UFCW LOCAL 1776 And PARTICIPATING EMPLOYERS
RETIREMENT and SAVINGS PLAN

Table of Contents		Summary Plan Description
Introduction		Loans
Your Retirement and Savings Plan		Hardship Withdrawals
Eligibility and Participation		Tax Treatment of Distributions
Contributions to the Plan		Taxation Of Distribution
Pre-Tax Contributions		Penalty On Early Distributions
Changing Your Contributions		How to Apply for Benefits
Flexible Benefits Plan Contributions		If Your Claim is Denied
Rollover Contributions		Qualified Domestic Relations Order
Investment of Your Accounts		Some Important Points
Valuation of Your Account		Future of the Plan
Participant Investment Self-Direction		Your Rights Under Employee Retirement Income Security Act of 1974
Vesting		Other Important Information
When and How Benefits are Paid		Governing Documents
When You Retire
If You Should Die
Payment Of Benefits at Death Or Retirement		Home
If You Should Leave