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This Summary Plan Description is intended to
provide a brief description of the International Union of Operating
Engineers Local No. 132 Annuity and Savings Fund to the participants of
the Plan.
This description is based on the official legal
Plan and trust documents. If there is any conflict between
this Summary Plan Description and the complete text of the Plan or
trust documents, then those documents govern.
You may review the complete Plan and trust
documents at the Trustee's offices during regular business hours and
may obtain copies of all or any part of the Plan or trust.
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