Introduction The UFCW Local 1776 and Participating Employers Retirement and Savings Plan was developed in collective bargaining to provide additional retirement benefits to Eligible Employees. The Plan is administered by a joint Board of Trustees comprised of an equal number of representatives appointed by the UFCW Local 1776 and by the Employers (the "Plan Administrator" or "Administrator"). The Trustees work diligently on your behalf to operate the Plan efficiently and to enforce its provisions fairly. The Trustees hire professionals to help them run the Plan. These professionals include a third-party administrator and staff who are responsible to collect the contributions to the Plan, maintain certain information, approve the payment of benefits, and provide some of the day-to-day operations of the Plan. The Trustees also contract with attorneys to consult on legal matters, an auditor to review the financial statements, a recordkeeping firm to assist with the administration of the Plan, a custodian to hold the assets of the Plan, and an investment consultant to review investment options offered under the Plan. This booklet is published by the Trustees of the UFCW Local 1776 and Participating Employers Retirement and Savings Plan and describes the highlights of the Plan. To help you understand the Plan more clearly, the use of legal and technical terms has been avoided wherever possible. However, it is not intended that this description modify or change in any manner the complete official text of the Plan document on which this description is based. All capitalized words in this Summary Plan Description have the same meaning as set forth in the Plan, unless otherwise indicated. While every effort has been made to ensure the accuracy of this description, the official Plan document will govern in the event of any conflict. Copies of the Plan document are available for your review at the Fund office. If you have any questions about this important benefit, please contact the Fund office at (610) 941-9400 or (800) 458-8618.