund Office to to request any records that you may need for the divorce proceedings. You should provide a Certified Copy of the Divorce Decree as soon as possible, and request the forms necessary to update contact information, and/or beneficiary information.

If you get a divorce (whether before or after retirement), your spouse may be entitled to receive a portion of your pension benefit in accordance with the terms of a Qualified Domestic Relations Order (QDRO). A QDRO may affect the amount of pension benefit you will receive or are receiving. A copy of QDRO procedures will be provided to you, free of charge, at your request by contacting the Fund Office.

"No, Pension payments, annuities, and the interest or dividends from your savings and investments are not earnings for Social Security purposes.

Only earned income, your wages, or net income from self-employment, is covered by Social Security.

You may have to pay income tax on pensions, annuities, interest, or dividends, but you do not pay Social Security Taxes. Those types of income are not on your Social Security record."

"No benefit or interest available here under will be subject to assignment or alienation, either voluntarily or involuntarily. The preceding sentence shall also apply to the creation, assignment, or recognition of a right to any benefit payable with respect to a Participant pursuant to a domestic relation order (divorce, alimony payments, or child support), unless such order is determined to be a Qualified Domestic Relations Order (QDRO), as defined in Section 414(p) of the Code, or any domestic relation order entered before January 1, 1985.

Federal tax liens are an exception to ERISA's anti-alienation rules, they can attach to ERISA pension plans."