Common use of ERISA Rights Clause in Contracts

ERISA Rights. The Employee is entitled to certain rights and ------------ protections under ERISA. ERISA provides that all participants shall be entitled to: Examine, without charge, at the plan administrator's office and at other specified 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 descriptions. Obtain copies of all plan documents and other plan information upon written request to the plan administrator. The 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 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 or any other person, may fire you or otherwise discriminate against you in any way to prevent you from obtaining a benefit or exercising your rights under ERISA. Under ERISA, there are 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 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 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 a federal court. The court will decide who should pay court costs and legal fees. If you are successful, 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 administrator. If you have any questions about this statement or about your rights under ERISA, you should contact the nearest Area Office of the U.S. Labor-Management Services Administration, Department of Labor.

ERISA Rights. The Employee is As a participant in the Plan, you are entitled to certain rights and ------------ protections under ERISA. ERISA provides that all participants shall be entitled to: Examineexamine, without charge, charge at the plan administratorPlan Administrator's office and at other specified locationsoffice, all plan documents, including insurance contracts, and copies of all Plan documents filed by for the plan Plan with the U.S. U. S. Department of Labor, such as detailed annual reports reports, and plan descriptions. Obtain obtain copies of all plan Plan documents and other plan Plan information upon written request to the plan administratorPlan Administrator. The administrator 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 participantsPlan Participants, ERISA imposes duties obligations upon the people persons who are responsible for the operation of the employee benefit plan. The people who operate your 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 Your employer or any other person, may not fire you or otherwise discriminate against you in any way to prevent you from obtaining a benefit or exercising your rights under ERISAXXXXX. Under ERISA, there If you are 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 daysimproperly denied a benefit in full or in part, you may have a right to file suit in a 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 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 administratorPlan 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 Plan fiduciaries misuse are misusing the 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 a federal court. The court will decide who should pay court costs and legal fees. If you are successfulsuccessful in your lawsuit, the court may order may, if it so decides, require the person you have sued other party to pay those costs and 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 contact the Plan Administrator or the nearest Area Office of the U.S. U. S. Labor-Management Services Service Administration, Department of Labor.

ERISA Rights. The Employee is entitled to certain rights and ------------ protections under ERISA. ERISA provides that all participants shall be entitled to: Examine, without charge, at the plan administratorPlan Administrator's office and at other specified locations, all plan Plan documents, including insurance 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. Obtain copies of all plan Plan documents and other plan Plan information upon written request to the plan administratorPlan Administrator. The 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 your planPlan, 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 or any other person, may fire you or otherwise discriminate against you in any way to prevent you from obtaining a benefit or exercising your rights under ERISA. Under ERISA, there are steps you can take to enforce the above rights. For instance, if you request materials from the plan Plan 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 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 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 Plan fiduciaries misuse any of the planPlan'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 a federal court. The court will decide who should pay court costs and legal fees. If you are successful, 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 or the Bank. If you have any questions about this statement or about your rights under ERISA, you should contact the nearest Area Office of the U.S. Labor-Management Services Administration, Department of Labor.

ERISA Rights. The Employee is 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 participants Plan Participants shall be entitled to: Examine, without charge, at the plan administratorPlan Administrator's office and at other specified 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 descriptions. Obtain copies of all plan Plan documents and other plan Plan information upon written request to the plan administratorPlan Administrator. The administrator Administrator may make a reasonable charge for the copies. In addition to creating rights for plan participantsPlan Participants, ERISA imposes duties upon the people who are responsible for the operation of the employee benefit plan. The people who operate your planPlan, called "fiduciaries" of the plan", have a legal duty to do so prudently and in the interest of you and the other plan participants 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 severance benefit or exercising your rights under ERISA. If your claim for a severance benefit is denied in whole or part you must receive a written explanation of the reason for the denial. You have the right to have the Plan Administrator review and reconsider your claim. Under ERISA, there are steps you can take to enforce the above rights. : For instance, if you request materials from the plan Plan Administrator 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 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 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. 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 a federal court. The court will decide who should pay court costs and legal fees. If you are successful, successful the court may order the person you have sued to pay those 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 planPlan, you should contact the plan administratorPlan Administrator. If you have any questions about this statement or about your rights under ERISA, you should 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. The Employee is As a participant in the Plan, you are entitled to certain rights and ------------ protections under ERISA. ERISA provides that all participants shall be entitled to: Examineexamine, without charge, charge at the plan administrator's office and at other specified locationsPlan Administrator’s office, all plan documents, including insurance contracts, and copies of all Plan documents filed by for the plan Plan with the U.S. U. S. Department of Labor, such as detailed annual reports reports, and plan descriptions. Obtain obtain copies of all plan Plan documents and other plan Plan information upon written request to the plan administratorPlan Administrator. The administrator 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 participantsPlan Participants, ERISA imposes duties obligations upon the people persons who are responsible for the operation of the employee benefit plan. The people who operate your 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 Your employer or any other person, may not fire you or otherwise discriminate against you in any way to prevent you from obtaining a benefit or exercising your rights under ERISAXXXXX. Under ERISA, there If you are 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 daysimproperly denied a benefit in full or in part, you may have a right to file suit in a 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 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 administratorPlan 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 Plan fiduciaries misuse are misusing the plan's ’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 a federal court. The court will decide who should pay court costs and legal fees. If you are successfulsuccessful in your lawsuit, the court may order may, if it so decides, require the person you have sued other party to pay those costs and 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 this statement or your planrights under XXXXX, you should contact the plan administrator. If you have any questions about this statement Plan Administrator or about your rights under ERISA, you should contact the nearest Area Office of the U.S. U. S. Labor-Management Services Service Administration, Department of Labor.

ERISA Rights. The Employee is As a participant in the Plan, you are entitled to certain rights and ------------ protections under ERISA. ERISA provides that all participants shall be entitled to: Examineexamine, without charge, charge at the plan administrator's office and at other specified locationsPlan Administrator’s office, all plan documents, including insurance contracts, and copies of all Plan documents filed by for the plan Plan with the U.S. U. S. Department of Labor, such as detailed annual reports reports, and plan descriptions. Obtain obtain copies of all plan Plan documents and other plan Plan information upon written request to the plan administratorPlan Administrator. The administrator 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 participantsPlan Participants, ERISA imposes duties obligations upon the people persons who are responsible for the operation of the employee benefit plan. The people who operate your 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 Your employer or any other person, may not fire you or otherwise discriminate against you in any way to prevent you from obtaining a benefit or exercising your rights under ERISAEXXXX. Under ERISA, there If you are 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 daysimproperly denied a benefit in full or in part, you may have a right to file suit in a 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 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 administratorPlan 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 Plan fiduciaries misuse are misusing the plan's ’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 a federal court. The court will decide who should pay court costs and legal fees. If you are successfulsuccessful in your lawsuit, the court may order may, if it so decides, require the person you have sued other party to pay those costs and 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 this statement or your planrights under EXXXX, you should contact the plan administrator. If you have any questions about this statement Plan Administrator or about your rights under ERISA, you should contact the nearest Area Office of the U.S. U. S. Labor-Management Services Service Administration, Department of Labor.

ERISA Rights. The Employee is entitled to certain rights and ------------ protections under the Employment Retirement Income Security Act of 1974 ("ERISA"). ERISA provides that all participants shall be entitled to: Examine, without charge, at the plan administrator's administrators' office and at other specified 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 descriptions. Obtain copies of all plan documents and other plan information upon written request to the plan administrator. The 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 your plan, called "fiduciaries" of or 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 exercising your rights under ERISA. Under ERISA, there are 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 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 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 a federal court. The court will decide who should pay court costs and legal fees. If you are successful, 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 plan, you should contact the plan administrator. If you have any questions about this statement or about your rights under ERISA, you should contact the nearest Area Office of the U.S. Labor-Management Services Administration, Department of Labor.