I further understand and agree that, despite taking all precautions, there is no guarantee of avoiding exposure, and no guarantee that I may not contract COVID-19 as a result of attending the in-person programs at IABA. By submitting this form and attending the program, I hereby waive and release all liability, and agree to hold IABA, its administration, its volunteers, and its members, harmless from any and all claims or causes of action for injury, damage, cost, or expense, on behalf of myself and my heirs and personal representatives, related to exposure or harm from the coronavirus (COVID-19). *