Culinary and Bartenders 401k Retirement Savings Plan

CULINARY AND BARTENDERS 401K
   RETIREMENT SAVINGS PLAN

By participating in the Plan, you:

• Build additional retirement income to supplement your union pension
• Pay less taxes now because your contributions come out of your pay pre-tax
• Can take advantage of a variety of investment choices
• Can change your contribution and investment allocation anytime at no charge

Special Plan Features:

• Investment advice
• Account access by phone and internet
• Quarterly statements
• Portability (available at most Union employers if you change jobs)
• Loans available