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Local 78Michael LaDouceur – AndersonBrothersWith Deepest SympathyWe offer our sincere condolences to thefamilies, friends, and colleaguesmourning the loss of these respectedunion members. Their dedication andpresence will be profoundly missed.Big Change Coming in 2026!SummerNewsletterCom p a n y N e w s | B e n efi t s | W e l l nes sStarting January 1, 2026, Minnesota workers will be able to take up to 20 weeks ofjob‑protected, partially paid leave—covering personal illness, caring for family,welcoming a child, or safety concerns—without losing their jobs. Funded by a 0.88%payroll premium (split 50/50), this benefit will be administered via MinnesotaDepartment of Employment and Economic Development (DEED). Stay tuned — your employer will be sharing more details about this new law as itbecomes available.YOUR BENEFITS AT-A-GLANCEGet quick benefits information and resources whenever youneed it with this helpful overview. Access:Benefits & carrier linksHow to find an in-network providerMental health resourcesand more!VIEW NOWClick here to learn what they mean and what toknow about insurance costs as you use and electyour coverage.Understanding InsuranceTerminologyHave you ever been confused about thefollowing terms when looking at andchoosing your benefit plans?Premium? Deductible?Copay? Coinsurance?

Managing your risk - summer series session #2Home insurance is such a basic part of owning a home, but do you truly understand what your policy termsmean for you? This session offers a look into the essentials of home insurance by covering key componentsof a standard home insurance policy to empower you when navigating your own policy. Click to register or watch the recording!C L A R E T I R E M E N T P L A N SYour union offers a robust line-up of retirement plan offerings to its members. Types of retirement plansoffered by CLA include a defined benefit pension plan, a defined contribution plan (which includes asupplemental pension plan) & a 401(k) plan.Defined Benefit Pension Plans:Provide retirees with a guaranteed monthly incomeThe CLA Defined Benefit Pension Plan is overseen by a Board of Trustees that provides oversight of theinvestment of the fund’s assets.The Trustee Board has established an investment policy to provide a long-term investment horizon, andthe investment strategy is designed to ensure the prudent investment of assets in a manner that willmaximize the total return subject to the preservation of capital.How well funded is your plan?Both CLA Pension Plans are well-funded and are in the green zone, which means that the pension plans areable to meet the retiree payment obligations.Defined Contribution Plans (CLA has two types of plan offerings):First Type: Supplemental Pension Plan is a Money Purchase/Prevailing Wage Plan - This plan provides alump sum payout at retirement. The Board of Trustees oversees the investment of the plan’s assets,similar to the pension plan.Second Type: 401(k) Plan - This plan allows the union member to defer part of their wage into thisretirement plan. The deferred wages may be pre-tax or Roth (after-tax) up to the 2025 limit of $23,500.The investment options are selected from a Trustee Board approved list. Employers may provide amatching contribution.In summary, the CLA retirement plans provide a solid offering of retirement income and lump sum payoutoptions at retirement.HOME INSURANCE 101Tuesday, August 12 | 2:00pm CSTHwy ConstructionUnited ConstructionValuation DateDecember 31, 2024December 31, 2024Funded Percentage112%115%Actuarial Value of Assets56.6 Million44.9 MillionActuarial Value of Liabilities50.5 Million39.0 Million

L O C A L U N I O N B O A R D E L E C T I O N S :N O M I N A T I O N & V O T I N G P R O C E S SEach December, a “Nominations” letter is mailed to every Union member within their respective local.This letter outlines the opportunity for members to either nominate themselves or be nominated byanother member for a position on their Local Board.At the local level, the officer positions include President, Secretary, Treasurer, and General Assistant.In addition, each local may elect a limited number of Trustees, who serve in an advisory capacity.The number of trustees is determined per your Local’s Bylaws. All officer and trustee positions aretwo-year terms, with elections staggered to ensure continuity in leadership.Local Board elections are conducted annually, with specific positions open each year in accordancewith the Local’s Bylaws. If more than one individual is nominated for a given position by thenomination deadline outlined in the official notice, the position is considered contested. In suchcases, secret ballots will be distributed to members via the U.S. Postal Service, with a clearly stateddeadline for submission.For Locals 8, 78 and 84, the ballots for contested positions are opened during the Local's AnnualMeeting. If a position is uncontested, the nominee is automatically elected to that Local Boardposition.The next level of leadership is the National Board. National Board Officers are responsible foroverseeing the governance and strategic direction of the organization, as well as managing allmatters related to the welfare of CLA-USA.To be eligible for election to the National Board, an individual must first hold an elected position on aLocal Board. National Board positions include President, Chairperson, Vice President, Treasurer,Secretary, and Assistant Secretary-Treasurer, each serving a four-year term. In addition, each Localmay elect one additional National Board member for every 200 members beyond the initial 200. Forexample, a Local with 400 members may elect two National Board members.As a union member, you have the right to representation during any meeting that could resultin discipline. If you're called into a meeting by management or a supervisor and believe it maylead to disciplinary action, you can invoke your Weingarten Rights. Let them know you wantunion representation, and National Representative will join you for the meeting.Make sure that if you attend a meeting without union representation, you fully understandand agree with anything you are asked to sign. If you're unsure about the document, requestthat your union representative review it before you sign.K N O W Y O U R W E I N G A R T E N R I G H T SShannon: shannon@cla-usa.comJoni: joni@cla-usa.comCLA Office: 218-454-5018CLA Questions?Let us know your name, size, and local whenplacing your order.Text: 218-821-9183Email: shannon@cla-usa.comWant to order a jacket?

Local 78 & 84 MembersTo view your Defined Benefit (DB) account, update your address, phone number,email, or beneficiary information, or check your hours worked (if applicable)You can create an account to log in and access: • Hours submitted • Pension credits • Pension estimates (only available if you are 100% vested)QUICK LINKS - LOGINS & ACCESSMN - SUMMER 2025Defined Benefit Account Access & Update Your InformationCLA Portal LoginLocal 78 & 84 Members - Mobile App LoginAfter downloading the Capital Group PlanPremier401k app from the App Store or GooglePlay, you can access your account securely 24/7.To protect your personal information and prevent fraud, you’ll need to set up: • A user ID and password • A one-time passcodeYou can use the same login credentials for both the mobile app and desktop site.If you'd like to be featured in an upcoming newsletter, send a photo, story of yourselfor your work crew to Shannon at shannon@cla-usa.com or text it to 218-821-9183.CLA 401(k) AccessU P C OM I N G C L A M E ET I N G SNational Board Meeting:November 6, 2025 – 10:00 AM Location TBDMinnesota Joint Board MeetingImmediately following National Board Meeting on 11/6/25Local 78 Pension & Health/WelfareNovember 11, 2025 – 9:00 AMResource Training & Solutions, Sartell, MNLocal 84 Pension & 401(k)November 17, 2025 – 10:00 AMResource Training & Solutions, Sartell, MNAnnual Meeting – Locals 8, 78 & 84February 21, 2026Northern Lights Event Center, Walker, MNLogin InstructionsOnline Access Now Available for DC & PW AccountsYou can now view your Defined Contribution (DC) and Prevailing Wage (PW) accounts online!Log in anytime to check your balances, contributions, and more—24/7 access at your fingertips.Don’t miss out—take advantage of this new feature today! To view your Defined Contribution and Prevailing Wage account:Enter your User ID and PasswordSelect “Participant” from the dropdown box, then click on LoginFor first-time users: Username = your Social Security Number (no dashes) Password = last 4 digits of your Social Security Number You will be prompted for a one-time PIN confirmationLogin InstructionsAlways use the logout button toend your online sessionLogin Instructions401k LoginAccount Login