The United MineWorkers of America (“UMWA”) Cash Deferred Savings Plan of 1988 (“Savings Plan” or "CDSP") is designed to help you meet your financial needs during your retirement years. The Savings Plan originally became effective on May 1,1988 and was most recently amended as of January 1, 2010. It came about as a result of the National Bituminous Coal Wage Agreement (“NBCWA”) of 1988, negotiated between the UMWA and the Bituminous Coal Operators’ Association, Inc. (“BCOA”). The Savings Plan is a defined contribution 401(k) plan, through which you may be able to reduce your annual taxable income by deferring a portion of your Compensation, through payroll deductions, into the Plan as 401(k) Contributions.

Transition of the UMWA CDSP of 1988 to Prudential Retirement

• Cecil E. Roberts' Letter to Participants - 06/29/2009
• Prudential Retirement's Letter to Participants - 07/24/2009
• Prudential Retirement's Qualified Default Investment Alternatives (QDIA) Notice - 07/31/2009
• Prudential Retirement's FUND Fact Sheets - 08/05/2009
• Prudential Retirement's Coal Company Letter - 08/07/2009