LOSS OF PENSION CREDITS AND BENEFIT UNITS

 The Pension Plan is designed to provide retirement benefits to employees who have long and continuous years of service prior to retirement with Employers participating in the Fund. As you work for a participating Employer, you continue to earn additional Pension Credits, and Benefit Units. The longer you work for an Employer, the greater your pension will be. Although you may intend to continue your employment with participating Employers until you retire, there may be situations that will prevent you from continuing to work for Employers that contribute on your behalf into the Fund. You should therefore be aware of the circumstances that could cause you to lose or forfeit your benefits under this Plan.