Service Employees 32BJ North Pension Fund

North Pension Fund Summary Plan Description (SPD) >> Important Notice

We are pleased to present you with this revised Summary Plan Description (“SPD”) explaining the benefits provided through the Service Employees 32BJ North Pension Fund to eligible Participants and their designated Beneficiaries. We suggest you review this material carefully in order to fully understand the benefits provided. This revised Summary Plan Description explains the rules of the Fund as of January 1, 2008.

This SPD is intended to provide a general summary of the main provisions of the Plan. It is not a complete description of the Plan. A complete description of the Plan can only be found in the Plan document, a copy of which is available from the Fund. If you would like a copy of the Plan, please call 1-866-231-3225. In case of any conflict between the provisions of the Plan document and this SPD, the provisions of the Plan document will always control.

Certain terms used in this SPD have specific meanings with respect to your pension benefits. These words are capitalized and are defined beginning on page 6. The words “you” or “your” used throughout this SPD mean the Participant unless the context clearly provides otherwise.

Although the Trustees intend to continue the Plan indefinitely, they reserve the right to terminate the Plan at any time. The provisions of this document are subject to the rules, regulations or procedures of the Plan in effect at the time the claim is made. The Board of Trustees has the power 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, Participants, Beneficiaries, and all other persons who may be involved or affected by the Plan. You will be notified of any material changes to this SPD as required by law.

It is extremely important that you keep the Fund informed of any change in your address, marital status or desired changes in Beneficiary designation. This is your obligation and you could lose benefits if you fail to do so.

Please remember that no one other than the Fund Office can verify your Plan benefits. Do not rely upon any statement regarding benefits under the Plan made by your employer, your union agent or other employees. If you have trouble understanding any part of this material or have any questions about your benefits, contact the Fund at 101 Avenue of the Americas, New York, NY 10013, 1-866-231-3225, Monday through Friday, 8:00am to 5:00pm.