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                                                              ArcelorMittal

      SummaryPlanDescription

      Sickness and Accident Benefits
      For EligibleBargaining Unit Employees of
      ArcelorMittal
      (of the following current and former corporate entities):
                        . ISG Hennepin
                        . ISG Indiana Harbor
                        . ISG Cleveland
                        . ISG Warren
                        . ISG Riverdale
                        . ISG Burns Harbor
                                   .   ISG Sparrows Point
                                   .   ISGConshohocken
                                   .   ISG Coatsville
                                   .   ISG Steelton
                                   .   ISG Lackawanna
                                   .   ISG Georgetown

      Effective December 15, 2002,                      and

                                   .   ISG Weirton


      Effective May 18, 2004




      ArcelorMittal   USA Inc.
      ISG S and A Benefit   Plan                                     April,2008




'4;                                                                               -",   ..
                                                                                 ~
                                                                 ArcelorMittal
April 2008

Subj.: Sickness and Accident Benefit Plan Summary Plan Description

Dear ArcelorMittal Employee,

Enclosed is the current Summary Plan Description (SPD) for the ArcelorMittal Sickness and
Accident Benefit Plan for eligible bargaining unit employees of former ISG entities.

This SPD covers the sickness and accident benefits available to you when you become disabled
resulting from an illness, injury, or accident as established pursuant to the Agreement dated
December 15, 2002 between ArcelorMittal (formerly ISG) and the United Steelworkers of America.

Please retain this SPD for reference and informational purposes regarding your disability benefits.

Sickness and Accident Benefits
As a reminder, when you need to file a Sickness and Accident Benefit claim, you need to call 1-
888-596-7872. A Prudential/Nationwide Better Health claim service representative will take
information from you for your claim and then contact your physician to obtain the necessary
information about your disability. Please note that you must also report off to your department if
you miss work due to disability.

After completion of your "telephonic claim filing and a review of the corresponding medical
information" Prudential/Nationwide Better Health will send you a confirmation letter and notice that
your claim has or has not been approved for benefit payment under provisions of the Sickness and
Accident Benefit Plan. You will also receive follow-up notices about your claim on a periodic basis
as warranted by your disability.

Sickness and Accident Benefit payments are made to you through the regular Company payroll.
Benefit payments are processed through the regular pay cycle, and all applicable payroll
deductions (i.e., state and local taxes, optional life, etc.) will be taken.

A claim for Sickness and Accident Benefits can be filed by telephone with Prudential/Nationwide
Better Health 24 hours a day, 7 days a week, 365 days a year.


Sincerely,

Employee Benefits
ArcelorMittal




ArcelorMittal
3210 Watling Street
East Chicago. Indiana 46312
USA

www.arcelormittal.com
      Table of Contents
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      EligibiIity "''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''                                                                                                                                          1
      Filing a Sickness and Accident Benefit Claim                                                                                                        ""''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''                                                 1
      Amount of Benefits                                                                                                                                                                                                                                                                         1
      When Benefits Begin                                                                                                                                                                                                                                                                        1
      Duration of Benefits                                                                                                                                                                                                                         """'"''''''''''''''''''''''''                 2
      Red uction of Benefits                                                                                                                                                                                                                                                                     2
      SocialSecurity and Railroad Retirement                                                                                                                                                                                                                                                     2
      Transplant Donor Benefits                                                                                                                                                                                                                                                                  4
      Disability during Suspension ...... ... ...                                                                                                                                      ...                                                                                            .....,     4
      Termination of Coverage                                                                                                                                                                                                                                                                    4
      Administration of Benefits                                                                                                                                                                                                                                                                 5
      Third Party PhysicianReview                                                                                                                                                                                                                                                                5
      Claim Review and Appeal Process                                                                                                                                                                                                                                                            5




      ArcelorMittal USA Inc.
      ISG 5 and A Benefit Plan                                                                                                                                                                                                                                                     April, 2008




...
                               SICKNESSAND ACCIDENT BENEFIT PLAN

    Eligibility
    1.00     You are eligible for sickness and accident benefits if you have completed your
             probationary period and:

             (a) You become totally disabled asa result of an illness,injury, or accident so asto be
                 prevented from performing the duties of your employment and an authorized
                 provider certifies thereto. An "authorized provider," as defined under this plan,
                 is limited to a licensed medical doctor (M.D.), a licensed doctor of osteopathy
                 (D.O.), a licensed doctor of podiatric medicine (D.P.M.), or any provider
                 authorized by the mental health/substance abuse managed care administrator to
                 provide treatment, and operating within the scope of their license(s). Benefits
                 will not be payable for any period during which you are not under the care of an
                 authorized provider, or
             (b) Your absence is due to outpatient pre-admission testing prior to surgery if tests
                 are within five (5) days of the hospital confinement (unless such confinement is
                 delayed by the attending physician or the hospital) and the tests are not
                 repeated during confinement and you are not admitted to the hospital any earlier
                 than the day prior to the date of your surgery, or
             (c) You are the donor of an organ or tissue requiring surgical removal of the donated
                 part.

    Filing a Sickness and Accident Benefit Claim

    1.01     You will be required to file your sicknessand accident benefit claim with the sickness
             and accident claim administrator and provide information concerning your medical
             condition including the name, address, and telephone number of your authorized
             provider (attending physician) and the expected duration of absence. You will also
             be required to complete and return an authorization for the release of medical
             information regarding the disability for which you are claiming sicknessand accident
             benefits.

    1.02     In order for you to be eligible for benefits, your claim must be reported to the
             sickness and accident claim administrator within 21 days after your disability
             commences. This requirement will be waived upon showing of good and sufficient
             reason that you were unable to furnish such notice or have it furnished by someone
             else on your behalf.

    1.03      It is the intent of this provision to encourage prompt notice of your claim for
              sickness and accident benefits so that the evaluation of the claim, including any
              necessary investigation of medical and other factual aspects of it, can be made in an
              expeditious manner. It is not the intent of this provision that your claim be denied
              for failure to comply with the notice requirement if such failure did not interfere
              with the ability of the sickness and accident claim administrator to establish the
              medical and other factual aspects of the claim.

    Amount of Benefits

    1.04      The amount of weekly sickness and accident benefits for which you are eligible is
              equal to 60% of your base rate of pay for up to 40 hours per week. The weekly
              benefit amount will not exceed $400 per week.

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    ArcelorMittal USA Inc.
    ISG Sand A Benefit Plan                                                                April. 2008




l
    When Benefits Begin

    1.05     Sickness and accident benefits begin:

             (a) On the first (1st) day of disability as a result of an accident,
             (b) On the first (1st) day of inpatient hospitalization or outpatient surgery regardless
                 of cause, or
             (c) On the eight (8th) day of a disability resulting from an illness or injury when not
                 hospitalized.

    Duration of Benefits

    1.06     Sickness and accident benefits are payable according to the following schedule:

              (a) Not to exceed twenty-six     (26) weeks for employees with less than two (2)
                  years of continuous service,
              (b) Not to exceed fifty-two   (52) weeks for employees with two (2) or more years
                  of continuous service, and
              (c) One (1) day for outpatient pre-admission testing.

    1.07      Successive periods of disability separated by a period of continuous active
              employment with the Company of less than two (2) weeks will be considered to be
              one continuous period of disability, unless it is clear that they arise from unrelated
              causes.

    1.08      If you complete two (2) years of continuous service             after the start of one
              continuous period of disability and before the start of         a succeeding period of
              disability which is considered to be part of such continuous    period of disability under
              the foregoing provision, your benefits are payable for a       period not to exceed 52
              weeks for such continuous period of disability.

    Reduction of Benefits

    1.09      The amount of weekly sickness and accident benefits payable due to total disability
              from an illness, injury, or accident will be reduced by any weekly benefits that you
              are or could be entitled to receive during the period of your absence from work due
              to such disability pursuant to any workers' compensation or occupational diseaselaw
              or other similar applicable law. Payments under any such law for hospitalization or
              medical expenses or specific allowances for loss of members or disfigurements in
              excess of the portion of such allowances attributable to temporary total disability
              will not reduce the amount of your sicknessand accident benefits.

    1.10      If you are otherwise entitled to sickness and accident benefits and there is a dispute
              as to your entitlement to payments that you are making claim pursuant to any
              workers' compensation or occupational disease law or other similar applicable law,
              the sicknessand accident benefits will be paid in full if satisfactory arrangements are
              made to assure that any overpayment of sickness and accident benefits that may
              result by virtue of your successin pursuing such claim shall be reimbursed by you.
              Such arrangements shall include the execution by you of documents authorizing the
              deduction of any such overpayments from any payments becoming due as a result of
              such claim or from any amount payable to you by or on behalf of the Company,
              including benefits, wages, and pension payments.

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    ArcelorMittal USAInc.
    ISG 5 and A Benefit Plan                                                                   April, 2008




r
    Social Security and Railroad Retirement

    1.11            The amount of weekly sickness and accident benefits that you receive for each week
                    of disability will be reduced by the amount of any primary disability benefits or
                    unreduced primary old-age benefits under the SocialSecurity or RailroadRetirement
                    Act that you are entitled to receive or could become entitled to receive by making
                    proper applicationexcept that no reduction willbe made for:
                    (a) Primary old-age benefits for the first twenty-six (26) weeks of sickness and
                        accident benefits during anyone continuous period of disability,or
                    (b) Primarydisabilitybenefits if you willbe able to return to work within twelve (12)
                        months.
{


f   1.12            If your absence from work due to illness, injury, or accident is expected to continue
                    beyond week 15, you are required to apply for disability benefits under the Social
                    Security or Railroad Retirement Act prior to week 15 and provide proof that you
                    have filed for such benefit with the sickness and accident claimadministrator. If you
                    do not provide evidence of your filing for Social Security or Railroad Retirement
                    disabilitybenefits, the sickness and accident claimadministrator willassume that you
                    are receiving a benefit under the Social Security or Railroad Retirement Act, in an
                    estimated amount, and your sickness and accident benefits will be reduced by the
                    estimated Social Security or RailroadRetirement disability benefit until the sickness
                    and accident claim administrator is furnished a copy of your Social Security or
                    RailroadRetirement award so that it may determine the exact amount of reduction.
                    If, however, you are eligiblefor sickness and accident benefits for a period in excess
                    of 26 weeks and you furnish to the sickness and accident claimadministrator written
                    proof within the initial 15 weeks of disability that you have applied for disability
                    benefits under the SocialSecurity or RailroadRetirement Act and do not receive such
                    benefits when they are initiallydue, full weekly benefits will be continued until the
                    earlier of:

                    (a) The date such Social Security or Railroad Retirement disability benefits
                        commence, or
                    (b) The date 34 weeks of weekly benefits have been paid, provided you make
                        satisfactory arrangements with the sickness and accident claim administrator to
                        assure that any overpayment of weekly benefits which may result by reason of
                        receipt of Social Security or Railroad Retirement benefits will be repaid by you.
                        To be eligiblefor this arrangement you will be required to sign an agreement to
                        reimburse the sickness and accident claim administrator promptly upon receipt
                        of retroactive payment of Social Security or Railroad Retirement disability
t                       benefits and authorize deduction of such overpayment from any amount payable
                        to you or on behalf of the Company, including benefits, wages, and pension
                        payments. You will also be required to sign an authorization for the Social
J                       Security or RailroadRetirement Administrationto release relevant information to
                        the sickness and accident claimadministrator.

    1.13            In any event, you will be paid the full weekly benefit amount if you are not old
                    enough to qualifyfor an unreduced primary old-age benefit and:

                    (a) Youfurnish satisfactory evidence that in the judgment of an authorized provider
                        your condition is such that you will be able to return to work prior to the
                        expiration of 12 months from the commencement of your disability,or


                                                          3
    ArcelorMittal     USA Inc.
    ISG S and A Benefit     Plan                                                                 April,2008
                                                                                                        -

          (b) You have not been disabled for a period sufficient to qualify for Social Security
              or RailroadRetirement disabilitybenefits, or
          (c) You inform the sickness and accident claim administrator that your application
              for Social Security or Railroad Retirement disability benefits has been denied;
              however, weeklysicknessand accident benefits will be paid beyond34 weeks
              only if within four (4) weeks of the date of the denial letter you request
                              of
              reconsideration suchdenial.

          If you fail to request reconsideration of a denial within four (4) weeks of the date of
          the denial letter, sickness and accident benefits will not be paid beyond 34 weeks
          until Social Security or Railroad Retirement disability benefits have been awarded or
          your request for reconsideration has been denied. The sickness and accident claim
          administrator will notify you of your responsibility to apply for Social Security or
          Railroad Retirement disability benefits and to request reconsideration of any denial
          of such application on a timely basis.

1.14      The applicable Social Security or Railroad Retirement monthly disability benefit will
          be converted to its equivalent weekly (or daily) rate. If the Social Security or
          Railroad Retirement disability benefit ultimately determined is more or less than the
          amount of reduction (or Social Security or Railroad Retirement benefits are received
          for a period as to which no reduction was made), there will be a retroactive
          adjustment in the amount of your sickness and accident benefits, and you will be
          required to repay any overpayment or you will be paid any underpayment. You will
          be required to give any necessary authorization to permit deduction of any such
          overpayment from any amounts payable to you by or on behalf of the Company
          including benefits, wages, and pension payments.

1.15      In connection with the foregoing provisions,you may be required to furnish copies of
          relevant correspondence and documents.

1.16      You may obtain the services of an attorney to assist you in seeking reconsideration
          of, or appeal of denial of, Social Security or RailroadRetirement disability benefits. If
          you are subsequently awarded Social Security or Railroad Retirement disability
          benefits, any sickness and accident benefit overpayment that results willbe reduced
          by the attorney's       fees incurred in pursuing the appeal, but only by the amount of
          attorney's fees approved for payment by the Social Security or Railroad Retirement
          Administration.

Transplant Donor Benefits

1.17      If you are the donor of a human organ or tissue for transplant requiring surgical
          removal of the donated part, disability resulting in the surgical removal of such
          transplant will be deemed to be a disabilitydue to illness. In no event, however, will
          disability be considered to have commenced prior to the date of hospital
          confinement.

Disabilityduring Suspension
1.18      If during a suspension, that is not converted into discharge, you satisfy all the
          eligibility conditions for receipt of weekly sickness and accident benefits and,

          (a) You promptly notify the sickness and accident claim administrator of your
                disability, and

                                                    4

ArcelorMittal USA Inc.
ISG S and A Benefit Plan                                                                  April, 2008
             (b) If requested to do so, you report for examination to the medical department of
                 the plant or office where you work, or to such other physician as may be
                 designated by the Company or sickness and accident claim administrator (unless
                 you are unable to do so for good and sufficient reason),

             weekly sickness and accident benefits will be payable in accordance with paragraphs
             1.04 through 1.09, except that days during the suspension period will not count
             toward any applicable waiting period nor will benefits be paid for any days during the
             period of suspension.

    Termination of Coverage

    1.19      Sickness and accident benefit plan coverage terminates for:

              (a) Non-Occupational Disability - twelve (12) months from the end of the month
                  last worked if you have two (2) or more years of continuous service on the last
                  day worked and six (6) months from the end of the month last worked if you
                  have less than two (2) years of continuous service on the last day worked.
              (b) Occupational Disability - at the end of twelve (12) months following the month
                  last worked if you have two (2) or more years of continuous service on the last
                  day worked, or at the end of six (6) months following the month last worked if
                  you have less than two (2) years of continuous service on the last day worked.
              (c) Layoff - on the last day worked.
              (d) Suspension - on the date a suspension is converted to discharge.
              (e) Leave of Absence - end of month last worked.
              (f) Military Duty - thirty-first (31 st) day after last day worked.
              (g) Authorized Family and Medical Leave - on the expiration date of the authorized
                  leave.
              (h) Termination of Employment - date of such termination.

    Administration       of Benefits

    1.20      The payment of sickness and accident benefits is an obligation of the Company, but
              the Agreement with the Union permits the Company to provide the payment in
              accordance with a policy with an insurance company, provided that the policy
              complies with the Collective Bargaining Agreement and this Plan. In the typical case,
              such handling is routine and a claim is paid within two weeks after it is received by
              the sickness and accident claim administrator.    If a claim does not meet the criteria
              and standards set forth in accordance with paragraphs 1.00 and 1.01 for approval of
               benefit payment, the sickness and accident claim administrator will notify you of
              such action within two (2) weeks after the receipt of your claim. In reaching its
               decision, the sickness and accident claim administrator may take reasonable steps to
               investigate the medical and other factual aspects of the claim.

    Third Party PhysicianReview

    1.21      Where an employee provides written notice of proof of disability to the sicknessand
              accident claim administrator and any difference shall arise between the sicknessand
              accident claim administrator or Company and the employee as to whether such
              individual has submitted sufficient evidence to demonstrate that he/she is or
              continues to be totally disabled as a result of an illness,injury, or accident, so asto be
              prevented from performing the duties of their employment, the following dispute
              resolution processwill be utilized.

                                                      5
    ArcelorMittal USA Inc.
    ISG S and A Benefit Plan                                                                  April,2008




I
    1.22      The employee will be examined by a physician appointed by the Company for this
              purpose and by the employee's attending physician. If they disagree on whether the
              employee is totally disabled within the meaning of Section 1.00 above, the question
              shall be submitted to a third physician selected by or agreeable to the two physicians.
              The medical opinion of the third physician, after examination of the employee,
              review of all medical records relating to the disputed claim, and consultation with the
              other two physicians,shall decide such question.

    1.23      An employee's sickness and accident benefits will commence or continue to be paid,
              as the case may be, during the dispute resolution process. Any overpayment of
              sickness and accident benefits must be repaid by the employee in an amount not to
              exceed $50 per week.

    Claim Review and Appeal Process

    1.24      If you file a claim in accordance with the provisions of the sicknessand accident
              benefit plan,you will receive written notification from the sicknessand accident
              claim administrator that will tell you if your claim has been paid or denied, or if
              additional information is needed to processyour claim. If additional information is
              requested, it isyour responsibility to provide it, to the sicknessand accident claim
              administrator, so that your claim can be processed with the additional information. If
              your claim is denied, the written statement will tell you the reason for the denial and
              how you can have the decision reviewed.

              If you receive a written notice denying your claim for benefits in whole or in part,
              and you do not agree with such determination, you can have your claim reviewed. If
              you want your claim reviewed you must file a written request for review with the
              sicknessand accident claim administrator within 180 days after you received the
              written notice of denial of your claim for benefits. Such request must include the
              employee name andsocial security number. The request for review must be in
              writing, stating in clear and concise terms the reason or reasonsfor this
              disagreement with the handling of the claim. Submit written comments, documents,
              records, and other information relating to the claim.

              The review of the denial will be made by an appropriate named fiduciary that is
              neither the party who made the initial claim determination nor the subordinate of
              such party. The review will not defer to the initial claim determination and will take
              into account all comments, documents, records and other information submitted by
              you without regard to whether such information was previously submitted or relied
              upon in the initial determination. In upholding any denied claim that is appealed,
              which denial is based in whole or in part on a medicaljudgment, an appropriately
              qualified health care professional who is neither an individual who was consulted in
              connection with the denied claim that is the subject of the appeal nor the
              subordinate of any such individual shall be consulted.

              You will be notified of a decision on your request for review within 30 days after
              receipt and will be provided with written notification of the determination on review.
              If your claim is denied, you will be told the reason for the denial, the provisions of the
              sicknessand accident benefit plan on which the denial is based,the documents and
              information you can receive upon request, and what additional information is

                                                      6
    ArcelorMittal USA Inc.
    ISG S and A Benefit Plan                                                                   April.2008




I
                   needed, if any, that could change the decision. The notice willalso tell you how you
                   can appeal the decisionto the PlanAdministrator.

                   Ifyou want to appeal (in whole or in part) the decision made on your request for
                   review you must file a written appeal with the PlanAdministrator within 180 days
                   after you received the written notice of denial of your request for review of your
                   claim.Thisreview provisionwillallowyou to request from the sickness and accident
                   benefit plan a review of any claimfor benefits. Such request must include the
                   employee name and socialsecurity number. The request for review must be in
                   writing, stating in clear and concise terms the reason or reasons for this
".
                   disagreement with the handlingof the claim. Submit written comments, documents,
                   records, and other information relating to the claim.

....               The Plan Administrator will make the appealdetermination. The appeal determination
                   will not defer to the initialclaimdetermination or the determination on review and
                   willtake into account allcomments, documents, records and other information
                   submitted by you without regard to whether such information was previously
                       submittedor relied upon in the initial determination or the request for review.

                   Under normal circumstances, the Plan Administrator will render a decision on your
                   appeal within 30 days after receipt of your appeal. In all cases, the Plan
                   Administrator will provide you with written notification of the determination on
                   appeal. If your appeal is denied in whole or in part, you will be told the reason for the
                   denial, the provisions of the Plan on which the denial is based, the documents and
                   information you can receive upon request.

                       If it is necessary for you to communicate with the Plan Administrator,you should
                       submit your written comments or requests to the Plan Administrator, in care of
                       ArcelorMittal at the following address:

                                Plan Administrator
                                ArcelorMittal
                                Mail Code 7-550
                                3210 Watling Street
                                East Chicago, IN 46312




       Doc: ISG 5 and A Benefit Plan




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       ArcelorMittal     USA Inc.
       ISG S and A Benefit     Plan                                                                  April, 2008

				
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