ELIGIBILITY FOR PARTICIPATION IN THE PLAN

You become a Participant in the Plan as of the first date an employer becomes obligated to make a contribution to the Annuity Fund on your behalf. The Plan is maintained pursuant to one or more collective bargaining agreements that describe certain obligations a contributing employer may have to the Plan. Copies of any such agreement may be obtained by you or your beneficiary upon written request to the Fund Manager, and is available for examination at the Fund Office.