ARTICLE 22

Group Insurance and Savings Plan

             The United Technologies Group Health Insurance Plan as it applies to employees described in Article 2 of this Agreement is set out in the following booklet: “Summary Plan Description – Medical Benefits for Hourly Paid Represented Employees”, which is attached to and made part of this Agreement as Appendix D.

            The United Technologies Group Dental Plan, Life Insurance Plan and Disability Plan as it applies to employees described in Article 2 of this Agreement is set out in a booklet entitled “Summary Plan Description – Dental, Life Insurance and Disability Benefits for Hourly Paid Represented Employees”, which is attached to and made part of this Agreement as Appendix E.

            The United Technologies Savings Plan as it applies to employees described in Article 2 of this Agreement is set out in the booklet captioned, "Summary Plan Description and Prospectus – Employee Savings Plan for Hourly Paid Represented Employees”, which is attached to and made a part of this Agreement as Appendix F.

            The changes and amendments in the Savings Plan agreed upon by the parties to this Agreement will, after approval by the Pension Administration and Investment Committee of the Company and the U.S. Internal Revenue Service, be attached to and made part of this Agreement.