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subrogation or reimbursement.

                   You and  your spouse or dependent child(ren) consent and agree that  you or they will not
                   assign your or their rights to settlement or recovery against a third person or party to any
                   other  party,  including  their  attorneys,  without  the  Plan’s  consent.  As  such,  the  Plan’s
                   reimbursement will not be reduced by attorneys’ fees and expenses without express written
                   authorization from the Employer.



               RECOUPMENT


                   The Plan has the right to recover any mistaken payment, any overpayment, any payment that
                   is made to any individual who was not eligible for that payment, or any payment that was
                   required to have been made to the Plan under the “Third Party Liability” section above.  The
                   Plan, or its designee, may withhold or offset future benefit payments, sue to recover such
                   amounts, or may use any other lawful remedy to recoup any such amounts.


               NO ASSIGNMENT OF BENEFITS


                   You cannot assign, pledge, encumber or otherwise alienate any legal or beneficial interest in
                   benefits  under  the  Plan,  including  the  right  to  seek  or  receive  benefits,  appeal  benefit
                   determinations, obtain Plan documents, or file any suit against the Plan or its fiduciaries, and
                   any attempt to do so will be void.  The payment of benefits directly to a health care provider,
                   if  any,  will  be  done  as  a  convenience  to  the  covered  person  and  will  not  constitute  an
                   assignment of benefits under the Plan. The payment of benefits directly to a health care or
                   other provider, if any, shall be done as a convenience to you and shall not make the provider
                   an assignee.  In no event shall any provider of benefits be a “participant” or “beneficiary”
                   under the Plan and no provider shall have standing under ERISA or the claims procedures of
                   this Plan. Neither the Employer nor the Plan shall be in any manner liable for, or subject to,
                   the  debts,  contracts,  liabilities,  engagements  or  torts  of  any  person  entitled  to  benefits
                   hereunder.


               QUALIFIED MEDICAL CHILD SUPPORT ORDER (QMCSO)

                   A QMCSO is a court order giving a child who otherwise might not be eligible for medical
                   coverage under the Plan a right to such coverage.  Normally, such an order is issued by the
                   court in connection with a divorce or separation.  Before your Employer will comply with a
                   QMCSO, it  must determine that  the court  order  meets  the requirements  of applicable law
                   pertaining to QMCSOs.  You will be notified if a court order relating to you is received by
                   your Employer and the procedure used by your Employer to determine whether the order is a
                   QMCSO.    You  may  receive  from  your  Employer,  without  charge,  a  copy  of  the  Plan’s
                   QMCSO procedures.










              DB1/ 115054502.5                                                                             20
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