The claimant (or his or her duly authorized representative) shall have 60 days (or in the case of a disability claim, 180 days) after receipt of notification of the claim denial to request a review of the denial by making written request to the Committee (the “Appeals Committee”), and may have reasonable access to and copies of documents, records and other information relevant to the claim upon request and free of charge, and submit comments, documents, records and other information related to the claim in writing within such period. The claimant shall receive a review of all submitted comments, documents, records and other information related to the claim, regardless of whether the information was submitted or considered in the initial benefit determination.

The claimant (or hisReview of Denial. Upon denial of a claim, in whole or herin part, the Claimant or his duly authorized representative) shallrepresentative will have 60 days (or in the case ofright to submit a disability claim, 180 days) after receipt of notification of the claim denial to request a review of the denial by making written request to the Committee (the “Appeals Committee”),for a full and may havefair review of the denied claim by filing a written notice of appeal with the Committee within 60 days of the receipt by the Claimant of written notice of the denial of the claim. A Claimant or the Claimant’s authorized representative will have, upon request and free of charge, reasonable access toto, and copies ofof, all documents, recordsrecords, and other information relevant to the Claimant’s claim upon requestfor benefits and free of charge,may submit issues and submitcomments in writing.. The review will take into account all comments, documents, recordsrecords, and other information related tosubmitted by the claim in writing within such period. The claimant shall receive a review of all submitted comments, documents, records and other information relatedClaimant relating to the claim, regardless ofwithout regard to whether thesuch information was submitted or considered in the initial benefit determination.

TheReview of Denial. Upon denial of a claim, in whole or in part, a claimant (oror his or her duly authorized representative) shallrepresentative will have 60 days (or in the case ofright to submit a disability claim, 180 days) after receipt of notification of the claim denial to request a review of the denial by making written request to the Committee (the “Appeals Committee”),for a full and may havefair review of the denied claim by filing a written notice of appeal with the Committee within 60 days of the receipt by the claimant of written notice of the denial of the claim. A claimant or the claimant’s authorized representative will have, upon request and free of charge, reasonable access toto, and copies ofof, all documents, recordsrecords, and other information relevant to the claimant’s claim upon requestfor benefits and free of charge,may submit issues and submitcomments in writing. The review will take into account all comments, documents, recordsrecords, and other information related tosubmitted by the claim in writing within such period. The claimant shall receive a review of all submitted comments, documents, records and other information relatedrelating to the claim, regardless ofwithout regard to whether thesuch information was submitted or considered in the initial benefit determination.

TheWithin a reasonable period of time after the denial of the claim, but in any event, not to be more than sixty (60) days, the claimant (or his or his/her duly authorized representative) shall have 60 days (or inrepresentative may make written application to the case of a disability claim, 180 days) after receipt of notification of the claim denial to requestCommittee for a review of the denial by making writtensuch denial. The claimant or his/her representative, may, upon request to the Committee (the “Appeals Committee”), and may have reasonable access to andfree of charge, review or receive copies of documents, records and other information relevant to the claimant’s claim upon requestfor benefits, and free of charge, andmay submit written comments, documents, records and other information relatedrelating to the claim in writing within such period. The claimant shall receive a review of all submitted comments, documents, records and other information related to the claim, regardless of whether the information was submitted or considered in the initial benefit determination.for benefits.

TheWithin sixty days after the receipt by the claimant (or his or her duly authorized representative) shall have 60 days (or inof an adverse benefit determination, the case ofclaimant may appeal such denial by filing with the Committee a disability claim, 180 days) after receipt of notification of the claim denial towritten request for a review of the denial by making written request toclaim. If such an appeal is filed within the Committee (the “Appeals Committee”),sixty day period, the Committee, or a duly appointed representative of the Committee, shall conduct a full and may have reasonable access to and copiesfair review of documents, records and other information relevant to thesuch claim upon request and free of charge, and submitthat takes into account all comments, documents, records and other information related tosubmitted by the claim in writing within such period. The claimant shall receive a review of all submitted comments, documents, records and other information relatedrelating to the claim, regardless ofwithout regard to whether thesuch information was submitted or considered in the initial benefit determination. The claimant shall be entitled to submit written comments, documents, records and other information relating to the claim for benefits and shall be provided, upon request and free of charge, reasonable access to, and copies of all documents, records and other information relevant to the claimant’s claim for benefits. If the claimant requests a hearing on the claim and the Committee concludes such a hearing is advisable and schedules such a hearing, the claimant shall have the opportunity to present the claimant’s case in person or by an authorized representative at such hearing.

TheAppeal Process. Following the denial of a claim, the claimant (or his or her duly authorized representative) shall have 60 days (orto request, in the case of a disability claim, 180 days) after receipt of notification of the claim denial to requestwriting, a review of the denial by makingthe Committee, which will provide a full and fair review. The claimant may review pertinent documents, and may submit written requestcomments, documents, records and other information relating to the Committee (the “Appeals Committee”),claim. In addition, upon request and may havefree of charge, the claimant shall be provided reasonable access toto, and copies of, all documents, records and other information relevant to the claim. The Committee’s decision on review must be given within 60 days after receipt of the request for review unless the Committee determines that special circumstances require an extension of time for processing the claim (such as a hearing), in which case, written notice of the extension shall be provided to the claimant prior to the expiration of the initial 60 day period and the Committee shall have an additional 60 days from the expiration of the initial 60 day period to decide such claim. Any such notice of extension shall indicate the special circumstances requiring an extension of time and the date by which the Committee expects to render its decision. The Committee’s review shall take into account all comments, documents, records and other information submitted by the claimant relating to the claim, without regard to whether such information was submitted or considered in the initial benefit determination. The Committee’s decision shall be provided to the claimant in writing in a manner calculated to be understood by the claimant, and if such claim is denied, shall include # specific reasons for the adverse determination, # reference to the specific Plan provisions on which the determination is based, # a statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant to the claim upon request and free# a statement of charge, and submit comments, documents, records and other information relatedthe claimant’s right to the claim in writing within such period. The claimant shall receive a reviewbring an action under [Section 502] of all submitted comments, documents, records and other information related to the claim, regardless of whether the information was submitted or considered in the initial benefit determination.ERISA.

14.6Appeal and Review. A claimant for benefits whose claim has been denied in whole or in part, or the duly authorized representative of such claimant, may within sixty (60) days after receipt of written notice of such denial request an appeal of such determination. The claimant (or his or her dulyauthorized representative) may submit written comments, documents, records and other information relating to the claim. The claimant (or authorized representative) shall have 60 days (or in the casebe provided, upon request and free of a disability claim, 180 days) after receipt of notification of the claim denial to request a review of the denial by making written request to the Committee (the “Appeals Committee”), and may havecharge, reasonable access toto, and copies ofof, all documents, records and other information relevant to the claim upon request and free(as determined pursuant to [Section 503] of charge, and submitERISA). The review by the Committee will take into account all comments, documents, records and other information related tosubmitted by the claim in writing within such period. The claimant shall receive a review of all submitted comments, documents, records and other information related(or authorized representative) relating to the claim, regardless ofwithout regard to whether thesuch information was submitted or considered in the initial benefit determination. The Committee will then render its final decision in writing and will transmit such written decision to the claimant within a reasonable period of time, but not later than sixty (60) days after receipt of such request for review unless # the time for such decision is postponed by agreement, or # the Committee # determines that special circumstances (such as the need to hold a hearing) require an extension (for no more than a single additional sixty (60) day period) of time for reviewing the claim, and # furnishes the claimant written notice of such extension before the termination of the initial sixty (60) day period, such notice to indicate the special circumstances requiring an extension of time and the date by which the Committee expects to render the determination on review. The Committee shall provide the claimant written notification of its determination on review. In the case of an adverse benefit determination, such notice shall set forth, in a manner calculated to be understood by the claimant, # the specific reason or reasons for the adverse determination, # references to the specific Plan provision on which the benefit determination is based, # a statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and

TheReview of Denial. Upon denial of a claim, in whole or in part, a claimant (oror his or her duly authorized representative) shallrepresentative will have 60 days (or in the case ofright to submit a disability claim, 180 days) after receipt of notification of the claim denial to request a review of the denial by making written request to the Plan Committee (the “Appeals Committee”),for a full and may havefair review of the denied claim by filing a written notice of appeal with the Plan Committee within 60 days of the receipt by the claimant of written notice of the denial of the claim. A claimant or the claimant’s authorized representative will have, upon request and free of charge, reasonable access toto, and copies ofof, all documents, recordsrecords, and other information relevant to the claimant’s claim upon requestfor benefits and free of charge,may submit issues and submitcomments in writing, except for privileged or confidential documentation. The review will take into account all comments, documents, recordsrecords, and other information related tosubmitted by the claim in writing within such period. The claimant shall receive a review of all submitted comments, documents, records and other information relatedrelating to the claim, regardless ofwithout regard to whether thesuch information was submitted or considered in the initial benefit determination.

The claimant (or hisReview of Disability Claims. If a Disability Claim is denied, the Claimant or herthe Claimant’s duly authorized representative) shall have 60representative, upon written application, may review pertinent documents, and may submit issues and comments in writing. The request must be addressed to the General Counsel of the Company at its then principal place of business. A Claimant must file such written request for review with the General Counsel within one-hundred-eighty (180) days (or inafter the casereceipt by the Claimant of a disability claim, 180 days)notice denying the initial claim or within one-hundred-eighty (180) days after the claim is deemed to be denied. Upon its receipt of notificationthe request for review, the General Counsel will notify the Company of the claim denial to request and the Company will appoint a reviewperson other than a member of the denial by making writtenCommittee to be the claims reviewer. Upon its receipt of the request tofor review, the Committee (the “Appeals Committee”), and may have reasonable access to and copies of documents, records and other information relevant tomust provide the claim upon request andClaimant, free of charge, and submit comments, documents, records and otheras soon as possible, any new or additional evidence considered or the rationale in connection with the Disability Claim. Such information relatedmust be provided in advance of the date on which the notice of the denial of the appeal is required to be provided, as discussed below in [Section 6.6(e)(i)], in order to give the Claimant a reasonable opportunity to respond prior to that date. The decision on review shall be rendered not later than forty-five (45) days after the Committee’s receipt of the Claimant’s request for review, unless special circumstances require an extension of time for processing, in which case the forty-five (45) day period may be extended to ninety (90) days if notice is provided to the claimClaimant in writing within such period. The claimant shall receive a review of all submitted comments, documents, records and other information related to the claim, regardless of whether the information was submitted or considered in the initial benefit determination.forty-five (45) day period stating the reason for the extension. If notice of the decision on the review is not furnished in accordance with this paragraph (ii), the claim will be deemed denied and the Claimant will be permitted to exercise his or her right to legal remedy pursuant to paragraph # of this [Section 6.6].

The claimant (or his or her duly authorized representative) shallwill have 60sixty days (or in the case of a disability claim, 180 days) after receipt of notification of the claim denial to request a review of the denial by making writtenthe 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 (the “Appeals Committee”), and may have reasonable access to and copies of documents, records and other information relevantwith respect to the claim uponreview must be given within sixty days after 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. The decision shall be written in a manner calculated to be understood by the claimant, and free of charge,it shall include specific reasons and submit comments, documents, records and other information relatedrefer to the claim in writing within such period. The claimant shall receive a review of all submitted comments, documents, records and other information relatedspecific Plan provisions as to the claim, regardless of whether the information was submitted or considered in the initial benefit determination.its effect.