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        <FormAndLineReferenceDesc>PART X, LINE 2:</FormAndLineReferenceDesc>
        <ExplanationTxt>THE PLAN WAS ESTABLISHED AS A VOLUNTARY EMPLOYEE BENEFIT ASSOCIATION WITHIN THE MEANING OF SECTION 501(C)(9) OF THE INTERNAL REVENUE CODE ("IRC") OF 1986. THE PLAN RECEIVED A DETERMINATION LETTER DATED SEPTEMBER 17, 2018, WHICH STATED THAT THE PLAN WAS IN COMPLIANCE WITH THE APPLICABLE REQUIREMENTS OF THE IRC. THEREFORE, THE TRUST IS EXEMPT FROM INCOME TAX, BUT IS REQUIRED TO FILE AN ANNUAL INFORMATION RETURN. THE PLAN IS ALSO REQUIRED TO FILE AN ANNUAL RETURN/REPORT WITH THE DEPARTMENT OF LABOR.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleD>
    <IRS990ScheduleO documentId="RetDoc1044400001">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION A, LINE 6</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATION'S MEMBERS CONSIST OF THE PARTICIPATING BANKS IN FLORIDA WHO HAVE CONSOLIDATED UNDER ONE ENTITY TO PROVIDE HEALTH BENEFITS TO THEIR EMPLOYEES AND ELIGIBLE DEPENDENTS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION A, LINE 7A</FormAndLineReferenceDesc>
        <ExplanationTxt>MEMBERS SHALL HAVE THE RIGHT TO APPOINT OR ELECT TRUSTEES OR ALTERNATES TO VACANCIES AMONG THEIR RESPECTIVELY ELECTED TRUSTEES FOR ANY REASON. A TRUSTEE MUST BE AN EMPLOYEE OF A MEMBER.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION B, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE VP OF ACCOUNTING HAS BEEN DELEGATED THE AUTHORITY TO REVIEW AND FILE THE FORM 990 AND SUBSEQUENT TO THE FILING, IT IS DISTRIBUTED TO THE BOARD OF TRUSTEES.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION C, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICIES,FINANCIAL STATEMENTS AND FORM 990 ARE MADE AVAILABLE UPON REQUEST.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>
