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If a claim for benefits under the Pre-2005 Addendum is denied, in whole or in part, the Committee will provide a written notice of the denial within a reasonable period of time, but not later than 90 days after the claim is received. If special circumstances require more time to process the claim, the Committee will issue a written explanation of the special circumstances prior to the end of the 90 day period and a decision will be made as soon as possible, but not later than 180 days after the claim is received.

If a claim for benefits under the Pre-2005 AddendumPlan is denied, in whole or in part, the CommitteeBoard will provide a written notice of the denial within a reasonable period of time, but not later than 90 days after the claim is received. If special circumstances require more time to process the claim, the CommitteeBoard will issue a written explanation of the special circumstances prior to the end of the 90 day period and a decision will be made as soon as possible, but not later than 180 days after the claim is received.

If athe claim for benefits under the Pre-2005 Addendum is denied, in wholefull or in part, the Committee willshall provide a written notice within (90) days setting forth the specific reasons for denial, and any additional material or information necessary to perfect the claim, and an explanation of why such material or information is necessary, and appropriate information and explanation regarding the steps to be taken if a review of the denial within a reasonable period of time, but not later than 90 days after the claim is received. Ifdesired. However, if special circumstances require morean extension of the period of time to process thefor considering a claim, the Committee will issue a90-day period can be extended for an additional 90 days by giving the claimant written explanationnotice of the special circumstances prior toextension, the end ofreason why the 90 day periodextension is necessary, and the date a decision will be made as soon as possible, but not later than 180 days after the claim is received.expected.

IfDenial of Claim. In the case of the denial of a claim forrespecting benefits under the Pre-2005 Addendum is denied, in wholepaid or in part, the Committee will providepayable with respect to a Participant, a written notice will be furnished to the Claimant within 90 days of the denial withindate on which the claim is received by the Committee. If special circumstances (such as for a reasonable periodhearing) require a longer period, the Claimant will be notified in writing, prior to the expiration of time, but not later thanthe 90-day period, of the reasons for an extension of time; provided, however, that no extensions will be permitted beyond 90 days after the claim is received. If special circumstances require more time to process the claim, the Committee will issue a written explanationexpiration of the special circumstances prior to the end of the 90 initial 90-day period and a decision will be made as soon as possible, but not later than 180 days after the claim is received.period.

IfThe claimant may request a review of any denial of his or her claim by written application to the Committee within 60 days after receipt of the notice of denial of such claim. Within 60 days (or, if special circumstances require an extension of time for benefits underprocessing, 120 days, in which case notice of such special circumstances should be provided within the Pre-2005 Addendum is denied, in whole or in part,initial 60-day period) after receipt of written application for review, the Committee will provide a written notice of the denial within a reasonable period of time, but not later than 90 days afterclaimant with its decision in writing, including, if the claimant's claim is received. If special circumstances require more time to processnot approved, specific reasons for the claim, the Committee will issue a written explanation of the special circumstances priordecision and specific references to the end ofPlan provisions on which the 90 day period and a decision will be made as soon as possible, but not later than 180 days after the claim is received.based.

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