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Melissa J. Davey

Standing Chapter 13 Bankruptcy Trustee

260 Peachtree St N.W.

Suite 200

Atlanta, GA 30303

Disclaimer:

This benefit summary highlights key features of the Melissa J. Davey benefits program

and does not include all plan rules and details. The terms of your benefit plans are governed by legal

documents, including insurance contracts. Should there be any inconsistencies between this summary

and the legal plan documents, the plan documents are the final authority. Melissa J. Davey reserves

the right to change or discontinue its benefit plans at any time without prior advance notice.