This page states the terms and conditions under which you, the Website visitor (.You.) may use
this Website, which is owned by The Kiernan Companies. Please read this page carefully. By
using this Website, You agree to be bound by all the terms and conditions set forth below. If
You do not accept these terms and conditions, please do not use this Website. The Kiernan
Companies may, in its sole discretion, revise these terms and conditions at any time; therefore,
You should read this page periodically, before logging in, to review the Terms and Conditions
herein.

Use of Site Material
The contents of this Website, such as text, graphics, images and other content (see Site
Material) are protected by copyright under both United States and foreign laws. The Kiernan
Companies authorizes You to view and use the Site Material for your personal use.
Unauthorized use of the Site Material violates copyright, trademark and other laws. You agree
to retain all copyright and other proprietary notices contained in the original Site Material on
your copy you make of such material. You may not sell or modify our Site Material or
reproduce, display, distribute or otherwise use the Site Material in any way for any public or
commercial use. Use of the Site Material on any other website or in a network environment is
prohibited.

Trademarks
The names, marks and logos appearing included in the Site Material are, unless otherwise
noted, Trademarks owned by or licensed to The Kiernan Companies. The use of these
Trademarks, except as provided in these terms and conditions, is prohibited. From time to
time, The Kiernan Companies make fair use in this Website of Trademarks owned by or used
by third parties. The Kiernan Companies make no claim to ownership of those marks.

Limitation of Liability
The information on the Benefits Information Center is presented for illustrative purposes and is
based on information provided by your employer. The text contained in the Benefits
Information Center was taken from various summary plan descriptions and benefit information.
While every effort was taken to accurately report your benefits, discrepancies or errors are
always possible. In case of discrepancy between the Benefits Information Center and the actual
plan documents, the actual documents will prevail. If You have any questions about information
on the Benefits Information Center, contact Human Resources at your place of employment.

THE KIERNAN COMPANIES DOES NOT WARRANT THAT THE WEBSITE WILL OPERATE ERROR-FREE OR THAT THE WEBSITE AND ITS SERVER ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL MATERIAL. IF YOUR USE OF THE WEBSITE OR THE SITE.S MATERIAL RESULTS IN ANY COST OR EXPENSES, INCLUDING, WITHOUT LIMITATION, THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA, THE KIERNAN COMPANIES SHALL NOT BE RESPONSIBLE FOR THOSE COSTS OR EXPENSES. THIS WEBSITE AND ITS MATERIAL ARE PROVIDED ON AN .AS IS. BASIS WITHOUT ANY WARRANTIES OF ANY KIND. THE KIERNAN COMPANIES TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTY OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES RIGHTS, AND A WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE. ALTHOUGH THE KIERNAN COMPANIES STRIVES TO PROVIDE THOROUGH AND ACCURATE MATERIALS ON ITS SITE, WE MAKE NO WARRANTIES ABOUT THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF THE MATERIAL, SERVICES, SOFTWARE, TEXT, GRAPHICS, AND LINKS.

Disclaimer of Consequential Damages
IN NO EVENT SHALL THE KIERNAN COMPANIES, ITS AFFILIATES, OR ANY
THIRD PARTIES MENTIONED ON THE SITE BE LIABLE FOR ANY
DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION,
INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, LOST PROFITS
OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS
INTERRUPTION) RESULTING FROM THE USE OR INABILITY TO USE
MATERIAL ON THIS WEBSITE OR SITES LINKED TO THIS WEBSITE,
WHETHER BASED ON WARRANTY, CONTRACT, TORT OR ANY OTHER
LEGAL THEORY, AND WHETHER OR NOT THE KIERNAN COMPANIES IS
ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Links
This Website contains links to websites owned by third parties. These links are provided solely
as a convenience to You. The Kiernan Companies are not responsible for the content of any
linked site and makes no representations regarding the content or accuracy of materials on such
sites. If You decide to visit any third-party sites using links from this website, You do so at
your own risk.

Indemnity
By using this Website, You agree to defend, indemnify and hold harmless The Kiernan
Companies, its officers, directors, employees and agents, from and against any and all losses,
claims, damages, costs and expenses (including reasonable legal and accounting fees) that The
Kiernan Companies may become obligated to pay arising or resulting from your use of the Site
Material or your breach of these terms and conditions. The Kiernan Companies reserve the
right to assume or participate, at your own expense, in investigation, settlement and defense of
any such action or claim.