CEMENT & CONCRETE WORKERS
FRINGE BENEFIT PENSION FUND

The Cement and Concrete Workers District Council Pension Plan (the "Plan") was first established pursuant to an Agreement and Declaration of Trust dated July 29, 1954. The plan, as amended and restated herein, is effective as of January 1, 2012, except as to such provisions as are specifically made effective on a different date. Except as otherwise specifically provided herein, the rights of any Participant or other person claiming rights under this plan who has died, retired, terminated employment, or suffered a break in service under a prior version of the plan, will be determined under the applicable provisions of the plan as in effect at the time of such Participant's or other person's death, retirement, termination or break in service.