This summary of benefits is not intended to be a complete description of the terms and Your Company insurance benefit plans. Please refer to the plan document(s) for a complete description. Each plan is governed in all respects by the terms of its legal plan document, rather than by this or any other summary of the insurance benefits provided by the plan. In the event of any conflict between a summary of the plan and the official document, the official document will prevail. Although Your Company maintains its benefit plans on an ongoing basis, Your Company reserves the right to terminate or amend each plan, in its entirety or in any part at any time.

For those whose employment is subject to a collective bargaining agreement, the terms of the applicable bargaining agreement shall control where there is conflict between a specific policy and/or guideline and the terms of the applicable collective bargaining agreement.