H. PLAN EXCLUSIONS

The Plan and any HMO or PPO contain exclusions and exceptions for coverage. You should be aware of the Plan’s limitations, exclusions, co-payments and other facets of the Plan in which you may not receive full payment on a claim or reimbursement.

If you make a false statement to the Plan or other officials regarding the payment of benefits or other issues related to the Plan, you will be liable to the Plan for any benefits paid in reliance on such false statements or information, and any attorney fees and costs incurred in effecting recovery or which were incurred as a result of the false statement or information. This includes but is not limited to costs incurred by the Plan Office, reasonable attorney fees, and interest charges. The Plan may deduct any such fees and costs from any benefits otherwise payable to you, your estate or a beneficiary.