Appeal Procedures

9.05 -

• Any Participants (or Beneficiaries of deceased Participants) who believe that they are entitled to receive benefits under the Plan greater than that determined by the Trustees may, within 120 days after such determination, file an appeal in writing with the Trustees disputing their benefit entitlement.
• The Trustees shall, within 60 days after the receipt of an appeal, either approve or reject the appeal in writing. A rejection of an appeal shall be written in a manner that can be understood by the Participants and shall include:
• the specific reason or reasons for the rejection;
• specific reference to pertinent Plan provisions on which the rejection is based;
• a statement outlining additional material or information necessary to approve the appeal and why such material or information is necessary; and
• an explanation of the Plan's appeal procedures.
• Participants whose appeals are rejected (or their duly authorized representatives), within 60 days after receipt of rejection of their appeals:
• may request a review upon written request to the Board of Directors;
• may review pertinent documents; and
• may submit issues and comments in writing.
• The Board of Directors shall make its decision no later than 60 days after receipt of a request for review unless a greater period is agreed upon by the Participants and the Board of Directors. The decision on review shall be in writing and shall include specific reasons for the decision, written in a manner that can be understood by the Participants, and specific references to the pertinent Plan provisions on which the decision is based.