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This Internet site is owned and operated by the Central Pension Fund of the International Union of Operating Engineers and Participating Employers (hereinafter “Central Pension Fund”). The materials on this Internet site may be downloaded for PERSONAL USE ONLY. The copying, reproduction, duplication, modification, distribution or disclosure of information contained on this site without the prior written approval of the Central Pension Fund is expressly prohibited. Improper access and use of this Internet site is also strictly prohibited and may subject an unauthorized user to criminal and civil penalties, including indemnification to the Central Pension Fund for losses or damages caused by such unauthorized use including, but not limited to, unauthorized uploading or posting of information and copyright infringement. The materials on this Internet site are provided for informational and educational purposes only. The content of these websites is not, and shall not be construed as, a promise of benefits. All benefits are governed by the terms of applicable plan documents as interpreted by the Board of Trustees. You may use this site to learn about the benefits provided by the Central Pension Fund. However, the Central Pension Fund does not warrant the accuracy or completeness of the information, Internet links, or other items contained on the site. Moreover, the Central Pension Fund expressly disclaims liability for errors or omissions in these materials, and disclaims all warranties, express or implied, including the implied warranties of merchantability and fitness for a particular purpose. In no event shall the Central Pension Fund, or any other third parties mentioned on this Internet site, be liable for any damages arising out of the use, inability to use, or the results of use of this site, any Internet sites linked to this site, or the materials or information contained on all such sites. The Central Pension Fund makes no commitment to update the information contained on this site and, as such, the information on this site is not guaranteed to be current. The Central Pension Fund has provided links to outside sites, but is not responsible for the content or the availability of these sites. The inclusion of such links is neither intended nor understood to constitute any implied or express approval or acceptance of the validity of the information contained on such sites. The information contained on this Internet site does not constitute financial or legal advice. You should not act (or refrain from acting) based upon information on this Internet site without obtaining professional advice regarding your particular facts and circumstances. The Central Pension Fund expressly disclaims all liability with respect to actions taken or actions not taken based on the content of this Internet site. The Central Pension Fund and any entities mentioned herein (including entities for which an Internet link is provided) expressly disclaim all liability for any losses, claims, injuries, or damages-whether direct, indirect, consequential, incidental or otherwise-arising from the use of any information contained on this Internet site. If any provision in this Disclaimer is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect to the fullest extent possible under the law.