<div dir="ltr">Thanks for handling this Elaine!<div><br></div><div>So to me, it looks like if we need or want to replace CAU, that Clay and Brown & Brown could offer something competitive or in the same price range.</div><div><br></div><div>Dave</div></div><br><div class="gmail_quote"><div dir="ltr" class="gmail_attr">On Tue, Jan 26, 2021 at 5:24 PM Walker, Elaine via Everyone <<a href="mailto:everyone@chelseaplacedecatur.com">everyone@chelseaplacedecatur.com</a>> wrote:<br></div><blockquote class="gmail_quote" style="margin:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex">
<div dir="auto">
<div>FYI below. It looks like our premiums will go up with another insurer.<br>
<br>
Sent from my iPad</div>
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Begin forwarded message:<br>
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<blockquote type="cite">
<div><b>From:</b> Clay Collins CIC CRM <<a href="mailto:ccollins@bbatlanta.com" target="_blank">ccollins@bbatlanta.com</a>><br>
<b>Date:</b> January 26, 2021 at 4:47:04 PM EST<br>
<b>To:</b> "Walker, Elaine" <<a href="mailto:psyefw@emory.edu" target="_blank">psyefw@emory.edu</a>><br>
<b>Subject:</b> <b>RE: [External] Elaine Walker - Insurance - HOA</b><br>
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<p class="MsoNormal">Thank you for sharing Elaine. The CAU program is a very good product. Unfortunately, the Dreher Agency is the only access point for CAU in GA so we do not have access to their current forms. Since our premiums will likely be VERY close
to CAU, I would simply recommend asking Dreher the following questions surrounding your Director’s & Officers Liability form with CAU. If the answer to each of these questions is “YES”, then you likely have coverage that would mirror the program we would
put together for you. If they cannot answer, or if the answer to any of these questions is “NO”, then we may want to explore options, knowing the premium will be very comparable.
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Does the definition of insured extend beyond the actual directors and officers?<u></u><u></u></li><li style="margin-bottom:0in;margin-left:0in;text-align:justify">
Does the definition of insured include employees?<u></u><u></u></li><li style="margin-bottom:0in;margin-left:0in;text-align:justify">
Does the policy cover spouses of directors and officers?<u></u><u></u></li><li style="margin-bottom:0in;margin-left:0in;text-align:justify">
Does the policy provide a defense to claims and lawsuits (vs reimbursing for such costs)<u></u><u></u></li><li style="margin-bottom:0in;margin-left:0in;text-align:justify">
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Does the policy cover libel and slander?<u></u><u></u></li><li style="margin-bottom:0in;margin-left:0in;text-align:justify">
Does the policy cover discrimination?<u></u><u></u></li><li style="margin-bottom:0in;margin-left:0in;text-align:justify">
Does your policy provide coverage for your Property Manager AND Property Management Company?<u></u><u></u></li><li style="margin-bottom:0in;margin-left:0in;text-align:justify">
Does the policy cover wrongful termination or other employer liability claims?<u></u><u></u></li><li style="margin-bottom:0in;margin-left:0in;text-align:justify">
Does the policy defend you where there is a claim or lawsuit for the failure to maintain or obtain adequate insurance?<u></u><u></u></li><li style="margin-bottom:0in;margin-left:0in;text-align:justify">
Are you protected for the decisions you make in accepting or rejecting contracts?<u></u><u></u></li><li style="margin-bottom:0in;margin-left:0in;text-align:justify">
Are you protected if there is a claim that you denied someone approval of a building plan because of race, religion, or other basis?<u></u><u></u></li><li style="margin-bottom:0in;margin-left:0in;text-align:justify">
Are defense costs outside the limit of liability?<u></u><u></u></li></ul>
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<td style="font-family:Calibri">Clay Collins CIC CRM<span style="font-family:remialcxesans;font-size:1px;color:rgb(255,255,255);line-height:1px"></span></td>
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<td style="font-family:Calibri,Arial,sans-serif"><span style="font-weight:700">O</span>: <a href="tel:770-373-5846" id="gmail-m_5163911380719124658LPlnk689713" style="text-decoration:none;color:rgb(0,0,1)" target="_blank"><strong style="font-weight:400">770-373-5846</strong></a></td>
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<td style="font-family:Calibri,Arial,sans-serif"><a href="mailto:ccollins@bbatlanta.com" id="gmail-m_5163911380719124658LPlnk689713" style="text-decoration:none;color:rgb(186,32,49)" target="_blank"><strong style="font-weight:400"><span style="text-decoration:underline">ccollins@bbatlanta.com</span></strong></a></td>
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<td style="font-family:Calibri">Brown & Brown Insurance of Georgia, Inc. (NYSE: BRO)<br>
Community Association Division<br>
900 North Point Parkway, Suite 300<br>
Alpharetta, GA 30005</td>
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<div style="border-right:none;border-bottom:none;border-left:none;border-top:1pt solid rgb(225,225,225);padding:3pt 0in 0in">
<p class="MsoNormal"><b>From:</b> Walker, Elaine <<a href="mailto:psyefw@emory.edu" target="_blank">psyefw@emory.edu</a>>
<br>
<b>Sent:</b> Tuesday, January 26, 2021 3:45 PM<br>
<b>To:</b> Clay Collins CIC CRM <<a href="mailto:ccollins@bbatlanta.com" target="_blank">ccollins@bbatlanta.com</a>><br>
<b>Subject:</b> RE: [External] Elaine Walker - Insurance - HOA<u></u><u></u></p>
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<p> <strong><span style="font-family:Calibri,sans-serif;color:red;background:yellow">[External]</span></strong><u></u><u></u></p>
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<p class="MsoNormal">Hello Mr. Collins,<u></u><u></u></p>
<p class="MsoNormal">You asked about the name of the current insurance company for our homeowners association coverage for Chelsea Place on Drexel Ave at 30030. I have attached their most recent quote.<u></u><u></u></p>
<p class="MsoNormal">Let me know your thoughts about what your company could offer.<u></u><u></u></p>
<p class="MsoNormal">Regards, <u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
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<p class="MsoNormal"><span style="font-family:"Brush Script MT"">EWalker<u></u><u></u></span></p>
<p class="MsoNormal">Elaine F. Walker, Ph.D.<u></u><u></u></p>
<p class="MsoNormal">Charles Howard Candler Professor of Psychology and Neuroscience<u></u><u></u></p>
<p class="MsoNormal">Director, Mental Health and Development Program<u></u><u></u></p>
<p class="MsoNormal">Georgia License #: 001159<u></u><u></u></p>
<p class="MsoNormal">Research Coordinator: Joy Brasfield, MA<u></u><u></u></p>
<p class="MsoNormal">Phone: 404 727-7547, 404 727-0761<u></u><u></u></p>
<p class="MsoNormal">FAX: 404-727-4633<u></u><u></u></p>
<p class="MsoNormal">Lab: 560 PAIS Building<u></u><u></u></p>
<p class="MsoNormal">Office: 487 PAIS Building<u></u><u></u></p>
<p class="MsoNormal">36 Eagle Row<u></u><u></u></p>
<p class="MsoNormal">Emory University<u></u><u></u></p>
<p class="MsoNormal">Atlanta, GA 30322<u></u><u></u></p>
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<p class="MsoNormal"><u></u> <u></u></p>
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<p class="MsoNormal"><b>From:</b> Clay Collins CIC CRM <<a href="mailto:ccollins@bbatlanta.com" target="_blank">ccollins@bbatlanta.com</a>>
<br>
<b>Sent:</b> Monday, January 25, 2021 4:50 PM<br>
<b>To:</b> Walker, Elaine <<a href="mailto:psyefw@emory.edu" target="_blank">psyefw@emory.edu</a>><br>
<b>Cc:</b> Jack Bradley <<a href="mailto:Jbradley@bbatlanta.com" target="_blank">Jbradley@bbatlanta.com</a>><br>
<b>Subject:</b> RE: [External] Elaine Walker - Insurance - HOA<u></u><u></u></p>
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<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">Good afternoon Dr. Walker, thank you for reaching out.<u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">Placing coverage for an association of this size is fairly easy. The largest expense (and exposure) is the Directors & Officers Liability policy. We highly recommend and only place this particular coverage with 4 or 5 different programs
based on the broad nature of their form and the specialization they bring to Community Association risks. But with this special form, it also has a slightly higher annual premium. Usually in the $650-$750 range for a $1,000,000 limit. The Liability and
property coverage for the Association for an association of this size is usually $450.
<u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">Does the association have coverage currently? If so, do you mind sharing the name of the insurance company?<u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">Regards,<u></u><u></u></p>
<p class="MsoNormal">Clay<u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
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<p class="MsoNormal" style="text-align:justify"><b><span style="font-size:13pt;color:rgb(0,40,85)">Clay Collins CIC CRM</span></b><b><span style="font-size:1pt;font-family:remialcxesans,serif;color:white"></span></b><b><span style="font-size:13pt;color:rgb(0,40,85)"><u></u><u></u></span></b></p>
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<p class="MsoNormal" style="text-align:justify"><i><span style="color:rgb(0,0,1)">Managing Director<u></u><u></u></span></i></p>
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<p class="MsoNormal" style="text-align:justify"><b><span style="color:rgb(0,40,85)">O</span></b><span style="color:rgb(0,40,85)">: <a href="tel:770-373-5846" target="_blank"><strong><span style="font-family:Calibri,sans-serif;color:rgb(0,0,1);font-weight:normal;text-decoration:none">770-373-5846</span></strong></a><u></u><u></u></span></p>
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<p class="MsoNormal" style="text-align:justify"><span style="color:rgb(186,32,49)"><a href="mailto:ccollins@bbatlanta.com" target="_blank"><strong><span style="font-family:Calibri,sans-serif;color:rgb(186,32,49);font-weight:normal">ccollins@bbatlanta.com</span></strong></a><u></u><u></u></span></p>
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<p class="MsoNormal" style="text-align:justify"><span style="color:rgb(0,0,1)">Brown & Brown Insurance of Georgia, Inc. (NYSE: BRO)<br>
Community Association Division<br>
900 North Point Parkway, Suite 300<br>
Alpharetta, GA 30005<u></u><u></u></span></p>
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These documents may be sent to you in PDF Format. By replying to this email, you consent to have us communicate electronically with the applicable<br>
person(s) in your organization. You also agree to notify us of any changes with respect to individuals in your organization. If you do not reply to this e‑mail, <br>
you will continue to receive policies, endorsements, and other items electronically unless you request in writing to change your document delivery preferences<u></u><u></u></span></b></p>
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<br>
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<p class="MsoNormal"><b>From:</b> Walker, Elaine <<a href="mailto:psyefw@emory.edu" target="_blank">psyefw@emory.edu</a>>
<br>
<b>Sent:</b> Monday, January 25, 2021 3:37 PM<br>
<b>To:</b> Clay Collins CIC CRM <<a href="mailto:ccollins@bbatlanta.com" target="_blank">ccollins@bbatlanta.com</a>><br>
<b>Cc:</b> Jack Bradley <<a href="mailto:Jbradley@bbatlanta.com" target="_blank">Jbradley@bbatlanta.com</a>><br>
<b>Subject:</b> RE: [External] Elaine Walker - Insurance - HOA<u></u><u></u></p>
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<p class="MsoNormal"><u></u> <u></u></p>
<p> <strong><span style="font-family:Calibri,sans-serif;color:red;background:yellow">[External]</span></strong><u></u><u></u></p>
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<p class="MsoNormal">Hello Mr. Collins,<u></u><u></u></p>
<p class="MsoNormal"> First, thanks for connecting us Mr. Bradley.<u></u><u></u></p>
<p class="MsoNormal">I am writing to inquire about an estimate for Homeowners Association insurance for the common area of the Chelsea Place townhomes (with no residential building coverage). The townhouse complex is located on Drexel Avenue in Decatur GA,
30030. The complex is 11 owner-occupied townhouses, and the Chelsea Place Homeowners Association, Inc. manages the common area. Link is here:
<a href="https://nam11.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.atlantatownhomes.com%2Fproject%2Fchelsea-place%2F&data=04%7C01%7Cpsyefw%40emory.edu%7Cda299187a30c4a0048b708d8c243ef0a%7Ce004fb9cb0a4424fbcd0322606d5df38%7C0%7C0%7C637472944790987963%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0&sdata=%2BNhmpGD6B9gdyyqPEaMxGQFumDrt7lNNjt%2BDtRGuO2Q%3D&reserved=0" target="_blank">
https://www.atlantatownhomes.com/project/chelsea-place/</a><u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">The common area is comprised of well-landscaped grounds and includes a roadway, some other paved surfaces, some retaining walls, and mailboxes. The common area contains no recreational facilities (eg., swimming pools, courts, swings),
sprinkler system, flagpoles, light poles, fountains, outside statues, fixtures, structures, gates, storage sheds, shelters, gazebos, pump houses, freestanding walls, or outdoor fixtures.
<u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">If you would like to come by and see the property, please let me know.<u></u><u></u></p>
<p class="MsoNormal">Regards,<u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
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<p class="MsoNormal"><span style="font-family:"Brush Script MT"">EWalker<u></u><u></u></span></p>
<p class="MsoNormal">Elaine F. Walker, Ph.D.<u></u><u></u></p>
<p class="MsoNormal">Charles Howard Candler Professor of Psychology and Neuroscience<u></u><u></u></p>
<p class="MsoNormal">Director, Mental Health and Development Program<u></u><u></u></p>
<p class="MsoNormal">Georgia License #: 001159<u></u><u></u></p>
<p class="MsoNormal">Research Coordinator: Joy Brasfield, MA<u></u><u></u></p>
<p class="MsoNormal">Phone: 404 727-7547, 404 727-0761<u></u><u></u></p>
<p class="MsoNormal">FAX: 404-727-4633<u></u><u></u></p>
<p class="MsoNormal">Lab: 560 PAIS Building<u></u><u></u></p>
<p class="MsoNormal">Office: 487 PAIS Building<u></u><u></u></p>
<p class="MsoNormal">36 Eagle Row<u></u><u></u></p>
<p class="MsoNormal">Emory University<u></u><u></u></p>
<p class="MsoNormal">Atlanta, GA 30322<u></u><u></u></p>
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<p class="MsoNormal"><u></u> <u></u></p>
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<p class="MsoNormal"><b>From:</b> Jack Bradley <<a href="mailto:Jbradley@bbatlanta.com" target="_blank">Jbradley@bbatlanta.com</a>>
<br>
<b>Sent:</b> Monday, January 25, 2021 3:08 PM<br>
<b>To:</b> Clay Collins CIC CRM <<a href="mailto:ccollins@bbatlanta.com" target="_blank">ccollins@bbatlanta.com</a>><br>
<b>Cc:</b> Walker, Elaine <<a href="mailto:psyefw@emory.edu" target="_blank">psyefw@emory.edu</a>><br>
<b>Subject:</b> [External] Elaine Walker - Insurance - HOA<u></u><u></u></p>
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<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">Hi Clay, <u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">Elaine Walker just reached out to me and is interested in obtaining insurance for the HOA she is a member of near downtown Decatur. I have CC’d Elaine on this email.<u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">Please coordinate a time to speak with Elaine to see if we are able to assist her.
<u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">Thank you!<u></u><u></u></p>
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<p class="MsoNormal" style="text-align:justify"><b><span style="font-size:13pt;color:rgb(0,40,85)">Jack Bradley</span></b><b><span style="font-size:1pt;font-family:remialcxesans,serif;color:white"></span></b><b><span style="font-size:13pt;color:rgb(0,40,85)"><u></u><u></u></span></b></p>
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<p class="MsoNormal" style="text-align:justify"><i><span style="color:rgb(0,0,1)">Employee Benefits Consultant<u></u><u></u></span></i></p>
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<p class="MsoNormal" style="text-align:justify"><b><span style="color:rgb(0,40,85)">O</span></b><span style="color:rgb(0,40,85)">: </span><a href="tel:770-512-5059" target="_blank"><strong><span style="font-family:Calibri,sans-serif;color:rgb(0,0,1);font-weight:normal;text-decoration:none">770-512-5059</span></strong></a><span style="color:rgb(0,40,85)"><u></u><u></u></span></p>
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<p class="MsoNormal" style="text-align:justify"><span style="color:rgb(0,0,1)"> | <u></u><u></u></span></p>
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<p class="MsoNormal" style="text-align:justify"><b><span style="color:rgb(0,40,85)">C</span></b><span style="color:rgb(0,40,85)">: </span><a href="tel:770-789-1326" target="_blank"><strong><span style="font-family:Calibri,sans-serif;color:rgb(0,0,1);font-weight:normal;text-decoration:none">770-789-1326</span></strong></a><span style="color:rgb(0,40,85)"><u></u><u></u></span></p>
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<p class="MsoNormal" style="text-align:justify"><a href="mailto:Jbradley@bbatlanta.com" target="_blank"><strong><span style="font-family:Calibri,sans-serif;color:rgb(186,32,49);font-weight:normal">Jbradley@bbatlanta.com</span></strong></a><span style="color:rgb(186,32,49)"><u></u><u></u></span></p>
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<p class="MsoNormal" style="text-align:justify"><span style="color:rgb(0,0,1)">Brown & Brown Insurance of Georgia, Inc. (NYSE: BRO)<br>
Atlanta Division<br>
900 North Point Parkway, Suite 300<br>
Alpharetta, GA 30005<u></u><u></u></span></p>
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<p class="MsoNormal"><a href="https://nam11.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.bbinsurance.com%2F&data=04%7C01%7Cpsyefw%40emory.edu%7Cda299187a30c4a0048b708d8c243ef0a%7Ce004fb9cb0a4424fbcd0322606d5df38%7C0%7C0%7C637472944790997959%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0&sdata=EDfLRcBIafX8fL5xaAjs0EPZ6lywV9hU9zabBf6XT7k%3D&reserved=0" target="_blank"><span style="font-size:1pt;text-decoration:none"><img border="0" width="200" height="34" style="width: 2.0833in; height: 0.3541in;" id="gmail-m_5163911380719124658Picture_x0020_1" src="cid:17740d0ea7b4ce8e97"></span></a><span style="font-size:1pt"><u></u><u></u></span></p>
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<p class="MsoNormal"><a href="https://nam11.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fbrown-brown-insurance-of-ga&data=04%7C01%7Cpsyefw%40emory.edu%7Cda299187a30c4a0048b708d8c243ef0a%7Ce004fb9cb0a4424fbcd0322606d5df38%7C0%7C0%7C637472944791007957%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0&sdata=EDJmQgzh8pLwPyTydvCXh9JKPGTMME12l75eRvXU1yI%3D&reserved=0" target="_blank"><span style="font-size:1pt;text-decoration:none"><img border="0" width="20" height="20" style="width: 0.2083in; height: 0.2083in;" id="gmail-m_5163911380719124658Picture_x0020_3" src="cid:17740d0ea7b692e339" alt="LinkedIn"></span></a><span style="font-size:1pt"><u></u><u></u></span></p>
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<p class="MsoNormal"><a href="https://nam11.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.bbinsurance.com%2Fcovid19%2F&data=04%7C01%7Cpsyefw%40emory.edu%7Cda299187a30c4a0048b708d8c243ef0a%7Ce004fb9cb0a4424fbcd0322606d5df38%7C0%7C0%7C637472944791017951%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0&sdata=VvkbWFigOJ8AyULPcuq5xsBkPcVJ3isgxMf5rjVgDGU%3D&reserved=0" target="_blank"><span style="font-size:1pt;text-decoration:none"><img border="0" width="300" height="119" style="width: 3.125in; height: 1.2395in;" id="gmail-m_5163911380719124658Picture_x0020_6" src="cid:17740d0ea7ba175efd"></span></a><span style="font-size:1pt"><u></u><u></u></span></p>
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<p class="MsoNormal" style="text-align:justify"><b><span style="font-size:7.5pt;font-family:Arial,sans-serif;color:rgb(5,0,0)">Please confirm that you consent for us to send policies, endorsements, invoices, and other correspondence pertaining to your policies to you via e‑mail. <br>
These documents may be sent to you in PDF Format. By replying to this email, you consent to have us communicate electronically with the applicable<br>
person(s) in your organization. You also agree to notify us of any changes with respect to individuals in your organization. If you do not reply to this e‑mail, <br>
you will continue to receive policies, endorsements, and other items electronically unless you request in writing to change your document delivery preferences<u></u><u></u></span></b></p>
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<p class="MsoNormal" style="text-align:justify"><span style="font-size:7.5pt;font-family:Arial,sans-serif;color:rgb(52,58,65);background:white">Please be advised that any and all information, comments, analysis, and/or recommendations set forth above relative to the possible impact of COVID‑19 on <br>
potential insurance coverage or other policy implications are intended solely for informational purposes and should not be relied upon as legal advice. As an <br>
insurance broker, we have no authority to make coverage decisions as that ability rests solely with the issuing carrier. Therefore, all claims should be submitted <br>
to the carrier for evaluation. The positions expressed herein are opinions only and are not to be construed as any form of guarantee or warrantee. Finally, given <br>
the extremely dynamic and rapidly evolving COVID‑19 situation, comments above do not take into account any applicable pending or future legislation introduced <br>
with the intent to override, alter or amend current policy language.<br>
<br>
</span><span style="font-size:7.5pt;font-family:Arial,sans-serif;color:rgb(0,0,1)">“Insurance coverage cannot be bound, amended or cancelled via voicemail, facsimile or e‑mail message without confirmation from an authorized Brown & Brown <br>
representative.” This e‑mail and all attachments may contain legally privileged and confidential information. If you are not the intended recipient, you should immediately <br>
stop reading this message and delete it from your system. <br>
Any unauthorized reading, distribution, copying, or other use of this message or its attachments is strictly prohibited. All personal messages express solely the sender's <br>
views and not those of Brown & Brown Insurance of Georgia, Inc or Brown & Brown, Inc. This message may not be copied or distributed without this disclaimer. <br>
Although this email and any attachments are believed to be free of any virus or other defect that might affect any computer system into which it is received and opened, <br>
it is the responsibility of the recipient to ensure that it is virus‑free and no responsibility is accepted by Brown & Brown, Inc. or its subsidiaries or affiliates either jointly or <br>
severally, for any loss or damage arising from its use. If you received this message in error, please immediately notify the sender. <u></u><u></u></span></p>
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<p class="MsoNormal"><u></u> <u></u></p>
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<p class="MsoNormal"><u></u> <u></u></p>
<div class="MsoNormal" align="center" style="text-align:center">
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<p class="MsoNormal"><span style="font-size:7.5pt;font-family:Arial,sans-serif;color:gray"><br>
This e-mail message (including any attachments) is for the sole use of<br>
the intended recipient(s) and may contain confidential and privileged<br>
information. If the reader of this message is not the intended<br>
recipient, you are hereby notified that any dissemination, distribution<br>
or copying of this message (including any attachments) is strictly<br>
prohibited.<br>
<br>
If you have received this message in error, please contact<br>
the sender by reply e-mail message and destroy all copies of the<br>
original message (including attachments).</span><u></u><u></u></p>
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