This booklet is a summary for information purposes only. It contains only some of the important terms and conditions you need to know about your benefits with CPA Insurance Plans West. However, benefits will be provided in accordance with the full terms and conditions of the master contract. These contracts may be amended by mutual agreement between the Insurers and CPAIPW. A copy of the master contract is available for participants and can be requested through an advisor by emailing email@example.com with subject line 'Master Contract'.