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https://bjagh-cmpzourl.campaign-view.com/ua/viewinbrowser?od=3D3z15fd5604c3=
817555abb83f691d78640d3e2b67ec8e464635b5f5a20020c6a100&rd=3D1d7e25ae48153fb=
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https://grandmutual.com/

https://grandmutual.com/workers-compensation-insurance-protecting-your-team=
-and-your-business/

Non-compliance with health insurance mandates, as well as improper document=
ation can and has led to significant fines & penalties.

Remember, it's mandatory to offer health insurance to your team each year i=
f you have 50+ employees, as well as collect written and signed declination=
 forms from any employee who declines health insurance coverage.

Compliance isn't just optional. It's the law.

Companies can mitigate risks by:

=E2=9C=85 Providing Insurance Offer Every Year: It's required by law to off=
er updated health insurance benefits to all eligible employees annually .
=E2=9C=85 Documenting Declinations: It's critical to collect declination fo=
rms from any employee who declines health insurance coverage to ensure comp=
liance.

Have questions or need assistance with these regulations? Get in touch with=
 GMIS today:

tel:8887325994 888.732.5994

mailto:info@grandmutual.com?subject=3D info@grandmutual.com
https://www.facebook.com/grandmutual
https://www.facebook.com/grandmutual
Like Our Facebook Page
https://www.linkedin.com/company/grand-mutual-insurance-services/
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Follow us on LinkedIn
https://www.instagram.com/grandmutualinsurance/
https://www.instagram.com/grandmutualinsurance/
Follow us on Instagram

=20

ABOUT GMIS Grand Mutual Insurance Services (GMIS) is a full-service insuran=
ce agency that offers comprehensive personal and commercial coverage for in=
dividuals and companies of all sizes. Insurance solutions are customized to=
 meet the needs of our diverse client base, enabling them to protect their =
assets.Our goal is to find you the absolute best insurance options at highl=
y competitive prices, while maintaining the level of personalized service o=
ur clients expect and deserve.

=20
https://grandmutual.com/ Visit Our Website
mailto:info@grandmutual.com?subject=3DGMIS%20-%20January%202024%20Newslette=
r Email Us
tel:8887325994 Give us a Call

http://www.peakcorp.com

Copyright =C2=A9 2024 Grand Mutual Insurance Services. All rights reserved.
CA Insurance Lic. #OH85372 / National Producer #16632746

Our mailing address is:
5900 Canoga Ave, Suite 220, Woodland Hills, CA 91367

You are receiving this email as a current or former client of Grand Mutual =
Insurance Services (GMIS), or other related interested party.

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=09=09<td class=3D"txtsize" style=3D"border-collapse:collapse; mso-table-ls=
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e-rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-top:none none=
 none ;border-bottom:none none none;">
            =09<div class=3D"zpelement-wrapper image" coupcmp id=3D"elm_169=
2830884101" prodcmp style=3D";word-wrap:break-word;overflow:hidden;padding:=
0px;background-color:transparent;">
=09=09=09<div>
=09=09        <table align=3D"left" border=3D"0" cellpadding=3D"0" cellspac=
ing=3D"0" class=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rs=
pace:0pt;font-size:12px;text-align:left;padding:0px;border:0px;border-colla=
pse:collapse; mso-table-lspace:0pt; mso-table-rspace:0pt;word-break:break-w=
ord;width:100%;text-align:left;">
                    <tbody><tr><td class=3D"bannerimgpad" style=3D"border-c=
ollapse:collapse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, H=
elvetica, sans-serif; mso-table-rspace:0pt;font-size:12px;border:0px;paddin=
g:0px;text-align:center;padding-top:0px;padding-bottom:0px;padding-right:0p=
x;padding-left:0px;">
=09=09=09<a href=3D"https://bjagh-cmpzourl.maillist-manage.com/click/1d7e25=
ae48153fb6/1d7e25ae48143e2e" style=3D"text-decoration:underline;border:0px;=
" target=3D"_blank" zcurl_name=3D"l_3">
=09=09=09<img align=3D"left" alt=3D"https://stratus.campaign-image.com/imag=
es/972256000011581264_1_1695762494574_1455147748.jpg" class=3D"zpImage" hei=
ght=3D"auto" hspace=3D"0" size=3D"B" src=3D"https://stratus.campaign-image.=
com/images/972256000022429036_zc_v1_1705959527470_gmis___health_insurance_r=
equirement_2024_02.jpg" style=3D"width:600px;height:autopx;max-width:600px =
!important;border:0px;text-align:left;" vspace=3D"0" width=3D"600">
=09=09=09</a>
=09=09=09</td></tr>
=09=09=09</tbody></table>
=09=09</div>
            </div>
            </td></tr></tbody></table>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1667336816152" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1667336816152" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;padding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;=
 mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 100%;-web=
kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:19pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:30px;padding-bottom:8px;p=
adding-right:30px;padding-left:30px;">
             =09    =09=09<div componentpaddingbottom=3D"8px" componentpadd=
ingleft=3D"30px" componentpaddingright=3D"30px" componentpaddingtop=3D"30px=
" style><p align=3D"left" style=3D"font-family:Arial,verdana;font-size:12px=
; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: left;"=
><font face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style><f=
ont style><b style><font style=3D"font-size: 16pt;"><span></span><span></sp=
an></font></b></font></font></p><p style=3D"font-family:Arial,verdana;font-=
size:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-alig=
n: left;"><font face=3D"lato, helvetica neue, helvetica, arial, sans-serif"=
 style><font style><b style><font color=3D"#000000" style=3D"color: rgb(0, =
0, 0);"></font></b></font></font></p><p style=3D"font-family:Arial,verdana;=
font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text=
-align: left;"><font face=3D"lato, helvetica neue, helvetica, arial, sans-s=
erif" style><font style><b style><font color=3D"#000000" style=3D"color: rg=
b(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"col=
or: rgb(0, 0, 0);"></font></font></b></font></font></p><p style=3D"font-fam=
ily:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-=
height: 19pt; text-align: left;"><font face=3D"lato, helvetica neue, helvet=
ica, arial, sans-serif" style><font style><b style><font color=3D"#000000" =
style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helve=
tica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial,=
 Helvetica" style=3D"color: rgb(0, 0, 0);"></font></font></font></b></font>=
</font></p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000=
000;padding:0px;margin: 0;line-height: 19pt; text-align: left;"><font face=
=3D"lato, helvetica neue, helvetica, arial, sans-serif" style><font style><=
b style><font color=3D"#000000" style=3D"color: rgb(0, 0, 0);"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font=
 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"=
><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0=
, 0);"></font></font></font></font></b></font></font></p><p style=3D"font-f=
amily:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;lin=
e-height: 19pt; text-align: left;"><font face=3D"lato, helvetica neue, helv=
etica, arial, sans-serif"><span style=3D"font-size: 24px;"><b><span>Non-com=
pliance with health insurance mandates, as well as improper documentation c=
an and has led to significant fines & penalties.</span></b></span></font></=
p><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-ser=
if; color:#000000;line-height:1.7;font-family:Arial,verdana;font-size:12px;=
padding:0px;"></p><font face=3D"lato, helvetica neue, helvetica, arial, san=
s-serif" style><font style><b style><font color=3D"#000000" style=3D"color:=
 rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"=
color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" sty=
le=3D"color: rgb(0, 0, 0);">  </font></font></font></b></font></font><p sty=
le=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; colo=
r:#000000;line-height:1.7;font-family:Arial,verdana;font-size:12px;padding:=
0px;"></p><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, =
sans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;font-si=
ze:12px;padding:0px;"></p><p style=3D"margin: 0;padding: 0px;font-family:Ar=
ial, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family:Arial=
,verdana;font-size:12px;padding:0px;"></p><font face=3D"lato, helvetica neu=
e, helvetica, arial, sans-serif" style><font style><b style><span style=3D"=
font-size: 16pt;">  </span><span style=3D"font-size: 16pt;"> </span><span s=
tyle=3D"font-size: 16pt;"></span>  <span style=3D"font-size: 16pt;"> </span=
><span style=3D"font-size: 16pt;"></span> </b></font></font><p style=3D"mar=
gin: 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; color:#000000=
;line-height:1.7;font-family:Arial,verdana;font-size:12px;padding:0px;"></p=
></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1676405029794" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1676405029794" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;padding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;=
 mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 100%;-web=
kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:17pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:8px;padding-bottom:8px;pa=
dding-right:30px;padding-left:30px;">
             =09    =09=09<div componentlineheight=3D"17pt" componentpaddin=
gbottom=3D"8px" componentpaddingleft=3D"30px" componentpaddingright=3D"30px=
" componentpaddingtop=3D"8px" style=3D"line-height: 17pt;"><p align=3D"left=
" style=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color:=
#000000;padding:0px;margin: 0;text-align: left; line-height: 17pt;"><font f=
ace=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"font-si=
ze: 10pt; line-height: 17pt;"><font style=3D"line-height: 17pt;"><span styl=
e=3D"line-height: 17pt;"></span><span style=3D"line-height: 17pt;"></span><=
span style=3D"line-height: 17pt;"></span><span style=3D"line-height: 17pt;"=
></span><span style=3D"line-height: 17pt;"></span></font></font></p><p styl=
e=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color:#00000=
0;padding:0px;margin: 0;text-align: left; line-height: 17pt;"><font face=3D=
"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"line-height: =
17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" style=3D"=
color: rgb(0, 0, 0); line-height: 17pt;"></font></font></font></p><p style=
=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color:#000000=
;padding:0px;margin: 0;text-align: left; line-height: 17pt;"><font face=3D"=
lato, helvetica neue, helvetica, arial, sans-serif" style=3D"line-height: 1=
7pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" style=3D"c=
olor: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;">=
<span style=3D"font-family: Arial, Helvetica; background-color: transparent=
; line-height: 17pt;"><font style=3D"font-size: 10pt; line-height: 17pt;"><=
/font></span></font></font></font></font></p><p style=3D"line-height:1.7;fo=
nt-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0=
;text-align: left; line-height: 17pt;"><font face=3D"lato, helvetica neue, =
helvetica, arial, sans-serif" style=3D"line-height: 17pt;"><font style=3D"l=
ine-height: 17pt;"><font color=3D"#000000" style=3D"line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"line-height: 17pt;"></font></font></font></font></font></p>=
<p style=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color=
:#000000;padding:0px;margin: 0;text-align: left; line-height: 17pt;"><font =
face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"line-h=
eight: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" st=
yle=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"line-height: 17pt;"><font s=
tyle=3D"font-size: 10pt;"><font face=3D"Arial, Helvetica" style=3D"line-hei=
ght: 17pt;"></font><span></span></font></font></font></font></font></font><=
/p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padd=
ing:0px;margin: 0;line-height: 17pt; text-align: left;"><font face=3D"lato,=
 helvetica neue, helvetica, arial, sans-serif" style=3D"line-height: 17pt;"=
><font style=3D"line-height: 17pt;"><font color=3D"#000000" style=3D"line-h=
eight: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" st=
yle=3D"line-height: 17pt;"><font style><font color=3D"#000000" style=3D"col=
or: rgb(0, 0, 0); font-size: 12pt;">Remember, it's mandatory to offer healt=
h insurance to your team <u>each year</u> if you have 50+ employees, as wel=
l as collect written and signed declination forms from any employee who dec=
lines health insurance coverage.=C2=A0</font></font></font></font></font></=
font></font></p><font face=3D"lato, helvetica neue, helvetica, arial, sans-=
serif" style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><fon=
t color=3D"#000000" style=3D"line-height: 17pt;"><font style=3D"line-height=
: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"line-he=
ight: 17pt;"><span style=3D"background-color: transparent; font-size: 10pt;=
 font-family: Arial, Helvetica; line-height: 17pt;"></span></font></font></=
font></font></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, He=
lvetica, sans-serif; color:#000000;line-height:1.7;font-family:Arial,verdan=
a;font-size:12px;padding:0px;"></p><p style=3D"margin: 0;padding: 0px;font-=
family:Arial, Helvetica, sans-serif; color:#000000;line-height:1.7;font-fam=
ily:Arial,verdana;font-size:12px;padding:0px;"></p><font face=3D"lato, helv=
etica neue, helvetica, arial, sans-serif" style=3D"line-height: 17pt;"><fon=
t style=3D"line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(=
0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><span styl=
e=3D"font-size: 10pt; font-family: Arial, Helvetica; background-color: tran=
sparent; line-height: 17pt;"></span></font></font></font></font><p style=3D=
"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin=
: 0;line-height: 17pt;"></p><p style=3D"font-family:Arial,verdana;font-size=
:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt;"></p><font fa=
ce=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"font-siz=
e: 10pt; line-height: 17pt;"><font style=3D"line-height: 17pt;"><span style=
=3D"color: rgb(51, 51, 51); line-height: 17pt;"></span><font color=3D"#3333=
33" style=3D"line-height: 17pt;"><span style=3D"line-height: 17pt;"></span>=
<span style=3D"line-height: 17pt;"></span></font><span style=3D"color: rgb(=
51, 51, 51); line-height: 17pt;"><span style=3D"line-height: 17pt;"></span>=
</span><span style=3D"color: rgb(51, 51, 51); line-height: 17pt;"> </span> =
</font></font><p style=3D"font-family:Arial,verdana;font-size:12px; color:#=
000000;padding:0px;margin: 0;line-height: 17pt;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1705958990185" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1705958990185" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;padding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;=
 mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 100%;-web=
kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:17pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:8px;padding-bottom:8px;pa=
dding-right:30px;padding-left:30px;">
             =09    =09=09<div componentlineheight=3D"17pt" componentpaddin=
gbottom=3D"8px" componentpaddingleft=3D"30px" componentpaddingright=3D"30px=
" componentpaddingtop=3D"8px" style=3D"line-height: 17pt;"><p align=3D"left=
" style=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color:=
#000000;padding:0px;margin: 0;text-align: left; line-height: 17pt;"><font f=
ace=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"font-si=
ze: 10pt; line-height: 17pt;"><font style=3D"line-height: 17pt;"><span styl=
e=3D"line-height: 17pt;"></span><span style=3D"line-height: 17pt;"></span><=
span style=3D"line-height: 17pt;"></span><span style=3D"line-height: 17pt;"=
></span><span style=3D"line-height: 17pt;"></span></font></font></p><p styl=
e=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color:#00000=
0;padding:0px;margin: 0;text-align: left; line-height: 17pt;"><font face=3D=
"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"line-height: =
17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" style=3D"=
color: rgb(0, 0, 0); line-height: 17pt;"></font></font></font></p><p style=
=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color:#000000=
;padding:0px;margin: 0;text-align: left; line-height: 17pt;"><font face=3D"=
lato, helvetica neue, helvetica, arial, sans-serif" style=3D"line-height: 1=
7pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" style=3D"c=
olor: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;">=
<span style=3D"font-family: Arial, Helvetica; background-color: transparent=
; line-height: 17pt;"><font style=3D"font-size: 10pt; line-height: 17pt;"><=
/font></span></font></font></font></font></p><p style=3D"line-height:1.7;fo=
nt-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0=
;text-align: left; line-height: 17pt;"><font face=3D"lato, helvetica neue, =
helvetica, arial, sans-serif" style=3D"line-height: 17pt;"><font style=3D"l=
ine-height: 17pt;"><font color=3D"#000000" style=3D"line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"line-height: 17pt;"></font></font></font></font></font></p>=
<p style=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color=
:#000000;padding:0px;margin: 0;text-align: left; line-height: 17pt;"><font =
face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"line-h=
eight: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" st=
yle=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"line-height: 17pt;"><font s=
tyle=3D"font-size: 10pt;"><font face=3D"Arial, Helvetica" style=3D"line-hei=
ght: 17pt;"></font><span></span></font></font></font></font></font></font><=
/p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padd=
ing:0px;margin: 0;line-height: 17pt; text-align: left;"><font face=3D"lato,=
 helvetica neue, helvetica, arial, sans-serif" style=3D"line-height: 17pt;"=
><font style=3D"line-height: 17pt;"><font color=3D"#000000" style=3D"line-h=
eight: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" st=
yle=3D"line-height: 17pt;"><font style><font color=3D"#000000" style=3D"col=
or: rgb(0, 0, 0); font-size: 12pt;"><span><b>Compliance isn't just optional=
. It's the law.</b></span></font></font></font></font></font></font></font>=
</p><font face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=
=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#=
000000" style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><fo=
nt color=3D"#000000" face=3D"Arial, Helvetica" style=3D"line-height: 17pt;"=
><span style=3D"background-color: transparent; font-size: 10pt; font-family=
: Arial, Helvetica; line-height: 17pt;"></span></font></font></font></font>=
</font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, san=
s-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;font-size:=
12px;padding:0px;"></p><p style=3D"margin: 0;padding: 0px;font-family:Arial=
, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family:Arial,ve=
rdana;font-size:12px;padding:0px;"></p><font face=3D"lato, helvetica neue, =
helvetica, arial, sans-serif" style=3D"line-height: 17pt;"><font style=3D"l=
ine-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, 0, 0); li=
ne-height: 17pt;"><font style=3D"line-height: 17pt;"><span style=3D"font-si=
ze: 10pt; font-family: Arial, Helvetica; background-color: transparent; lin=
e-height: 17pt;"></span></font></font></font></font><p style=3D"font-family=
:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-hei=
ght: 17pt;"></p><p style=3D"font-family:Arial,verdana;font-size:12px; color=
:#000000;padding:0px;margin: 0;line-height: 17pt;"></p><font face=3D"lato, =
helvetica neue, helvetica, arial, sans-serif" style=3D"font-size: 10pt; lin=
e-height: 17pt;"><font style=3D"line-height: 17pt;"><span style=3D"color: r=
gb(51, 51, 51); line-height: 17pt;"></span><font color=3D"#333333" style=3D=
"line-height: 17pt;"><span style=3D"line-height: 17pt;"></span><span style=
=3D"line-height: 17pt;"></span></font><span style=3D"color: rgb(51, 51, 51)=
; line-height: 17pt;"><span style=3D"line-height: 17pt;"></span></span><spa=
n style=3D"color: rgb(51, 51, 51); line-height: 17pt;"> </span> </font></fo=
nt><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padd=
ing:0px;margin: 0;line-height: 17pt;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1705959252991" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1705959252991" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;padding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;=
 mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 100%;-web=
kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:19pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:8px;padding-bottom:8px;pa=
dding-right:30px;padding-left:30px;">
             =09    =09=09<div componentpaddingbottom=3D"8px" componentpadd=
ingleft=3D"30px" componentpaddingright=3D"30px" componentpaddingtop=3D"8px"=
 style><p align=3D"left" style=3D"font-family:Arial,verdana;font-size:12px;=
 color:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: left;">=
<font face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style><fo=
nt style><b style><font style=3D"font-size: 16pt;"><span></span><span></spa=
n></font></b></font></font></p><p style=3D"font-family:Arial,verdana;font-s=
ize:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-align=
: left;"><font face=3D"lato, helvetica neue, helvetica, arial, sans-serif" =
style><font style><b style><font color=3D"#000000" style=3D"color: rgb(0, 0=
, 0);"></font></b></font></font></p><p style=3D"font-family:Arial,verdana;f=
ont-size:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-=
align: left;"><font face=3D"lato, helvetica neue, helvetica, arial, sans-se=
rif" style><font style><b style><font color=3D"#000000" style=3D"color: rgb=
(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"></font></font></b></font></font></p><p style=3D"font-fami=
ly:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-h=
eight: 19pt; text-align: left;"><font face=3D"lato, helvetica neue, helveti=
ca, arial, sans-serif" style><font style><b style><font color=3D"#000000" s=
tyle=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvet=
ica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, =
Helvetica" style=3D"color: rgb(0, 0, 0);"></font></font></font></b></font><=
/font></p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#0000=
00;padding:0px;margin: 0;line-height: 19pt; text-align: left;"><font face=
=3D"lato, helvetica neue, helvetica, arial, sans-serif" style><font style><=
b style><font color=3D"#000000" style=3D"color: rgb(0, 0, 0);"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font=
 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"=
><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0=
, 0);"></font></font></font></font></b></font></font></p><p style=3D"font-f=
amily:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;lin=
e-height: 19pt; text-align: left;"><font face=3D"lato, helvetica neue, helv=
etica, arial, sans-serif"><span style=3D"font-size: 24px;"><b>Companies can=
 mitigate risks by:</b></span></font></p><p style=3D"margin: 0;padding: 0px=
;font-family:Arial, Helvetica, sans-serif; color:#000000;line-height:1.7;fo=
nt-family:Arial,verdana;font-size:12px;padding:0px;"></p><font face=3D"lato=
, helvetica neue, helvetica, arial, sans-serif" style><font style><b style>=
<font color=3D"#000000" style=3D"color: rgb(0, 0, 0);"><font color=3D"#0000=
00" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D=
"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);">  </font=
></font></font></b></font></font><p style=3D"margin: 0;padding: 0px;font-fa=
mily:Arial, Helvetica, sans-serif; color:#000000;line-height:1.7;font-famil=
y:Arial,verdana;font-size:12px;padding:0px;"></p><p style=3D"margin: 0;padd=
ing: 0px;font-family:Arial, Helvetica, sans-serif; color:#000000;line-heigh=
t:1.7;font-family:Arial,verdana;font-size:12px;padding:0px;"></p><p style=
=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; color:=
#000000;line-height:1.7;font-family:Arial,verdana;font-size:12px;padding:0p=
x;"></p><font face=3D"lato, helvetica neue, helvetica, arial, sans-serif" s=
tyle><font style><b style><span style=3D"font-size: 16pt;">  </span><span s=
tyle=3D"font-size: 16pt;"> </span><span style=3D"font-size: 16pt;"></span> =
 <span style=3D"font-size: 16pt;"> </span><span style=3D"font-size: 16pt;">=
</span> </b></font></font><p style=3D"margin: 0;padding: 0px;font-family:Ar=
ial, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family:Arial=
,verdana;font-size:12px;padding:0px;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1705949712604" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1705949712604" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;padding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;=
 mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 100%;-web=
kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:17pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:8px;padding-bottom:8px;pa=
dding-right:30px;padding-left:30px;">
             =09    =09=09<div componentlineheight=3D"17pt" componentpaddin=
gbottom=3D"8px" componentpaddingleft=3D"30px" componentpaddingright=3D"30px=
" componentpaddingtop=3D"8px" style=3D"line-height: 17pt;"><p align=3D"left=
" style=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color:=
#000000;padding:0px;margin: 0;text-align: left; line-height: 17pt;"><font f=
ace=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"font-si=
ze: 10pt; line-height: 17pt;"><font style=3D"line-height: 17pt;"><span styl=
e=3D"line-height: 17pt;"></span><span style=3D"line-height: 17pt;"></span><=
span style=3D"line-height: 17pt;"></span><span style=3D"line-height: 17pt;"=
></span><span style=3D"line-height: 17pt;"></span></font></font></p><p styl=
e=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color:#00000=
0;padding:0px;margin: 0;text-align: left; line-height: 17pt;"><font face=3D=
"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"line-height: =
17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" style=3D"=
color: rgb(0, 0, 0); line-height: 17pt;"></font></font></font></p><p style=
=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color:#000000=
;padding:0px;margin: 0;text-align: left; line-height: 17pt;"><font face=3D"=
lato, helvetica neue, helvetica, arial, sans-serif" style=3D"line-height: 1=
7pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" style=3D"c=
olor: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;">=
<span style=3D"font-family: Arial, Helvetica; background-color: transparent=
; line-height: 17pt;"><font style=3D"font-size: 10pt; line-height: 17pt;"><=
/font></span></font></font></font></font></p><p style=3D"line-height:1.7;fo=
nt-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0=
;text-align: left; line-height: 17pt;"><font face=3D"lato, helvetica neue, =
helvetica, arial, sans-serif" style=3D"line-height: 17pt;"><font style=3D"l=
ine-height: 17pt;"><font color=3D"#000000" style=3D"line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"line-height: 17pt;"></font></font></font></font></font></p>=
<p style=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color=
:#000000;padding:0px;margin: 0;text-align: left; line-height: 17pt;"><font =
face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"line-h=
eight: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" st=
yle=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"line-height: 17pt;"><font s=
tyle=3D"font-size: 10pt;"><font face=3D"Arial, Helvetica" style=3D"line-hei=
ght: 17pt;"></font><span></span></font></font></font></font></font></font><=
/p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padd=
ing:0px;margin: 0;line-height: 17pt; text-align: left;"><font face=3D"lato,=
 helvetica neue, helvetica, arial, sans-serif" style=3D"line-height: 17pt;"=
><font style=3D"line-height: 17pt;"><font color=3D"#000000" style=3D"line-h=
eight: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" st=
yle=3D"line-height: 17pt;"><font style><font color=3D"#000000" style=3D"col=
or: rgb(0, 0, 0); font-size: 12pt;">=E2=9C=85 <b>Providing Insurance Offer =
Every Year:</b> It's required by law to offer updated health insurance bene=
fits to all eligible employees <u>annually</u>.</font></font></font></font>=
</font></font></font></p><p style=3D"font-family:Arial,verdana;font-size:12=
px; color:#000000;padding:0px;margin: 0;line-height: 17pt; text-align: left=
;"><font face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=
=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#=
000000" style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><fo=
nt color=3D"#000000" style=3D"line-height: 17pt;"><font style><font color=
=3D"#000000" style=3D"color: rgb(0, 0, 0); font-size: 12pt;"><span>=E2=9C=
=85 <b>Documenting Declinations:</b> It's critical to collect declination f=
orms from any employee who declines health insurance coverage to ensure com=
pliance.
<b></b></span></font></font></font></font></font></font></font></p><font fa=
ce=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"line-hei=
ght: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" styl=
e=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"=
#000000" face=3D"Arial, Helvetica" style=3D"line-height: 17pt;"><span style=
=3D"background-color: transparent; font-size: 10pt; font-family: Arial, Hel=
vetica; line-height: 17pt;"></span></font></font></font></font></font><p st=
yle=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; col=
or:#000000;line-height:1.7;font-family:Arial,verdana;font-size:12px;padding=
:0px;"></p><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica,=
 sans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;font-s=
ize:12px;padding:0px;"></p><font face=3D"lato, helvetica neue, helvetica, a=
rial, sans-serif" style=3D"line-height: 17pt;"><font style=3D"line-height: =
17pt;"><font color=3D"#000000" style=3D"color: rgb(0, 0, 0); line-height: 1=
7pt;"><font style=3D"line-height: 17pt;"><span style=3D"font-size: 10pt; fo=
nt-family: Arial, Helvetica; background-color: transparent; line-height: 17=
pt;"></span></font></font></font></font><p style=3D"font-family:Arial,verda=
na;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt;">=
</p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;pad=
ding:0px;margin: 0;line-height: 17pt;"></p><font face=3D"lato, helvetica ne=
ue, helvetica, arial, sans-serif" style=3D"font-size: 10pt; line-height: 17=
pt;"><font style=3D"line-height: 17pt;"><span style=3D"color: rgb(51, 51, 5=
1); line-height: 17pt;"></span><font color=3D"#333333" style=3D"line-height=
: 17pt;"><span style=3D"line-height: 17pt;"></span><span style=3D"line-heig=
ht: 17pt;"></span></font><span style=3D"color: rgb(51, 51, 51); line-height=
: 17pt;"><span style=3D"line-height: 17pt;"></span></span><span style=3D"co=
lor: rgb(51, 51, 51); line-height: 17pt;"> </span> </font></font><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1705949807061" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1705949807061" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;padding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;=
 mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 100%;-web=
kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:19pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:8px;padding-bottom:8px;pa=
dding-right:30px;padding-left:30px;">
             =09    =09=09<div componentpaddingbottom=3D"8px" componentpadd=
ingleft=3D"30px" componentpaddingright=3D"30px" componentpaddingtop=3D"8px"=
 style><p align=3D"left" style=3D"font-family:Arial,verdana;font-size:12px;=
 color:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: left;">=
<font face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style><fo=
nt style><b style><font style=3D"font-size: 16pt;"><span></span><span></spa=
n></font></b></font></font></p><p style=3D"font-family:Arial,verdana;font-s=
ize:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-align=
: left;"><font face=3D"lato, helvetica neue, helvetica, arial, sans-serif" =
style><font style><b style><font color=3D"#000000" style=3D"color: rgb(0, 0=
, 0);"></font></b></font></font></p><p style=3D"font-family:Arial,verdana;f=
ont-size:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-=
align: left;"><font face=3D"lato, helvetica neue, helvetica, arial, sans-se=
rif" style><font style><b style><font color=3D"#000000" style=3D"color: rgb=
(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"></font></font></b></font></font></p><p style=3D"font-fami=
ly:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-h=
eight: 19pt; text-align: left;"><font face=3D"lato, helvetica neue, helveti=
ca, arial, sans-serif" style><font style><b style><font color=3D"#000000" s=
tyle=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvet=
ica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, =
Helvetica" style=3D"color: rgb(0, 0, 0);"></font></font></font></b></font><=
/font></p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#0000=
00;padding:0px;margin: 0;line-height: 19pt; text-align: left;"><font face=
=3D"lato, helvetica neue, helvetica, arial, sans-serif" style><font style><=
b style><font color=3D"#000000" style=3D"color: rgb(0, 0, 0);"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font=
 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"=
><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0=
, 0);"></font></font></font></font></b></font></font></p><p style=3D"font-f=
amily:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;lin=
e-height: 19pt; text-align: left;"><font face=3D"lato, helvetica neue, helv=
etica, arial, sans-serif" style=3D"font-size: 18pt;"><b style>Have question=
s or need assistance with these regulations? Get in touch with GMIS today:<=
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=09=09=09
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=09=09=09
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mges" style=3D"border-collapse:collapse; mso-table-lspace:0pt; font-size:12=
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"middle"> <a href=3D"https://bjagh-cmpzourl.maillist-manage.com/click/1d7e2=
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lock;font-size: 1px;" target=3D"_blank" zcurl_name=3D"l_6"><img alt=3D"Like=
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middle"><a href=3D"https://bjagh-cmpzourl.maillist-manage.com/click/1d7e25a=
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ght: normal;line-height: normal;text-align: center;text-decoration: none;" =
target=3D"_blank" zcurl_name=3D"l_7"><p fntname=3D"Arial" fntsze=3D"8" styl=
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or: rgb(27, 107, 189); font-size: 8pt;">Like Our Facebook Page</p></a> </td=
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;" valign=3D"middle"> <a href=3D"https://bjagh-cmpzourl.maillist-manage.com=
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" valign=3D"middle"><a href=3D"https://bjagh-cmpzourl.maillist-manage.com/c=
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ing=3D"0" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12=
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enter" name=3D"sclwdgtimges" style=3D"border-collapse:collapse; mso-table-l=
space:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-tab=
le-rspace:0pt;font-size:12px;border: none;padding: 0px;margin: 0px;padding-=
bottom: 6px;" valign=3D"middle"> <a href=3D"https://bjagh-cmpzourl.maillist=
-manage.com/click/1d7e25ae48153fb6/1d7e25ae48143e38" style=3D"text-decorati=
on:underline;display: block;font-size: 1px;" target=3D"_blank" zcurl_name=
=3D"l_10"><img alt=3D"Follow us on Instagram" height=3D"35" src=3D"https://=
stratus.campaign-image.com/images/972256000022429036_3_1705950219113_zcsclw=
gtinsta5.png" style=3D"border: 0px; margin: 0px; outline: none; text-decora=
tion: none; width: 30px; height: 30px;" vspace=3D"10" width=3D"35"></a> </t=
d></tr><tr><td align=3D"center" name=3D"sclwdgtcaptns" style=3D"border-coll=
apse:collapse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helv=
etica, sans-serif; mso-table-rspace:0pt;font-size:12px;border:none;padding:=
 0px;margin: 0px;" valign=3D"middle"><a href=3D"https://bjagh-cmpzourl.mail=
list-manage.com/click/1d7e25ae48153fb6/1d7e25ae48143e3a" style=3D"display: =
block;font-size: 1px;font-weight: normal;line-height: normal;text-align: ce=
nter;text-decoration: none;" target=3D"_blank" zcurl_name=3D"l_11"><p fntna=
me=3D"Arial" fntsze=3D"8" style=3D"font-family:Arial,verdana;font-size:12px=
; color:#000000;padding:0px;margin: 0;line-height: normal; font-family: Ari=
al, Helvetica, sans-serif; color: rgb(27, 107, 189); font-size: 8pt;">Follo=
w us on Instagram</p></a> </td></tr></tbody></table></td></tr></tbody></tab=
le></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></=
table></td></tr></tbody></table>=09
=09=09=09=09=09=09=09</td></tr>
=09=09=09            </tbody></table>=09
=09=09            </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1676501558849" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

=09<div class=3D"zpelement-wrapper zpcol-layout" id=3D"elm_1676501558849" s=
tyle=3D"word-wrap:break-word;padding-bottom:0 !important;overflow:hidden;pa=
dding:0px;margin:0px;">
=09<div class=3D"zpcolumns" elm_wid_start=3D"600" style=3D"padding:0px;marg=
in:0px;">
=09    =09 <table bgcolor=3D"transparent" cellpadding=3D"0" cellspacing=3D"=
0" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;bord=
er:0px;padding:0px;border-collapse:collapse; mso-table-lspace:0pt; mso-tabl=
e-rspace:0pt;width:100%;background-color:transparent;" width=3D"100%">
=09    <tbody><tr>
=09=09<td class=3D"txtsize" style=3D"border-collapse:collapse; mso-table-ls=
pace:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-tabl=
e-rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-top:none none=
 none;border-bottom:none none none;" valign=3D"top">
            =09<!--[if (gte mso 9)|(IE)]>
=09                <table cellpadding=3D"0" cellspacing=3D"0" style=3D" mso=
-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border:0px;padding:0=
px;border-collapse:collapse; mso-table-lspace:0pt;width:100%; mso-table-rsp=
ace:0pt;" width=3D"100%">
=09=09=09=09    <tbody><tr>
=09            <![endif]-->
=09=09=09
=09=09        <!--[if (gte mso 9)|(IE)]>
=09=09=09=09=09<td style=3D"font-size:12px;font-family:Arial, Helvetica, sa=
ns-serif;border:0px;padding:0px 0px;" align=3D"left" width=3D" 65.0%" valig=
n=3D"top">
=09            <![endif]-->        =20
=09=09=09=09  <table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" cla=
ss=3D"cols" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;max-width:390.0px;width:100%;border:0px;padding:0px;border-collapse:co=
llapse; mso-table-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;fl=
oat:left;" width=3D"100%">
=09=09=09=09<tbody><tr>
=09=09                <td class=3D"txtsize" style=3D"border-collapse:collap=
se; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, sans=
-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:0px;" valign=
=3D"top">
                                    <div class=3D"zpwrapper col-space" id=
=3D"pos_1676501558845" style=3D"padding:0px;">

=09=09
=09=09=09 <div class=3D"zpelement-wrapper divider" id=3D"elm_1676502100608"=
 style=3D";word-wrap:break-word;overflow:hidden;background-color:;">
=09=09=09 <table bgcolor border=3D"0" cellpadding=3D"0" cellspacing=3D"0" c=
lass=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;pa=
dding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;font-si=
ze:5px; mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 10=
0%;-webkit-text-size-adjust: 100%;background-color:;" width=3D"100%">
=09=09=09 <tbody><tr><td class=3D"txtsize" style=3D" mso-table-lspace:0pt; =
font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0=
pt;font-size:12px;border:0px;padding:10px 7px 10px 7px;border-collapse:coll=
apse;">
=09=09=09=09=09<div class=3D"divider" componentborder=3D"#dcdcdc" style=3D"=
margin:0px;padding:0px;text-align:center;"><table align=3D"center" border=
=3D"0" border-color=3D"#dcdcdc" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"dvdrtbl" style=3D"border-collapse:collapse;border-collapse:collapse; ms=
o-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border: 0px; font-s=
ize: 0px; width: 93%; margin: auto; border-collapse: initial;" width=3D"93%=
"> <tbody><tr><td align=3D"center" border-size=3D"1px" height=3D"0" style=
=3D"border-collapse:collapse; mso-table-lspace:0pt; font-size:12px;font-fam=
ily:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12px;borde=
r:0px;padding:7px;border-bottom: none rgb(220, 220, 220); border-left: none=
 rgb(220, 220, 220); border-right: none rgb(220, 220, 220); font-size: 0px;=
 margin: 0px; padding: 0px; width: 100%; border-top: 1px solid rgb(220, 220=
, 220);" width=3D"100%"> =C2=A0 =C2=A0 =C2=A0 </td> </tr></tbody></table></=
div>
=09=09=09</td></tr></tbody></table>
=09=09=09</div>

          <div class=3D"zpelement-wrapper" id=3D"elm_1676501558846" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;padding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;=
 mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 100%;-web=
kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:19pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:0px;padding-bottom:7px;pa=
dding-right:5px;padding-left:25px;">
             =09    =09=09<div componentpaddingbottom=3D"7px" componentpadd=
ingleft=3D"25px" componentpaddingright=3D"5px" componentpaddingtop=3D"0px" =
style><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;p=
adding:0px;margin: 0;line-height: 25pt; text-align: left; word-break: norma=
l; overflow-wrap: normal;"><font face=3D"Arial, Helvetica" style></font></p=
><h2 style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-ser=
if; color:#000000;color:#000000; font-weight:normal;font-family:Arial,verda=
na,Helvetica, sans-serif; color:#000000;font-size: 26px;"><font face=3D"Ari=
al, Helvetica" style><font color=3D"#fe5000" style=3D"font-size: 15pt;"><b =
style>ABOUT GMIS</b></font></font></h2><font face=3D"Arial, Helvetica" styl=
e><span style=3D"color: rgb(51, 51, 51);"><font style=3D"font-size: 10pt;">=
<b>Grand Mutual Insurance Services (GMIS)</b> is a full-service insurance a=
gency that offers comprehensive personal and commercial coverage for indivi=
duals and companies of all sizes. Insurance solutions are customized to mee=
t the needs of our diverse client base, enabling them to protect their asse=
ts.=C2=A0Our goal is to find you the absolute best insurance options at hig=
hly competitive prices, while maintaining the level of personalized service=
 our clients expect and deserve.</font></span></font><p style=3D"line-heigh=
t:1.7;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;m=
argin: 0;word-break: normal; overflow-wrap: normal;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
=09=09                    </div>=20
=09=09    </td></tr></tbody></table>
=09=09    <!--[if (gte mso 9)|(IE)]>
                      </td>
            <![endif]-->
=09=09=09
=09=09        <!--[if (gte mso 9)|(IE)]>
=09=09=09=09=09<td style=3D"font-size:12px;font-family:Arial, Helvetica, sa=
ns-serif;border:0px;padding:0px 0px;" align=3D"left" width=3D" 35.0%" valig=
n=3D"top">
=09            <![endif]-->        =20
=09=09=09=09  <table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" cla=
ss=3D"cols" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;max-width:210.0px;width:100%;border:0px;padding:0px;border-collapse:co=
llapse; mso-table-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;fl=
oat:left;" width=3D"100%">
=09=09=09=09<tbody><tr>
=09=09                <td class=3D"txtsize" style=3D"border-collapse:collap=
se; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, sans=
-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:0px;" valign=
=3D"top">
                                    <div class=3D"zpwrapper col-space" id=
=3D"pos_1676501558847" style=3D"padding:0px;">

=09=09
=09=09=09 <div class=3D"zpelement-wrapper divider" id=3D"elm_1676502175363"=
 style=3D";word-wrap:break-word;overflow:hidden;background-color:;">
=09=09=09 <table bgcolor border=3D"0" cellpadding=3D"0" cellspacing=3D"0" c=
lass=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;pa=
dding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;font-si=
ze:5px; mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 10=
0%;-webkit-text-size-adjust: 100%;background-color:;" width=3D"100%">
=09=09=09 <tbody><tr><td class=3D"txtsize" style=3D" mso-table-lspace:0pt; =
font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0=
pt;font-size:12px;border:0px;padding:10px 7px 10px 7px;border-collapse:coll=
apse;">
=09=09=09=09=09<div class=3D"divider" componentborder=3D"#dcdcdc" style=3D"=
margin:0px;padding:0px;text-align:center;"><table align=3D"center" border=
=3D"0" border-color=3D"#dcdcdc" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"dvdrtbl" style=3D"border-collapse:collapse;border-collapse:collapse; ms=
o-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border: 0px; font-s=
ize: 0px; width: 93%; margin: auto; border-collapse: initial;" width=3D"93%=
"> <tbody><tr><td align=3D"center" border-size=3D"1px" height=3D"0" style=
=3D"border-collapse:collapse; mso-table-lspace:0pt; font-size:12px;font-fam=
ily:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12px;borde=
r:0px;padding:7px;border-bottom: none rgb(220, 220, 220); border-left: none=
 rgb(220, 220, 220); border-right: none rgb(220, 220, 220); font-size: 0px;=
 margin: 0px; padding: 0px; width: 100%; border-top: 1px solid rgb(220, 220=
, 220);" width=3D"100%"> =C2=A0 =C2=A0 =C2=A0 </td> </tr></tbody></table></=
div>
=09=09=09</td></tr></tbody></table>
=09=09=09</div>

=09=09=09
=09=09 =09       =20
=09=09           =20
=09=09 =20



















=09<table bgcolor=3D"transparent" cellpadding=3D"0" cellspacing=3D"0" heigh=
t=3D"48" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12p=
x;border:0px;border-collapse:collapse; mso-table-lspace:0pt; mso-table-rspa=
ce:0pt;border:none;" width=3D"100%">
        <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:colla=
pse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, san=
s-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:7px 15px;bo=
rder-top:0px none #ffffff;border-bottom:0px none #ffffff;padding-top:15px;p=
adding-bottom:7px;padding-right:15px;padding-left:15px;">
        <div class=3D"zpelement-wrapper buttonElem" id=3D"elm_1676403325588=
" style=3D"overflow:hidden;word-wrap:break-word;">
=09    <div class=3D"zpAlignPos" style=3D"text-align:center;">
                <table align=3D"center" cellpadding=3D"0" cellspacing=3D"0"=
 style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border=
:none;padding:0px;border:0px;margin:0px auto;border-collapse:separate; mso-=
table-lspace:0pt; mso-table-rspace:0pt;">
                <tbody><tr>
                   <td align=3D"center" class=3D"txtsize" style=3D"border-c=
ollapse:collapse; mso-table-lspace:0pt; font-size:12px; mso-table-rspace:0p=
t;font-size:12px;border:0px;padding:0px;color:#ffffff;font-family:Arial;tex=
t-align:center;border-radius:0px;text-align:center;cursor:pointer;">
                         <!--[if mso]>
=09=09=09=09=09          <v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:=
vml" xmlns:w=3D"urn:schemas-microsoft-com:office:office" href=3D"https://bj=
agh-cmpzourl.maillist-manage.com/click/1d7e25ae48153fb6/1d7e25ae48143e2c" s=
tyle=3D"border-radius:0px;height:40px;v-text-anchor:middle;width:168px;" ar=
csize=3D"0%" strokecolor=3D"#ffffff" strokeweight =3D"0px" fillcolor=3D"#00=
0000">
=09=09=09=09=09          <v:stroke dashstyle=3D"solid" />
=09=09=09=09=09            <w:anchorlock/>
=09=09=09=09=09            <center style=3D"direction:ltr;color:#ffffff;fon=
t-family:Arial;font-size:11pt;">Visit Our Website</center>
=09=09=09=09=09          </v:roundrect>
        =09=09=09=09<![endif]-->
                        <a align=3D"center" href=3D"https://bjagh-cmpzourl.=
maillist-manage.com/click/1d7e25ae48153fb6/1d7e25ae48143e3c" style=3D"paddi=
ng:0px 0px;background-color:#000000;width:168px;height:40px;font-size:11pt;=
direction:ltr;font-family:Arial;color:#ffffff;cursor:pointer;text-decoratio=
n:none;border-radius:0px;border:0px solid #ffffff;border-collapse:separate;=
display:table;mso-hide:all;text-align:center;" target=3D"_blank" zcurl_name=
=3D"l_12">
=09=09=09=09=09=09=09<font style=3D"color:#ffffff;display:table-cell;vertic=
al-align:middle;">
                     =09=09   Visit Our Website
=09=09=09=09=09=09=09</font>
                        </a>
                    </td>
                </tr>
                </tbody></table>
            </div>
=09</div>
=09</td></tr></tbody></table>

=09=09=09
=09=09 =09       =20
=09=09           =20
=09=09 =20



















=09<table bgcolor=3D"transparent" cellpadding=3D"0" cellspacing=3D"0" heigh=
t=3D"48" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12p=
x;border:0px;border-collapse:collapse; mso-table-lspace:0pt; mso-table-rspa=
ce:0pt;border:none;" width=3D"100%">
        <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:colla=
pse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, san=
s-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:7px 15px;bo=
rder-top:0px none #ffffff;border-bottom:0px none #ffffff;padding-top:7px;pa=
dding-bottom:7px;padding-right:15px;padding-left:15px;">
        <div class=3D"zpelement-wrapper buttonElem" id=3D"elm_1676403668481=
" style=3D"overflow:hidden;word-wrap:break-word;">
=09    <div class=3D"zpAlignPos" style=3D"text-align:center;">
                <table align=3D"center" cellpadding=3D"0" cellspacing=3D"0"=
 style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border=
:none;padding:0px;border:0px;margin:0px auto;border-collapse:separate; mso-=
table-lspace:0pt; mso-table-rspace:0pt;">
                <tbody><tr>
                   <td align=3D"center" class=3D"txtsize" style=3D"border-c=
ollapse:collapse; mso-table-lspace:0pt; font-size:12px; mso-table-rspace:0p=
t;font-size:12px;border:0px;padding:0px;color:#ffffff;font-family:Arial;tex=
t-align:center;border-radius:0px;text-align:center;cursor:pointer;">
                         <!--[if mso]>
=09=09=09=09=09          <v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:=
vml" xmlns:w=3D"urn:schemas-microsoft-com:office:office" href=3D"mailto:inf=
o@grandmutual.com?subject=3DGMIS%20-%20January%202024%20Newsletter" style=
=3D"border-radius:0px;height:40px;v-text-anchor:middle;width:168px;" arcsiz=
e=3D"0%" strokecolor=3D"#ffffff" strokeweight =3D"0px" fillcolor=3D"#000000=
">
=09=09=09=09=09          <v:stroke dashstyle=3D"solid" />
=09=09=09=09=09            <w:anchorlock/>
=09=09=09=09=09            <center style=3D"direction:ltr;color:#ffffff;fon=
t-family:Arial;font-size:11pt;">Email Us</center>
=09=09=09=09=09          </v:roundrect>
        =09=09=09=09<![endif]-->
                        <a align=3D"center" href=3D"mailto:info@grandmutual=
.com?subject=3DGMIS%20-%20January%202024%20Newsletter" style=3D"padding:0px=
 0px;background-color:#000000;width:168px;height:40px;font-size:11pt;direct=
ion:ltr;font-family:Arial;color:#ffffff;cursor:pointer;text-decoration:none=
;border-radius:0px;border:0px solid #ffffff;border-collapse:separate;displa=
y:table;mso-hide:all;text-align:center;" target=3D"_blank">
=09=09=09=09=09=09=09<font style=3D"color:#ffffff;display:table-cell;vertic=
al-align:middle;">
                     =09=09   Email Us
=09=09=09=09=09=09=09</font>
                        </a>
                    </td>
                </tr>
                </tbody></table>
            </div>
=09</div>
=09</td></tr></tbody></table>

=09=09=09
=09=09 =09       =20
=09=09           =20
=09=09 =20



















=09<table bgcolor=3D"transparent" cellpadding=3D"0" cellspacing=3D"0" heigh=
t=3D"48" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12p=
x;border:0px;border-collapse:collapse; mso-table-lspace:0pt; mso-table-rspa=
ce:0pt;border:none;" width=3D"100%">
        <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:colla=
pse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, san=
s-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:7px 15px;bo=
rder-top:0px none #ffffff;border-bottom:0px none #ffffff;padding-top:7px;pa=
dding-bottom:7px;padding-right:15px;padding-left:15px;">
        <div class=3D"zpelement-wrapper buttonElem" id=3D"elm_1676501645656=
" style=3D"overflow:hidden;word-wrap:break-word;">
=09    <div class=3D"zpAlignPos" style=3D"text-align:center;">
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