Dear Participant of ITPEU:

We are pleased to provide you with this booklet which describes the ITPEU Health and Welfare Fund and the benefits provided by the ITPEU Health and Welfare Plan. This booklet contains a complete guide to such benefits. Please keep it in a safe place for future reference.

The first section explains the Plan in simplified form. It describes the Plan's different benefits, how to apply for them, the requirements for eligibility, how much is paid, and how you may appeal if you believe you are unjustly denied benefits. In describing your Health and Welfare Plan in brief form, however, it is not possible to explain each and every detail. A complete statement of your rights under the Plan is given only in the official text of the Plan which is found in the second section of this booklet.

The benefits provided by the Plan include death benefits and accidental death and dismemberment benefits, survivor income benefits, disability income benefits, medical benefits, prescription drug benefits, dental benefits, vision care and a scholarship program.

You cannot become eligible for benefits from the Plan until you complete the enrollment card and send it to the Plan Office through your Shop Steward, Union Representative or Employer. If you have not already filled out an employment card and a beneficiary form indicating to whom benefits should be paid, you should do so as soon as possible.

Sincerely,

THE TRUSTEES
HAROLD E. GELBER, Co-Chairman
DENNIS ARRINGTON, Co-Chairman