May, Dear Plan Participant,
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1 Summary of Material Modifications for the Esselte Group U.S. Retirement Income Plan Plan Number 011 of R. R. Donnelley & Sons Company (FEIN ) (Previously Plan Number 106 of Esselte Corporation) Dear Plan Participant, May, 2015 This letter is a Summary of Material Modifications ( SMM ) describing changes to the Summary Plan Description ( SPD ) previously distributed to you for the Esselte Group U.S. Retirement Income Plan (the Plan ) (Plan Number 011). If you need another copy of the SPD, copies can be reviewed or obtained at the website or by calling the RR Donnelley Pension Service Center at If you have any questions about the changes described in this summary, please call the Pension Service Center. Please note that this SMM does not discuss every change to the Plan but focuses on the material modifications that may affect participants. PART I: Recent Changes to the Plan New Plan Sponsor and Other Matters Related to Plan Governance The Plan was previously maintained by Esselte Corporation. As of March 25 th, 2014, Esselte Corporation was acquired by, and subsequently merged into, R. R. Donnelley & Sons Company ( Donnelley ). By virtue of this merger, Donnelley replaced Esselte Corporation as the sponsor of the Plan. As a result, all references to the Company in your SPD should now refer to Donnelley rather than Esselte Corporation. Additionally, Donnelley has amended the Plan to modify various administrative aspects of the Plan, including the fiduciaries responsible for administering the Plan. More specific changes to your SPD are described in Part II of this SMM below. Updating the Definition of Spouse and Marriage The Plan has recently amended the definition of Spouse and Marriage to reflect the holding of the U.S. Supreme Court in U.S. v. Windsor. That case requires that the Plan rules apply equally to participants who are married to persons of the same sex as participants who are married to persons of the opposite sex. Accordingly, the definitions of Spouse and Marriage have been amended so that all participants and their spouses who have been legally married under the laws of any jurisdiction with the authority to sanction marriages will receive the same rights under the Plan, regardless of whether they are of the same or opposite sex. Modification of Claims and Appeals Procedures The Plan has recently amended its claims and appeals procedures. In addition to submitting a claim for a benefit under the Plan, you may also submit a claim for a determination with respect to the Plan, including with respect to a matter that is or may be relevant to the amount of, or entitlement to, a benefit (at that time or in the future), and that such a claim is treated as a claim for benefits would be treated.
2 PART II: Corresponding Changes to the SPD Any provisions of the SPD provided to you that are inconsistent with the recent amendments and other changes described above must be ignored as being no longer accurate or must be read in a manner consistent with the changes. For example: (1) Important Definitions section is revised to include the following definitions: Marriage - The legal union between a participant and a person who thereby became the spouse of the participant. Spouse - A person who is legally married to a participant under the laws of any domestic or foreign jurisdiction that has the legal authority to sanction marriages. A former spouse is treated as a spouse to the extent provided under a qualified domestic relations order. (2) Introduction section, second sentence is revised to read as follows: R. R. Donnelley & Sons Company, and its participating affiliates, (the Company ) shares your concern and offers this Plan as one way to help you build a strong financial future. (3) Important Definitions section, definitions of Administrative Committee and Company are revised to read as follows: Administrative Committee The committee that administers the Plan. Company R. R. Donnelley & Sons Company, the Plan Sponsor and any participating affiliate. The participating affiliates are set forth under the Other Important Facts Section of this booklet. (4) Early Retirement section, last paragraph is revised to read as follows: If you are a former participant in The Dymo Employee Pension Plan and terminated employment with Esselte Corporation prior to January 1, 1990, the early retirement reduction factors listed above do not apply. (5) Other Termination of Employment section, second paragraph is revised to read as follows: If you have completed the necessary 5 Years of Vesting Service when you terminate employment with Esselte Corporation or the Company, you will normally be entitled to receive a monthly benefit commencing on your Normal Retirement Date. (6) Other Important Facts section, first sentence is revised to read as follows: R. R. Donnelley & Sons Company is the Plan Sponsor (the Plan Sponsor ). The Plan Sponsor s address, telephone number and federal employer identification number (EIN) are: 2
3 R. R. Donnelley & Sons Company c/o RR Donnelley Corporate Benefits, 37th Floor 35 W. Wacker Drive Chicago, IL Phone: (312) EIN: (7) Other Important Facts section, first bullet point is revised to read as follows: The Corporate Secretary of R.R. Donnelley & Sons Company has been designated as agent for service of legal process. Legal process may also be served on the Administrator and/or the Trustee. The Corporate Secretary and Administrator s contact information is as follows: Corporate Secretary R. R. Donnelley & Sons Company Corporate Benefits, 37th Floor 35 W. Wacker Drive Chicago, IL (312) Administrator of the Esselte Group Retirement Income Plan c/o RR Donnelley Corporate Benefits, 37th Floor 35 W. Wacker Drive Chicago, IL (312) (8) Other Important Facts section is revised to add an additional bullet points at the end of the section that read as follows: The Administrative Fiduciary of the Plan can be reached at: Administrative Fiduciary of the Esselte Group Retirement Income Plan c/o RR Donnelley Pension Service Center 3800 American Blvd West, Suite 400 Minneapolis, MN (866) The RR Donnelley Pension Service Center can be reached at: RR Donnelley Pension Service Center 3800 American Blvd West, Suite 400 Minneapolis, MN (866) rrdspdxpress.com 3
4 The Appeals Fiduciary of the Plan can be reached at: Appeals Fiduciary Administrative Subcommittee of the Benefits Committee of the Esselte Group Retirement Income Plan c/o RR Donnelley Corporate Benefits, 37th Floor 35 W. Wacker Drive Chicago, IL (312) (9) Your ERISA Rights and Information section, Receive Information About Your Plan and Benefits subsection is revised to read as follows: examine, without charge, at the Administrator s office and at other specified locations, such as worksites and union halls, all documents governing the Plan, including insurance contracts and collective bargaining agreements, and a copy of the latest annual report (Form 5500 Series) filed by the Plan with the U.S. Department of Labor and available at the Public Disclosure Room of the Employee Benefits Security Administration. obtain, upon written request to the Administrator, copies of documents governing the operation of the Plan, including insurance contracts and collective bargaining agreements, and copies of the latest annual report (Form 5500 Series) and updated summary plan description. The Administrator may make a reasonable charge for the copies. receive an annual funding notice. The Administrator is required by law to furnish each participant with a copy of this notice. obtain a statement telling you whether you have a right to receive a benefit at normal retirement date and, if so, what your benefit would be at normal retirement age if you stop working under the Plan now. If you do not have a right to a benefit, the statement will tell you how many years you have to work to get a right to a benefit. This statement is not required to be given more than once a year. The Plan must provide the statement free of charge. (10) Your ERISA Rights and Information section, Enforce Your Rights subsection, the third sentence of the second paragraph is revised to read as follows: In such a case, the court may require the Administrator to provide the materials and pay you up to $110 a day until you receive the materials, unless the materials were not sent because of reasons beyond the control of the Administrator. (11) Your ERISA Rights and Information section, Assistance With Your Questions subsection, the first two sentences are revised to read as follows: If you have any questions about the Plan, you should contact the Administrator. If you have any questions about this statement or about your rights under ERISA, or if you 4
5 need assistance in obtaining documents from the Administrator, you should contact the nearest office of the Employee Benefits Security Administration, U.S. Department of Labor, listed in your telephone directory or the Division of Technical Assistance and Inquiries, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue N.W., Washington, D.C (12) Your ERISA Rights and Information section, How do I make a claim for benefits? should be deleted. In its place, a new section entitled Inquiries, Claims and Appeals Procedures should be inserted immediately following the Other Important Facts section. The Inquiries, Claims and Appeals Procedures section reads as follows: Inquiries, Claims and Appeals Procedures General Information You can file a formal written claim at any time. However, most routine benefit problems such as eligibility are more easily and quickly handled by contacting the RR Donnelley Pension Service Center (the Pension Service Center ) online at rrdspdxpress.com or by phone at In fact, you may contact the Pension Service Center with any questions regarding your benefits or the Plan. However, except for general information, if you call the Pension Service Center they will ask you a few questions to confirm your identity. If you do not have your Login ID or password, you must allow additional time for these to be reestablished in accordance with our security procedures. If you disagree with an answer provided by the Pension Service Center or if the Pension Service Center provides an answer that is not satisfactory to you, you may submit an inquiry to the Benefit Inquiry Team. The Pension Service Center can provide you with an inquiry form and information on how to submit it. The Benefit Inquiry Team will review your inquiry as well as the Plan terms and all other relevant information from your file. This review normally takes less than 30 days. However, if the Benefit Inquiry Team needs to contact you to request more information, it may take up to 45 days, not counting any time while the Benefit Inquiry Team waits for your response. The Benefit Inquiry Team will contact you in writing and either (i) explain that it agrees with you and describe the action the Administrative Fiduciary will take to address your situation, or (ii) explain the reason it disagrees with you. If you are still unsatisfied with the response, or if you want to skip the inquiry process described above, you can file a formal written claim as explained below. The following claim review and claim appeal procedures apply to all formal claims of any nature related to the Plan. Procedure for Filing a Claim A communication from you ( claimant ) constitutes a valid claim if it is in writing on the appropriate claim form (or in such other manner acceptable to the Administrative Fiduciary) and is delivered (along with any supporting comments, documents, records, and other supporting information) to the Administrative Fiduciary at the address for the Administrative Fiduciary as provided in this SPD. You must deliver the claim form using one of the methods described below. Your filing must state that it is a formal claim under the Plan s claims and appeals procedures for a benefit or for a determination with 5
6 respect to the Plan, including with respect to a matter that is or may be relevant to the amount of, or entitlement to, a benefit (at that time or in the future). Otherwise, your filing may not be treated as a valid claim. If a claimant fails to properly file a claim under the Plan for a benefit or for a determination for a matter with respect to the Plan, he or she will be considered not to have exhausted all administrative remedies under the Plan, and this will result in his or her inability to bring a legal action for that benefit or with respect to that matter (see the Legal Action section for more information). Claims and appeals of denied claims may be pursued by a claimant or his or her authorized representative. Any notice or other communication that you send as an initial claim (as explained above) or as an appeal of a denied claim (as explained later, including under the Procedure for Filing an Appeal of a Denial subsection), or any other communication with regard to a claim or appeal must follow the rules explained in this SPD, including the following paragraph, as to how you must deliver the communication. The communication must be in writing. It can only be sent via messenger service, delivery service, or United States mail with first-class postage prepaid. In any of these cases, the communication must be sent to the Administrative Fiduciary at the address for the Administrative Fiduciary specified later in this SPD. Any communication will not be considered given unless you have written confirmation by the messenger or delivery service of delivery to the correct address, or return receipt or other written confirmation of delivery to the correct address from the United States Postal Service in the case of mail. Any communication given as described above will not be considered given until the time evidenced by the receipt or confirmation. Initial Claim Review The Administrative Fiduciary will conduct the initial claim review and consider the applicable terms, provisions, amendments, information, evidence presented, and any other information it deems relevant. In reviewing the claim, the Administrative Fiduciary will also consider and be consistent with prior determinations of similar claims from other claimants which have been processed through the Plan s claims and appeals procedures within the past 24 months. Initial Determination Timing of Notification on Initial Claim The Administrative Fiduciary will notify the claimant within a reasonable period of time, but in any event within 90 days after the Administrative Fiduciary receives the claim, unless the Administrative Fiduciary determines that special circumstances require an extension of time for processing. If the Administrative Fiduciary determines that an extension is required, written notice will be furnished to the claimant prior to the end of the initial 90-day period indicating the special circumstances requiring an extension of time and the date by which the Administrative Fiduciary expects to render the determination, which in any event will be within 90 days from the end of the initial 90-day period. 6
7 Manner and Content of Notification of Denied Claim The Administrative Fiduciary will provide the claimant with written or electronic notice of any denial, in accordance with applicable U.S. Department of Labor regulations. The notification will include: The specific reason or reasons for the denial; Reference to the specific Plan provision(s) on which the determination is based; A description of any additional material or information necessary for the claimant to perfect the claim, and an explanation of why such material or information is necessary; and A description of the Plan s review procedures and the time limits applicable to such procedures, including a statement that the claimant has the right to bring a civil action under Section 502(a) of ERISA with respect to the claimant s claim. Review of Initial Determination Procedure for Filing an Appeal of a Denial A claimant must bring any appeal of a denial to the Appeals Fiduciary within 60 days after he or she receives notice of the denial. If the claimant fails to appeal within the 60-day period, he or she will not be permitted to seek an appeal and he or she will have failed to have exhausted all administrative remedies under the Plan. This failure will result in the claimant s inability to bring a legal action to recover a benefit under the Plan or with respect to another matter with respect to the Plan. The claimant s request for an appeal must be in writing delivered to the Appeals Fiduciary using one of the methods described above under the Procedures for Filing a Claim subsection. A claimant s request for an appeal must be filed with the Appeals Fiduciary at the address for the Appeals Fiduciary specified later in the Other Important Information section of this SPD. Review Procedures for Denials The Appeals Fiduciary will provide a review that takes into account all comments, documents, records, and other information the claimant submits without regard to whether such information was submitted or considered in the initial determination. The Appeals Fiduciary will also consider and be consistent with prior determinations of similar claims from other claimants which have been processed through the Plan s claims and appeals procedures within the past 24 months. The claimant will have the opportunity to submit written comments, documents, records, and other information relating to the claim. The claimant will be provided, upon request and free of charge, reasonable access to and copies of all relevant documents. Timing of Notification of Determination on Review The Appeals Fiduciary will notify the claimant of the Appeals Fiduciary s decision within a reasonable period of time, but in any event within 60 days after the Appeals Fiduciary receives the claimant s request for review (unless the Appeals Fiduciary determines that special circumstances require an extension of time for processing the review of the adverse benefit determination). 7
8 If the Appeals Fiduciary determines that an extension is required, written notice will be furnished to the claimant prior to the end of the initial 60-day period indicating the special circumstances requiring an extension of time and the date by which the Appeals Fiduciary expects to render the determination on review, which in any event will be within 60 days from the end of the initial 60-day period. If such an extension is necessary due to the claimant s failure to submit the information necessary to decide the claim, the period in which the Appeals Fiduciary is required to make a decision will be tolled from the date on which the notification is sent to the claimant until the claimant responds to the request for additional information. If the claimant fails to provide the necessary information in a reasonable period of time, the Appeals Fiduciary may, in its discretion, make a determination on the claim. Manner and Content of Notification of Determination on Review The Appeals Fiduciary will provide a written or electronic notice of the Appeals Fiduciary s benefit determination on review, in accordance with applicable U.S. Department of Labor regulations. If your appeal is denied, the notification will set forth: The specific reason or reasons for the denial; Reference to the specific Plan provision(s) on which the determination is based; and A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to and copies of all relevant documents, including a statement that the claimant has the right to bring a civil action under Section 502(a) of ERISA with respect to the claimant s claim. Where benefits are provided pursuant to a collective bargaining agreement which contains provisions regarding the filing and disposition of claims and/or a grievance and arbitration procedure, then such procedures apply rather than the foregoing. Legal Action You cannot bring legal action to recover any benefit under the Plan or with respect to another matter with respect to the Plan if you do not file a valid claim and seek timely review of a denial of that claim and otherwise exhaust all administrative remedies under the Plan. In addition, no legal action may be brought after the later of (i) June 5, 2016 and (ii) two years after the later of: The day the Administrative Fiduciary first received the initial claim; or If the claimant received a denial of an appeal of such claim, the day of such receipt. Any legal action involving or related to the Plan, including but not limited to any legal action to recover any benefit under the Plan or with respect to another matter with respect to the Plan, must be brought in the United States District Court for the Northern District of Illinois, and no other federal or state court. With respect to any such legal action or any administrative proceeding related to a claim, regardless of whether such legal action or administrative proceeding is decided in your favor, you will not be entitled to recover any legal fees or expenses from the Plan, the Company, any employer, the Benefits Committee, the Administrator, any of their respective designees, allocatees, 8
9 officers, directors, trustees, employees or agents, or any other person with a right to indemnification from the aforementioned parties or individuals. (13) Your ERISA Rights and Information section, Is there any way I can lose Plan benefits? subsection is revised to read as follows: In general, your Accrued Benefit cannot be attached or paid to creditors or to anyone other than yourself. However, under federal law, the Administrator is required to obey a Qualified Domestic Relations Order. This is a decree or order issued by a court that satisfies certain requirements under the Internal Revenue Code. A Qualified Domestic Relations Order may require that all or a portion of your Accrued Benefit be paid to your spouse, former spouse, child or other dependent. The Administrator, in accordance with procedures set forth in the law, will determine the validity of any order received and will inform you upon the receipt of any such order affecting you. You may obtain, without charge, a copy of such procedures from the Administrator. (14) Your ERISA Rights and Information section, Should I be aware of any other aspects of the Plan? subsection, the first sentence of the last paragraph is revised to read as follows: For more information about the PBGC and the benefits it guarantees, ask the Administrator or contact the PBGC s Technical Assistance Division, 1200 K Street N.W., Suite 930, Washington, D.C or call (not a toll-free number). 9
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