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1. Terms and Conditions

These "TERMS AND CONDITIONS" govern and control your use of this website. By accessing
this website, you acknowledge that you have read and agree to abide by the terms described
below. If you do not agree to these "Terms and Conditions," you may not use this website. Your
continued use of the website will signify your continued agreement to these "Terms and
Conditions," as they may be modified.

2. Reliance on Plan Documents

This website is intended to assist the participants and beneficiaries of California's Valued Trust
("CVT" or "Trust") that is administered by CVT. All information concerning CVT and the rights
of participants and beneficiaries thereunder are governed and controlled exclusively by the plan
documents for CVT. Nothing on this website is meant to amend, modify, extend or change in
any way the provisions described in the plan documents. In a conflict between the plan
documents and this website, the plan documents will control. The Directors of CVT, in their
discretion, reserve the right to amend, modify, reduce, discontinue, or terminate all or part of
CVT's benefit plans at any time.

3. Accuracy and Integrity of Information

THIS WEBSITE AND ITS CONTENT AND ALL SITE-RELATED SERVICES ARE
PROVIDED "AS IS," WITH ALL FAULTS, WITH NO REPRESENTATIONS OR
WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE MAY CHANGE
THE INFORMATION ON THIS WEBSITE WITHOUT NOTICE IN ORDER TO CORRECT
IT OR KEEP IT UP TO DATE.

HOWEVER, WE CANNOT ASSUME RESPONSIBILITY FOR TYPOGRAPHICAL
ERRORS, INACCURACIES OR OTHER OMISSIONS IN THE INFORMATION
PRESENTED, INCLUDING ANY CHANGES WE MAKE. CVT DOES NOT WARRANT
THE ACCURACY OR COMPLETENESS OF THE INFORMATION, TEXT, GRAPHICS,
LINKS OR OTHER ITEMS CONTAINED WITHIN THESE MATERIALS. FURTHER,
UNAUTHORIZED ADDITIONS, DELETIONS OR ALTERATIONS COULD BE MADE TO
THIS WEBSITE WITHOUT OUR KNOWLEDGE. IF ANY SUCH INACCURACY OCCURS
FOR ANY REASON, PLEASE INFORM US SO THAT WE MAY MAKE THE NECESSARY
CORRECTIONS.

WITHOUT LIMITING THE ABOVE, ALL INFORMATION REGARDING ELIGIBILITY OR
BENEFITS FROM CVT IS CONTROLLED BY THE PLAN DOCUMENTS FOR CVT AND
THE PLAN DOCUMENTS CONTROL IF ANY CONFLICT EXISTS BETWEEN THE PLAN
DOCUMENTS AND THIS WEBSITE. CVT, ITS HEIRS, SUCCESSORS AND ASSIGNS,
SUBSIDIARIES, AFFILIATED ENTITIES, AGENTS, CLIENTS, MEMBER DISTRICTS,
PLAN SPONSORS, DIRECTORS, EMPLOYEES, AND ATTORNEYS ARE NOT
RESPONSIBLE FOR THE CONSEQUENCES RELATING TO RELIANCE ON ANY
INFORMATION CONTAINED IN OR SUBMITTED TO THE WEBSITE. CVT, ITS HEIRS,
SUCCESSORS AND ASSIGNS, SUBSIDIARIES, AFFILIATED ENTITIES, AGENTS,
CLIENTS, MEMBER DISTRICTS, PLAN SPONSORS, DIRECTORS, EMPLOYEES, AND
ATTORNEYS SHALL NOT BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT,
INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES RELATED TO USE OF THIS
WEBSITE.

4. Confidentiality and Risk of Providing Information on Internet

Your use of this website is subject to all risks inherent in any Internet use. While we aim to
protect confidential participant information, even though this website uses secured servers,
confidentiality cannot be guaranteed. If you submit confidential information through this
website, you agree that CVT will not be liable for any unintended dissemination or disclosure.

We will not be liable for any loss resulting from a cause over which we do not have direct
control, including but not limited to failure of electronic or mechanical equipment or
communication lines, telephone or other connection problems. We are also not liable for
computer viruses, unauthorized access, theft, operator errors, weather related problems, natural
disasters, labor shortage or governmental restrictions.

5. Limitation of Liability

CVT IS NEITHER RESPONSIBLE NOR LIABLE FOR ANY DIRECT, INDIRECT,
INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, OR OTHER
DAMAGES (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR PERSONAL
INJURY, WRONGFUL DEATH, LOSS OF REVENUE, BUSINESS INTERRUPTION,
INTERRUPTION OR LOSS OF USE OF ANY EQUIPMENT, MENTAL ANGUISH,
EMOTIONAL DISTRESS, INVASION OR PRIVACY) RELATING TO IN ANY WAY THE
WEBSITE, SITE-RELATED SERVICES AND CONTENT, WHETHER UNDER THEORY
BASED ON CONTRACT, TORT, WARRANTY OR STRICT LIABILITY.

WE ARE NOT LIABLE FOR ANY FAILURE OR DELAY IN OUR PERFORMANCE DUE
TO ANY CAUSE BEYOND OUR REASONABLE CONTROL.

6. Indemnification

You agree to defend, indemnify and hold harmless CVT and all of its heirs, successors and
assigns, subsidiaries, affiliated entities, agents, clients, member districts, plan sponsors, directors,
employees, and attorneys from and against any and all claims, judgments, proceedings, damages,
injuries, liabilities, losses, costs and expenses relating to your use of the site or your acts or
omissions.

7. Privacy Statement

California's Valued Trust ("CVT") has a strong commitment to your privacy. This Privacy
Statement discloses our information gathering and dissemination practices for the website. CVT
is required to follow the Health Insurance Portability and Accountability Act (HIPAA) and its
attendant regulations for the use and disclosure of Protected Health Information.
"Protected Health Information" is information about you, including demographic information,
that can reasonably be used to identify you and that relates to your past, present or future physical
or mental health or condition, the provision of health care to you or the payment for that care.
For example, if CVT collects a social security number in its course of business, that Social Security Number is
considered protected health information.

CVT has a Notice of Privacy Practices, a copy of which is available here.

8. This Website Does not Provide Medical Advice

AS THE USER OF THIS SITE YOU ASSUME FULL RISK AND RESPONSIBILITY FOR
ANY AND ALL USE OF THIS SITE, INCLUDING THE INFORMATION PRESENTED ON
THE SITE. YOU ARE RESPONSIBLE FOR SEEKING PROFESSIONAL MEDICAL
ADVICE OF YOU HAVE ANY QUESTIONS ABOUT YOUR HEALTH OR A HEALTH
CONDITION. YOU AGREE TO HOLD CVT HARMLESS FORM ANY AND ALL CLAIMS
RELATING TO YOUR USE OF, YOUR RELIANCE UPON, OR ERRORS OR OMISSIONS
IN, INFORMATION FOUND ON THIS SITE.

9. Security

This website requires users to give us unique identifiers in order to log into many areas of the
site. These identifiers include the user name, code, email address, Social Security number, and
date of birth. We utilize these identifiers to verify the user's identity and eligibility, in order to
protect our members from the release of sensitive or personally identifiable information to
authorized users.

10. Information Gathering

The personally identifiable information that you provide to us voluntarily through our website
will not be sold, licensed or transmitted outside CVT and outside its affiliates involved in
administering or providing services for our health benefit plans, unless you or your representative
expressly authorize us to do so.

11. General information

CVT routinely gathers quantitative information on website activity, including the number of
users to the site and the pages visited. No personally identifiable information is collected in this
routine activity, and CVT reserves the right to use, share or disclose this information with others.

12. Links to Other Websites

While this website may contain links to other Internet websites, CVT is not responsible for the
content of the linked sites. CVT provides these links as a convenience and does not control,
endorse or promote the companies or contents of any linked websites unless expressly stated.

13. Jurisdiction

These "Terms and Conditions," and the rights and obligations of you and CVT, hereunder, shall
be governed by, and construed in accordance with the laws of the State of California and in
accordance with federal law, to the extent that state law is preempted. You further agree that any
legal action or proceeding between you and CVT arising out of or relating to these "Terms and
Conditions" or your use of this site shall be brought exclusively in a federal or state court of
competent jurisdiction in California and you hereby expressly and irrevocably consent to the
jurisdiction and venue of such courts.