Page 6 - Pay'n Save Retirement Truat fund

SOUND RETIREMENT | 4

KEY FEATURES OF YOUR PENSION PLAN

 Contributing employers make all contributions to the plan; you
are not required nor permitted to make contributions.

 You earn a right to your pension benefit after you complete 5
years of service. This is known as “vesting.”

 Several payment options are available. Generally, all options
pay monthly benefits for your lifetime.
 Your pension benefit is insured, up to certain limits, by the
Pension Benefit Guaranty Corporation, a U.S. Government
corporation.

LEGAL INFORMATION

The contents and delivery of this booklet are intended to
comply with the Employee Retirement Income Security Act of
1974, as amended (“ERISA”). If there is any conflict between the
information in this booklet and the official plan document, the
official plan document will govern.

The only party authorized by the Board of Trustees to answer
questions concerning the pension plan is the administrative
agent, Zenith American Solutions (“Zenith”). Zenith may be
contacted at:

Zenith American Solutions
201 Queen Anne Avenue North, Suite 100
Seattle, Washington 98109-4896
Telephone number: (206) 282-4500 or (800) 225-7620

The Board of Trustees has the sole power and discretion to
interpret, apply, construe, and amend the provisions of the Plan
and make factual determinations regarding its construction,
interpretation and application, and any decision made by the
Board of Trustees in good faith is binding upon employers,
employees, a union, participants, beneficiaries, and all other
persons who may be involved or affected by the Sound Plan.

No contributing employer, employer association, labor
organization, or any individual employed thereby, has any
authority to answer questions about the plan. The Trustees have
full discretionary and final authority to interpret the Plan, and to
decide all pension benefit claims (subject to the appeal rights
summarized beginning on page 46 of this booklet.)
If you have questions about this booklet or the terms of the
Sound Plan, please contact the Administrative Office at
(206) 282-4500 or (800) 225-7620, or visit
www.soundretirementtrust.com.