Common use of Notice of Decision Clause in Contracts

Notice of Decision. The Company shall notify the claimant in writing of its decision on review. The Company 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 Company shall notify the claimant in writing of its decision on review. The Company 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 Company shall notify the claimant in writing of its decision on review. The Company 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 Plan 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 Company shall notify the claimant in writing of its decision on review. The Company 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 Company shall notify the claimant in writing of its decision on review. The Company 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 Plan 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 Company Administrator shall notify the claimant in writing of its decision on review. The Company 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 Company shall notify the claimant Claimant in writing of its decision on review. The Company 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 this 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 Company shall notify the claimant in writing of its decision on review. The Company 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 Company shall notify the claimant in writing of its decision on review. The Company 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 Company shall notify the claimant in writing of its decision on review. The Company 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 Plan 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 Company shall notify the claimant in writing of its decision on review. The Company 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 's claim for benefits; , and (d) 6.2.5.4 A statement of the claimant’s 's right to bring a civil action under ERISA Section 502(a502 (a).

Notice of Decision. The Company shall notify the claimant in writing of its decision on review. The Company 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 Company shall notify the claimant Claimant in writing of its decision on review. The Company 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 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 Company shall notify the claimant in writing of its decision on review. The Company 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 Plan 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(a502 (a).

Notice of Decision. The Company shall notify the claimant in writing of its decision on review. The Company 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).. Schedule A of the Agreement shall be deleted in its entirety and replaced by the attached Schedule A.

Notice of Decision. The Company shall notify the claimant in writing of its decision on review. The Company 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). Schedule A of the Agreement shall be deleted in its entirety.

Notice of Decision. The Company shall notify the claimant in writing of its decision on review. The Company 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 Company shall notify the claimant in writing of its decision on review. The Company 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); and (e) In the case of denial of a claim based upon Disability, a copy of any internal rule, guideline, protocol or similar criteria relied upon or a statement that such was relied upon and will be provided free of charge upon request.

Notice of Decision. The Company shall notify the claimant in writing of its decision on review. The Company 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 Company shall notify the claimant in writing of its decision on review. The Company 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 Plan 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 Company shall notify the claimant in writing of its decision on review. The Company 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). The Split Dollar Policy Endorsement shall be replaced by the attached Split Dollar Policy Endorsement.

Notice of Decision. The Company shall notify the claimant in writing of its decision on review. The Company shall write the notification in a manner calculated to be understood by the claimant. 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 Company shall notify the claimant in writing of its decision on review. The Company 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 Company shall notify the claimant in writing of its decision on review. The Company 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 Company shall notify the claimant Claimant in writing of its decision on review. The Company 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 Plan 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 , 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 Company shall notify the claimant in writing of its decision on review. The Company 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 Company shall notify the claimant Claimant in writing of its decision on review. The Company 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 Plan 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 Company shall notify the claimant in writing of its decision on review. The Company 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 Company shall notify the claimant in writing of its decision on review. The Company 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 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 Company shall notify the claimant in writing of its decision on review. The Company 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 Company shall notify the claimant Claimant in writing of its decision on review. The Company 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 Company shall notify the claimant Claimant in writing of its decision on review. The Company 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 Plan 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 '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 Company shall notify the claimant Claimant in writing of its decision on review. The Company 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 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)) after exhausting all administrative claims and review procedures in this Article VIII.

Notice of Decision. The Company shall notify the claimant Claimant in writing of its decision on review. The Company 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 this 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 Company shall notify the claimant in writing of its it decision on review. The Company 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 Company shall notify the claimant in writing of its decision on review. The Company 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 Plan 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(a502 (a).

Notice of Decision. The Company shall notify the claimant in writing of its decision on review. The Company 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 Split Dollar Agreement

Notice of Decision. The Company shall notify the claimant in writing of its decision on review. The Company shall write the notification in a manner calculated to be understood by the claimant. The If the Company's decision is to deny the claim in whole or part, 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 Company shall notify the claimant Claimant in writing of its decision on review. The Company 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 Plan 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 Company shall notify the claimant in writing of its decision on review. The Company shall write the notification in a manner calculated to be understood by the claimant. The notification shall set 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 Plan 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, 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) 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 Company shall notify the claimant Claimant in writing of its decision on review. The Company 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 this 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 , 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 Company shall notify the claimant Claimant in writing of its decision on review. The Company 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 this 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 Company shall notify the claimant in writing of its decision on review. The Company 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 Plan 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 Company shall notify the claimant in writing of its decision on review. The Company 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 Company shall notify the claimant in writing of its decision on review. The Company 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); and (e) In the case of denial of a claim based upon Disability, a copy of any internal rule, guideline, protocol or similar criteria relied upon or a statement that such was relied upon and will be provided free of charge upon request.

Notice of Decision. The Company shall notify the claimant in writing of its decision on review. The Company shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth:forth — (ai) The the specific reasons reason for the denial;, (bii) A a reference to the specific provisions of the Agreement Plan 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, 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 (div) A a statement of the claimant’s right to bring a civil action under ERISA Section section 502(a).

Notice of Decision. The Company shall notify the claimant in writing Claimant by written or electronic notification of its decision on review. The Company shall write the notification in a manner calculated to be understood by the claimantClaimant. The notification shall set forth: (a) The specific reason or reasons for the denial;, (b) A reference to the specific provisions of the Agreement Plan 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 Company shall notify the claimant in writing of its decision on review. The Company 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).. HEARTLAND NATIONAL BANK Split Dollar Plan

Notice of Decision. The Company shall notify the claimant in writing of its decision on review. The Company 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 Plan 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(a502 (a).

Notice of Decision. The Company shall notify the claimant in writing of its decision on review. The Company 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) 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(a502(x).

Notice of Decision. The Company shall notify the claimant in writing of its decision on review. The Company 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 regulationsregulation) 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 Company shall notify the claimant in writing of its decision on review. The Company 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 Plan 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 Company shall notify the claimant in writing of its decision on review. The Company 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).. Supplemental Life Insurance Agreement

Notice of Decision. The Company shall notify the claimant in writing of its decision on review. The Company 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 Company shall notify the claimant in writing of its decision on review. The Company 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 Plan 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 Company Corporation shall notify the claimant in writing of its decision on review. The Company Corporation 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 Amended and Restated Life Insurance 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 Company shall notify the claimant in writing of its decision on review. The Company 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 Company Administrator shall notify the claimant in writing of its decision on review. The Company 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).. 264

Notice of Decision. The Company shall notify the claimant in writing of its decision on review. The Company 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).. Article 7

Notice of Decision. The Company shall notify the claimant in writing of its decision on review. The Company 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 Company shall notify the claimant in writing of its decision on review. The Company 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 Plan 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 Section 502(a).

Notice of Decision. The Company shall notify the claimant in writing of its decision on review. The Company 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 Company shall notify the claimant in writing of its decision on review. The Company 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 Plan 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, 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 Company shall notify the claimant in writing of its decision on review. The Company 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).. HEARTLAND NATIONAL BANK Split Dollar Plan

Notice of Decision. The Company shall notify the claimant in writing of its decision on review. The Company 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;, (bj) A reference to the specific provisions of the Agreement Plan on which the denial is based;, (ck) 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 (dl) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Company shall notify the claimant in writing of its decision on review. The Company 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 Plan 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(a502 (a).

Notice of Decision. The Company shall notify the claimant in writing of its decision on review. The Company 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 Plan 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 Company shall notify the claimant in writing of its decision on review. The Company shall write the notification in a manner calculated to be understood by the claimant. The If the Company's decision is to deny the claim in whole or part, 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 Company shall notify the claimant in writing of its decision on review. The Company shall write the notification in a manner calculated to be understood by the claimant. The notification shall set 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 's claim for benefits; , and (d) 7.2.5.4 A statement of the claimant’s 's right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Company shall notify the claimant in writing of its decision on review. The Company 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, 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 Company shall notify the claimant in writing of its decision on review. The Company 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 Plan 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).. Article 7

Notice of Decision. The Company shall notify the claimant in writing of its decision on review. The Company 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 Plan 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) (d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The Company shall notify the claimant in writing of its decision on review. The Company 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 Plan 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 and other information relevant (as defined in applicable ERISA ERIAS regulations) to the claimant’s 's claim for benefits; and 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 Company shall notify the claimant in writing of its decision on review. The Company 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 Plan 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 Company shall notify the claimant in writing of its decision on review. The Company 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 Plan 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 Company shall notify the claimant in writing of its decision on review. The Company company 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;denials, (b) A reference to the specific provisions of the Agreement Plan 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 Holding Company shall notify the claimant in writing of its decision on the review. The Holding Company shall write the notification in a manner calculated to be understood by the claimant. The notification shall set forth: (a) The the specific reasons for the denial;, (b) A a reference to the specific provisions of the Agreement on which the denial is based;, (c) 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, (d) A a statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

Notice of Decision. The If the Company denies part or all of the claim, the Company shall notify the claimant in writing of its decision on reviewsuch denial. The Company 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 and free of charge, reasonable access tosuch procedures, 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 Company shall notify the claimant Claimant in writing of its decision on review. The Company 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 this 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).. COMMUNITY BANK OF TRI-COUNTY Salary Continuation Agreement

Notice of Decision. The Company shall notify the claimant in writing of its decision on review. The Company 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).. COMMUNITY BANK OF TRI-COUNTY Supplemental Life Insurance Agreement

Notice of Decision. The If the Company denies part or all of the claim, the Company shall notify the claimant in writing of its decision on reviewsuch denial. The Company 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 Plan 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 the Plan's review procedures and the time limits applicable to receive, upon request and free of charge, reasonable access tosuch procedures, 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.