Pension Summary Plan Description

14.5 Communications

Written communications to the Trustees or the Trust Customer Service Office, or to their agents or representatives, must be received before the expiration of any time period specified under the Plan, this Summary Plan Description ("SPD"), or any modifications to the Plan or this SPD. The records of the Trustees and the Trust Customer Service Office, and the records of their agents or representatives, will be conclusive as to whether a communication has been received and the date of such receipt, without regard to the common law "mailbox rule," unless the sender produces a United States Postal Service return receipt. The common law "mailbox rule" applies for all other purposes under the Plan and this SPD.