How to Enroll

	Fill out an Enrollment Form and send it to MassMutual. You will also have to complete a Salary Deferral Agreement and give it to each of your employers. When you change employment, a new Salary Deferral Agreement will have to be provided to each employer. You will also have to complete a new Salary Deferral Agreement if a previous employer rehires you. You will also choose your beneficiary on the Enrollment Form.

	You decide how much to save through the Plan. These before-tax dollars are contributed to the plan through payroll deduction from your individual employer. They are called Deferred Salary Contributions. If you want to change the amount you defer, simply complete a new Salary Deferral Agreement and give it to your employer.

	Each employer will be responsible for sending the participant's contributions to the Plan by the 15th of the following month after the deduction has been made. The contributions should be posted by MassMutual by the 25th of each month.

	You may verify the contribution allocations via the FLASH Line or FLASH (MassMutual's Flash service at 1-800-743-5274 or use the Internet at www.massmutual.com/retire). If there is a discrepancy, you must contact your employer and take reasonable action to correct the discrepancy. If you are unable to correct the discrepancy, you must notify the Plan Administrator.

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Any information that is contained on this web site as it relates to the Welfare Fund, Retirement Fund,
Training Fund or the Individual Account and 401(k) Plan; is supplied for informational purposes only and does not
amend, replace or constitute your summary plan description or plan documents for each of those funds or plans.