To All Participants in the Vacation-Holiday Plan

We are pleased to provide you with this Summary Plan Description (SPD) booklet describing the benefits available under Vacation – Holiday Plan.

This booklet provides a summary of the Plan rules as in effect June 1, 2017, including the crediting of contributions, eligibility for benefits, and procedures for filing a claim for benefits.

This booklet is only a summary of the Plan rules. The complete rules of the Plan are contained in the Agreement and Declaration of Trust which is available upon request from the Fund Office. If there is any conflict between the information in this booklet and the Plan rules, the Plan rules will control.

For your protection, only the Board of Trustees is authorized to interpret the rules of the Plan. Official information about your rights under the Plan must be communicated to you, in writing, signed on behalf of the Board of Trustees. The Board has authorized the Fund Office to communicate with Participants on its behalf.

Please remember to keep the Fund Office informed of any change in your mailing address. This will ensure that you receive all communications. Also, please be sure to keep your beneficiary designation forms up to date.

The Vacation-Holiday Savings Plan has been providing benefits for over 50 years. We are proud of the success of the Plan and believe it will continue to provide significant benefits to Participants and their families and beneficiaries for many years to come.

Sincerely,

BOARD OF TRUSTEES