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florida Municipal Insurance Trust Certificate of Coverage This Certificate of Coverage and Medical Master Plan of' Benefits ("Certificate") sets forth your rights and obligations as a participant. It is important that you READ YOUR CERTIFICATE CAREFULLY and familiarize yourself with its terms and conditions. The Plan may require that the participant contribute to the required premiums. Information regarding the premium and any portion of the premium cost a participant must pay can be obtained from your employer. Florida Municipal Insurance Trust ("Trust") agrees with your employer to provide coverage for medical services, subject to the terms, conditions, exclusions and limitations of the plan. The plan is issued on the basis of the Participation Agreement of the employer and payment of the required plan charges. The employer's application is made a part of the contract. The Trust shall not be deemed or construed as an employer for any purpose with respect to the administration or provision of benefits under the employer's benefit plan. The Trust shall not be responsible for fulfilling any duties or obligations of an employer with respect to the employer's benefit plan. The Trust has sole and exclusive discretion in interpreting the benefits covered under the plan and the other terms, conditions, limitations and exclusions set out in the plan and in making factual determinations related to the plan and its benefits. The Trust may, from time to time, delegate discretionary authority to other persons or entities providing services in regard to the plan. The Trust reserves the right to change, interpret, modify, withdraw or add benefits or terminate the policy, in its sole discretion, without prior notice to or approval by participants. No person or entity has any authority to make any oral changes or amendments to the policy. Please show your plan identification card each time you request health care services. This is to ensure that the providers know that you are part of the plan; otherwise you may receive a bill for health care services. This plan shall take effect on the date specified and will be continued in force by the timely payment of the required plan charges when due, subject to termination of the plan as provided. All coverage under the plan shall begin at 12:01. a.m. and end at 12:00 midnight Eastern time.