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which such claim or action is based; provided, however, that, if the claimant commences an
Administrative Claim before the expiration of such 24 month period, the period for
commencing a Judicial Claim shall expire on the later of the end of the 24 month period and
the date that is three months after final denial of the claimant's Administrative Claim, such
that the claimant has exhausted the Plan's claims and appeals procedures. Any claim or
action that is commenced, filed or raised, whether a Judicial Claim or an Administrative
Claim, after expiration of such 24-month period (or, if applicable, expiration of the three-
month period following exhaustion of the Plan's claims and appeals procedures) shall be
time-barred. Filing or commencing a Judicial Claim before the claimant exhausts the
Administrative Claim requirements shall not toll the 24-month limitations period (or, if
applicable, the three-month limitations period).

PRIVACY OF HEALTH INFORMATION

The receipt, use and disclosure of protected health information by the Plan is governed by
regulations issued under HIPAA and the Health Information Technology for Economic and
Clinical Health Act. In accordance with these regulations, the Plan Administrator, certain
employees of the Plan and the Plan’s business associates may receive, use and disclose
protected health information in order to carry out payment, treatment and health care
operations under the Plan. These entities and individuals may use protected health
information for such purposes without your consent or written authorization. In addition,
your protected health information may be shared with the Plan Sponsor without your consent
or written authorization for administrative purposes. In the normal course, if your protected
health information is used or disclosed for any other purpose, your written authorization for
such use or disclosure will be required. See Appendix B, HIPAA PRIVACY & SECURITY OF
PROTECTED HEALTH INFORMATION, for more information.

CONTINUATION COVERAGE RIGHTS UNDER COBRA

When your eligibility for coverage in the Plan ends, you may have the right to COBRA
continuation coverage, which is a temporary extension of health coverage under the Plan.
This section generally explains COBRA continuation coverage, when it may become
available to you and your family, and what you need to do to protect the right to receive
it. When you become eligible for COBRA, you may also become eligible for other coverage
options that may cost less than COBRA continuation coverage.

The right to COBRA continuation coverage was created by a federal law, the Consolidated
Omnibus Budget Reconciliation Act of 1985 (“COBRA”). COBRA continuation coverage
can become available to you when you would otherwise lose your group health coverage. It
can also become available to other members of your family who are covered under the Plan
when they would otherwise lose their group health coverage. For additional information
about your rights and obligations under the Plan and under federal law, you should contact
your Employer.

You may have other options available to you when you lose group health coverage. For
example, you may be eligible to buy an individual plan through the Health Insurance

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