JUSTIN J MARONE PC EMPLOYEE WELFARE BENEFITS PLAN AND TRUST

THE PLAN SPONSOR'S PURPOSE IN ESTABLISHING THE PLAN IS TO PROTECT ELIGIBLE EMPLOYEES AND THEIR DEPENDENTS AGAINST CERTAIN HEALTH EXPENSES AND TO HELP DEFRAY YHE FINANCIAL EFFECTS ARISINGFROM INJURY OR SICKNESS. TO ACCOMPLISH THIS PURPOSE, THE PLAN THE PLAN SPONSSOR MUST BE MINDFULL OF THE NEED TO CONTROL AND MINIMIZE HEALTH CARE COSTS THROUGH INNOVATIVE AND EFFICIENT PLAN DESIGN AND COST CONTAINMENT PROVISIONS, AND OF ABIDING BY THE TEERMS OF THE PLAN DOCUMENT, TO ALLOW THE PLAN SPONSOR TO EFFECTIVELY ASSIGN THE RESOURCES AVAILABLE TO HELP PARTICIPANTS IN THE PLAN TO THE MAXIMUM FEASIBLE EXTENT.