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The IBM Benefits Web site for new hires is intended to provide an overview of certain IBM plans and programs in which you may become eligible to participate. Complete details can be found in the formal plan documents, which remain the final authority and, in the event of a conflict with this Web site, shall govern in all cases. In no event will you become eligible for any IBM benefits until you actually become employed by IBM and meet the applicable eligibility criteria. The plan administrator retains exclusive authority and discretion to interpret the terms of the benefit plans and programs described herein.

IBM reserves the right, at its discretion, to amend, change or terminate any of its benefit plans, programs, practices or policies, as the company requires. Nothing contained in this IBM Benefits Web site for new hires shall be construed as creating an expressed or implied obligation on the part of IBM to maintain such benefits plans, programs, practices or policies.

Participation in any of the plans described in this IBM Benefits Web site for new hires is not a guarantee of continued employment with IBM or any of its affiliated companies. IBM and its affiliated companies do not endorse any medical plan option or provider, or represent or warrant the quality of care they provide. The decision to choose any health plan option or use any provider is the participant's responsibility.