Summary Plan Description (Revised January 1, 2012)

Qualified Domestic Relations Order (QDRO)

If you were divorced at any time during your career as a carpenter and your divorce decree or property settlement agreement calls for a division of benefits under the Carpenters Retirement Plan and/or the Carpenters Individual Account Pension Plan, the plans will require a Qualified Domestic Relations Order (QDRO). A QDRO allows for the accurate division of these benefits under this plan. Please contact Retirement Services at the Trust Office for assistance with this process. The QDRO procedures are available in article 13.2. A sample QDRO is available on the trust website: www.ctww.org.