Fund Rules & Policies

Amended as of October 24, 2019

Table of Contents

I.        Purpose

II.       Definitions

III.      Qualified Plan Rules

IV.      Trustee Election Procedure

V.       DROP Distributions

VI.      Beneficiary Designations (as amended, September 20, 2016)

VII.     Procedures for Adoption of Annual COLA

VIII.   COLA Adjustment Policy

           (Amendment to COLA Adjustment Policy-Minimum Benefit Amendment March 26, 2018)

IX.       Benefit Improvement Policy

X.        Option Forms of Benefits (effective, November 1, 2016)

XI.       Procedure to Adopt or Amend Rules or Policies

XII.      Retirement Upon Indefinite Suspension

XIII.     Appeal of Benefits Determination

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Other Policies