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Disclaimer: This Benefit Guide provides a brief summary of the benefits available under the
Glacier Restaurant Group/Holman Enterprises Benefit Program. In the event of any discrep-
ancy(ies) between this summary and any Document, Insurance Contract or Certificate, the
Insurance Document(s) will prevail. Glacier Restaurant Group/Holman Enterprises retains
the right to modify or eliminate these benefits at any time and for any reason.