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PARTICIPATION AND CONTRIBUTIONS
REQUIREMENTS FOR PARTICIPATION (SECTION 2.03)

You are covered by the Pension Plan if you are an employee working in “Covered Employment”. Covered Employment is employment that is the subject of a collective bargaining agreement between an Employer and a participating Union that provides for contributions to the Pension Fund.

You become a Participant on the earliest January 1st or July 1st after a period of twelve consecutive months in which you perform at least 950 Hours of Service as defined by the Plan. Once you become a Participant, you will receive Vesting Service and Pension Credit retroactive to your date of hire.

PAYMENT OF CONTRIBUTIONS

All contributions to the Pension Plan are made by Employers who are required by a collective bargaining agreement to make these contributions on behalf of their employees. Employees are neither required nor permitted to make contributions to the Plan.

The Fund Office maintains a record of the hours you work and the Pension Credits you have earned. You may review you record either in person or by calling the Fund Office during regular business hours.

The hours recorded on your payroll stubs should be the same as the hours your Employer reports to the Fund Office. A copy of the hours reported to the Fund Office will be sent to you after the end of each year. Be sure to save all of your payroll stubs for the year and compare them to this report. If there is a difference in the hours reported on your payroll stubs and the hours listed on the annual report, please contact the Fund Office.

EFFECT OF CHANGING JOBS

You may switch back and forth between employers or work for several employers without losing credit, as long as all of your employers are required to contribute to the Pension Fund on your behalf. If you are no longer working for a contributing employer, you should carefully read the section entitled “Losing Pension Credits and Years of Vesting Service” on page ___.