If a Participant’s appeal is denied, in whole or in part, he or she will be notified in writing of the specific reason(s) for the denial and the exact Plan provision(s) on which the decision was based. If a Participant is not notified within the 60-day (or 120-day, if so extended) period, he or she may consider the appeal as denied. Notwithstanding anything contained herein to the contrary, no Participant may file a lawsuit until these procedures have been exhausted, it being understood that these claims procedures shall not prevent a Participant from filing a lawsuit after the claims procedures have been exhausted.

If a Participant’s appeal is denied, in whole or in part, he or she will be notified in writing of the specific reason(s) for the denial and the exact Plan provision(s) on which the decision was based. If a Participant is not notified within the 60-day (or 120-day, if so extended) period, he or she may consider the appeal as denied. Notwithstanding anything contained herein to the contrary, no Participant may file a lawsuit until these procedures have been exhausted, it being understood that these claims procedures shall not prevent a Participant from filing a lawsuit after the claims procedures have been exhausted.

If a Participant’s appealclaim is denied, in whole or in part, he or shethe Participant will be notified in writing of the specific reason(s) for the denial anddenial, the exact Plan provision(s) on which the decision was based. If abased, what additional material or information is relevant to his or her case, and what procedure the Participant is not notified withinshould follow to get the 60-day (or 120-day, if so extended) period, he or she may considerclaim reviewed again. The Participant then has 60 days to appeal the appeal as denied. Notwithstanding anything contained hereindecision to the contrary, no Participant may file a lawsuit until these procedures have been exhausted, it being understood that these claims procedures shall not prevent a Participant from filing a lawsuit after the claims procedures have been exhausted.Committee.

If a Participant’s appealclaim is denied, in whole or in part, he or she​ will be notified in writing of the specific reason(s) for the denial anddenial, the exact Plan provision(s) on which the decision was based. If a Participantbased, what additional material or information is not notified withinrelevant to his or her case, and what procedure ​ should follow to get the 60-day (or 120-day, if so extended) period, he or she may considerclaim reviewed again. ​ then has 60 days to appeal the appeal as denied. Notwithstanding anything contained hereindecision to the contrary, no Participant may file a lawsuit until these procedures have been exhausted, it being understood that these claims procedures shall not prevent a Participant from filing a lawsuit after the claims procedures have been exhausted.Committee.

If a Participant’sclaim of a Participant is wholly or partially denied, the Participant or his duly authorized representative may appeal is denied, in whole or in part, he or she will be notified in writingthe denial of the claim to the Committee. Such appeal must be made at any time within 30 days after the Participant receives written notice from the Company of the denial of the claim. In connection therewith, the Participant or his duly authorized representative may request a review of the denied claim, may review pertinent documents, and may submit issues and comments in writing. Upon receipt of an appeal, the Committee shall make a decision with respect to the appeal and, not later than 60 days after receipt of such request for review, shall furnish the Participant with the decision on review in writing, including the specific reason(s)reasons for the denial anddecision written in a manner calculated to be understood by the exactParticipant, as well as specific references to the pertinent provisions of the Plan provision(s) onupon which the decision wasis based. If a Participant is not notified within the 60-day (or 120-day, if so extended) period, he or she may consider the appeal as denied. Notwithstanding anything contained herein to the contrary, no Participant may file a lawsuit until these procedures have been exhausted, it being understood that these claims procedures shall not prevent a Participant from filing a lawsuit after the claims procedures have been exhausted.