**125 Broad Street**
**New York, N.Y. 10004-2424**
**212 574 7000**

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**JOHNSON & HIGGINS Established 1845**

**September 11, 1996**

**TO ALL EXCESS CARRIERS:**
**(PER ATTACHED SCHEDULE)**

**INSURED:** **INTERNATIONAL BUSINESS MACHINES CORPORATION**
**RUFFING, ETAL -VS- UNION CARBIDE, ETAL**
**POLICY NO. - VARIOUS**

Enclosed is a copy of summons & complaint, schedule for the period 1964 to 1997 as well as letters to the primary carriers dated August 30, 1996.

Please handle accordingly and acknowledge receipt of these documents.

Very truly yours,

**Julianne Podesta (cm)**
**Casualty Claims Department**

Encl.

cc: **Marcy A. Siskind, Esq. - International Business Machines Corporation - (encl)**
**D. Peck - J&H Stamford**
**J. Rigo - J&H N.Y.**

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**UNISON**
**THE GLOBAL TEAM**

**IBM-ZRIND 64182**