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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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