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Review of Decision. Within sixty (60) days after the Committee’s receipt of a request for review, after considering all materials presented by the Claimant, the Committee will inform the Claimant in writing, in a manner calculated to be understood by the Claimant, the decision setting forth the specific reasons for the decision containing specific references to the pertinent provisions of this Plan on which the decision is based. If special circumstances require that the sixty (60) day time period be extended, the Committee will so notify the Claimant before the expiration of such period and will render the decision as soon as possible, but no later than one hundred twenty (120) days after receipt of the request for review.

ReviewThe claimant will have sixty days to request a review of Decision. Withinthe denial by the Committee, which will provide a full and fair review. The request for review must be in writing delivered to the Committee. The claimant may review pertinent documents, and he may submit issues and comments in writing. The decision by the Committee with respect to the review must be given within sixty (60) days after the Committee’s receipt of the request, unless special circumstances require an extension (such as for a hearing). In no event shall the decision be delayed beyond 120 days after receipt of the request for review, after considering all materials presented by the Claimant, the Committee will inform the Claimant in writing,review. The decision shall be written in a manner calculated to be understood by the Claimant, the decision setting forth theclaimant, and it shall include specific reasons for the decision containingand refer to specific referencesPlan provisions as to the pertinent provisions of this Plan on which the decision is based. If special circumstances require that the sixty (60) day time period be extended, the Committee will so notify the Claimant before the expiration of such period and will render the decision as soon as possible, but no later than one hundred twenty (120) days after receipt of the request for review.its effect.

Review of Decision. Within sixty (60)A decision will be rendered no more than 60 days after the Committee’s receipt of a request for review, after considering all materials presented by the Claimant, the Committee will inform the Claimant in writing, in a manner calculated to be understood by the Claimant, the decision setting forth the specific reasons for the decision containing specific references to the pertinent provisions of this Plan on which the decision is based. If special circumstances require that the sixty (60) day time period be extended, the Committee will so notify the Claimant before the expiration of such period and will render the decision as soon as possible, but no later than one hundred twenty (120) days after receipt of the request for review.review, except that such period may be extended for an additional 60 days if the Plan Committee determines that circumstances (such as for a meeting) require such extension. If an extension of time is required, written notice of the extension will be furnished to the claimant before the end of the initial 60-day period.

Review of Decision. WithinThe Committee’s decision on review will be made not later than sixty (60) days after the Committee’shis or her receipt of athe request for review, after considering all materials presented by the Claimant, the Committee will inform the Claimant in writing, in a manner calculated to be understood by the Claimant, the decision setting forth the specific reasons for the decision containing specific references to the pertinent provisions of this Plan on which the decision is based. Ifunless special circumstances require that the sixty (60) dayan extension of time periodfor processing, in which case a decision will be extended, the Committee will so notify the Claimant before the expiration of such period and will render the decisionrendered as soon as possible, but nonot later than one hundred one-hundred-twenty (120) days after receipt of the request for review. This notice to the claimant will indicate the special circumstances requiring the extension and the date by which the Committee expects to render a decision and will be provided to the claimant prior to the expiration of the initial period.

ReviewThe decision on the review of Decision. Withinthe denied claim shall be rendered by the Committee within sixty (60) days after the Committee’s receipt of athe request for review,review (if no hearing is held) or within sixty (60) days after the hearing if one is held. However, if special circumstances require an extension of the period of time for considering all materials presentedan appeal, the 60-day period can be extended for an additional 60 days by giving the Claimant,claimant written notice of the Committee will informextension, the Claimant in writing, inreason why the extension is necessary, and the date a manner calculated todecision is expected. The decision shall be understood by the Claimant, the decision setting forthwritten and shall state the specific reasons for the decision containing specificincluding references to the pertinentspecific provisions of this Plan on which the decision is based. If special circumstances require that the sixty (60) day time period be extended, the Committee will so notify the Claimant before the expiration of such period and will render the decision as soon as possible, but no later than one hundred twenty (120) days after receipt of the request for review.

Review of Decision. WithinThe Committee shall render its decision on review promptly, and not later than sixty (60) days after the Committee’s receiptfiling of a written request for review,review of the denial, unless a hearing is held or other special circumstances require additional time, in which case the Committee’s decision must be rendered within one hundred twenty (120) days after considering all materials presented bysuch date. The Claimant will receive written notification if any extension beyond the Claimant, the Committee will inform the Claimant in writing,original sixty (60) days is necessary. Such decision must be written in a manner calculated to be understood by the Claimant, the decision setting forth the specific reasons for the decision containing specific references to the pertinent provisions of this Plan on which the decision is based. If special circumstances require that the sixty (60) day time period be extended, the Committee will so notify the Claimant before the expiration of such period and will render the decision as soon as possible, but no later than one hundred twenty (120) days after receipt of the request for review.it must contain:

Review of Decision. Within sixty (60)A decision will be rendered no more than 60 days after the Committee’s receipt of athe request for review, after considering all materials presented by the Claimant,except that such period may be extended for an additional 60 days if the Committee will inform the Claimant in writing, in a manner calculated to be understood by the Claimant, the decision setting forth the specific reasons for the decision containing specific references to the pertinent provisions of this Plan on which the decision is based. Ifdetermines that special circumstances (such as for a hearing) require thatsuch extension. If an extension of time is required, written notice of the sixty (60) day time periodextension will be extended, the Committee will so notifyfurnished to the Claimant before the expiration of such period and will render the decision as soon as possible, but no later than one hundred twenty (120) days after receiptend of the request for review.initial 60-day period.

Review of Decision. Within sixty (60)A decision will be rendered no more than 60 days after the Committee’Committee’s receipt of a request for review, after considering all materials presented by the Claimant, the Committee will inform the Claimant in writing, in a manner calculated to be understood by the Claimant, the decision setting forth the specific reasons for the decision containing specific references to the pertinent provisions of this Plan on which the decision is based. If special circumstances require that the sixty (60) day time period be extended, the Committee will so notify the Claimant before the expiration of such period and will render the decision as soon as possible, but no later than one hundred twenty (120) days after receipt of the request for review.review, except that such period may be extended for an additional 60 days if the Committee determines that special circumstances (such as for a hearing) require such extension. If an extension of time is required, written notice of the extension will be furnished to the claimant before the end of the initial 60-day period.

Review of Decision. Within14.4Decision on Review. The Committee shall render its decision on review promptly, and no later than sixty (60) days after the Committee’Committee receives the Claimant’s receipt of awritten request for review, after consideringa review of the denial of the claim. If the Committee determines that special circumstances require an extension of time for processing the claim, written notice of the extension shall be furnished to the Claimant prior to the termination of the initial sixty (60) day period. In no event shall such extension exceed a period of sixty (60) days from the end of the initial period. The extension notice shall indicate the special circumstances requiring an extension of time and the date by which the Committee expects to render the benefit determination. In rendering its decision, the Committee shall take into account all materials presentedcomments, documents, records and other information submitted by the Claimant,Claimant relating to the Committee will informclaim, without regard to whether such information was submitted or considered in the Claimant in writing,initial benefit determination. The decision must be written in a manner calculated to be understood by the Claimant, the decision setting forth the specific reasons for the decision containing specific references to the pertinent provisions of this Plan on which the decision is based. If special circumstances require that the sixty (60) day time period be extended, the Committee will so notify the Claimant before the expiration of such period and will render the decision as soon as possible, but no later than one hundred twenty (120) days after receipt of the request for review.it must contain:

ReviewThe claimant may request a review of Decision. Within sixty (60)any denial of his or her claim by written application to the Committee within 60 days after the Committee’s receipt of a requestthe notice of denial of such claim. Within 60 days (or, if special circumstances require an extension of time for review,processing, 120 days, in which case notice of such special circumstances should be provided within the initial 60-day period) after considering all materials presented by the Claimant,receipt of written application for review, the Committee will informprovide the Claimantclaimant with its decision in writing, in a manner calculated to be understood byincluding, if the Claimant, the decision setting forth theclaimant's claim is not approved, specific reasons for the decision containingand specific references to the pertinentPlan provisions of this Plan on which the decision is based. If special circumstances require that the sixty (60) day time period be extended, the Committee will so notify the Claimant before the expiration of such period and will render the decision as soon as possible, but no later than one hundred twenty (120) days after receipt of the request for review.

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