R95-141 AUTHORIZING APPLICATIONS FOR GROUP HEALTH INSURANCE COVERAGE

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� XI. APPLICABLE LAW This Agreement, to the extent not preempted by ERISA, shall be governed by the laws of the state of illinois. XII. AMENDMENTS This Agreement may be amended by mutual agreement of the parties hereto at any time, but, to be effective, any amendment hereto must be in writing and signed by an authorized representative of each party. XIII.LIMITATIONS No civil action shall be brought to recover under this Agreement after the expiration of three (3) years from the date the cause of action accrued, except to the extent that a later date is permitted under Section 413 of ERISA. XIV.NOTICES All notices,directions or requests under this Agreement shall be in writing and shall either be delivered or mailed, Certified or Registered Mail, to the other addressed as follows: If to the Claim Administrator: Health Care Service Corporation a Mutual Legal Reserve Company 233 North Michigan Avenue Chicago, Illinois 60601-5655 Attention: Thomas Hicks • If to the Employer: City of Decatur #1 Civic Center Plaza Decatur, Illinois 62523 Attention: Jerry Bauer XV. CLAIM ADMINISTRATOR'S SEPARATE FINANCIAL ARRANGEMENTS WITH PROVIDERS The Employer acknowledges that the Claim Administrator has contracts with certain Providers ("Ad- ministrator Providers") for the provision of, and payment for, health care services to all persons en- titled to health care benefits under individual certificates, agreements and contracts to which the Claim Administrator is a party, including the Covered Persons under this Agreement, and that pur- suant to the Claim Administrator's contracts with Administrator Providers, under certain circum- stances described therein, the Claim Administrator may receive substantial payments from Adminis- trator Providers with respect to services rendered to all such persons for which the Claim Administrator was obligated to pay Administrator Providers, or the Claim Administrator may pay Ad- ministrator Providers less than their Claim Charges for services, by discounts or otherwise, or may receive from Administrator Providers other allowances under the Claim Administrator's contracts with them. The Employer acknowledges that in negotiating the service charge(s) set forth in this Agree- ment, it has taken into consideration that the Claim Administrator may receive such payments, dis- counts and/or other allowances during the term of this Agreement and that the service charge(s)spe- cified in this Agreement reflects the amount of additional consideration expected to be received by the Claim Administrator in the form of such payments, discounts or allowances. Neither the Employer � nor Covered Persons hereunder are entitled to receive any portion of any such payments, discounts and/or other allowances as part of any Claim Settlement or otherwise except as such items may be indirectly or directly reflected in the service charge(s)specified in this Agreement. Further,all amounts - 7 -