Revised October 19, 2006

It is important that you read this document and the Online Privacy Policy before using the AtWork, ChoiceBenefits or InfoRoundtable systems. By using these systems, you agree to be bound by the terms and conditions set forth. The AtWork, ChoiceBenefits and InfoRoundtable systems are proprietary and confidential. They are designed for benefit provider and employee personal use, and you may not, nor may you permit others to transfer any materials or any copy to another party. The AtWork, ChoiceBenefits and InfoRoundtable systems are strictly for informational purposes only. Except for your personal, non-commercial, use, you may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer or sell any information, software, products or services obtained from the AtWork, ChoiceBenefits or InfoRoundtable systems.

DISCLAIMER: THE ATWORK, CHOICEBENEFITS AND INFOROUNDTABLE SYSTEMS ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF PERFORMANCE OR MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. YOU BEAR ALL RISK RELATING TO QUALITY AND PERFORMANCE OF THESE SYSTEMS.