Common use of Notice of Decision Clause in Contracts

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the this Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant Claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimantClaimant. The notification shall set forth: : (a) The the specific reasons for the denial; ; (b) A a reference to the specific provisions of the this Agreement on which the denial is based; ; (c) A a statement that the claimant Claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimantClaimant’s claim for benefits; and and (d) A a statement of the claimantClaimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial;, (b) A reference to the specific provisions of the Agreement on which the denial is based;, (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, to and copies of, of all documents, records records, and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; , and (d) A statement of the claimant’s right to bring a civil action under ERISA Section section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth:forth – (a) The specific reasons for the denial;, (b) A reference to the specific provisions of the Agreement on which the denial is based;, (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, to and copies of, of all documents, records records, and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; , and (d) A statement of the claimant’s right to bring a civil action under ERISA Section section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The A notification of denial shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the this Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s 's claim for benefits; and (d) A statement of the claimant’s 's right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant Claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimantClaimant. The notification shall set forth: : (ai) The the specific reasons for the denial; ; (bii) A a reference to the specific provisions of the this Agreement on which the denial is based; ; (ciii) A a statement that the claimant Claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimantClaimant’s claim for benefits; and and (div) A a statement of the claimantClaimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth:forth — (a) The specific reasons for the denial;, (b) A reference to the specific provisions of the Agreement on which the denial is based;, (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, to and copies of, of all documents, records records, and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; , and (d) A statement of the claimant’s right to bring a civil action under ERISA Section section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant Claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimantClaimant. The notification shall set forth: : (a) The the specific reasons for the denial; ; (b) A a reference to the specific provisions of the this Agreement on which the denial is based; ; (c) A a statement that the claimant Claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s Claimant's claim for benefits; and and (d) A a statement of the claimant’s Claimant's right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (ai) The specific reasons for the denial;, (bii) A reference to the specific provisions of the Agreement on which the denial is based;, (ciii) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; , and (div) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; ; (b) A reference to the specific provisions of the Agreement on which the denial is based; ; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s 's claim for benefits; and and (d) A statement of the claimant’s 's right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant Claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimantClaimant. The notification shall set forth: (ai) The specific reasons for the denial; (bii) A reference to the specific provisions of the Agreement Plan on which the denial is based; (ciii) A statement that the claimant Claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimantClaimant’s claim for benefits; and (div) A statement of the claimantClaimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the this Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s 's claim for benefits; and (d) A statement of the claimant’s 's right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records records, and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant Claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimantClaimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the Agreement on which the denial is based; (c) A statement that the claimant Claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimantClaimant’s claim for benefits; and (d) A statement of the claimantClaimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial;, (b) A reference to the specific provisions of the Agreement on which the denial is based;, (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, to and copies of, of all documents, records records, and other information relevant (as defined in applicable ERISA regulations) to the claimant’s 's claim for benefits; , and (d) A statement of the claimant’s 's right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the a denial; (b) A reference to the specific provisions of the this Agreement on which the a denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) 6.2.5.1 The specific reasons for the denial;, (b) 6.2.5.2 A reference to the specific provisions of the Agreement on which the denial is based;, (c) 6.2.5.3 A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; , and (d) 6.2.5.4 A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The A notification of denial shall set forth:: United Labor Bank, F.S.B. Performance Driven Plan (a) The specific reasons for the denial; (b) A reference to the specific provisions of the this Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial;, (b) A reference to the specific provisions of the Agreement on which the denial is based;, (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, to and copies of, of all documents, records records, and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; , and (d) A statement of the claimant’s right to bring a civil action under ERISA Section section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, of all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The If the Plan Administrator denies part or all of the claim, the notification shall set forth: (a) 6.2.5.1 The specific reasons for the denial;, (b) 6.2.5.2 A reference to the specific provisions of the Agreement on which the denial is based;, (c) 6.2.5.3 A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; , and (d) 6.2.5.4 A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the this Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).. Avenue Bank Supplemental Executive Retirement Plan Agreement

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall be set forthforth with: (a) The specific reasons for the denial;, (b) A reference to the specific provisions of the Agreement on which the denial is based;, (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; , and (d) A statement of the claimant’s right to bring a civil action under ERISA Section section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall be set forthforth with: (a) The specific reasons for the denial;, (b) A reference to the specific provisions of the Agreement on which the denial is based;, (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; , and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The If the claim is denied then the notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the this Agreement on which the denial is based;; and (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth:; (a) The specific reasons for the denial; (b) A reference to the specific provisions of the this Agreement on which the denial is based;; and (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the Agreement on which the denial is based;; OLD LINE BANK Salary Continuation Agreement (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial;, (b) A reference to the specific provisions of the Agreement on which the denial is based;, (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s =s claim for benefits; , and (d) A statement of the claimant’s =s right to bring a civil action under ERISA Section section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth:forth - (a) The specific reasons for the denial; , (b) A reference to the specific provisions of the Agreement on which the denial is based; , (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, to and copies of, of all documents, records records, and other information relevant (as defined in applicable ERISA regulations) to the claimant’s 's claim for benefits; and , and (d) A statement of the claimant’s 's right to bring a civil action under ERISA Section section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denialdecision; (b) A reference to the specific provisions of the this Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its the decision on reviewof the independent fiduciary. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant Claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimantClaimant. The notification shall set forth: : (a) The i)the specific reasons for the denial; ; (bii) A a reference to the specific provisions of the this Agreement on which the denial is based; ; (ciii) A a statement that the claimant Claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s Claimant's claim for benefits; and and (div) A a statement of the claimant’s Claimant's right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial;, (b) A reference to the specific provisions of the Agreement on which the denial is based;, (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, to and copies of, of all documents, records records, and other information relevant (as defined in applicable ERISA regulations) to the claimant’s 's claim for benefits; , and (d) A statement of the claimant’s 's right to bring a civil action under ERISA Section section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denialdecision; (b) A reference to the specific provisions of the this Agreement on upon which the denial decision is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the ------------------ claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; ; (b) A reference to the specific provisions of the Agreement on which the denial is based; ; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s 's claim for benefits; and and (d) A statement of the claimant’s 's right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth:forth - (a) The specific reasons for the denial;, (b) A reference to the specific provisions of the Agreement on which the denial is based;, (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, to and copies of, of all documents, records records, and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; , and (d) A statement of the claimant’s right to bring a civil action under ERISA Section section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s 's right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) 6.2.5.1 The specific reasons for the denial;, (b) 6.2.5.2 A reference to the specific provisions of the Agreement Plan on which the denial is based;, (c) 6.2.5.3 A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; , and (d) 6.2.5.4 A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).. THE FIRST NATIONAL BANK OF MIFFLINTOWN Second Amended and Restated Salary Continuation Agreement

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth:forth — (ai) The specific reasons for the denial;, (bii) A reference to the specific provisions of the Agreement on which the denial is based;, (ciii) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; , and (div) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant Claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimantClaimant. The notification shall set forth: : (a) The the specific reasons for the denial; ; (b) A a reference to the specific provisions of the this Agreement on which the denial is based; ; (c) A a statement that the claimant Claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) ), to the claimantClaimant’s claim for benefits; and and (d) A a statement of the claimantClaimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The A notification of denial shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the this Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the this Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).. BANK’34 Director Retirement Agreement

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA BRISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant Claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimantClaimant. The notification shall set forth: (aforth:(a) The the specific reasons for the denial; ; (b) A a reference to the specific provisions of the this Agreement on which the denial is based; ; (c) A a statement that the claimant Claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimantClaimant’s claim for benefits; and and (d) A a statement of the claimantClaimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant ------------------ in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; ; (b) A reference to the specific provisions of the Agreement on which the denial is based; ; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s 's claim for benefits; and and (d) A statement of the claimant’s 's right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth:forth - (a) The specific reasons for the denial;, (b) A reference to the specific provisions of the Agreement on which the denial is based;, (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, to and copies of, of all documents, records records, and other information relevant (as defined in applicable ERISA regulations) to the claimant’s 's claim for benefits; , and (d) A statement of the claimant’s 's right to bring a civil action under ERISA Section section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records records, and other 14 information relevant (as defined in applicable ERISA regulations) to the claimant’s 's claim for benefits; and (d) A statement of the claimant’s 's right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial;, (b) A reference to the specific provisions of the Agreement on which the denial is based;, (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s 's claim for benefits; , and (d) A statement of the claimant’s 's right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; , (b) A reference to the specific provisions of the this Agreement on which the denial is based; , (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s 's claim for benefits; and , and (d) A statement of the claimant’s 's right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify ------------------ the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial;, (b) A reference to the specific provisions of the Agreement on which the denial is based;, (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, to and copies of, of all documents, records records, and other information relevant (as defined in applicable ERISA regulations) to the claimant’s 's claim for benefits; , and (d) A statement of the claimant’s 's right to bring a civil action under ERISA Section section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; ; (b) A reference to the specific provisions of the Agreement on which the denial is based; ; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s 's claim for benefits; and and (d) A For Disability claims only, a statement of the claimant’s 's right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the this Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).. HOME FEDERAL BANK Third Amended and Restated Salary Continuation Agreement

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; ; (b) A reference to the specific provisions of the this Agreement on which the denial is based; ; and (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s 's claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other 116 information relevant (as defined in applicable ERISA regulations) to the claimant’s 's claim for benefits; and (d) A statement of the claimant’s 's right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; , (b) A reference to the specific provisions of the Agreement on which the denial is based; , (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s 's claim for benefits; and , and (d) A statement of the claimant’s 's right to bring a civil action under ERISA Section section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the this Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).. Harvard Savings Bank Salary Continuation Agreement

Notice of Decision. The Plan Administrator shall notify the claimant Claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimantClaimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the Agreement on which the denial is based; (c) A statement that the claimant Claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s Claimant's claim for benefits; and (d) A statement of the claimant’s Claimant's right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant Claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimantClaimant. The notification shall set forth: (ai) The specific reasons for the denial; (bii) A reference to the specific provisions of the Agreement Plan on which the denial is based; (ciii) A statement that the claimant Claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s Claimant's claim for benefits; and (div) A statement of the claimant’s Claimant's right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial;; PEOPLES FEDERAL MHC Salary Continuation Agreement (b) A reference to the specific provisions of the Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth:forth - (a) The specific reasons for the denial;, (b) A reference to the specific provisions of the Split Dollar Agreement on which the denial is based;, (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, to and copies of, of all documents, records records, and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; , and (d) A statement of the claimant’s right to bring a civil action under ERISA Section section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant Claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimantClaimant. The notification shall set forth: : (a) The the specific reasons for the denial; ; (b) A a reference to the specific provisions of the this Agreement on which the denial is based; ; (c) A a statement that the claimant Claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimantClaimant’s claim for benefits; and and (d) A a statement of the claimant’s Claimant's right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the Agreement on which the denial is is (c) based; (cd) A statement that the claimant is entitled to receive, upon request and free of charge, , (e) reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and (df) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s 's claim for benefits; and (d) A statement of the claimant’s 's right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the this Agreement on which the denial is based;; . (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s 's claim for benefits; and (d) A statement of the claimant’s 's right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth:forth - (a) The specific reasons for the denial; , (b) A reference to the specific provisions of the Agreement on which the denial is based; , (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s 's claim for benefits; and , and (d) A statement of the claimant’s 's right to bring a civil action under ERISA Section section 502(a).

Notice of Decision. The If the Plan Administrator denies part or the entire claim, the Plan Administrator shall notify the claimant in writing of its decision on reviewsuch denial. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) : The specific reasons for the denial; (b) ; A reference to the specific provisions of the this Agreement on which the denial is based; (c) ; A statement that description of any additional information or material necessary for the claimant to perfect the claim and an explanation of why it is entitled needed; An explanation of this Agreement's review procedures and the time limits applicable to receive, upon request such procedures; and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s 's right to bring a civil action under ERISA Section 502(a)) following an adverse benefit determination on review.

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined described in applicable ERISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).. THE FIRST NATIONAL BANK OF MIFFLINTOWN Amended and Restated Salary Continuation Agreement

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA ERJSA regulations) to the claimant’s 's claim for benefits; and (d) A statement of the claimant’s 's right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).. XXXXXX XXXXXXXXXXXX Supplemental Executive Retirement Agreement

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth:forth - (a) The specific reasons for the denial; , (b) A reference to the specific provisions of the Agreement on which the denial is based; , (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s 's claim for benefits; and , and (d) A statement of the claimant’s 's right to bring a civil action under ERISA Section section 502(a).. 283

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s 's claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA ER1SA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The In the event the claim is denied, then the notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the this Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant Claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimantClaimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the Agreement on which the denial is based; (c) A statement that the claimant Claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records records, and other information relevant (as defined in applicable ERISA regulations) to the claimantClaimant’s claim for benefits; and (d) A statement of the claimantClaimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) : The specific reasons for the denial; (b) ; A reference to the specific provisions of the this Agreement on which the denial is based; (c) ; A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s 's claim for benefits; and (d) and A statement of the claimant’s 's right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records records, and other information relevant (as defined in applicable ERISA regulations) to the claimant’s 's claim for benefits; and (d) A statement of the claimant’s 's right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the this Agreement on which the denial is based;; Supplemental Executive Retirement Agreement (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA BRISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA BRISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its the decision on reviewof the independent fiduciary. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s 's claim for benefits; and (d) A statement of the claimant’s 's right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; ; (b) A reference to the specific provisions of the this Agreement on which the denial is based; ; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s 's claim for benefits; and and (d) A statement of the claimant’s 's right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant Claimant in writing of its decision on review. , The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. Claimant The notification shall set forth: : (a) The the specific reasons for the denial; ; (b) A a reference to the specific provisions of the this Agreement on which the denial is based; ; (c) A a statement that the claimant Claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimantClaimant’s claim for benefits; and and (d) A a statement of the claimantClaimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall be set forth: forth with: (ai) The the specific reasons for the denial; ; (bii) A a reference to the specific provisions of the Agreement on which the denial is based; ; (ciii) A a statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and and (div) A a statement of the claimant’s right to bring a civil action under ERISA Section section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant Claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimantClaimant. The notification shall set forth: : (a) The the specific reasons for the denial; ; (b) A a reference to the specific provisions of the this Agreement on which the denial is based; ; (c) A a statement that the claimant Claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimantClaimant’s claim for benefits; and and (d) A a statement of the claimant’s Claimant’s· right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth:forth - (a) The specific reasons for the denial; , (b) A reference to the specific provisions of the Agreement on which the denial is based; , (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s 's claim for benefits; and , and (d) A statement of the claimant’s 's right to bring a civil action under ERISA Section section 502(a).. 293

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the Agreement on which the denial is based;; Split Dollar Life Insurance Agreement (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The A notification of denial shall set forth: (a) The specific reasons for the denial; ; (b) A reference to the specific provisions of the this Agreement on which the denial is based; ; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; and and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant Claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimantClaimant. The notification shall set forth: : (a) The the specific reasons for the denial; ; (b) A a reference to the specific provisions of the this Agreement on which the denial is based; ; (c) A a statement that the claimant Claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimantClaimant’s claim for benefits; and and (d) A a statement of the claimantClaimant’s right to bring a civil action under ERISA Section 502(a).. Page 10 of 15 Initials _____ _____

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth:forth — (a) 7.2.5.1 The specific reasons for the denial;, (b) 7.2.5.2 A reference to the specific provisions of the Agreement on which the denial is based;, (c) 7.2.5.3 A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; , and (d) 7.2.5.4 A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth:forth — (a) The specific reasons for the denial;, (b) A reference to the specific provisions of the Agreement on which the denial is based;, (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits; , and (d) A statement of the claimant’s right to bring a civil action under ERISA Section section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant Claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimantClaimant. The notification shall set forth: : (a) The the specific reasons for the denial; ; (b) A a reference to the specific provisions of the this Agreement on which the denial is based; ; (c) A a statement that the claimant Claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimantClaimant’s claim for benefits; and and (d) A a statement of the claimantClaimant’s right to bring a civil action under ERISA Section 502(a). Nothing contained herein is intended to limit the Executive’s right to bring a civil action under ERISA following exhaustion of the claims procedures set forth herein.

Notice of Decision. The Plan Administrator shall notify the claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The specific reasons for the denial; (b) A reference to the specific provisions of the Agreement on which the denial is based; (c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefitsbenefits ; and (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Plan Administrator shall notify the claimant Claimant in writing of its decision on review. The Plan Administrator shall write the notification in a manner calculated to be understood by the claimantClaimant. The notification shall set forth: ; (ai) The the specific reasons for the denial; ; (bii) A a reference to the specific provisions of the this Agreement on which the denial is based; ; (ciii) A a statement that the claimant Claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s Claimant's claim for benefits; and and (div) A a statement of the claimant’s Claimant's right to bring a civil action under ERISA Section 502(a).