SUPPLEMENTAL BENEFITS PLAN

To All Participants in the Supplemental Benefits Plan:

This Summary Plan Description ("SPD") is intended to provide you with information about the administration and benefits of the Supplemental Benefits Plan of the Fresno Police Officers Association (FPOA). The SPD contains general information about the administration of the Plan as well as an outline of eligibility criteria, available benefits, exclusions and claims procedures. It is a summary of the information contained in the Supplemental Benefits Plan Plan Document. In the case of a conflict between the SPD and the Plan Document, it is the Plan Document which will control.

We recommend that you read this SPD carefully so that you will be fully informed as to the benefits, eligibility requirements and exclusions of the Plan. If you have any questions which the SPD does not answer, or wish to clarify any information herein, please contact the Supplemental Benefit Plan Committee at 994 North Van Ness, Fresno, California 93728-3428. Only the Supplemental Benefit Plan Committee may give you information concerning the Plan. Statements by other persons including Association personnel are not authorized and will not be binding on the supplemental Benefit Plan Committee or the Plan.

As fellow police officers, the members of the Supplemental Benefit Plan Committee are gratified to offer these benefits to you.

Sincerely,

FRESNO POLICE OFFICERS
ASSOCIATION SUPPLEMENTAL
BENEFIT PLAN COMMITTEE

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