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      <GeneralExplanation>
        <Identifier>ELECTION OF MEMBERS AND THEIR RIGHTS</Identifier>
        <ReturnReference>FORM 990, PAGE 6, PART VI, LINE 7A</ReturnReference>
        <Explanation>ALL BOARD MEMBERS ARE ELECTED BY THE MEMBERSHIP INTO OFFICER POSITIONS, FROM WHICH THEY HOLD THEIR TRUSTEESHP EX OFFICIO.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>ORGANIZATION'S PROCESS USED TO REVIEW FORM 990</Identifier>
        <ReturnReference>FORM 990, PAGE 6, PART VI, LINE 11B</ReturnReference>
        <Explanation>THE FORM 990 IS PRESENTED AND APPROVED AT MEETING OF THE BOARD OF TRUSTEES, SUBJECT TO APPROVAL AND REVIEW BY THE FUND LEGAL COUNSEL.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>ENFORCEMENT OF CONFLICTS POLICY</Identifier>
        <ReturnReference>FORM 990, PAGE 6, PART VI, LINE 12C</ReturnReference>
        <Explanation>THE TRUSTEE SHARL PROVIDE HIS OR HER FULL COOPERTION TO THE BOARD, IN ORDER TO ENSURE THAT THE BOARD HAS A COMPLETE UNDERSTANDING OF THE CONFLICT AND ITS EFFECT ON THE FUND OPERATIONS. HE OR SHE SHALL ANSWER ANY QUESTIONS POSED BY THE BOARD TO THE BEST OF HIS OR HER ABILITY, AND SHALL SUPPLY THE BOARD WITH ANY RELEVANT DOCUMENATATION RELATED TO THE CONFLICT, UPON REQUEST. FUTHERMORE, A TRUSTEE WITH A CONFLICT OF INTEREST SHALL NOT VOTE ON MATTERS WHERE THE CONFLICT IS APPLICABLE. SUCH TRUSTEE ALSO SHALL NOT PARTICIPATE IN DUSCUSSIONS AS AN ADVOCATE ON MATTERS AFFECTING HIS OR HER PERSONAL INTERESTS AT MEETINGS OR THROUGH PRIVATE CONTACTS WITH THE CONFLICTING PARTY, BUT MAY RESPOND TO REQUETS FOR FACTUAL INFORMATION FROM OTHER TRUSTEES NEEDED TO REACH AN INFORMED DECISION. IN ADDITION, IN SOME SITUATIONS, A TRUSTEE WHO IS DETERMINED TO HAVE A CONFLICT OF INTERST MAY BE REQUESTED BY THE BOARD TO NOT BE PRESENT DURING THE REVIEW OF SUCH MATTERS, TO AVOID INHIBITING FREE DISCUSSION BY THE BOARD. THE DUTY TO DISCLOSE CONFLICTS OF INTEREST IS AN ONGOING ONE. ANY MATERIAL CHANGES IN STATUS OR INFORMATION REGARDING THE CONFLICT SHALL BE DISCLOSED TO THE BOARD EITHER VERBALLY OR IN WRITING, DURING ANY REGULARLY SCHEDULED TRUSTEES' MEETINGS.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>GOVERNING DOCUMENTS DISCLOSURE EXPLANATION</Identifier>
        <ReturnReference>FORM 990, PAGE 6, PART VI, LINE 19</ReturnReference>
        <Explanation>THE FUND IS ESTABLISHED AND MAINTAINED PURSUANT TO THE EMPLOYEE RETIREMENT SECURITY ACT OF 1974, AS AMENDED. IT OPERATES IN COMPLIANCE WITH THE REPORTING AND DISCLOSURE REQUIREMENTS OF SUBTITLE B, PART 1 ERISA WITH RESPECT TO DISCLOSURE OF ITS GOVERNING DOCUMENTS AND FINANCIAL INFORMAITON. IT OPERATES IN COMPLIANCE WITH THE FIDUCIARY RESPONSIBILITY REQUIREMENTS OF SUBTITLE B, PART 4 OF ERISA.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>ADDITIONAL INFORMATION</Identifier>
        <ReturnReference>FORM 990, PART VII</ReturnReference>
        <Explanation>LINE 1A - THE TURSTEES OF THE FUND SERVE WITHOUT COMPENSATION FROM THE FUND BUT ARE COMPENSATED AS EMPLOYEES OF THE ENTITIES THAT MIGHT BE A "SPONSORING ORGANIZATION OF A VEBA" OR "CONTRIBUTING EMPLOYER OF A VEBA"; HOWEVER, NONE OF THOSE ENTITIES CONTRIBUTED 10% OR MORE OF THE CONTRIBUTIONS TO THE FUND DURING THE TAX YEAR. (SEE THE INSTRUCTION TO SCHEDULE R.)</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
    <IRS990ScheduleR documentId="RetDoc4">
      <Form990ScheduleRPartII>
        <NameOfDisregardedEntity>
          <BusinessNameLine1>SEE PART VII</BusinessNameLine1>
        </NameOfDisregardedEntity>
        <DirectControllingEntityNA>N/A</DirectControllingEntityNA>
        <ControlledOrg>false</ControlledOrg>
      </Form990ScheduleRPartII>
      <Form990ScheduleRPartIII>
        <NameOfRelatedOrg>
          <BusinessNameLine1>SEE PART VII</BusinessNameLine1>
        </NameOfRelatedOrg>
        <DirectControllingEntityNA>N/A</DirectControllingEntityNA>
        <DisproportionateAllocations>false</DisproportionateAllocations>
        <GeneralOrManagingPartner>false</GeneralOrManagingPartner>
      </Form990ScheduleRPartIII>
      <Form990ScheduleRPartIV>
        <NameOfRelatedOrg>
          <BusinessNameLine1>SEE PART VII</BusinessNameLine1>
        </NameOfRelatedOrg>
        <DirectControllingEntityNA>N/A</DirectControllingEntityNA>
      </Form990ScheduleRPartIV>
      <ReceiptOfIntAnnRentsRoyalties>false</ReceiptOfIntAnnRentsRoyalties>
      <GiftGrantOrCapContrToOtherOrg>false</GiftGrantOrCapContrToOtherOrg>
      <GiftGrantOrCapContrFrOtherOrg>false</GiftGrantOrCapContrFrOtherOrg>
      <LoansOrGuaranteesToOtherOrg>false</LoansOrGuaranteesToOtherOrg>
      <LoansOrGuaranteesFromOtherOrg>false</LoansOrGuaranteesFromOtherOrg>
      <SaleOfAssetsToOtherOrg>false</SaleOfAssetsToOtherOrg>
      <PurchaseOfAssetsFromOtherOrg>false</PurchaseOfAssetsFromOtherOrg>
      <ExchangeOfAssets>false</ExchangeOfAssets>
      <RentalOfFacilitiesToOtherOrgs>false</RentalOfFacilitiesToOtherOrgs>
      <RentalOfFacilitiesFrOtherOrgs>false</RentalOfFacilitiesFrOtherOrgs>
      <PerformOfServicesForOtherOrgs>false</PerformOfServicesForOtherOrgs>
      <PerformOfServicesByOtherOrgs>false</PerformOfServicesByOtherOrgs>
      <SharingOfFacilities>false</SharingOfFacilities>
      <SharingOfPaidEmployees>false</SharingOfPaidEmployees>
      <ReimbursementPaidToOtherOrg>false</ReimbursementPaidToOtherOrg>
      <ReimbursementPaidByOtherOrg>false</ReimbursementPaidByOtherOrg>
      <OtherTransferToOtherOrg>false</OtherTransferToOtherOrg>
      <OtherTransferFromOtherOrg>false</OtherTransferFromOtherOrg>
      <Form990ScheduleRPartVI>
        <NameOfBusiness>
          <BusinessNameLine1>SEE PART VII</BusinessNameLine1>
        </NameOfBusiness>
        <AllPartnersC3S>false</AllPartnersC3S>
        <DisproportionateAllocations>false</DisproportionateAllocations>
        <GeneralOrManagingPartner>false</GeneralOrManagingPartner>
      </Form990ScheduleRPartVI>
      <Form990ScheduleRPartVII>
        <Identifier>ADDITIONAL INFORMATION</Identifier>
        <ReturnReference>SCHEDULE R</ReturnReference>
        <Explanation>SCHEDULE R PARTS III IV AND V IDENTIFICATION OF RELATED ORGANIZATIONS THE FILING ORGANIZATION IS A MULTIEMPLOYER TRUST FUND AS DEFINED IN THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974 AS AMENDED THE FUND PROVIDES HEALTH AND WELFARE BENEFITS TO ELIGIBLE PARTICIPANTS AND THEIR DEPENDENTS AS OF APRIL 30 2012 THERE WERE 30 CONTRIBUTING EMPLOYERS TO THE FUND UNDER THE INSTRUCTIONS TO SCHEDULE R THOSE EMPLOYERS ARE CONSIDERED RELATED ORGANIZATIONS THE FUNDS ADMINISTRATIVE OFFICE MAINTAINS A DATABASE OF ALL CONTRIBUTING EMPLOYERS INCLUDING NAMES ADDRESSES AND OTHER CONTACT INFORMATION HOWEVER THE FUND DOES NOT HAVE AND HAS NO REASONABLE WAY TO OBTAIN MUCH OF THE INFORMAITON TO BE REPORTED ON SCHEDULE R SUCH AS EMPLOYER IDENTIFICATION NUMBERS AND THE EMPLOYERS LEGAL STRUCTUREEG CORPORATION OR PARTNERSHIP THE FOLLOWING IS A LISTING OF THOSE CONTRIBUTING EMPLOYERS WHICH IS THE EXTENT OF THE INFORMATION THE FUND HAS WITH RESPECT TO EACH EMPLOYER CONTRIBUTING EMPLOYERS ARTISAN TILE INC BB TILE MARBLE CO INC BAC LOCAL NO 1 OF MI BOOMS STONE COMPANY BOSTON TILE TERRAZZO CO CSTONE INSTALLATION INC CALIDAD LLC CARLO TILE MARBLE CO COHN COMM FLOOR COVERING INC CONTRACT DESIGN GROUP ELDORADO TILE MARBLE COMPANY EMPIRE TILE COMPANY F D BERARDINO TILE INC FABRIS PEARCE TILE FIGLIOLI TILE STONE LLC HARD ROCK INVESTMENTS LLC INTERNATIONAL CERAMIC CONSTRUCTION L MARSON TILE MARBLE CO MARSON ENTERPRISES INC MICHIELUTTI BROS INC MICHIGAN TILE MARBLE CO MUSANTE TILE INC NATIONAL TILE CO SHAMROCK FLOOR COVERING SERVICE SHOCK BROS FLOOR COVER SHORES TILE CO INC STATE TILE CO INC TRISTATE ONDUSTRIAL FLOORS WOLVERINE STONE CO</Explanation>
      </Form990ScheduleRPartVII>
    </IRS990ScheduleR>
  </ReturnData>
</Return>