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Copyright © YMCA Retirement Fund. All rights reserved. Permission to make or print a personal copy of this material is hereby granted. Brief quotations for the purposes of news reporting and education are permitted. Otherwise, no part of this material may be used or reproduced without written permission from the YMCA Retirement Fund.

The YMCA Retirement Fund does not imply approval of linked sites, warrant the accuracy of any information set out in those sites or endorse any material/product described and/or offered therein.

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The YMCA Retirement Fund has made every attempt to ensure the accuracy of this material; however, it should not be construed as legal, accounting, actuarial, financial, investment or other professional advice. The Fund reserves the right to revise this information at any time to correct errors or otherwise. If it appears that any item is incorrect, please contact the YMCA Retirement Fund.

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