Rules And Regulations

Assignment of Benefits

You may not assign or use as collateral any part of your account balance or any benefits you are entitled to from the Plan.

Loss of Benefits

If you do not meet the eligibility requirements as described in the section entitled "Eligibility", you will not be eligible for benefits from the Plan. You will be advised, in writing, of any denial of benefits and of any requirements which must be met for your claim to be approved.

Appeal for Denial of a Claim

If you are not satisfied with a decision regarding an application for benefits, you may appeal the decision to the Board of Trustees for review.

Your appeal must be made in writing within 60 days of the notification that your claim has been denied, requesting a review of your claim. Your appeal will be presented at the next Trustees meeting provided the appeal has been received at least 30 days before such meeting. You will be notified in writing of the Trustees decision regarding your appeal.

You may review all Plan documents and records relating to your benefits in connection with any appeal, and you may have a representative if you so desire.