August 12, 1999 (Updated)

To: New Participating Employer

Re: New Employer Information
Plan I - Local 85 Hour Bank

Dear Employer:

Welcome to the Teamsters Benefit Trust.

• All employees — whether working as Casuals or Regulars — are subject to a "lag month." A lag month means, for example, that hours worked in May will provide coverage for the month of July — June is the lag month. Hours worked in June provide coverage for August and so on. See the Supplement (pages two and six) To the Guide To Your Benefits For All Participants In the Local 85 Security Fund.
• Eligibility for employees hired after the Company begins participation in the Fund is explained on page two of the Supplement to the Guide To Your Benefits.

• Checks are to be made payable to "Teamsters Benefit Trust" and mailed (in the pre-addressed envelope provided) to:

• The Company is required to make contributions on all employees who work the hours stipulated in the CBA.

• An invoice for ____ coverage (based on ____ hours), payable in ____ is enclosed. Please return monthly invoices, even if there were no hours worked in a particular month. Indicate by "zero hours". If an employee terminates, simply line through the name and give the reason for termination using the codes listed on the invoice. (Remember to submit a COBRA "Notice of Qualifying Event.") For new employees, type in the name, Social Security number and contribution. Please include the employee’s address (either on the contribution statement or on a separate sheet so that a "new employee packet" containing enrollment material can be mailed to them).
• Monthly invoices will list employees for whom you submitted contributions in the previous month. If the next to the last column contains "EN FORM?," the individual must submit a TBT Enrollment Form. Please encourage the employee to do so. The importance of this Form is addressed later in this letter.

• A Benefit Packet is enclosed for your information and records.
• New employee packets were mailed to current employees on ________. A packet will be mailed to new employees after your first contribution is paid on their behalf.
• Every employee must complete and return a TBT Enrollment Form.
• New employee packets consist of two parts:

1. Envelope entitled " Inside: Important Information about your Benefits" contains the following:

• "Dear Employee" letter.
• Guide To Your Benefits. Plus...

• Summary of Coverage - Plan I.
• Comparison of Medical Benefits - Plan I.
• Comparison of Dental Benefits - Plan I.
• Enrollment Materials.
• Forms.

2. Additional Information:

• Bright Now! Dental and PacificDental Benefits brochures.
• HMO information.
• Preferred provider hospital list.
• Preferred provider physicians directory.

• If the employee is not making a change, their current medical option (Kaiser or Indemnity) will continue. All employees will be covered under Delta Dental (even if currently in the Local 85 Security Fund CIGNA dental plan).
• Medical and dental options and enrollment requirements are explained under Enrollment Materials located in the "Your Benefits Package" folder. Current employees and newly hired employees (when eligible) may elect any of the available medical options; however, new employees may elect dental coverage under Bright Now! Dental or PacificDental Benefits (PDB) only. The Indemnity Dental Plan (Delta Dental) is not available until the second Open Enrollment following the employee’s initial hire date (unless the employee qualifies for Delta Dental coverage under one of the "exceptions" listed on the back of the Dental Option Form). Note: Employees have no dental coverage until an option is elected! Options elected will apply to all family members.

• The Fund is administered by the Board of Trustees who have contracted with Lipman Insurance Administrators, Inc. (LIA) to conduct the day-to-day affairs of the Fund, including accounting, service and claims payment functions.
• A copy of the Agreement and Declaration of Trust, with amendments, is enclosed. This is the basic document governing the operation of the Fund.

If you have any questions please call the TBT Plan Administration Office.

• GENERAL QUESTIONS and CLAIMS STATUS – a TBT service representative.
• BILLING, ACCOUNTING and REPORTING MATTERS – Connie Gordon or Cynthia Trujillo.
• DENTAL ENROLLMENT and RxAMERICA – Phyllis Dallas or
  Wendy Gonzales.
• RETIREE COVERAGE – John Holloman or Lynne Carter.
• HMO MATTERS – Mercy Bautista or Carol Chmielewski.
• CLAIMS – Sylvia Sanchez or Rose Cruz (for status on a current claim, ask for a TBT service representative).

Phone: (510) 796-4676 or (800) 533-0119

FAX: (510) 795-0680

• Claims submission should be based upon the individual employee's TBT coverage effective date. Claims incurred prior to the employee's TBT coverage effective date should be sent to your prior administrator or insurance company.
• For eligible employees, please submit claims incurred AFTER ______ 1, to:

Sincerely,

Martin R. Lowy
Fund Manager

MRL/mr

Enclosures: