Every effort has been made to ensure that the information in this Benefits Handbook is complete and accurate. However, if there is an inconsistency between any of the terms of the official plan documents or any SPD within this Benefits Handbook with regard to plan benefits, or legal compliance requirements under the Employee Retirement Income Security Act of 1974 (ERISA) or any other federal law, the applicable plan will be enforced consistent with the official plan documents.

The terms of the plans will also be enforced consistent with the official plan documents in the event of a conflict between the plan documents and any oral representation concerning plan benefits or legal compliance requirements.

Copies of all plan documents are available for review upon written request to the plan administrator. A copy of any of these documents will be furnished to a plan participant or beneficiary (or an authorized representative) upon request. A reasonable fee may be charged for the copies as permitted under ERISA.