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This summary plan description (SPD) highlights the provisions of the Carpenters' Pension Plan. If additional information about the Plan is needed, contact the Pension Office. Effective May 1, 1995, the Carpenters' District Council Shops and Mills Pension Plan (the "Prior Shops Plan") was merged into the Pension Plan of Carpenters' Pension Trust Fund of St. Louis (the "Plan"). Although the Plans have been combined, the terms of each Plan remain basically the same as before the merger, with the exception that service under both Plans counts for eligibility and vesting.

For simplicity, references in this SPD to the "Plan" include only provisions that do not relate to the Shops Plan. The terms of the Shops Plan are found in Appedix A to the Plan Document, and there is a separate SPD for the Shops Plan. The term "Shops Plan" refers to the provisions that apply to individuals who would have been covered under the Prior Shops Plan. Such individuals (including those who become participants covered by the Shops Plan provisions after the 1995 merger) should refer to the Shops Plan SPD.

The Plan Document governs the payment of all benefits under the Plan. In the event of any conflict, the Plan Document has precedence over this SPD. For your convenience, section references from the Plan Document are provided in this SPD. Specific Plan Document references are identified by bracketed text (e.g.,[Section II(D)]).

This SPD generally describes the Plan in effect as of May 1, 2019. If you stopped working in Covered Employment before that date, some of the features of the Plan described in this SPD may not apply to you.