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Disclaimer: This Benefit Summary highlights key features of the Ramah Darom benefit program and does not include all
plan rules and details. The terms of the benefit plans are governed by legal documents, including insurance contracts.
Should there be any inconsistencies between this summary and the legal plan documents, the plan documents are the
final authority. Ramah Darom reserves the right to change or discontinue its benefit plans at any time and without any
prior advance notice.