"ABC Company” refers to the company and its subsidiaries that are authorized to participate in the benefit plans described in this guide. The brief summaries of benefits in this Benefits Decision Guide provide only general information. The benefits are governed by the Plan Document and Summary Plan Description for the applicable benefit. You should refer to the Plan Document and Summary Plan Description of the applicable benefit plan(s) for a more complete description of a benefit plan’s terms. If there is any inconsistency between (a) the information provided in this document and any oral or written representations made by anyone regarding a benefit plan, and (b) the legal documents of a benefit plan, including the Plan Document or Summary Plan Description for the applicable benefit plan, the legal documents will govern. ABC Company reserves the right to amend, modify or terminate the benefit plan(s) described at any time in its sole discretion. The descriptions in this document are subject to change based on the terms of the benefit plan(s) and applicable law.