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Please read the Important Information section before proceeding.

Plan Documentation and Procedures

Print Complete Plan Documentation and Procedures Section

How to Participate in the Trust

What steps do Banks (and their affiliates) need to take to participate in The Trust?
What is an "affiliate"?
What are the terms of the Trust?

Signing Up for a Specific Benefit Coverage

Plan Documentation (Description and Guide for Completion)

Does each Bank need its own Plan Document?
What constitutes the Plan Document?
What if a Bank already has a Plan Document?
Do participants have a right to see the Plan Document?

Adoption of Plan by a "Single Employer"

Adoption of Plan by a Group of Related Employers

How does a Plan maintained by a group of related employers ("Controlled Group") of Banks and affiliates complete the form Plan Document?

Changes to Plan Document After Adoption

Qualified Medical Child Support Order Procedures

Summary Plan Description

What is the Bank's responsibility for distribution of the Summary Plan Description?
What constitutes the form SPD?
How is the form SPD Completed?
Who should receive the SPD?

Distribution Requirements for SPDs without Medical, Dental, or Vision Benefits

Special Distribution Requirements for SPDs with Medical, Dental, or Vision Benefits

Electronic Distribution of SPDs

Plan Document, SPD, and Qualified Medical Child Support Order Procedures Record Retention

Annual Report (Form 5500) and Summary Annual Report

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