Before we get down to the specifics of the Plan, we would advise you to read the definitions contained in Part III and refer to them as you are reading this booklet. The Plan is easy to understand, if you follow these definitions.

We have written this Summary Plan Description in language that is simple. Yet, any employee benefit plan, by its very nature, has unique terms. Please look carefully at the definitions which are contained in Part III of this booklet. This will enable you to become more familiar with the Plan.

If you have any questions, do not hesitate to contact the Contract Administrator.

Always bear in mind that the written terms of the entire Plan, which are reproduced at Part III of the booklet govern, no matter what anyone else tells you. The Plan may be amended from time to time by the Trustees. Such amendments will be posted to the Plan's web site (WWW.ITPEUBENEFITS.ORG) and will be distributed to each participant as a supplement to this booklet.