Common use of ERISA Rights Clause in Contracts

ERISA Rights. As a participant in the Plan, you are entitled to certain rights and protections under the Employee Retirement Income Security Act of 1974 (ERISA). ERISA provides that all Plan participants shall be entitled to: (a) Examine, without charge, at the Plan Administrator's office and at other specified locations (such as worksites) all Plan documents, including insurance contracts and copies of all documents filed by the Plan with the U.S. Department of Labor, such as detailed annual reports and Plan descriptions. (b) Obtain copies of all Plan documents and other Plan information upon written request to the Plan Administrator. The Plan Administrator may make a reasonable charge for the copies. In addition to creating rights for Plan participants, ERISA imposes duties upon the people who are responsible for the operation of the employee benefit plan. The people who operate this Plan, called "fiduciaries" of the Plan, have a duty to do so prudently and in the interest of you and other Plan participants and beneficiaries. No one, including your employer, or any other person may fire you or otherwise discriminate against you in any way to prevent you from obtaining a benefit or from exercising your rights under ERISA. If your claim for a benefit is denied in whole or in part, you must receive a written explanation of the reason for the denial. You have the right to have the Plan reviewed and your claim reconsidered. Under ERISA, there are avenues you can take to enforce the above rights. For instance, you may file suit in a Federal court. In such a case, the court may require the Plan Administrator to provide the materials and pay you up to $100 a day until you receive the materials, unless the materials were not sent because of reasons beyond the control of the Plan Administrator. If you have a claim for benefits which is denied or ignored, in whole or in part, you may file suit in a state or Federal court. If it should happen that Plan fiduciaries misuse the Plan's money, or if you are discriminated against for asserting your rights, you may seek assistance from the U.S. Department of Labor, or you may file suit in Federal court. The court will decide who should pay court costs and legal fees. If you are unsuccessful, the court may order you to pay these costs and fees, for example, if it finds your claim is frivolous. If you have any questions about your Plan, you should contact the Plan Administrator. If you have any questions about this statement or about your rights under ERISA, you should 6 contact the nearest Area Office of the U.S. Labor--Management Services Administration, Department of Labor.

ERISA Rights. As a participant in the Plan, you are entitled to certain rights and protections under the Employee Retirement Income Security Act of 1974 (ERISA). ERISA provides that all Plan participants shall be entitled to: (a) Examineexamine, without charge, charge at the Plan Administrator's office and at other specified locations (such as worksites) ’s office, all Plan documents, including insurance contracts and copies of all documents filed by for the Plan with the U.S. U. S. Department of Labor, such as detailed annual reports reports, and Plan descriptions. (b) Obtain obtain copies of all Plan documents and other Plan information upon written request to the Plan Administrator. The Plan Administrator may make a reasonable charge for the copies. You are entitled to receive a summary of the Plan’s annual financial report. The Plan Administrator is required by law to furnish each Participant with a copy of this summary annual report. In addition to creating rights for Plan participantsParticipants, ERISA imposes duties obligations upon the people persons who are responsible for the operation of the employee benefit plan. The people who operate this Plan, called "These persons are referred to as “fiduciaries" of ” in the Plan, have a duty to do so prudently and law. Fiduciaries must act in the interest of you the Plan Participants and other Plan participants do so prudently. Fiduciaries who violate ERISA may be removed and beneficiariesrequired to make good any losses they have caused the Plan. No one, including your employer, or any other person Your employer may not fire you or otherwise discriminate against you in any way to prevent you from obtaining a benefit or from exercising your rights under ERISAEXXXX. If your claim for you are improperly denied a benefit is denied in whole full or in part, you must receive have a written explanation of the reason for the denial. You have the right to have the Plan reviewed and your claim reconsidered. Under ERISA, there are avenues you can take to enforce the above rights. For instance, you may file suit in a Federal federal or state court. In such a caseYou may also file suit in federal court if any Plan documents or any other materials you requested are not received within 30 days of your written request, and the court may require the Plan Administrator to provide the materials and pay you up to $100 a day for each day’s delay until you receive the materialsmaterials are received, unless the materials were not sent because of reasons failure was beyond the control of the Plan Administrator. If you have a claim for benefits which is denied or ignored, in whole or in part, you may file suit in a state or Federal court. If it should happen that Plan fiduciaries misuse are misusing the Plan's plan’s money, or if you are discriminated against for asserting your rights, you may seek have the right to file suit in federal court or request assistance from the U.S. U. S. Department of Labor, or you may file suit in Federal court. The court will decide who should pay court costs and legal fees. If you are unsuccessfulsuccessful in your lawsuit, the court may, if it so decides, require the other party to pay your legal costs, including attorney’s fees. If you lose, the court may order you to pay these costs and feesfees if, for example, if it finds your claim is frivolous. If you have any questions about your Plan, you should contact the Plan Administrator. If you have any questions about this statement or about your rights under ERISA, you should 6 contact the nearest Area Office of the U.S. Labor--Management Services Administration, Department of Labor.this

ERISA Rights. As a participant in the Planplan, you are entitled to certain rights and protections under the Employee Retirement Income Security Act of 1974 (ERISA). ERISA provides that all Plan participants shall be are entitled to: (a) Examine, : Examine without charge, at the Plan Administratoradministrator's office (Employee Benefits Department, 000 Xxxxxxx Xxxxxx, Xxxxxx, XX) and at other specified locations (such as worksites) Company locations, all Plan documents, including insurance contracts contracts, and copies of all documents filed by the Plan with the U.S. Department of Labor, such as detailed annual reports and Plan descriptions. (b) . Obtain copies of all Plan documents and other Plan information upon written request to the Plan Administratoradministrator. The Plan Administrator administrator may make a reasonable charge for the copies. (A duplication charge of $.25 per page is made for these copies). Receive a summary of the Plan's annual financial report. The Plan administrator is required by law to furnish each participant with a copy of this summary annual report. In addition to creating rights for Plan participants, ERISA imposes duties upon the people who are responsible for the operation of the employee benefit planEmployee Benefit Plan. The people who operate this Planyour plan, called "fiduciaries" of the Plan, have a duty to do so prudently and in the interest of you and other Plan participants and beneficiaries. No one, including your employer, or any other person person, may fire you or otherwise discriminate against you in any way to prevent you from obtaining a Plan benefit or from exercising your rights under ERISA. If your claim for a benefit is denied in whole or in part, you must receive a written explanation of the reason for the denial. You have the right to have the Plan reviewed administrator review and reconsider your claim reconsideredclaim. Under ERISA, there are avenues steps you can take to enforce the above rights. For instance, if you request materials and do not receive them within 30 days, you may file a suit in a Federal federal court. In such a case, the court may require the Plan Administrator administrator to provide the materials and pay you up to $100 a day until you receive the materials, unless the materials were not sent because of reasons beyond the control of the Plan Administratoradministrator. If you have a claim for benefits which is denied or ignored, in whole or in part, you may file suit in a state or Federal federal court. If it should happen that Plan fiduciaries misuse the Plan's money, or if you are discriminated against for asserting your rights, you may seek assistance from the U.S. Department of Labor, or you may file suit in Federal a federal court. The court will decide who should pay court costs and legal fees. If you are unsuccessfulsuccessful, the court may order the person you have sued to pay these costs and fees. If you lose (for example, if it finds your claim is frivolous), the court may order you to pay these costs and fees, for example, if it finds your claim is frivolous. If you have any questions about your Plan, you should contact the Plan Administratoradministrator. If you have any questions about this statement or about your rights under ERISA, you should 6 contact the nearest Area Office of the U.S. Labor---Management Services Administration, Department of Labor.

ERISA Rights. As a participant in the Plan, you are The Employee is entitled to certain rights and protections under the Employee Retirement Income Security Act of 1974 (ERISA). ERISA provides that all Plan participants shall be entitled to: (a) : Examine, without charge, at the Plan Administrator's office and at other specified locations (such as worksites) locations, all Plan documents, including insurance contracts contracts, and copies of all documents filed by the Plan with the U.S. Department of Labor, such as detailed annual reports and Plan descriptions. (b) . Obtain copies of all Plan documents and other Plan information upon written request to the Plan Administrator. The Plan Administrator administrator may make a reasonable charge for the copies. In addition to creating rights for Plan participants, ERISA imposes duties upon the people who are responsible for the operation of the employee benefit plan. The people who operate this your Plan, called "fiduciaries" of the Plan, have a duty to do so prudently and in the interest of you and other Plan participants and beneficiaries. No one, including your employer, employer or any other person person, may fire you or otherwise discriminate against you in any way to prevent you from obtaining a benefit or from exercising your rights under ERISA. If your claim for a benefit is denied in whole or in part, you must receive a written explanation of the reason for the denial. You have the right to have the Plan reviewed and your claim reconsidered. Under ERISA, there are avenues steps you can take to enforce the above rights. For instance, if you request materials from the Plan and do not receive them within 30 days, you may file suit in a Federal federal court. In such a case, the court may require the Plan Administrator to provide the materials and pay you up to $100 a day until you receive the materials, unless the materials were not sent because of reasons beyond the control of the Plan Administratoradministrator. If you have a claim for benefits which is denied or ignored, in whole or in part, you may file suit in a state or Federal federal court. If it should happen that Plan fiduciaries misuse any of the Plan's moneyassets, or if you are discriminated against for asserting your rights, you may seek assistance from the U.S. Department of Labor, or you may file suit in Federal a federal court. The court will decide who should pay court costs and legal fees. If you are unsuccessfulsuccessful, the court may order the person you have sued to pay those costs and fees. If you lose, the court may order you to pay these costs and fees, for example, if it finds your claim is frivolous. If you have any questions about your Plan, you should contact the Plan AdministratorAdministrator or the Bank. If you have any questions about this statement or about your rights under ERISA, you should 6 contact the nearest Area Office of the U.S. Labor---Management Services Administration, Department of Labor.

ERISA Rights. As a participant Participant in the Plan, Plan you are entitled to certain rights and protections under the Employee Retirement Income Security Act of 1974 (ERISA). ERISA provides that all Plan participants Participants shall be entitled to: (a) : Examine, without charge, at the Plan Administrator's office and at other specified locations (such as worksites) locations, all Plan documents, including insurance contracts and copies of all documents filed by the Plan with the U.S. Department of Labor, such as detailed annual reports and Plan plan descriptions. (b) . Obtain copies of all Plan documents and other Plan information upon written request to the Plan Administrator. The Plan Administrator may make a reasonable charge for the copies. In addition to creating rights for Plan participantsParticipants, ERISA imposes duties upon the people who are responsible for the operation of the employee benefit plan. The people who operate this your Plan, called "fiduciaries" of the Plan", have a legal duty to do so prudently and in the interest of you and the other Plan participants Participants and beneficiaries. No one, including your employer, employer or any other person person, may fire you or otherwise discriminate against you in any way to prevent you from obtaining a severance benefit or from exercising your rights under ERISA. If your claim for a severance benefit is denied in whole or in part, part you must receive a written explanation of the reason for the denial. You have the right to have the Plan reviewed Administrator review and reconsider your claim reconsideredclaim. Under ERISA, there are avenues steps you can take to enforce the above rights. : For instance, if you request materials from the Plan Administrator and do not receive them within 30 days, you may file suit in a Federal federal court. In such a case, the court may require the Plan Administrator to provide the materials and pay you up to $100 a day until you receive the materials, unless the materials were not sent because of reasons beyond the control of the Plan Administrator. If you have a claim for benefits which is denied or ignored, in whole or in part, you may file suit in a state or Federal federal court. If it should happen that Plan plan fiduciaries misuse the Planplan's money, or if you are discriminated against for asserting your rights, you may seek assistance from the U.S. Department of Labor, or you may file suit in Federal federal court. The court will decide who should pay court costs and legal fees. If you are unsuccessfulsuccessful the court may order the person you have sued to pay these costs and fees. If you lose, the court may order you to pay these costs and fees, for example, if it finds your claim is frivolous. If you have any questions about your Plan, you should contact the Plan Administrator. If you have any questions about this statement or about your rights under ERISA, you should 6 contact the nearest Area Office area office of the U.S. Labor---Management Services Administration, Department of Labor.. EXHIBIT A RELEASE, COVENANT NOT TO SUE, XXN-DISCLOSURE AND NON-SOLICITATION AGREEMENT

ERISA Rights. As a participant in the Plan, you are The Employee is entitled to certain rights and ------------ protections under the Employee Retirement Income Security Act of 1974 (ERISA). ERISA provides that all Plan participants shall be entitled to: (a) : Examine, without charge, at the Plan Administratorplan administrator's office and at other specified locations (such as worksites) locations, all Plan plan documents, including insurance contracts contracts, and copies of all documents filed by the Plan plan with the U.S. Department of Labor, such as detailed annual reports and Plan plan descriptions. (b) . Obtain copies of all Plan plan documents and other Plan plan information upon written request to the Plan Administratorplan administrator. The Plan Administrator administrator may make a reasonable charge for the copies. In addition to creating rights for Plan plan participants, ERISA imposes duties upon the people who are responsible for the operation of the employee benefit plan. The people who operate this Planyour plan, called "fiduciaries" of the Planplan, have a duty to do so prudently and in the interest of you and other Plan plan participants and beneficiaries. No one, including your employer, employer or any other person person, may fire you or otherwise discriminate against you in any way to prevent you from obtaining a benefit or from exercising your rights under ERISA. If your claim for a benefit is denied in whole or in part, you must receive a written explanation of the reason for the denial. You have the right to have the Plan reviewed and your claim reconsidered. Under ERISA, there are avenues steps you can take to enforce the above rights. For instance, if you request materials from the plan and do not receive them within 30 days, you may file suit in a Federal federal court. In such a case, the court may require the Plan Administrator plan administrator to provide the materials and pay you up to $100 a day until you receive the materials, unless the materials were not sent because of reasons beyond the control of the Plan Administratoradministrator. If you have a claim for benefits which is denied or ignored, in whole or in part, you may file suit in a state or Federal federal court. If it should happen that Plan plan fiduciaries misuse the Planplan's money, or if you are discriminated against for asserting your rights, you may seek assistance from the U.S. Department of Labor, or you may file suit in Federal a federal court. The court will decide who should pay court costs and legal fees. If you are unsuccessfulsuccessful, the court may order the person you have sued to pay those costs and fees. If you lose, the court may order you to pay these costs and fees, for example, if it finds your claim is frivolous. If you have any questions about your Planplan, you should contact the Plan Administratorplan administrator. If you have any questions about this statement or about your rights under ERISA, you should 6 contact the nearest Area Office of the U.S. Labor---Management Services Administration, Department of Labor.

ERISA Rights. As a participant in the Plan, you are The Employee is entitled to certain rights and protections under the Employee Retirement Income Security Act of 1974 (ERISA). ERISA provides that all Plan participants shall be entitled to: (a) : Examine, without charge, at the Plan Administrator's office and at other specified locations (locations, such as worksites, all documents governing the plan, including insurance contracts, and a copy of the latest annual report (Form 5500 series) all Plan documentsfiled by the plan with the U.S. Department of Labor, and available at the Public Disclosure Room of the Pension and Welfare Benefit Administration. Obtain upon written request to the plan administrator, copies of documents governing the operation of the plan, including insurance contracts and copies of all documents filed by the Plan with the U.S. Department of Labor, such as detailed latest annual reports and Plan descriptions. report (b) Obtain copies of all Plan documents and other Plan information upon written request to the Plan Administrator. The Plan Administrator may make a reasonable charge for the copiesForm 5500 Series). In addition to creating rights for Plan plan participants, ERISA imposes duties upon the people who are responsible for the operation of the employee benefit plan. The people who operate this Planyour plan, called "fiduciaries" of the Planplan, have a duty to do so prudently and in the interest of you and other Plan plan participants and beneficiaries. No one, including your employer, employer or any other person person, may fire you or otherwise discriminate against you in any way to prevent you from obtaining a benefit or from exercising your rights under ERISA. If your claim for a benefit is denied or ignored, in whole or in part, you must receive have a written explanation of the reason for the denial. You have the right to have know why this was done, to obtain copies of documents relating to the Plan reviewed decision without charge and your claim reconsideredto appeal any denial, all within certain time schedules. Under ERISA, there are avenues steps you can take to enforce the above rights. For instance, if you request a copy of the plan documents or the latest annual report and do not receive them within 30 days, you may file suit in a Federal court. In such a case, the court may require the Plan Administrator to provide the materials and pay you up to $100 110 a day until you receive the materials, unless the materials were not sent because of reasons beyond the control of the Plan Administratoradministrator. If you have a claim for benefits which is denied or ignored, in whole or in part, you may file suit in a state or Federal court. In addition, if you disagree with the plan's decision or lack thereof concerning the qualified status of a domestic relations order, you may file suit in a Federal court. If it should happen that Plan plan fiduciaries misuse the Planplan's money, or if you are discriminated against for asserting your rights, you may seek assistance from the U.S. Department of Labor, or you may file suit in a Federal courtCourt. The court will decide who should pay court costs and legal fees. If you are unsuccessfulsuccessful, the court may order the person you have sued to pay those costs and fees. If you lose, the court may order you to pay these costs and fees, for example, if it finds your claim is frivolous. If you have any questions about your Planplan, you should contact the Plan Administratorplan administrator. If you have any questions about this statement or about your rights under ERISAERISA or if you need assistance in obtaining documents from the Plan Administrator, you should 6 contact the nearest Area Office office of the U.S. Labor--Management Services Pension and Welfare Benefits Administration, U.S. Department of Labor listed in your telephone directory or the Division of Technical Assistance and Inquiries, Pension and Welfare Benefits Administration, U.S. Department of Labor, 200 Constitution Avenue, N.W., Washington, D.C. 20000."

ERISA Rights. As a participant in the Plan, you are The Employee is entitled to certain rights and protections under the Employee Employment Retirement Income Security Act of 1974 ("ERISA"). ERISA provides that all Plan participants shall be entitled to: (a) : Examine, without charge, at the Plan Administrator's plan administrators' office and at other specified locations (such as worksites) locations, all Plan plan documents, including insurance contracts contracts, and copies of all documents filed by the Plan plan with the U.S. Department of Labor, such as detailed annual reports and Plan plan descriptions. (b) . Obtain copies of all Plan plan documents and other Plan plan information upon written request to the Plan Administratorplan administrator. The Plan Administrator administrator may make a reasonable charge for the copies. In addition to creating rights for Plan plan participants, ERISA imposes duties upon the people who are responsible for the operation of the employee benefit plan. The people who operate this Planyour plan, called "fiduciaries" of or the Planplan, have a duty to do so prudently and in the interest of you and other Plan plan participants and beneficiaries. No one, including your employer, employer or any other person person, may fire you or otherwise discriminate against you in any way to prevent you from obtaining a benefit or from exercising your rights under ERISA. If your claim for a benefit is denied in whole or in part, you must receive a written explanation of the reason for the denial. You have the right to have the Plan reviewed and your claim reconsidered. Under ERISA, there are avenues steps you can take to enforce the above rights. For instance, if you request materials from the plan and do not receive them within 30 days, you may file suit in a Federal federal court. In such a case, the court may require the Plan Administrator plan administrator to provide the materials and pay you up to $100 a day until you receive the materials, unless the materials were not sent because of reasons beyond the control of the Plan Administrator. If you have a claim for benefits which is denied or ignored, in whole or in part, you may file suit in a state or Federal courtadministrator. If it should happen that Plan plan fiduciaries misuse the Planplan's money, or if you are discriminated against for asserting your rights, you may seek assistance from the U.S. Department of Labor, or you may file suit in Federal a federal court. The court will decide who should pay court costs and legal fees. If you are unsuccessfulsuccessful, the court may order the person you have sued to pay those costs and fees. If you lose, the court may order you to pay these costs and fees, for example, example if it finds your claim is frivolous. If you have any questions about your Planplan, you should contact the Plan Administratorplan administrator. If you have any questions about this statement or about your rights under ERISA, you should 6 contact the nearest Area Office of the U.S. Labor---Management Services Administration, Department of Labor.