Return-Path: <bounce_783884976+a.1d7e25ae4a2743e0_v28@mailb4.zgpvh.zcsend.net>
Delivered-To: andrew@sterlingcal.com
Received: from reseller401.webserversystems.com
	by reseller401.webserversystems.com with LMTP
	id kk3YJWiygmf/6wEAchKAPA
	(envelope-from <bounce_783884976+a.1d7e25ae4a2743e0_v28@mailb4.zgpvh.zcsend.net>)
	for <andrew@sterlingcal.com>; Sat, 11 Jan 2025 12:03:20 -0600
Return-path: <bounce_783884976+a.1d7e25ae4a2743e0_v28@mailb4.zgpvh.zcsend.net>
Envelope-to: andrew@sterlingcal.com
Delivery-date: Sat, 11 Jan 2025 12:03:20 -0600
Received: from sender-122.psu3.zcsend.net ([135.84.81.122]:55000)
	by reseller401.webserversystems.com with esmtps  (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_256_GCM_SHA384
	(Exim 4.96.2)
	(envelope-from <bounce_783884976+a.1d7e25ae4a2743e0_v28@mailb4.zgpvh.zcsend.net>)
	id 1tWfpP-000Whx-1d
	for andrew@sterlingcal.com;
	Sat, 11 Jan 2025 12:03:20 -0600
Received: from 172.30.236.14 by sender-122.psu3.zcsend.net
	with SMTP id 173661858805507954; Sat, 11 Jan 2025 10:03:07 -0800
DKIM-Signature: a=rsa-sha256; b=XtplCigujdlqA5OxrAjdDVP521Dp0B/xaLi650XZ4nCy5bJAPQ2nHfndoTlf8zBNZ+mXeYqOYXeutsPuBfT93nu6iyXG8haKglvyDF0H6fJ/juLkp+kF9lCRnYc5uOG6Y2iJBbkaIkYzAT1wyEm9gqOHofGbYh+b4CvydLllyS0=; c=simple/simple; s=81027; d=peakcompanies.net; v=1; bh=zaD9pdaiAeE6AkkYkVkU6F9lHt12kP+6EFP3THqSxGQ=; h=date:from:to:message-id:subject:mime-version:content-type:list-unsubscribe:list-unsubscribe-post:x-csa-complaints;
DKIM-Signature: a=rsa-sha256; b=qflHOjXU5KZk+FEojbuVK4soRMnMRBtgdYPMErOpwD3IcTIOQkbEf28rQ9GN0x5KGF42+nNmQiOQb7yOPzDBueso4nP2RMJA4buMXVhGr3eFaIPPK4LVg28qN82doV2yBJ312KvS9+N4BGLUnV6ZqLPNU4re37OshdJG4G6wZQU=; c=simple/simple; s=k1; d=mail3.zgpvh.zcsend.net; v=1; bh=zaD9pdaiAeE6AkkYkVkU6F9lHt12kP+6EFP3THqSxGQ=; h=date:from:to:message-id:subject:mime-version:content-type:list-unsubscribe:list-unsubscribe-post:x-csa-complaints;
Date: Sat, 11 Jan 2025 10:03:07 -0800 (PST)
From: "Sharon Ezra" <gminsuranceservices@peakcompanies.net>
To: andrew@sterlingcal.com
Message-ID: <zcb.3z15fd5604c3817555abb83f691d78640d3e2b67ec8e464635b5f5a20020c6a100.1d7e25ae4a2743e0.1736618587990@mailb4.zgpvh.zcsend.net>
Subject: Important Updates on Insurance Protections and Resources Amid Los
 Angeles Wildfires
MIME-Version: 1.0
Content-Type: multipart/alternative; 
	boundary="----=_Part_2280110_602130657.1736618587989"
List-Unsubscribe: <https://bjagh-zgph.maillist-manage.net/ua/optout?od=3z15fd5604c3817555abb83f691d78640d3e2b67ec8e464635b5f5a20020c6a100&rd=1d7e25ae4a2743e0&sd=1d7e25ae4a27372b&n=11699e4bf07642b>,<mailto:leave_783884976+1d7e25ae4a2743e0_1d7e25ae4a27372b@zcsend.net>
List-Unsubscribe-Post: List-Unsubscribe=One-Click
X-CSA-Complaints: csa-complaints@eco.de
Reply-To: gminsuranceservices@peakcompanies.net
X-JID: 3z15fd5604c3817555abb83f691d78640d3e2b67ec8e464635b5f5a20020c6a100.1d7e25ae4a26fda9
X-campaignid: zohocampaigns.3z15fd5604c3817555abb83f691d78640d3e2b67ec8e464635b5f5a20020c6a100.zcb.1d7e25ae4a2743e0.11699e4bf07642b
X-Zoho-RID: zohocampaigns.3z15fd5604c3817555abb83f691d78640d3e2b67ec8e464635b5f5a20020c6a100.zcb.1d7e25ae4a2743e0.11699e4bf07642b
X-Mailer: Zoho Campaigns
X-Report-Abuse: <Please send a copy of this message along with header to abuse+3z15fd5604c3817555abb83f691d78640d3e2b67ec8e464635b5f5a20020c6a100_zcb_1d7e25ae4a2743e0@zohocampaigns.com>, <https://bjagh-zgph.maillist-manage.net/campaigns/ReportAbuse.zc?od=3z15fd5604c3817555abb83f691d78640d3e2b67ec8e464635b5f5a20020c6a100&rd=1d7e25ae4a2743e0&sd=1d7e25ae4a27372b&n=11699e4bf07642b>
X-Spam-Status: No, score=-4.1
X-Spam-Score: -40
X-Spam-Bar: ----
X-Spam-Flag: NO

------=_Part_2280110_602130657.1736618587989
Content-Type: text/plain;charset="UTF-8"
Content-Transfer-Encoding: quoted-printable



https://grandmutual.com/

Dear Andrew,

We hope this message finds you and your loved ones safe during these challe=
nging times. In response to the recent wildfires affecting Los Angeles and =
surrounding areas, California Insurance Commissioner Ricardo Lara has annou=
nced several measures and resources to support residents and policyholders.
###

###

### One-Year Moratorium on Policy Non-Renewals

Commissioner Lara has implemented a mandatory one-year moratorium preventin=
g insurance companies from non-renewing residential property insurance poli=
cies in areas affected by wildfires. This protection applies to policies in=
 ZIP codes within or adjacent to wildfire perimeters, ensuring homeowners m=
aintain essential coverage during recovery.
###

###

###
### Retroactive Moratorium on Cancellations

In addition to the one-year moratorium, a retroactive moratorium is in plac=
e for the past 90 days in affected areas. This measure ensures that cancell=
ations during this period are being reviewed for compliance, offering furth=
er protection to policyholders.
###

###

###

###
### Workshops and Seminars for Fire Survivors

###

###

###

To further support those impacted, Commissioner Lara announced free two-day=
 insurance support workshops :
* https://www.insurance.ca.gov/0400-news/0102-alerts/2025/Commissioner-Rica=
rdo-Lara-Insurance-Supp.cfm January 18=E2=80=9319 in Santa Monica [ https:/=
/www.insurance.ca.gov/0400-news/0102-alerts/2025/Commissioner-Ricardo-Lara-=
Insurance-Supp.cfm ]
* https://www.insurance.ca.gov/0400-news/0102-alerts/2025/Pasadena-Commissi=
oner-Ricardo-Lara-Ins.cfm January 25=E2=80=9326 in Pasadena

These workshops are designed to help survivors understand their insurance p=
olicies, navigate the claims process, and access resources for rebuilding a=
nd recovery. =F0=9F=93=9E Call 800-927-4357 to schedule a one-on-one appoin=
tment with a Department of Insurance expert.

###
### Key Policyholder Protections

###

###

###

###
###
Here are some significant protections now in place:
* Extended Time for Replacement Costs: Insured individuals have up to 36 mo=
nths after the first payment to collect full replacement costs for losses r=
elated to a state of emergency, with additional six-month extensions for go=
od cause.
* Coverage for Temporary Living Expenses: Policies provide at least 24 mont=
hs of additional living expense coverage in a state of emergency, with exte=
nsions up to 36 months for delays beyond the insured=E2=80=99s control.
* Advance Payments for Living Expenses: Insurers must provide an advance pa=
yment of at least four months of living expenses for total loss claims in a=
 state of emergency.

###

### Our Commitment to You

At Grand Mutual Insurance Services, we are here to support you during this =
difficult time. If you have questions about your policy, need assistance wi=
th claims, or require guidance on these resources, please don=E2=80=99t hes=
itate to reach out:
* Phone Assistance: tel:(888) 893-8207 (888) 732-5994
* Email Assistance: mailto:info@grandmutual.com?subject=3DImportant%20Updat=
es%20on%20Insurance%20Protections%20and%20Resources%20Amid%20Los%20Angeles%=
20Wildfires info@grandmutual.com

###
### Additional Resources

For more detailed information on these announcements and to verify if your =
area is included in the moratorium, please visit the California Department =
of Insurance=E2=80=99s website: https://www.insurance.ca.gov/01-consumers/1=
40-catastrophes/MandatoryOneYearMoratoriumNonRenewals.cfm Mandatory One-Yea=
r Moratorium on Non-Renewals .

We are here to help you through this challenging time. Please stay safe, an=
d let us know how we can assist you.

Warm Regards,
Team at Grand Mutual Insurance Services

Stay Connected - Follow our Social Media Channels!
https://www.facebook.com/grandmutual
https://www.facebook.com/grandmutual
Like Our Facebook Page
https://www.linkedin.com/company/grand-mutual-insurance-services/
https://www.linkedin.com/company/grand-mutual-insurance-services/
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 insurance agency t=
hat offers comprehensive personal and commercial coverage for individuals a=
nd companies of all sizes. Insurance solutions are customized to meet the n=
eeds of our diverse client base, enabling them to protect their assets.Our =
goal is to find you the absolute best insurance options at highly competiti=
ve prices, while maintaining the level of personalized service our clients =
expect and deserve.

=20
https://grandmutual.com/ Visit Our Website
mailto:info@grandmutual.com?subject=3DImportant%20Updates%20on%20Insurance%=
20Protections%20and%20Resources%20Amid%20Los%20Angeles%20Wildfires Email Us
tel:(888) 893-8207 Give us a Call

https://peakcorp.com/

Copyright =C2=A9 2025 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.






----------------------------------------------------------------------
This email was sent by gminsuranceservices@peakcompanies.net to andrew@ster=
lingcal.com

Want to change how you receive these emails? Unsubscribe - https://bjagh-zg=
ph.maillist-manage.net/ua/optout?od=3D3z15fd5604c3817555abb83f691d78640d3e2=
b67ec8e464635b5f5a20020c6a100&rd=3D1d7e25ae4a2743e0&sd=3D1d7e25ae4a27372b&n=
=3D11699e4bf07642b
  =20



The Peak Companies | =C2=A9 2022=20





------=_Part_2280110_602130657.1736618587989
Content-Type: text/html;charset="UTF-8"
Content-Transfer-Encoding: quoted-printable

<html xmlns=3D"http://www.w3.org/1999/xhtml" xmlns:o=3D"urn:schemas-microso=
ft-com:office:office" xmlns:v=3D"urn:schemas-microsoft-com:vml"><head><titl=
e>Important Updates on Insurance Protections and Resources Amid Los Angeles=
 Wildfires</title><!--[if gte mso 9]><xml><o:OfficeDocumentSettings><o:Allo=
wPNG/><o:PixelsPerInch>96</o:PixelsPerInch></o:OfficeDocumentSettings></xml=
><![endif]--><!--[if !mso]><!--><link href=3D"https://fonts.googleapis.com/=
css?family=3DLato:400,400i,700,700i|Open+sans:400,400i,700,700i" rel=3D"sty=
lesheet"><!--<![endif]-->
=09<meta content=3D"width=3Ddevice-width" name=3D"viewport">
=09<style>
=09/* #### Mobile Phones Portrait #### */
=09/* #### iPhone 4+ Portrait or Landscape #### */
=09@media only screen and (max-width: 480px){
=09=09table[class=3DcontentInner] {width:100% !important;padding:0px;margin=
:0px;}
=09=09img[class=3DzpImage]{width:100% !important;max-width: 360px !importan=
t;text-align:center;margin:0px;padding:0px}=20
=09=09body, table, td, p, li,div,span, blockquote{-webkit-text-size-adjust:=
none !important;margin:0px auto;line-height:1.7}
=09=09table[class=3DzpImageCaption]{text-align:left;}
=09=09table[class=3Dcols]{width:100% !important;max-width:100% !important;t=
ext-align:left;}
=09=09table[class=3Dzpcolumns] {text-align:left;margin:0px;}=20
=09=09table[class=3Dzpcolumn] {text-align:left;margin:0px;}=20
=09=09table[class=3DzpAlignPos]{width:100%;text-align:left;margin:0px;}=20
=09=09td[class=3Dtxtsize]{font-size:18px !important;}
=09=09td[class=3Dpaddingcomp]{ padding-left: 15px !important; padding-right=
: 15px !important }
=09=09td[class=3Dbannerimgpad]{padding:0px !important;}
=09=09span[class=3Dtxtsize]{font-size:18px !important;}
=09=09img[size =3D "B"]{width: 100% !important;max-width:100% !important;ma=
rgin: 0px !important;padding:0px !important;}
=09=09img[size =3D "F"]{width: 100% !important;max-width:100% !important;ma=
rgin: 0px !important;padding:0px !important;}
=09=09img[size =3D "S"]{width:105px !important; height:auto; margin:0px aut=
o !important;padding:0px !important;}
=09=09img[size =3D "M"]{width:277.869px !important;height:auto;margin:0px a=
uto !important;padding:0px !important;}
=09=09h1{
=09=09=09font-size:28px !important;
=09=09=09line-height:100% !important;
=09=09}
=09=09h2{
=09=09=09font-size:24px !important;
=09=09=09line-height:100% !important;
=09=09}
=09=09h3{
=09=09=09font-size:20px !important;
=09=09=09line-height:100% !important;
=09=09}
=09=09h4{
=09=09=09font-size:18px !important;
=09=09=09line-height:100% !important;
=09=09}
=09=09}=09=09
=09=09@media only screen and (max-width: 480px){
=09=09.zpImage{
=09=09=09height:auto !important;
=09=09=09width:100% !important;
=09=09}}
=09=09@media only screen and (max-width: 480px){
=09=09.contentInner,.cols,.zpAlignPos{
=09=09=09width:100% !important;
=09=09=09max-width:100% !important;
=09=09}}
=09=09@media only screen and (max-width: 480px){
=09=09.paddingcomp{
=09=09=09padding-left: 15px !important;
=09=09=09padding-right: 15px !important;=20
=09=09}
=09=09.bannerimgpad{
=09=09=09padding:0px !important;
=09=09}
=09=09.buttonElem a
=09=09{
=09=09=09max-width: 320px !important;
=09=09}
=09}
=09=09@media screen and (max-width: 480px)
        {
                .tmplheader,.tmplfooter{width:100% !important;max-width:400=
px !important;margin:0px auto;text-align:center;}
        }
=09=09a[x-apple-data-detectors] {
=09=09    color: inherit !important;
=09=09    text-decoration: none !important;
=09=09    font-size: inherit !important;
=09=09    font-family: inherit !important;
=09=09    font-weight: inherit !important;
=09=09    line-height: inherit !important;
=09=09}
=09=09
=09=09</style>
<meta content=3D"text/html;charset=3DUTF-8" http-equiv=3D"Content-Type"></h=
ead><body bgcolor=3D"#efefef" style=3D"margin:0; padding:0;font-family:Aria=
l, Helvetica, sans-serif; font-size:12px; color:#000000;"><!--[if !mso 9]><=
!--><span style=3D'font-size:0px;max-width: 0px;max-height: 0px;mso-hide:al=
l;display:block;'>  </span><!--<![endif]--><table id=3D"headerWrapper" cell=
spacing=3D"0" cellpadding=3D"0" width=3D"100%" align=3D"center" bgcolor=3D"=
#efefef" style=3D"width:100%;background-color:#efefef;"><tr><td>&nbsp;</td>=
<td><table  class=3D"tmplheader" cellspacing=3D"0" cellpadding=3D"0"  align=
=3D"center" width=3D"600px" style=3D"max-width:600px;width:600px;"><tr><td>=
<head>
        <meta name=3D"viewport" content=3D"width=3Ddevice-width">
         <style>
            @media screen and (max-width: 480px)
            {
=09                table[class=3Dtmplfooter]{width:100% !important;max-widt=
h:100% !important; text-align:left;}=20
=09                table[class=3Dtmplheader]{width:100% !important; max-wid=
th:100% !important; text-align:left;}=20
=09                /*div[class=3Dtxtsize]{text-align:left}=20
                        td[class=3Dtxtsize]{text-align:left}*/
            }
            @media screen and (min-width: 320px) and (max-width: 480px) and=
 (orientation : portrait){
            {
=09                table[class=3Dtmplfooter]{width:100% !important;max-widt=
h:100% !important; text-align:left;}=20
=09                table[class=3Dtmplheader]{width:100% !important; max-wid=
th:100% !important; text-align:left;}=20
=09                /*div[class=3Dtxtsize]{text-align:left}=20
                        td[class=3Dtxtsize]{text-align:left}*/
            }
            @media screen and (max-width: 598px)
            {
=09                table[class=3Dtmplfooter]{width:100% !important;max-widt=
h:100% !important; text-align:left;}=20
=09                table[class=3Dtmplheader]{width:100% !important; max-wid=
th:100% !important; text-align:left;}=20
=09                /*div[class=3Dtxtsize]{text-align:left}=20
                        td[class=3Dtxtsize]{text-align:left}*/
            }
        </style>
</head>
<table cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"backgrou=
nd-color:#f8f8f8;color:#333;font-size:11px;border-color:#cccccc;border-widt=
h:1px;font-family:Arial;border-style:solid;" id=3D"HEADER">
        <tr><td align=3D"center">
<div>
                        <table style=3D"color:#333;font-size:11px;font-fami=
ly:Arial; text-align:center;padding:5px;;width:600px;" class=3D"tmplheader"=
  align=3D"center" id=3D"H_INNER"><tr><td><div class=3D"txtsize" style=3D"c=
olor:#333;font-size:11px;font-family:Arial;">&nbsp;<a target=3D"_blank" hre=
f=3D"https://bjagh-zgph.campaign-view.com/ua/viewinbrowser?od=3D3z15fd5604c=
3817555abb83f691d78640d3e2b67ec8e464635b5f5a20020c6a100&rd=3D1d7e25ae4a2743=
e0&sd=3D1d7e25ae4a27372b&n=3D11699e4bf07642b&mrd=3D1d7e25ae4a2736ff&m=3D1" =
style=3D"color:#000000;font-size:11px;font-family:Arial;"><span style=3D'co=
lor:#000000;font-size:11px;font-family:Arial;'>View this email in a browser=
</span></a></div></td></tr></table>
</div>
        </td></tr>
</table></td></tr></table></td><td>&nbsp;</td></tr></table><center>=20
<div class=3D"zppage-container">                                           =
              =20
=09=09<table bgcolor=3D"#efefef" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" class=3D"contentOuter" id=3D"contentOuter" style=3D"background-color=
:#f0f0f0;background-color:#efefef; mso-table-lspace:0pt; mso-table-rspace:0=
pt;font-size:12px;text-align:center;border:0px;padding:0px;border-collapse:=
collapse; mso-table-lspace:0pt; mso-table-rspace:0pt;" width=3D"100%">=20
=09=09=09<tbody><tr>=20
=09=09=09=09<td style=3D" mso-table-lspace:0pt; font-size:12px;font-family:=
Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12px;border:0p=
x;padding:0px;border-collapse:collapse; mso-table-lspace:0pt; mso-table-rsp=
ace:0pt;">&nbsp;</td>
=09=09=09=09<td align=3D"center" style=3D" mso-table-lspace:0pt; font-size:=
12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-si=
ze:12px;border:0px;padding:0px;border-collapse:collapse; mso-table-lspace:0=
pt; mso-table-rspace:0pt;">
=09=09=09=09=09<table bgcolor=3D"#ffffff" border=3D"0" cellpadding=3D"0" ce=
llspacing=3D"0" class=3D"contentInner" id=3D"contentInner" style=3D"border-=
collapse:collapse; border:0px;font-size:12px;border-collapse:collapse; mso-=
table-lspace:0pt; mso-table-rspace:0pt;background-color:#ffffff;background-=
color:#ffffff;width:600px;margin:0px auto;border:0px;" width=3D"600">=20
=09=09=09=09=09<tbody><tr>=20
=09=09=09=09=09<td height=3D"570" style=3D"border-collapse:collapse; mso-ta=
ble-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; ms=
o-table-rspace:0pt;font-size:12px;border:0px;padding:0px;" valign=3D"top">
=09=09=09=09=09 =09<a name=3D"Top" style=3D"text-decoration:underline;"></a=
>
    <div baseposition=3D"pos_YrobDQg7SAqnBt5RUo4dhQ" class=3D"zpcontent-wra=
pper" id=3D"page-container">
    <table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" id=3D"page-cont=
ainer" style=3D" mso-table-lspace:0pt;font-size:12px;border:0px;padding:0px=
;border-collapse:collapse; mso-table-lspace:0pt;mso-table-rspace:0pt;text-d=
ecoration:none !important;" width=3D"100%">
<tbody><tr><td class=3D"txtsize" id=3D"elm_1694455031915" style=3D" mso-tab=
le-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso=
-table-rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse=
:collapse;" valign=3D"top">

=09    =09<table bgcolor=3D"#fe5000" border=3D"0" cellpadding=3D"0" cellspa=
cing=3D"0" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:1=
2px;border:0px;padding:0px;width:100%;border-collapse:collapse; mso-table-l=
space:0pt; mso-table-rspace:0pt;word-break:break-word;background-color:#fe5=
000;">
=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;">
            =09<div class=3D"zpelement-wrapper image" coupcmp id=3D"elm_169=
4455031915" prodcmp style=3D";word-wrap:break-word;overflow:hidden;padding:=
0px;background-color:#fe5000;">
=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;">
            =09=09<tbody><tr><td class=3D"paddingcomp" 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:0px;padding:7=
px 15px;text-align:center;padding-top:20px;padding-bottom:20px;padding-righ=
t:15px;padding-left:15px;">
=09=09=09<a href=3D"https://bjagh-zgph.maillist-manage.net/click/1d7e25ae4a=
2743e0/1d7e25ae4a270086" style=3D"text-decoration:underline;border:0px;" ta=
rget=3D"_blank" zcurl_name=3D"l_1">
=09=09=09<img align=3D"left" alt=3D"https://stratus.campaign-image.com/imag=
es/972256000015111515_1_1699659105852_rgb.png" class=3D"zpImage" height=3D"=
auto" hspace=3D"0" size=3D"M" src=3D"https://stratus.campaign-image.com/ima=
ges/972256000057212331_4_1736564444196_rgb.png" style=3D"width:300px;height=
:autopx;max-width:300px !important;border:0px;text-align:left;" vspace=3D"0=
" width=3D"300">
=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_1699659155326" 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=20

=09          <div class=3D"zpelement-wrapper spacebar" id=3D"elm_1699659155=
326" style=3D";word-wrap:break-word;overflow:hidden;background-color:transp=
arent;">
=09=09=09=09=09
=09=09=09=09=09 <table bgcolor=3D"transparent" border=3D"0" cellpadding=3D"=
0" cellspacing=3D"0" class=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; m=
so-table-rspace:0pt;padding:0px;border:0px;border-collapse:collapse; mso-ta=
ble-lspace:0pt;font-size:5px; mso-table-rspace:0pt;word-break:break-word;-m=
s-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;height:10px;" width=
=3D"100%">

=09                        <tbody><tr><td style=3D"border-collapse:collapse=
; mso-table-lspace:0pt;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;padding:0px;border:0px;font-size:5px;height:10px;border-top:none=
 none none;border-bottom:none none none;">

=09                        &nbsp;&nbsp;&nbsp;

=09                        </td></tr>

=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:40px;padding-bottom:5px;p=
adding-right:30px;padding-left:30px;">
             =09    =09=09<div componentlineheight=3D"17pt" componentpaddin=
gbottom=3D"5px" componentpaddingleft=3D"30px" componentpaddingright=3D"30px=
" componentpaddingtop=3D"40px" style=3D"line-height: 17pt;"><p align=3D"lef=
t" 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 =
style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font face=
=3D"open sans, helvetica neue, helvetica, arial, sans-serif" style=3D"font-=
size: 10pt; line-height: 17pt;"><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></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 =
style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=
=3D"#000000" face=3D"open sans, helvetica neue, helvetica, arial, sans-seri=
f" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"></font></font></font><=
/p><p align=3D"center" style=3D"line-height:1.7;font-family:Arial,verdana;f=
ont-size:12px; color:#000000;padding:0px;margin: 0;text-align: center; line=
-height: 17pt;"><font style=3D"line-height: 17pt;"><font style=3D"line-heig=
ht: 17pt;"><font color=3D"#000000" face=3D"open sans, helvetica neue, helve=
tica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font color=3D"#000000" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><=
/font></font></font></font></p><p align=3D"center" style=3D"line-height:1.7=
;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin=
: 0;text-align: center; line-height: 17pt;"><font style=3D"line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"open=
 sans, helvetica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0,=
 0, 0); line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"open sans, helve=
tica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); font=
-size: 10pt; line-height: 17pt;"></font></font></font></font></font></p><sp=
an style=3D"line-height: 17pt;"><font style><p align=3D"center" style=3D"li=
ne-height:1.7;font-family:Arial,verdana; color:#000000;padding:0px;margin: =
0;font-size: 10pt; text-align: center; line-height: 17pt;"><font color=3D"#=
000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height=
: 17pt;"><font style=3D"line-height: 17pt; font-size: 10pt;"></font></font>=
</p><p style=3D"line-height:1.7;font-family:Arial,verdana; color:#000000;pa=
dding:0px;margin: 0;font-size: 10pt; text-align: left; line-height: 17pt;">=
<font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0,=
 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"=
#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-heigh=
t: 17pt; font-size: 10pt;"><span></span></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=3D"#00=
0000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font style=
=3D"font-size: 10pt;"><span></span></font></font></font></font></font></p><=
p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:=
0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000"=
 face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;=
"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial,=
 Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font=
 style=3D"font-size: 10pt;"><font color=3D"#000000" face=3D"Arial, Helvetic=
a" style=3D"color: rgb(0, 0, 0);">Dear Andrew,</font></font></font></font><=
/font></font></p></font></span><font style><font color=3D"#000000" face=3D"=
Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font s=
tyle=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetic=
a" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=3D"#000000=
" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><span style=3D"f=
ont-size: 10pt;"></span></font></font></font></font><p style=3D"margin: 0;p=
adding: 0px;font-family:Arial, Helvetica, sans-serif; color:#000000;line-he=
ight:1.7;font-family:Arial,verdana;font-size:12px;padding:0px;"></p></font>=
<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;pa=
dding:0px;"></p><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"=
color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"=
>
</font></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helveti=
ca, sans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;fon=
t-size:12px;padding:0px;"></p><p align=3D"center" style=3D"line-height:1.7;=
font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin:=
 0;text-align: center; line-height: 17pt;"><font style=3D"line-height: 17pt=
;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"open =
sans, helvetica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, 0=
, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"open sans, helvet=
ica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); font-=
size: 10pt; line-height: 17pt;"></font></font></font></font></font></p><p s=
tyle=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;fo=
nt-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt;"></p><=
font style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font =
face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"font-s=
ize: 10pt; line-height: 17pt;"><span style=3D"color: rgb(51, 51, 51); line-=
height: 17pt;"></span></font><font color=3D"#333333" style=3D"font-size: 10=
pt; font-family: lato, &quot;helvetica neue&quot;, helvetica, arial, sans-s=
erif; line-height: 17pt;"><span style=3D"line-height: 17pt;"></span><span s=
tyle=3D"line-height: 17pt;"></span></font><span style=3D"font-size: 10pt; f=
ont-family: lato, &quot;helvetica neue&quot;, helvetica, arial, sans-serif;=
 color: rgb(51, 51, 51); line-height: 17pt;"><span style=3D"line-height: 17=
pt;"></span></span><span style=3D"font-size: 10pt; font-family: lato, &quot=
;helvetica neue&quot;, helvetica, arial, sans-serif; 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: 17=
pt;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1713822140635" 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_1713822140635" 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:5px;padding-bottom:5px;pa=
dding-right:30px;padding-left:30px;">
             =09    =09=09<div componentlineheight=3D"17pt" componentpaddin=
gbottom=3D"5px" componentpaddingleft=3D"30px" componentpaddingright=3D"30px=
" componentpaddingtop=3D"5px" 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 s=
tyle=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font face=
=3D"open sans, helvetica neue, helvetica, arial, sans-serif" style=3D"font-=
size: 10pt; line-height: 17pt;"><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></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 =
style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=
=3D"#000000" face=3D"open sans, helvetica neue, helvetica, arial, sans-seri=
f" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"></font></font></font><=
/p><p align=3D"center" style=3D"line-height:1.7;font-family:Arial,verdana;f=
ont-size:12px; color:#000000;padding:0px;margin: 0;text-align: center; line=
-height: 17pt;"><font style=3D"line-height: 17pt;"><font style=3D"line-heig=
ht: 17pt;"><font color=3D"#000000" face=3D"open sans, helvetica neue, helve=
tica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font color=3D"#000000" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><=
/font></font></font></font></p><p align=3D"center" style=3D"line-height:1.7=
;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin=
: 0;text-align: center; line-height: 17pt;"><font style=3D"line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"open=
 sans, helvetica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0,=
 0, 0); line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"open sans, helve=
tica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); font=
-size: 10pt; line-height: 17pt;"></font></font></font></font></font></p><sp=
an style=3D"line-height: 17pt;"><font style><p align=3D"center" style=3D"li=
ne-height:1.7;font-family:Arial,verdana; color:#000000;padding:0px;margin: =
0;font-size: 10pt; text-align: center; line-height: 17pt;"><font color=3D"#=
000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height=
: 17pt;"><font style=3D"line-height: 17pt; font-size: 10pt;"></font></font>=
</p><p style=3D"line-height:1.7;font-family:Arial,verdana; color:#000000;pa=
dding:0px;margin: 0;font-size: 10pt; text-align: left; line-height: 17pt;">=
<font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0,=
 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"=
#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-heigh=
t: 17pt; font-size: 10pt;"><span></span></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=3D"#00=
0000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font style=
=3D"font-size: 10pt;"><span></span></font></font></font></font></font></p><=
p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:=
0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000"=
 face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;=
"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial,=
 Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font=
 style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rg=
b(0, 0, 0); font-size: 10pt;"></font></font></font></font></font></font></p=
><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;paddin=
g:0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#00000=
0" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Aria=
l, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font=
 style><font color=3D"#000000" face=3D"Arial, Helvetica" 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-size: 10pt;"></font></font></font></font></font></fo=
nt></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#=
000000;padding:0px;margin: 0;line-height: 17pt; text-align: left;"><font co=
lor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); lin=
e-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000"=
 face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;=
"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, =
0, 0);"><font style><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, Helv=
etica" style=3D"color: rgb(0, 0, 0); font-size: 10pt;"></font></font></font=
></font></font></font></font></font></p><p style=3D"font-family:Arial,verda=
na;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt; t=
ext-align: left;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17=
pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(=
0, 0, 0); line-height: 17pt;"><font style><font color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" fac=
e=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#00000=
0" 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-size:=
 10pt;"></font></font></font></font></font></font></font></font></p><p styl=
e=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;ma=
rgin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0); font-size: 10pt;"></font></font></font></font></font></fon=
t></font></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; c=
olor:#000000;padding:0px;margin: 0;line-height: 17pt; text-align: left;"><f=
ont color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0=
); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#0=
00000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height:=
 17pt;"><font style><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, Helv=
etica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial=
, Helvetica" style=3D"color: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;=
">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0); font-size: 10pt;">We hope this message finds you and your =
loved ones safe during these challenging times. In response to the recent w=
ildfires affecting Los Angeles and surrounding areas, California Insurance =
Commissioner Ricardo Lara has announced several measures and resources to s=
upport residents and policyholders.</font></font></font></font></font></fon=
t></font></font></p><h3 style=3D"font-family:Arial,verdana,Helvetica, sans-=
serif;color:#000000; font-weight:normal; color:#000000;padding: 0px;margin:=
 0;font-size: 10pt;"></h3><font color=3D"#000000" face=3D"Arial, Helvetica"=
 style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-heig=
ht: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color=
: rgb(0, 0, 0); line-height: 17pt;"><font style><font color=3D"#000000" fac=
e=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#00000=
0" 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></font></font></font></font><p style=3D"margin:=
 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; color:#000000;lin=
e-height:1.7;font-family:Arial,verdana;font-size:12px;padding:0px;"></p><h3=
 style=3D"font-family:Arial,verdana,Helvetica, sans-serif;color:#000000; fo=
nt-weight:normal; color:#000000;padding: 0px;margin: 0;font-size: 10pt;"></=
h3><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0,=
 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-h=
eight: 17pt;"><font style><font color=3D"#000000" face=3D"Arial, Helvetica"=
 style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helv=
etica" 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></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: r=
gb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font c=
olor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); li=
ne-height: 17pt;"><font style><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 color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"color: rgb(0, 0, 0);">

</font></font></font></font></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sa=
ns-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:Aria=
l, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family:Arial,v=
erdana;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;fon=
t-family:Arial,verdana;font-size:12px;padding:0px;"></p></span><font style>=
<font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0,=
 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"=
#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-heigh=
t: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color:=
 rgb(0, 0, 0);"><span style=3D"font-size: 10pt;"></span></font></font></fon=
t></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, s=
ans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;font-siz=
e:12px;padding:0px;"></p></font><p style=3D"margin: 0;padding: 0px;font-fam=
ily:Arial, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family=
:Arial,verdana;font-size:12px;padding:0px;"></p><font color=3D"#000000" fac=
e=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><f=
ont style=3D"line-height: 17pt;">
</font></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helveti=
ca, sans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;fon=
t-size:12px;padding:0px;"></p><p align=3D"center" style=3D"line-height:1.7;=
font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin:=
 0;text-align: center; line-height: 17pt;"><font style=3D"line-height: 17pt=
;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"open =
sans, helvetica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, 0=
, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"open sans, helvet=
ica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); font-=
size: 10pt; line-height: 17pt;"></font></font></font></font></font></p><p s=
tyle=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;fo=
nt-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt;"></p><=
font style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font =
face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"font-s=
ize: 10pt; line-height: 17pt;"><span style=3D"color: rgb(51, 51, 51); line-=
height: 17pt;"></span></font><font color=3D"#333333" style=3D"font-size: 10=
pt; font-family: lato, &quot;helvetica neue&quot;, helvetica, arial, sans-s=
erif; line-height: 17pt;"><span style=3D"line-height: 17pt;"></span><span s=
tyle=3D"line-height: 17pt;"></span></font><span style=3D"font-size: 10pt; f=
ont-family: lato, &quot;helvetica neue&quot;, helvetica, arial, sans-serif;=
 color: rgb(51, 51, 51); line-height: 17pt;"><span style=3D"line-height: 17=
pt;"></span></span><span style=3D"font-size: 10pt; font-family: lato, &quot=
;helvetica neue&quot;, helvetica, arial, sans-serif; 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: 17=
pt;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1734735470550" 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_1734735470550" 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:5px;padding-bottom:5px;pa=
dding-right:30px;padding-left:30px;">
             =09    =09=09<div componentlineheight=3D"17pt" componentpaddin=
gbottom=3D"5px" componentpaddingleft=3D"30px" componentpaddingright=3D"30px=
" componentpaddingtop=3D"5px" 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 s=
tyle=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font face=
=3D"open sans, helvetica neue, helvetica, arial, sans-serif" style=3D"font-=
size: 10pt; line-height: 17pt;"><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></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 =
style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=
=3D"#000000" face=3D"open sans, helvetica neue, helvetica, arial, sans-seri=
f" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"></font></font></font><=
/p><p align=3D"center" style=3D"line-height:1.7;font-family:Arial,verdana;f=
ont-size:12px; color:#000000;padding:0px;margin: 0;text-align: center; line=
-height: 17pt;"><font style=3D"line-height: 17pt;"><font style=3D"line-heig=
ht: 17pt;"><font color=3D"#000000" face=3D"open sans, helvetica neue, helve=
tica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font color=3D"#000000" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><=
/font></font></font></font></p><p align=3D"center" style=3D"line-height:1.7=
;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin=
: 0;text-align: center; line-height: 17pt;"><font style=3D"line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"open=
 sans, helvetica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0,=
 0, 0); line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"open sans, helve=
tica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); font=
-size: 10pt; line-height: 17pt;"></font></font></font></font></font></p><sp=
an style=3D"line-height: 17pt;"><font style><p align=3D"center" style=3D"li=
ne-height:1.7;font-family:Arial,verdana; color:#000000;padding:0px;margin: =
0;font-size: 10pt; text-align: center; line-height: 17pt;"><font color=3D"#=
000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height=
: 17pt;"><b><font style=3D"line-height: 17pt; font-size: 10pt;"></font></b>=
</font></p><p style=3D"line-height:1.7;font-family:Arial,verdana; color:#00=
0000;padding:0px;margin: 0;font-size: 10pt; text-align: left; line-height: =
17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rg=
b(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font co=
lor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); lin=
e-height: 17pt; font-size: 10pt;"><b><span></span></b></font></font></font>=
</p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;pad=
ding:0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#00=
0000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: =
17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font co=
lor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><f=
ont style=3D"font-size: 10pt;"><b><span></span></b></font></font></font></f=
ont></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; color:=
#000000;padding:0px;margin: 0;line-height: 17pt; text-align: left;"><font c=
olor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); li=
ne-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000=
" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt=
;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0,=
 0, 0);"><font style><b><font color=3D"#000000" face=3D"Arial, Helvetica" s=
tyle=3D"color: rgb(0, 0, 0); font-size: 10pt;"></font></b></font></font></f=
ont></font></font></p><p style=3D"font-family:Arial,verdana;font-size:12px;=
 color:#000000;padding:0px;margin: 0;line-height: 17pt; text-align: left;">=
<font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0,=
 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"=
#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-heigh=
t: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color:=
 rgb(0, 0, 0);"><font style><font color=3D"#000000" face=3D"Arial, Helvetic=
a" style=3D"color: rgb(0, 0, 0);"><b><font color=3D"#000000" face=3D"Arial,=
 Helvetica" style=3D"color: rgb(0, 0, 0); font-size: 10pt;"></font></b></fo=
nt></font></font></font></font></font></p><p style=3D"font-family:Arial,ver=
dana;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt;=
 text-align: left;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17=
pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(=
0, 0, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvet=
ica" style=3D"color: rgb(0, 0, 0);"><font style><font color=3D"#000000" fac=
e=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#00000=
0" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><b><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); font-s=
ize: 10pt;"></font></b></font></font></font></font></font></font></font></p=
><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;paddin=
g:0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#00000=
0" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Aria=
l, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=
><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: rg=
b(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"col=
or: rgb(0, 0, 0);"><b><font color=3D"#000000" face=3D"Arial, Helvetica" sty=
le=3D"color: rgb(0, 0, 0); font-size: 10pt;"></font></b></font></font></fon=
t></font></font></font></font></p><p style=3D"font-family:Arial,verdana;fon=
t-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt; text-al=
ign: left;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><fo=
nt color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0)=
; line-height: 17pt;"><font style><font color=3D"#000000" face=3D"Arial, He=
lvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Ari=
al, 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 style=3D"f=
ont-size: 10pt;"><b>

</b></font></font></font></font></font></font></font></font></font></p><p s=
tyle=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px=
;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" fa=
ce=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><=
font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, He=
lvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><fon=
t 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: r=
gb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"co=
lor: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;"><b>

</b></font></font></font></font></font></font></font></font></font></p><p s=
tyle=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px=
;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" fa=
ce=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><=
font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, He=
lvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><fon=
t 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: r=
gb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"co=
lor: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;"><b>

</b></font></font></font></font></font></font></font></font></font></p><p s=
tyle=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px=
;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" fa=
ce=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><=
font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, He=
lvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><fon=
t 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: r=
gb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"co=
lor: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;"><b>

</b></font></font></font></font></font></font></font></font></font></p><p s=
tyle=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px=
;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" fa=
ce=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><=
font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, He=
lvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><fon=
t 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: r=
gb(0, 0, 0);"><b><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D=
"color: rgb(0, 0, 0); font-size: 10pt;"></font></b></font></font></font></f=
ont></font></font></font></p><p style=3D"font-family:Arial,verdana;font-siz=
e:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt; text-align: =
left;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rg=
b(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font co=
lor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); lin=
e-height: 17pt;"><font style><font color=3D"#000000" face=3D"Arial, Helveti=
ca" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, H=
elvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Ar=
ial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font style=3D"font-si=
ze: 10pt;"><b>

</b></font></font></font></font></font></font></font></font></font></p><p s=
tyle=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px=
;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" fa=
ce=3D"Arial, Helvetica" style=3D"line-height: 17pt;"><font style=3D"line-he=
ight: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"lin=
e-height: 17pt;"><font style><font color=3D"#000000" face=3D"Arial, Helveti=
ca" style><font color=3D"#000000" face=3D"Arial, Helvetica" style><font col=
or=3D"#000000" face=3D"Arial, Helvetica" style><font color=3D"#000000" face=
=3D"Arial, Helvetica" style><font style=3D"font-size: 10pt;"><b>

</b></font></font></font></font></font></font></font></font></font></p><p s=
tyle=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px=
;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" fa=
ce=3D"Arial, Helvetica" style=3D"line-height: 17pt;"><font style=3D"line-he=
ight: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"lin=
e-height: 17pt;"><font style><font color=3D"#000000" face=3D"Arial, Helveti=
ca" style><font color=3D"#000000" face=3D"Arial, Helvetica" style><font col=
or=3D"#000000" face=3D"Arial, Helvetica" style><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><b style><font style=
=3D"font-size: 10pt;">

</font></b></font></font></font></font></font></font></font></font></p><h3 =
style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; c=
olor:#000000;color:#000000; font-weight:normal;font-family:Arial,verdana,He=
lvetica, sans-serif; color:#000000;font-size: 24px;"><font color=3D"#000000=
" face=3D"Arial, Helvetica" style=3D"line-height: 17pt;"><font style=3D"lin=
e-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D=
"line-height: 17pt;"><font style><font color=3D"#000000" face=3D"Arial, Hel=
vetica" style><font color=3D"#000000" face=3D"Arial, Helvetica" style><font=
 color=3D"#000000" face=3D"Arial, Helvetica" style><font color=3D"#000000" =
face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><b style><strong s=
tyle><font style=3D"font-size: 10pt;">One-Year Moratorium on Policy Non-Ren=
ewals</font></strong></b></font></font></font></font></font></font></font><=
/font></h3><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"line-height: 17pt;"><font style><font col=
or=3D"#000000" face=3D"Arial, Helvetica" style><font color=3D"#000000" face=
=3D"Arial, Helvetica" style><font color=3D"#000000" face=3D"Arial, Helvetic=
a" style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: =
rgb(0, 0, 0);"><b style>

</b></font></font></font></font></font></font></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=
><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"line-height: 17=
pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Ari=
al, Helvetica" style=3D"line-height: 17pt;"><font style><font color=3D"#000=
000" face=3D"Arial, Helvetica" style><font color=3D"#000000" face=3D"Arial,=
 Helvetica" style><font color=3D"#000000" face=3D"Arial, Helvetica" style>

</font></font></font></font></font></font></font></font><p style=3D"margin:=
 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; color:#000000;lin=
e-height:1.7;font-family:Arial,verdana;font-size:12px;padding:0px;"></p><fo=
nt color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0)=
; line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#00=
0000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: =
17pt;"><font style><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, Helv=
etica" style=3D"color: rgb(0, 0, 0);">

</font></font></font></font></font></font></font><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: r=
gb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font c=
olor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); li=
ne-height: 17pt;"><font style><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 color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"color: rgb(0, 0, 0);">

</font></font></font></font></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sa=
ns-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:Aria=
l, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family:Arial,v=
erdana;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;fon=
t-family:Arial,verdana;font-size:12px;padding:0px;"></p></span><font style>=
<font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0,=
 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"=
#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-heigh=
t: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color:=
 rgb(0, 0, 0);"><span style=3D"font-size: 10pt;"></span></font></font></fon=
t></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, s=
ans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;font-siz=
e:12px;padding:0px;"></p></font><p style=3D"margin: 0;padding: 0px;font-fam=
ily:Arial, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family=
:Arial,verdana;font-size:12px;padding:0px;"></p><font color=3D"#000000" fac=
e=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><f=
ont style=3D"line-height: 17pt;">
</font></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helveti=
ca, sans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;fon=
t-size:12px;padding:0px;"></p><p align=3D"center" style=3D"line-height:1.7;=
font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin:=
 0;text-align: center; line-height: 17pt;"><font style=3D"line-height: 17pt=
;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"open =
sans, helvetica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, 0=
, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"open sans, helvet=
ica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); font-=
size: 10pt; line-height: 17pt;"></font></font></font></font></font></p><p s=
tyle=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;fo=
nt-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt;"></p><=
font style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font =
face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"font-s=
ize: 10pt; line-height: 17pt;"><span style=3D"color: rgb(51, 51, 51); line-=
height: 17pt;"></span></font><font color=3D"#333333" style=3D"font-size: 10=
pt; font-family: lato, &quot;helvetica neue&quot;, helvetica, arial, sans-s=
erif; line-height: 17pt;"><span style=3D"line-height: 17pt;"></span><span s=
tyle=3D"line-height: 17pt;"></span></font><span style=3D"font-size: 10pt; f=
ont-family: lato, &quot;helvetica neue&quot;, helvetica, arial, sans-serif;=
 color: rgb(51, 51, 51); line-height: 17pt;"><span style=3D"line-height: 17=
pt;"></span></span><span style=3D"font-size: 10pt; font-family: lato, &quot=
;helvetica neue&quot;, helvetica, arial, sans-serif; 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: 17=
pt;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1736563724950" 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_1736563724950" 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:5px;padding-bottom:5px;pa=
dding-right:30px;padding-left:30px;">
             =09    =09=09<div componentlineheight=3D"17pt" componentpaddin=
gbottom=3D"5px" componentpaddingleft=3D"30px" componentpaddingright=3D"30px=
" componentpaddingtop=3D"5px" 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 s=
tyle=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font face=
=3D"open sans, helvetica neue, helvetica, arial, sans-serif" style=3D"font-=
size: 10pt; line-height: 17pt;"><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></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 =
style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=
=3D"#000000" face=3D"open sans, helvetica neue, helvetica, arial, sans-seri=
f" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"></font></font></font><=
/p><p align=3D"center" style=3D"line-height:1.7;font-family:Arial,verdana;f=
ont-size:12px; color:#000000;padding:0px;margin: 0;text-align: center; line=
-height: 17pt;"><font style=3D"line-height: 17pt;"><font style=3D"line-heig=
ht: 17pt;"><font color=3D"#000000" face=3D"open sans, helvetica neue, helve=
tica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font color=3D"#000000" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><=
/font></font></font></font></p><p align=3D"center" style=3D"line-height:1.7=
;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin=
: 0;text-align: center; line-height: 17pt;"><font style=3D"line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"open=
 sans, helvetica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0,=
 0, 0); line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"open sans, helve=
tica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); font=
-size: 10pt; line-height: 17pt;"></font></font></font></font></font></p><sp=
an style=3D"line-height: 17pt;"><font style><p align=3D"center" style=3D"li=
ne-height:1.7;font-family:Arial,verdana; color:#000000;padding:0px;margin: =
0;font-size: 10pt; text-align: center; line-height: 17pt;"><font color=3D"#=
000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height=
: 17pt;"><font style=3D"line-height: 17pt; font-size: 10pt;"></font></font>=
</p><p style=3D"line-height:1.7;font-family:Arial,verdana; color:#000000;pa=
dding:0px;margin: 0;font-size: 10pt; text-align: left; line-height: 17pt;">=
<font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0,=
 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"=
#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-heigh=
t: 17pt; font-size: 10pt;"><span></span></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=3D"#00=
0000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font style=
=3D"font-size: 10pt;"><span></span></font></font></font></font></font></p><=
p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:=
0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000"=
 face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;=
"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial,=
 Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font=
 style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rg=
b(0, 0, 0); font-size: 10pt;"></font></font></font></font></font></font></p=
><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;paddin=
g:0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#00000=
0" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Aria=
l, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font=
 style><font color=3D"#000000" face=3D"Arial, Helvetica" 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-size: 10pt;"></font></font></font></font></font></fo=
nt></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#=
000000;padding:0px;margin: 0;line-height: 17pt; text-align: left;"><font co=
lor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); lin=
e-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000"=
 face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;=
"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, =
0, 0);"><font style><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, Helv=
etica" style=3D"color: rgb(0, 0, 0); font-size: 10pt;"></font></font></font=
></font></font></font></font></font></p><p style=3D"font-family:Arial,verda=
na;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt; t=
ext-align: left;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17=
pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(=
0, 0, 0); line-height: 17pt;"><font style><font color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" fac=
e=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#00000=
0" 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-size:=
 10pt;"></font></font></font></font></font></font></font></font></p><p styl=
e=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;ma=
rgin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0); font-size: 10pt;"></font></font></font></font></font></fon=
t></font></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; c=
olor:#000000;padding:0px;margin: 0;line-height: 17pt; text-align: left;"><f=
ont color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0=
); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#0=
00000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height:=
 17pt;"><font style><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, Helv=
etica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial=
, Helvetica" style=3D"color: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;=
">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0); font-size: 10pt;">Commissioner Lara has implemented a mand=
atory one-year moratorium preventing insurance companies from non-renewing =
residential property insurance policies in areas affected by wildfires. Thi=
s protection applies to policies in ZIP codes within or adjacent to wildfir=
e perimeters, ensuring homeowners maintain essential coverage during recove=
ry.</font></font></font></font></font></font></font></font></p><h3 style=3D=
"font-family:Arial,verdana,Helvetica, sans-serif;color:#000000; font-weight=
:normal; color:#000000;padding: 0px;margin: 0;font-size: 10pt;"></h3><font =
color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); l=
ine-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#00000=
0" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17p=
t;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetic=
a" style=3D"color: rgb(0, 0, 0);">

</font></font></font></font></font></font></font></font><p style=3D"margin:=
 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; color:#000000;lin=
e-height:1.7;font-family:Arial,verdana;font-size:12px;padding:0px;"></p><h3=
 style=3D"font-family:Arial,verdana,Helvetica, sans-serif;color:#000000; fo=
nt-weight:normal; color:#000000;padding: 0px;margin: 0;font-size: 10pt;"></=
h3><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0,=
 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-h=
eight: 17pt;"><font style><font color=3D"#000000" face=3D"Arial, Helvetica"=
 style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helv=
etica" 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></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: r=
gb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font c=
olor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); li=
ne-height: 17pt;"><font style><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 color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"color: rgb(0, 0, 0);">

</font></font></font></font></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sa=
ns-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:Aria=
l, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family:Arial,v=
erdana;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;fon=
t-family:Arial,verdana;font-size:12px;padding:0px;"></p></span><font style>=
<font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0,=
 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"=
#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-heigh=
t: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color:=
 rgb(0, 0, 0);"><span style=3D"font-size: 10pt;"></span></font></font></fon=
t></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, s=
ans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;font-siz=
e:12px;padding:0px;"></p></font><p style=3D"margin: 0;padding: 0px;font-fam=
ily:Arial, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family=
:Arial,verdana;font-size:12px;padding:0px;"></p><font color=3D"#000000" fac=
e=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><f=
ont style=3D"line-height: 17pt;">
</font></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helveti=
ca, sans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;fon=
t-size:12px;padding:0px;"></p><p align=3D"center" style=3D"line-height:1.7;=
font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin:=
 0;text-align: center; line-height: 17pt;"><font style=3D"line-height: 17pt=
;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"open =
sans, helvetica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, 0=
, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"open sans, helvet=
ica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); font-=
size: 10pt; line-height: 17pt;"></font></font></font></font></font></p><p s=
tyle=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;fo=
nt-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt;"></p><=
font style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font =
face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"font-s=
ize: 10pt; line-height: 17pt;"><span style=3D"color: rgb(51, 51, 51); line-=
height: 17pt;"></span></font><font color=3D"#333333" style=3D"font-size: 10=
pt; font-family: lato, &quot;helvetica neue&quot;, helvetica, arial, sans-s=
erif; line-height: 17pt;"><span style=3D"line-height: 17pt;"></span><span s=
tyle=3D"line-height: 17pt;"></span></font><span style=3D"font-size: 10pt; f=
ont-family: lato, &quot;helvetica neue&quot;, helvetica, arial, sans-serif;=
 color: rgb(51, 51, 51); line-height: 17pt;"><span style=3D"line-height: 17=
pt;"></span></span><span style=3D"font-size: 10pt; font-family: lato, &quot=
;helvetica neue&quot;, helvetica, arial, sans-serif; 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: 17=
pt;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1736563739701" 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_1736563739701" 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:5px;padding-bottom:5px;pa=
dding-right:30px;padding-left:30px;">
             =09    =09=09<div componentlineheight=3D"17pt" componentpaddin=
gbottom=3D"5px" componentpaddingleft=3D"30px" componentpaddingright=3D"30px=
" componentpaddingtop=3D"5px" 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 s=
tyle=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font face=
=3D"open sans, helvetica neue, helvetica, arial, sans-serif" style=3D"font-=
size: 10pt; line-height: 17pt;"><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></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 =
style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=
=3D"#000000" face=3D"open sans, helvetica neue, helvetica, arial, sans-seri=
f" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"></font></font></font><=
/p><p align=3D"center" style=3D"line-height:1.7;font-family:Arial,verdana;f=
ont-size:12px; color:#000000;padding:0px;margin: 0;text-align: center; line=
-height: 17pt;"><font style=3D"line-height: 17pt;"><font style=3D"line-heig=
ht: 17pt;"><font color=3D"#000000" face=3D"open sans, helvetica neue, helve=
tica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font color=3D"#000000" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><=
/font></font></font></font></p><p align=3D"center" style=3D"line-height:1.7=
;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin=
: 0;text-align: center; line-height: 17pt;"><font style=3D"line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"open=
 sans, helvetica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0,=
 0, 0); line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"open sans, helve=
tica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); font=
-size: 10pt; line-height: 17pt;"></font></font></font></font></font></p><sp=
an style=3D"line-height: 17pt;"><font style><p align=3D"center" style=3D"li=
ne-height:1.7;font-family:Arial,verdana; color:#000000;padding:0px;margin: =
0;font-size: 10pt; text-align: center; line-height: 17pt;"><font color=3D"#=
000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height=
: 17pt;"><b><font style=3D"line-height: 17pt; font-size: 10pt;"></font></b>=
</font></p><p style=3D"line-height:1.7;font-family:Arial,verdana; color:#00=
0000;padding:0px;margin: 0;font-size: 10pt; text-align: left; line-height: =
17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rg=
b(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font co=
lor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); lin=
e-height: 17pt; font-size: 10pt;"><b><span></span></b></font></font></font>=
</p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;pad=
ding:0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#00=
0000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: =
17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font co=
lor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><f=
ont style=3D"font-size: 10pt;"><b><span></span></b></font></font></font></f=
ont></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; color:=
#000000;padding:0px;margin: 0;line-height: 17pt; text-align: left;"><font c=
olor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); li=
ne-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000=
" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt=
;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0,=
 0, 0);"><font style><b><font color=3D"#000000" face=3D"Arial, Helvetica" s=
tyle=3D"color: rgb(0, 0, 0); font-size: 10pt;"></font></b></font></font></f=
ont></font></font></p><p style=3D"font-family:Arial,verdana;font-size:12px;=
 color:#000000;padding:0px;margin: 0;line-height: 17pt; text-align: left;">=
<font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0,=
 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"=
#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-heigh=
t: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color:=
 rgb(0, 0, 0);"><font style><font color=3D"#000000" face=3D"Arial, Helvetic=
a" style=3D"color: rgb(0, 0, 0);"><b><font color=3D"#000000" face=3D"Arial,=
 Helvetica" style=3D"color: rgb(0, 0, 0); font-size: 10pt;"></font></b></fo=
nt></font></font></font></font></font></p><p style=3D"font-family:Arial,ver=
dana;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt;=
 text-align: left;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17=
pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(=
0, 0, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvet=
ica" style=3D"color: rgb(0, 0, 0);"><font style><font color=3D"#000000" fac=
e=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#00000=
0" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><b><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); font-s=
ize: 10pt;"></font></b></font></font></font></font></font></font></font></p=
><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;paddin=
g:0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#00000=
0" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Aria=
l, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=
><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: rg=
b(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"col=
or: rgb(0, 0, 0);"><b><font color=3D"#000000" face=3D"Arial, Helvetica" sty=
le=3D"color: rgb(0, 0, 0); font-size: 10pt;"></font></b></font></font></fon=
t></font></font></font></font></p><p style=3D"font-family:Arial,verdana;fon=
t-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt; text-al=
ign: left;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><fo=
nt color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0)=
; line-height: 17pt;"><font style><font color=3D"#000000" face=3D"Arial, He=
lvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Ari=
al, 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 style=3D"f=
ont-size: 10pt;"><b>

</b></font></font></font></font></font></font></font></font></font></p><p s=
tyle=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px=
;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" fa=
ce=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><=
font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, He=
lvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><fon=
t 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: r=
gb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"co=
lor: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;"><b>

</b></font></font></font></font></font></font></font></font></font></p><p s=
tyle=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px=
;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" fa=
ce=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><=
font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, He=
lvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><fon=
t 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: r=
gb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"co=
lor: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;"><b>

</b></font></font></font></font></font></font></font></font></font></p><p s=
tyle=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px=
;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" fa=
ce=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><=
font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, He=
lvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><fon=
t 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: r=
gb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"co=
lor: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;"><b>

</b></font></font></font></font></font></font></font></font></font></p><p s=
tyle=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px=
;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" fa=
ce=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><=
font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, He=
lvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><fon=
t 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: r=
gb(0, 0, 0);"><b><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D=
"color: rgb(0, 0, 0); font-size: 10pt;"></font></b></font></font></font></f=
ont></font></font></font></p><p style=3D"font-family:Arial,verdana;font-siz=
e:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt; text-align: =
left;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rg=
b(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font co=
lor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); lin=
e-height: 17pt;"><font style><font color=3D"#000000" face=3D"Arial, Helveti=
ca" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, H=
elvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Ar=
ial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font style=3D"font-si=
ze: 10pt;"><b>

</b></font></font></font></font></font></font></font></font></font></p><p s=
tyle=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px=
;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" fa=
ce=3D"Arial, Helvetica" style=3D"line-height: 17pt;"><font style=3D"line-he=
ight: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"lin=
e-height: 17pt;"><font style><font color=3D"#000000" face=3D"Arial, Helveti=
ca" style><font color=3D"#000000" face=3D"Arial, Helvetica" style><font col=
or=3D"#000000" face=3D"Arial, Helvetica" style><font color=3D"#000000" face=
=3D"Arial, Helvetica" style><font style=3D"font-size: 10pt;"><b>

</b></font></font></font></font></font></font></font></font></font></p><p s=
tyle=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px=
;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" fa=
ce=3D"Arial, Helvetica" style=3D"line-height: 17pt;"><font style=3D"line-he=
ight: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"lin=
e-height: 17pt;"><font style><font color=3D"#000000" face=3D"Arial, Helveti=
ca" style><font color=3D"#000000" face=3D"Arial, Helvetica" style><font col=
or=3D"#000000" face=3D"Arial, Helvetica" style><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><b style><font style=
=3D"font-size: 10pt;">

</font></b></font></font></font></font></font></font></font></font></p><h3 =
style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; c=
olor:#000000;color:#000000; font-weight:normal;font-family:Arial,verdana,He=
lvetica, sans-serif; color:#000000;font-size: 24px;"><font color=3D"#000000=
" face=3D"Arial, Helvetica" style=3D"line-height: 17pt;"><font style=3D"lin=
e-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D=
"line-height: 17pt;"><font style><font color=3D"#000000" face=3D"Arial, Hel=
vetica" style><font color=3D"#000000" face=3D"Arial, Helvetica" style><font=
 color=3D"#000000" face=3D"Arial, Helvetica" style><font color=3D"#000000" =
face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><b style><strong s=
tyle><font style><font style=3D"font-size: 10pt;">

</font></font></strong></b></font></font></font></font></font></font></font=
></font></h3><h3 style=3D"margin: 0;padding: 0px;font-family:Arial, Helveti=
ca, sans-serif; color:#000000;color:#000000; font-weight:normal;font-family=
:Arial,verdana,Helvetica, sans-serif; color:#000000;font-size: 24px;"><stro=
ng style><font style=3D"font-size: 10pt;">Retroactive Moratorium on Cancell=
ations</font></strong></h3>

</font><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"line-heig=
ht: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"line-height: 17pt;"><font style><font color=
=3D"#000000" face=3D"Arial, Helvetica" style><font color=3D"#000000" face=
=3D"Arial, Helvetica" style><font color=3D"#000000" face=3D"Arial, Helvetic=
a" style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: =
rgb(0, 0, 0);"><b style>

</b></font></font></font></font></font></font></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=
><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"line-height: 17=
pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Ari=
al, Helvetica" style=3D"line-height: 17pt;"><font style><font color=3D"#000=
000" face=3D"Arial, Helvetica" style><font color=3D"#000000" face=3D"Arial,=
 Helvetica" style><font color=3D"#000000" face=3D"Arial, Helvetica" style>

</font></font></font></font></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: r=
gb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font c=
olor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); li=
ne-height: 17pt;"><font style><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 color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"color: rgb(0, 0, 0);">

</font></font></font></font></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sa=
ns-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:Aria=
l, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family:Arial,v=
erdana;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;fon=
t-family:Arial,verdana;font-size:12px;padding:0px;"></p></span><font style>=
<font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0,=
 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"=
#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-heigh=
t: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color:=
 rgb(0, 0, 0);"><span style=3D"font-size: 10pt;"></span></font></font></fon=
t></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, s=
ans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;font-siz=
e:12px;padding:0px;"></p></font><p style=3D"margin: 0;padding: 0px;font-fam=
ily:Arial, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family=
:Arial,verdana;font-size:12px;padding:0px;"></p><font color=3D"#000000" fac=
e=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><f=
ont style=3D"line-height: 17pt;">
</font></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helveti=
ca, sans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;fon=
t-size:12px;padding:0px;"></p><p align=3D"center" style=3D"line-height:1.7;=
font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin:=
 0;text-align: center; line-height: 17pt;"><font style=3D"line-height: 17pt=
;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"open =
sans, helvetica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, 0=
, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"open sans, helvet=
ica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); font-=
size: 10pt; line-height: 17pt;"></font></font></font></font></font></p><p s=
tyle=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;fo=
nt-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt;"></p><=
font style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font =
face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"font-s=
ize: 10pt; line-height: 17pt;"><span style=3D"color: rgb(51, 51, 51); line-=
height: 17pt;"></span></font><font color=3D"#333333" style=3D"font-size: 10=
pt; font-family: lato, &quot;helvetica neue&quot;, helvetica, arial, sans-s=
erif; line-height: 17pt;"><span style=3D"line-height: 17pt;"></span><span s=
tyle=3D"line-height: 17pt;"></span></font><span style=3D"font-size: 10pt; f=
ont-family: lato, &quot;helvetica neue&quot;, helvetica, arial, sans-serif;=
 color: rgb(51, 51, 51); line-height: 17pt;"><span style=3D"line-height: 17=
pt;"></span></span><span style=3D"font-size: 10pt; font-family: lato, &quot=
;helvetica neue&quot;, helvetica, arial, sans-serif; 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: 17=
pt;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1736563757585" 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_1736563757585" 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:5px;padding-bottom:5px;pa=
dding-right:30px;padding-left:30px;">
             =09    =09=09<div componentlineheight=3D"17pt" componentpaddin=
gbottom=3D"5px" componentpaddingleft=3D"30px" componentpaddingright=3D"30px=
" componentpaddingtop=3D"5px" 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 s=
tyle=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font face=
=3D"open sans, helvetica neue, helvetica, arial, sans-serif" style=3D"font-=
size: 10pt; line-height: 17pt;"><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></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 =
style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=
=3D"#000000" face=3D"open sans, helvetica neue, helvetica, arial, sans-seri=
f" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"></font></font></font><=
/p><p align=3D"center" style=3D"line-height:1.7;font-family:Arial,verdana;f=
ont-size:12px; color:#000000;padding:0px;margin: 0;text-align: center; line=
-height: 17pt;"><font style=3D"line-height: 17pt;"><font style=3D"line-heig=
ht: 17pt;"><font color=3D"#000000" face=3D"open sans, helvetica neue, helve=
tica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font color=3D"#000000" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><=
/font></font></font></font></p><p align=3D"center" style=3D"line-height:1.7=
;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin=
: 0;text-align: center; line-height: 17pt;"><font style=3D"line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"open=
 sans, helvetica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0,=
 0, 0); line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"open sans, helve=
tica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); font=
-size: 10pt; line-height: 17pt;"></font></font></font></font></font></p><sp=
an style=3D"line-height: 17pt;"><font style><p align=3D"center" style=3D"li=
ne-height:1.7;font-family:Arial,verdana; color:#000000;padding:0px;margin: =
0;font-size: 10pt; text-align: center; line-height: 17pt;"><font color=3D"#=
000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height=
: 17pt;"><font style=3D"line-height: 17pt; font-size: 10pt;"></font></font>=
</p><p style=3D"line-height:1.7;font-family:Arial,verdana; color:#000000;pa=
dding:0px;margin: 0;font-size: 10pt; text-align: left; line-height: 17pt;">=
<font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0,=
 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"=
#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-heigh=
t: 17pt; font-size: 10pt;"><span></span></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=3D"#00=
0000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font style=
=3D"font-size: 10pt;"><span></span></font></font></font></font></font></p><=
p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:=
0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000"=
 face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;=
"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial,=
 Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font=
 style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rg=
b(0, 0, 0); font-size: 10pt;"></font></font></font></font></font></font></p=
><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;paddin=
g:0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#00000=
0" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Aria=
l, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font=
 style><font color=3D"#000000" face=3D"Arial, Helvetica" 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-size: 10pt;"></font></font></font></font></font></fo=
nt></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#=
000000;padding:0px;margin: 0;line-height: 17pt; text-align: left;"><font co=
lor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); lin=
e-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000"=
 face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;=
"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, =
0, 0);"><font style><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, Helv=
etica" style=3D"color: rgb(0, 0, 0); font-size: 10pt;"></font></font></font=
></font></font></font></font></font></p><p style=3D"font-family:Arial,verda=
na;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt; t=
ext-align: left;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17=
pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(=
0, 0, 0); line-height: 17pt;"><font style><font color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" fac=
e=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#00000=
0" 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-size:=
 10pt;"></font></font></font></font></font></font></font></font></p><p styl=
e=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;ma=
rgin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0); font-size: 10pt;"></font></font></font></font></font></fon=
t></font></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; c=
olor:#000000;padding:0px;margin: 0;line-height: 17pt; text-align: left;"><f=
ont color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0=
); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#0=
00000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height:=
 17pt;"><font style><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, Helv=
etica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial=
, Helvetica" style=3D"color: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;=
">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0); font-size: 10pt;">In addition to the one-year moratorium, =
a retroactive moratorium is in place for the past 90 days in affected areas=
. This measure ensures that cancellations during this period are being revi=
ewed for compliance, offering further protection to policyholders.</font></=
font></font></font></font></font></font></font></p><h3 style=3D"font-family=
:Arial,verdana,Helvetica, sans-serif;color:#000000; font-weight:normal; col=
or:#000000;padding: 0px;margin: 0;font-size: 10pt;"></h3><font color=3D"#00=
0000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: =
17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font st=
yle><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></font></font></font></font><p style=3D"margin:=
 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; color:#000000;lin=
e-height:1.7;font-family:Arial,verdana;font-size:12px;padding:0px;"></p><h3=
 style=3D"font-family:Arial,verdana,Helvetica, sans-serif;color:#000000; fo=
nt-weight:normal; color:#000000;padding: 0px;margin: 0;font-size: 10pt;"></=
h3><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0,=
 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-h=
eight: 17pt;"><font style><font color=3D"#000000" face=3D"Arial, Helvetica"=
 style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helv=
etica" 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></font></font></font><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><h3 style=
=3D"font-family:Arial,verdana,Helvetica, sans-serif;color:#000000; font-wei=
ght:normal; color:#000000;padding: 0px;margin: 0;font-size: 10pt;"></h3><fo=
nt color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0)=
; line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#00=
0000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: =
17pt;"><font style><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, Helv=
etica" style=3D"color: rgb(0, 0, 0);">

</font></font></font></font></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: r=
gb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font c=
olor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); li=
ne-height: 17pt;"><font style><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 color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"color: rgb(0, 0, 0);">

</font></font></font></font></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sa=
ns-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:Aria=
l, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family:Arial,v=
erdana;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;fon=
t-family:Arial,verdana;font-size:12px;padding:0px;"></p></span><font style>=
<font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0,=
 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"=
#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-heigh=
t: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color:=
 rgb(0, 0, 0);"><span style=3D"font-size: 10pt;"></span></font></font></fon=
t></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, s=
ans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;font-siz=
e:12px;padding:0px;"></p></font><p style=3D"margin: 0;padding: 0px;font-fam=
ily:Arial, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family=
:Arial,verdana;font-size:12px;padding:0px;"></p><font color=3D"#000000" fac=
e=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><f=
ont style=3D"line-height: 17pt;">
</font></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helveti=
ca, sans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;fon=
t-size:12px;padding:0px;"></p><p align=3D"center" style=3D"line-height:1.7;=
font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin:=
 0;text-align: center; line-height: 17pt;"><font style=3D"line-height: 17pt=
;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"open =
sans, helvetica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, 0=
, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"open sans, helvet=
ica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); font-=
size: 10pt; line-height: 17pt;"></font></font></font></font></font></p><p s=
tyle=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;fo=
nt-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt;"></p><=
font style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font =
face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"font-s=
ize: 10pt; line-height: 17pt;"><span style=3D"color: rgb(51, 51, 51); line-=
height: 17pt;"></span></font><font color=3D"#333333" style=3D"font-size: 10=
pt; font-family: lato, &quot;helvetica neue&quot;, helvetica, arial, sans-s=
erif; line-height: 17pt;"><span style=3D"line-height: 17pt;"></span><span s=
tyle=3D"line-height: 17pt;"></span></font><span style=3D"font-size: 10pt; f=
ont-family: lato, &quot;helvetica neue&quot;, helvetica, arial, sans-serif;=
 color: rgb(51, 51, 51); line-height: 17pt;"><span style=3D"line-height: 17=
pt;"></span></span><span style=3D"font-size: 10pt; font-family: lato, &quot=
;helvetica neue&quot;, helvetica, arial, sans-serif; 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: 17=
pt;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1736563898583" 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_1736563898583" 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:5px;padding-bottom:5px;pa=
dding-right:30px;padding-left:30px;">
             =09    =09=09<div componentlineheight=3D"17pt" componentpaddin=
gbottom=3D"5px" componentpaddingleft=3D"30px" componentpaddingright=3D"30px=
" componentpaddingtop=3D"5px" 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 s=
tyle=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font face=
=3D"open sans, helvetica neue, helvetica, arial, sans-serif" style=3D"font-=
size: 10pt; line-height: 17pt;"><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></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 =
style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=
=3D"#000000" face=3D"open sans, helvetica neue, helvetica, arial, sans-seri=
f" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"></font></font></font><=
/p><p align=3D"center" style=3D"line-height:1.7;font-family:Arial,verdana;f=
ont-size:12px; color:#000000;padding:0px;margin: 0;text-align: center; line=
-height: 17pt;"><font style=3D"line-height: 17pt;"><font style=3D"line-heig=
ht: 17pt;"><font color=3D"#000000" face=3D"open sans, helvetica neue, helve=
tica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font color=3D"#000000" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><=
/font></font></font></font></p><p align=3D"center" style=3D"line-height:1.7=
;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin=
: 0;text-align: center; line-height: 17pt;"><font style=3D"line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"open=
 sans, helvetica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0,=
 0, 0); line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"open sans, helve=
tica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); font=
-size: 10pt; line-height: 17pt;"></font></font></font></font></font></p><sp=
an style=3D"line-height: 17pt;"><font style><p align=3D"center" style=3D"li=
ne-height:1.7;font-family:Arial,verdana; color:#000000;padding:0px;margin: =
0;font-size: 10pt; text-align: center; line-height: 17pt;"><font color=3D"#=
000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height=
: 17pt;"><font style=3D"line-height: 17pt; font-size: 10pt;"></font></font>=
</p><p style=3D"line-height:1.7;font-family:Arial,verdana; color:#000000;pa=
dding:0px;margin: 0;font-size: 10pt; text-align: left; line-height: 17pt;">=
<font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0,=
 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"=
#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-heigh=
t: 17pt; font-size: 10pt;"><span></span></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=3D"#00=
0000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font style=
=3D"font-size: 10pt;"><span></span></font></font></font></font></font></p><=
p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:=
0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000"=
 face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;=
"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial,=
 Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font=
 style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rg=
b(0, 0, 0); font-size: 10pt;"></font></font></font></font></font></font></p=
><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;paddin=
g:0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#00000=
0" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Aria=
l, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font=
 style><font color=3D"#000000" face=3D"Arial, Helvetica" 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-size: 10pt;"></font></font></font></font></font></fo=
nt></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#=
000000;padding:0px;margin: 0;line-height: 17pt; text-align: left;"><font co=
lor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); lin=
e-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000"=
 face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;=
"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, =
0, 0);"><font style><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, Helv=
etica" style=3D"color: rgb(0, 0, 0); font-size: 10pt;"></font></font></font=
></font></font></font></font></font></p><p style=3D"font-family:Arial,verda=
na;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt; t=
ext-align: left;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17=
pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(=
0, 0, 0); line-height: 17pt;"><font style><font color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" fac=
e=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#00000=
0" 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-size:=
 10pt;"></font></font></font></font></font></font></font></font></p><p styl=
e=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;ma=
rgin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0); font-size: 10pt;"></font></font></font></font></font></fon=
t></font></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; c=
olor:#000000;padding:0px;margin: 0;line-height: 17pt; text-align: left;"><f=
ont color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0=
); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#0=
00000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height:=
 17pt;"><font style><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, Helv=
etica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial=
, Helvetica" style=3D"color: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;=
">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0); font-size: 10pt;"><span>

</span></font></font></font></font></font></font></font></font></p><h3 styl=
e=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; color=
:#000000;color:#000000; font-weight:normal;font-family:Arial,verdana,Helvet=
ica, sans-serif; color:#000000;font-size: 24px;"><font color=3D"#000000" fa=
ce=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><=
font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, He=
lvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><fon=
t 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: r=
gb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"co=
lor: rgb(0, 0, 0);"><strong style><font style=3D"font-size: 10pt;">

</font></strong></font></font></font></font></font></font></font></font></h=
3><h3 style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-se=
rif; color:#000000;color:#000000; font-weight:normal;font-family:Arial,verd=
ana,Helvetica, sans-serif; color:#000000;font-size: 24px;"><strong style><f=
ont style=3D"font-size: 10pt;">Workshops and Seminars for Fire Survivors</f=
ont></strong></h3>

</font><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rg=
b(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font co=
lor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); lin=
e-height: 17pt;"><font style><font color=3D"#000000" face=3D"Arial, Helveti=
ca" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, H=
elvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Ar=
ial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); font-size: 10pt;">

</font></font></font></font></font></font></font></font></span><p style=3D"=
margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; color:#000=
000;line-height:1.7;font-family:Arial,verdana;font-size:12px;padding:0px;">=
</p><h3 style=3D"font-family:Arial,verdana,Helvetica, sans-serif;color:#000=
000; font-weight:normal; color:#000000;padding: 0px;margin: 0;font-size: 10=
pt;"></h3><font style><font color=3D"#000000" face=3D"Arial, Helvetica" sty=
le=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: =
17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rg=
b(0, 0, 0); line-height: 17pt;"><font style><font color=3D"#000000" face=3D=
"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000=
000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);">

</font></font></font></font></font></font></font></font><p style=3D"margin:=
 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; color:#000000;lin=
e-height:1.7;font-family:Arial,verdana;font-size:12px;padding:0px;"></p><h3=
 style=3D"font-family:Arial,verdana,Helvetica, sans-serif;color:#000000; fo=
nt-weight:normal; color:#000000;padding: 0px;margin: 0;font-size: 10pt;"></=
h3><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0,=
 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-h=
eight: 17pt;"><font style><font color=3D"#000000" face=3D"Arial, Helvetica"=
 style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helv=
etica" 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></font></font></font><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><h3 style=
=3D"font-family:Arial,verdana,Helvetica, sans-serif;color:#000000; font-wei=
ght:normal; color:#000000;padding: 0px;margin: 0;font-size: 10pt;"></h3><fo=
nt color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0)=
; line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#00=
0000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: =
17pt;"><font style><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, Helv=
etica" style=3D"color: rgb(0, 0, 0);">

</font></font></font></font></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: r=
gb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font c=
olor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); li=
ne-height: 17pt;"><font style><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 color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"color: rgb(0, 0, 0);">

</font></font></font></font></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sa=
ns-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:Aria=
l, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family:Arial,v=
erdana;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;fon=
t-family:Arial,verdana;font-size:12px;padding:0px;"></p><font style><font c=
olor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); li=
ne-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000=
" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt=
;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0,=
 0, 0);"><span style=3D"font-size: 10pt;"></span></font></font></font></fon=
t><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><p style=3D"margin: 0;padding: 0px;font-family:Ari=
al, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family:Arial,=
verdana;font-size:12px;padding:0px;"></p><font color=3D"#000000" face=3D"Ar=
ial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font sty=
le=3D"line-height: 17pt;">
</font></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helveti=
ca, sans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;fon=
t-size:12px;padding:0px;"></p><p align=3D"center" style=3D"line-height:1.7;=
font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin:=
 0;text-align: center; line-height: 17pt;"><font style=3D"line-height: 17pt=
;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"open =
sans, helvetica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, 0=
, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"open sans, helvet=
ica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); font-=
size: 10pt; line-height: 17pt;"></font></font></font></font></font></p><p s=
tyle=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;fo=
nt-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt;"></p><=
font style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font =
face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"font-s=
ize: 10pt; line-height: 17pt;"><span style=3D"color: rgb(51, 51, 51); line-=
height: 17pt;"></span></font><font color=3D"#333333" style=3D"font-size: 10=
pt; font-family: lato, &quot;helvetica neue&quot;, helvetica, arial, sans-s=
erif; line-height: 17pt;"><span style=3D"line-height: 17pt;"></span><span s=
tyle=3D"line-height: 17pt;"></span></font><span style=3D"font-size: 10pt; f=
ont-family: lato, &quot;helvetica neue&quot;, helvetica, arial, sans-serif;=
 color: rgb(51, 51, 51); line-height: 17pt;"><span style=3D"line-height: 17=
pt;"></span></span><span style=3D"font-size: 10pt; font-family: lato, &quot=
;helvetica neue&quot;, helvetica, arial, sans-serif; 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: 17=
pt;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1736396831109" 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_1736396831109" 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:5px;padding-bottom:5px;pa=
dding-right:30px;padding-left:30px;">
             =09    =09=09<div componentlineheight=3D"17pt" componentpaddin=
gbottom=3D"5px" componentpaddingleft=3D"30px" componentpaddingright=3D"30px=
" componentpaddingtop=3D"5px" 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 s=
tyle=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font face=
=3D"open sans, helvetica neue, helvetica, arial, sans-serif" style=3D"font-=
size: 10pt; line-height: 17pt;"><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></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 =
style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=
=3D"#000000" face=3D"open sans, helvetica neue, helvetica, arial, sans-seri=
f" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"></font></font></font><=
/p><p align=3D"center" style=3D"line-height:1.7;font-family:Arial,verdana;f=
ont-size:12px; color:#000000;padding:0px;margin: 0;text-align: center; line=
-height: 17pt;"><font style=3D"line-height: 17pt;"><font style=3D"line-heig=
ht: 17pt;"><font color=3D"#000000" face=3D"open sans, helvetica neue, helve=
tica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font color=3D"#000000" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><=
/font></font></font></font></p><p align=3D"center" style=3D"line-height:1.7=
;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin=
: 0;text-align: center; line-height: 17pt;"><font style=3D"line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"open=
 sans, helvetica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0,=
 0, 0); line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"open sans, helve=
tica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); font=
-size: 10pt; line-height: 17pt;"></font></font></font></font></font></p><sp=
an style=3D"line-height: 17pt;"><font style><p align=3D"center" style=3D"li=
ne-height:1.7;font-family:Arial,verdana; color:#000000;padding:0px;margin: =
0;font-size: 10pt; text-align: center; line-height: 17pt;"><font color=3D"#=
000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height=
: 17pt;"><font style=3D"line-height: 17pt; font-size: 10pt;"></font></font>=
</p><p style=3D"line-height:1.7;font-family:Arial,verdana; color:#000000;pa=
dding:0px;margin: 0;font-size: 10pt; text-align: left; line-height: 17pt;">=
<font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0,=
 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"=
#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-heigh=
t: 17pt; font-size: 10pt;"><span></span></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=3D"#00=
0000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font style=
=3D"font-size: 10pt;"><span></span></font></font></font></font></font></p><=
p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:=
0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000"=
 face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;=
"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial,=
 Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font=
 style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rg=
b(0, 0, 0); font-size: 10pt;"></font></font></font></font></font></font></p=
><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;paddin=
g:0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#00000=
0" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Aria=
l, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font=
 style><font color=3D"#000000" face=3D"Arial, Helvetica" 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-size: 10pt;"></font></font></font></font></font></fo=
nt></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#=
000000;padding:0px;margin: 0;line-height: 17pt; text-align: left;"><font co=
lor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); lin=
e-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000"=
 face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;=
"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, =
0, 0);"><font style><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, Helv=
etica" style=3D"color: rgb(0, 0, 0); font-size: 10pt;"></font></font></font=
></font></font></font></font></font></p><p style=3D"font-family:Arial,verda=
na;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt; t=
ext-align: left;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17=
pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(=
0, 0, 0); line-height: 17pt;"><font style><font color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" fac=
e=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#00000=
0" 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-size:=
 10pt;"></font></font></font></font></font></font></font></font></p><p styl=
e=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;ma=
rgin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0); font-size: 10pt;"></font></font></font></font></font></fon=
t></font></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; c=
olor:#000000;padding:0px;margin: 0;line-height: 17pt; text-align: left;"><f=
ont color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0=
); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#0=
00000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height:=
 17pt;"><font style><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, Helv=
etica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial=
, Helvetica" style=3D"color: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;=
">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0); font-size: 10pt;"><span>

</span></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></font></p><=
p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:=
0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000"=
 face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;=
"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial,=
 Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><=
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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D=
"color: rgb(0, 0, 0); font-size: 10pt;">To further support those impacted, =
Commissioner Lara announced <strong style>free two-day insurance support wo=
rkshops</strong>:</font></font></font></font></font></font></font></font></=
p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;paddi=
ng:0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#0000=
00" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17=
pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Ari=
al, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font styl=
e><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: r=
gb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"co=
lor: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color: rgb(0, 0, 0); font-size: 10pt;">

</font></font></font></font></font></font></font></font></p><ul style=3D"fo=
nt-family: Arial, Helvetica; line-height: 17pt;"><li style=3D"font-family: =
Arial, Helvetica; line-height: 17pt; font-size: 10pt;"><font color=3D"#0000=
00" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17=
pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Ari=
al, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font styl=
e><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: r=
gb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"co=
lor: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color: rgb(0, 0, 0); font-size: 10pt;"><strong style><font style><a hre=
f=3D"https://bjagh-zgph.maillist-manage.net/click/1d7e25ae4a2743e0/1d7e25ae=
4a270088" rel=3D"noopener noreferrer" style=3D"text-decoration:underline;co=
lor: rgb(51, 51, 51);" target=3D"_blank" zcurl_name=3D"l_2">January 18&ndas=
h;19 in Santa Monica</a></font></strong></font></font></font></font></font>=
</font></font></font><li style=3D"font-family: Arial, Helvetica; line-heigh=
t: 17pt; font-size: 10pt;"><font color=3D"#000000" face=3D"Arial, Helvetica=
" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-hei=
ght: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0); line-height: 17pt;"><font style><font color=3D"#000000" fa=
ce=3D"Arial, Helvetica" 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 co=
lor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); fon=
t-size: 10pt;"><strong style><font style><a alt=3D"January 25&ndash;26 in P=
asadena" href=3D"https://bjagh-zgph.maillist-manage.net/click/1d7e25ae4a274=
3e0/1d7e25ae4a27008a" rel=3D"noopener noreferrer" style=3D"text-decoration:=
underline;color: rgb(51, 51, 51);" target=3D"_blank" title=3D"January 25&nd=
ash;26 in Pasadena" zcurl_name=3D"l_3"><font style>January 25&ndash;26 in P=
asadena</font></a></font></strong></font></font></font></font></font></font=
></font></font></ul></font><p style=3D"margin: 0;padding: 0px;font-family:A=
rial, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family:Aria=
l,verdana;font-size:12px;padding:0px;"></p><font color=3D"#000000" face=3D"=
Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font c=
olor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); li=
ne-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000=
" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt=
;"><font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"c=
olor: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" styl=
e=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></font></font></font></font><p style=3D"margin:=
 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; color:#000000;lin=
e-height:1.7;font-family:Arial,verdana;font-size:12px;padding:0px;"></p><fo=
nt color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0)=
; line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#00=
0000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: =
17pt;"><font style><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, Helv=
etica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial=
, Helvetica" style=3D"color: rgb(0, 0, 0); font-size: 10pt;">

</font></font></font></font></font></font></font></font></span><p style=3D"=
margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; color:#000=
000;line-height:1.7;font-family:Arial,verdana;font-size:12px;padding:0px;">=
</p><font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"=
color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"=
><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0=
, 0); line-height: 17pt;"><font style><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" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);">

</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>

</font></font></font></font></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: r=
gb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font c=
olor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); li=
ne-height: 17pt;"><font style><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 color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"color: rgb(0, 0, 0);">

</font></font></font></font></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sa=
ns-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:Aria=
l, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family:Arial,v=
erdana;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;fon=
t-family:Arial,verdana;font-size:12px;padding:0px;"></p><font style><font c=
olor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); li=
ne-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000=
" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt=
;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0,=
 0, 0);"><span style=3D"font-size: 10pt;"></span></font></font></font></fon=
t><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><p style=3D"margin: 0;padding: 0px;font-family:Ari=
al, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family:Arial,=
verdana;font-size:12px;padding:0px;"></p><font color=3D"#000000" face=3D"Ar=
ial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font sty=
le=3D"line-height: 17pt;">
</font></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helveti=
ca, sans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;fon=
t-size:12px;padding:0px;"></p><p align=3D"center" style=3D"line-height:1.7;=
font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin:=
 0;text-align: center; line-height: 17pt;"><font style=3D"line-height: 17pt=
;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"open =
sans, helvetica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, 0=
, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"open sans, helvet=
ica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); font-=
size: 10pt; line-height: 17pt;"></font></font></font></font></font></p><p s=
tyle=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;fo=
nt-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt;"></p><=
font style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font =
face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"font-s=
ize: 10pt; line-height: 17pt;"><span style=3D"color: rgb(51, 51, 51); line-=
height: 17pt;"></span></font><font color=3D"#333333" style=3D"font-size: 10=
pt; font-family: lato, &quot;helvetica neue&quot;, helvetica, arial, sans-s=
erif; line-height: 17pt;"><span style=3D"line-height: 17pt;"></span><span s=
tyle=3D"line-height: 17pt;"></span></font><span style=3D"font-size: 10pt; f=
ont-family: lato, &quot;helvetica neue&quot;, helvetica, arial, sans-serif;=
 color: rgb(51, 51, 51); line-height: 17pt;"><span style=3D"line-height: 17=
pt;"></span></span><span style=3D"font-size: 10pt; font-family: lato, &quot=
;helvetica neue&quot;, helvetica, arial, sans-serif; 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: 17=
pt;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1736396850770" 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_1736396850770" 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:5px;padding-bottom:5px;pa=
dding-right:30px;padding-left:30px;">
             =09    =09=09<div componentlineheight=3D"17pt" componentpaddin=
gbottom=3D"5px" componentpaddingleft=3D"30px" componentpaddingright=3D"30px=
" componentpaddingtop=3D"5px" style=3D"line-height: 17pt;"><span><font styl=
e=3D"font-size: 10pt;">

These workshops are designed to help survivors understand their insurance p=
olicies, navigate the claims process, and access resources for rebuilding a=
nd recovery. =F0=9F=93=9E <strong>Call 800-927-4357</strong> to schedule a =
one-on-one appointment with a Department of Insurance expert.

</font></span></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1736563789044" 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_1736563789044" 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:5px;padding-bottom:5px;pa=
dding-right:30px;padding-left:30px;">
             =09    =09=09<div componentlineheight=3D"17pt" componentpaddin=
gbottom=3D"5px" componentpaddingleft=3D"30px" componentpaddingright=3D"30px=
" componentpaddingtop=3D"5px" 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 s=
tyle=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font face=
=3D"open sans, helvetica neue, helvetica, arial, sans-serif" style=3D"font-=
size: 10pt; line-height: 17pt;"><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></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 =
style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=
=3D"#000000" face=3D"open sans, helvetica neue, helvetica, arial, sans-seri=
f" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"></font></font></font><=
/p><p align=3D"center" style=3D"line-height:1.7;font-family:Arial,verdana;f=
ont-size:12px; color:#000000;padding:0px;margin: 0;text-align: center; line=
-height: 17pt;"><font style=3D"line-height: 17pt;"><font style=3D"line-heig=
ht: 17pt;"><font color=3D"#000000" face=3D"open sans, helvetica neue, helve=
tica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font color=3D"#000000" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><=
/font></font></font></font></p><p align=3D"center" style=3D"line-height:1.7=
;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin=
: 0;text-align: center; line-height: 17pt;"><font style=3D"line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"open=
 sans, helvetica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0,=
 0, 0); line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"open sans, helve=
tica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); font=
-size: 10pt; line-height: 17pt;"></font></font></font></font></font></p><sp=
an style=3D"line-height: 17pt;"><font style><p align=3D"center" style=3D"li=
ne-height:1.7;font-family:Arial,verdana; color:#000000;padding:0px;margin: =
0;font-size: 10pt; text-align: center; line-height: 17pt;"><font color=3D"#=
000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height=
: 17pt;"><font style=3D"line-height: 17pt; font-size: 10pt;"></font></font>=
</p><p style=3D"line-height:1.7;font-family:Arial,verdana; color:#000000;pa=
dding:0px;margin: 0;font-size: 10pt; text-align: left; line-height: 17pt;">=
<font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0,=
 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"=
#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-heigh=
t: 17pt; font-size: 10pt;"><span></span></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=3D"#00=
0000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font style=
=3D"font-size: 10pt;"><span></span></font></font></font></font></font></p><=
p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:=
0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000"=
 face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;=
"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial,=
 Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font=
 style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rg=
b(0, 0, 0); font-size: 10pt;"></font></font></font></font></font></font></p=
><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;paddin=
g:0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#00000=
0" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Aria=
l, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font=
 style><font color=3D"#000000" face=3D"Arial, Helvetica" 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-size: 10pt;"></font></font></font></font></font></fo=
nt></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#=
000000;padding:0px;margin: 0;line-height: 17pt; text-align: left;"><font co=
lor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); lin=
e-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000"=
 face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;=
"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, =
0, 0);"><font style><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, Helv=
etica" style=3D"color: rgb(0, 0, 0); font-size: 10pt;"></font></font></font=
></font></font></font></font></font></p><p style=3D"font-family:Arial,verda=
na;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt; t=
ext-align: left;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17=
pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(=
0, 0, 0); line-height: 17pt;"><font style><font color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" fac=
e=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#00000=
0" 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-size:=
 10pt;"></font></font></font></font></font></font></font></font></p><p styl=
e=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;ma=
rgin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0); font-size: 10pt;"></font></font></font></font></font></fon=
t></font></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; c=
olor:#000000;padding:0px;margin: 0;line-height: 17pt; text-align: left;"><f=
ont color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0=
); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#0=
00000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height:=
 17pt;"><font style><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, Helv=
etica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial=
, Helvetica" style=3D"color: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;=
">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0); font-size: 10pt;"><span>

</span></font></font></font></font></font></font></font></font></p><h3 styl=
e=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; color=
:#000000;color:#000000; font-weight:normal;font-family:Arial,verdana,Helvet=
ica, sans-serif; color:#000000;font-size: 24px;"><font color=3D"#000000" fa=
ce=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><=
font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, He=
lvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><fon=
t 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: r=
gb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"co=
lor: rgb(0, 0, 0);"><strong style><font style=3D"font-size: 10pt;">

</font></strong></font></font></font></font></font></font></font></font></h=
3><h3 style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-se=
rif; color:#000000;color:#000000; font-weight:normal;font-family:Arial,verd=
ana,Helvetica, sans-serif; color:#000000;font-size: 24px;"><strong style><f=
ont style=3D"font-size: 10pt;">Key Policyholder Protections</font></strong>=
</h3>

</font><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rg=
b(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font co=
lor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); lin=
e-height: 17pt;"><font style><font color=3D"#000000" face=3D"Arial, Helveti=
ca" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, H=
elvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Ar=
ial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); font-size: 10pt;">

</font></font></font></font></font></font></font></font></span><p style=3D"=
margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; color:#000=
000;line-height:1.7;font-family:Arial,verdana;font-size:12px;padding:0px;">=
</p><h3 style=3D"font-family:Arial,verdana,Helvetica, sans-serif;color:#000=
000; font-weight:normal; color:#000000;padding: 0px;margin: 0;font-size: 10=
pt;"></h3><font style><font color=3D"#000000" face=3D"Arial, Helvetica" sty=
le=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: =
17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rg=
b(0, 0, 0); line-height: 17pt;"><font style><font color=3D"#000000" face=3D=
"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000=
000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);">

</font></font></font></font></font></font></font></font><p style=3D"margin:=
 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; color:#000000;lin=
e-height:1.7;font-family:Arial,verdana;font-size:12px;padding:0px;"></p><h3=
 style=3D"font-family:Arial,verdana,Helvetica, sans-serif;color:#000000; fo=
nt-weight:normal; color:#000000;padding: 0px;margin: 0;font-size: 10pt;"></=
h3><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0,=
 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-h=
eight: 17pt;"><font style><font color=3D"#000000" face=3D"Arial, Helvetica"=
 style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helv=
etica" 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></font></font></font><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><h3 style=
=3D"font-family:Arial,verdana,Helvetica, sans-serif;color:#000000; font-wei=
ght:normal; color:#000000;padding: 0px;margin: 0;font-size: 10pt;"></h3><fo=
nt color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0)=
; line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#00=
0000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: =
17pt;"><font style><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, Helv=
etica" style=3D"color: rgb(0, 0, 0);">

</font></font></font></font></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: r=
gb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font c=
olor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); li=
ne-height: 17pt;"><font style><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 color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"color: rgb(0, 0, 0);">

</font></font></font></font></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sa=
ns-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:Aria=
l, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family:Arial,v=
erdana;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;fon=
t-family:Arial,verdana;font-size:12px;padding:0px;"></p><font style><font c=
olor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); li=
ne-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000=
" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt=
;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0,=
 0, 0);"><span style=3D"font-size: 10pt;"></span></font></font></font></fon=
t><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><p style=3D"margin: 0;padding: 0px;font-family:Ari=
al, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family:Arial,=
verdana;font-size:12px;padding:0px;"></p><font color=3D"#000000" face=3D"Ar=
ial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font sty=
le=3D"line-height: 17pt;">
</font></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helveti=
ca, sans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;fon=
t-size:12px;padding:0px;"></p><p align=3D"center" style=3D"line-height:1.7;=
font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin:=
 0;text-align: center; line-height: 17pt;"><font style=3D"line-height: 17pt=
;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"open =
sans, helvetica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, 0=
, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"open sans, helvet=
ica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); font-=
size: 10pt; line-height: 17pt;"></font></font></font></font></font></p><p s=
tyle=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;fo=
nt-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt;"></p><=
font style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font =
face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"font-s=
ize: 10pt; line-height: 17pt;"><span style=3D"color: rgb(51, 51, 51); line-=
height: 17pt;"></span></font><font color=3D"#333333" style=3D"font-size: 10=
pt; font-family: lato, &quot;helvetica neue&quot;, helvetica, arial, sans-s=
erif; line-height: 17pt;"><span style=3D"line-height: 17pt;"></span><span s=
tyle=3D"line-height: 17pt;"></span></font><span style=3D"font-size: 10pt; f=
ont-family: lato, &quot;helvetica neue&quot;, helvetica, arial, sans-serif;=
 color: rgb(51, 51, 51); line-height: 17pt;"><span style=3D"line-height: 17=
pt;"></span></span><span style=3D"font-size: 10pt; font-family: lato, &quot=
;helvetica neue&quot;, helvetica, arial, sans-serif; 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: 17=
pt;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1736563775189" 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_1736563775189" 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:5px;padding-bottom:5px;pa=
dding-right:30px;padding-left:30px;">
             =09    =09=09<div componentlineheight=3D"17pt" componentpaddin=
gbottom=3D"5px" componentpaddingleft=3D"30px" componentpaddingright=3D"30px=
" componentpaddingtop=3D"5px" 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 s=
tyle=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font face=
=3D"open sans, helvetica neue, helvetica, arial, sans-serif" style=3D"font-=
size: 10pt; line-height: 17pt;"><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></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 =
style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=
=3D"#000000" face=3D"open sans, helvetica neue, helvetica, arial, sans-seri=
f" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"></font></font></font><=
/p><p align=3D"center" style=3D"line-height:1.7;font-family:Arial,verdana;f=
ont-size:12px; color:#000000;padding:0px;margin: 0;text-align: center; line=
-height: 17pt;"><font style=3D"line-height: 17pt;"><font style=3D"line-heig=
ht: 17pt;"><font color=3D"#000000" face=3D"open sans, helvetica neue, helve=
tica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font color=3D"#000000" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><=
/font></font></font></font></p><p align=3D"center" style=3D"line-height:1.7=
;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin=
: 0;text-align: center; line-height: 17pt;"><font style=3D"line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"open=
 sans, helvetica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0,=
 0, 0); line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"open sans, helve=
tica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); font=
-size: 10pt; line-height: 17pt;"></font></font></font></font></font></p><sp=
an style=3D"line-height: 17pt;"><font style><p align=3D"center" style=3D"li=
ne-height:1.7;font-family:Arial,verdana; color:#000000;padding:0px;margin: =
0;font-size: 10pt; text-align: center; line-height: 17pt;"><font color=3D"#=
000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height=
: 17pt;"><font style=3D"line-height: 17pt; font-size: 10pt;"></font></font>=
</p><p style=3D"line-height:1.7;font-family:Arial,verdana; color:#000000;pa=
dding:0px;margin: 0;font-size: 10pt; text-align: left; line-height: 17pt;">=
<font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0,=
 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"=
#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-heigh=
t: 17pt; font-size: 10pt;"><span></span></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=3D"#00=
0000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font style=
=3D"font-size: 10pt;"><span></span></font></font></font></font></font></p><=
p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:=
0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000"=
 face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;=
"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial,=
 Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font=
 style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rg=
b(0, 0, 0); font-size: 10pt;"></font></font></font></font></font></font></p=
><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;paddin=
g:0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#00000=
0" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Aria=
l, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font=
 style><font color=3D"#000000" face=3D"Arial, Helvetica" 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-size: 10pt;"></font></font></font></font></font></fo=
nt></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#=
000000;padding:0px;margin: 0;line-height: 17pt; text-align: left;"><font co=
lor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); lin=
e-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000"=
 face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;=
"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, =
0, 0);"><font style><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, Helv=
etica" style=3D"color: rgb(0, 0, 0); font-size: 10pt;"></font></font></font=
></font></font></font></font></font></p><p style=3D"font-family:Arial,verda=
na;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt; t=
ext-align: left;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17=
pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(=
0, 0, 0); line-height: 17pt;"><font style><font color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" fac=
e=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#00000=
0" 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-size:=
 10pt;"></font></font></font></font></font></font></font></font></p><p styl=
e=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;ma=
rgin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0); font-size: 10pt;"></font></font></font></font></font></fon=
t></font></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; c=
olor:#000000;padding:0px;margin: 0;line-height: 17pt; text-align: left;"><f=
ont color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0=
); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#0=
00000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height:=
 17pt;"><font style><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, Helv=
etica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial=
, Helvetica" style=3D"color: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;=
">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"line-height: 17pt;"><font style=3D"line-heig=
ht: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"line-=
height: 17pt;"><font style><font color=3D"#000000" face=3D"Arial, Helvetica=
" style><font color=3D"#000000" face=3D"Arial, Helvetica" style><font color=
=3D"#000000" face=3D"Arial, Helvetica" style><font color=3D"#000000" face=
=3D"Arial, Helvetica" style><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"line-height: 17pt;"><font style=3D"line-heig=
ht: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"line-=
height: 17pt;"><font style><font color=3D"#000000" face=3D"Arial, Helvetica=
" style><font color=3D"#000000" face=3D"Arial, Helvetica" style><font color=
=3D"#000000" face=3D"Arial, Helvetica" style><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font style=3D"font-si=
ze: 10pt;">

</font></font></font></font></font></font></font></font></font></p><h3 styl=
e=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; color=
:#000000;color:#000000; font-weight:normal;font-family:Arial,verdana,Helvet=
ica, sans-serif; color:#000000;font-size: 24px;"><font color=3D"#000000" fa=
ce=3D"Arial, Helvetica" style=3D"line-height: 17pt;"><font style=3D"line-he=
ight: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"lin=
e-height: 17pt;"><font style><font color=3D"#000000" face=3D"Arial, Helveti=
ca" style><font color=3D"#000000" face=3D"Arial, Helvetica" style><font col=
or=3D"#000000" face=3D"Arial, Helvetica" style><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font style><font styl=
e=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></font></h3>=
<h3 style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-seri=
f; color:#000000;color:#000000; font-weight:normal;font-family:Arial,verdan=
a,Helvetica, sans-serif; color:#000000;font-size: 24px;"><font style><font =
style=3D"font-size: 10pt;">

</font><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;=
padding:0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"=
#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font sty=
le=3D"font-size: 10pt;">

</font></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; col=
or:#000000;padding:0px;margin: 0;line-height: 17pt; text-align: left;"><fon=
t 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-size: 10pt;">Here are some significant protections now in place=
:</font></font></p><ul style=3D"font-family: Arial, Helvetica; line-height:=
 17pt; font-size: 10pt;"><li style=3D"font-family: Arial, Helvetica; line-h=
eight: 17pt; font-size: 10pt;"><font color=3D"#000000" face=3D"Arial, Helve=
tica" style=3D"color: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;"><stro=
ng>Extended Time for Replacement Costs:</strong> Insured individuals have u=
p to 36 months after the first payment to collect full replacement costs fo=
r losses related to a state of emergency, with additional six-month extensi=
ons for good cause.</font></font><li style=3D"font-family: Arial, Helvetica=
; line-height: 17pt; font-size: 10pt;"><font color=3D"#000000" face=3D"Aria=
l, Helvetica" style=3D"color: rgb(0, 0, 0);"><font style=3D"font-size: 10pt=
;"><strong>Coverage for Temporary Living Expenses:</strong> Policies provid=
e at least 24 months of additional living expense coverage in a state of em=
ergency, with extensions up to 36 months for delays beyond the insured&rsqu=
o;s control.</font></font><li style=3D"font-family: Arial, Helvetica; line-=
height: 17pt; font-size: 10pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;"><str=
ong style>Advance Payments for Living Expenses:</strong> Insurers must prov=
ide an advance payment of at least four months of living expenses for total=
 loss claims in a state of emergency.</font></font></ul><font color=3D"#000=
000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);">

</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></font></h3><h3 style=3D"font-family:Arial,verdana,H=
elvetica, sans-serif;color:#000000; font-weight:normal; color:#000000;paddi=
ng: 0px;margin: 0;font-size: 10pt; font-weight: bold;"></h3>

</font>

<font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Aria=
l, Helvetica" style=3D"line-height: 17pt;"><font style><font color=3D"#0000=
00" face=3D"Arial, Helvetica" style><font color=3D"#000000" face=3D"Arial, =
Helvetica" style><font color=3D"#000000" face=3D"Arial, Helvetica" style><f=
ont color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0=
);"><b style>

</b></font></font></font></font></font></font></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=
><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"line-height: 17=
pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Ari=
al, Helvetica" style=3D"line-height: 17pt;"><font style><font color=3D"#000=
000" face=3D"Arial, Helvetica" style><font color=3D"#000000" face=3D"Arial,=
 Helvetica" style><font color=3D"#000000" face=3D"Arial, Helvetica" style>

</font></font></font></font></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: r=
gb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font c=
olor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); li=
ne-height: 17pt;"><font style><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 color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"color: rgb(0, 0, 0);">

</font></font></font></font></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sa=
ns-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:Aria=
l, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family:Arial,v=
erdana;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;fon=
t-family:Arial,verdana;font-size:12px;padding:0px;"></p></span><font style>=
<font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0,=
 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"=
#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-heigh=
t: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color:=
 rgb(0, 0, 0);"><span style=3D"font-size: 10pt;"></span></font></font></fon=
t></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, s=
ans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;font-siz=
e:12px;padding:0px;"></p></font><p style=3D"margin: 0;padding: 0px;font-fam=
ily:Arial, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family=
:Arial,verdana;font-size:12px;padding:0px;"></p><font color=3D"#000000" fac=
e=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><f=
ont style=3D"line-height: 17pt;">
</font></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helveti=
ca, sans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;fon=
t-size:12px;padding:0px;"></p><p align=3D"center" style=3D"line-height:1.7;=
font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin:=
 0;text-align: center; line-height: 17pt;"><font style=3D"line-height: 17pt=
;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"open =
sans, helvetica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, 0=
, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"open sans, helvet=
ica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); font-=
size: 10pt; line-height: 17pt;"></font></font></font></font></font></p><p s=
tyle=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;fo=
nt-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt;"></p><=
font style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font =
face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"font-s=
ize: 10pt; line-height: 17pt;"><span style=3D"color: rgb(51, 51, 51); line-=
height: 17pt;"></span></font><font color=3D"#333333" style=3D"font-size: 10=
pt; font-family: lato, &quot;helvetica neue&quot;, helvetica, arial, sans-s=
erif; line-height: 17pt;"><span style=3D"line-height: 17pt;"></span><span s=
tyle=3D"line-height: 17pt;"></span></font><span style=3D"font-size: 10pt; f=
ont-family: lato, &quot;helvetica neue&quot;, helvetica, arial, sans-serif;=
 color: rgb(51, 51, 51); line-height: 17pt;"><span style=3D"line-height: 17=
pt;"></span></span><span style=3D"font-size: 10pt; font-family: lato, &quot=
;helvetica neue&quot;, helvetica, arial, sans-serif; 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: 17=
pt;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1736396923248" 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_1736396923248" 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:5px;padding-bottom:5px;pa=
dding-right:30px;padding-left:30px;">
             =09    =09=09<div componentlineheight=3D"17pt" componentpaddin=
gbottom=3D"5px" componentpaddingleft=3D"30px" componentpaddingright=3D"30px=
" componentpaddingtop=3D"5px" 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 s=
tyle=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font face=
=3D"open sans, helvetica neue, helvetica, arial, sans-serif" style=3D"font-=
size: 10pt; line-height: 17pt;"><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></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 =
style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=
=3D"#000000" face=3D"open sans, helvetica neue, helvetica, arial, sans-seri=
f" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"></font></font></font><=
/p><p align=3D"center" style=3D"line-height:1.7;font-family:Arial,verdana;f=
ont-size:12px; color:#000000;padding:0px;margin: 0;text-align: center; line=
-height: 17pt;"><font style=3D"line-height: 17pt;"><font style=3D"line-heig=
ht: 17pt;"><font color=3D"#000000" face=3D"open sans, helvetica neue, helve=
tica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font color=3D"#000000" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><=
/font></font></font></font></p><p align=3D"center" style=3D"line-height:1.7=
;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin=
: 0;text-align: center; line-height: 17pt;"><font style=3D"line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"open=
 sans, helvetica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0,=
 0, 0); line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"open sans, helve=
tica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); font=
-size: 10pt; line-height: 17pt;"></font></font></font></font></font></p><sp=
an style=3D"line-height: 17pt;"><font style><p align=3D"center" style=3D"li=
ne-height:1.7;font-family:Arial,verdana; color:#000000;padding:0px;margin: =
0;font-size: 10pt; text-align: center; line-height: 17pt;"><font color=3D"#=
000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height=
: 17pt;"><font style=3D"line-height: 17pt; font-size: 10pt;"></font></font>=
</p><p style=3D"line-height:1.7;font-family:Arial,verdana; color:#000000;pa=
dding:0px;margin: 0;font-size: 10pt; text-align: left; line-height: 17pt;">=
<font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0,=
 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"=
#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-heigh=
t: 17pt; font-size: 10pt;"><span></span></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=3D"#00=
0000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font style=
=3D"font-size: 10pt;"><span></span></font></font></font></font></font></p><=
p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:=
0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000"=
 face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;=
"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial,=
 Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font=
 style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rg=
b(0, 0, 0); font-size: 10pt;"></font></font></font></font></font></font></p=
><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;paddin=
g:0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#00000=
0" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Aria=
l, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font=
 style><font color=3D"#000000" face=3D"Arial, Helvetica" 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-size: 10pt;"></font></font></font></font></font></fo=
nt></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#=
000000;padding:0px;margin: 0;line-height: 17pt; text-align: left;"><font co=
lor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); lin=
e-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000"=
 face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;=
"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, =
0, 0);"><font style><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, Helv=
etica" style=3D"color: rgb(0, 0, 0); font-size: 10pt;"></font></font></font=
></font></font></font></font></font></p><p style=3D"font-family:Arial,verda=
na;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt; t=
ext-align: left;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17=
pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(=
0, 0, 0); line-height: 17pt;"><font style><font color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" fac=
e=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#00000=
0" 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-size:=
 10pt;"></font></font></font></font></font></font></font></font></p><p styl=
e=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;ma=
rgin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0); font-size: 10pt;"></font></font></font></font></font></fon=
t></font></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; c=
olor:#000000;padding:0px;margin: 0;line-height: 17pt; text-align: left;"><f=
ont color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0=
); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#0=
00000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height:=
 17pt;"><font style><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, Helv=
etica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial=
, Helvetica" style=3D"color: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;=
">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><h3 styl=
e=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; color=
:#000000;color:#000000; font-weight:normal;font-family:Arial,verdana,Helvet=
ica, sans-serif; color:#000000;font-size: 24px;"><font color=3D"#000000" fa=
ce=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><=
font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, He=
lvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><fon=
t 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: r=
gb(0, 0, 0);"><strong style><font style=3D"font-size: 10pt;">Our Commitment=
 to You</font></strong></font></font></font></font></font></font></font></h=
3><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-h=
eight: 17pt;"><font style><font color=3D"#000000" face=3D"Arial, Helvetica"=
 style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial=
, Helvetica" style=3D"color: rgb(0, 0, 0);">

<b style=3D"font-size: 10pt;"></b></font></font></font></font></font></font=
></font></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvet=
ica, sans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;fo=
nt-size:12px;padding:0px;"></p><font color=3D"#000000" face=3D"Arial, Helve=
tica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line=
-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"=
color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);">

</font></font></font></font></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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><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>

</font></font></font></font></font></font><p style=3D"margin: 0;padding: 0p=
x;font-family:Arial, Helvetica, sans-serif; color:#000000;line-height:1.7;f=
ont-family:Arial,verdana;font-size:12px;padding:0px;"></p><font color=3D"#0=
00000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height:=
 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"=
Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font s=
tyle><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></font></font></font><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: r=
gb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font c=
olor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); li=
ne-height: 17pt;"><font style><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 color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"color: rgb(0, 0, 0);">

</font></font></font></font></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sa=
ns-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:Aria=
l, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family:Arial,v=
erdana;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;fon=
t-family:Arial,verdana;font-size:12px;padding:0px;"></p></span><font style>=
<font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0,=
 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"=
#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-heigh=
t: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color:=
 rgb(0, 0, 0);"><span style=3D"font-size: 10pt;"></span></font></font></fon=
t></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, s=
ans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;font-siz=
e:12px;padding:0px;"></p></font><p style=3D"margin: 0;padding: 0px;font-fam=
ily:Arial, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family=
:Arial,verdana;font-size:12px;padding:0px;"></p><font color=3D"#000000" fac=
e=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><f=
ont style=3D"line-height: 17pt;">
</font></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helveti=
ca, sans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;fon=
t-size:12px;padding:0px;"></p><p align=3D"center" style=3D"line-height:1.7;=
font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin:=
 0;text-align: center; line-height: 17pt;"><font style=3D"line-height: 17pt=
;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"open =
sans, helvetica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, 0=
, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"open sans, helvet=
ica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); font-=
size: 10pt; line-height: 17pt;"></font></font></font></font></font></p><p s=
tyle=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;fo=
nt-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt;"></p><=
font style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font =
face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"font-s=
ize: 10pt; line-height: 17pt;"><span style=3D"color: rgb(51, 51, 51); line-=
height: 17pt;"></span></font><font color=3D"#333333" style=3D"font-size: 10=
pt; font-family: lato, &quot;helvetica neue&quot;, helvetica, arial, sans-s=
erif; line-height: 17pt;"><span style=3D"line-height: 17pt;"></span><span s=
tyle=3D"line-height: 17pt;"></span></font><span style=3D"font-size: 10pt; f=
ont-family: lato, &quot;helvetica neue&quot;, helvetica, arial, sans-serif;=
 color: rgb(51, 51, 51); line-height: 17pt;"><span style=3D"line-height: 17=
pt;"></span></span><span style=3D"font-size: 10pt; font-family: lato, &quot=
;helvetica neue&quot;, helvetica, arial, sans-serif; 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: 17=
pt;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1736564093300" 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_1736564093300" 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:5px;padding-bottom:5px;pa=
dding-right:30px;padding-left:30px;">
             =09    =09=09<div componentlineheight=3D"17pt" componentpaddin=
gbottom=3D"5px" componentpaddingleft=3D"30px" componentpaddingright=3D"30px=
" componentpaddingtop=3D"5px" style=3D"line-height: 17pt;"><font style><fon=
t style=3D"font-size: 10pt;">



</font><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;=
padding:0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"=
#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); font-size:=
 10pt;">At Grand Mutual Insurance Services, we are here to support you duri=
ng this difficult time. If you have questions about your policy, need assis=
tance with claims, or require guidance on these resources, please don&rsquo=
;t hesitate to reach out:&nbsp;<span><br>

</span></font></p><ul style=3D"font-family: Arial, Helvetica; line-height: =
17pt; font-size: 10pt;"><li style=3D"font-family: Arial, Helvetica; line-he=
ight: 17pt; font-size: 10pt;"><font style=3D"font-size: 10pt;"><strong>Phon=
e Assistance: <a alt=3D"(888) 732-5994" href=3D"tel:(888) 893-8207" style=
=3D"text-decoration:underline;color: rgb(0, 0, 0);" target=3D"_self" title=
=3D"(888) 732-5994" zcurl_name=3D"l_4"><font color=3D"#000000" style=3D"col=
or:#000000;">(888) 732-5994</font></a></strong><span><br>

</span></font><li style=3D"font-family: Arial, Helvetica; line-height: 17pt=
; font-size: 10pt;"><font style=3D"font-size: 10pt;"><strong style>Email As=
sistance:</strong> <a alt=3D"info@grandmutual.com" href=3D"mailto:info@gran=
dmutual.com?subject=3DImportant%20Updates%20on%20Insurance%20Protections%20=
and%20Resources%20Amid%20Los%20Angeles%20Wildfires" style=3D"text-decoratio=
n:underline;color: rgb(0, 0, 0);" target=3D"_self" title=3D"info@grandmutua=
l.com"><font color=3D"#000000" style=3D"color:#000000;"><b>info@grandmutual=
.com</b></font></a></font></ul>



</font></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1736564272314" 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_1736564272314" 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:5px;padding-bottom:5px;pa=
dding-right:30px;padding-left:30px;">
             =09    =09=09<div componentlineheight=3D"17pt" componentpaddin=
gbottom=3D"5px" componentpaddingleft=3D"30px" componentpaddingright=3D"30px=
" componentpaddingtop=3D"5px" 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 s=
tyle=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font face=
=3D"open sans, helvetica neue, helvetica, arial, sans-serif" style=3D"font-=
size: 10pt; line-height: 17pt;"><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></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 =
style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=
=3D"#000000" face=3D"open sans, helvetica neue, helvetica, arial, sans-seri=
f" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"></font></font></font><=
/p><p align=3D"center" style=3D"line-height:1.7;font-family:Arial,verdana;f=
ont-size:12px; color:#000000;padding:0px;margin: 0;text-align: center; line=
-height: 17pt;"><font style=3D"line-height: 17pt;"><font style=3D"line-heig=
ht: 17pt;"><font color=3D"#000000" face=3D"open sans, helvetica neue, helve=
tica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font color=3D"#000000" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><=
/font></font></font></font></p><p align=3D"center" style=3D"line-height:1.7=
;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin=
: 0;text-align: center; line-height: 17pt;"><font style=3D"line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"open=
 sans, helvetica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0,=
 0, 0); line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"open sans, helve=
tica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); font=
-size: 10pt; line-height: 17pt;"></font></font></font></font></font></p><sp=
an style=3D"line-height: 17pt;"><font style><p align=3D"center" style=3D"li=
ne-height:1.7;font-family:Arial,verdana; color:#000000;padding:0px;margin: =
0;font-size: 10pt; text-align: center; line-height: 17pt;"><font color=3D"#=
000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height=
: 17pt;"><font style=3D"line-height: 17pt; font-size: 10pt;"></font></font>=
</p><p style=3D"line-height:1.7;font-family:Arial,verdana; color:#000000;pa=
dding:0px;margin: 0;font-size: 10pt; text-align: left; line-height: 17pt;">=
<font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0,=
 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"=
#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-heigh=
t: 17pt; font-size: 10pt;"><span></span></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=3D"#00=
0000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font style=
=3D"font-size: 10pt;"><span></span></font></font></font></font></font></p><=
p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:=
0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000"=
 face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;=
"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial,=
 Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font=
 style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rg=
b(0, 0, 0); font-size: 10pt;"></font></font></font></font></font></font></p=
><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;paddin=
g:0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#00000=
0" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Aria=
l, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font=
 style><font color=3D"#000000" face=3D"Arial, Helvetica" 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-size: 10pt;"></font></font></font></font></font></fo=
nt></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#=
000000;padding:0px;margin: 0;line-height: 17pt; text-align: left;"><font co=
lor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); lin=
e-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000"=
 face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;=
"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, =
0, 0);"><font style><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, Helv=
etica" style=3D"color: rgb(0, 0, 0); font-size: 10pt;"></font></font></font=
></font></font></font></font></font></p><p style=3D"font-family:Arial,verda=
na;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt; t=
ext-align: left;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17=
pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(=
0, 0, 0); line-height: 17pt;"><font style><font color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" fac=
e=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#00000=
0" 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-size:=
 10pt;"></font></font></font></font></font></font></font></font></p><p styl=
e=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;ma=
rgin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0); font-size: 10pt;"></font></font></font></font></font></fon=
t></font></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; c=
olor:#000000;padding:0px;margin: 0;line-height: 17pt; text-align: left;"><f=
ont color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0=
); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#0=
00000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height:=
 17pt;"><font style><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, Helv=
etica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial=
, Helvetica" style=3D"color: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;=
">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><h3 styl=
e=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; color=
:#000000;color:#000000; font-weight:normal;font-family:Arial,verdana,Helvet=
ica, sans-serif; color:#000000;font-size: 24px;"><font color=3D"#000000" fa=
ce=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><=
font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, He=
lvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><fon=
t 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: r=
gb(0, 0, 0);"><strong style><font style><font style=3D"font-size: 10pt;">

</font></font></strong></font></font></font></font></font></font></font></h=
3><h3 style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-se=
rif; color:#000000;color:#000000; font-weight:normal;font-family:Arial,verd=
ana,Helvetica, sans-serif; color:#000000;font-size: 24px;"><strong style><f=
ont style=3D"font-size: 10pt;">Additional Resources</font></strong></h3>

</font><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rg=
b(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font co=
lor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); lin=
e-height: 17pt;"><font style><font color=3D"#000000" face=3D"Arial, Helveti=
ca" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, H=
elvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Ar=
ial, Helvetica" style=3D"color: rgb(0, 0, 0);">

<b style=3D"font-size: 10pt;"></b></font></font></font></font></font></font=
></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sa=
ns-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;font-size=
:12px;padding:0px;"></p><font color=3D"#000000" face=3D"Arial, Helvetica" s=
tyle=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height=
: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: =
rgb(0, 0, 0); line-height: 17pt;"><font style><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></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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><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>

</font></font></font></font></font></font><p style=3D"margin: 0;padding: 0p=
x;font-family:Arial, Helvetica, sans-serif; color:#000000;line-height:1.7;f=
ont-family:Arial,verdana;font-size:12px;padding:0px;"></p><font color=3D"#0=
00000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height:=
 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"=
Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font s=
tyle><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></font></font></font><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: r=
gb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font c=
olor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); li=
ne-height: 17pt;"><font style><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 color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"color: rgb(0, 0, 0);">

</font></font></font></font></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sa=
ns-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:Aria=
l, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family:Arial,v=
erdana;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;fon=
t-family:Arial,verdana;font-size:12px;padding:0px;"></p></span><font style>=
<font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0,=
 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"=
#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-heigh=
t: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color:=
 rgb(0, 0, 0);"><span style=3D"font-size: 10pt;"></span></font></font></fon=
t></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, s=
ans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;font-siz=
e:12px;padding:0px;"></p></font><p style=3D"margin: 0;padding: 0px;font-fam=
ily:Arial, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family=
:Arial,verdana;font-size:12px;padding:0px;"></p><font color=3D"#000000" fac=
e=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><f=
ont style=3D"line-height: 17pt;">
</font></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helveti=
ca, sans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;fon=
t-size:12px;padding:0px;"></p><p align=3D"center" style=3D"line-height:1.7;=
font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin:=
 0;text-align: center; line-height: 17pt;"><font style=3D"line-height: 17pt=
;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"open =
sans, helvetica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, 0=
, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"open sans, helvet=
ica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); font-=
size: 10pt; line-height: 17pt;"></font></font></font></font></font></p><p s=
tyle=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;fo=
nt-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt;"></p><=
font style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font =
face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"font-s=
ize: 10pt; line-height: 17pt;"><span style=3D"color: rgb(51, 51, 51); line-=
height: 17pt;"></span></font><font color=3D"#333333" style=3D"font-size: 10=
pt; font-family: lato, &quot;helvetica neue&quot;, helvetica, arial, sans-s=
erif; line-height: 17pt;"><span style=3D"line-height: 17pt;"></span><span s=
tyle=3D"line-height: 17pt;"></span></font><span style=3D"font-size: 10pt; f=
ont-family: lato, &quot;helvetica neue&quot;, helvetica, arial, sans-serif;=
 color: rgb(51, 51, 51); line-height: 17pt;"><span style=3D"line-height: 17=
pt;"></span></span><span style=3D"font-size: 10pt; font-family: lato, &quot=
;helvetica neue&quot;, helvetica, arial, sans-serif; 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: 17=
pt;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1736397009085" 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_1736397009085" 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:5px;padding-bottom:20px;p=
adding-right:30px;padding-left:30px;">
             =09    =09=09<div componentlineheight=3D"17pt" componentpaddin=
gbottom=3D"20px" componentpaddingleft=3D"30px" componentpaddingright=3D"30p=
x" componentpaddingtop=3D"5px" style=3D"line-height: 17pt;"><p align=3D"lef=
t" 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 =
style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font face=
=3D"open sans, helvetica neue, helvetica, arial, sans-serif" style=3D"font-=
size: 10pt; line-height: 17pt;"><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></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 =
style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=
=3D"#000000" face=3D"open sans, helvetica neue, helvetica, arial, sans-seri=
f" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"></font></font></font><=
/p><p align=3D"center" style=3D"line-height:1.7;font-family:Arial,verdana;f=
ont-size:12px; color:#000000;padding:0px;margin: 0;text-align: center; line=
-height: 17pt;"><font style=3D"line-height: 17pt;"><font style=3D"line-heig=
ht: 17pt;"><font color=3D"#000000" face=3D"open sans, helvetica neue, helve=
tica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font color=3D"#000000" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><=
/font></font></font></font></p><p align=3D"center" style=3D"line-height:1.7=
;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin=
: 0;text-align: center; line-height: 17pt;"><font style=3D"line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"open=
 sans, helvetica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0,=
 0, 0); line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"open sans, helve=
tica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); font=
-size: 10pt; line-height: 17pt;"></font></font></font></font></font></p><sp=
an style=3D"line-height: 17pt;"><font style><p align=3D"center" style=3D"li=
ne-height:1.7;font-family:Arial,verdana; color:#000000;padding:0px;margin: =
0;font-size: 10pt; text-align: center; line-height: 17pt;"><font color=3D"#=
000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height=
: 17pt;"><font style=3D"line-height: 17pt; font-size: 10pt;"></font></font>=
</p><p style=3D"line-height:1.7;font-family:Arial,verdana; color:#000000;pa=
dding:0px;margin: 0;font-size: 10pt; text-align: left; line-height: 17pt;">=
<font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0,=
 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"=
#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-heigh=
t: 17pt; font-size: 10pt;"><span></span></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=3D"#00=
0000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font style=
=3D"font-size: 10pt;"><span></span></font></font></font></font></font></p><=
p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:=
0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000"=
 face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;=
"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial,=
 Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font=
 style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rg=
b(0, 0, 0); font-size: 10pt;"></font></font></font></font></font></font></p=
><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;paddin=
g:0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#00000=
0" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Aria=
l, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font=
 style><font color=3D"#000000" face=3D"Arial, Helvetica" 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-size: 10pt;"></font></font></font></font></font></fo=
nt></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#=
000000;padding:0px;margin: 0;line-height: 17pt; text-align: left;"><font co=
lor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); lin=
e-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000"=
 face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;=
"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, =
0, 0);"><font style><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, Helv=
etica" style=3D"color: rgb(0, 0, 0); font-size: 10pt;"></font></font></font=
></font></font></font></font></font></p><p style=3D"font-family:Arial,verda=
na;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt; t=
ext-align: left;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17=
pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(=
0, 0, 0); line-height: 17pt;"><font style><font color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" fac=
e=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#00000=
0" 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-size:=
 10pt;"></font></font></font></font></font></font></font></font></p><p styl=
e=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;ma=
rgin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0); font-size: 10pt;"></font></font></font></font></font></fon=
t></font></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; c=
olor:#000000;padding:0px;margin: 0;line-height: 17pt; text-align: left;"><f=
ont color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0=
); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#0=
00000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height:=
 17pt;"><font style><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, Helv=
etica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial=
, Helvetica" style=3D"color: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;=
">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"line-height: 17pt;"><font style=3D"line-heig=
ht: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"line-=
height: 17pt;"><font style><font color=3D"#000000" face=3D"Arial, Helvetica=
" style><font color=3D"#000000" face=3D"Arial, Helvetica" style><font color=
=3D"#000000" face=3D"Arial, Helvetica" style><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"font-size: 10pt;"><span>

</span></font></font></font></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font face=3D"Arial, Helvetica=
" style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font fac=
e=3D"Arial, Helvetica" style=3D"line-height: 17pt;"><font style><font face=
=3D"Arial, Helvetica" style><font face=3D"Arial, Helvetica" style><font fac=
e=3D"Arial, Helvetica" style><font face=3D"Arial, Helvetica" style><font fa=
ce=3D"Arial, Helvetica" style=3D"font-size: 10pt;">For more detailed inform=
ation on these announcements and to verify if your area is included in the =
moratorium, please visit the California Department of Insurance&rsquo;s web=
site: <a href=3D"https://bjagh-zgph.maillist-manage.net/click/1d7e25ae4a274=
3e0/1d7e25ae4a27008c" style=3D"text-decoration:underline;color: rgb(0, 0, 0=
);" zcurl_name=3D"l_6"><font color=3D"#000000" style=3D"color:#000000;"><b>=
Mandatory One-Year Moratorium on Non-Renewals</b></font></a>.</font></font>=
</font></font></font></font></font></font></font></p><p style=3D"font-famil=
y:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-he=
ight: 17pt; text-align: left;"><font color=3D"#000000" face=3D"Arial, Helve=
tica" style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font=
 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"line-height: 17pt;"><=
font style><font color=3D"#000000" face=3D"Arial, Helvetica" style><font co=
lor=3D"#000000" face=3D"Arial, Helvetica" style><font color=3D"#000000" fac=
e=3D"Arial, Helvetica" style><font color=3D"#000000" face=3D"Arial, Helveti=
ca" style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-s=
ize: 10pt;"><br></font></font></font></font></font></font></font></font></f=
ont></p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000=
;padding:0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D=
"#000000" face=3D"Arial, Helvetica" style=3D"line-height: 17pt;"><font styl=
e=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" =
style=3D"line-height: 17pt;"><font style><font color=3D"#000000" face=3D"Ar=
ial, Helvetica" style><font color=3D"#000000" face=3D"Arial, Helvetica" sty=
le><font color=3D"#000000" face=3D"Arial, Helvetica" style><font color=3D"#=
000000" face=3D"Arial, Helvetica" style><font color=3D"#000000" face=3D"Ari=
al, Helvetica" style=3D"font-size: 10pt;">We are here to help you through t=
his challenging time. Please stay safe, and let us know how we can assist y=
ou.</font></font></font></font></font></font></font></font></font></p><font=
 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"line-height: 17pt;"><=
font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, He=
lvetica" style=3D"line-height: 17pt;"><font style><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style><font color=3D"#000000" face=3D"Arial, Helve=
tica" style><font color=3D"#000000" face=3D"Arial, Helvetica" style><font c=
olor=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-size: 10pt;">

</font></font></font></font></font></font></font></font></font></span><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><font style><font color=3D"#000000" face=3D"Arial, Helvetica" st=
yle=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height:=
 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: r=
gb(0, 0, 0); line-height: 17pt;"><font style><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></font></font></font></font><p style=3D"margin:=
 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; color:#000000;lin=
e-height:1.7;font-family:Arial,verdana;font-size:12px;padding:0px;"></p><fo=
nt color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0)=
; line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#00=
0000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: =
17pt;"><font style><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, Helv=
etica" style=3D"color: rgb(0, 0, 0);">

<b style=3D"font-size: 10pt;"></b></font></font></font></font></font></font=
></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sa=
ns-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;font-size=
:12px;padding:0px;"></p><font color=3D"#000000" face=3D"Arial, Helvetica" s=
tyle=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height=
: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: =
rgb(0, 0, 0); line-height: 17pt;"><font style><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></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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><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>

</font></font></font></font></font></font><p style=3D"margin: 0;padding: 0p=
x;font-family:Arial, Helvetica, sans-serif; color:#000000;line-height:1.7;f=
ont-family:Arial,verdana;font-size:12px;padding:0px;"></p><font color=3D"#0=
00000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height:=
 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"=
Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font s=
tyle><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></font></font></font><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: r=
gb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font c=
olor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); li=
ne-height: 17pt;"><font style><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 color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"color: rgb(0, 0, 0);">

</font></font></font></font></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-=
height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: 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></font></font></font><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><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sa=
ns-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:Aria=
l, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family:Arial,v=
erdana;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;fon=
t-family:Arial,verdana;font-size:12px;padding:0px;"></p><font style><font c=
olor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); li=
ne-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000=
" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt=
;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0,=
 0, 0);"><span style=3D"font-size: 10pt;"></span></font></font></font></fon=
t><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><p style=3D"margin: 0;padding: 0px;font-family:Ari=
al, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family:Arial,=
verdana;font-size:12px;padding:0px;"></p><font color=3D"#000000" face=3D"Ar=
ial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font sty=
le=3D"line-height: 17pt;">
</font></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helveti=
ca, sans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;fon=
t-size:12px;padding:0px;"></p><p align=3D"center" style=3D"line-height:1.7;=
font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin:=
 0;text-align: center; line-height: 17pt;"><font style=3D"line-height: 17pt=
;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"open =
sans, helvetica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, 0=
, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"open sans, helvet=
ica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); font-=
size: 10pt; line-height: 17pt;"></font></font></font></font></font></p><p s=
tyle=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;fo=
nt-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt;"></p><=
font style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font =
face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"font-s=
ize: 10pt; line-height: 17pt;"><span style=3D"color: rgb(51, 51, 51); line-=
height: 17pt;"></span></font><font color=3D"#333333" style=3D"font-size: 10=
pt; font-family: lato, &quot;helvetica neue&quot;, helvetica, arial, sans-s=
erif; line-height: 17pt;"><span style=3D"line-height: 17pt;"></span><span s=
tyle=3D"line-height: 17pt;"></span></font><span style=3D"font-size: 10pt; f=
ont-family: lato, &quot;helvetica neue&quot;, helvetica, arial, sans-serif;=
 color: rgb(51, 51, 51); line-height: 17pt;"><span style=3D"line-height: 17=
pt;"></span></span><span style=3D"font-size: 10pt; font-family: lato, &quot=
;helvetica neue&quot;, helvetica, arial, sans-serif; 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: 17=
pt;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1713822196086" 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_1713822196086" 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:5px;padding-bottom:20px;p=
adding-right:30px;padding-left:30px;">
             =09    =09=09<div componentlineheight=3D"17pt" componentpaddin=
gbottom=3D"20px" componentpaddingleft=3D"30px" componentpaddingright=3D"30p=
x" componentpaddingtop=3D"5px" style=3D"line-height: 17pt;"><p align=3D"lef=
t" 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 =
style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font face=
=3D"open sans, helvetica neue, helvetica, arial, sans-serif" style=3D"font-=
size: 10pt; line-height: 17pt;"><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></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 =
style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=
=3D"#000000" face=3D"open sans, helvetica neue, helvetica, arial, sans-seri=
f" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"></font></font></font><=
/p><p align=3D"center" style=3D"line-height:1.7;font-family:Arial,verdana;f=
ont-size:12px; color:#000000;padding:0px;margin: 0;text-align: center; line=
-height: 17pt;"><font style=3D"line-height: 17pt;"><font style=3D"line-heig=
ht: 17pt;"><font color=3D"#000000" face=3D"open sans, helvetica neue, helve=
tica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); line-height: 17pt;">=
<font color=3D"#000000" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><=
/font></font></font></font></p><p align=3D"center" style=3D"line-height:1.7=
;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin=
: 0;text-align: center; line-height: 17pt;"><font style=3D"line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"open=
 sans, helvetica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0,=
 0, 0); line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"open sans, helve=
tica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); font=
-size: 10pt; line-height: 17pt;"></font></font></font></font></font></p><sp=
an style=3D"line-height: 17pt;"><font style><p align=3D"center" style=3D"li=
ne-height:1.7;font-family:Arial,verdana; color:#000000;padding:0px;margin: =
0;font-size: 10pt; text-align: center; line-height: 17pt;"><font color=3D"#=
000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height=
: 17pt;"><font style=3D"line-height: 17pt; font-size: 10pt;"></font></font>=
</p><p style=3D"line-height:1.7;font-family:Arial,verdana; color:#000000;pa=
dding:0px;margin: 0;font-size: 10pt; text-align: left; line-height: 17pt;">=
<font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0,=
 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"=
#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-heigh=
t: 17pt; font-size: 10pt;"><span></span></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=3D"#00=
0000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font style=
=3D"font-size: 10pt;"><span></span></font></font></font></font></font></p><=
p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:=
0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#000000"=
 face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;=
"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial,=
 Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font=
 style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rg=
b(0, 0, 0); font-size: 10pt;"></font></font></font></font></font></font></p=
><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;paddin=
g:0px;margin: 0;line-height: 17pt; text-align: left;"><font color=3D"#00000=
0" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Aria=
l, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font=
 style><font color=3D"#000000" face=3D"Arial, Helvetica" 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-size: 10pt;"></font></font></font></font></font></fo=
nt></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#=
000000;padding:0px;margin: 0;line-height: 17pt; text-align: left;"><font co=
lor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); lin=
e-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000"=
 face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;=
"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, =
0, 0);"><font style><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, Helv=
etica" style=3D"color: rgb(0, 0, 0);"></font></font></font></font></font></=
font></font></font></p><p style=3D"line-height:1.7;font-family:Arial,verdan=
a; color:#000000;padding:0px;margin: 0;font-size: 10pt; line-height: 17pt; =
text-align: left;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17=
pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(=
0, 0, 0); line-height: 17pt;"><font style><font color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" fac=
e=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#00000=
0" 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-size:=
 10pt;"></font></font></font></font></font></font></font></font></p><p styl=
e=3D"line-height:1.7;font-family:Arial,verdana; color:#000000;padding:0px;m=
argin: 0;font-size: 10pt; line-height: 17pt; text-align: left;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-h=
eight: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" fa=
ce=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><=
font style><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" st=
yle=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helveti=
ca" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, H=
elvetica" style=3D"color: rgb(0, 0, 0); font-size: 10pt;"></font></font></f=
ont></font></font></font></font></font></font></p><p style=3D"line-height:1=
.7;font-family:Arial,verdana; color:#000000;padding:0px;margin: 0;font-size=
: 10pt; line-height: 17pt; text-align: left;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><fo=
nt style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color: rgb(0, 0, 0); font-size: 10pt;"></font></font></font></font></fo=
nt></font></font></font></font></p><p style=3D"line-height:1.7;font-family:=
Arial,verdana; color:#000000;padding:0px;margin: 0;font-size: 10pt; line-he=
ight: 17pt; text-align: left;"><font color=3D"#000000" face=3D"Arial, Helve=
tica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line=
-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"=
color: rgb(0, 0, 0); line-height: 17pt;"><font style><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 colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><fon=
t 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-size: 10pt;"></font></font></font></font></font></font></font><=
/font></font></p><p style=3D"line-height:1.7;font-family:Arial,verdana; col=
or:#000000;padding:0px;margin: 0;font-size: 10pt; line-height: 17pt; text-a=
lign: left;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"col=
or: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><f=
ont color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0=
); line-height: 17pt;"><font style><font color=3D"#000000" face=3D"Arial, H=
elvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Ar=
ial, 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-size: 10pt;"=
></font></font></font></font></font></font></font></font></p><p style=3D"li=
ne-height:1.7;font-family:Arial,verdana; color:#000000;padding:0px;margin: =
0;font-size: 10pt; line-height: 17pt; text-align: left;"><font color=3D"#00=
0000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: =
17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font st=
yle><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 color=3D"#000000" face=3D"Arial, Helvetica" sty=
le=3D"color: rgb(0, 0, 0); font-size: 10pt;"></font></font></font></font></=
font></font></font></font></p><p style=3D"line-height:1.7;font-family:Arial=
,verdana; color:#000000;padding:0px;margin: 0;font-size: 10pt; line-height:=
 17pt; text-align: left;"><font color=3D"#000000" face=3D"Arial, Helvetica"=
 style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-heig=
ht: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color=
: rgb(0, 0, 0); line-height: 17pt;"><font style><font color=3D"#000000" fac=
e=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#00000=
0" 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 col=
or=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); font=
-size: 10pt;"></font></font></font></font></font></font></font></font></p><=
p style=3D"line-height:1.7;font-family:Arial,verdana; color:#000000;padding=
:0px;margin: 0;font-size: 10pt; line-height: 17pt; text-align: left;"><font=
 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); =
line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#0000=
00" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17=
pt;"><font style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D=
"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" st=
yle=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helveti=
ca" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, H=
elvetica" style=3D"color: rgb(0, 0, 0); font-size: 10pt;"></font></font></f=
ont></font></font></font></font></font></p><p style=3D"font-family:Arial,ve=
rdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt=
; text-align: left;"><font color=3D"#000000" face=3D"Arial, Helvetica" styl=
e=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 1=
7pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb=
(0, 0, 0); line-height: 17pt;"><font style><font color=3D"#000000" face=3D"=
Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" fa=
ce=3D"Arial, Helvetica" 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-size=
: 10pt;">Warm Regards,&nbsp;</font></font></font></font></font></font></fon=
t></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#0=
00000;padding:0px;margin: 0;line-height: 17pt; text-align: left;"><font col=
or=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line=
-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" =
face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"=
><font style><font face=3D"Arial, Helvetica" style=3D"font-size: 10pt;"><b>=
Team at Grand Mutual Insurance Services</b></font></font></font></font></fo=
nt></p><p style=3D"line-height:1.7;font-family:Arial,verdana; color:#000000=
;padding:0px;margin: 0;font-size: 10pt;"></p><p style=3D"line-height:1.7;fo=
nt-family:Arial,verdana; color:#000000;padding:0px;margin: 0;font-size: 10p=
t;"></p><p style=3D"line-height:1.7;font-family:Arial,verdana; color:#00000=
0;padding:0px;margin: 0;font-size: 10pt;"></p><p style=3D"line-height:1.7;f=
ont-family:Arial,verdana; color:#000000;padding:0px;margin: 0;font-size: 10=
pt;"></p><p style=3D"line-height:1.7;font-family:Arial,verdana; color:#0000=
00;padding:0px;margin: 0;font-size: 10pt;"></p><p style=3D"line-height:1.7;=
font-family:Arial,verdana; color:#000000;padding:0px;margin: 0;font-size: 1=
0pt;"></p></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helv=
etica, sans-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-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></span><fo=
nt style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: =
rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17pt;"><font =
color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); l=
ine-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color: rgb(0, 0, 0);"><span style=3D"font-size: 10pt;"></span></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></font><p style=3D"margin: 0;padding: 0p=
x;font-family:Arial, Helvetica, sans-serif; color:#000000;line-height:1.7;f=
ont-family:Arial,verdana;font-size:12px;padding:0px;"></p><font color=3D"#0=
00000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height:=
 17pt;"><font style=3D"line-height: 17pt;">
</font></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helveti=
ca, sans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;fon=
t-size:12px;padding:0px;"></p><p align=3D"center" style=3D"line-height:1.7;=
font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin:=
 0;text-align: center; line-height: 17pt;"><font style=3D"line-height: 17pt=
;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"open =
sans, helvetica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, =
0, 0); line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, 0=
, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"open sans, helvet=
ica neue, helvetica, arial, sans-serif" style=3D"color: rgb(0, 0, 0); font-=
size: 10pt; line-height: 17pt;"></font></font></font></font></font></p><p s=
tyle=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;fo=
nt-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt;"></p><=
font style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font =
face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"font-s=
ize: 10pt; line-height: 17pt;"><span style=3D"color: rgb(51, 51, 51); line-=
height: 17pt;"></span></font><font color=3D"#333333" style=3D"font-size: 10=
pt; font-family: lato, &quot;helvetica neue&quot;, helvetica, arial, sans-s=
erif; line-height: 17pt;"><span style=3D"line-height: 17pt;"></span><span s=
tyle=3D"line-height: 17pt;"></span></font><span style=3D"font-size: 10pt; f=
ont-family: lato, &quot;helvetica neue&quot;, helvetica, arial, sans-serif;=
 color: rgb(51, 51, 51); line-height: 17pt;"><span style=3D"line-height: 17=
pt;"></span></span><span style=3D"font-size: 10pt; font-family: lato, &quot=
;helvetica neue&quot;, helvetica, arial, sans-serif; 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: 17=
pt;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1693513111352" 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_1693513111352" 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:9pt;border-top:=
0px none ;   border-bottom:0px none ;padding-top:7px;padding-bottom:7px;pad=
ding-right:0px;padding-left:0px;">
             =09    =09=09<div componentlineheight=3D"9pt" componentpadding=
bottom=3D"7px" componentpaddingleft=3D"0px" componentpaddingright=3D"0px" c=
omponentpaddingtop=3D"7px" style=3D"line-height: 9pt;"><span style=3D"line-=
height: 9pt;"><table align=3D"center" bgcolor=3D"#fe5000" border=3D"0" styl=
e=3D"border-collapse:collapse;border-collapse:collapse; mso-table-lspace:0p=
t; mso-table-rspace:0pt;font-size:12px;border: 0px; margin: 0px auto; backg=
round-color: rgb(254, 80, 0);" width=3D"100%"> <tbody> <tr> <td style=3D"bo=
rder-collapse:collapse; mso-table-lspace:0pt; font-size:12px;font-family:Ar=
ial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12px;border:0px;=
padding:7px;text-align: left; padding: 15px; line-height: 9pt; border: 0px =
solid rgb(0, 0, 0);"><div style><div><p style=3D"line-height:1.7;font-famil=
y:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;text-al=
ign: center; line-height: 9pt;"><font color=3D"#f2f2f2" style=3D"color: rgb=
(242, 242, 242); line-height: 9pt;"><b style><font face=3D"open sans, helve=
tica neue, helvetica, arial, sans-serif" style=3D"font-size: 12pt; line-hei=
ght: 9pt;">Stay Connected - Follow our Social Media Channels!</font></b></f=
ont></p></div></div></td> </tr> </tbody></table></span></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1676484144504" 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 wdgts" id=3D"elm_1676484=
144504" style=3D"overflow:hidden;word-wrap:break-word;">
=09=09=09=09=09=09<table bgcolor=3D"#ffffff" border=3D"0" cellpadding=3D"0"=
 cellspacing=3D"0" class=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso=
-table-rspace:0pt;padding:0px;border:0px;border-collapse:collapse; mso-tabl=
e-lspace:0pt;font-size:5px; mso-table-rspace:0pt;word-break:break-word;-ms-=
text-size-adjust: 100%;-webkit-text-size-adjust: 100%;  background-color:#f=
fffff;" width=3D"100%">
=09=09=09=09=09=09=09<tbody><tr><td style=3D"border-collapse:collapse; mso-=
table-lspace:0pt;font-family:Arial, Helvetica, sans-serif; mso-table-rspace=
:0pt;padding:7px 15px;border:0px;font-size:5px;border-top:0px none #ffffff;=
border-bottom:0px none #ffffff;padding-top:20px;padding-bottom:20px;padding=
-right:15px;padding-left:15px;">
=09=09=09=09=09=09=09=09<table align=3D"center" border=3D"0" cellpadding=3D=
"0" cellspacing=3D"0" componentpaddingbottom=3D"20px" componentpaddingleft=
=3D"15px" componentpaddingright=3D"15px" componentpaddingtop=3D"20px" style=
=3D"border-collapse:collapse;border-collapse:collapse; mso-table-lspace:0pt=
; mso-table-rspace:0pt;font-size:12px;min-width: 100%;border: none;" width=
=3D"100%"><tbody><tr><td align=3D"center" style=3D"border-collapse:collapse=
; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, sans-s=
erif; mso-table-rspace:0pt;font-size:12px;border: none;padding: 0px;margin:=
 0px;" valign=3D"top"> <table align=3D"center" border=3D"0" cellpadding=3D"=
0" cellspacing=3D"0" componentbgcolor=3D"#ffffff" componentborder=3D"#fffff=
f" componentbottombordersize=3D"0px" componentbottomborderstyle=3D"none" co=
mponenttopbordersize=3D"0px" componenttopborderstyle=3D"none" icontext=3D"t=
rue" index=3D"5" name=3D"zcsclwdgts_alnmnt" style=3D" mso-table-lspace:0pt;=
 mso-table-rspace:0pt;font-size:12px;border-collapse: collapse;border: none=
;margin:auto;"><tbody><tr><td align=3D"left" 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: none;padding: 0px;marg=
in: 0px;" valign=3D"top"> <table align=3D"center" border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" name=3D"zcsclwdgtscontainer" style=3D"border-colla=
pse:collapse;border-collapse:collapse; mso-table-lspace:0pt; mso-table-rspa=
ce:0pt;font-size:12px;border: none;"><tbody><tr><td align=3D"left" style=3D=
"border-collapse:collapse; mso-table-lspace:0pt; font-size:12px;font-family=
:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12px;border:n=
one;padding:0px;margin:0px;" valign=3D"top"><table align=3D"left" border=3D=
"0" cellpadding=3D"0" cellspacing=3D"0" style=3D" mso-table-lspace:0pt; mso=
-table-rspace:0pt;font-size:12px;border-collapse: collapse;border: none;"><=
tbody><tr><td style=3D"border-collapse:collapse; mso-table-lspace:0pt; font=
-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;f=
ont-size:12px;padding-right: 9px;padding-bottom: 9px;border:none;padding: 0=
px;margin: 0px;" valign=3D"top"> <table border=3D"0" cellpadding=3D"0" cell=
spacing=3D"0" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-siz=
e:12px;border-collapse: separate;border: none;"><tbody><tr><td align=3D"lef=
t" style=3D"border-collapse:collapse; mso-table-lspace:0pt; font-size:12px;=
font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12=
px;padding:7px;padding-top: 0px;padding-right: 9px;padding-bottom: 0px;padd=
ing-left: 9px;border:none;" valign=3D"middle"> <table align=3D"left" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D" mso-table-lspace:0pt; =
mso-table-rspace:0pt;font-size:12px;border-collapse: collapse;border: none;=
" width><tbody><tr><td align=3D"center" name=3D"sclwdgtimges" style=3D"bord=
er-collapse:collapse; mso-table-lspace:0pt; font-size:12px;font-family:Aria=
l, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12px;border: none;=
padding: 0px;margin: 0px;padding-bottom: 6px;" valign=3D"middle"> <a href=
=3D"https://bjagh-zgph.maillist-manage.net/click/1d7e25ae4a2743e0/1d7e25ae4=
a27008e" style=3D"text-decoration:underline;display: block;font-size: 1px;"=
 target=3D"_blank" zcurl_name=3D"l_7"><img alt=3D"Like Our Facebook Page" h=
eight=3D"35" src=3D"https://stratus.campaign-image.com/images/9722560000572=
12331_1_1736564444043_zcsclwgtfb5.png" style=3D"border: 0px; margin: 0px; o=
utline: none; text-decoration: none; width: 30px; height: 30px;" vspace=3D"=
10" width=3D"35"></a> </td></tr><tr><td align=3D"center" name=3D"sclwdgtcap=
tns" style=3D"border-collapse:collapse; mso-table-lspace:0pt; font-size:12p=
x;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:=
12px;border:none;padding: 0px;margin: 0px;" valign=3D"middle"><a href=3D"ht=
tps://bjagh-zgph.maillist-manage.net/click/1d7e25ae4a2743e0/1d7e25ae4a27009=
0" style=3D"display: block;font-size: 1px;font-weight: normal;line-height: =
normal;text-align: center;text-decoration: none;" target=3D"_blank" zcurl_n=
ame=3D"l_8"><p fntname=3D"Arial" fntsze=3D"8" style=3D"font-family:Arial,ve=
rdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: norm=
al; font-family: Arial, Helvetica, sans-serif; color: rgb(27, 107, 189); fo=
nt-size: 8pt;">Like Our Facebook Page</p></a> </td></tr></tbody></table></t=
d></tr></tbody></table></td></tr></tbody></table></td><td align=3D"left" st=
yle=3D"border-collapse:collapse; mso-table-lspace:0pt; font-size:12px;font-=
family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12px;bo=
rder:none;padding:0px;margin:0px;" valign=3D"top"><table align=3D"left" bor=
der=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D" mso-table-lspace:0p=
t; mso-table-rspace:0pt;font-size:12px;border-collapse: collapse;border: no=
ne;"><tbody><tr><td style=3D"border-collapse:collapse; mso-table-lspace:0pt=
; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace=
:0pt;font-size:12px;padding-right: 9px;padding-bottom: 9px;border:none;padd=
ing: 0px;margin: 0px;" valign=3D"top"> <table border=3D"0" cellpadding=3D"0=
" cellspacing=3D"0" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;fo=
nt-size:12px;border-collapse: separate;border: none;"><tbody><tr><td align=
=3D"left" style=3D"border-collapse:collapse; mso-table-lspace:0pt; font-siz=
e:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-=
size:12px;padding:7px;padding-top: 0px;padding-right: 9px;padding-bottom: 0=
px;padding-left: 9px;border:none;" valign=3D"middle"> <table align=3D"left"=
 border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D" mso-table-lspac=
e:0pt; mso-table-rspace:0pt;font-size:12px;border-collapse: collapse;border=
: none;" width><tbody><tr><td align=3D"center" name=3D"sclwdgtimges" 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: none;padding: 0px;margin: 0px;padding-bottom: 6px;" valign=3D"middle"> <=
a href=3D"https://bjagh-zgph.maillist-manage.net/click/1d7e25ae4a2743e0/1d7=
e25ae4a270092" style=3D"text-decoration:underline;display: block;font-size:=
 1px;" target=3D"_blank" zcurl_name=3D"l_9"><img alt=3D"Follow us on Linked=
In" height=3D"35" src=3D"https://stratus.campaign-image.com/images/97225600=
0057212331_2_1736564444087_zcsclwgtlin5.png" style=3D"border: 0px; margin: =
0px; outline: none; text-decoration: none; width: 30px; height: 30px;" vspa=
ce=3D"10" width=3D"35"></a> </td></tr><tr><td align=3D"center" name=3D"sclw=
dgtcaptns" style=3D"border-collapse:collapse; mso-table-lspace:0pt; font-si=
ze:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font=
-size:12px;border:none;padding: 0px;margin: 0px;" valign=3D"middle"><a href=
=3D"https://bjagh-zgph.maillist-manage.net/click/1d7e25ae4a2743e0/1d7e25ae4=
a270094" style=3D"display: block;font-size: 1px;font-weight: normal;line-he=
ight: normal;text-align: center;text-decoration: none;" target=3D"_blank" z=
curl_name=3D"l_10"><p fntname=3D"Arial" fntsze=3D"8" style=3D"font-family:A=
rial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-heigh=
t: normal; font-family: Arial, Helvetica, sans-serif; color: rgb(27, 107, 1=
89); font-size: 8pt;">Follow us on LinkedIn</p></a> </td></tr></tbody></tab=
le></td></tr></tbody></table></td></tr></tbody></table></td><td align=3D"le=
ft" style=3D"border-collapse:collapse; mso-table-lspace:0pt; font-size:12px=
;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:1=
2px;border:none;padding:0px;margin:0px;" valign=3D"top"><table align=3D"lef=
t" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D" mso-table-lsp=
ace:0pt; mso-table-rspace:0pt;font-size:12px;border-collapse: collapse;bord=
er: none;"><tbody><tr><td style=3D"border-collapse:collapse; mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;padding-right: 9px;padding-bottom: 9px;border:non=
e;padding: 0px;margin: 0px;" valign=3D"top"> <table border=3D"0" cellpaddin=
g=3D"0" cellspacing=3D"0" style=3D" mso-table-lspace:0pt; mso-table-rspace:=
0pt;font-size:12px;border-collapse: separate;border: none;"><tbody><tr><td =
align=3D"left" style=3D"border-collapse:collapse; mso-table-lspace:0pt; fon=
t-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;=
font-size:12px;padding:7px;padding-top: 0px;padding-right: 9px;padding-bott=
om: 0px;padding-left: 9px;border:none;" valign=3D"middle"> <table align=3D"=
left" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D" mso-table-=
lspace:0pt; mso-table-rspace:0pt;font-size:12px;border-collapse: collapse;b=
order: none;" width><tbody><tr><td align=3D"center" name=3D"sclwdgtimges" s=
tyle=3D"border-collapse:collapse; mso-table-lspace:0pt; font-size:12px;font=
-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12px;b=
order: none;padding: 0px;margin: 0px;padding-bottom: 6px;" valign=3D"middle=
"> <a href=3D"https://bjagh-zgph.maillist-manage.net/click/1d7e25ae4a2743e0=
/1d7e25ae4a270096" style=3D"text-decoration:underline;display: block;font-s=
ize: 1px;" target=3D"_blank" zcurl_name=3D"l_11"><img alt=3D"Follow us on I=
nstagram" height=3D"35" src=3D"https://stratus.campaign-image.com/images/97=
2256000057212331_3_1736564444129_zcsclwgtinsta5.png" style=3D"border: 0px; =
margin: 0px; outline: none; text-decoration: none; width: 30px; height: 30p=
x;" vspace=3D"10" width=3D"35"></a> </td></tr><tr><td align=3D"center" name=
=3D"sclwdgtcaptns" style=3D"border-collapse:collapse; mso-table-lspace:0pt;=
 font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:=
0pt;font-size:12px;border:none;padding: 0px;margin: 0px;" valign=3D"middle"=
><a href=3D"https://bjagh-zgph.maillist-manage.net/click/1d7e25ae4a2743e0/1=
d7e25ae4a270098" style=3D"display: block;font-size: 1px;font-weight: normal=
;line-height: normal;text-align: center;text-decoration: none;" target=3D"_=
blank" zcurl_name=3D"l_12"><p fntname=3D"Arial" fntsze=3D"8" style=3D"font-=
family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;li=
ne-height: normal; font-family: Arial, Helvetica, sans-serif; color: rgb(27=
, 107, 189); font-size: 8pt;">Follow us on Instagram</p></a> </td></tr></tb=
ody></table></td></tr></tbody></table></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" m=
bimgalign=3D"no" style=3D"word-wrap:break-word;padding-bottom:0 !important;=
overflow:hidden;padding: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=09=09<table cellpadding=3D"0" cellspacing=3D"0" style=3D" m=
so-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border:0px;padding=
:0px;border-collapse:collapse; mso-table-lspace:0pt;width:100%; mso-table-r=
space:0pt;" width=3D"100%">
=09=09=09=09    =09<tbody><tr>
=09            <![endif]-->
=09=09=09
=09=09        <!--[if (gte mso 9)|(IE)]>
=09=09=09=09=09=09<td style=3D"font-size:12px;font-family:Arial, Helvetica,=
 sans-serif;border:0px;padding:0px 0px;" align=3D"left" width=3D" 65.0%" va=
lign=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%"> &nbsp; &nbsp; &nbsp; </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:5px;pa=
dding-right:15px;padding-left:15px;">
             =09    =09=09<div componentpaddingbottom=3D"5px" componentpadd=
ingleft=3D"15px" componentpaddingright=3D"15px" componentpaddingtop=3D"0px"=
 style><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;=
padding:0px;margin: 0;line-height: 25pt; text-align: left; word-break: norm=
al; overflow-wrap: normal;"><font face=3D"Arial, Helvetica" style></font></=
p><h2 style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-se=
rif; color:#000000;color:#000000; font-weight:normal;font-family:Arial,verd=
ana,Helvetica, sans-serif; color:#000000;font-size: 26px;"><font face=3D"Ar=
ial, Helvetica" style><font color=3D"#fe5000" style=3D"font-size: 15pt;"><b=
 style>ABOUT GMIS</b></font></font></h2><font face=3D"Arial, Helvetica" sty=
le><div align=3D"justify" style=3D"text-align: justify;"><b style=3D"font-s=
ize: 9pt; color: rgb(51, 51, 51); background-color: transparent;">Grand Mut=
ual Insurance Services (GMIS)</b><span style=3D"font-size: 9pt; color: rgb(=
51, 51, 51); background-color: transparent;"> 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.&nbsp;Our 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.</span></div></font><p style=3D"line-height=
:1.7;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;ma=
rgin: 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=09<td style=3D"font-size:12px;font-family:Arial, Helvetica,=
 sans-serif;border:0px;padding:0px 0px;" align=3D"left" width=3D" 35.0%" va=
lign=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%"> &nbsp; &nbsp; &nbsp; </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" style=
=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border:0px;b=
order-collapse:collapse; mso-table-lspace:0pt; mso-table-rspace: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-zgph.maillist-manage.net/click/1d7e25ae4a2743e0/1d7e25ae4a270086" 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;">Visit Our Website</center>
=09=09=09=09=09          </v:roundrect>
        =09=09=09=09<![endif]-->
                        <a align=3D"center" href=3D"https://bjagh-zgph.mail=
list-manage.net/click/1d7e25ae4a2743e0/1d7e25ae4a27009a" style=3D"padding:0=
px 0px;background-color:#000000;width:168px;height:40px;font-size:11pt;dire=
ction:ltr;font-family:Arial;color:#ffffff;cursor:pointer;text-decoration:no=
ne;border-radius:0px;border:0px solid #ffffff;border-collapse:separate;disp=
lay:table;mso-hide:all;text-align:center;" target=3D"_blank" zcurl_name=3D"=
l_13">
=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" style=
=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border:0px;b=
order-collapse:collapse; mso-table-lspace:0pt; mso-table-rspace: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=3DImportant%20Updates%20on%20Insurance%20Protecti=
ons%20and%20Resources%20Amid%20Los%20Angeles%20Wildfires" style=3D"border-r=
adius:0px;height:40px;v-text-anchor:middle;width:168px;" arcsize=3D"0%" str=
okecolor=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=3DImportant%20Updates%20on%20Insurance%20Protections%20and%20R=
esources%20Amid%20Los%20Angeles%20Wildfires" style=3D"padding:0px 0px;backg=
round-color:#000000;width:168px;height:40px;font-size:11pt;direction:ltr;fo=
nt-family:Arial;color:#ffffff;cursor:pointer;text-decoration:none;border-ra=
dius:0px;border:0px solid #ffffff;border-collapse:separate;display:table;ms=
o-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" style=
=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border:0px;b=
order-collapse:collapse; mso-table-lspace:0pt; mso-table-rspace: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;">
                <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"tel:(888) =
893-8207" style=3D"border-radius:0px;height:40px;v-text-anchor:middle;width=
:168px;" arcsize=3D"0%" strokecolor=3D"#ffffff" strokeweight =3D"0px" fillc=
olor=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;">Give us a Call</center>
=09=09=09=09=09          </v:roundrect>
        =09=09=09=09<![endif]-->
                        <a align=3D"center" href=3D"tel:(888) 893-8207" sty=
le=3D"padding:0px 0px;background-color:#000000;width:168px;height:40px;font=
-size:11pt;direction:ltr;font-family:Arial;color:#ffffff;cursor:pointer;tex=
t-decoration:none;border-radius:0px;border:0px solid #ffffff;border-collaps=
e:separate;display:table;mso-hide:all;text-align:center;" target=3D"_blank"=
 zcurl_name=3D"l_15">
=09=09=09=09=09=09=09<font style=3D"color:#ffffff;display:table-cell;vertic=
al-align:middle;">
                     =09=09   Give us a Call
=09=09=09=09=09=09=09</font>
                        </a>
                    </td>
                </tr>
                </tbody></table>
            </div>
=09</div>
=09</td></tr></tbody></table>
=09=09                    </div>=20
=09=09    </td></tr></tbody></table>
=09=09    <!--[if (gte mso 9)|(IE)]>
                      </td>
            <![endif]-->
=09=09 <!--[if (gte mso 9)|(IE)]>
                </tr></tbody></table>
            <![endif]-->
=09=09</td>
=09    </tr>
=09    </tbody></table>
            </div></div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1676489591082" 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=09
=09=09=09 <div class=3D"zpelement-wrapper divider" id=3D"elm_1676489591082"=
 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:1px 7px 10px 7px;border-collapse:colla=
pse;">
=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: 87%; margin: auto;" width=3D"87%"> <tbody><tr><td align=3D=
"center" border-size=3D"1px" height=3D"0" style=3D"border-collapse:collapse=
; mso-table-lspace:0pt;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;border:0px;padding:7px;font-size: 0px; margin: 0px; padding: 0px=
; width: 100%; border: 0px solid;" width=3D"100%">       </td> </tr></tbody=
></table></div>
=09=09=09</td></tr></tbody></table>
=09=09=09</div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1676484255432" 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=09
=09=09=09 <div class=3D"zpelement-wrapper divider" id=3D"elm_1676484255432"=
 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:1px 7px 10px 7px;border-collapse:colla=
pse;">
=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: 87%; margin: auto;" width=3D"87%"> <tbody><tr><td align=3D=
"center" border-size=3D"1px" height=3D"0" style=3D"border-collapse:collapse=
; mso-table-lspace:0pt;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;border:0px;padding:7px;font-size: 0px; margin: 0px; padding: 0px=
; width: 100%; border: 0px solid;" width=3D"100%">       </td> </tr></tbody=
></table></div>
=09=09=09</td></tr></tbody></table>
=09=09=09</div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1681244655230" 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_1681244655230" m=
bimgalign=3D"no" style=3D"word-wrap:break-word;padding-bottom:0 !important;=
overflow:hidden;padding: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"#fe5000" cellpadding=3D"0" cellspacing=3D"0" s=
tyle=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border:0=
px;padding:0px;border-collapse:collapse; mso-table-lspace:0pt; mso-table-rs=
pace:0pt;width:100%;background-color:#fe5000;" 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=09=09<table cellpadding=3D"0" cellspacing=3D"0" style=3D" m=
so-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border:0px;padding=
:0px;border-collapse:collapse; mso-table-lspace:0pt;width:100%; mso-table-r=
space:0pt;" width=3D"100%">
=09=09=09=09    =09<tbody><tr>
=09            <![endif]-->
=09=09=09
=09=09        <!--[if (gte mso 9)|(IE)]>
=09=09=09=09=09=09<td style=3D"font-size:12px;font-family:Arial, Helvetica,=
 sans-serif;border:0px;padding:0px 0px;" align=3D"left" width=3D" 55.0%" va=
lign=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:330.0px;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_1681244655223" style=3D"padding:0px;">

=09    =09<table bgcolor=3D"transparent" border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-si=
ze:12px;border:0px;padding:0px;width:100%;border-collapse:collapse; mso-tab=
le-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;background-color:=
transparent;">
=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;">
            =09<div class=3D"zpelement-wrapper image" coupcmp id=3D"elm_168=
1244655228" prodcmp style=3D";word-wrap:break-word;overflow:hidden;padding:=
0px;background-color:transparent;">
=09=09=09<div>
=09=09        <table align=3D"center" border=3D"0" cellpadding=3D"0" cellsp=
acing=3D"0" class=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-=
rspace:0pt;font-size:12px;text-align:left;width:100%;padding:0px;border:0px=
;border-collapse:collapse; mso-table-lspace:0pt; mso-table-rspace:0pt;word-=
break:break-word;width:100%;text-align:center;">
            =09=09<tbody><tr><td class=3D"paddingcomp" 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:0px;padding:7=
px 15px;text-align:center;padding-top:10px;padding-bottom:10px;padding-righ=
t:30px;padding-left:30px;">
=09=09=09<a href=3D"https://bjagh-zgph.maillist-manage.net/click/1d7e25ae4a=
2743e0/1d7e25ae4a27009c" style=3D"text-decoration:underline;border:0px;" ta=
rget=3D"_blank" zcurl_name=3D"l_16">
=09=09=09<img align=3D"center" alt=3D"https://zohopublic.com/zohocampaigns/=
972256000004131715_1681245205740_peak_companies_horizontal.png" class=3D"zp=
Image" height=3D"auto" hspace=3D"0" size=3D"F" src=3D"https://stratus.campa=
ign-image.com/images/972256000057212331_5_1736564444252_horizontal.png" sty=
le=3D"width:270px;height:autopx;max-width:360px !important;border:0px;text-=
align:center;" vspace=3D"0" width=3D"270">
=09=09=09</a>
=09=09=09</td></tr>
=09=09=09</tbody></table>
=09=09</div>
            </div>
            </td></tr></tbody></table>
=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=09<td style=3D"font-size:12px;font-family:Arial, Helvetica,=
 sans-serif;border:0px;padding:0px 0px;" align=3D"left" width=3D" 24.0%" va=
lign=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:144.0px;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_1681244655225" style=3D"padding:0px;">
=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=09<td style=3D"font-size:12px;font-family:Arial, Helvetica,=
 sans-serif;border:0px;padding:0px 0px;" align=3D"left" width=3D" 21.0%" va=
lign=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:126.0px;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_1681244655294" style=3D"padding:0px;">
=09=09                    </div>=20
=09=09    </td></tr></tbody></table>
=09=09    <!--[if (gte mso 9)|(IE)]>
                      </td>
            <![endif]-->
=09=09 <!--[if (gte mso 9)|(IE)]>
                </tr></tbody></table>
            <![endif]-->
=09=09</td>
=09    </tr>
=09    </tbody></table>
            </div></div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1614850013448" 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_1614850013448" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:#fe5000;">
=09    =09<table bgcolor=3D"#fe5000" border=3D"0" cellpadding=3D"0" cellspa=
cing=3D"0" class=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-r=
space:0pt;font-size:12px;padding:0px;border:0px;border-collapse:collapse; m=
so-table-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;-ms-text-si=
ze-adjust: 100%;-webkit-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 #ffffff;   border-bottom:0px none #ffffff;padding-top:5px;padding=
-bottom:15px;padding-right:30px;padding-left:30px;">
             =09    =09=09<div componentbgcolor=3D"#fe5000" componentborder=
=3D"#ffffff" componentbottombordersize=3D"0px" componentbottomborderstyle=
=3D"none" componentlineheight=3D"17pt" componentpaddingbottom=3D"15px" comp=
onentpaddingleft=3D"30px" componentpaddingright=3D"30px" componentpaddingto=
p=3D"5px" componenttopbordersize=3D"0px" componenttopborderstyle=3D"none" s=
tyle=3D"background-color: rgb(254, 80, 0); line-height: 17pt;"><div><em sty=
le=3D"color: rgb(255, 247, 242);"></em></div><span style=3D"line-height: 17=
pt;"><font style=3D"font-size: 9pt;"><p style=3D"line-height:1.7;font-famil=
y:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;text-al=
ign: left; line-height: 17pt;"><font color=3D"#ffffff" face=3D"Arial, Helve=
tica" style=3D"line-height: 17pt;"><em style>Copyright &copy; 2025 Grand Mu=
tual Insurance Services. All rights reserved.</em><br></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"=
Arial, Helvetica" style=3D"line-height: 17pt;"><font style=3D"line-height: =
17pt;"><font color=3D"#ffffff" style=3D"line-height: 17pt;"><em>CA Insuranc=
e Lic. #OH85372 / National Producer #16632746</em></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 =
color=3D"#333333" face=3D"Arial, Helvetica" style=3D"color: rgb(51, 51, 51)=
; line-height: 17pt;"><font style=3D"line-height: 17pt;"><font style=3D"lin=
e-height: 17pt;"><em><br></em></font></font></font></p><p style=3D"line-hei=
ght:1.7;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px=
;margin: 0;text-align: left; line-height: 17pt;"><font face=3D"Arial, Helve=
tica" style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font=
 color=3D"#ffffff" style=3D"line-height: 17pt;"><b style>Our mailing addres=
s is:</b></font></font></font></p><p style=3D"line-height:1.7;font-family:A=
rial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;text-align=
: left; line-height: 17pt;"><font face=3D"Arial, Helvetica" style=3D"line-h=
eight: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#ffffff" st=
yle=3D"line-height: 17pt;">5900 Canoga Ave, Suite 220, Woodland Hills, CA 9=
1367</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: lef=
t; line-height: 17pt;"><font color=3D"#333333" face=3D"Arial, Helvetica" st=
yle=3D"color: rgb(51, 51, 51); line-height: 17pt;"><font style=3D"line-heig=
ht: 17pt;"><font style=3D"line-height: 17pt;"><br></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"Arial, Helvetica" style=3D"line-height: 17pt;"><font style=3D"line-=
height: 17pt;"><font color=3D"#ffffff" style=3D"line-height: 17pt;">You are=
 receiving this email as a current or former client of Grand Mutual Insuran=
ce Services (GMIS), or other related interested party.</font></font></font>=
</p></font></span><font color=3D"#fff7f2" style=3D"line-height: 17pt;"></fo=
nt><div><em><font style=3D"line-height: 17pt;"><font style=3D"font-size: 8p=
t; line-height: 17pt;"><font color=3D"#ffffff" style=3D"line-height: 17pt;"=
></font></font></font></em></div></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
    </tbody></table>
</div>

=09=09=09=09=09</td>=20
=09=09=09=09=09</tr>=20
=09=09=09=09=09</tbody></table>
=09=09=09=09</td>=20
=09=09=09=09<td style=3D" mso-table-lspace:0pt; font-size:12px;font-family:=
Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12px;border:0p=
x;padding:0px;border-collapse:collapse; mso-table-lspace:0pt; mso-table-rsp=
ace:0pt;">&nbsp;</td>
=09=09=09</tr>=20
=09=09</tbody></table>=20
</div>
</center>=20
<table align=3D"center" bgcolor=3D"#efefef" cellpadding=3D"0" cellspacing=
=3D"0" id=3D"footerWrapper" style=3D"width:100%;background-color:#efefef;" =
width=3D"100%"><tbody><tr><td>&nbsp;</td><td><table align=3D"center" cellpa=
dding=3D"0" cellspacing=3D"0" class=3D"tmplfooter" style=3D"max-width:600px=
;width:600px;" width=3D"600px"><tbody><tr><td>
        <meta content=3D"width=3Ddevice-width" name=3D"viewport">
        <style>
            @media screen and (max-width: 480px)
            {
                table[class=3Dtmplfooter]{width:100% !important;max-width:1=
00% !important; text-align:left;}=20
                table[class=3Dtmplheader]{width:100% !important; max-width:=
100% !important; text-align:left;}=20
                /*div[class=3Dtxtsize]{text-align:left}=20
                td[class=3Dtxtsize]{text-align:left}*/
            }
            @media screen and (min-width: 320px) and (max-width: 480px) and=
 (orientation : portrait){
            {
                    table[class=3Dtmplfooter]{width:100% !important;max-wid=
th:100% !important; text-align:left;}=20
                    table[class=3Dtmplheader]{width:100% !important; max-wi=
dth:100% !important; text-align:left;}=20
=09            /*div[class=3Dtxtsize]{text-align:left}=20
                    td[class=3Dtxtsize]{text-align:left}*/
             }
            @media screen and (max-width: 598px)
            {
                table[class=3Dtmplfooter]{width:100% !important;max-width:1=
00% !important; text-align:left;}=20
                table[class=3Dtmplheader]{width:100% !important; max-width:=
100% !important; text-align:left;}=20
                /*div[class=3Dtxtsize]{text-align:left}=20
                td[class=3Dtxtsize]{text-align:left}*/
            }
        </style>

<table cellpadding=3D"0" cellspacing=3D"0" id=3D"FOOTER" style=3D"backgroun=
d-color:#f8f8f8;color:#000000;font-size:11px;border-color:#dcdcdc;border-wi=
dth:1px;font-family:Arial;border-style:solid;" width=3D"100%"><tbody><tr><t=
d>
        <table align=3D"center" cellpadding=3D"9" cellspacing=3D"0" class=
=3D"tmplfooter" id=3D"F_INNER" style=3D"padding:5px;width:600px;;color:inhe=
rit;font-size:inherit;font-family:inherit;;text-align:center">
        <tbody><tr><td>
                <div class=3D"txtsize">
               =20
                <div style=3D"color:#000000;font-size:11px;font-family:Aria=
l;">This email was sent by <a href=3D"mailto:gminsuranceservices@peakcompan=
ies.net" id=3D"FOOTERLINK" style=3D"color:#000000;font-size:11px;font-famil=
y:Arial;" target=3D"_blank"><span style>gminsuranceservices@peakcompanies.n=
et</span></a> to <a href=3D"mailto:andrew@sterlingcal.com" id=3D"FOOTERLINK=
" style=3D"color:#000000;font-size:11px;font-family:Arial;" target=3D"_blan=
k"><span style>andrew@sterlingcal.com</span></a></div>
                        <div class=3D"txtsize" style=3D"padding:3px;padding=
-left:0px;color:#000000;font-size:11px;font-family:Arial;">Want to change h=
ow you receive these emails? <a href=3D"https://bjagh-zgph.maillist-manage.=
net/ua/optout?od=3D3z15fd5604c3817555abb83f691d78640d3e2b67ec8e464635b5f5a2=
0020c6a100&rd=3D1d7e25ae4a2743e0&sd=3D1d7e25ae4a27372b&n=3D11699e4bf07642b"=
 id=3D"FOOTERLINK" rel=3D"nofollow" style=3D"color:#000000;font-size:11px;f=
ont-family:Arial;" target=3D"_blank"><span style>Unsubscribe</span></a> | <=
a href=3D"https://bjagh-zgph.maillist-manage.net/ua/commpref?od=3D3z15fd560=
4c3817555abb83f691d78640d3e2b67ec8e464635b5f5a20020c6a100&rd=3D1d7e25ae4a27=
43e0&sd=3D1d7e25ae4a27372b&n=3D11699e4bf07642b" id=3D"FOOTERLINK" rel=3D"no=
follow" style=3D"color:#000000;font-size:11px;font-family:Arial;" target=3D=
"_blank"><span id=3D"f11p">Update preferences</span></a>  =20
                        </div>
                        <div data-id=3D"listdescription" style=3D"margin-to=
p:5px;color:#000000;font-size:11px;font-family:Arial;"></div>
                        <div class=3D"txtsize" id=3D"FOOTERADDRESS" style=
=3D"padding:3px;padding-left:0px;color:#f8f8f8;font-size:11px;font-family:A=
rial;">The Peak Companies | &copy; 2022</div>
<div class=3D"txtsize" id=3D"FOOTERADDRESS" style=3D"padding:3px;padding-le=
ft:0px;text-align:center;color:#f8f8f8;font-size:11px;font-family:Arial;"><=
/div>
                        <div style=3D"margin-top:5px">   </div>
<div class=3D"txtsize" id=3D"FOOTERADDRESS" style=3D"padding:3px;padding-le=
ft:0px;color:#f8f8f8;font-size:11px;font-family:Arial;"></div>
                       =20
                </div>
        </td></tr>
</tbody></table>
        </td></tr>
</tbody></table></td></tr></tbody></table></td><td>&nbsp;</td></tr></tbody>=
</table><img style=3D'visibility:hidden' src=3D"https://bjagh-zgph.maillist=
-manage.net/click/1d7e25ae4a2743e0/open.gif" alt=3D"" height=3D"1" width=3D=
"1"/><a style=3D'visibility:hidden' href=3D"https://bjagh-zgph.maillist-man=
age.net/click/1d7e25ae4a2743e0/1d7e25ae4a26fdab" alt=3D"" height=3D"1" widt=
h=3D"1"/></body></html>
------=_Part_2280110_602130657.1736618587989--