ii What happens if I terminate employment due to disability? ........................................................................................................................... 9 In what method and form will my benefits be paid to me? ............................................................................................................................. 9 ARTICLE VIII DISTRIBUTIONS UPON DEATH What happens if I die while working for the Employer? ................................................................................................................................ 10 Who is the beneficiary of my death benefit? .................................................................................................................................................. 10 How will the death benefit be paid to my beneficiary? ................................................................................................................................... 11 When must the last payment be made to my beneficiary (required minimum distributions)? ........................................................................ 11 What happens if I terminate employment, commence payments and then die before receiving all of my benefits? ...................................... 11 ARTICLE IX TAX TREATMENT OF DISTRIBUTIONS What are my tax consequences when I receive a distribution from the Plan?................................................................................................. 11 Can I elect a rollover to reduce or defer tax on my distribution? .................................................................................................................... 12 ARTICLE X LOANS Is it possible to borrow money from the Plan? ............................................................................................................................................... 12 ARTICLE XI PROTECTED BENEFITS AND CLAIMS PROCEDURES Are my benefits protected? ............................................................................................................................................................................. 12 Are there any exceptions to the general rule? ................................................................................................................................................. 13 Can the Employer amend the Plan? ................................................................................................................................................................ 13 What happens if the Plan is discontinued or terminated? ............................................................................................................................... 13 How do I submit a claim for Plan benefits? .................................................................................................................................................... 13 What if my benefits are denied? ..................................................................................................................................................................... 14 What is the claims review procedure? ............................................................................................................................................................ 15 What are my rights as a Plan participant? ....................................................................................................................................................... 16 What can I do if I have questions or my rights are violated? .......................................................................................................................... 17 ARTICLE XII GENERAL INFORMATION ABOUT THE PLAN Plan Name ...................................................................................................................................................................................................... 17 Plan Number ................................................................................................................................................................................................... 17 Plan Effective Dates ....................................................................................................................................................................................... 17 Other Plan Information ................................................................................................................................................................................... 17 Employer Information .................................................................................................................................................................................... 18 Plan Administrator Information ...................................................................................................................................................................... 18 Plan Trustee Information and Plan Funding Medium ..................................................................................................................................... 18