Notice of Critical and Declining Status

This document is about the notification from the Southern California, Arizona, Colorado and Southern Nevada Glaziers, Architectural Metal and Glass Workers Pension Trust regarding the plan's critical and declining status. It informs the recipients that the plan is insolvent and has an accumulated funding deficiency, and that the trustees may need to adopt a rehabilitation plan that could include reductions to certain adjustable benefits, such as early retirement benefits and payment options other than a qualified joint-and-survivor annuity.