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PARTICIPATION AND CONTRIBUTIONS
REQUIREMENTS FOR PARTICIPATION (SECTION 2.01)

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 which 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 in Covered Employment.

CREDIT FOR WORK AS AN APPRENTICE (SECTION 4.02(b))

Hours that you work as an apprentice before contributions are required to be made on your behalf will count toward vesting in the Pension Plan as long as the collective bargaining agreement under which you work provides for contributions on your behalf at some later date. Vesting Service under this provision is limited to two (2) years unless the collective bargaining agreement provides that an apprentice may be employed for more than two (2) years in a non-covered category and the parties to the agreement obtain Trustee approval.

PARTICIPATION OF OWNER-EMPLOYEES (SECTION 8.02)

All contractors who are participating in this Plan should have received or should request a current copy of "Guidelines for Participation of Contributing Employers in the Sprinkler Industry Trust Funds." The Guidelines describe the terms and conditions under which Owner-Employees, Officer-Employees and their relatives may participate in this Plan. They also explain the requirements for making payments.

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 ___.