Attention:

Participants Of The Local Union 126, Retirement Plan

TRANSFORM YOUR FUTURE

The Trustees are pleased to provide you with the resources you need to help make planning for your financial future easier and more convenient. The Local Union 126, Retirement Plan offers the following features to help you manage your retirement savings.

Self direction [the ability to choose your own investments].

A wide selection of diversified investment options.
Comprehensive quarterly statements mailed to your home on a timely basis.
Personal customer service from 8 a.m. to 10 p.m. Eastern Time, any business day.
Greater flexibility to manage your account using a new toll-free, 24-hour automated telephone system.
Extensive, ongoing educational communications about the Plan to help with financial decisions.

A Plan Web site that provides current, confidential account information, daily transactional capabilities, and financial planning tools.

TO PARTICIPATE IN SELF-DIRECTED INVESTMENTS

Take advantage of the educational seminars which are periodically hosted by Putnam's Retirement Educational Consultants.

Putnam is able to handle all of your plan needs, you are able to select your investments via telephone or the Plan's Web site, www.ibenefitcenter.com

We hope you are pleased with the investment opportunities available to the Local Union No. 126 Retirement Plan. If you have any questions about the Plan or your investment options, please call Putnam Investments at 1-800-685-6401. Representatives will be available from 8 a.m. to 10 p.m. Eastern Time, any business day.