Disclosure Statement

The WorkLifeMatters program (the “Program”) is underwritten by The Guardian Life Insurance Company of America (“Guardian”). All Program services and products are provided solely by IBH, Inc. and its contractors (“IBH”), which are unrelated to Guardian. Guardian is not responsible for care or advice given by any provider or resource in the Program. The information above is for illustrative purposes only. Nothing contained herein should be considered a contract. Please refer to the Administration Agreement for the contractual terms of service, limitations and exclusions under the Program. Guardian and IBH reserve the right to discontinue the Program at any time without notice