Non-Signatory Employment is work in the Sheet Metal Industry, as defined by the Plan, which is not covered by a collective bargaining agreement with SMART. It is important to note that work in the Sheet Metal Industry generally falls into any of the following categories:

• Any and all types of work covered by a SMART collective bargaining agreement.
• All types of work under the trade jurisdiction of the Union as defined in the SMART Constitution.
• All types of work under the trade jurisdiction of a related building trade which includes, but is not limited to, Asbestos Workers, Boilermakers, Bricklayers, Carpenters, Electrical Workers, Iron Workers, Laborers, Operating Engineers, Painters, Roofers, Teamsters, or the Plumbers or Pipe Fitters.
• Any other work to which a sheet metal worker has been assigned or referred, or can perform, which is attributable to his or her skills and training as a sheet metal worker, which includes but is not limited to project management, residential construction, service work, engineering consulting, energy management, sign manufacturing, plumbing and electrical work, roofing, property management, and window/skylight repair and installation.

If you work in Non-Signatory Employment, your Plan benefits are generally affected as follows:

• You will lose all Past Service Credit for the purpose of calculating your benefit.
• You will not be eligible to have any portion of your Early Retirement Pension paid in the form of a 55/30 Pension or 60/30 Pension.
• You will be subject to early retirement delays. Any benefit you have earned on or after September 1, 1988, will not be used in determining your initial monthly pension if you elect an Early Retirement Pension. This portion of your benefit will be delayed six months for each calendar quarter in which you performed one hour or more of Non-Signatory Employment. However, this benefit will not be delayed beyond Normal Retirement Age.
• You will not be eligible for a Full Disability Benefit.
• In the event you die before retirement, no Lump Sum Death Benefit will be payable to your beneficiary.
• You will not qualify for the 401(h) Medicare Benefit offered toward the cost of your supplemental insurance. This benefit is described in more detail under 401(h) Supplemental Insurance Subsidy.

If you are subject to early retirement delays, you may be able to reduce or eliminate the delays if you return to Covered Employment and earn Pension Credit equal to the period of time you worked in Non-Signatory Employment. The ability to reduce or eliminate the delay applies only to your first return to Covered Employment after Non-Signatory Employment.