2020 ESSILOR LABS PRACTICEBUILDER™ PROGRAM TERMS AND CONDITIONS

  1. Overview. The 2020 ESSILOR LABS PRACTICEBUILDER™ PROGRAM (the “Program”) is sponsored by Essilor Laboratories of America, Inc., 13555 North Stemmons Freeway, Dallas, TX 75234 (“Essilor Labs” or “Sponsor”). Under the Program, professional eyecare practices that meet the eligibility criteria set forth in Section 4 below and that enroll in the Program pursuant to the requirements set forth in Section 5 below may earn price reductions on various Essilor Labs lenses in the form of the Rebates defined and described in Section 11 below.

  1. Terms and Conditions. These 2020 ESSILOR LABS PRACTICEBUILDER™ PROGRAM TERMS AND CONDITIONS (“Terms and Conditions”) shall govern the operation of the Program, superseding any and all terms, conditions, rules, and practices previously in effect. In the event of a discrepancy between these Terms and Conditions and any advertising or other collateral material, these Terms and Conditions shall govern.

  1. Program Period. The Program is effective from January 1, 2020 and through December 31, 2020 (the “Program Period”).


  1. Eligibility. The Program is open to professional eyecare practices only (i.e., not individual professionals) that: (a) are located in one of the fifty United States or the District of Columbia;
    (b) are invited by Essilor Labs to participate in the Program; (c) are not enrolled in certain other promotional programs sponsored by Essilor Labs; and (d) are not excluded, debarred, or suspended from participation in any federal health care program, as defined below (“Eligible Practice”). The term “federal health care program” is defined at 42 U.S.C. § 1320a-7b(f) and includes Medicare, Medicaid, TRICARE and certain other government funded health care programs and plans.

To be clear, if an Eligible Practice becomes ineligible under Section 4(d) above during the Program Period, such practice will no longer be eligible to participate in the Program, earn Rebates (as that term is defined in Section 11 below), or receive earned but as yet undistributed Rebates.

  1. Enrollment. Enrollment (and subsequent participation) in the Program is limited to individual Eligible Practices, or, in the case of an individual Eligible Practice with multiple practice locations, to individual practice locations. To avoid confusion, if an Eligible Practice has more than one practice location, each separate practice location must be invited to participate in the Program, complete its own enrollment form, and participate separately as its own Enrolled Practice, as defined below.


Thus, the term “Eligible Practice,” as defined in Section 4 above, shall refer to a single Eligible Practice location in those situations where a professional eyecare practice has more than one practice location. The two terms, “Eligible Practice” and “Eligible Practice location” are used interchangeably for purposes of the Program and the Terms and Conditions.


To participate in this Program, an owner, director, or officer of the Eligible Practice (“Practice Principal”) must enroll the Eligible Practice online. Only enrollments completed online, as set forth below, will be accepted. To that end, the Practice Principal must visit https://www.myessilorlabs.com/ (the “Portal”) and perform the following steps:


    1. Sign in to the Portal using the Eligible Practice’s user name and password (as previously established in order for the Eligible Practice to access and navigate the Portal);


    1. Click the "2020 PracticeBuilder" icon, which will redirect the Practice Principal to a landing page for the Program (the “Program Website”);


    1. Click the “Program Enrollment” button;


    1. Complete the Program enrollment form in its entirety; this will require, among other things, (i) designating an owner and/or an employee with authority to represent the Eligible Practice and serve as its principal contact for purposes of the Program (the “Authorized Practice Administrator”), and (ii) checking the box indicating that the Eligible Practice understands, accepts, and agrees to abide by the Terms and Conditions; and


    1. Click the “Submit” button or function.


As long as an Eligible Practice completes its enrollment during the Program Period (as defined in Section 3 above), completes an IRS Form W-9 or any other forms issued or requested by Sponsor, and does not lose its eligibility pursuant to Section 4(d), it will be eligible to earn and receive the Rebates (as that term is defined below in Section 11) offered under this Program. Upon completion of the enrollment process, each Eligible Practice or Eligible Practice location will be called an “Enrolled Practice.”


  1. Communications. Enrolled Practice agrees to the receipt of mail, faxes, phone calls and/or email at the numbers/emails provided in the account details for all purposes relating to the Program.

  1. Good Standing. In order to earn or receive any Rebates (as that term is defined below in Section 11) under this Program, an Enrolled Practice must remain in good standing with Sponsor and/or Participating Lab (defined below), as applicable, which means, among other things, that (a) the Enrolled Practice must be current on all payments due to Sponsor and/or Participating Lab in accordance with Sponsor’s and/or Participating Lab’s payment terms, as applicable, and (b) the Enrolled Practice and all of its owners and employees must be eligible to participate in all federal health care programs.

  1. Participating Lab. For purposes of the Program, a “Participating Lab” is any Essilor Labs optical laboratory other than Optogenics of Syracuse, Inc. (“Optogenics”) optical laboratories. For the avoidance of doubt, the term “Participating Lab” does not include partner laboratories. Participating Labs will be listed on the Program Website and updated from time to time.


  1. Job. For purposes of the Program, a “Job” is defined as a single purchase transaction made by an Enrolled Practice for a pair of eyeglass lenses for a single patient under one prescription that is fulfilled by a Participating Lab during the Program Period, as reflected on such Enrolled Practice’s monthly billing statement from Participating Lab. A Job excludes free, no cost, and complimentary lenses, product samples, remakes or other lenses that are obtained as part of a warranty fulfillment. The date of a particular Job is the date when the Job is shipped from the relevant Participating Lab to the Enrolled Practice.

  1. Net Purchases. For purposes of the Program, an Enrolled Practice’s “Net Purchases” for the Program Period shall mean the total dollar amount that the Enrolled Practice has paid or owes (or some combination of the two) to Participating Labs for Jobs ordered from and shipped by Participating Labs during the Program Period after taking into account any discounts, rebates, free products or services or other price reductions; provided, however, that the calculation of Net Purchases shall not include any of the Rebates (as defined below) earned under this Program during the Program Period.

  1. Rebate Overview. Under the Program, an Enrolled Practice may earn Product Rebates and Volume Rebates (each defined below and referred to collectively as the “Rebates”), subject to the limitations set forth in these Terms and Conditions.

    1. Total Rebates. In any month during the Program Period, an Enrolled Practice may earn up to, but no more than, six (6) Rebates, of which no more than two (2) may be Volume Rebates.


    1. No Rebates in Month of Enrollment. Enrolled Practice is not eligible to earn any Rebates in the month it enrolls in the Program. Enrolled Practices may start earning Rebates in the month following its enrollment in the Program.


    1. Minimum Purchase Requirement. Enrolled Practice shall be eligible to earn Rebates in any month during the Program (other than the month of its enrollment in the Program) in which the total net sales associated with its Job purchases thus far in 2020, as measured by dollars paid or owed under the Program for the period from January 1, 2020 through the end of the just prior calendar month, is at least ninety (90) percent of the dollar amount paid by Enrolled Practice for Jobs purchased during the same time period in 2019, unless otherwise agreed to by Sponsor in its sole discretion. For example, Enrolled Practice would only be eligible to earn Rebates in the month of July 2020 (i.e., for Jobs shipped from June 1, 2020 through June 30, 2020) if the amount it paid (or owed) for Jobs from January 1, 2020 through June 30, 2020 was at least ninety (90) percent of the dollar amount it paid for Jobs from January 2019 through June 30, 2019 (unless otherwise agreed to by Sponsor in its sole discretion). Enrolled Practice may find its Minimum Purchase requirement for a particular month by logging in to the Program Website.

  1. Product Rebates. Under the Program, an Enrolled Practice may earn one (1) or more rebates (“Product Rebates”) for Jobs involving specified eyeglass lenses (“PR Jobs”), subject to the limitations set forth in these Terms and Conditions.

    1. Assignment of Product Rebates. Under the Program, Enrolled Practice shall only be eligible for Product Rebates assigned by its Essilor Sales Consultant, which assignment shall be in the Consultant’s sole discretion. The specific Product Rebates assigned and available to each Enrolled Practice will be set forth in that Enrolled Practice’s Program Website account.


    1. Product Rebate Terms. The terms and conditions for each assigned Product Rebate (“Product Rebate Terms”) shall be posted on the Enrolled Practice’s Program Website account and shall become effective from the date of such posting. Sponsor is authorized to change the Product Rebate Terms, on a prospective basis, from time to time in its sole discretion. Any such updated Product Rebate Terms shall be posted on that Enrolled Practice’s Program Website account. The Product Rebate Terms and any updates thereto are hereby incorporated into these Terms and Conditions by reference. All versions of Product Rebate Terms applicable during the Program Period to Enrolled Practice’s assigned Product Rebates will be archived and will be accessible through that Enrolled Practice’s Program Website account for ten (10) years following the conclusion of the Program Period. For special discounts/rebates involving Varilux® X Series™, the discount/rebate will apply to the lens treatment only (e.g. Crizal®, Transitions®, and/or Xperio UV™. Enrolled Practice is encouraged to log in to the Program Website to review the most recent version of the Product Rebate Terms before purchasing any PR Jobs.


    1. Categories of Product Rebates. As previously noted, Enrolled Practice should log in to the Program Website to find the Product Rebate Terms applicable to its assigned Product Rebates. That said, in general, all Product Rebates fall into one of three categories:


      1. Baseline; Rebate Earned on Excess PR Jobs. As a general matter, each Enrolled Practice will be assigned a monthly “Baseline” for PR Jobs on the basis of lens brand. If, in a particular month during the Program Period, Enrolled Practice purchases a number of Jobs in excess of the monthly Baseline established for that lens brand, Enrolled Practice may earn a specified dollar rebate for each excess PR Job purchased during that month (but not including the PR Jobs used to meet the Baseline). The monthly Baseline applicable to each lens brand will be set forth in advance on that Enrolled Practice’s Program Website account. Note. An Enrolled Practice’s Baseline may be waived on a prospective basis in Sponsor’s sole discretion and shall be reflected on that Enrolled Practice’s Program Website account.


      1. Baseline; Rebate Earned on All PR Jobs. Enrolled Practice will be assigned a monthly “Baseline” for PR Jobs on the basis of lens brand. If, in a particular month during the Program Period, Enrolled Practice purchases a number of PR Jobs in excess of the monthly Baseline established for that lens brand, Enrolled Practice may earn a specified dollar rebate for all PR Jobs purchased during that month (including the PR Jobs used to meet the Baseline). The monthly Baseline applicable to each lens brand will be set forth in advance on that Enrolled Practice’s Program Website account. Note. An Enrolled Practice’s Baseline may be waived on a prospective basis in Sponsor’s sole discretion and shall be reflected on that Enrolled Practice’s Program Website account.


      1. No Baseline. Enrolled Practice may earn a specified dollar rebate for each PR Job, based on lens brand, during the Program Period.


    1. Changes to Baseline. For all Product Rebates that include a monthly Baseline, Sponsor is authorized to change or waive the monthly Baseline on a prospective basis, from time to time and in its sole discretion. Any such changes will be posted by Sponsor on that Enrolled Practice’s Program Website account and incorporated herein by reference. Enrolled Practice is encouraged to log in to the Program Website to review the most recent monthly Baseline, as applicable, before purchasing any applicable PR Jobs.


  1. Volume Rebates. Under the Program, an Enrolled Practice also may earn one (1) or more rebates based on Net Purchases (“Volume Rebates”), subject to the limitations set forth in these Terms and Conditions.

    1. Assignment of Volume Rebates. Under the Program, Enrolled Practice shall only be eligible for Volume Rebates assigned by its Essilor Sales Consultant, which assignment shall be in the Consultant’s sole discretion. The specific Volume Rebates assigned and available to each Enrolled Practice will be set forth in that Enrolled Practice’s Program Website account.


    1. Volume Rebate Terms. The terms and conditions for each assigned Volume Rebate (“Volume Rebate Terms”) shall be posted on the Enrolled Practice’s Program Website account and shall become effective from the date of such posting. Sponsor is authorized to change the Volume Rebate Terms, on a prospective basis, from time to time in its sole discretion. Any such updated Volume Rebate Terms shall be posted on that Enrolled Practice’s Program Website account. The Volume Rebate Terms and any updates thereto are hereby incorporated into these Terms and Conditions by reference. All versions of Volume Rebate Terms applicable during the Program Period to Enrolled Practice’s assigned Volume Rebates will be archived and will be accessible through that Enrolled Practice’s Program Website account for ten (10) years following the conclusion of the Program Period. Enrolled Practice is encouraged to log in to the Program Website to review the most recent version of the Volume Rebate Terms before purchasing any Jobs.


    1. Categories of Volume Rebates. As previously noted, Enrolled Practice should log in to the Program Website to find the Volume Rebate Terms applicable to its assigned Volume Rebates. That said, in general, all Volume Rebates fall into one of three categories:


      1. Purchase Tiers. Enrolled Practice will be assigned one or more monthly dollar “Tiers” of Net Purchases, in which each particular Tier will have a dollar rebate amount associated with it. If, in a particular month during the Program Period, Enrolled Practice’s monthly Net Purchases meet or exceed one or more of the monthly Tiers, Enrolled Practice may earn the specified dollar rebate associated with the highest Tier that was met or exceeded. The monthly Tiers will be set forth in advance on that Enrolled Practice’s Program Website account and may be changed, on a prospective basis, from time-to-time by Sponsor at its sole discretion.


      1. Threshold. Enrolled Practice will be assigned a monthly dollar “Threshold” of Net Purchases. If, in a particular month during the Program Period, Enrolled Practice’s monthly Net Purchases meet or exceed the monthly Threshold, Enrolled Practice may earn a rebate equal to a specified percentage of Net Purchases. The monthly Threshold will be set forth in advance on that Enrolled Practice’s Program Website account and may be changed, on a prospective basis, from time-to-time by Sponsor at its sole discretion.


      1. Loyalty Rebate. Enrolled Practices may earn an annual rebate equal to two percent (2%) of its Net Purchases during the Program Period (“Loyalty Rebate”).


    1. Changes to Tiers or Threshold for Volume Rebates. For all Volume Rebates that include monthly Tiers or a monthly Threshold, Sponsor is authorized to change the monthly Tiers or monthly Threshold, as applicable, on a prospective basis, from time to time and in its sole discretion. Any such changes will be posted by Sponsor on that Enrolled Practice’s Program Website account and incorporated herein by reference. Enrolled Practice is encouraged to log in to the Program Website to review the most recent monthly Tiers or Threshold, as applicable, before purchasing any applicable Jobs.


  1. Payment of Product Rebates and Volume Rebates (Other than the Loyalty Rebate).


    1. Form of Rebate Payments. With the exception of Loyalty Rebates (the payment of which are discussed in Section 15 below), all Product Rebates and Volume Rebates earned under the Program shall be applied as a billing statement credit or sent to the Enrolled Practice by check, ACH (automated clearing house), or wire transfer. The specific form(s) of Rebate payment shall be determined by the Enrolled Practice’s Essilor Sales Consultant, in the Consultant’s sole discretion.


    1. Billing Statement Credits. If a Product Rebate or a Volume Rebate (other than the Loyalty Rebate) will be applied as a billing statement credit, the credit will be applied on the monthly billing statement immediately following the month in which the Rebate is earned.


    1. Rebate Payouts. If a Product Rebate or a Volume Rebate (other than the Loyalty Rebate) will be sent by check, ACH, or wire transfer, Enrolled Practice may request such payouts as follows:


      1. Minimum Payout Amount. During the Program Period, Essilor Labs will track each Enrolled Practice’s Jobs. The amount of Product Rebates and/or Volume Rebates earned by an Enrolled Practice during the previous calendar month will be posted in the Enrolled Practice’s account on the Program Website. After such Rebate amount is posted, and once the total Rebate amount available to the relevant Enrolled Practice reaches Twenty-Five Dollars ($25), the Enrolled Practice may request a Rebate payout in the form of a check, ACH, or wire transfer. Rebate payout requests for Rebates earned in 2020, but that total less than Twenty-Five Dollars ($25), may be made from January 1, 2021 through March 31, 2021.


      1. Payout Request Process. In order to request a Rebate payout, the Enrolled Practice must have a complete and accurate “New Supplier/Payee Setup Form,” also known as a substitute IRS W-9, on file with Sponsor. Rebate payout requests may only be made on behalf of the Enrolled Practice by the Practice Principal or the Authorized Practice Administrator via the “Request Check” button on the Rewards page of the Program Website. Rebate payouts will only be issued to the Enrolled Practice, not an individual. Once submitted, the Rebate payout will be processed and delivered within six (6) weeks of the request date. Any changes to practice information will cause delays in Rebate payout. Each Enrolled Practice’s Rebate payout will be posted on the Program Website.


      1. Payout Request Deadline. Rebate amounts for each calendar month will accumulate until a Payout Request Form is submitted. Any Product Rebate or Volume Rebate (other than the Loyalty Rebate) earned under the Program for which no payout request has been submitted (in conformance with the requirements of these Terms and Conditions) on or before March 31, 2021 shall be permanently forfeited.


  1. Payment of the Loyalty Rebate.


    1. Loyalty Rebate Payment. On or before March 31, 2021, the amount of the Loyalty Rebate earned (if any) by an Enrolled Practice will be posted on that Enrolled Practice’s Program Website account. Sponsor will pay the earned Loyalty Rebate, in the amount posted on the Enrolled Practice’s Program Website account, on or before September 30, 2021. For the avoidance of doubt, any Enrolled Practice that has earned a Loyalty Rebate is not required to request a payout of the Loyalty Rebate.


    1. Form of Loyalty Rebate Payment. Any Loyalty Rebate earned under the Program shall be sent to the Enrolled Practice by ACH or wire transfer. The specific form of Loyalty Rebate payment shall be determined by that Enrolled Practice’s Essilor Sales Consultant, in the Consultant’s sole discretion.

  1. Compliance with Terms. By enrolling in the Program, each Enrolled Practice agrees to comply with these Terms and Conditions, and understands and agrees that Sponsor’s decisions with respect to all aspects of the Program, including the construction and meaning of the Terms and Conditions, are final in all respects.


  1. Compliance with Laws. Essilor Labs and each Enrolled Practice covenant and agree that they will comply with all applicable laws and regulations, including, but not limited to, the federal health care program anti-kickback statute, 42 U.S.C. § 1320a-7b(b) (the “Anti-Kickback Statute”), and its state law counterparts.


    1. Essilor Labs covenants and agrees that it will satisfy the requirements imposed on a “seller” under the discounts exception, 42 U.S.C. § 1320a-7b(b)(3)(A), and the discounts safe harbor, 42 C.F.R. § 1001.952(h), to the Anti-Kickback Statute with respect to all price reductions (including Rebates) provided under this Program.


    1. Each Enrolled Practice covenants and agrees that it will satisfy the requirements imposed on a “buyer” under the discounts exception, 42 U.S.C. § 1320a-7b(b)(3)(A), and the discounts safe harbor, 42 C.F.R. § 1001.952(h), to the Anti-Kickback Statute with respect to all price reductions (including Rebates) provided to Enrolled Practice under this Program or any other incentive program or promotion sponsored by Essilor Labs.


  1. Rebate Report. On or before April 30, 2021, Essilor Labs shall make the following data (“Rebate Report”) available to each Enrolled Practice on its Program Website account page:

    1. The type and quantity of Enrolled Practice’s PR Jobs in the Program Period;


    1. The type and quantity of the Jobs that made up Enrolled Practice’s Net Purchases in the Program Period;


    1. The dollar amount of Enrolled Practice’s Net Purchases in the Program Period (i.e., the effective prices of the Jobs its purchased without taking the Rebates into account);


    1. The total dollar amount of the Product Rebates earned by Enrolled Practice in the Program Period and the total dollar amount of the Product Rebates paid (or to be paid) to Enrolled Practice;

    2. The total dollar amount of the Volume Rebates earned by Enrolled Practice in the Program Period and the total dollar amount of the Product Rebates paid (or to be paid) by Enrolled Practice; and


    1. Other rebates or discounts, if any, provided to Enrolled Practice in connection with the Jobs.


The Rebate Report will be archived and will be accessible through that Enrolled Practice’s Program Website account for ten (10) years following April 30, 2021.


  1. Price Transparency. Each Enrolled Practice understands and acknowledges that it may be required―pursuant to applicable federal or state laws or regulations, including, but not limited to, the Anti-Kickback Statute, its state law counterparts, or pursuant to its contractual arrangements with third party payers―to fully and accurately report and disclose the net purchase price (as that term is defined below) for all products it purchases from a Participating Lab under this Program or any other incentive program or promotion sponsored by Essilor Labs. Toward that end, each Enrolled Practice covenants and agrees that it will:


  1. Fully and accurately report and disclose―to the relevant government authority, health care plan or program, or third party payer―the net purchase price for all products it purchases and/or receives from a Participating Lab under this Program or any other incentive program or promotion sponsored by Essilor Labs; and


  1. Provide the relevant government authority, health care plan or program, or third party payer such further information regarding its net purchase prices and the Rebates it earned and received under this Program, as may be requested.


For purposes of these Terms and Conditions, the term “net purchase price” means the net discounted price that the Enrolled Practice paid for each Job at issue (i.e., the purchase price minus all price reductions, including, but not limited to, Product Rebates, Volume Rebates, and all other discounts, rebates and free or discounted items or services such as, by way of example, free product sample voucher redemptions).


  1. Document Retention. To find the information necessary to meet the potential reporting obligations referenced in Section 19, Enrolled Practice should retain (a) its Rebate Report, (b) all of its monthly billing statements from Participating Labs for all Jobs purchased under the Program, and (c) all versions of the Product Rebate Terms and Volume Rebate Terms applicable during the Program Period to Enrolled Practice’s assigned Rebates (which, as previously noted, will be archived and accessible on the Program Website for ten (10) years following the conclusion of the Program Period).


  1. Indemnity. By enrolling in the Program and/or accepting any Rebates, each Enrolled Practice agrees to indemnify, release and hold harmless Sponsor and Participating Labs, their respective affiliates, and their respective officers, directors, shareholders, employees, agents and representatives (collectively “Released Parties”) from any and all liability, damages, rights, claims, actions, losses, costs, expenses, including attorney’s fees and expenses (collectively “Losses”) of any kind relating to or arising under the Program, including, without limitation for or from (a) the redemption of any Rebates and (b) publicity, rights of privacy or defamation.


  1. Limitation of Responsibility. The Released Parties are not responsible for: (a) lost, late, incomplete, inaccurate, undelivered, garbled, or lost enrollments or Job orders; (b) interrupted or unavailable network, server, Internet Service Provider (ISP), website or other connections; (c) other technical failures or difficulties experienced with respect to the Portal, the Program Website, or the Program; (d) other errors of any kind, whether human, mechanical, electronic, network, typographical, printing or otherwise, relating to or arising under the Program; (e) any incorrect or inaccurate information, whether caused by site users, tampering, hacking, or by any equipment or programming associated with or utilized in the Program; (f) injury or damage to any computer or network related to or resulting from enrollment or participation in the Program; and (g) any personal injury, property damage, or any other loss, injury, or damage suffered by any person relating in any way to the items or services purchased, in whole or in part, through redemption of rebates.


  1. Reservation of Rights. Sponsor reserves the right in its sole discretion:


    1. To terminate the participation of any Enrolled Practice in the Program.


    1. To correct or amend the Terms and Conditions retroactively to the start of the Program Period.


    1. To modify or cancel the entire or part of the Program for any reason.


Notice of any of these actions will be posted by Sponsor on the Program Website and incorporated herein by reference.


  1. Termination of Enrolled Practice. If an Enrolled Practice is terminated from the Program, it will no longer be eligible to earn Rebates under the Program, but any Rebates earned prior to termination will be redeemable, subject to the limitations in these Terms and Conditions. The exclusion, debarment or suspension of an Enrolled Practice or any of its owners from participation in any federal health care program is grounds for immediate termination from the Program.


  1. Dispute Resolution. Except where prohibited by law, Eligible Practices and Enrolled Practices agree that any and all disputes, claims, and causes of action brought or otherwise asserted by them or on their behalf against any of the Released Parties that relate to or arise under this Program shall be (a) resolved individually, without resort to any form of class action, and exclusively by an action in state or federal court located in the State of Texas; and (b) limited to actual out-of-pocket costs incurred, including costs associated with participating in this Program but in no event include attorneys’ fees and costs. All disputes, including those that involve the construction, validity, interpretation and enforceability of these Terms and Conditions, shall be governed by, and construed in accordance with, the laws of the State of Texas, without regard to conflicts of law principles.


  1. Waiver of Certain Damages. Eligible Practices and Enrolled Practices expressly waive any and all rights that they may have for punitive, incidental, and consequential damages or any damages other than actual out-of-pocket costs and expenses against any of the Released Parties in any dispute that relates to or arises under this Program.

  1. Privacy. Personal information (if any) collected online in connection with this Program shall be subject to the privacy policy posted on the Portal or Sponsor’s website (www.essilorusa.com).

  1. CAUTION. ANY ATTEMPT BY ANY PERSON OR ENTITY TO DISRUPT OR DAMAGE THE LEGITIMATE OPERATION OF THE PROGRAM, THE PORTAL, OR THE PROGRAM WEBSITE WILL BE PURSUED TO THE FULLEST EXTENT OF THE LAW.



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