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“Disability” shall mean the executive’s complete and permanent inability to substantially perform his duties. Subject to the application of all applicable laws relating to disability in employment, if the Executive is absent from his duties for a period of at least 90 days, the Board may appoint a physician to determine if the executive is disabled; if the Executive disapproves of the board’s choice of a physician, he may appoint a physician of his own choice to determine if he is disabled; if the two physicians cannot agree, they will appoint a third physician who will then make a determination as to the executive’s disability.