B. CLAIM DENIAL.

Under the Plan's procedure and as required by ERISA, if your claim for a pension benefit is denied in whole or in part, you will receive a written explanation including the specific reasons for the denial. You then have the right to have the Board of Trustees review and reconsider your claim. You also have the right to review a Plan policy, determination or action with which you disagree, by submitting a written appeal to the Board of Trustees.

To have your claim reviewed, however, you must file with the Plan Office a written appeal within 60 days of your receipt of the Board's initial denial of your claim or within 60 days after you learn of a Plan policy, determination or action with which you disagree and which is not a benefit denial.