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<br />comments in writing. The Administrator will review the claim and provide, within 60 days, a <br />written response to the appeal. (This period may be extended an additional 60 days under certain <br />circumstances.) In this response, the Administrator will explain the reason for the decision, with <br />specific reference to the provisions of the Plan on which the decision is based. The Administrator <br />has the exclusive right to interpret the appropriate plan provisions. Decisions of the <br />Administrator are conclusive and binding. <br /> <br />x <br />SUMMARY <br /> <br />The money you earn is important to you and your family. You need it to pay your bills, <br />enjoy recreational activities and save for the future. Our flexible benefits plan will help you keep <br />more of the money you earn by lowering the amount of taxes you pay. The Plan is the result of <br />our continuing efforts to find ways to help you get the most for your earnings. <br /> <br />If you have any questions, please contact the Administrator. <br /> <br />12 <br />