ii What happens if I terminate employment, commence required minimum distribution payments and then die before receiving all of my benefits? ................................ ................................ ................................ ................................ ........................... 9 ARTICLE IX TAX TREATMENT OF DISTRIBUTIONS What are my tax consequences when I receive a distribution from the Plan? ................................ ................................ .................... 10 Can I elect a rollover to reduce or defer tax on my distribution? ................................ ................................ ................................ ........... 10 ARTICLE X LOANS Is it possible to borrow money from the Plan? ................................ ................................ ................................ ................................ ......... 10 ARTICLE XI PROTECTED BENEFITS AND CLAIMS PROCEDURES Are my benefits protected? ................................ ................................ ................................ ................................ ................................ ......... 10 Are there any exceptions to the general rule? ................................ ................................ ................................ ................................ ......... 10 Can the Employer amend the Plan? ................................ ................................ ................................ ................................ ......................... 11 What happens if the Plan is discontinued or terminated? ................................ ................................ ................................ ...................... 1 1 How do I submit a claim for Plan benefits? ................................ ................................ ................................ ................................ .............. 11 What if my benefits are denied? ................................ ................................ ................................ ................................ ................................ 11 What is the claims review procedure? ................................ ................................ ................................ ................................ ...................... 12 What are my rights as a Plan Participant? ................................ ................................ ................................ ................................ ............... 14 What can I do if I have questions or my rights are violated? ................................ ................................ ................................ ................. 14 ARTICLE XII GENERAL INFORMATION ABOUT THE PLAN Plan Name ................................ ................................ ................................ ................................ ................................ ................................ .... 15 Plan Number ................................ ................................ ................................ ................................ ................................ ................................ . 15 Plan Effective Dates ................................ ................................ ................................ ................................ ................................ .................... 15 Other Plan Information ................................ ................................ ................................ ................................ ................................ ................ 15 Employer Information ................................ ................................ ................................ ................................ ................................ .................. 15 Plan Administrator Information ................................ ................................ ................................ ................................ ................................ ... 15