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The terms and values of the Protocol govern the program. This program is a voluntary settlement initiative offered to claimants to provide a prompt and certain process for resolving disputed claims. Participation in the program does not constitute an admission of liability or wrongdoing, and the company expressly denies responsibility for the underlying events. All rights, defenses and legal positions in pending and future litigation are fully reserved. This program is offered solely as a compromise and is intended to be protected under applicable laws, including California Evidence Code sections 1152 and 1154.