Presentation to: Visalia Police Officers Association September 29, 2011.

Presentation to:Presentation to:

Visalia Police Officers AssociationVisalia Police Officers Association

September 29, 2011September 29, 2011

PORAC MembershipPORAC Membership PORACPORAC: Regular Membership, $7.00 per member per month: Regular Membership, $7.00 per member per month

Fully Staffed Headquarters at your serviceFully Staffed Headquarters at your service Many Insurance & Benefits Program to choose fromMany Insurance & Benefits Program to choose from Legal Defense Fund Legal Defense Fund Retiree Medical Trust - Retiree Medical Trust - NEWNEW $5,000 AD&D Policy FREE with PORAC Membership$5,000 AD&D Policy FREE with PORAC Membership Legislative lobbyists working full time for Peace Officer Legislative lobbyists working full time for Peace Officer

RightsRights PAC Benefits (Local and Statewide Political Action Support)PAC Benefits (Local and Statewide Political Action Support) Training Seminars year round and POST approvedTraining Seminars year round and POST approved PORAC Law Enforcement News MagazinePORAC Law Enforcement News Magazine Chapter Meetings to network with other associationsChapter Meetings to network with other associations Annual Conference of MembersAnnual Conference of Members

What is PORACWhat is PORAC PPeace eace OOfficers fficers RResearch esearch AAssociation of ssociation of

CCalifornia is an Association of Associationsalifornia is an Association of Associations Membership is currently more than 915 Membership is currently more than 915

AssociationsAssociations Approximately 62,000 members Approximately 62,000 members Established in 1953 as a non-profit Established in 1953 as a non-profit

organizationorganization Run by Peace Officers for Peace OfficersRun by Peace Officers for Peace Officers Active or retired in California and Nevada.Active or retired in California and Nevada.

PORAC OfficersPORAC Officers

President … Ron Cottingham – San Diego President … Ron Cottingham – San Diego DSADSA

Vice President ... Mike Durant – Santa Vice President ... Mike Durant – Santa Barbara DSABarbara DSA

Treasurer … Marcelo Blanco – Upland PMATreasurer … Marcelo Blanco – Upland PMA

Secretary … Mike Sobek- San Leandro POASecretary … Mike Sobek- San Leandro POA

PORAC Executive PORAC Executive CommitteeCommittee

PresidentPresident Ron Cottinghan – San Diego Ron Cottinghan – San Diego County DSACounty DSA

Vice PresidentVice President Michael Durant – Santa Barbara Michael Durant – Santa Barbara DSADSA

TreasurerTreasurer Marcelo Blanco – Upland PMAMarcelo Blanco – Upland PMA SecretarySecretary Mike Sobek – San Leandro POA Mike Sobek – San Leandro POA Region 1Region 1 Shaun Du Fosee- Sonoma LEAShaun Du Fosee- Sonoma LEA Region 2Region 2 Randy Beintema- San Joaquin DSARandy Beintema- San Joaquin DSA Region 2Region 2 Jacky Parks– Fresno POAJacky Parks– Fresno POA Region 3Region 3 Randy Watkins-Ventura Co. DSA Randy Watkins-Ventura Co. DSA Region 3Region 3 Joe Flannagan – Alhambra POAJoe Flannagan – Alhambra POA Region 4Region 4 William Abernathie - SEBAWilliam Abernathie - SEBA Region 4Region 4 Buddy Magor – Chula Vista POABuddy Magor – Chula Vista POA

PORAC Chapter & Region PORAC Chapter & Region MapMap

PORAC Chapter PORAC Chapter InformationInformation

South San Joaquin ChapterSouth San Joaquin Chapter

Executive Committee Members:Executive Committee Members: Jacky Parks- Fresno POAJacky Parks- Fresno POA Randy Beintema- San Joaquin DSARandy Beintema- San Joaquin DSA

Chapter President:Chapter President:Gary Williams- Kern LEAGary Williams- Kern LEA

Chapter Director:Chapter Director: David Winters- Tulare County DSADavid Winters- Tulare County DSA

Chapter MeetingsChapter Meetings

Meet regularly. Usually monthly meetingsMeet regularly. Usually monthly meetings Networking with other similar associationsNetworking with other similar associations Distribute chapter general fund moniesDistribute chapter general fund monies Distribute chapter PAC moniesDistribute chapter PAC monies Initiate legislation, send to PORAC BODInitiate legislation, send to PORAC BOD Select State and local candidatesSelect State and local candidates

Benefits of PORAC Benefits of PORAC MembershipMembership

PORAC Insurance & Benefits PORAC Insurance & Benefits TrustTrust

PORAC Legal Defense Fund TrustPORAC Legal Defense Fund Trust

PORAC Retiree Medical TrustPORAC Retiree Medical Trust

PORAC LegislationPORAC Legislation

PORAC has the most aggressive & PORAC has the most aggressive & successful legislative program in the statesuccessful legislative program in the state

PORAC tracks legislation in both PORAC tracks legislation in both Sacramento and Washington DC to Sacramento and Washington DC to benefit Peace Officersbenefit Peace Officers

PORAC has been instrumental in passing PORAC has been instrumental in passing legislation to protect Peace Officer rightslegislation to protect Peace Officer rights

Protect Workers Compensation BenefitsProtect Workers Compensation Benefits Protecting Pension BenefitsProtecting Pension Benefits

PORACPORAC Insurance & Insurance &

BenefitsBenefits

Insurance and Benefit Insurance and Benefit Trust/ CommitteeTrust/ Committee

Eight (8) Trustees are elected for Eight (8) Trustees are elected for a two year term from every a two year term from every Region.Region.

Three (3) Trustees are appointed Three (3) Trustees are appointed for a one year term.for a one year term.

I&B ManagerI&B Manager I&B Administrative AssistantI&B Administrative Assistant Three (3) LTD Claims AnalystThree (3) LTD Claims Analyst

Development of I & B TrustDevelopment of I & B Trust

In 1963 the concept of offering group In 1963 the concept of offering group insurance plans to the members was insurance plans to the members was presented at the annual conference.presented at the annual conference.

In 1991 the governing committee In 1991 the governing committee established the Insurance and Benefit established the Insurance and Benefit Trust.Trust.

Purpose of the Trust is to provide for Purpose of the Trust is to provide for death, sickness, accident or other benefits death, sickness, accident or other benefits to PORAC members or their beneficiaries.to PORAC members or their beneficiaries.

Approximately 62,000 members are Trust Approximately 62,000 members are Trust Participants.Participants.

Insurance & Benefits Insurance & Benefits ProgramsPrograms

Coverage and products available include:Coverage and products available include: Accidental DeathAccidental Death Individual Term LifeIndividual Term Life Group LifeGroup Life Preferred Provider Health Insurance PlanPreferred Provider Health Insurance Plan Vision PlanVision Plan Dental PlanDental Plan Cancer & Hospital Intensive Care Insurance, Cancer & Hospital Intensive Care Insurance,

Personal Short Term, Accident Expense, Recovery Personal Short Term, Accident Expense, Recovery Plus, & Sickness Indemnity Plans, Voluntary Plus, & Sickness Indemnity Plans, Voluntary Indemnity and Dental Insurance offered by (AFLAC).Indemnity and Dental Insurance offered by (AFLAC).

Auto InsuranceAuto Insurance Homeowner’s InsuranceHomeowner’s Insurance

Long Term Disability PlansLong Term Disability Plans 3 LTD Plans3 LTD Plans

Premier Plus – Pays 70% of 12,857Premier Plus – Pays 70% of 12,857(Pre-disability (Pre-disability Earnings)Earnings)

Premium $22.50 Premium $22.50 Premier -Pays 66 2/3% of $10,500 Premier -Pays 66 2/3% of $10,500 Premium $19.50Premium $19.50Both plans have $50,000 Death BenefitBoth plans have $50,000 Death Benefit

Basic -Pays 70% of $9,000Basic -Pays 70% of $9,000 (non- (non-occupational)occupational)

Premium $9.50Premium $9.50Only pay on Non-OCC disabilities. No Death Benefit payableOnly pay on Non-OCC disabilities. No Death Benefit payable

Accidental Death Insurance Accidental Death Insurance PlanPlan

All PORAC Members (Regular, All PORAC Members (Regular, Limited, Retirees)Limited, Retirees)

Pays $5000 on-duty Pays $5000 on-duty

$1000 off-duty$1000 off-duty

Individual Term Life/Group Individual Term Life/Group Life InsuranceLife Insurance

Voluntary Plan that offers life Voluntary Plan that offers life insurance benefits up to $1,000,000insurance benefits up to $1,000,000

Able to convert your life insurance to Able to convert your life insurance to a permanent individual life a permanent individual life insurance policy without medical insurance policy without medical examinationexamination

Anthem Blue Cross Anthem Blue Cross Health PlanHealth Plan

Offered to PEMHCA Participants thru Offered to PEMHCA Participants thru CalPERSCalPERS

Deductible – Deductible – PPO $300/$900PPO $300/$900Non-PPO $600/$1800Non-PPO $600/$1800

Maximum Annual Co-payment – Maximum Annual Co-payment – $3000/$6000$3000/$6000

Physician Care - Physician Care - $20.00 co-payment$20.00 co-payment Allergy Testing –Allergy Testing – 90% / 10%90% / 10% Well-Child Care - Well-Child Care - No ChargeNo Charge Preventative Care (up to $500 yr) - No Preventative Care (up to $500 yr) - No

ChargeCharge

Delta Dental PlansDelta Dental Plans

Delta Premier Delta Premier

Freedom to seek services from any Freedom to seek services from any Delta Premier DentistDelta Premier Dentist

Delta CareDelta Care

Need to select a Dentist and Need to select a Dentist and coordinate all care through that coordinate all care through that Group.Group.

Vision Service Plan (VSP)Vision Service Plan (VSP)

Plan APlan A

ExaminationExamination Every 12 monthsEvery 12 months

Lenses Lenses Every 24 monthsEvery 24 months

FramesFrames Every 24 monthsEvery 24 months

Retiree PlanRetiree Plan

ExaminationExamination Every 12 monthsEvery 12 months

LensesLenses Every 24 monthsEvery 24 months

FramesFrames Every 24 monthsEvery 24 months

Cancer/Intensive Care Cancer/Intensive Care PlansPlans

All Individual Policies offered All Individual Policies offered through AFLAC.through AFLAC.

Contact: Anna Reed Contact: Anna Reed (Project Coordinator)(Project Coordinator)

PORAC Customer ServicePORAC Customer Service

888-712-3522888-712-3522

California Casualty Auto & California Casualty Auto & Home Insurance Home Insurance

Homeowner and renter policies include Homeowner and renter policies include up to $5000 theft protection for up to $5000 theft protection for personal firearms.personal firearms.

$500 personal property protection for $500 personal property protection for items lost in a collision, fire or stolen items lost in a collision, fire or stolen from your car (including cell phones & from your car (including cell phones & firearms).firearms).

Optional loan/lease payoff coverage in Optional loan/lease payoff coverage in event your car is a total loss.event your car is a total loss.

Multi-policy discount – up to 15% off Multi-policy discount – up to 15% off your auto and 10% off your home policy.your auto and 10% off your home policy.

Misc. Info on the I&BMisc. Info on the I&B

Office located in PORAC Headquarters in Office located in PORAC Headquarters in Sacramento.Sacramento.

I & B contracts with PORAC to provide I & B contracts with PORAC to provide accounting services for the Trust and accounting services for the Trust and Committee.Committee.

All audits, reports and records are kept at All audits, reports and records are kept at PORAC Headquarters.PORAC Headquarters.

I & B operation is consistent with federal I & B operation is consistent with federal guidelines.guidelines.

I & B reports to PORAC LeadershipI & B reports to PORAC Leadership I & B communication vehicles includeI & B communication vehicles include

PORAC Law Enforcement NewsPORAC Law Enforcement News Association mailersAssociation mailers Educational SeminarsEducational Seminars

TrusteesTrustees

Region 1 – Region 1 – Franco Vado (San Jose POA)Franco Vado (San Jose POA)Claude Alber (Santa Rosa POA)Claude Alber (Santa Rosa POA)

Region 2 – Region 2 – Scott Nelson (Modesto POA)Scott Nelson (Modesto POA)Tom Sigley (Tulare DSA)Tom Sigley (Tulare DSA)

Region 3 – Region 3 – Mike Solis (Santa Monica POA)Mike Solis (Santa Monica POA)Bill Daniels (Simi Valley POA)Bill Daniels (Simi Valley POA)

Region 4 – Region 4 – Dennis Hashin (Huntington Beach Dennis Hashin (Huntington Beach POA)POA)

Rusty Rea (Chula Vista POA) (Chair)Rusty Rea (Chula Vista POA) (Chair)

PORAC Vice President – PORAC Vice President – Mike Durant (Santa Barbara DSA)Mike Durant (Santa Barbara DSA)Board Appointee - Board Appointee - Jacky Parks (Fresno POA)Jacky Parks (Fresno POA)Retiree Appointee -Retiree Appointee - Shane Talbot (Ret. Santa Monica Shane Talbot (Ret. Santa Monica POA)POA)

PORACPORAC LEGAL LEGAL

DEFENSE DEFENSE FUNDFUND

OVERVIEWOVERVIEW

Created in 1974 to provide legal Created in 1974 to provide legal defense for Peace Officers.defense for Peace Officers.

Non-Profit / E.R.I.S.A. Trust.Non-Profit / E.R.I.S.A. Trust. Run by peace officers for peace Run by peace officers for peace

officers.officers. Oldest & Largest LDF Plan in Oldest & Largest LDF Plan in

the Nation.the Nation.

PORAC LDFPORAC LDF

No cap on benefitsNo cap on benefits

DIVERSE MEMBERSHIPDIVERSE MEMBERSHIP Police OfficersPolice Officers FirefightersFirefighters Border Patrol Border Patrol

AgentsAgents State TroopersState Troopers Correctional Correctional

OfficersOfficers DispatchersDispatchers Fish & Game Fish & Game

WardensWardens

Deputy SheriffsDeputy Sheriffs DA InvestigatorsDA Investigators CSO’sCSO’s Park RangersPark Rangers University PoliceUniversity Police Airport PoliceAirport Police School PoliceSchool Police

MEMBERSHIPMEMBERSHIP A large and A large and

stable stable membership membership base is a base is a cornerstone cornerstone in our ability in our ability to provide to provide unrivaled unrivaled serviceservice

Puerto Rico

Total Membership Total Membership NumbersNumbers

* As of 08/2011

Participants: 91,291Associations: 953

LOCAL PARTICIPATINGLOCAL PARTICIPATING ASSOCIATIONS ASSOCIATIONS

Fresno DSAFresno DSA Tulare DSATulare DSA Stanislaus DSAStanislaus DSA Monterey DSAMonterey DSA Kern LEAKern LEA Madera DSAMadera DSA Kings County DSAKings County DSA

Visalia PMAVisalia PMA Fresno POAFresno POA Clovis POAClovis POA Bakersfield POABakersfield POA Tulare POATulare POA Hanford POAHanford POA Lemoore POALemoore POA

PLAN IPLAN I

$17.00 per member, per month$17.00 per member, per month AdministrativeAdministrative CriminalCriminal CivilCivil

* Subject to experience rating* Subject to experience rating

PLAN IIPLAN II

$4.50 per member, per $4.50 per member, per monthmonthCivilCivilCriminalCriminal

ADMINISTRATIVE ADMINISTRATIVE DISCIPLINE COVERAGEDISCIPLINE COVERAGE

Representation in cases arising from an Representation in cases arising from an act or act or

omission within scope of employment omission within scope of employment

Note: Note: for an additional $5.00 you can for an additional $5.00 you can purchase additional non-scope coverage purchase additional non-scope coverage

through the administrative hearing through the administrative hearing process.process.

CRIMINAL COVERAGECRIMINAL COVERAGE

(Only for act or omission within the scope of (Only for act or omission within the scope of employment)employment)

Full representation by an experienced criminal Full representation by an experienced criminal attorney. attorney.

Triggered by criminal exposure:Triggered by criminal exposure: ShootingsShootings Death in CustodyDeath in Custody Use of Force resulting in serious physical injuryUse of Force resulting in serious physical injury Investigation/allegation of criminal activityInvestigation/allegation of criminal activity

24 Hours a Day / 7 days a week / 365 days a 24 Hours a Day / 7 days a week / 365 days a year.year.

SCOPE OF CRIMINAL SCOPE OF CRIMINAL COVERAGECOVERAGE

Begins at the outset of the Begins at the outset of the investigation and continues through investigation and continues through trial.trial.

This benefit is available regardless This benefit is available regardless of which agency conducts the of which agency conducts the investigation.investigation. FBIFBI StateState LocalLocal

CIVIL COVERAGECIVIL COVERAGE

(Only for act or omission within the (Only for act or omission within the scope of Employment)scope of Employment)

Employer “Should”:Employer “Should”:

““DEFEND & INDEMNIFY”DEFEND & INDEMNIFY”

Civil CoverageCivil Coverage

If your employer If your employer refuses to represent yourefuses to represent you;; or,or,

A legal A legal conflict of interestconflict of interest between you and between you and your your employer; or, employer; or,

Inadequate representationInadequate representation by your by your employer; or,employer; or,

A considerable likelihood that A considerable likelihood that punitive punitive damagesdamages could be awarded against you. could be awarded against you.

You will be provided with independent You will be provided with independent counsel by the Legal Defense Fundcounsel by the Legal Defense Fund

CIVIL CASE MONITORINGCIVIL CASE MONITORING

If your employer defends, but If your employer defends, but does NOT indemnify does NOT indemnify (i.e. (i.e. “reservation of rights”), then:“reservation of rights”), then:

Experienced Civil Attorney Monitors Experienced Civil Attorney Monitors case.case.

Watches for Conflicts.Watches for Conflicts. Available to consult with member.Available to consult with member.

CUSTOMARY & USUAL CUSTOMARY & USUAL SERVICESSERVICES

Court CostsCourt Costs InvestigatorsInvestigators Polygraph examinersPolygraph examiners Court ReportersCourt Reporters Expert WitnessesExpert Witnesses

+ Use of Force+ Use of Force + Pathologists+ Pathologists + Medical+ Medical + Psychological+ Psychological + Computer / Document Forensics+ Computer / Document Forensics

CONFLICT COVERAGECONFLICT COVERAGE

Each member gets separate Each member gets separate Counsel as appropriate.Counsel as appropriate.

-Administrative-Administrative

-Civil-Civil

-Criminal-Criminal

APPEALAPPEAL

Any member who is denied benefits Any member who is denied benefits by the Legal Administrator may by the Legal Administrator may appeal to the Board of Trustees.appeal to the Board of Trustees.

Members may personally appear and Members may personally appear and present their appeal. present their appeal.

AFFIRMATIVE RELIEF AFFIRMATIVE RELIEF COVERAGECOVERAGE

Special discretionary representation Special discretionary representation in cases of general importance.in cases of general importance. Safety violationsSafety violations Retaliation for union activitiesRetaliation for union activities Qualified Immunity Qualified Immunity DiscriminationDiscrimination

FINANCIALFINANCIAL

As of June 30, 2011, the Legal Defense As of June 30, 2011, the Legal Defense Fund had net assets of $6,805,789Fund had net assets of $6,805,789

* As of 06/30/2011

QUALITYQUALITY

Our members’ survey responses Our members’ survey responses have made it clear that the have made it clear that the

commitment to high quality is commitment to high quality is greatly appreciated.greatly appreciated.

SURVEY OF CLIENTS OF LDF SURVEY OF CLIENTS OF LDF PROVIDERSPROVIDERS

  1.1. Were you courteously treated by your Were you courteously treated by your LDF representative?LDF representative?

Yes: 99%Yes: 99% No: 1%No: 1% No Answer: No Answer: N/AN/A

2.2. Did your LDF representative clearly Did your LDF representative clearly explain your legal matter and the steps explain your legal matter and the steps needed to resolve it?needed to resolve it?

Yes: 96%Yes: 96% No: 4%No: 4% No Answer: N/ANo Answer: N/A

3.3. How well did your LDF representative How well did your LDF representative keep you informed keep you informed about what was about what was happening with your legal matter?happening with your legal matter?

Very well informed:Very well informed: 67% 67%Fairly well informed:Fairly well informed: 28% 28%Not well informed:Not well informed: 5 % 5 %No Answer:No Answer: N/A N/A

4.4. How satisfied are you with the work How satisfied are you with the work your LDF representative your LDF representative did for you?did for you?

Very satisfied:Very satisfied: 79%79%Fairly well satisfied:Fairly well satisfied: 16%16%Not satisfied:Not satisfied: 5%5%No Answer:No Answer: N/A N/A

PORAC LDF TrusteesPORAC LDF Trustees Region I: Region I: Dee Dee Lundquist Dee Dee Lundquist Sonoma County Law Enforcement Assoc.Sonoma County Law Enforcement Assoc.

(707) 292-2726 e-mail: (707) 292-2726 e-mail: [email protected]@comcast.net

Region II: Region II: Andy Schlenker (Chair)Andy Schlenker (Chair) Modesto Police Management Assoc.Modesto Police Management Assoc. (888) 556-5631 e-mail: (888) 556-5631 e-mail: [email protected]@comcast.net

Region III: Region III: Roger StephensonRoger Stephenson El Segundo Police Officers Assoc.El Segundo Police Officers Assoc. (310) 505-1238 e-mail: (310) 505-1238 e-mail: [email protected]@thevine.net Region IV: Region IV: Fred RowbothamFred Rowbotham

Chula Vista Police Officers Assoc.Chula Vista Police Officers Assoc. (619) 410-8288 e-mail: (619) 410-8288 e-mail: [email protected] [email protected]

PORAC Board Rep: PORAC Board Rep: William AbernathieWilliam Abernathie San Bernardino CO SEBASan Bernardino CO SEBA

(909) 816-6639 e-mail: (909) 816-6639 e-mail: [email protected]@roadrunner.com

PORAC LDF HotlinePORAC LDF Hotline

(888)556-5631(888)556-5631

24 / 7 / 36524 / 7 / 365

EMERGENCY HOTLINEEMERGENCY HOTLINE

PORAC LDF Contact PORAC LDF Contact InformationInformation

FOR MORE INFORMATION ABOUTFOR MORE INFORMATION ABOUT THE LEGAL DEFENSE FUNDTHE LEGAL DEFENSE FUND::

CALL:CALL: (888)556-5631(888)556-5631OR VISIT OUR WEBSITE AT:OR VISIT OUR WEBSITE AT:

www.poracldf.orgwww.poracldf.org

PORAC PORAC Retiree Medical Retiree Medical

TrustTrust

IntroductionIntroduction

The Peace Officers Research Association of California (PORAC) is sponsoring a retiree medical benefit plan for its member associations.

It is funded through a tax exempt employee benefit trust called the PORAC Retiree Medical Trust.

Plan FeaturesPlan Features A Retiree Medical Trust (RMT) is a healthcare pre-A Retiree Medical Trust (RMT) is a healthcare pre-

funding vehicle that is funded by defined funding vehicle that is funded by defined contributions set in the labor agreement, and contributions set in the labor agreement, and provides a stream of monthly payments for life, for provides a stream of monthly payments for life, for those who meet the eligibility rules. The employer those who meet the eligibility rules. The employer and/or employee contributions to the RMT are made and/or employee contributions to the RMT are made during the active employment of participating during the active employment of participating employees. employees.

Contributions are pooled and held in trust, which is a Contributions are pooled and held in trust, which is a separate legal entity from the employee and the separate legal entity from the employee and the employer. The Trust is controlled and administered employer. The Trust is controlled and administered by a Board of Trustees.by a Board of Trustees.

The payments must be used to reimburse the The payments must be used to reimburse the retiree for medical premiums or medical retiree for medical premiums or medical expenses.expenses.

TrusteesTrusteesRegion I: Region I: Earl Titman (Chair)Earl Titman (Chair)

Novato Police Management Assoc.Novato Police Management Assoc.(415) 497-3043 e-mail: (415) 497-3043 e-mail: [email protected] [email protected]

Region II: Region II: Terry MooreTerry Moore Chico Police Officers Assoc.Chico Police Officers Assoc.

(530) 897-5825 e-mail: [email protected] (530) 897-5825 e-mail: [email protected]

Region III:Region III: John SnowlingJohn Snowling Ventura Police Officers Assoc.Ventura Police Officers Assoc.

(805) 797-8858 e-mail: (805) 797-8858 e-mail: [email protected] [email protected] Region IV: Region IV: Rusty ReaRusty Rea

Chula Vista Police Officers Assoc.Chula Vista Police Officers Assoc.(619) 210-5389 e-mail: (619) 210-5389 e-mail: [email protected] [email protected]

PORAC PORAC Board Rep:Board Rep: Kreg MullerKreg Muller

Huntington Beach Peace Officers Assoc.Huntington Beach Peace Officers Assoc. (714) 981-4468 e-mail: [email protected] (714) 981-4468 e-mail: [email protected]

PORAC RMT InformationPORAC RMT InformationIf you have questions please contact:If you have questions please contact:

Your PORAC RMT Region Trustee Your PORAC RMT Region Trustee or the or the

Trust’s Administrative OfficeTrust’s Administrative Office(Cindi Forbes (866) 258-1912)(Cindi Forbes (866) 258-1912)