Page 40 - AAACU Health & Welfare SPD rev 09012013
P. 40




Adoption of the Plan




The Alpena Alcona Area Credit Union Health and Welfare Benefit Plan, effective 07/01/1996, as
amended and restated herein, is hereby adopted as of 09/01/2013. This document constitutes
the basis for administration of the Plan.

IN WITNESS WHEREOF, the parties have caused this document to be executed on this
___________ day of _________________________________, 2013.





BY: _______________________________________


TITLE: _______________________________________



















































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