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GENERAL INFORMATION
SELLING, ASSIGNING OR PLEDGING BENEFITS (SECTION 7.13)

Benefits may not be sold, assigned or pledged as security for a loan. Furthermore, benefits are not subject to attachment or execution for the payment of a debt under any judgment or decree of a court or otherwise, except as provided in the Internal Revenue Code and applicable regulations. However, any benefits payable to a former spouse or other alternate payee, under a legally binding Qualified Domestic Relations Order, will be honored by the Fund.

RIGHTS OF A FORMER SPOUSE

If you become separated or divorced, your spouse, former spouse, child or other dependent (known as an Alternate Payee) may be entitled to some or all of your pension if a Qualified Domestic Relations Order ("QDRO") has been issued by a court. A QDRO is a court order (which the Plan has determined satisfies the requirements of the Plan and of federal law) giving an Alternate Payee a right to a pension. Upon request, the Plan will provide materials and information concerning its procedures and requirements for a QDRO. These materials will be provided without charge.

BENEFITS INCREASE FOR RETIREES (SECTION 7.16)

There is no guarantee that pensions will be increased after retirement, even if the benefit rate is increased for active Employees. The Trustees may provide benefit increases to retirees, if the financial experience and current income to the Plan permit such action.

MAXIMUM BENEFITS (SECTION 7.18)

The Internal Revenue Code imposes certain maximums on the pension amount you can receive from the Plan during any year. The Fund Office will let you know if these limits apply to you.