| Q. |
| A. | You are considered eligible to participate in this Plan on the date an Employer is first required to make contributions for fringe benefits on your behalf under a collective bargaining agreement (CBA) or under the terms of employment by the Union. |
| Q. |
| A. | As an eligible Employee, you may authorize Employers to withhold an amount per hour from your wages. These elective deferrals are sometimes called "401(k) contributions." |
| Q. |
| A. | The Plan Year is June 1 through May 31. |
| Q. |
| A. | You are automatically
enrolled. Your employer DC contributions and your 401(k) deferrals will be transferred to your account monthly. If you have any questions,
please contact the Union Benefit Office at (888) 390-7473 ext. 3. |
| Q. |
| A. | All Participants are immediately fully vested in all benefits and your account with Empower - the Fund DC/401(k) Plan. |
| Q. |
| A. | At age 59 1/2 your account is payable to you. Hardship withdrawals are available for specific hardship reasons. For Hardship withdrawals, please contact the Union Benefit Office at (888) 390-7473 x 3. |
| Q. |
| A. | No, the Fund does not have a loan provision. |
| Q. |
| A. | Empower is the Plan recordkeeper. Your account is set up with Empower and you can see the investments available to you on the Empower website: www.Empower.com to register and login. |
| Q. |
| A. | The full value of your account is payable to your beneficiary as a lump sum. |
| Q. |
| A. | Please contact Fund Office for a Beneficiary form at (888) 390-7473 x 3. Beneficiary forms are also available on this website under 'Documents', 'DC/401(k)', 'Forms'. |
| Q. |
| A. | Please provide a copy of your Divorce Decree and any property settlement agreements. If a Qualified Domestic Relations Order (QDRO) is required, you may request a copy of the Plan's QDRO procedures. |
| Q. |
| A. | Contact the Fund Office at (888) 390-7473 x to apply for Benefits. |