Claim Procedure. If an Employee or former Employee makes a written request alleging a right to receive benefits under this Plan or alleging a right to receive an adjustment in benefits being paid under the Plan, the Committee shall treat it as a claim for benefit. All claims for benefit under the Plan shall be sent to the Committee and must be received within 30 days after termination of employment. If the Committee determines that any individual who has claimed a right to receive benefits, or different benefits, under the Plan is not entitled to receive all or any part of the benefits claimed, it will inform the claimant in writing of its determination and the reasons therefor in a manner calculated to be understood by the claimant. The notice will be sent within 60 days of the claim. The notice shall make specific reference to the reasons for denial and pertinent Plan provisions on which the denial is based, and describe any additional material or information necessary for the claim to succeed and a description of why it is necessary. Such notice shall, in addition, inform the claimant what procedure the claimant should follow to take advantage of the review procedures set forth below in the event the claimant desires to contest the denial of the claim. The claimant may within 90 days thereafter submit in writing to the Committee a notice that the claimant contests the denial of his claim by the Committee and desires a further review. The Committee shall within 60 days thereafter review the claim and authorize the claimant to appear personally and review pertinent documents and submit issues and comments relating to the claim to the persons responsible for making the determination on behalf of the Committee. The Committee will render its final decision with specific reasons therefor and in a manner calculated to be understood by the claimant, and will transmit it to the claimant within 60 days of the written request for review. If the Committee fails to respond to a claim filed in accordance with the foregoing within 60 days, the Committee shall be deemed to have denied the claim. This [Section 7.5] shall not serve to prohibit any Participant from bringing an action in a court of competent jurisdiction to enforce his rights under the

Claim Procedure. If an Employee or former Employee makes a written request alleging a right to receive benefits under this Plan or alleging a right to receive an adjustment in benefits being paid under the Plan, the Committee shall treat it as a claim for benefit. All claims for benefit under the Plan shall be sent to the Committee and must be received within 30 days after termination of employment. If the Committee determines that any individual who has claimed a right to receive benefits, or different benefits, under the Plan is not entitled to receive all or any part of the benefits claimed, it will inform the claimant in writing of its determination and the reasons therefor in a manner calculated to be understood by the claimant. The notice will be sent within 60 days of the claim. The notice shall make specific reference to the reasons for denial and pertinent Plan provisions on which the denial is based, and describe any additional material or information necessary for the claim to succeed and a description of why it is necessary. Such notice shall, in addition, inform the claimant what procedure the claimant should follow to take advantage of the review procedures set forth below in the event the claimant desires to contest the denial of the claim. The claimant may within 90 days thereafter submit in writing to the Committee a notice that the claimant contests the denial of his claim by the Committee and desires a further review. The Committee shall within 60 days thereafter review the claim and authorize the claimant to appear personally and review pertinent documents and submit issues and comments relating to the claim to the persons responsible for making the determination on behalf of the Committee. The Committee will render its final decision with specific reasons therefor and in a manner calculated to be understood by the claimant, and will transmit it to the claimant within 60 days of the written request for review. If the Committee fails to respond to a claim filed in accordance with the foregoing within 60 days, the Committee shall be deemed to have denied the claim. This [Section 7.5] shall not serve to prohibit any Participant from bringing an action in a court of competent jurisdiction to enforce his rights under the Plan after satisfaction of the foregoing procedures. Notwithstanding the foregoing, the claims and appeals procedure provided for in this [Section 7.5] will be provided for the use and benefit of Participants who may choose to use such procedures, but compliance with the provisions of these claims and appeals procedures will not be mandatory for any Participant claiming benefits after a Change in Control. It will not be necessary for any Participant to exhaust these procedures and remedies after a Change in Control prior to bringing any legal claim or action, or asserting any other demand, for payments or other benefits to which such participant claims entitlement.

Claim Procedure. The Committee procedure for handling all claims hereunder and review of denied claims shall be consistent with the provisions of ERISA. If an Employee or former Employee makes a written request alleging a right to receiveclaim for Plan benefits under this Plan or alleging a right to receive an adjustment in benefits being paid under the Plan,is denied, the Committee shall treat it asprovide a claim for benefit. All claims for benefit under the Plan shall be sentwritten notice within 90 days to the Committee and must be received within 30 days after termination of employment. If the Committee determines that any individual who has claimed a right to receive benefits, or different benefits, under the Plan is not entitled to receive all or any part ofperson claiming the benefits claimed, it will informthat contains the claimant in writing of its determination and the reasons therefor in a manner calculated to be understood by the claimant. The notice will be sent within 60 days of the claim. The notice shall make specific reference to the reasons for denial and pertinentthe denial, specific references to Plan provisions on which the Committee based its denial is based, and describe any additional material or information necessary for the claim to succeed and a description of why it is necessary. Such notice shall, in addition, informstatement that the claimant what procedure the claimant should follow to take advantage of themay # request a review procedures set forth below in the event the claimant desires to contest the denial of the claim. The claimant may within 90 days thereafter submit in writingupon written application to the Committee a notice that the claimant contests the denial of his claim by the Committee and desires a further review. The Committee shall within 60 days thereafter review the claim and authorize the claimant to appear personally anddays, # may review pertinent Plan documents and # may submit issues and comments relating to the claim to the persons responsible for making the determination on behalf of the Committee. The Committee will render its final decision with specific reasons therefor and in a manner calculated to be understood by the claimant, and will transmit it to the claimant within 60 days of the written request for review.writing. If the Committee fails to respond to a claim filed in accordance withis denied because of incomplete information, the foregoing within 60 days,notice shall also indicate what additional information is required. If additional time is required to make a decision on the claim, the Committee shall be deemed to have deniednotify the claim.claimant of the delay within the original 90 day period. This [Section 7.5] shallnotice will also indicate the special circumstances requiring the extension and the date by which a decision is expected. This extension period may not serve to prohibit any Participant from bringing an action in a courtexceed 90 days beyond the end of competent jurisdiction to enforce his rights under the first 90-day period.

Claim5.6Claim Procedure. The Committee procedure for handling all claims hereunder and review of denied claims shall be consistent with the provisions of ERISA. If an Employee or former Employee makes a written request alleging a right to receiveclaim for Plan benefits under this Plan or alleging a right to receive an adjustment in benefits being paid under the Plan,is denied, the Committee shall treat it asprovide a claim for benefit. All claims for benefit under the Plan shall be sentwritten notice within 90 days to the Committee and must be received within 30 days after termination of employment. If the Committee determines that any individual who has claimed a right to receive benefits, or different benefits, under the Plan is not entitled to receive all or any part ofperson claiming the benefits claimed, it will informthat contains the claimant in writing of its determination and the reasons therefor in a manner calculated to be understood by the claimant. The notice will be sent within 60 days of the claim. The notice shall make specific reference to the reasons for denial and pertinentthe denial, specific references to Plan provisions on which the Committee based its denial is based, and describe any additional material or information necessary for the claim to succeed and a description of why it is necessary. Such notice shall, in addition, informstatement that the claimant what procedure the claimant should follow to take advantage of themay # request a review procedures set forth below in the event the claimant desires to contest the denial of the claim. The claimant may within 90 days thereafter submit in writingupon written application to the Committee a notice that the claimant contests the denial of his claim by the Committee and desires a further review. The Committee shall within 60 days thereafter review the claim and authorize the claimant to appear personally anddays, # may review pertinent Plan documents and # may submit issues and comments relating to the claim to the persons responsible for making the determination on behalf of the Committee. The Committee will render its final decision with specific reasons therefor and in a manner calculated to be understood by the claimant, and will transmit it to the claimant within 60 days of the written request for review.writing. If the Committee fails to respond to a claim filed in accordance withis denied because of incomplete information, the foregoing within 60 days,notice shall also indicate what additional information is required. If additional time is required to make a decision on the claim, the Committee shall be deemed to have deniednotify the claim.claimant of the delay within the original 90 day period. This [Section 7.5] shallnotice will also indicate the special circumstances requiring the extension and the date by which a decision is expected. This extension period may not serve to prohibit any Participant from bringing an action in a courtexceed 90 days beyond the end of competent jurisdiction to enforce his rights under the first 90-day period.

Claim Procedure. If an EmployeeGeneral. Each Participant (and each person or former Employee makes a written request alleging a right to receive benefits under this Plan or alleging a right to receive an adjustment in benefits being paid under the Plan, the Committee shall treat it as a claim for benefit. All claims for benefitentity claiming rights under the Plan through such Participant) shall be sentclaim any benefit to which he or she is entitled under the Plan by a written notification to the Committee andCommittee. If a claim is denied, it must be receiveddenied within 30a reasonable period of time, but not in excess of 90 days after terminationfollowing receipt of employment. Ifthe claim by the Committee unless the Committee determines that any individual who has claimed a rightspecial circumstances require an extension of time for processing the claim, in which case, the Committee shall provide the claimant with written notice of extension prior to receive benefits, or different benefits, under the Plan is not entitled to receive all or any parttermination of the benefits claimed, it will informinitial 90 day period and shall have an additional 90 days from the expiration of the initial 90 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 decision with respect to such claim shall be provided to the claimant in writing of its determination and the reasons therefor in a manner calculated to be understood by the claimant. The notice will be sent within 60 days of the claim. The notice shall make specific reference to the reasons for denial and pertinent Plan provisions on which the denial is based, and describe any additional material or information necessary for the claim to succeed and a description of why it is necessary. Such notice shall, in addition, inform the claimant what procedure the claimant should follow to take advantage of the review procedures set forth below in the event the claimant desires to contest the denial of the claim. The claimant may within 90 days thereafter submit in writing to the Committee a notice that the claimant contests the denial of his claim by the Committee and desires a further review. The Committee shall within 60 days thereafter review the claim and authorize the claimant to appear personally and review pertinent documents and submit issues and comments relating to the claim to the persons responsible for making the determination on behalf of the Committee. The Committee will render its final decision with specific reasons therefor and in a manner calculated to be understood by the claimant, and will transmit itif such claim is denied, shall include # the specific reason for the denial, # reference to the specific Plan provisions on which the denial is based, # a description of additional information necessary for the claimant within 60 daysto present his claim, if any, and an explanation of why such information is necessary, and # an explanation of the written request forPlan’s claim review procedures and the time limits applicable to such procedures, including a statement of the claimant’s right to bring a civil action under [Section 502] of ERISA following an adverse determination on review. If the Committee fails to respond to a claim filed in accordance with the foregoing within 60 days, the Committee shall be deemed to have denied the claim. This [Section 7.5] shall not serve to prohibit any Participant from bringing an action in a court of competent jurisdiction to enforce his rights under the

Claim Procedure. If an Employeefiled in writing no later than 90 days after the date of retirement, termination or former Employee makes a written request alleging a right to receive benefits under this Plan or alleging a right to receive an adjustment in benefits being paid under the Plan, the Committee shall treat it as a claim for benefit. All claims for benefit under the Plan shall be sentother occurrence related to the Committee and must be received within 30complaint. Within 90 days after termination of employment. If the Committee determines that any individual who has claimed a right to receive benefits, or different benefits, under the Plan is not entitled to receive all or any part of the benefits claimed, itfiling of such claim, unless special circumstances require an extension of such period, such person will inform the claimantbe given notice in writing of its determination and the reasons therefor in a manner calculated to be understood by the claimant. The notice will be sent within 60 daysapproval or denial of the claim. TheIf the claim is denied, the notice shall make specific reference towill set forth the reasonsreason for denial and pertinentthe denial, the Plan provisions on which the denial is based, and describe any additionalan explanation of what other material or information necessary forinformation, if any, is needed to perfect the claim to succeedclaim, and a description of why it is necessary. Such notice shall, in addition, inform the claimant what procedure the claimant should follow to take advantagean explanation of the claims review procedures set forth below in the event the claimant desires to contest the denial of the claim.procedure. The claimant may within 90 days thereafter submit in writing to the Committeerequest a notice that the claimant contests thereview of such denial of his claim by the Committee and desires a further review. The Committee shall within 60 days thereafter review the claim and authorize the claimant to appear personally and review pertinent documents and submit issues and comments relating to the claim to the persons responsible for making the determination on behalf of the Committee. The Committee will render its final decision with specific reasons therefor and in a manner calculated to be understood by the claimant, and will transmit it to the claimant within 60 days of the writtendate of receipt of such denial by filing notice in writing with the Employee Relations Committee. The claimant will have the right to review pertinent Plan documents and to submit issues and comments in writing. The Employee Relations Committee will respond in writing to a request for review.review within 60 days of receiving it, unless special circumstances require an extension of such period. If the claimant does not request such a review or the Employee Relations Committee fails to respond to such a claim filedrequest for review in accordance withwriting, the foregoing within 60 days, the Committee shallrequest for review will be deemed to have been made and denied on the claim. This [Section 7.5] shall not serve120th day after the date of the initial denial. The Employee Relations Committee, in its discretion, may request a meeting to prohibitclarify any Participantmatters deemed appropriate. No action may be brought for benefits under this Plan pursuant to the denial of a claim, unless such claim was timely made under this Section and such complaint is filed on or before one year from bringing an action in a courtthe denial or deemed denial by the Employee Relations Committee of competent jurisdiction to enforce his rights under theany such claim upon review.

Claim Procedure.Claims Review Procedure: If an Employeeapplication filed by a Participant or former Employee makesBeneficiary under [Section 2.15] above shall result in a denial by the Committee of the benefit applied for, either in whole or in part, such applicant shall have the right, to be exercised by written request alleging a rightfiled with the Committee within sixty (60) days after receipt of notice of the denial of his application or, if no such notice has been given, within sixty (60) days after the application is deemed denied under [Section 2.15], for the review of his application and of his entitlement to receive benefits under this Plan or alleging a rightthe benefit for which he applied. Such request for review may contain such additional information and comments as the applicant may wish to receive an adjustment in benefits being paid under the Plan,present. Within sixty (60) days after receipt of any such request for review, the Committee shall treat itreconsider the application in light of such additional information and comments as the applicant may have presented, and if the applicant shall have so requested, shall afford the applicant a claim for benefit. All claims for benefit underhearing before the Committee. The Committee shall also permit the applicant or his designated representative to review pertinent documents in its possession, including copies of the Plan document and information provided by the Employer relating to the applicant's entitlement to such benefit. The Committee shall make a final determination with respect to the applicant's application for review as soon as practicable, and in any event not later am sixty (60) days after receipt of the aforesaid request for review, except that under special circumstances, such as the necessity for holding a hearing, such sixty-day period may be extended to the extent necessary, but in no event beyond the expiration of one hundred twenty (120) days after receipt by the Committee of such request. If such an extension of time for review is required because of special circumstances, written notice of the extension shall be sentfurnished to the Committee and must be received within 30 days after terminationapplicant before the commencement of employment. Ifthe extension. Notice of such final determination of the Committee determines that any individual who has claimed a rightshall be furnished to receive benefits, or different benefits, under the Plan is not entitled to receive all or any part of the benefits claimed, it will inform the claimantapplicant in writing of its determination and the reasons thereforwriting, in a manner calculated to be understood by him, and shall set forth the claimant. The notice will be sent within 60 daysspecific reasons for the decision and specific references to the pertinent provisions of the claim. The notice shall make specific reference to the reasons for denial and pertinent Plan provisions on which the denialdecision is based, and describe any additional material or information necessary forbased. If the claim to succeed and a description of why itdecision on review is necessary. Such notice shall, in addition, informnot furnished within the claimant what procedure the claimant should follow to take advantage of the review procedurestime period set forth below inabove, the event the claimant desires to contest the denial of the claim. The claimant may within 90 days thereafter submit in writing to the Committee a notice that the claimant contests the denial of his claim by the Committee and desires a further review. The Committee shall within 60 days thereafter review the claim and authorize the claimant to appear personally and review pertinent documents and submit issues and comments relating to the claim to the persons responsible for making the determination on behalf of the Committee. The Committee will render its final decision with specific reasons therefor and in a manner calculated to be understood by the claimant, and will transmit it to the claimant within 60 days of the written request for review. If the Committee fails to respond to a claim filed in accordance with the foregoing within 60 days, the Committee shall be deemed to have denied the claim. This [Section 7.5] shall not serve to prohibit any Participant from bringing an action in a court of competent jurisdiction to enforce his rights under theon review.

ClaimClaims Review Procedure. If an EmployeeWithin 60 days after a Participant or former Employee makesBeneficiary receives notice from the Committee that his or her claim for benefits has been denied in any respect, he may file with the Committee a written request allegingnotice of appeal setting forth his or her reasons for disputing the Committee’s determination. In connection with his or her appeal the Participant or Beneficiary or his or her representative may inspect or purchase copies of pertinent documents and records to the extent not inconsistent with other Participants’ and Beneficiaries’ rights of privacy. Within 60 days after receiving a rightnotice of appeal from a prior determination (or within 120 days, if special circumstances require an extension of time and written notice of the extension is given to receive benefits under this Planthe Participant or alleging a right to receive an adjustment in benefits being paid underBeneficiary and his or her representative within 60 days after receiving the Plan,notice of appeal), the Committee shall treat it as a claim for benefit. All claims for benefit under the Plan shall be sentfurnish to the CommitteeParticipant or Beneficiary and must be received within 30 days after termination of employment. If the Committee determines that any individual who has claimedhis or her representative, if any, a right to receive benefits, or different benefits, under the Plan is not entitled to receive all or any partwritten statement of the benefits claimed, it will inform the claimant in writing of its determination and the reasons therefor in a manner calculatedCommittee’s final decision with respect to be understood by the claimant. The notice will be sent within 60 days of the claim. The notice shall make specific reference tohis or her claim, including the reasons for denialsuch decision and pertinentthe particular Plan provisions onupon which the denial is based, and describe any additional material or information necessary for the claim to succeed and a description of why it is necessary. Such notice shall, in addition, inform the claimant what procedure the claimant should follow to take advantage of the review procedures set forth below in the event the claimant desires to contest the denial of the claim. The claimant may within 90 days thereafter submit in writing to the Committee a notice that the claimant contests the denial of his claim by the Committee and desires a further review. The Committee shall within 60 days thereafter review the claim and authorize the claimant to appear personally and review pertinent documents and submit issues and comments relating to the claim to the persons responsible for making the determination on behalf of the Committee. The Committee will render its final decision with specific reasons therefor and in a manner calculated to be understood by the claimant, and will transmit it to the claimant within 60 days of the written request for review. If the Committee fails to respond to a claim filed in accordance with the foregoing within 60 days, the Committee shall be deemed to have denied the claim. This [Section 7.5] shall not serve to prohibit any Participant from bringing an action in a court of competent jurisdiction to enforce his rights under thebased.

Claim Procedure. If an Employee or former Employee makesA Participant may file a claim with respect to amounts asserted to be due hereunder by filing a written request alleging a right to receive benefits under this Plan or alleging a right to receive an adjustment in benefits being paid under the Plan,claim with the Committee shall treat it as aspecifying the nature of such claim for benefit. All claims for benefit under the Plan shall be sent to the Committee and must be received within 30 days after termination of employment. If the Committee determines that any individual who has claimed a right to receive benefits, or different benefits, under the Plan is not entitled to receive all or any part of the benefits claimed, it will inform the claimant in writing of its determination and the reasons therefor in a manner calculated to be understood by the claimant. The notice will be sent within 60 days of the claim. The notice shall make specific reference to the reasons for denial and pertinent Plan provisions on which the denial is based, and describe any additional material or information necessary for the claim to succeed and a description of why it is necessary. Such notice shall, in addition, inform the claimant what procedure the claimant should follow to take advantage of the review procedures set forth below in the event the claimant desires to contest the denial of the claim. The claimant may within 90 days thereafter submit in writing to the Committee a notice that the claimant contests the denial of his claim by the Committee and desires a further review.detail. The Committee shall within 60 days thereafter review the claim and authorize the claimant to appear personally and review pertinent documents and submit issues and comments relating to the claim to the persons responsible for making the determination on behalf of the Committee. The Committee will render its final decision with specific reasons therefor and in a manner calculated to be understood by the claimant, and will transmit it tonotify the claimant within 60 days as to whether the claim is allowed or denied, unless the claimant receives written notice from the Committee prior to the end of the written request60 day period stating that special circumstances require an extension of time for review. Ifa decision on the Committee fails to respond to a claim filedclaim, in accordance withwhich case the foregoing within 60 days, the Committeeperiod shall be deemedextended by an additional 60 days. Notice of the Committee’s decision shall be in writing, sent by mail to have denied the claim. ThisParticipant’s last known address and, if the claim is denied, such notice shall # state the specific reasons for denial, # refer to the specific provisions of the Plan upon which such denial is based, and # if applicable, describe any additional information or material necessary to perfect the claim, an explanation of why such information or material is necessary, and an explanation of the review procedure in [Section 7.5] shall not serve to prohibit any Participant from bringing an action in a court of competent jurisdiction to enforce his rights under the8.4(b)].

Claim Procedure. If an EmployeeA Participant or former Employee makeshis or her beneficiary (if applicable) may file a written request alleging a rightclaim with the Committee with respect to his or her rights to receive benefits under this Plan or alleging a right to receive an adjustment in benefits being paid underbenefit from the Plan,Plan. The Participant will be informed of the decision of the Committee shall treat it as a claim for benefit. All claims for benefit under the Plan shall be sentwith respect to the Committee and must be receivedclaim within 3090 days after termination of employment. Ifit is filed. Under special circumstances, the Committee determines thatmay require an additional period of not more than 90 days to review a claim. If this occurs, the Participant will be notified in writing as to the length of the extension, the reason for the extension, and any individual who has claimedother information needed in order to process the claim. If a right to receive benefits, or different benefits, under the PlanParticipant is not entitled to receive allnotified within the 90-day (or 180-day, if so extended) period, he or any part of the benefits claimed, it will inform the claimant in writing of its determination and the reasons therefor in a manner calculated to be understood by the claimant. The notice will be sent within 60 days of the claim. The notice shall make specific reference to the reasons for denial and pertinent Plan provisions on which the denial is based, and describe any additional material or information necessary forshe may consider the claim to succeed and a description of why it is necessary. Such notice shall, in addition, inform the claimant what procedure the claimant should follow to take advantage of the review procedures set forth below in the event the claimant desires to contest the denial of the claim. The claimant may within 90 days thereafter submit in writing to the Committee a notice that the claimant contests the denial of his claim by the Committee and desires a further review. The Committee shall within 60 days thereafter review the claim and authorize the claimant to appear personally and review pertinent documents and submit issues and comments relating to the claim to the persons responsible for making the determination on behalf of the Committee. The Committee will render its final decision with specific reasons therefor and in a manner calculated to be understood by the claimant, and will transmit it to the claimant within 60 days of the written request for review. If the Committee fails to respond to a claim filed in accordance with the foregoing within 60 days, the Committee shall be deemed to have denied the claim. This [Section 7.5] shall not serve to prohibit any Participant from bringing an action in a court of competent jurisdiction to enforce his rights under thedenied.