End User License Agreement
You must accept the terms of this end user license agreement to continue.

    EXHIBIT B
Treatment Cost Calculator
End User Agreement

Treatment Cost Calculator
End User Agreement (Terms of Use)

Welcome to Treatment Cost Calculator, owned and operated by IBM. Your access to the Treatment Cost Calculator is subject to all of the terms and conditions contained in this Agreement. As used in this Agreement, "you" or "your" refers to you as an "end user" of the Treatment Cost Calculator whose access has been authorized by a health plan, employer or other organization which contracts with IBM for Treatment Cost Calculator access (Sponsoring Organization).

Use Restrictions

Subject to the terms and conditions of this Agreement, you may use the Treatment Cost Calculator on behalf of your Sponsoring Organization. You may not sell, rewrite or modify the Treatment Cost Calculator (including information contained in this application), redistribute it, copy it to your own or a third party's web site, or otherwise use it for any commercial purpose without prior written permission from IBM. You may download and print a reasonable number of copies of pages from the Treatment Cost Calculator application for your own use.

You may not share your access to the Treatment Cost Calculator. IBM does not assume any responsibility or liability for your or third parties' use or misuse of information received from using this application.

By using the Treatment Cost Calculator, you agree to comply with all applicable local, state, national, or international laws and regulations, including those governing privacy and disclosure of patient healthcare information. IBM may investigate any allegation or other information that your use does not conform to the terms of this Agreement. IBM may determine, in its sole discretion, to terminate your access to any or all tools and contents upon any breach of this Agreement.

Limitations and Disclaimers

THIS CONTENT DOES NOT CONSTITUTE PROFESSIONAL MEDICAL ADVICE. THE INFORMATION CONTAINED IN THE TREATMENT COST CALCULATOR IS INTENDED FOR INFORMATIONAL PURPOSES ONLY TO SUPPLEMENT INFORMATION PROVIDED BY LICENSED MEDICAL PROFESSIONALS. IBM ENCOURAGES YOU TO CONFER WITH YOUR PHYSICIAN OR OTHER QUALIFIED HEALTH CARE PROVIDER TO ADDRESS QUESTIONS ABOUT YOUR CONDITION AND TREATMENT DIRECTLY. IBM DOES NOT RECOMMEND OR ENDORSE ANY SPECIFIC PROVIDERS (HOSPITALS, PHYSICIANS OR OTHER HEALTHCARE PROVIDERS) OR COURSE OF TREATMENT INCLUDED IN THIS WEBSITE.

The Treatment Cost Calculator may include your benefit information in order to calculate your out of pocket costs. This information is provided in summary form as a convenience. The benefit information in the Treatment Cost Calculator does not contain all of the health benefit plan terms, conditions, limitations, and exclusions that apply to your coverage. Refer to your Summary Plan Description from your health plan to confirm and verify your coverage.

IBM EXPRESSLY DISCLAIMS ANY WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO THE TREATMENT COST CALCULATOR, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THE USE OF TREATMENT COST ESTIMATES IS AT YOUR OWN RISK AND THE CONTENT IS PROVIDED ON AN "AS IS" BASIS.

Information included in the Treatment Cost Calculator comes from third parties that are not affiliated with IBM and over whom IBM has no control. Regardless of the source of information in Treatment Cost Calculator, IBM is not liable to you for any damages of any kind resulting from your access to or your use of the Treatment Cost Estimates. If you are dissatisfied with Treatment Cost Calculator or if you have questions about your use of this information, contact your Sponsoring Organization.

Ideas and Concepts

As between you and IBM, the entire contents and design of Treatment Cost Calculator are owned by IBM and protected under U.S. and international copyright laws. Copyright, patent or trademark notices must not be removed from our materials.

U.S. Government End Users

Use, duplication or disclosure by the Government is subject to restrictions set forth in subparagraphs (a) through (d) of the Commercial Computer-Restricted Rights clause at FAR 52.227-19 when applicable, or in subparagraph (c)(1)(ii) of the Rights in Technical Data and Computer Product clause in DFARS 252.227-7013, or in subdivision (c)(1) and (c)(2) of the Commercial Computer Product – Restricted Rights clause at 48 CFR 52.227-19, as applicable, and in similar clauses in the NASA FAR Supplement.

Force Majeure

Access to the Treatment Cost Calculator is subject to interruption and delay due to causes beyond its reasonable control, such as acts of God, acts of any government, war or other hostility, civil disorder, the elements, fire, explosion, power failure, equipment failure, industrial or labor dispute, inability to obtain necessary supplies and the like.

General Provisions

This Agreement will be governed by and construed under the law of the State of New York, without regard to conflicts of law provisions. Should any provision of this Agreement be held to be void, invalid, unenforceable or illegal by a court, the validity and enforceability of the other provisions will not be affected thereby. Failure of IBM to enforce any provision of this Agreement will not constitute or be construed as a waiver of such provision or of the right to enforce such provision.

These terms apply to your use of the Treatment Cost Calculator only. When you exit this application to navigate elsewhere within the web site of your Sponsoring Organization or any other party (whether or not controlled by IBM), different terms may apply. IBM does not assume any responsibility for any screens or web sites that you browse after following a link from this site.

IBM reserves the right, at its sole discretion, to change the terms and conditions of this Agreement from time to time, and your continuing use of Treatment Cost Calculator constitutes your acceptance of and agreement to any changed terms and conditions.

(c) Copyright IBM Corporation 2018. All rights reserved.