No preview available
HomeMy WebLinkAboutC14-221 Airport Liability Insurance Renewal Proposal Acw Empower Results Renewal Proposal for Policy Period June 1 , 2014 to June 1 , 2015 Presented to Eagle County Airport May 12, 2014 Cheryl Turner Aviation Broker Aon Risk Services Central, Inc. Colorado License 147945 245 N. Waco, Suite 420 Wichita, Kansas 67202 Phone: 316-941-1519 cheryl.turner @aon.com Proprietary and Confidential 1�-2z l AoN Empower Results' Table of Contents I. Executive Summary 2 Insured's Acknowledgment and Instruction to Bind 3 II. Details of Coverage / Policy Term / Premium 4 III. Detail of Payment Terms 5 IV. Aon Service Team 5 V. Services 5 VI. ARS US Business Terms 6 Appendix 11 This insurance document is furnished to you as a matter of information for your convenience. It only summarizes the listed proposed policy(ies)and is not intended to reflect all the terms and conditions or exclusions of such proposed policy(ies). Moreover,the information contained in this document reflects proposed coverage as of the effective date(s)of the proposed policy(ies)and does not include subsequent changes.This document is not an insurance policy and does not amend, alter or extend the coverage afforded by the listed proposed policy(ies).The insurance afforded by the listed proposed policy(ies)is subject to all the terms,exclusions and conditions of such policy(ies). The services and placements outlined in this proposal will be provided in accordance with the terms of the notices and policies set forth in Section VI:ARS Business Terms. Aon Risk Solutions I Aviation Practice Group Proposal Date-05/12!2014 Eagle County Airport 2014 Renewal Proposal Edition Date April 25,2014 Empower Resuitse I. Executive Summary We are beginning to see the marketplace level off and are not seeing the big reductions in premiums that we have had in the past several years. As agreed, we approached only the incumbent for renewal terms this year and as expected,the renewal premium is the same as expiring. AIG still remains very competitively priced. All conditions and terms of the expiring policy will remain with two exceptions: 1. Medical Payments have been increased to$5,000 each person this year over the current$3,000. 2. The underwriter is unable to offer the excess liability for the Auto and Employers as they require an underlying limit of at least$5,000,000 and an occurrence form rather than a claims made form. Next year on renewal,we will go forward with a complete remarketing effort as discussed. Please refer to the Quote Disclosure Report for full disclosure of Aon's commissions. Aon Risk Solutions I Aviation Practice Group Proposal Date—05/12/2014 Eagle County Airport 2014 Renewal Proposal Edition Date:April 25,2014 2 A Empower Results• Insured's Acknowledgment and Instruction to Bind We hereby acknowledge receipt and review of the information presented in the Renewal Proposal ("Proposal")dated 05/12/2014 for Airport Liability and provided in the attached Quote Disclosure Report (QDR)dated 05/12/2014. We hereby instruct Aon Risk Services to bind the insurance program(s) selected by us and understand that our instruction to bind constitutes an acceptance of the terms and conditions and payments described in this Renewal Proposal, including ARS U.S. Business Terms. Date: /1A-iil n behalf of Eagle County Airport Aon Risk Solutions I Aviation Practice Group Proposal Date—05/12/2014 Eagle County Airport 2014 Renewal Proposal Edition Date:April 25,2014 3 AoN Empower Results* II. Details of Coverage / Policy Term / Premium Each Occurrence Limit $100,000,000 War Risk Liability @ $50,000,000 Included Products/Completed Operations Aggregate Limit $100,000,000 Personal &Advertising Injury Aggregate Limit $50,000,000 Premises Medical Expense Limit (any one person) $5,000 Fire Legal Liability(any one fire) $100,000 Hangarkeepers Liability Coverage $100,000,000 each aircraft/each occurrence Hangarkeepers Deductible $2,500 Annual Premium: $26,956 Market Security: AIG Aviation issuing through National Union Fire Insurance Company of Pittsburgh, PA A.M. Best Rating: Rating:A Financial Size Category:XV($2 Billion or greater) Aon Risk Solutions I Aviation Practice Group Proposal Date—05/12/2014 Eagle County Airport 2014 Renewal Proposal Edition Date:April 25,2014 4 AON Empower Results• III. Detail of Payment Terms • Your insurance premium can be paid as invoiced and premium is due upon receipt.Alternatively, the premium can be financed and paid in monthly installments,which can vary from 6 installments to 12. If you would like to review financing terms, please give us a call and we will be happy to secure those for you. IV. Aon Service Team • Cheryl Turner Broker Aon Risk Services Central, Inc. Aviation Practice Group 245 N.Waco, Suite 420 Wichita, Kansas 67202 V. Services Don't hesitate to contact Aon directly for assistance with the following: • Coverage questions • Billing questions • Certificates of Insurance Aon Risk Solutions I Aviation Practice Group Proposal Date—05/12/2014 Eagle County Airport 2014 Renewal Proposal Edition Date:April 25,2014 5 A Empower Results VI. ARS US Business Terms As your broker of record,Aon Risk Services (ARS)commits to the timely and thorough disclosure of placement strategies, marketing options and broking results. The services we provide will be subject to these Business Terms which, unless you and we agree in writing otherwise, are applicable to our services to you. Our Services We deliver our services based on the information you give us or which is given to us expressly on your behalf. In preparation for placing or renewing your insurance coverage,we will consult with you regarding insurance market conditions,the insurers we suggest be approached, our recommended program options to pursue, and our marketing strategy on your behalf. By the conclusion of the marketing process,we will provide you with written information regarding the coverage details, policy terms and conditions provided by the markets. We will assist you in gathering and preparing the underwriting information and completing insurance applications. We rely on you for the accuracy and completeness of any information you or anyone else provides to us on your behalf. We will also rely on you to provide us promptly with the information needed to deliver the services and to update any information provided where there has been a material change to that information that may affect the scope of delivery of the services, such as the nature of the risk,the insured entities, property values and descriptions of persons to be covered. Applications requiring signature will be signed by you. We will obtain your instructions to us to bind specific programs based on the program proposal we provide. We expect you to carefully review all documents we give you, including binders, policies and endorsements, and to advise us immediately if you detect any mistakes or believe the contents do not address your needs or instructions. ARS will administer your relationship with insurance companies including,where applicable, issues such as billings in connection with selected programs, data reporting, and compliance with negotiated requirements. We will provide services unless and until either of us notifies the other that ARS is no longer acting as your broker of record. Subject to applicable state law and contractual arrangements with insurers,any commissions to which we were entitled are fully earned. Surplus Lines and Premium Taxes Insurance may not be available in the admitted marketplace for the terms and conditions specified by the Client. In such event,ARS' insurance proposal may include one or more insurers not licensed to transact insurance in the states of exposure and such coverage may be placed as surplus lines coverage pursuant to the various applicable insurance laws governing the placement of insurance with non-admitted insurers. Persons and entities insured by surplus lines insurers cannot avail themselves of the protection and recovery afforded by the state insurance guaranty funds in the event the surplus lines insurer should become insolvent. The states do not audit the finances or review the solvency of surplus lines insurers. In some instances, insurance placements made by ARS on the Client's behalf may require the payment of state surplus lines or other premium taxes and/or fees in addition to the premium itself. ARS will make every effort to identify any such tax and/or fee in advance, but in all instances the payment of these taxes and/or fees will remain the responsibility of the Client and ARS will invoice the Client for the payment of such taxes and fees. Aon Risk Solutions I Aviation Practice Group Proposal Date—05/12/2014 Eagle County Airport 2014 Renewal Proposal Edition Date:April 25,2014 6 Empower Results' Client Responsibilities ARS will deliver the Included Services based upon the information that the Client and its representatives provide. The Client is responsible for the accuracy and completeness of the information and ARS accepts no responsibility arising from the Client's failure to provide such information to ARS. ARS must receive promptly the information to deliver the Included Services as well as the Client's prompt updates to any information where there has been a material change which may affect the scope or delivery of the Included Services, such as a change in the nature of the risk, insured entities, property values and persons or entities to be covered. To the extent that any portion of ARS' compensation, by operation of law, agreement or otherwise, becomes adjusted or credited to the Client, it is the Client's responsibility to disclose the actual net cost of the brokerage and insurance costs You have incurred to third party(ies) having an interest in such amounts. Claims Notification to Insurers Unless ARS has a specific signed agreement with the Client to the contrary, it is the Client's responsibility to take such steps as are necessary to notify directly those insurers whose policies may apply to any circumstances, occurrences, claims, suits, demands and losses in accordance with the terms and conditions of Your policies. ARS assumes no duty or responsibility with respect to such notifications or monitoring the Client's obligation to place insurers on notice unless undertaken in a separate written agreement. The Client may send copies of such notices to members of ARS staff for informational purposes only, but the receipt of such notice by ARS shall not create additional duties or obligations owed by ARS to the Client nor constitute notice to your insurers. Contract and Lease Review; General Advice In instances where ARS provides summaries of contractual requirements or provisions, or any suggested additional or alternative wordings to any contract or lease at the Client's request, such language must be reviewed by the'Client's legal advisor before You take action based upon ARS'statements. ARS does not and cannot provide legal advice as to whether the Client's insurance program covers legal obligations contained in the Client's contracts or leases. All descriptions of the insurance coverages are subject to the terms, conditions, exclusions and other provisions of the policies or any applicable regulations, rating rules or plans. Furthermore, it is understood that none of the services provided by ARS are of a legal nature and ARS shall not give legal opinions or provide legal advice or representations. Confidentiality ARS takes client confidentiality seriously. We have established controls to protect Your information. We are willing to enter an agreement as You may require for the protection of Your confidential data. The Client acknowledges and agrees that the work products provided by ARS are not to be distributed, used or relied upon by third parties without the written consent of both ARS and the Client, except as may be required by Your legal, accounting and non-insurance financial advisors who agree to be bound by this confidentiality agreement. Intermediaries ARS encourages its retail brokers to approach markets directly(without an intermediary)wherever possible. However, where ARS believes it is in the Client's best interest,We may recommend the use of intermediaries, including but not limited to co-brokers, sub-brokers, managing general agents/managing general underwriters,wholesale brokers, or reinsurance brokers(collectively, "Intermediary")to assist in Aon Risk Solutions I Aviation Practice Group Proposal Date-05f12/2014 Eagle County Airport 2014 Renewal Proposal Edition Date:April 25,2014 7 Empower Results' the procurement and servicing of the Client's insurance.. ARS prefers, wherever possible, to use the services of an ARS-affiliated Intermediary and ARS shall not be responsible for a non-ARS affiliated Intermediary's actual or alleged acts, errors, or omissions or those of its officers, directors or employees. Any and all compensation earned by an Intermediary in connection with the programs shall be in addition to the compensation paid to ARS and shall not be credited against the Fee. Collection and Use of Client Information ARS gathers data containing information about our customers and their insurance placements, as well as information about the insurance companies that provide coverage to our customers or compete for our customers' insurance placements. In addition to the information provided by our customers,ARS may collect information from commercially available sources. Such information may include name, address, email address and demographic data. This information may be shared among ARS affiliated businesses, as well as with third-party service providers acting on our behalf. In addition to being used to provide services to ARS customers, the information may be used for business administration, business reporting, statistical analysis, marketing of ARS products or services and providing consulting or other services to insurance companies for which ARS or its affiliates may receive remuneration. ARS takes appropriate measures to protect the privacy and confidentiality of our customers as well as to comply with applicable laws and regulations. ARS may use or disclose information about our customers if we are required to do so by law,ARS policy, pursuant to legal process or in response to a request from law enforcement authorities or other government officials. Due to the global nature of services provided by ARS, the personal information you provide may be transmitted, used, stored and otherwise processed outside of the country where you submitted that information. If you have questions about ARS data processing, please contact your ARS account executive. Use of Logos Unless otherwise instructed by the Client,ARS will use the Client's logo, pictures, and other publicly available information to effectively market the Client's Programs or for use in ARS' business records. Jury Waiver You and we, on behalf of our Groups,waive our rights to a trial by jury in any lawsuit or other legal proceeding against the other Group arising out of any of our services provided to you. You and we also will not name as a defendant any individual employee, officer or director of the other Group in any lawsuit or legal proceeding. Insurance Proposals and Summaries ARS's insurance documents containing proposals to bind coverage, summaries of coverages, and certificates of insurance placed are furnished to clients as a matter of information for our clients' convenience. These documents summarize proposed and placed policies and are not intended to reflect all the terms, conditions and exclusions of such policies. Moreover, the information contained in these documents reflects proposed or placed coverage as of the effective dates of the proposed policies or the date of the summaries and does not include subsequent changes. These documents are not themselves insurance policies and do not amend,alter or extend the coverages afforded by the proposed or placed policies. The insurance afforded by the proposed or placed policies is subject to all the terms, conditions and exclusions contained in such policies as they are issued by the insurers. Aon Risk Solutions I Aviation Practice Group Proposal Date—05/12/2014 Eagle County Airport 2014 Renewal Proposal Edition Data April 25,2014 8 Aav Empower Results' Insurer Solvency While ARS only engages insurers who meet certain requirements as established by Us from time to time, We make no representation, guarantee or warranty as to the solvency or ability of any insurer to pay any amounts for insurance claims or otherwise. Pricing ARS does not and cannot guarantee the availability or price of insurance for your risks and will not be responsible for fluctuation in the premiums charged by insurers. We will rely on you to review and approve calculation or estimation of premium and ARS is not responsible for any loss occasioned as a result of our calculation or estimation of premium and statutory charges that may apply to your insurance. Mutual Limited Waiver of Liability Neither ARS nor you, nor either of our parent(s), affiliates, subsidiaries, and their respective directors, officers,employees and agents ("Group")will be liable to the other Group for any indirect, incidental, special, consequential, exemplary, punitive or reliance damages(including,without limitation, lost or anticipated revenues, lost business opportunities or lost sales or profits, whether or not either Group has been advised of the likelihood of such damages)arising out of services provided by ARS or any of its Group. Insurance Producer's Role and Compensation The role of the insurance producer such as ARS in any particular transaction involves review with insurance purchasers about the benefits and terms and conditions of insurance contracts and selling insurance. Compensation is paid to the producer based on the insurance contract the producer sells. Depending on the insurer(s)and insurance contract(s)the purchaser selects, as well as the arrangement between the producer and the purchaser, compensation will be paid by the insurer(s)selling the insurance contract or by another third party. Such compensation may vary depending on a number of factors, including the insurance contract(s)and the insurer(s)the purchaser selects. Unless applicable state law and regulation or contractual agreement between ARS and insurers states otherwise, any commission that ARS is entitled to receive for any placements is fully earned at inception of the insurance programs described in our insurance proposals and ARS is entitled to retain such commissions in the event of a midterm cancellation of coverage or a reduction in coverage resulting in a premium adjustment. To the extent that any portion of ARS's compensation as reflected on its invoices becomes adjusted or credited to our client, it is the client's responsibility to disclose the actual net cost to the client of the brokerage and insurance costs incurred to third party(ies)having an interest in such amounts. In placing, renewing, consulting on or servicing your insurance coverages,ARS and its affiliates("Aon") may participate in contingent commission arrangements with insurance companies that provide for additional compensation, if,for example, certain underwriting, profitability, volume or retention goals are achieved. Such goals are typically based on the total amount of certain insurance coverages placed by Aon with the insurance company or the overall performance of the policies placed with that insurance company rather than on an individual policy basis. As a result,Aon may be considered to have an incentive to place your insurance coverages with a particular insurance company. You may obtain information about compensation expected to be received by Aon based in whole or in part on the sale of insurance to you, and (if applicable)compensation expected to be received based in Aon Risk Solutions I Aviation Practice Group Proposal Date—05/12/2014 Eagle County Airport 2014 Renewal Proposal Edition Date:April 25,2014 9 AON Empower Results° whole or in part on any alternative quotes presented to you by Aon by contacting your Account Executive or emailing: aon.brokinq.us(a.aon.com Your Limitation of Our Liability Our liability to you, in total,for the duration of our business relationship for any and all damages, costs, and expenses(including but not limited to attorneys'fees),whether based on contract, tort(including negligence), or otherwise, in connection with or related to our services (including a failure to provide a service)that we provide shall be limited to an aggregate amount of$2,500,000. This liability limitation applies to you, our client, and extends to our client's parent(s), affiliates, subsidiaries, and their respective directors, officers, employees and agents(each a"Client Group Member"of the"Client Group")wherever located that seek to assert claims against ARS, and its parent(s),affiliates, subsidiaries and their respective directors, officers, employees and agents(each an "Aon Group Member"of the"Aon Group"). Nothing in this liability limitation section implies that any Aon Group Member owes or accepts any duty or responsibility to any Client Group Member. If you or any of your Group Members asserts any claims or makes any demands against us or any Aon Group Member for a total amount in excess of this liability limitation,then you agree to indemnify ARS for any and all liabilities, costs, damages and expenses, including attorneys'fees, incurred by ARS or any Aon Group Member that exceeds this liability limitation. Aon Risk Solutions I Aviation Practice Group Proposal Date—0502/2014 Eagle County Airport 2014 Renewal Proposal Edition Date:April 25,2014 10 A Empower Results° Appendix • Quote Disclosure Report(attached separately) • Copy of AIG's renewal quote including commission Aon Risk Solutions I Aviation Practice Group Proposal Date—05/1212014 Eagle County Airport 2014 Renewal Proposal Edition Date:April 25,2014 11 A1G Dallas Branch 600 N.Pearl Street,Suite 700 Dallas,TX 75201 Phone:(214)758-8400 Fax:(214)758-8884 FACSIMILE TRANSMISSION DATE: 5/5/2014 NUMBER OF PAGES INCLUDING COVER: 3 TO: Cheryl Turner FROM:Allan Baker COMPANY: AON RISK SERVICES CENTRAL,INC FAX NUMBER: on file SUBJECT: Eagle County Airport 500 Broadway Gypsum,CO 81637 Expires: Exp.Policy#AP 003229274-20 Based upon the underwriting information supplied,the following quotation is offered for the above referenced prospective insured. This quotation may change or be withdrawn in the event the exposures change,or a loss occurs,prior to the effective date of coverage. Producer commission is 15.%. AIRPORT COVERAGE LIMITS PREMIUM PREMISES Single Limit Bodily Injury $100,000,000 each occurrence $21,154 and Property Damage Liability General Aggregate Limit: Not Applicable PRODUCTS AND COMPLETED OPERATIONS Single Limit Bodily Injury $100,000,000 each occurrence $1,380 and Property Damage Liability $100,000,000 aggregate Gross Receipts(excluding fuel sale):0 Fuel Gallons Sold/Dist:0 Service/Material: HANGARKEEPERS LIABILITY-NOT IN FLIGHT $100,000,000 each aircraft $1,972 $100,000,000 each occurrence $2,500 deductible each aircraft PREMISES MEDICAL $5,000 each person Included FIRE LEGAL $100,000 any one fire Included PERSONAL INJURY $50,000,000 aggregate Included TOTAL ANNUAL PREMIUM $24,506 War Liability- $2,450 add TRIA to War Coverage- $28,915 TRIA(Without War Coverage) $39,464 Although the captioned Insured may have rejected coverage for certain losses arising out of any Act of Terrorism(as defined in the Terrorism Risk Insurance Act of 2002,as amended by the Terrorism Risk Insurance Program Reauthorization Act of 2007),we have provided a quotation for such coverage under your renewal policy(ies). If we have a previous rejection of TRIA on file received through your agency your policy(ies)will renew'As Expiring'unless we receive notification from you prior to inception that such coverage is now desired. Special Instructions: Issuing Company: National Union Fire Insurance Company of Pittsburgh,PP Endorsements,Notices,Caveats&Applicable Warnings: CGL2002A Date Recognition Limited Coverage Clause AVN2002A,TRIA-UE858, CGL52G-Extended Coverage Endorsement(Aviation Liabilities),CGL810-Airport Expansion Endorsement , CGL1059-Excess Auto Legal Liability,CGL1060-Excess Employers Liability, Any Applicable State Endorsements and/or Notices,UE1013 Policy Holder Notice,UE1066 Terrorism Exclusion- Certified Acts,UE882 Asbestos Exclusion Endorsement,UE2000A Date Recognition Exclusion Clause AVN2000A,UE46B Noise and Pollution and Other Perils Exclusion Clause AVN46B,UE48B War Hi-Jacking and Other Perils Exclusion Clause ANV48B,UE38B-Nuclear Risks Exclusion Clause AVN38B, Coverage is subject to the actual terms,conditions and exclusions in the standard policy form CGL02-NU.This quotation is valid for forty-five(45)days or until coverage effective date,whichever comes first.Premiums do not include any applicable state and/or municipal taxes.Binding of coverage is subject to satisfactory verification of the requested information.Thank you for this submission.Please call if there are any questions.We look forward to being asked to bind coverage. Other Endorsements This quotation contains a broad outline of coverage and does not include all the terms,conditions and exclusions of the policy(or policies)that may be issued to you. The policy(or policies)contain the full and complete agreement with regard to coverage. Please review the policy(or policies)thoroughly upon receipt and notify us promptly in writing if you have any questions. In the event of any inconsistency between the quotation or binder and the policy,the policy language shall control unless the parties agree to an amendment. POLICYHOLDER DISCLOSURE NOTICE OF TERRORISM INSURANCE COVERAGE You are hereby notified that under the Terrorism Risk Insurance Act, as amended,that you have a right to purchase insurance coverage for losses resulting from acts of terrorism, as defined in Section 102(1) of the Act: The term "act of terrorism"means any act that is certified by the Secretary of the Treasury-in concurrence with the Secretary of State, and the Attorney General of the United States-to be an act of terrorism; to be a violent act or an act that is dangerous to human life, property, or infrastructure;to have resulted in damage within the United States, or outside the United States in the case of certain air carriers or vessels or the premises of a United States mission; and to have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. YOU SHOULD KNOW THAT WHERE COVERAGE IS PROVIDED BY THIS POLICY FOR LOSSES RESULTING FROM CERTIFIED ACTS OF TERRORISM,SUCH LOSSES MAY BE PARTIALLY REIMBURSED BY THE UNITED STATES GOVERNMENT UNDER A FORMULA ESTABLISHED BY FEDERAL LAW. HOWEVER, YOUR POLICY MAY CONTAIN OTHER EXCLUSIONS WHICH MIGHT AFFECT YOUR COVERAGE, SUCH AS AN EXCLUSION FOR NUCLEAR EVENTS. UNDER THE FORMULA,THE UNITED STATES GOVERNMENT GENERALLY REIMBURSES 85% OF COVERED TERRORISM LOSSES EXCEEDING THE STATUTORILY ESTABLISHED DEDUCTIBLE PAID BY THE INSURANCE COMPANY PROVIDING THE COVERAGE. THE PREMIUM CHARGED FOR THIS COVERAGE IS PROVIDED BELOW AND DOES NOT INCLUDE ANY CHARGES FOR THE PORTION OF LOSS THAT MAY BE COVERED BY THE FEDERAL GOVERNMENT UNDER THE ACT. YOU SHOULD ALSO KNOW THAT THE TERRORISM RISK INSURANCE ACT,AS AMENDED, CONTAINS A $100 BILLION CAP THAT LIMITS U.S. GOVERNMENT REIMBURSEMENT AS WELL AS INSURERS' LIABILITY FOR LOSSES RESULTING FROM CERTIFIED ACTS OF TERRORISM WHEN THE AMOUNT OF SUCH LOSSES IN ANY ONE CALENDAR YEAR EXCEEDS$100 BILLION. IF THE AGGREGATE INSURED LOSSES FOR ALL INSURERS EXCEED$100 BILLION,YOUR COVERAGE MAY BE REDUCED. Acceptance or Rejection of Terrorism Insurance Coverage Type of Policy Additional Accept Reject Premium Aircraft Liability $ N/A Aircraft Physical Damage $ N/A Comprehensive General Liability $ 39,464 Manufacturing Products/Completed Operations/Grounding Liability $ N/A Other $ N/A , Z,Z7(--- L Policyhol r/Applicant's Signature WAN 14 Date Policyholder/Applicant's Printed Nam Eagle County Airport, Renewal of Policy AP 003229274-20 Renewal of Policy Name Insured/Policy Number(s) UE1068 (3/08) ©2007 National Association of Insurance Comissioners L = a J z u o e 3 - = o E - mac` ° d 5 o - 8 _ 5 _3 E :,', o 5 u - = G _ 0- 0 5 s a T a _ a o a, ° - U .5O,�= ¢ 3.4 3 a = o v o ll v • ° - v ° c A. o _74 °45 L , : c 2 20 c 8. =3 °- a° 0 5 3 9 y9s E .3 o a 3 A 1,5P- h 3 a g ..'_� .s E '23 a. E E a E 5 o f r _ v o y c 0 a > d _ 0 a 3o Q E y a v Q 0 o$ _ y ° z _ _ _� a 9 E 5 0 > o °-' �U o a ms's u E E `o v [� -5 -fl c E m y o x Q s 0- a o 0 2 _28'. 3 E ,W o g , a O ° . V L A 't V -O - cy 'S o -= `EE . 2 E 75 i2. o € a 75°a' 1 0 9, E A O E v - 4 ". 3 0 `0 $ c o506 c g _t ° 3 a3 v > N 0=• v n E .,s,-„,o • d c ° m =o S _ o g y _ h _v a z° ' a ^° s " r s 3 o o $ 3 4 !'=¢ 3 Fr 5 F 9, v 5 -a, . o o 3 a a ',o p y _ 0 E ° o 3. a ¢ a 5 g ° h e O -'6 m 2 ^ _ E ... aka = EE -5 ° RQ E or ° p 'ill a> 8= .. 8-2` H A 8 g ,. > ° 0 _ o _ 3 0 r3- ° o•0 c t E d ° W E y I ] p a o' 21.,g y d T= Q . u gig O V. -d a _°Q t$ u 0 u z 3 E 4. "g u >131 0. s. E0 - 0 E V• aE ao ° g > 3 3 C, - +' gg g. 1gd2 ago - a9 - 5 v € E1 bq h o�s E as a^o v, E g _ "a F' ti 73 'o c a . 7, c a`A Q- 2. g.2., > >3 a Q 22 5 F Q E z