1.    How do I change my mailing address?
       Contact the Trust Fund office at (707) 526-1996.

2.    When do I become covered (vested)?
       You automatically become covered (vested) on the day

       contributions are made on your behalf. 
 

3.    When may I retire from the Redwood Empire Electrical

       Workers Individually Allocated Pension Plan?
       When you reach age 55 (Normal Retirement Age) regardless

       of the number of years you have worked.

4.    Can I withdraw the Contribution made for me before my
       Retirement Date?
       Yes, under certain conditions. If you do not work under the

       Collective Bargaining Agreement for a twelve consecutive

       month period, you can withdraw the value of your entire Basic

       Account if that value is less than $15,000.

       If the value of your combined Basic and Voluntary Accounts is

       $5,000 or more, you cannot receive a cash distribution unless

       your spouse consents in writing.

       If the value is $15,000 or greater, your Basic Account will

       remain with the Plan until you retire or die. Benefits will then

       be paid in accordance with the Plan provisions.

5.    If I have $15,000 or greater in my account and I am under
       age 55, is there any other option for accessing my Pension
       funds?
       Two options may be available to borrow against your Pension for

       participants. One of which is to borrow against your funds to use

       toward the purchase of your primary residence. Two, is to borrow

       against your funds for any reason. The minimum you may borrow

       is $1,000 and the maximum you may borrow is the lesser of 50%

       of your account balance or $50,000. Contact John Hancock

       directly to request more information or to request your application.

       Further information is listed under Loan Option within the

       Defined Contribution Pension information.