The above explanations only serve as a brief description of each endorsement. Please refer to the actual endorsement for exact terms and conditions.

We trust that you will find the attached to be in good order, however, should you have any questions please do not hesitate to contact our offices.

Sincerely,

Tiajuana Sewell
Vice President

TS/nsc

Encl

cc: Nick Moore – ARS, Inc. of New York