agendapacket...north wildwood city mary canesi, northfield city (arrived after roll call) kellie...

AGENDA PACKET

Wednesday, January 16, 2019 at 3:00 PM

Atlantic County Library 40 Farragut Ave

Mays Landing, NJ WWW.ACMJIF.ORG

ATLANTIC COUNTY MUNICIPAL JOINT INSURANCE FUND Atlantic County Library

40 Farragut Ave Mays Landing, NJ

January 16, 2019 - 3:00 PM

AGENDA

I. Sine Die and Reorganization Meeting called to order by Chairman

II. Flag Salute

III. Statement of Compliance with Open Public Meetings Act A. Notice of this meeting was given by:

1. Sending sufficient notice herewith to: a. The Press of Atlantic City b. Courier Post, Cherry Hill, New Jersey; and

2. Filing advance written notice of this meeting with the Clerks/Administrators of all member municipalities; and

3. Posting notice on the public bulletin boards of all member municipalities.

IV. Roll Call A. 2018 Fund Commissioners B. Fund Professionals C. Risk Management Consultants

V. Approval of Minutes .............................................................................................................. Pages 1-17 A. Adoption of the December 19, 2018 minutes – Motion – All in Favor

VI. Closed Session Minutes A. Approval of the December 19, 2018 Closed Session minutes – Motion – All in Favor

The Closed Session Minutes shall not be released to the public until the reason(s) for their remaining closed is no longer applicable and the Fund Solicitor has an opportunity to review them.

VII. Adjourn Sine Die Meeting – Motion – All in Favor

A. Officers, Executive Committee, Alternates vacate chairs B. Chairperson passes gavel to Executive Director/Administrator

VIII. Roll Call

A. 2019 Fund Commissioners

IX. Election of 2019 Officers ...................................................................................................... Page 18 A. Election of a Chairperson & Secretary

1.) Roll Call Vote – All 2019 Fund Commissioners B. Election of an Executive Committee and Alternates

1.) Roll Call Vote – All 2019 Fund Commissioners

X. Oaths of Office (administered by Fund’s Solicitor) A. Chairperson B. Secretary C. Executive Committee D. Alternates

(Executive Director returns gavel to Chairperson)

January, 2019 Agenda Page 2 XI. Organizational Resolutions

A. R 2019-01: Confirming the Election of a Chairman and Secretary ............................ Page 19 B. R 2019-02: Confirming the Election of an Executive Committee and Alternates .... Page 20 C. R 2019-03: Appointing Professional Staff ............................................................ Pages 21-26 D. R 2019-04: Approving Defense Attorneys ........................................................... Pages 27-30 E. R 2019-05: Recommending the EPL/POL Defense Panel…………………..…Pages 31-32 F. R 2019-06: Appointing Louis J. Greco, Esquire as Conflict Solicitor ................. Pages 33-34 G. R 2019-07: Adopting Cash and Investment Policy ............................................... Pages 35-39 H. R 2019-08: Adopting Procedures in Compliance with the Open Public Meetings Act .. Pages 40-42 I. R 2019-09: Adopting Fiscal Policies and Procedures .......................................... Pages 43-45 J. R 2019-10: Adopting Administrative Policies and Procedures ............................ Pages 46-47 K. R 2019-11: Designating the Executive Dir. as Public Agency Compliance Off. Pages 48-49 L. R 2019-12: Adopting and Establishing a Conflict of Interest Policy ................... Pages 50-53 M. R 2019-13: Establishing A Fund Records Program ..................................................... Page 54 N. R 2019-14: Establishing the 2019 Plan of Risk Management .............................. Pages 55-97 O. R2019-15: Designation of Certifying and Approving Officer for Payment of Claims…….Page-98 P. R2019-16: Authorizing participation in the MEL Named Storm Deductible Risk Sharing Program……………...…………………..……….….Pages 99-100 Q. R2019-17: Authorizing an Interim Service Contract with Arthur J. Gallagher for Administrative Services………………………………………………Page 101

Approval of Resolutions R 2019-1 through R 2019-17 – Motion - Roll Call

XII. Expense Resolution

A. R 2019-18: Resolution Authorizing Advance Travel Expenses for Authorized Official Travel to PRIMA & AGRiP Conferences – Motion – Roll Call…….Pages 102-106

XIII. Closed Session – Resolution 2019- ______ Authorizing a Closed Session of the Atlantic County Municipal Joint Insurance Fund to discuss matters affecting the protection of safety and property of the public and to discuss pending or anticipated litigation and/or contract negotiations – Motion -Roll Call

A. Claims Review Committee Report – Closed Session Items B. Professionals’ Reports

1. Claims Administrator’s Report 2. Executive Director’s Report 3. Safety Director’s Report 4. Solicitor’s Report

XIV. Reopen Public Portion of Meeting – Motion – All in Favor

XV. Authorization of Claims Payments – Motion - Roll Call

XVI. Authorization to Abandon Subrogation (if necessary) – Motion - Roll Call

XVII. Claims Review Committee Report – Open Session Items

XVIII. Claims Administrator’s Report A. Lessons Learned from Losses – January 2019……..….........................................Page 107

XIX. Managed Health Care Report A. Managed Care Summary………………………………………….……….…..…..Page 108 B. Average Days to Report…….………………………………….……...……......…Page 109 C. Transitional Duty Summary……………….…………………………….….….....Page 110 D. PPO Savings and Penetration Reports….….…………………………...…...Pages 111-112

January, 2019 Agenda Page 3

E. Paid Provider by Specialty…………………………………………………………Page 113 F. Top 5 Providers….……………………………………………….....................….Page 114 G. Nurse Case Management Report………………………………………………….Page 115

XX. Solicitor’s Report A. Closed Cases Report ………………………………………..………………….…Page 116

XXI. Committee Reports

A. EPL/POL Claims Committee Meeting Minutes – December 19, 2018..……Pages 117-122 B. Safety Committee Meeting Minutes – December 20, 2018…………..……………Handout C. Committee Chairs Committee Meeting Minutes – January 10, 2019.....…………..Handout 1. 2019 Committee Assignments

XXII. Wellness Director Report A. Wellness Report………………………………………………….……..………..Page123 B. In Good Health Newsletter……………………………….…….…..….…..Pages 124-129 C. Move It:………………………………………………………….…..……..……Page 130 D. Shout Out: Northfield………………………………………………………..…..Page 131

XXIII. Executive Director’s Report…………………………………………..…..…..…...…Pages 132- 165

A. AJG Risk Management Services – Disclosure Statement…………….……………Page 137 B. Lost Time Accident Frequency Reports ............................................................ Pages 138-139 C. Certificates of Insurance ..................................................................................... Pages 140-143 D. Financial Fast Track Report ........................................................................................ Page 144 E. Regulatory Filing Checklists. ............................................................................. Pages 145-146 F. 2017 Safety Incentive Program Awards………………………….…….…………..Page 147 G. 2018 Optional Safety Budget ..................................................................................... Page 148 H. 2018 Wellness Incentive .............................................................................................. Page 149 I. EPL/Cyber Risk Management Budget. ....................................................................... Page 150 J. EPL Helpline – Authorized Contact List ........................................................... Pages 151-152 K. EPL Compliance Status ............................................................................................... Page 153 L. MEL Cyber Risk Management Plan Compliance Status ............................................ Page 154 M. Statutory Bond Status. ................................................................................................. Page 155 N. Skateboard Park Approval Status ................................................................................ Page 156 O. Capehart & Scatchard Updates………………………………………………Pages 157-160 P. Monthly Calendars.............................................................................................. Pages 161-162 Q. Elected Officials Trainings . ............................................................................... Pages 163-164 R. Police One Training S. Medio Pro Training T. Technology Risk Services U. 2019 1st Installment Billing V. 2018 Attendance Record…………………………………………………………..Page 165 W. RMC Resolutions & Agreements X. PRIMA/AGRiP Conferences Y. Safety Coordinator/Claims Coordinator Roundtable Z. Website AA. Inclement Weather Policy AB. New Member Activity

January, 2019 Agenda Page 4 XXIV. Safety Director’s Report

A. Activity Report………………………………………………………….......Pages 166-170 B. MSI Bulletin: Fire Service CDL Exemption…………………………….………..Page 171 C. MSI Bulletin: Conducting Motor Vehicle Records Check……………………Pages 172-173 D. MSI Bulletin: Avoiding Deer – Vehicle Collisions…………………...…...…Pages 174-175 E. MSI Usage Report………………………………………………………..…………Page 176

XXV. MEL and/or RCF Reports A. MEL Report – January 2, 2019 ………………..……………………...….…Pages 177-182 B. RCF Report – January 2, 2019 ………………..……………………..……..Pages 183-185

XXVI. Treasurer’s Report as of December 31, 2018…………………………………………Pages 186-265 A. Fund Status B. Investment Report C. Payment Register – Motion - Roll Call D. Bill List – January 2019 – Motion - Roll Call…………………….……….Pages 261-262 E. Reconciliation F. Analysis of Non-Assessment Receipts G. AELCF

XXVII. Miscellaneous Business

The Next Meeting will be held on Wednesday, February 20, 2019

3:00 PM at the Atlantic County Library 40 Farragut Ave, Mays Landing, NJ

XXVIII. Public Comment

A. Motion to Open Meeting to Public Comment – Motion - All in Favor B. Motion to Close Meeting to Public Comment – Motion – All in Favor

XXIX. Motion to Adjourn Meeting – All in Favor

C:\Users\kkristie\Documents\ACM\Agenda, Cover, MIN\Minutes.doc

ATLANTIC COUNTY MUNICIPAL JOINT INSURANCE FUND Atlantic County Public Library

40 Farragut Ave Mays Landing, New Jersey

December 19, 2018 at 3:00PM

OPEN SESSION MINUTES

The Executive Committee meeting of the Atlantic County Municipal Joint Insurance Fund (ACM JIF) was held on December 19, 2018, at Atlantic County Library – Mays Landing Branch, 40 Farragut Ave, Mays Landing, New Jersey at 3PM, prevailing time. Chair Mahon, Borough of Wildwood Crest, presiding. The meeting was called to order at 3:00 PM.

FLAG SALUTE

STATEMENT OF COMPLIANCE WITH OPEN PUBLIC MEETING ACT

Notice of this meeting was given by: (1) sending sufficient notice herewith to The Press of Atlantic City and the Courier Post, Cherry Hill, New Jersey; (2) filing advance written notice of this meeting with the Clerks/Administrators of all member municipalities of the Atlantic County Municipal Joint Insurance Fund; and (3) posting notice on the public bulletin boards of all member municipalities of the Atlantic County Municipal Joint Insurance Fund.

ROLL CALL

Those in attendance were:

Scott Wahl, Avalon Borough Karen Blowers, Brigantine City Bill Nimohay, Buena Borough Joe Picard, Cape May City Stephen O’Connor, Cape May Point Heather Sparks, Commercial Twp Carol Foster, Corbin City Karen Seifrit, Deerfield Twp Jessica Bishop, Dennis Twp Bob Campbell, Downe Twp Peter Miller, Egg Harbor Twp Linda Kent, Estell Manor City Patricia Gatto, Folsom Borough Ingrid Perez, Secretary, Hamilton Twp Leigh Ann Napoli, Linwood City Rich Hirsch, Longport Borough Lisa McLaughlin, Margate City Sue Quinones, Alt., Middle Twp Regina Burke, Millville City Dawn Stollenwerk, Mullica Twp

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ACM JIF Executive Committee Meeting Minutes December 19, 2018 Page 2

Sam Barbagli, Newfield Borough Ron Simone, North Wildwood City Mary Canesi, Northfield City (arrived after roll call) Kellie Seib, Sea Isle City Lucy Samuelsen, Somers Point City Jim Craft, Stone Harbor Borough Rhonda Sharp, Upper Twp Roy Spoltore, Upper Deerfield Twp Jim Goos, Ventnor City Susan Danson, Alt., Waterford Twp Elaine Brunkel-Crowley, Alt., West Wildwood City DJ Ayres, Weymouth Twp Connie Mahon, Chair, Wildwood Crest Borough Lisa Garrison, Woodbine Borough

Absent were:

John Armstrong, Absecon City Cheryl Prakash, Galloway Twp Julie Picard, Lower Twp Liz Woods, Ocean City Sean Riggin, Pleasantville City Lauren Vitelli, West Cape May Borough Chris Fox, Wildwood City

Present Fund Professionals were:

Paul Forlenza, Executive Director, AJG Risk Management Services, Inc. Brad Hoffman, Deputy Executive Director, AJG Risk Management Services, Inc. Tracy Forlenza, Recording Secretary, AJG Risk Management Services, Inc. Chris Roselli, Claims Administrator, Qual-Lynx Karen Beatty, Managed Care Provider, QualCare Rob Garish, Safety Consultant, J.A. Montgomery Risk Control David DeWeese, Esquire, Fund Solicitor, The DeWeese Law Firm, P.C. John Hansen, Treasurer Valerie Smith, Wellness Director

Present Risk Management Consultants were:

C. J. Adams CompanyAtlantic AssociatesJ. Byrne Agency, Inc.Gerber InsuranceGlenn InsuranceHardenbergh InsuranceThomas Heist Insurance AgencyInsurance Agencies Inc.Marsh & McLennan AgencyMcMahon Agency, Inc.William R. Mints AgencySiracusa-Kauffman Insurance

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Absent Risk Management Consultants were: Assured Partners BCA Insurance Conner Strong & Buckelew

These minutes do not necessarily reflect the order in which some items were discussed. MOVING FUND COMMISSIONERS TO EXECUTIVE COMMITTEE In the absence of Ms. Picard, Lower, Mr. Ridings, West Wildwood, and the recent resignation of Mr. Wood, Wildwood, alternates Mr. Craft, Stone Harbor, Ms. Seib, Sea Isle City, and Ms. Foster, Corbin City, were moved to the Executive Board for voting purposes.

APPROVAL OF MINUTES– OPEN SESSION

Chair Mahon entertained a motion to approve the meeting minutes of the November 19, 2018 Executive Committee Meeting.

Motion by Mr. Goos, seconded by Ms. Perez, to approve the meeting minutes of the November 19, 2018 Executive Committee Meeting as presented. All in favor. Motion carried.

APPROVAL OF MINUTES – CLOSED SESSION

Confidential Closed Session Meeting Minutes were distributed to the Executive Committee Members.

Chair Mahon entertained a motion to adopt the Closed Session Meeting Minutes of the November 19, 2018 Meeting of the Fund.

Motion by Mr. Wahl, seconded by Mr. Goos, to approve the Closed Session minutes of the November 19, 2018 Executive Committee Meeting as presented. All in favor. Motion carried.

The Closed Session meeting minutes of the November 19, 2018 meeting shall not be released to the public until the reason(s) for their remaining closed is no longer applicable and the Fund Solicitor has had the opportunity to review them.

Confidential Closed Session Meeting Minutes were collected.

CLOSED SESSION - RESOLUTION #2018-52

Be it moved by the Atlantic County Municipal Joint Insurance Fund that the public be excluded from this portion of the meeting to permit the Executive Committee to consider in closed session matters affecting the safety and property of the public and to discuss pending or anticipated litigation and/or contract negotiations and that the minutes covering these matters and the results of closed session will be released to the public when the reasons for discussing and on them in closed session no longer exists as required by the Open Public Meeting Act.

Chair Mahon entertained a motion to adopt Closed Session Resolution 2018-52.

Motion by Ms. Perez, seconded by Mr. Goos, to adopt Resolution 2018-52 as presented.

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ROLL CALL Yeas: Scott Wahl, Avalon Carol Foster, Corbin City Ingrid Perez, Sec, Hamilton Twp Kellie Seib, Sea Isle City Jim Craft, Stone Harbor Jim Goos, City of Ventnor Connie Mahon, Chair, Wildwood Crest

Nays: None

Abstained: None

All in favor. Motion carried by unanimous vote.

Chair Mahon asked everyone except the Fund Commissioners and Mr. David DeWeese to exit the meeting for contract discussions.

REOPEN PUBLIC PORTION OF THE MEETING

Chair Mahon entertained a motion to reopen the public portion of the meeting.

Motion by Ms. Perez, seconded by Mr. Goos, to reopen the public portion of the meeting. All in favor. Motion carried.

AUTHORIZATION OF CLAIMS PAYMENTS

Chair Mahon presented the claims for payment as discussed in Closed Session.

Chair Mahon asked if there were any questions at this time. No questions were entertained.

Chair Mahon entertained a motion to approve the claims for payment as discussed in Closed Session.

Motion by Mr. Wahl, seconded by Mr. Goos to approve the claims for payment as discussed in Closed Session. They are as follows:

November 2018 PARs:

Workers’ Compensation General Liability

Property

2018131877 001254974 2019151209 2018131188 001264529 2019158410 001206080 2019158003 2019148274 2019158263 201955404 2019155070 2017089483 2019158079 2019148301 2019157406 001205753 2019152289 019150119 2019148151 001236614 001203982

MLT-2018111019 (01-02)

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2017092196


Nays: None

Abstain: None


ABANDON SUBROGATION

Motion by Ms. Perez, seconded by Mr. Wahl, to abandon subrogation on the following Qual-Lynx files:

QL File#

MLT-2018111019

2017092196


Nays: None

Abstain: None


CLAIMS REVIEW COMMITTEE REPORT – OPEN SESSION ITEMS

Ms. Perez noted that the Claims Review Committee report was given in closed session and she had nothing further for open session.

CLAIMS ADMINISTRATOR’S REPORT

Lessons Learned from Losses – December Mr. Roselli reported that the Lessons Learned from Losses this month focuses on Winter Safety. Mr. Roselli recommended having a strong snow and ice management plan for removal and monitoring of problem areas. He also reminded members to consider if assigned employees are capable of performing

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their responsibilities safely. Remember to pretreat parking lots and sidewalks; plan where to pile snow; discuss footwear with employees; add caution/wet floor signs at building entrances; and to maintain or add heat to colder areas so pipes don’t freeze. Mr. Roselli shared two claims with the members. One claim was an employee who was 62 years old who herniated discs in his back from shoveling snow resulting in a $73,000 loss and another claim where pipes in a storage room froze and broke causing damage to surrounding areas at a cost of $293,000. Mr. Roselli reminded the members to review his newsletter and share it with their employees. Mr. Roselli asked if there were any questions. No questions were entertained. The remainder of the Claims Administrator’s report was provided in Closed Session. MANAGED HEALTH CARE REPORT Ms. Beatty reviewed the Managed Care Report for November 2018. Lost Time v. Medical Only Cases Ms. Beatty presented the ACM JIF Lost Time v. Medical Only Cases (Intake Report).

Nov YTD

Lost Time 4 140

Medical Only 38 409

Report Only 22 295

Total Intakes (New Claims) 64 844

Report Only % of Total 34.4% 35.0%

Medical Only/Lost Time Ratio 90:10 74:26

Average Days to Report 2.3 2.2

Transitional Duty Report

Ms. Beatty presented her Transitional Duty reports.

Transitional Duty Summary Report YTD Transitional Duty Days Available 7,681 Transitional Duty Days Worked 5,194 % of Transitional Duty Days Worked 67.6% Transitional Duty Days Not Accommodated 2,487 % of Transitional Duty Days Not Accommodated 32.4%

PPO Penetration Report:

Ms. Beatty presented the self-explanatory PPO Penetration Rate Report.

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PPO Penetration Rate Nov YTD Bill Count 600 6,170 Original Provider Charges $1,054,283 $8,368,216 Re-priced Bill Amount $335,522 $2,825,156 Savings $718,761 $5,543,060 % of Savings 68.2% 66.2% Participating Provider Penetration Rate- Bill count 97.0% 96.1%

Participating Provider Penetration Rate-Provider Charges 98.2% 97.5%

EPO Penetration Rate – Bill Count 99.0% 95.7%

EPO Penetration Rate –Provider Charges 99.8% 97.8%

Ms. Beatty handed out a chart depicting costs and time out of work for a healthy employee vs. a non-healthy employee. She noted the left-hand side shows the non-healthy employee vs the right-hand side with healthy employee statistics.

Ms. Beatty asked if there were any questions at this time. No questions were entertained.

SOLICITOR’S REPORT

Mr. DeWeese presented the following reports: Closed Claims Mr. DeWeese noted that there were three (3) case(s) closed in December. He noted a detailed synopsis of the claims can be found in the agenda packet and provided the following brief synopsis of each case: December Case(s)

Closed Case Description

Hyman v. Borough of Longport Discrimination/disability. Assigned Defense Counsel A. Michael Barker, Esquire, was assigned. Settlement with payment to Plaintiff of $15,000 with $7,500 from ACM JIF.

Booker v. City of North Wildwood Trip/fall in park. Assigned Defense Counsel Erin Thompson, Esquire, was assigned. Settlement with payment to Plaintiff of $75,000 with no money from ACM JIF.

Siciliano v. Borough of Wildwood Crest Trip/fall roadway. Assigned Defense Counsel Erin Thompson, Esquire, was assigned. Settlement with payment to Plaintiff of $25,000 with $18,500 from ACM JIF.

GL File Status Report

Mr. DeWeese reported that there are 80 active files and presented his full report to the Claims Review Committee earlier this month. He noted anyone wishing to see the claims for their town specifically should contact him.

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Subrogation File Summary Report

Mr. DeWeese reported that the total amount of the ACM JIF Judgments obtained is $3.1 million and $4.5 million in liens.

Smith vs. North Wildwood

Mr. DeWeese noted that Superior Court Judge Porto in Atlantic County granted the Summary Judgement Motion in the Smith vs. North Wildwood (drowning case). He stated that defense counsel A. Michael Barker did a fabulous job defending this case. He noted that a newspaper article today noted that the plaintiffs would appeal the decision. ACM JIF defense counsel A. Michael Barker did not feel they would appeal this ruling.

Mr. DeWeese asked for any questions. No questions were entertained.

COMMITTEE REPORTS

Finance Committee Ms. Stollenwerk noted that the Budget was discussed last meeting and is being presented for adoption tonight. Motion to Open the 2019 Budget Hearing Chair Mahon entertained a motion to open the 2019 Budget Hearing. Motion by Mr. Goos, second by Mr. Wahl, to open the 2019 Budget Hearing. All in favor. Motion carried. Motion to Close the 2019 Budget Hearing Chair Mahon entertained a motion to close the 2019 Budget Hearing. Motion by Ms. Perez, second by Mr. Wahl, to close the 2019 Budget Hearing. All in favor. Motion carried. Motion to Adopt the 2019 Budget Chair Mahon entertained a motion to adopt the 2019 Budget. Motion by Mr. Wahl, second by Mr. Goos, to adopt the 2019 Budget as presented.


Nays: None Abstained: None

Motion carried by unanimous vote.

Motion to Adopt the 2019 Assessment Certification Chair Mahon entertained a motion to adopt the 2019 Assessment Certification. Motion by Mr. Wahl, second by Ms. Perez, to adopt the 2019 Assessment Certification as presented.

ROLL CALL Yeas: Scott Wahl, Avalon Carol Foster, Corbin City Ingrid Perez, Sec, Hamilton Twp Kellie Seib, Sea Isle City Jim Craft, Stone Harbor

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Jim Goos, City of Ventnor Connie Mahon, Chair, Wildwood Crest



Motion to Adopt the 2019 Assessment Allocation Strategy Chair Mahon entertained a motion to adopt the 2019 Assessment Allocation Strategy. Motion by Mr. Goos, second by Ms. Perez, to adopt the 2019 Assessment Allocation Strategy as presented.




Nominating Committee Mr. Hirsch noted that a revised 2019 Executive Committee slate will be voted on at the January 2019 Reorganization meeting due to the replacement of John Armstrong as the Fund Commissioner in Absecon City.

Chair: Ingrid Perez, Hamilton Township

Secretary: Julie Picard, Township of Lower

Executive Committee #1 Chris Ridings, Borough of West Wildwood

#2 Scott Wahl, Borough of Avalon

#3 Kellie Seib, City of Sea Isle City

#4 James Goos, City of Ventnor

#5 James Craft, Borough of Stone Harbor

Executive Committee Alternates: #1 Elizabeth Woods, City of Ocean City

#2 Linda Kent, City of Estell Manor

#3 Kim Krauss, Township of Middle

#4 Sam Barbagli, City of Newfield

#5 Peter Miller, Egg Harbor Township

#6 Dawn Stollenwerk, Mullica Township

Mr. Hirsch asked for any questions. No questions were entertained. Mr. Forlenza stated that no additional nominations were filed by the December 7, 2018 deadline.

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Resolution 2018-53

Chair Mahon entertained a motion to adopt resolution 2018-53 authorizing the fund treasurer to transfer $180,145 from the Fund Year 2018 MEL Liability & WC budget line item and $77,439 from the MEL Excess Property line item to the MEL Retrospective account. Motion by Mr. Wahl, second by Ms. Perez, to adopt resolution 2018-53 authorizing the fund treasurer to transfer $180,145 from the Fund Year 2018 MEL Liability & WC budget line item and $77,439 from the MEL Excess Property line item to the MEL Retrospective account as presented.



Motion carried by unanimous vote. WELLNESS DIRECTOR REPORT Ms. Smith noted that Folsom Borough had guest speakers last month; one on email safety and one on staying healthy over the holidays. She stated that Millville had a Wellness Wednesday kickoff that allowed employees to fill out questionnaires and signup sheets for those who wished to participate on the wellness committee. It was a good way to get the wellness ball rolling again. She noted the Sea Isle City had their 2nd annual soup and chili cook off which was wonderful; our own Ms. Seib was among the winners. Buena Borough added wellness into their safety meeting with a presentation on a healthy community and healthy body. Ms. Smith noted that the December newsletter was sent via email and is on the website. She stated that this focuses on getting more from your gym workout. She asked members to share the newsletter. Ms. Smith stated that she sent an email reminding members to use their wellness money. She noted she could assist with these ideas. Ms. Smith asked if there were any questions. No questions were entertained.

EXECUTIVE DIRECTOR’S REPORT Mr. Forlenza reviewed the Executive Director’s Report found in the agenda packet with the membership.

He highlighted the following items from his report:

2017 Safety Incentive Program – Mr. Forlenza noted that the deadline for claiming or encumbering these funds is December 31, 2018 and all encumbered funds have to be claimed by February 1, 2019. He asked members to review the spreadsheets.

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2018 Optional Safety Budget – Mr. Forlenza stated that the deadline for claiming or encumbering these funds is December 31, 2018 and all encumbered funds have to be claimed by February 1, 2019. He asked members to review the spreadsheets. 2018 Wellness Incentive Program – Mr. Forlenza stated that the deadline for claiming or encumbering these funds is December 31, 2018 and all encumbered funds have to be claimed by February 1, 2019. He asked members to review the spreadsheets. 2018 EPL/Cyber Risk Management Budget – Mr. Forlenza stated that the JIF has budgeted $725 per member to help offset employment practices and cyber security related expenses. He reminded members that the deadline for claiming or encumbering these funds is December 31, 2018 and all encumbered funds have to be claimed by February 1, 2019. EPL Helpline, Authorized Contact List - Mr. Forlenza reminded members to review this list and make the necessary changes by resolution (on www.acmjif.org). Please forward executed resolutions to his office. Employee Practices Liability Compliance- Mr. Forlenza asked the members to review the list on page 75, valued as of December 6, 2018. He noted that a revised list valued as of December 12, 2018, indicates that all of the members are in compliance with the program. He asked the members review the co-insurances and deductibles on the list for accuracy. MEL Cyber Risk Management Plan Compliance – Mr. Forlenza asked members to review the list on page 76 for compliance with the MEL Cyber Risk Management program. He stated that the list only shows five members compliant so if you already submitted and are not showing, please follow up with them. Statutory Bonds - Mr. Forlenza stated the listing of bonds issued is attached for your review. He reminded the members with their pending reorganization meetings, it is the employee who is bonded, not the position so changes in bonded positions will require the issuance of a new bond. Elected Officials Training – Mr. Forlenza reported that the invitations for Elected Officials trainings was released in early November. The remaining dates of the trainings are: 1/31/19, 2/6/19 and 3/21/19. Please encourage your Elected Officials to attend for a credit towards your MEL assessment. The December 6, 2108 training was held with good turnout. Please check the JIF website for sign in sheets. MediaPro Training - Mr. Forlenza noted on November 9, 2018 his office sent a request for employee names, titles, and email addresses for the employees needing cyber hygiene training through MediaPro. He stated that eleven (11) members are still outstanding and asked that they respond as soon as possible to Megan Matro in his office. Technology Risk Services – Mr. Forlenza noted that his office will provide Pivot Point with the email addresses the members submit for the cyber hygiene training so these same employees will undergo phishing tests over the next few months. He also reminded the members that his office asked for members IP addresses so as to complete network vulnerability testing. He noted that twenty-six members have still not responded with this information. He asked that the Fund Commissioners please follow up with this information.

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2019 RMC Resolutions and Agreements – Mr. Forlenza reminded the members that once they appoint their RMC, please send over the fully executed agreement and resolution to his office. Payment cannot be made until his office has both the resolution and executed agreement on file. 2018 Annual Report – Mr. Forlenza stated that a copy of the 2018 Annual Reports are at each

member’s place this evening as well as on the JIF website. He asked that they share it with their governing body and staff. 2019 Committee Volunteers – Mr. Forlenza noted that the volunteer request form was emailed on

November 27, 2018, with responses due back by December 14, 2018. In early January, the “draft

pick meeting” will be held so if you wish to help on a particular committee, please return the form with your choice or you will be assigned one. 2019 First Installment Billing - Mr. Forlenza reminded the members that the 2019 first installment bills will be emailed on December 27, 2018, with payment due by February 15, 2019. Mr. Forlenza entertained questions. No questions were entertained.

MEL/RCF REPORTS

Mr. Hirsch noted the next MEL/RCF meeting is January 2, 2019.

SAFETY DIRECTOR'S REPORT

Mr. Garish stated that the Safety Director's Report can be found in the agenda. He highlighted the following items:

Safety Bulletins – Mr. Garish commented that the Leaf Collection Safety bulletin was released in November.

Special Recognition Nominations – Mr. Garish asked for anyone to please submit their nominations for the Special Recognition Awards.

Outstanding SFIs – Mr. Garish reported that reminders for outstanding Suggestions for Improvement (SFI) that are greater than two years old and having a rating of “I” (important) will be going out to the members. He noted that the fourth quarter had no “U” (urgent) ratings.

MSI Training – Mr. Garish stated that a list of training for 2019 is included in the agenda.

2019 Safety Incentive Program – Mr. Garish noted that the 2019 SIP will be sent out in the near future.

TREASURER’S REPORT

November Report Mr. Hansen presented the Treasurer’s Report for the period ending November 30, 2018. The report was made part of the agenda packet for members’ review. Mr. Hansen presented the following information:

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Investment Interest

Interest Income: November

Interest Received from Account Balances

$17,611.39

Coupon Interest Payment $32,312.50

Amortization and/or interest cost $6,445.31

Unrealized Gain or Loss $60,151.69

Misc. $.0

Net Gain/Loss in Interest $116,520.89

Interest Accrual:

November

Beginning Interest Accrual $136,397.96

Change in Accrued Interest - Sept $25,384.36

Ending Interest Accrual $161,782.32

Unrealized Gain/Loss: November

Current Month <$420,983.42>

Prior Month <$360,831.73>

Change in unrealized gain/loss $60,151.69

Investment Balance: November

Beginning of Month $43,926,803.28

End of Month $42,993,400.28

Overall Yield-positive 3.11 %

Portfolio Total Percentage

US Treasury Bills $13,534,239.78 31.48%

US Treasury Bonds & Notes $25,462,440.50 59.22%

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US Government Agencies $3,996,720.00 9.30% Receipt Activity for the Period:

November YTD

Subrogation Receipts $63,810.74 $302,068.45

Adjustment Receipts-other $3,307.48 $25,136.12

CY Assessments $4,174,460.00 $20,117,973.00

Claim Activity for the Period - November

Claim activity for the month for claims paid by the Fund and claims payable by the Fund at November end are in the amount of $1,091,473.98 with a total of 483 checks issued totaling 1,022 claims payments. The claims detail is as follows:

November

Direct Loss Payments $1,091,473.98

Adjustments-void check <$19,511.97>

Adjustments-receipts <3,307.48>

Less Recoveries <$63,860.74>*

Net Total $1,004,793.79 *$50 receipt posted in reports/not received by treasurer. Cash Activity for the Period - November

During the reporting month, the Fund’s “Cash Position” changed from an opening balance of $53,330,922.05 to a closing balance of $56,038,848.34 showing an increase in the Fund of $2,707,926.29. A.E.L.C.F. PARTICIPANT BALANCES

Member 11/30/18 Audited

Hamilton Township $60,456.38

Hammonton Town $125,290.06

Middle Township $100,613.72

Mullica Township $25,930.00

Northfield $56,113.00

Pleasantville City $472.00

Upper Deerfield Township $60,736.55

14


Waterford Township $26,155.04

Upper Township $60,917.68

Stone Harbor $8,798.70

Total $525,483.13

Mr. Hansen noted all 2018 dividend transfer requests are included in the above balances.

Payment Register

Chair Mahon entertained a motion to approve the November 2018 Payment Register (Claims Activity).

Chair Mahon asked if there were any questions at this time. No questions were entertained. Motion by Ms. Perez, seconded by Mr. Wahl to approve the November 2018 Payment Register (Claims Activity) as submitted by Mr. Hansen.




Bill List – December

For the Executive Committee’s consideration, Mr. Hansen presented the December 2018 Bill List in the amount of $1,068,405.13. Chair Mahon asked if there were any questions at this time. No questions were entertained. Chair Mahon entertained a motion for approval of the December 2018 Bill List. Motion by Mr. Goos, seconded by Mr. Wahl, to approve the December 2018 Bill List as presented.




15


Motion to accept Executive Director and Deputy Executive Director Chair Mahon entertained a motion to accept the designation of Paul A. Forlenza as the Executive Director and Bradford W. Hoffman as the Deputy Executive Director under Arthur J. Gallagher’s Contract with the ACM JIF for the remainder of 2018. Motion by Mr. Wahl, seconded by Ms. Picard, to accept the designation of Paul A. Forlenza as the Executive Director and Bradford W. Hoffman as the Deputy Executive Director under Gallagher’s Contract with the ACM JIF for the remainder of 2018 as presented. All in favor. Motion carried. Mr. DeWeese stated that for January’s Reorganization meeting he will prepare a resolution and contract for a 90-day contract for Arthur J. Gallagher for 2019. Motion to Authorize Executive Director to bind EPL/POL Coverage with QBE Insurance Chair Mahon entertained a motion to authorize the Executive Director’s office to bind EPL/POL Coverage with QBE Insurance for the 2019 Fund Year.

Motion by Ms. Perez, seconded by Mr. Goos, to authorize the Executive Director’s office to bind EPL/POL Coverage with QBE Insurance for the 2019 Fund Year as presented. All in favor. Motion carried.

Motion to Authorize Executive Director to bind VDO Coverage with QBE Insurance Chair Mahon entertained a motion to authorize the Executive Director’s office to bind Volunteers Directors and Officers Coverage with QBE Insurance for the 2019 Fund Year.

Motion by Mr. Wahl, seconded by Mr. Goos, to authorize the Executive Director’s office to bind Volunteers Directors and Officers Coverage with QBE Insurance for the 2019 Fund Year as presented. All in favor. Motion carried. Motion to Authorize Executive Director to bind Cyber Coverage with XL Insurance Chair Mahon entertained a motion to authorize the Executive Director’s office to bind Cyber Liability Coverage with XL Insurance for the 2019 Fund Year.

Motion by Mr. Goos, seconded by Ms. Perez, to authorize the Executive Director’s office to bind Cyber Liability Coverage with XL Insurance for the 2019 Fund Year as presented. All in favor. Motion carried.

Resolution 2018-54 to Authorize Release from Upper Township’s AELCF Chair Mahon entertained a motion to adopt resolution 2018-54 authorizing release of surplus from the Township of Upper’s share of the AELCF in the amount of $3,398.17.

Motion by Ms. Perez, seconded by Mr. Goos, to adopt resolution 2018-54 authorizing release of surplus from the Township of Upper’s share of the AELCF in the amount of $3,398.17 as presented.

ROLL CALL Yeas: Scott Wahl, Avalon

Carol Foster, Corbin City

16


Ingrid Perez, Sec, Hamilton Twp Kellie Seib, Sea Isle City Jim Craft, Stone Harbor Jim Goos, City of Ventnor Connie Mahon, Chair, Wildwood Crest



MISCELLANEOUS BUSINESS

Next Meeting

Chair Mahon reminded the members that the Reorganization meeting will be held on Wednesday, January 16, 2019 at 3:00 PM at Atlantic County Library, Mays Landing, NJ.

PUBLIC COMMENT

Open Public Comment

Chair Mahon entertained a motion to open the meeting to the public for comment.

Motion by Ms. Perez, seconded by Mr. Goos, to open the meeting to the public. All in favor. Motion carried.

Mr. Forlenza introduce Brad Hoffman, Arthur J. Gallagher, to the members.

Close Public Comment

Chair Mahon entertained a motion to close the public comment.

Motion by Ms. Perez, seconded by Mr. Wahl, to close the meeting to the public. All in favor. Motion carried.

MOTION TO ADJOURN

Motion by Ms. Perez, seconded by Mr. Goos, to adjourn the December 19, 2018 meeting of the ACM JIF. Motion carried.

The meeting was adjourned at 4:31 PM.

_________________________________ Tracy Forlenza, Recording Secretary for

__________________________________________ Ingrid Perez, Secretary

17

C:\Users\kkristie\Documents\ACM\Agenda, Cover, MIN\Nomination Slate 2019 Revised.doc

Atlantic County Municipal Joint Insurance Fund P.O. Box 488, Marlton, New Jersey 08053 · P: 856-446-9100 · F: 856-446-9149 · www.acmjif.org

2019

NOMINATION SLATE Revised

Chair: Ingrid Perez, Hamilton Township

Secretary: Julie Picard, Lower Township

Executive Committee: #1 Chris Ridings, Borough of West Wildwood

#2 Scott Wahl, Borough of Avalon

#3 Kellie Seib, City of Sea Isle City

#4 James Goos, Ventnor City

#5 James Craft, Borough of Stone Harbor

Alternates: #1 Liz Woods, City of Ocean City

#2 Linda Kent, City of Estell Manor

#3 Kim Krauss, Township of Middle

#4 Sam Barbagli, City of Newfield

#5 Peter Miller, Egg Harbor Township

#6 Dawn Stollenwerk, Mullica Township

#7 Vacant

18

ATLANTIC COUNTY MUNICIPAL JOINT INSURANCE FUND

F:\DATA\Risk\WINWORD\ACMJIF\Resolutions\2019\Reorg.doc

RESOLUTION 2019 - 01

CONFIRMING THE ELECTION OF A CHAIRPERSON AND SECRETARY

BE IT RESOLVED by the Commissioners of the Atlantic County Municipal Joint Insurance Fund that the following persons have been elected as Chairperson and Secretary:

Ingrid Perez, Township of Hamilton, Chair

Julie Picard, Township of Lower, Secretary

BE IT FURTHER RESOLVED that the Chairperson and Secretary shall serve for the Fund Year 2019 and until their successors shall be elected and qualified.

This resolution was duly adopted by the Atlantic County Municipal Joint Insurance Fund at a public meeting held on January 16, 2019.


BY: __________________________________ ATTEST: _____________________________

CHAIRPERSON SECRETARY

DATE: ______________________________

19




CONFIRMING THE ELECTION OF AN EXECUTIVE COMMITTEE AND ALTERNATES FOR FUND YEAR 2019

BE IT RESOLVED, by the Commissioners of the Atlantic County Municipal Joint Insurance Fund that the following individuals are elected to the Executive Committee and as Alternates of the Executive Committee of the Atlantic County Municipal Joint Insurance Fund for the Fund Year 2019 and until their successors shall be appointed and qualified are hereby confirmed:

EXECUTIVE COMMITTEE

Executive Committee Member 1: Chris Ridings, West Wildwood City

Executive Committee Member 2: Scott Wahl, Avalon Borough

Executive Committee Member 3: Kellie Seib, Sea Isle City

Executive Committee Member 4: James Goos, Ventnor City

Executive Committee Member 5: James Craft, Stone Harbor Borough

ALTERNATES

Executive Committee Alternate 1: Elizabeth Woods, Ocean City

Executive Committee Alternate 2: Linda Kent, Estell Manor City

Executive Committee Alternate 3: Kim Krauss, Middle Township

Executive Committee Alternate 4: Sam Barbagli, Newfield Borough

Executive Committee Alternate 5: Peter Miller, Egg Harbor Township

Executive Committee Alternate 6: Dawn Stollenwerk, Mullica Township

Executive Committee Alternate 7: Vacant

This resolution was duly adopted by the Atlantic County Municipal Joint Insurance Fund at

a public meeting held on January 16, 2019.


BY: __________________________________ ATTEST: _____________________________


DATE: ______________________________

20




APPOINTING PROFESSIONAL STAFF

Whereas, the Commissioners of the Atlantic County Municipal Joint Insurance Fund find that it is necessary and appropriate to obtain certain professional and other extraordinary and unspecifiable services pursuant to N.J.S.A. 40A:11-5 et seq.; and

Whereas, it is anticipated that some of these services will exceed $17,500 in cost to the Fund during the 2019 Fund Year; and

Whereas, after careful consideration by the Fund Commissioners of the Atlantic County Municipal Joint Insurance Fund it has been determined to be in the best interest of the Fund to obtain these services following a “non-fair and open” process pursuant to N.J.S.A. 19:44A-20.1 et seq. so as to eliminate the possibility of any of the Fund’s professionals from making reportable contributions to any elected officials in any member town and so as to guarantee the continuity of the Fund’s professionals; many of which have been servicing the Fund since its inception and have directly contributed to its success; and

Whereas, those service providers whose contracts shall exceed $17,500 during the 2019 Fund Year have executed a “Political Contribution Disclosure Form”, “Business Entity Disclosure Certification”, and a “Stockholder Disclosure Certification”, a copy of which is attached to their Professional Service contract, acknowledging their understanding that by accepting this appointment they may be limited pursuant to NJSA 19:44A-20.6 in their ability to make reportable contributions pursuant to NJSA 19:44A-8 or 19:44A-16 as detailed in NJSA 19:44A-20.5

Now, THEREFORE, BE IT RESOLVED by the Commissioners of the Atlantic County Municipal Joint Insurance Fund, assembled in a public session on January 16, 2019, that:

1. Arthur J. Gallagher Risk Management Services, Inc. is hereby appointed as Administrator for an interim term commencing January 1, 2019 and continuing until March 31, 2019 with Paul A. Forlenza serving as the Executive Director and Bradford W. Hoffman serving as the Deputy Executive Director.

2. Arthur J. Gallagher Risk Management Services, Inc. is hereby appointed as the Producer for EPL/POL, Volunteer’s Directors and Officers, and Cyber Liability coverage for a term commencing January 1, 2019 and continuing until March 31, 2019.

3. Conner Strong & Buckelew Insurance are hereby appointed as the Producer for EPL/POL, Volunteer’s Directors and Officers, and Cyber Liability coverage for a term commencing January 1, 2019 and continuing until December 31, 2019 or until the next Reorganization of the Fund.

4. The DeWeese Law Firm, P.C., with David S. DeWeese, Esquire, Attorney at Law of the State of New Jersey, as the designated attorney, is hereby appointed as the Fund’s Attorney for a term commencing January 1, 2019, and continuing until December 31, 2019 or until the next Reorganization of the Fund; and

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5. The DeWeese Law Firm, P.C., with David S. DeWeese, Esquire, Attorney at Law of the State of New Jersey, as the designated attorney, is hereby appointed as the Fund’s Subrogation Attorney for a term commencing January 1, 2019, and continuing until December 31, 2019 or until the next Reorganization of the Fund.

6. David S. DeWeese, Esquire, Attorney at Law of the State of New Jersey, is hereby appointed as the Fund’s EPL/POL Attorney for a term commencing January 1, 2019 and continuing until December 31, 2019 or until the next Reorganization of the Fund.

7. John Hansen is hereby appointed as Treasurer for a term commencing January 1, 2019, and continuing until December 31, 2019 or until the next Reorganization of the Fund.

8. The Actuarial Advantage, Inc., with Kyle Mrotek, FCAS as its designated representative, is hereby appointed as Actuary for a term commencing January 1, 2019, and continuing until December 31, 2019 or until the next Reorganization of the Fund.

9. Public Entity Risk Management Administration, Inc. [PERMA], a Division of Conner Strong & Buckelew Insurance Companies, Inc., with David N. Grubb as its designated representative, is hereby appointed as Administrative Consultant for a term commencing January 1, 2019, and continuing until December 31, 2019 or until the next Reorganization of the Fund.

10. Qual-Lynx, with Chris Roselli as its designated claims Account Manager and Alice Lihou as its designated representative, is hereby appointed as Claims Administrator for General Liability, Automobile Liability, Workers’ Compensation and Property claims and Claims Advocate for EPL/POL coverage for a term commencing January 1, 2019 and continuing until December 31, 2019 or until the next Reorganization of the Fund.

11. QualCare, Inc., with Karen Beatty as its designated client services manager and Steve McNamara as its designated representative, is hereby appointed as the Managed Care and Network Provider for a term commencing January 1, 2019 and continuing until December 31, 2019.

12. J. A. Montgomery, a Division of Conner Strong & Buckelew Companies, with Keith Hummel as the Safety Director and Robert Garish and Robert Holwitt as its designated Loss Control Representative, is hereby appointed for a term commencing January 1, 2019, and continuing until December 31, 2019 or until the next Reorganization of the Fund.

13. AssetWORKS, with Melvin Ngayan as its designated representative, is hereby appointed as Property Appraiser for a term commencing January 1, 2019, and continuing until December 31, 2019 or until the next Reorganization of the Fund.

14. Joyce Media, with George E. Joyce, III as its designated representative, is hereby appointed as Website Host and Designer for a term commencing January 1, 2019, and continuing until December 31, 2019 or until the next Reorganization of the Fund.

22



15. Iron Mountain is hereby appointed as Record Retention Service for a term commencing January 1, 2019, and continuing until December 31, 2019 or until the next Reorganization of the Fund.

16. Bowman & Company, with James Miles as its designated representative, is hereby appointed as Payroll Auditor for a term commencing January 1, 2019, and continuing until December 31, 2019 or until the next Reorganization of the Fund.

17. Bowman & Company, with James Miles as its designated representative, is hereby appointed as Fund Auditor for a term commencing January 1, 2019, and continuing until June 30, 2020 or until the next Reorganization of the Fund.

18. Conner Strong & Buckelew Insurance, Inc., with Terrance Tracy as its corporate representative and Edward Cooney as its designated representative, is hereby appointed as Underwriting Manager for a term commencing January 1, 2019, and continuing until December 31, 2019 or until the next Reorganization of the Fund.

19. Tracy Forlenza is hereby appointed as Recording Secretary for a term commencing January 1, 2019, and continuing until December 31, 2019 or until the next Reorganization of the Fund.

20. Investors Bank, with Joseph Sette as its designated representative, is hereby appointed as Banking Depository for the Atlantic County Municipal Joint Insurance Fund for a term commencing January 1, 2019, and continuing until December 31, 2019 or until the next Reorganization of the Fund.

21. Wilmington Trust, with Fernando Garip as its designated representative, is hereby appointed as Asset Manager for the Atlantic County Municipal Joint Insurance Fund for a term commencing January 1, 2019, and continuing until December 31, 2019 or until the next Reorganization of the Fund.

22. M & T Bank, with Mary Alice Avery as its designated representative, is hereby appointed as Banking Depository for the Atlantic County Municipal Joint Insurance Fund for a term commencing January 1, 2019, and continuing until December 31, 2019 or until the next Reorganization of the Fund

23. Valerie Smith is hereby appointed as Wellness Director for a term commencing January 1, 2019, and continuing until December 31, 2019 or until the next Reorganization of the Fund

Be It Further Resolved that the Commissioners of the Atlantic County Municipal Joint Insurance Fund find and determine that the appointments herein specified require either professional services for which the individuals designated are licensed to practice a profession or for extraordinary and unspecifiable services that cannot be adequately described in specifications that would make solicitation of bids for those services meaningful or advisable; and

Be It Further Resolved that the compensation for the services shall be in accordance with the amounts budgeted for the specific services and subject to contracts hereby authorized and approved by the Commissioners of the Atlantic County Municipal Joint Insurance Fund; and

23



Be It Further Resolved that the respective committees responsible for oversight of the various vendors have reviewed and approved the renewal fees and scope of services for each contract and such approvals are recorded in the minutes of the respective committee meetings.

Be It Further Resolved that the Chairperson and Secretary of the Atlantic County Municipal Joint Insurance Fund are hereby authorized to execute Agreements with the individuals, partnerships and corporations hereby appointed for the performance of professional or for extraordinary and unspecifiable services providing for compensation within the amounts budgeted for those services, as follows:

1. Arthur J. Gallagher Risk Management Services, Inc. is hereby appointed as Administrator for an interim term commencing January 1, 2019 and continuing until March 31, 2019 with Paul A. Forlenza serving as the Executive Director and Bradford W. Hoffman serving as the Deputy Executive Director and shall be compensated in the amount of $223,635.00 for said interim term.

2. The DeWeese Law Firm, P.C, with David S. DeWeese, Esquire, Attorney at Law of the State of New Jersey, as the Fund Attorney for a term commencing January 1, 2019, and continuing until December 31, 2019, shall be compensated in an amount not to exceed $127,297.00 as set forth specifically in the Agreement.

3. The DeWeese Law Firm, P.C., with David S. DeWeese, Esquire, Attorney at Law of the State of New Jersey is hereby appointed as the Subrogation Attorney for a term commencing January 1, 2019, and continuing until December 31, 2019, shall be compensated on the basis of the rate schedule as set forth specifically in the Agreement.

4. David S. DeWeese, Esquire, Attorney at Law of the State of New Jersey, is hereby appointed as the Fund’s EPL/POL Attorney for a term commencing January 1, 2019 and continuing until December 31, 2019, shall be compensated on the basis of the rate schedule as set forth specifically in the Agreement.

5. John Hansen is hereby appointed as Treasurer for a term commencing January 1, 2019, and continuing until December 31, 2019, shall be compensated in the amount of $24,033.00 as set forth specifically in the Agreement.

6. The Actuarial Advantage, Inc. with Kyle Mrotek, FCAS, as its designated representative, as Actuary for a term commencing January 1, 2019, and continuing until December 31, 2019, shall be compensated on the basis of an hourly fee schedule attached to the Agreement, but not to exceed $47,510.00, without the specific approval of the Commissioners, as set forth specifically in the Agreement.

7. Public Entity Risk Management Administration, Inc. [PERMA], a Division of Conner Strong & Buckelew Insurance Companies, with David Grubb as its designated representative, as Administrative Consultant for a term commencing January 1, 2019, and continuing until December 31, 2019, shall be compensated in the amount of $43,188.00 as set forth specifically in the Agreement.

24



8. Qual-Lynx, with Chris Roselli as its designated claims Account Manager and Alice Lihou as its designated representative, as Claims Administrator for General Liability, Workers’ Compensation, Property, and Claims Advocate for EPL/POL coverage for a term commencing January 1, 2019, and continuing until December 31, 2019, shall be compensated on the basis of the rate schedule as set forth specifically in the Agreement, with a minimum fee of $775,238.00 but not to exceed $824,774.00 as Claims Administrator for General Liability, Workers’ Compensation, and Property claims and $10,000.00 for their role as Claims Advocate for EPL/POL claims, without the specific approval of the Commissioners, as set forth specifically in the Agreement.

9. QualCare, Inc., with Karen Beatty as its designated client services manager and Steve McNamara as its designated representative, is hereby appointed as the Managed Care and Network Provider for a term commencing January 1, 2019, and continuing until December 31, 2019, with an allocated file fee of $495.00 per file on the basis of the rate schedule as set forth specifically in the Agreement.

10. J. A. Montgomery, a Division of Conner Strong & Buckelew Insurance Companies, with Keith Hummel as the Safety Director and Robert Garish and Robert Holwitt as the loss control representative commencing January 1, 2019, and continuing until December 31, 2019, shall be compensated in the amount of $216,073.00 as set forth specifically in the Agreement.

11. AssetWORKS, with Melvin Ngayan as its designated representative, is hereby appointed as Property Appraiser for a term commencing January 1, 2019, and continuing until December 31, 2019, shall be compensated with a fee of $26,829.00 based upon anticipated building counts for calendar year 2019, as set forth specifically in the Agreement.

12. Joyce Media, with George E. Joyce, III as its designated representative, is hereby appointed as Website Host and Designer for a term commencing January 1, 2019, and continuing until December 31, 2019, shall be compensated in the amount of $4,500.00 as set forth specifically in the Agreement.

13. Iron Mountain is hereby appointed as Record Retention Service for a term commencing January 1, 2019, and continuing until December 31, 2019, shall be compensated on the basis of the rate schedule as set forth specifically in the Agreement.

14. Bowman & Company with James Miles as its designated representative, is hereby appointed as Payroll Auditor for a term commencing January 1, 2019, and continuing until December 31, 2019, shall be compensated on the basis of a fee schedule attached to the Agreement, but not to exceed $16,712.00 without the specific approval of the Commissioners, as set forth specifically in the Agreement.

15. Bowman & Company, with James Miles as its designated representative, is hereby appointed as Fund Auditor for a term commencing January 1, 2019, and continuing until June 30, 2020, shall be compensated on the basis of a fee schedule attached to the Agreement, but not to exceed $19,394.00 for the completion of the Audit of the December 31, 2019 Financial Statements without the specific approval of the Commissioners, as set forth specifically in the Agreement.

25



16. Conner Strong & Buckelew Insurance, with Terrance Tracy as its corporate representative and Edward Cooney as its designated representative, is hereby appointed as Underwriting Manager for the Atlantic County Municipal Joint Insurance Fund for a term commencing January 1, 2019, and continuing until December 31, 2019, shall be compensated in the amount of $12,011.00 as set forth specifically in the Agreement.

17. Tracy Forlenza is hereby appointed as Recording Secretary for a term commencing January 1, 2019, and continuing until December 31, 2019, shall be compensated in the amount of $6,328.00 as set forth specifically in the Agreement.

18. Investors Bank, with Joseph Sette as its designated representative, is hereby appointed as Banking Depository for the Atlantic County Municipal Joint Insurance Fund for a term commencing January 1, 2019, and continuing until December 31, 2019, on the basis of the rate schedule as set forth specifically in the Agreement.

19. M & T Bank, with Mary Alice Avery as its designated representative, is hereby appointed as Banking Depository for the Atlantic County Municipal Joint Insurance Fund for a term commencing January 1, 2019, and continuing until December 31, 2019, on the basis of the rate schedule as set forth specifically in the Agreement.

20. Wilmington Trust, with Fernando Garip as its designated representative, is hereby appointed as Asset Manager for the Atlantic County Municipal Joint Insurance Fund for a term commencing January 1, 2019, and continuing until December 31, 2019, on the basis of the rate schedule as set forth specifically in the Agreement.

21. Valerie Smith is hereby appointed as Wellness Director for a term commencing January 1, 2019, and continuing until December 31, 2019, shall be compensated in the amount of $63,563.00 as set forth specifically in the Agreement

Be It Further Resolved that all of the Agreements set forth above are subject to specific approval by the Commissioners of the Atlantic County Municipal Joint Insurance Fund, and

Be It Further Resolved that notice of the appointments and the Agreements for professional or for extraordinary and unspecifiable services shall be published as required by law, and

Be It Further Resolved that copies of this Resolution shall be provided to the Treasurer of the Atlantic County Municipal Joint Insurance Fund and those so appointed for their information and attention.



BY: __________________________________ ATTEST: _____________________________


DATE: ______________________________

26


A RESOLUTION AWARDING CONTRACTS TO ASSIGNED DEFENSE COUNSEL AND APPROVED ASSOCIATES.

WHEREAS, the Atlantic County Municipal Joint Insurance Fund (ACMJIF) has been organized pursuant to N.J.S.A. 40A:10-36 et. seq.; and

WHEREAS, the Fund Commissioners of the Atlantic County Municipal Joint Insurance Fund find that it is necessary and appropriate to obtain certain legal services so that the claims filed against the member municipalities of the Atlantic County Municipal Joint Insurance Fund and for which the Atlantic County Municipal Joint Insurance Fund is obligated to provide a legal defense may be properly defended; and

WHEREAS, the ACMJIF, under the "Fair and Open" process, advertised a Request for Qualifications (RFQ) for three (3) one (1) year Contracts for Assigned Defense Counsel, and the responses to the RFQ were to be submitted to the Administrator/Executive Director's Office by September 28, 2018; and

WHEREAS, the ACMJIF received eighteen (18) timely responses to the General Liability RFQ and all of those responses were referred to the ACMJIF Claims Review Committee for evaluation. One (1) response was received from Louis Cappelli, Jr. Esquire of Florio Perrucci Steinhardt & Cappelli, LLC after the deadline of September 28, 2018 at 11:00 AM and was not considered; and

WHEREAS, nine (9) responses to the Workers' Compensation RFQ and all responses were referred to the ACMJIF Claims Review Committee for evaluation; and

WHEREAS, the ACMJIF Claims Review Committee reviewed and evaluated all of the responses that were received to the RFQ, and after each member of the Committee individually completed the evaluation process, the scores were tallied and the Claims Review Committee discussed the responses and determined that certain firms were recommended to be awarded Contracts for 2019; and

WHEREAS, those recommendations were presented to the Executive Committee of the ACMJIF at their regular meeting on January 16, 2018, and through this Resolution, the Executive Committee is awarding Contracts in accordance with the recommendations of the Claims Review Committee; and

NOW, THEREFORE, BE IT RESOLVED, by the Commissioners of the Atlantic County Municipal Joint Insurance Fund assembled in a public session on January 16, 2019, that the following Law Firms and Attorneys are hereby designated as Assigned Defense Counsel and Approved Associates for the Atlantic County Municipal Joint Insurance Fund and each firm shall be awarded a Contract for 2019 under the "Fair and Open" process:

27

General Liability Claims:

1. Barker, Gelfand & James, P.C. with A. Michael Barker, Esquire, Todd J. Gelfand, Esquire, Vanessa E. James, Esquire and Jeffrey Sarvas, Esquire as Assigned Defense Counsel at a rate of $165.00 per hour of attorney time; Greg DiLorenzo, Esquire and William T. Rozell, Esquire as Approved Associates at a rate of $135.00 per hour of attorney time; and a Paralegal rate of $75.00 per hour.

2. The Law Offices Thomas G. Smith, P.C. with Thomas G. Smith, Esquire as Assigned Defense Counsel at a rate of $165.00 per hour of attorney time; and a Paralegal rate of $75.00 per hour.

3. Birchmeier & Powell, LLC with James R. Birchmeier, Esquire, Erin R. Thompson, Esquire and Edward N. Romanik, Esquire as Assigned Defense Counsel at a rate of $165.00 per hour of attorney time; and a Paralegal rate of $75.00 per hour.

4. Gemmel, Todd & Merenich, P.A. with Molly Todd Merenich, Esquire and Robert Merenich, Esquire, as Assigned Defense Counsel at a rate of $165.00 per hour of attorney time and a Paralegal rate of $75.00 per hour.

5. Youngblood, Franklin, Sampoli & Coombs, P.A. with L. Patricia Sampoli, Esquire and Jorge F. Coombs, Esquire as Assigned Defense Counsel at a rate of $165.00 per hour of attorney time and a Paralegal rate of $75.00 per hour.

6. Reynolds & Horn, P.C. with Thomas B. Reynolds, Esquire and Steven M. Horn, Esquire as Assigned Defense Counsel at a rate of $165.00 per hour of attorney time; and a Paralegal rate of $75.00 per hour.

7. Madden & Madden, P.A. with Michael P. Madden, Esquire, Patrick Joseph Madden, Esquire, John-Paul Madden, Esquire, Matthew Madden, Esquire, Timothy R. Bieg, Esquire, Michael V. Madden, Esquire as Assigned Defense Counsel at a rate of $165.00 per hour of attorney time; Regina M. Phillips, Esquire and Mark W. Strasle, Esquire as Approved Associates at a rate of $135.00 per hour of attorney time; and a Paralegal rate of $75.00 per hour.

8. Craig Annin Baxter LLP with Robert A. Baxter, Esquire, Timothy E. Annin, Esquire, John C. Grady, Esquire, Jeffrey S. Craig, Esquire and Paul D. Kelly, Esquire as Assigned Defense Counsel at a rate of $165.00 per hour of attorney time; and a Paralegal rate of $75.00 per hour.

28

Workers' Compensation Claims:

1. Pietras, Saracino, Smith & Meeks, LLP, with James G. Pietras, Esquire; Christopher J. Saracino, Esquire, Benjamin F. Smith, Esquire, Jody L. Meeks, Esquire and Joseph A. Vastano, Jr., Esquire as Assigned Defense Counsel at a rate of $140.00 per hour of attorney time; a Paralegal rate of $75.00 per hour; a maximum of $70.00 per court appearance; and $115.00 per hour for Occupational cases.

2. Affanato Marut, LLC with Michael S. Affanato, Esquire and Michelle K. Marut, Esquire as Assigned Defense Counsel at a rate of $140.00 per hour of attorney time; Elizabeth Tomasso Mosteller, Esquire and Megan C. Davis, Esquire as Approved Associates at a rate of $115.00 per hour of attorney time; a Paralegal rate of $75.00 per hour; a maximum of $70.00 per court appearance; and $115.00 per hour for Occupational cases.

Note that the above rates include all reasonable office expenses (e.g.) postage, faxes, telephone, copies, etc., and in conformance with the Litigation Management Guidelines.

BE IT FURTHER RESOLVED that assignment of specific claims for defense of General Liability and Workers' Compensation claims shall be made by the Fund Solicitor and Claims Administrator for the Atlantic County Municipal Joint Insurance Fund, and they shall supervise and coordinate the defense of these matters in accordance with the Litigation Management Guidelines of the Atlantic County Municipal Joint Insurance Fund.

BE IT FURTHER RESOLVED that the assignment of cases for defense made in accordance with prior Resolutions of the Atlantic County Municipal Joint Insurance Funds shall continue with the Assigned Defense Counsel so assigned, subject to the authorization of the Fund Solicitor for the Atlantic County Municipal Joint Insurance Fund to supervise the defense of these matters and to reassign the defense matters where appropriate.

BE IT FURTHER RESOLVED that the rates of compensation in the Litigation Management Guidelines of the Atlantic County Municipal Joint Insurance Fund are hereby amended to comply with the rates set forth in this Resolution.

BE IT FURTHER RESOLVED that this contract is being awarded following a "Fair and Open" process pursuant to NJSA 19:44A-20.1 et. seq.

BE IT FURTHER RESOLVED that the Fund Chairman and Secretary are hereby authorized to execute the Contracts with the Assigned Defense Counsel Law Firms to provide Legal Services to the Fund.

BE IT FURTHER RESOLVED that the copies of this Resolution shall be provided to the Executive Director, Fund Solicitor, and Claims Administrator of the Atlantic County Municipal Joint Insurance Fund and those herein appointed for their information and attention.

29

This Resolution was duly adopted by the Atlantic County Municipal Joint Insurance Fund at a public meeting held on January 16, 2019.


By: _____________________________ Attest: ______________________________


Dated: January 16, 2019

30




A RESOLUTION RECOMMENDING THE EMPLOYMENT PRACTICES LIABILITY AND PUBLIC OFFICIALS LIABILITY DEFENSE PANEL

WHEREAS, the Atlantic County Municipal Joint Insurance Fund (ACMJIF) has been organized pursuant to N.J.S.A. 40A:10-36 et. seq.; and

WHEREAS, the Fund Commissioners of the Atlantic County Municipal Joint Insurance Fund find that it is necessary and appropriate to recommend to the Fund's Employment Practice Liability and Public Officials Liability (EPL/POL) insurance carrier for 2019, QBE Insurance and their Claims Supervisor, Summit Risk, certain law firms and defense attorneys to handle the defense of the EPL/POL claims filed against the member municipalities of the Atlantic County Municipal Joint Insurance Fund; and

WHEREAS, the ACMJIF EPL/POL Committee and the Fund Solicitor have reviewed the performance of the law firms and defense attorneys who have handled the EPL/POL claims that were filed against the member municipalities of the ACMJIF in prior years, and they have determined that those firms should continue to be assigned to handle the defense of the EPL/POL matters on behalf of the ACMJIF member municipalities; and

WHEREAS, those recommendations were presented to the Executive Committee of the ACMJIF at their regular meeting on January 16, 2019, and the Executive Committee has determined that it is appropriate to adopt a Resolution memorializing those recommendations.

NOW, THEREFORE, BE IT RESOLVED, by the Commissioners of the Atlantic County Municipal Joint Insurance Fund assembled in a public session on January 16, 2019, that the following Law Firms and Attorneys are hereby recommended to the EPL/POL insurance carrier, QBE Insurance and their Claims Supervisor, Summit Risk, to handle the defense of the EPL/POL claims filed against the member municipalities of the Atlantic County Municipal Joint Insurance Fund:

Employment Practices Liability/Public Officials Liability Claims:

1. A. Michael Barker, Esquire of the Law Firm of Barker, Scott, Gelfand & James.

2. James R. Birchmeier, Esquire of the Law Firm of Birchmeier & Powell, LLC.

3. Michael P. Madden, Esquire of the Law Firm of Madden & Madden. P.A.

4. Robert A. Baxter, Esquire of the Law Firm of Craig, Annin & Baxter, LLP.

5. Armando V. Riccio, Esquire of Armando V. Riccio, LLC.

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BE IT FURTHER RESOLVED that Assigned Defense Counsel shall be compensated in accordance with Professional Defense Counsel Guidelines for the Employment Practices Liability/Public Officials Liability Carrier, QBE Insurance for the ACMJIF members which are currently at a rate of $160.00 per hour of attorney time; an Approved Associate at a rate of $140.00 per hour of attorney time and a Paralegal rate of $75.00 per hour.

BE IT FURTHER RESOLVED that the recommendation of the assignment of specific EPL/POL claims for defense shall be made by the Fund Solicitor to the EPL/POL insurance carrier, QBE Insurance and their Claims Administrator, Summit Risk, and the Fund Solicitor for the Atlantic County Municipal Joint Insurance Fund shall serve as the liaison for the defense of these matters and shall report to the ACMJIF EPL/POL Committee as to the status of all pending matters.

BE IT FURTHER RESOLVED that the copies of this Resolution shall be provided to the QBE Insurance, Summit Risk, the Executive Director, the Fund Solicitor, and the Claims Administrator of the Atlantic County Municipal Joint Insurance Fund and those herein recommended for their information and attention.

This Resolution was duly adopted by the Atlantic County Municipal Joint Insurance Fund at a public meeting held on January 16, 2019.


By: _____________________________ Attest: ______________________________


Date: ____________________

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APPOINTING LOUIS J. GRECO, ESQUIRE AS CONFLICT SOLICITOR

Whereas, the Atlantic County Municipal Joint Insurance Fund has been organized pursuant to N.J.S.A. 40A:10-36 et seq.; and

Whereas, the Atlantic County Municipal Joint Insurance Fund is duly constituted as a Municipal Self Insurance Fund and is subject to certain requirements of the Local Public Contracts Law; and

Whereas, the Commissioners of the Atlantic County Municipal Joint Insurance Fund find that it is necessary and appropriate to appoint a Conflict Solicitor in the event the Fund solicitor must disqualify himself in connection with any matter as a result of a conflict of interest; and

Now, Therefore, Be It Resolved, by the Commissioners of the Atlantic County Municipal Joint Insurance Fund assembled in a public session on January 16, 2019, that Louis J. Greco, Esquire, is hereby appointed as the Conflict Solicitor; and

Be It Further Resolved, that the Commissioners of the Atlantic County Municipal Joint Insurance Fund find and determine that the appointment herein specified requires either professional services for which the individual designated is licensed to practice a profession or for extraordinary and unspecifiable services that cannot be adequately described in specifications that would make solicitations of bids for those services meaningful or advisable; and

Be It Further Resolved, that assignment of specific claims for defence shall be made by the Conflict Solicitor only when the Fund Solicitor has a conflict of interest; and

Be It Further Resolved, that the Conflict Solicitor shall supervise and coordinate the defence of specific claims matters in cooperation with the Claims Administrator and in accordance with the policies determined by the Atlantic County Municipal Joint Insurance Fund; and

Be It Further Resolved, that the hourly rate for conflict files shall be one-hundred and forty dollars ($140.00) per hour and that such amounts shall include all ordinary and routine copying and telephone expenses of the firm rendering services; and

Be It Further Resolved, that the Commissioners of the Atlantic County Municipal Joint Insurance Fund retain the right to disapprove any and all charges of the Conflict Attorney’s submitted legal bills if the Commissioners find the fee is unwarranted; and

Be It Further Resolved, that copies of this Resolution shall be provided to the Administrator, Solicitor, and Claims Administrator and Conflict Solicitor of the Atlantic County Municipal Joint Insurance Fund and those herein appointed for their information and attention, and

Be It Further Resolved, that notice of this appointment for professional or extraordinary and unspecifiable services shall be published as required by law.

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BY: __________________________________ ATTEST: _____________________________


DATE: ______________________________

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ADOPTING CASH AND INVESTMENT POLICY

Whereas, the Atlantic County Municipal Joint Insurance Fund has been organized pursuant to NJSA. 40A:10-36 et seq., and

Whereas, the Executive Committee of the Atlantic County Municipal Joint Insurance Fund has determined that it is advantageous for the Fund to establish an investment program which more closely matches investment maturities to cash requirement projections; and

Whereas, in order to accomplish these objectives, the services of a professional asset manager need to be procured;

Now, THEREFORE, BE IT RESOLVED, that the following Cash and Investment policy be adopted:

I. Cash Management and Investment Objectives

The Atlantic County Municipal Joint Insurance Fund’s (hereinafter referred to as JIF) objectives in this area are:

a.) Preservation of capital.

b.) Adequate safekeeping of assets.

c.) Maintenance of liquidity to meet operating needs, claims settlements and dividends.

d.) Diversification of the JIF’s portfolio to minimize risks associated with individual investments.

e.) Maximization of total return, consistent with risk levels specified herein.

f.) Investment of assets in accordance with State and Federal Laws and Regulations.

g.) Accurate and timely reporting of interest earnings, gains and losses by line of coverage in each Fund year.

h.) Where legally permissible, cooperation with other local municipal joint insurance funds, and the New Jersey Division of Investment in the planning and execution of investments in order to achieve economies of scale.

i.) Stability in the value of the JIF’s economic surplus.

II. Permissible Investments

a.) Bonds or other obligations of the Unites State of America or obligations guaranteed by the United States of America, including securities of, or other interests in, any open-end or closed-end management type investment company or investment trust registered under the “Investment Company Act of 1640”, 54 Stat.

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847 (15 U.S.C. §80a-1 et seq.), purchased and redeemed only through the use of national or state banks located within this state, if the portfolio of that investment company or investment trust is limited to bonds or other obligations of the United States of America, bonds or other obligations guaranteed by the United States of America and repurchase agreements fully collateralized by bonds or other obligations guaranteed by the United States of America, which collateral shall be delivered to or held by the investment company or investment trust, either directly or through an authorized custodian;

b.) Bonds of any Federal Intermediate Credit Bank, Federal Home Loan Bank, Federal Land Bank, Federal National Mortgage Associates or of any United States Bank for Cooperatives which have a maturity date not greater than twelve (12) months from the date of purchase;

c.) Bonds or other obligations of the local unit or bonds or other obligations of school districts of which the local unit is a part or within which the school district is located; or

d.) Bonds or other obligations, having a maturity date of not more than twelve (12) months from the date of purchase, approved by the Division of Investment of the Department of Treasury for investment by local units.

e.) Debt obligations of federal agencies or government corporations with maturities not greater than ten (10) years from the date of purchase, excluding mortgage backed obligations, providing that such investments are purchased through the New Jersey Division of Investment and are consistent with the Division’s own investment guidelines and provided that the investment is of a fixed rate of interest not dependent on any index of external factors.

No investment or deposit shall have a maturity longer than ten (10) years from the date of purchase.

III. Authorized Depositories

In addition to the above, the JIF is authorized to deposit funds in certificates of deposit and other time deposits in banks covered by the Governmental Unit Depository Protection Act, NJSA 16:9-14 et seq. (GUDPA)

The JIF is also authorized to invest its assets in the New Jersey Cash Management Fund.

IV. Authority for Investment Management

The Treasurer is authorized and directed to make investments, with a maturity of three months or longer, through asset managers which may be selected by the Executive Board. Such asset managers shall be discretionary trustees of the JIF.

Their actions and decisions shall be consistent with this plan and all appropriate regulatory constraints.

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In executing investments, asset managers shall minimize transaction costs by querying prices from at least three (3) dealers and purchasing securities on a competitive basis. When possible, federal securities shall be purchased directly from the US Treasury.

Transactions shall not be processed through brokerages which are organizationally affiliated with the asset manager. Transactions may also be processed through the New Jersey Division of Investment by the Fund’s asset managers.

V. Preservation of Capital

Securities shall be purchased with the ability to hold until maturity.

VI. Safekeeping

Securities purchased on behalf of the JIF shall be delivered electronically or physically to the JIF’s custodial bank, which shall maintain custodial and/or safekeeping accounts for such securities on behalf of the JIF.

VII. Selection of Asset Managers, Custodial Banks and Operating Banks

Asset managers, custodial banks and operating banks shall be retained for contract periods of one (1) year. Additionally, the JIF shall maintain the ability to change asset managers and/or custodial banks more frequently based upon performance appraisals and upon reasonable notice, and based upon changes in policy or procedures.

VIII. Reporting

Asset managers will submit written statements describing the proposed investment strategy for achieving the objectives identified herein. Asset managers shall also submit revisions to strategy when justified as a result of changing market conditions or other factors. Such statements shall be provided to the Treasurer and Executive Director.

Asset managers and the custodial bank shall provide such other reports and documentation as has been specified by the MEL. The asset manager shall provide such other reports as may be requested from time to time by the Treasurer and Executive Director. The Treasurer shall report to the Executive Board at monthly meetings on all investments as required by law.

The asset manager shall provide the Treasurer with a copy of the institution’s annual National Association of Security Dealers’ audit.

IX. Audit

This plan, and all matters pertaining to the implementation of it, shall be subject to the JIF’s Annual Audit.

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X. Cash Flow Projections

Asset management decisions shall be guided by cash flow factors prepared by the JIF’s Actuary and reviewed by the Executive Director and the Treasurer.

XI. Cash Management

All monies turned over to the Treasurer shall be deposited within forty-eight (48) hours in accordance with NJSA 40A:5-15.

In the event a check is made payable to the Treasurer rather than the Fund, the following procedure is to be followed:

a.) The Treasurer endorses the check to the Fund and deposits it into the Fund account.

b.) The Treasurer notifies the payer and requests that in the future any check be made payable to the Fund.

The Treasurer shall minimize the possibility of idle cash accumulating in accounts by assuring that all accounts in excess of negotiated compensating balances are kept in interest bearing accounts or promptly swept into the investment portfolio.

The method of calculating banking fees and compensating balances shall be documented to the Executive Board at least annually.

Cash may be withdrawn from investment pools under the discretion of asset managers only to fund operations, claims imprest accounts or approved dividend payments.

The Treasurer shall escheat to the State of New Jersey checks which remain outstanding for twelve or more months after the date of issuance. However, prior to implementing such procedures, the Treasurer, with the assistance of the claims agent, as needed, shall confirm that the outstanding check continues to represent a valid claim against the Fund.

XII. Cooperation with Affiliated Joint Insurance Funds (JIFs)

Where legally permissible, the JIF is authorized to participate in master investment trusts or other cooperative arrangements with other municipal joint insurance funds. Such arrangements must meet minimum standards contained herein, and must be approved by the Executive Board.

Be It Further Resolved, that copies of this Resolution shall be provided, within seven (7) days of its adoption, to the Treasurer, Administrative Consultant, Asset Manager, Auditor, and Administrator of the Atlantic County Municipal Joint Insurance Fund for their information and attention.

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BY: __________________________________ ATTEST: _____________________________


DATE: ______________________________

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ADOPTING PROCEDURES IN COMPLIANCE WITH THE OPEN PUBLIC MEETINGS ACT

Whereas, the Atlantic County Municipal Joint Insurance Fund is duly constituted as a Municipal Self Insurance Fund and is subject to certain requirements of the Open Public Meetings Act, NJSA 10:4-6, et seq., and

Whereas, the participating Municipalities have made their respective designations of Commissioners who will collectively serve as the Governing Body of the Atlantic County Municipal Joint Insurance Fund, and

Whereas, the Open Public Meetings Act provides that upon the adoption by a public body of a schedule of meetings to be held during the calendar year that no further notice of those meetings will be necessary, and

Whereas, it is necessary for the Commissioners of the Atlantic County Municipal Joint Insurance Fund to make certain other administrative and organizational determinations for the proper operation of the Atlantic County Municipal Joint Insurance Fund,

Now, THEREFORE, BE IT RESOLVED by the Commissioners of the Atlantic County Municipal Joint Insurance Fund, assembled in public session on this 16th day of January, 2019, that:

1. The Atlantic County Municipal Joint Insurance Fund hereby designates the third Wednesday of each month specifically:

January 16, 2019 July 17, 2019 February 20, 2019 No August Meeting March 20, 2019 September 18, 2019 April 17, 2019 October 16, 2019 May 15, 2019 November 20, 2019 June 19, 2019 December 18, 2019 January 15, 2020

as the date of its regular meetings unless otherwise noted and the meeting of January 15, 2020, shall serve as the 2020 Reorganization Meeting. The meetings for the months of January, February, March, April, May, October, November, and December will begin at 3:00 PM and will be held at the Atlantic County Library, Mays Landing Branch, 40 Farragut Avenue, Mays Landing, NJ. The June, July, and September meetings will begin at 3:00 PM and be held at the Avalon Community Center, 3001 Avalon Avenue, Avalon, NJ.

2. A copy of all advance notices of special meetings of the Atlantic County Municipal Joint Insurance Fund shall be provided in accordance with the Open Public Meetings Act to the newspaper designated in this Resolution; be filed with the Clerk of each of the municipalities which are members of the Atlantic County Municipal Joint Insurance Fund and be posted in the municipal buildings of each of the member municipalities in the same manner as notices of other public meetings are posted.

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3. Any person may request, in writing, that the Atlantic County Municipal Joint Insurance Fund mail to him or her a copy of the schedule of meetings and/or advance written notice of regular, special or re-scheduled meetings of the Atlantic County Municipal Joint Insurance Fund. Upon prepayment by such person of the applicable fee set forth in this Resolution, the schedule and/or advance notice shall be mailed to that person. All requests made pursuant to this paragraph shall terminate at midnight, December 31st of the current year, subject to renewal thereafter upon filing of a new written request to the Board together with the prepayment of the applicable fee. Notices requested by new media shall be mailed to one representative of such media free of charge.

4. The following schedule of mailing fees is hereby established:

a. For a copy of the schedule of meetings and revisions thereto, the sum of $10 per year.

b. For advance written notice of a particular meeting designated in the request, the sum of $3.

c. For advance written notice of all regular, special or re-scheduled meetings during the calendar year, the sum of $10.

5. The following newspapers are hereby designated as the official newspapers for transmittal of all notices of the Atlantic County Municipal Joint Insurance Fund required pursuant to the Open Public Meetings Act:

The Courier Post, Cherry Hill, NJ The Atlantic City Press, Pleasantville, NJ

6. Upon the affirmative vote of three-fourths of the Commissioners present, the Atlantic County Municipal Joint Insurance Fund may hold a meeting without compliance with the notice requirements of this Resolution if:

a. such a meeting is required to deal with matters of such urgency and importance that delay for the purpose of providing adequate notice would be likely to result in substantial harm to the public interest, and

b. the meeting is limited to discussion of and acting with respect to such matters of urgency and importance; and

c. notice of such meeting is provided as soon as possible following the calling of such meeting by sending written notice to the newspaper designated in this Resolution and by filing said notice with the Clerk of each of the member municipalities of the Fund; and

d. either (a) the Fund could not reasonably have foreseen the need for such meeting at a time when adequate notice could have been provided; or (b) although the Fund could reasonably have foreseen the need for such meeting at a time when adequate notice could have been provided, it nevertheless failed to do so.

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Be It Further Resolved, that copies of this Resolution shall be provided, within seven (7) days of its adoption, to the newspapers designated above to receive notice of meetings and to the Clerks of the municipalities participating in the Atlantic County Municipal Joint Insurance Fund for posting as required by law and to the Administrator and Treasurer of the Atlantic County Municipal Joint Insurance Fund for their information and attention.



BY: __________________________________ ATTEST: _____________________________


DATE: ______________________________

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ADOPTING FISCAL POLICIES AND PROCEDURES

Designation of Depositories, Designation of Signatories, Investments, Cash Management Plan

Whereas, the Atlantic County Municipal Joint Insurance Fund has been organized in accordance with the provisions of NJSA 40A:10-36 et seq., and


Whereas, the Commissioners of the Atlantic County Municipal Joint Insurance Fund find that it is necessary and appropriate to make decisions regarding the operations of the Atlantic County Municipal Joint Insurance Fund,

Now, THEREFORE, BE IT RESOLVED by the Commissioners of the Atlantic County Municipal Joint Insurance Fund, assembled in public session on January 16, 2019, that:

1. Investors Bank, with offices located in Short Hills, New Jersey, and organized under the laws of the United States or of the State of New Jersey is hereby designated as the primary depository of the Atlantic County Municipal Joint Insurance Fund until December 31, 2019 or the next Reorganization Meeting of the Fund.

2. M & T Bank, with offices located in Buffalo, New York, and organized under the laws of the United States or of the State of New Jersey is hereby designated as the primary depository of the Atlantic County Municipal Joint Insurance Fund until December 31, 2019 or the next Reorganization Meeting of the Fund

3. In addition, any Bank, Trust Company, Savings Bank or Savings and Loan Association, having its principal place of business in the State of New Jersey and organized under the laws of the United States of the State of New Jersey is hereby designated as an investment depository of the Atlantic County Municipal Joint Insurance Fund, provided that prior to the deposit of any funds in any depository authorized herein, the designated institution shall file with the Treasurer of the Burlington County Municipal Joint Insurance Fund a statement certifying that the institution is covered under the provisions of the Government Units Deposit Protection Act, N.J.S.A. 15:9-41, et seq.

Prior to the deposit of any funds in the above-mentioned depositories, said institution shall file with the Fund Treasurer a statement indicating that the bank is covered under the Government Units Deposit Protection Act, NJSA 16:9-41 et seq.

Be It Further Resolved that the State of New Jersey Case Management Fund be designated as a legal depository for Atlantic County Municipal Joint Insurance Fund for the term ending December 31, 2019.

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2. The following Fund Officials are hereby authorized to sign checks or withdrawal slips for the Atlantic County Municipal Joint Insurance Fund’s Administrative Expense Account where any two (2) of the following signatures are required:

Fund Chairperson Fund Secretary

Executive Director or Deputy Executive Director Fund Treasurer

3. The following Fund Officials are hereby authorized to sign checks or withdrawal slips for the Atlantic County Municipal Joint Insurance Fund’s Claims Account where the Fund Treasurer has been notified of the payment request and where any two (2) of the following signatures are required:

Janet Buggle, VP, Finance, Qual-Lynx Associates (facsimile signature not authorized)

Alice Lihou, Executive Vice President Operations, Qual-Lynx Associates (facsimile signature not authorized)

David S. Ruber, Controller, Qual-Lynx Associates (facsimile signature authorized)

4. WHEREAS, it is desirable that idle funds of the Atlantic County Municipal Joint Insurance

Fund be invested in legal investment vehicles at all times, and

WHEREAS, it is occasionally necessary to transfer funds for the purpose of meeting claims, Fund expenses, or for the purpose of effecting investments,

NOW, THEREFORE, BE IT RESOLVED by the Commissioners of the Atlantic County Municipal Joint Insurance Fund, that it does hereby authorize the Fund Treasurer to request bids and to place orders for the investment of idle funds solely in legally authorized investment vehicles, and

Be It Further Resolved, that the Fund Treasurer is hereby authorized to transfer funds by wire solely for the following purposes and subject to all pertinent regulations:

A. To and From Fund checking or savings accounts to other Fund accounts.

B. To or from Fund checking or savings accounts to or from accounts specified as authorized depositories or the State of New Jersey Cash Management Funds solely for the purposes of investing for the account of the Atlantic County Municipal Joint Insurance Fund.

5. It is the intent of the Commissioners of the Atlantic County Municipal Joint Insurance Fund, and the Treasurer, that all funds be managed in accordance with NJSA 40A:5-14 and NJSA 40A:5-15, and all other applicable statutes and regulations pursuant to the New Jersey Statutes of the Department of Community Affairs and any statutes and regulations promulgated by the Department of Banking and Insurance.

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It is the intent that all monies received from any source shall be deposited within 48 hours after the receipt thereof and that the Treasurer is charged with the custody of all funds of the Atlantic County Municipal Joint Insurance Fund and he shall deposit all receipts within 48 hours to the credit of the fund to the depositories authorized by the Commissioners of the Atlantic County Municipal Joint Insurance Fund.

All funds deposited by the Treasurer shall be placed into an approved, interest bearing account and after determination of immediate cash flow requirements, the funds invested in the interest bearing account may be additionally reinvested in federally guaranteed “time” deposit investment vehicles in depositories duly authorized by the State of New Jersey and approved by the Commissioners of the Atlantic County Municipal Joint Insurance Fund.

All investments shall also be in conformance with NJSA 40A:5-15(b) and NJSA 40A:5-15-2. All deposits and payments shall be in conformance with the Fiscal Affairs Law, NJSA 40A:5-15 in regards to the deposit of monies for the Atlantic County Municipal Joint Insurance Fund and investments, NJSA 40A:5-16 and NJSA 40A 5-16.

Be It Further Resolved, that copies of this Resolution shall be provided, within seven (7) days of its adoption, to the Treasurer, Claims Administrator, Auditor, and Administrator of the Atlantic County Municipal Joint Insurance Fund for their information and attention.



BY: __________________________________ ATTEST: _____________________________


DATE: ______________________________

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ADOPTING ADMINISTRATIVE POLICIES AND PROCEDURES

Delinquent Assessments, Service of Process, Custodian of Records

Whereas, the Atlantic County Municipal Joint Insurance Fund has been organized in accordance with the provisions of NJSA 40A:10-36 et seq., and


Whereas, the Commissioners of the Atlantic County Municipal Joint Insurance Fund find that it is necessary and appropriate to make decisions regarding the operations of the Atlantic County Municipal Joint Insurance Fund,

Now, THEREFORE, BE IT RESOLVED by the Commissioners of the Atlantic County Municipal Joint Insurance Fund, assembled in public session on January 16, 2019, that:

1. There is hereby established an interest rate to be charged on all delinquent assessments for the 2019 Fund Year of eight per cent (8%) per annum from the due date for any such assessments, except that no interest shall be charged after February 15, 2019 if payment is received by February 28, 2019. However, if payment is received after February 28, 2019, interest shall be charged retroactive to February 15, 2019.

Further, no interest shall be charged on the second installment after May 15, 2019 if payment is received by May 31, 2019. However, if payment is received after May 31, 2019, interest shall be charged retroactive to May 16, 2019.

Further, no interest shall be charged on the third installment after August 15, 2019 if payment is received by August 31, 2019. However, if payment is received after August 31, 2019, interest shall be charged retroactive to August 15, 2019.

Finally, no interest shall be charged on the fourth installment after November 15, 2019 if payment is received by November 30, 2019. However, if payment is received after November 30, 2019, interest shall be charged retroactive to November 15, 2019.

2. There is hereby established an eight per cent (8%) per annum interest rate on all delinquent co-payments and deductibles due and owing to the Municipal Excess Liability Joint Insurance Fund by a member that must be paid on a member’s behalf by the Atlantic County Municipal Joint Insurance Fund. The amount of interest due from the member shall be calculated from the date the Fund makes the payment on the member’s behalf to the date the co pay and deductible are repaid to the Fund.

3. Paul A. Forlenza, MGA, RMC is designated as the person authorized to accept service of process on behalf of the Atlantic County Municipal Joint Insurance Fund at 6000 Sagemore Drive, Suite 6203, Marlton, New Jersey 08053.

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Be It Further Resolved, that copies of this Resolution shall be provided to the Secretary, to the Administrator and to the Treasurer of the Atlantic County Municipal Joint Insurance Fund for their information and attention.



BY: __________________________________ ATTEST: _____________________________


DATE: ______________________________

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DESIGNATING THE EXECUTIVE DIRECTOR AS THE PUBLIC AGENCY COMPLIANCE OFFICER IN ACCORDANCE WITH THE

AFFIRMATIVE ACTION REGULATIONS ISSUED BY THE DEPARTMENT OF THE TREASURY

Whereas, the Atlantic County Municipal Joint Insurance Fund has been organized in accordance with the provisions of NJSA 40A:10 -36 et seq., and


Whereas, the Atlantic County Municipal Joint Insurance Fund is a public agency with regard to the Local Public Contract Law and regulations governing the award of contracts by public agencies, and

Whereas, the Atlantic County Municipal Joint Insurance Fund is required to designate a Public Agency Compliance Officer in accordance with Affirmative Action regulations issued by the New Jersey Department of the Treasury.

Now, THEREFORE, BE IT RESOLVED by the Commissioners of the Atlantic County Municipal Joint Insurance Fund, assembled in public session on January 16, 2019, that the Executive Director shall be the Public Agency Compliance Officer for purposes of the Affirmative Action regulations issued by the New Jersey Department of the Treasury, and that communications to him may be addressed to

Paul A. Forlenza, MGA, RMC Executive Director

Atlantic County Municipal Joint Insurance Fund PO Box 488

Marlton, New Jersey 08053

Telephone: 856-446-9100 Facsimile: 856-446-9149

Be It Further Resolved that copies of this Resolution shall be provided to the Secretary, Executive Director and Solicitor of the Atlantic County Municipal Joint Insurance Fund and to the Affirmative Action Office in the New Jersey Department of the Treasury for their information and attention.

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BY: __________________________________ ATTEST: _____________________________


DATE: ______________________________

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ADOPTING AND ESTABLISHING A CONFLICT OF INTEREST POLICY

Whereas, the Atlantic County Municipal Joint Insurance Fund has been organized pursuant to NJSA 40A:10-36 et seq., and

Whereas, the Atlantic County Municipal Joint Insurance Fund is duly constituted as a Municipal Self Insurance Fund to provide insurance coverage to its member municipalities, and

Whereas, the Commissioners of the Atlantic County Municipal Joint Insurance Fund have determined that the Atlantic County Municipal Joint Insurance Fund is distinguished from commercial insurance providers by virtue of the fact that it is formed by municipalities, it is funded by public monies appropriated by the member municipalities, it serves a public purpose and is responsible for the discharge of its function in a manner consistent with ethical policies applicable to municipal government, and

Whereas, the Commissioners of the Atlantic County Municipal Joint Insurance Fund find that it is appropriate to establish certain policies applicable to potential conflicts of interest by the officials and professional staff of the Atlantic County Municipal Joint Insurance Fund,

Now, THEREFORE, BE IT RESOLVED by the Commissioners of the Atlantic County Municipal Joint Insurance Fund, assembled in a public session on January 16, 2019, that:

Findings:

1. The Atlantic County Municipal Joint Insurance Fund is a joint enterprise of the following municipalities:

Absecon, Avalon, Brigantine, Buena, Cape May, Cape May Point, Corbin City, Commercial, Deerfield, Dennis, Downe, Egg Harbor Township, Estell Manor, Folsom, Galloway, Hamilton, Linwood, Longport, Lower, Margate, Middle, Millville, Mullica, Newfield, North Wildwood, Northfield, Ocean City, Pleasantville, Sea Isle City, Somers Point, Stone Harbor, Upper, Upper Deerfield, Ventnor, Waterford, Weymouth, West Cape May, West Wildwood, Wildwood, Wildwood Crest, Woodbine

providing those municipalities with general liability, police professional and workers’ compensation coverage.

2. The municipalities which are members of the Atlantic County Municipal Joint Insurance Fund are jointly responsible for the defense and payment of claims against each other in accordance with the standards and limitations applicable to the Atlantic County Municipal Joint Insurance Fund.

3. While in some aspects of its activity the Atlantic County Municipal Joint Insurance Fund functions in a manner similar to that of a commercial insurance provider, it is clearly distinguished by the fact that it is created by the member municipalities; it is governed by

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Commissioners appointed by the member municipalities; its funding is provided exclusively by the member municipalities and thereby constitute public funds; those associated with the Atlantic County Municipal Joint Insurance Fund are compensated with those public funds; the function of the Atlantic County Municipal Joint Insurance Fund is to fulfill a public purpose by providing insurance coverage exclusively to its member municipalities; there is a need for those appointed by the Atlantic County Municipal Joint Insurance Fund to freely discuss and evaluate potential liability exposures of the member municipalities and to receive information on municipal activities and operations in the same manner as those directly appointed by the member municipalities to advise them; and the Atlantic County Municipal Joint Insurance Fund is bound by many of the same laws and regulations applicable to municipalities with regard to financial records, public contracts and public meetings.

Conflict of Interest Policy

1. It is hereby determined by the Commissioners of the Atlantic County Municipal Joint Insurance Fund that it is in the best interests of the Atlantic County Municipal Joint Insurance Fund and the member municipalities to establish a policy regarding potential conflicts of interest affecting those appointed or retained by the Atlantic County Municipal Joint Insurance Fund.

2. It is further determined that it would be inappropriate for an individual appointed or retained by the Atlantic County Municipal Joint Insurance Fund, or for any person owning or employed by the business entity with which the appointed individual is associated, to undertake the representation or appearance on behalf of a party in a matter or claim adverse to that of the member municipalities. The potential conflict of interest or appearance of a conflict of interest specifically extends to the assertion of claims against the member municipalities and to appearances before agencies of those municipalities.

1. The ACMJIF has determined that it is a conflict of interest for a ACMJIF defense attorney to represent any plaintiff, claimant or interest in any legal action, except as stated herein, against any member municipality, regardless of Fund affiliation, including but not limited to the Municipal Excess Liability Fund. It shall be deemed to be a violation of this Conflict of Interest Policy, by any designated defense attorney of the ACMJIF to take on such representation enjoined by this paragraph. Any ACMJIF defense attorney that knowingly violates this policy is subject to be removed from the list of approved defense attorneys.

2. In determining the nature and extent of the conflict of interest policy, guidance can be drawn from the Opinions of the Advisory Committee on Professional Ethics that address the restrictions on municipal attorneys and those associated with their law offices and the reasons underlying those Opinions. In adopting this Policy, however, the Commissioners of the Atlantic County Municipal Joint Insurance Fund are aware of Opinion No. 640 issued for attorneys by the Advisory Committee on Professional Ethics which compared a Municipal Joint Insurance Fund to a commercial insurance company and determined that there was not a conflict between representing a Joint Insurance Fund and appearing before a municipal agency. To the extent of the policy adopted by this Resolution, the Commissioners of the Atlantic County Municipal Joint Insurance Fund do not adopt the rationale of Opinion No. 640 and hereby determine that the nature of the Atlantic County Municipal Joint Insurance Fund; its

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creation by the member municipalities; its funding by the member municipalities; its governance by the municipal officials appointed by the member municipalities and the need to share confidential information regarding potential liabilities affecting the member municipalities is sufficient to present a potential conflict of interest or the potential for an appearance of a conflict of interest and that it must be avoided by those associated with the Atlantic County Municipal Joint Insurance Fund.

Exceptions.

1. The general policy prohibiting those retained or appointed by the Atlantic County Municipal Joint Insurance Fund from appearing before agencies of the member municipalities shall not be applicable to the representation of parties in the Municipal Court for motor vehicle violations, including drunk driving, provided that the defense is not based upon and the parties are not asserting any claim against a police officer, a municipal employee or the municipality for any alleged wrongful or improper action. It is noted that even traffic violations require sensitivity to potential conflicts, since charges arising out of a motor vehicle accident, could well result in a subsequent claim against the municipality. Those situations which would present a conflict of interest between the representation of a client and the representation of municipal interests should be avoided. Claims against municipal members will need to be evaluated and defended by the Atlantic County Municipal Joint Insurance Fund and the defense should not be compromised by the representation of a party asserting a claim.

2. The general policy prohibiting those retained or appointed by the Atlantic County Municipal Joint Insurance Fund from appearing before agencies of the member municipalities may be waived with regard to the representation of parties with minor development applications before the Planning Board or the Zoning Board of Adjustment. Where a person retained or appointed by the Atlantic County Municipal Joint Insurance Fund seeks to appear before the Planning Board or the Zoning Board of Adjustment of a member municipality for any relatively minor application, in which there is not a substantial adversarial relationship to the municipality, a waiver of the conflict of interest policy may be requested for that application. The request for the waiver shall be reviewed by the Executive Director and the Solicitor for the Atlantic County Municipal Joint Insurance Fund and the Commissioner representing the municipality in which the application is to be considered to the Atlantic County Municipal Joint Insurance Fund to determine whether a waiver shall be allowed in the particular matter after considering the nature of the application and whether any use or significant bulk variances are requested.

3. Nothing in the policy adopted herein shall bar an individual from representing or appearing for himself or herself or a member of his or her immediate family residing with him or her before any municipal agency.

Be It Further Resolved, that copies of this Resolution shall be provided to each of the officials, professionals, and defense attorneys appointed by the Atlantic County Municipal Joint Insurance Fund for their information and attention.

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BY: __________________________________ ATTEST: _____________________________


DATE: ______________________________

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ESTABLISHING A FUND RECORDS PROGRAM

WHEREAS the FUND must establish a formal record retention program for the 2019 Fund Year.

NOW, THEREFORE BE IT RESOLVED, by the FUND’s Governing Body that:

I. Julie Picard, Fund Secretary, is hereby designated as custodian of the FUND records, which shall be kept at the office of the Fund Administrator, located at 6000 Sagemore Drive, Suite 6203, Marlton, New Jersey 08053.

II. Paul A. Forlenza, MGA, RMC, Executive Director, is hereby designated as Deputy Custodian of FUND Records

III. The records of the FUND shall be retained in accordance with the municipal records retention schedule as promulgated by the New Jersey Division of Revenue & Enterprise Services - Records Management Services, and/or otherwise specified by the New Jersey Department of Banking and Insurance and New Jersey Department of Community Affairs.

IV. Each fund professional and service organization shall have the duty and obligation to maintain such records as are entrusted to him/her and to relinquish such records to the Fund Secretary upon termination of services or otherwise upon request.

Records and files not required to support current operations, but which must otherwise be retained, shall be stored in a record retention facility owned and operated by Iron Mountain, 2500 Henderson Drive, Sharon Hill, PA. The FUND’s Executive Director shall coordinate the archive process and shall insure that all records are properly indexed and accessible.



BY: __________________________________ ATTEST: _____________________________


DATE: ______________________________

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RESOLUTION NO. 2019-14

Atlantic County Municipal Joint Insurance Fund

(hereinafter the "Fund")

ESTABLISHING THE 2019 PLAN OF RISK MANAGEMENT BE IT RESOLVED by the Fund's governing body that the 2019 Plan of Risk Management shall be:

1.) The perils or liability to be insured against.

a.) The Fund insures the following perils or liability:

o Workers' Compensation including Employer's Liability, USL&H and Harbor Marine/Jones Act.

o General Liability including Police Professional Liability,

Employee Benefits Liability, Quasi Municipal Organization Liability, Garage Keeper's Liability, Failure to Supply (water and electricity), Riot, Civil Commotion or Mob Action, Good Samaritan, Disinfecting Agents Release Hazard, and Skateboard Facility.

o Automobile Liability including PIP and uninsured/Underinsured

Motorists Coverage.

o Blanket Crime including public employee dishonesty; forgery or alteration; theft, disappearance and destruction; robbery and safe burglary; and computer fraud with funds transfer. Excludes Statutory Positions.

o Property including Boiler and Machinery

o Public Officials and Employment Practices Liability

o Volunteer Directors & Officers Liability

o Cyber Liability

b.) The following coverages are provided to the Fund's member local units by their membership in the Municipal Excess Liability Joint Insurance Fund (MEL).

o Excess Workers' Compensation

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o Excess General Liability

o Non-Owned Aircraft Liability

o Excess Auto Liability

o Optional Excess Public Officials & Employments Practices Liability

o Optional Excess Liability

o Excess Property including Boiler and Machinery

o Crime including (1) excess public employee coverage, (2)

excess public officials coverage where the Statutory Positions coverage is insured commercially for primary coverage and (3) coverage for Statutory Positions insured on a primary basis with MEL (where approved).

2.) The limits of coverage. a.) Workers' Compensation limits.

· The Fund covers $500,000 CSL.

· The MEL covers excess claims to the following limits.

o Workers' Compensation - statutory

o Employer's Liability - $6,500,000 in excess of the Fund's $500,000

o USL&H – Included in workers Compensation o Harbor Marine/Jones Act - Included in employers liability

o Incidental Foreign Workers Compensation - included

o Communicable Disease Coverage - included

b.) General Liability limits.

· The Fund covers $500,000 CSL.

· The MEL covers excess liability claims as follows:

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o General Liability - $4,500,000 CSL excess the Fund's $500,000. The $3,000,000 excess $2,000,000 layer is subject to a $3,000,000 per member local unit annual aggregate limit.

o Police Professional - included in the MEL's excess General

Liability limits.

o Employee Benefits Liability - included in the MEL's excess General Liability limits.

o Good Samaritan Liability - included in the MEL's excess

General Liability limits.

o Quasi Municipal Organization Liability. (Non-profit organizations included by a member local unit in the town's insurance program.)

o Emergency Service Units and Auxiliaries - included in

the MEL's excess General Liability limits.

o Other - $4,500,000 CSL excess of the Fund's $500,000. The $3,000,000 excess $2,000,000 layer is included in the MEL's excess General Liability $3,000,000 excess $2,000,000 per member local unit annual aggregate limit.

o Garage Keeper's Liability - $1,500,000 CSL excess of the

Fund's $500,000.

o Failure to Supply Liability - $4,500,000 CSL excess of the Fund's $500,000. The $3,000,000 excess of the $2,000,000 layer is included in the MEL’s General Liability $3,000,000 excess of $2,000,000 per member local unit annual aggregate limit.

o Riot, Civil Commotion or Mob Action - $4,500,000 CSL excess of the Fund's $500,000. The $3,000,000 excess of the $2,000,000 layer is included in the MEL’s General Liability $3,000,000 excess of $2,000,000 per member local unit annual aggregate limit.

o Dams (Class III and IV – Low Hazard) - $4,500,000 CSL excess of the Fund's $500,000. The $3,000,000 excess of the $2,000,000 layer is included in the MEL’s General Liability $3,000,000 excess of $2,000,000 per member local unit annual aggregate limit.

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o Dams (Class I and II – High Hazard) - $500,000 CSL excess of the Fund's $500,000.

o Subsidence Property Damage Liability- $3,500,000 CSL

excess of the Fund's $500,000. The $2,000,000 layer excess of $2,000,000 layer is included in the MEL's General Liability and is subject to a $2,000,000 “all members” annual aggregate limit excess of the $2,000,000 each occurrence. There is no bodily injury liability sub-limit for subsidence.

o Sewer Back Up - $3,500,000 CSL excess of the Fund's

$500,000. The $2,000,000 layer excess of $2,000,000 layer is included in the MEL's General Liability and is subject to a $2,000,000 “all members” annual aggregate limit excess of the $2,000,000 each occurrence. There is no bodily injury liability sub-limit for sewer back-up.

o Disinfecting Agents Release Hazard - $500,000 CSL excess

of the Fund's $500,000.

o Skateboard Facilities - $4,500,000 CSL excess of the Fund's $500,000. The $3,000,000 excess of the $2,000,000 layer is included in the MEL’s General Liability $3,000,000 excess of the $2,000,000 each occurrence. (Note: requires Fund approval).

Approval has been granted for the following Skateboard Facilities:

§ City of Brigantine § Commercial Township § Township of Galloway § North Wildwood § City of Sea Isle City § Township of Upper § Township of Middle § Borough of Stone Harbor

c.) Automobile Liability limits.

o The Fund covers $500,000 CSL for Bodily Injury Liability,

Property Damage Liability and PIP.

o The Fund covers $15,000/$30,000/$5,000 for Underinsured/Uninsured Motorists Liability.

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o The MEL covers Automobile Bodily Injury and Property Damage Liability claims excess of the Fund's $500,000 CSL limit in the MEL's excess General Liability limit except that Automobile Liability claims which penetrate the excess of $2,000,000 layer are not subject to the aggregate limitation.

o The JIF provides PIP limits of $250,000.

o The MEL does not provide excess PIP or

Uninsured/Underinsured Motorist Coverage.

c.) Non-Owned Aircraft. The MEL covers $5,000,000 CSL for Bodily Injury and Property Damage Liability, and $5,000 medical expense for each passenger.

d.) Public Officials Liability. (POL)

o The JIF, 100% commercially insured with QBE North

America, covers $2,000,000 in the aggregate on a claims made and reported basis per member municipality for each Fund year subject to a deductible and coinsurance as outlined below. There is a combined POL/EPL $2,000,000 per member local unit annual aggregate.

o $20,000 deductible per occurrence, except that a $75,000

deductible per occurrence applies for member local units with unfavorable loss experience.

o 20% coinsurance of the first $250,000 of the loss

o The Executive Committee may, at its discretion, vote to authorize payment from JIF Funds of a Class Action Settlement Agreement that requires a per member flat fee payment. This per member payment figure shall be below the per occurrence deductible and shall be made on behalf of all members.

NOTE: Member local units that qualify based on certain criteria have options to purchase a lower deductible and coinsurance contribution. All members with adverse loss experience may be subject to higher deductible and coinsurance as provided by QBE North America.

e.) Employment Practices Liability (EPL)

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o The JIF, 100% commercially insured with QBE North America, covers $2,000,000 in the aggregate on a claims made and reported basis per member municipality for each Fund year subject to a deductible and coinsurance as outlined below. There is a combined POL/EPL $2,000,000 per member local unit annual aggregate.

o For member local units with approved EPL Loss

Control/Risk Management Programs:

o $20,000 deductible per occurrence, except that a $75,000 deductible per occurrence applies for member local units with unfavorable loss experience.

o 20% coinsurance of the first $250,000 of the loss

o For member local units without approved EPL Loss

Control/Risk Management Programs:

o $100,000 deductible per occurrence, except that a $150,000 deductible per occurrence applies for member local units with unfavorable loss experience.

o 20% coinsurance (no cap) 1st $2 million (not imposed against optional limits).

NOTE: Member local units that qualify based on certain criteria have options to purchase a lower deductible and coinsurance contribution. All members with adverse loss experience may be subject to higher deductible and coinsurance as provided by QBE North America.

f.) Optional Directors and Officers Liability (D & O) - Fire

Companies and Emergency Service Units.

o The JIF, 100% commercially insured with QBE North America, provides optional $1 million or $2 million annual aggregate limits for Fire Companies or Emergency Service Units subject to optional deductibles of $1,000, $2,000 or $5,000.

h.) Property (effective 12:01 A.M. December 31, 2017) –

The Fund covers $100,000 per occurrence (Property & Time Element combined) less applicable member deductibles:

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o Flood for locations wholly or partially within 100-year flood zone

o Boiler and Machinery o Named Storm (Flood & Wind)

The MEL retains and provides excess property coverage at limits of

$400,000 excess $100,000 per occurrence (Property & Time Element combined) except for the following:

o Flood for locations wholly or partially within

100-year flood zone o Boiler and Machinery o Named Storm(Flood & Wind)

The MEL serves as the lead agency for the purchase of additional excess property at the following MEL statewide limits and sub-limits:

o Policy limit - $125 million per occurrence for all

coverage despite number of locations involved in an occurrence state-wide.

o Named Storm - $125 million per occurrence (Property and Time Element combined - (120 Hours)

o Earth Movement - $100 million annual aggregate (168 hours)

o Flood - $100 million (annual aggregate) except; o Flood for locations wholly or partially within 100-year

flood zone (SFHA) – o $52.5 million per location building & contents o $1 million all outdoor property o $2.5 million for pumping stations o Definition of Flood includes Storm Surge

o Asbestos Cleanup - $50,000 per occurrence o Equipment Breakdown - $125 million

o Ammonia Contamination - $5 million o Spoilage - $5 million

o Time Element – included in the policy limit. o Time element sub-limits include: o Business Interruption – Included (12 Months) o Extra Expense - $10 million o Tenant Relocation - $750,000 o Leasehold Interest - $15 million o Tenant Prohibited Access- $1 million (24 Hours) o Service Interruption - $10 million o Loss of Rents - $15 million o Delay in Completion -60 days

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o Extended Period of Liability – 365 days o Utilities Member Owned – Property Damage and Time

Element Combined - $125 million o Time Element Pass Through Utilities – Per Policy Sub-limit o Time Element Power Generation Utilities – NOT

COVERED o Valuable Paper and Records (incl. EDP Media/Software -

$10 million o Accounts Receivable - $10 million o Increased Construction Cost - $25 million (Incl. Demolition) o Transit - $1 million per occurrence o Fine Arts - $2.5 million o Land and Water Contamination Cleanup (limited) -

$250,000 (annual aggregate) Including removal & disposal

o Decontamination Costs - $250,000 o Miscellaneous Unnamed Locations - $10 million o New Construction & Additions - $25 million

o Including soft costs - $5 million sub-limit o 15 Days Delay in Completion

o Computer Systems Damage - $2.5 million (24 Hours) o Newly Acquired Locations – $25 million per location

o 90 Day Period o Ingress/Egress - $5 million (within 1 mile-30 Day Period) o Debris Removal - $25 million o Expediting Expense - $10 million o Civil Authority -$5 million(within 5 miles-30 Day

Period) o Professional Fees including Architects/Engineering Fees

- $1,250,000 o Errors & Omissions - $10 million o Miscellaneous Personal Property - $10 million

o Includes Outdoor Property - $10 million (Named Peril Only)

o Watercraft - $1 million - 32’ or less – ACV in not scheduled

o Vehicles - $15 million (Property Damage only) o Bridges and Dams $10 million. (Property & TE

combined). Excluded for the Perils of Flood, Named Storm & Earth Movement.

o Piers, Wharfs, Docks, Boardwalks, Bulkheads, Crossovers - $10 million - Named Peril Only

o Transmission and Distribution Lines - $10 million (within a 1 mile radius of an insured Location for overhead lines & 5 mile radius for underground lines)

o Clogging/Blocking of pipes - $1 million o Off Premises Storage Under Construction - $250,000

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o Fire Department Service Charge - $250,000 o Deferred Payments - $1 million o Land Improvements - $10 million o Off Premises Services Interruption - $10 million

Excluding Utilities 24 hour qualifying period o Protection & Preservation of Property-$10 million(48 Hrs

BI) o Research & Development - $10 million (12 Hours) o Impounded Water - $250,000 (30 days) o Tenant Prohibited Access - $1 million o Soft Costs - $5 million o Wind Turbine $1 million per occurrence

FLOOD AGGREGATE NOTE: In no event shall the Zurich primary program aggregate for Flood and/or Surface Water exceed $50,000,000 in any one policy year. The MEL has an excess flood and earth movement program on a quota share basis with several insurers that provides a combined limit of $50,000,000 excess of $50,000,000. As respects to flood, the limit is excess of the $50 million Zurich program flood aggregate. It also drops down over the SFHA sub-limit contained in the Zurich policy of $2.5 million.

The total statewide program annual aggregate for the peril of flood (for locations outside & wholly or partially within areas of 100-Year flooding) is $100,000,000.

o Property Deductibles

o The standard Member JIF retains and provides $100,000

per occurrence (MELJIF Retention $500,000 less JIF retention) (Property & Time Element Combined) less member local unit deductibles except for:

o Flood for locations wholly or partially within

100-year flood zone o Boiler and Machinery o Named Storm (Flood & Wind)

o The standard member local unit deductible is $1,000 per

occurrence except for:

o Flood for locations wholly or partially within 100-year flood zone

o Equipment Breakdown o Named Storm (Flood & Wind)

o Equipment Breakdown coverage is subject to a member

local unit $5,000 deductible per occurrence (MELJIF

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Retention $50,000 less JIF retention). (Property & Time Element Combined).

o Flood loss and/or surface water for locations with any part of the legal description within a SFHA (wholly or partially within the 100-year flood zone) as defined by the Federal Emergency Management Agency is subject to separate deductibles of $500,000 each for building damage for municipal buildings, and $500,000 each building for municipal contents damage and $250,000 each building damage for housing authority buildings, and $100,000 each building for housing authorities contents damage or the National Flood Insurance Plans (NFIP) maximum available limits for municipalities and housing authorities respectively, whichever is greater, regardless of whether National Flood Insurance Program coverage is purchased. Vehicles, mobile equipment, pistol ranges and pumping stations are subject to the standard member local unit deductible unless they are not at a Location then the deductible is $250,000 per occurrence. “Pumping Stations” include “lift stations” and also include “wet wells” that are an integral part of the “pumping station”. The flood loss deductible outside of the SFHA (100-year flood zone) is the standard member local unit deductible. All other property not eligible for NFIP is either defined as Outdoor or addressed elsewhere in the policy. NOTE: For housing authorities the MEL self insures the layer of $250,000 excess $250,000 each building for housing authority buildings and $400,000 excess $100,000 each building for housing authorities contents damage.

o “Named Storm” (Wind and Flood)

Locations: As respects to covered property in Atlantic, Ocean, Monmouth, and Burlington Counties located east of the Garden State Parkway and any covered property in Cape May County.

Property Damage 1% of the scheduled location value on file with the Company, per the property insured as of the date of loss, for the Location where the direct physical loss or damage occurred, per occurrence. Locations: As respects to covered property in Atlantic, Ocean, Monmouth, and Burlington Counties located

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east of the Garden State Parkway and any covered property in Cape May County.

Time Element 1% of the full 12 months Gross Earnings or Gross Profit values that would have been earned following an occurrence by use of facilities at the Location where the direct physical loss or damage occurred and all other Locations where Time Element loss ensues, per occurrence.

The above Named Storm deductibles are subject to a minimum deductible of $500,000 for Property Damage and Time Element Combined per Location and maximum deductible of $1,000,000 per occurrence. Locations: As respects to covered property in Atlantic, Ocean, Monmouth, and Burlington Counties located west of the Garden State Parkway and any covered property located in the remaining counties, except Cape May County as noted above. SEE PAGE 8 (JIF Retention $100,000; MELJIF Retention $500,000 less JIF retention).

o The definitions of “Named Storm” and “Location” are per the definitions in the MEL policy form with Zurich. Named Storm is defined as any storm or weather disturbance that is named by the U.S. Oceanic and Atmospheric Administration (NOAA) or the U.S. National Weather Service or the National Hurricane Center of the Center or any comparable worldwide equivalent. Named Storm includes Storm Surge. Location is defined as: (1) as specified in the Schedule of Locations. If not specified in the schedule of locations then: (2) A Location is a building(s) bounded on all sides by public streets, clear land space or open waterways, each not less than fifty feet wide; (3) A site tract of land occupied or available for occupancy with tangible property.

o As respects to the perils of Flood, Earth Movement and

Named Storm, if there is an event or series of related events in which more than one of these perils causes direct physical damage to insured property, a single deductible shall apply to these perils involved. The single deductible will not exceed the largest applicable for the perils of Flood, Earth Movement and Named Storm. In the event of a Joint Loss (Property and Equipment Breakdown), the higher deductible applies.

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o Piers, wharfs, docks, floating docks, boardwalks,

buildings, bulkheads, crossovers and/or structures thereon are covered for the perils of fire, lightning, explosion, smoke, windstorm, hail, riot, civil commotion, aircraft, vehicles, vandalism, sprinkler leakage, sinkhole collapse, and volcanic action, watercraft and malicious intent.

o Buildings constructed on pilings that are located wholly

or partially within the Special Flood Zone Hazard (SFHA) designated zones V, VE, V1-30 are excluded except fire, lightning, explosion, smoke, windstorm, hail, riot, civil commotion, aircraft, vehicles, vandalism, sprinkler leakage, sinkhole collapse, and volcanic action, watercraft and malicious intent.

o Bridges and Dams and Equipment relating thereto are

not covered for loss caused by or resulting from Flood, Earth Movement or Named Storm regardless of any other cause or event, whether or not insured under this Policy, contributing concurrently or is any other sequence to the loss.

i.) Blanket Crime - The JIF provides a limit of $50,000 less the

member entity deductible of $1,000. Coverage includes Public Employee Dishonesty, Forgery and Alteration, Theft, Disappearance and Destruction, Robbery and Safe Burglary, Computer Fraud with Funds Transfer. The MEL provides its member JIF’s excess limits of $1,000,000 less the member JIF’s retention of $50,000 for Public Employee Dishonesty.

j.) Excess Public Officials Crime Coverage - The MEL provides

excess employee dishonesty for those employed positions which are required by law to be individually bonded and where they have not applied and have not been approved for coverage under the MELJIF Statutory Position Program at a limit of $1,000,000 less a member local units’ deductible which is the higher of the following:

1) The amount said persons are required by Law to be

individually bonded whether or not such individual Bond is in place, or

2) The amount of the individual Bond in place.

Each member local unit that has not applied for coverage under the MELJIF Statutory Position Bond is required to continue to purchase via the commercial market individual bonds providing primary coverage up to “at least the minimum limit required by

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law” for those employed positions required by law to be individually bonded.

k.) Crime Statutory Position Coverage - The MEL provides employee

dishonesty and faithful performance coverage for those employed positions which are required by law to be individually bonded and where they have applied and have been approved for coverage at a limit of $1,000,000 per occurrence per position less a member local units’ deductible of $1,000.

l.) Optional Excess Liability - The MEL offers Optional Excess

General Liability, including Police Professional Liability, Employee Benefits Liability, Quasi Municipal Organization Liability (Emergency Service Units and Auxiliaries only), and Automobile Liability (not including PIP or Underinsured/Uninsured Motorist Coverage) as follows:

o $2 million CSL and per member local unit annual aggregate

excess of $5 million (auto liability not aggregated).

o $5 million CSL and per member local unit annual aggregate excess of $5 million (auto liability not aggregated).

o $5 million CSL and per member local unit annual aggregate

excess of $10 million (auto liability not aggregated).

o $10 million CSL and per member local unit annual aggregate excess of $10 million (auto liability not aggregated).

m.) Optional Excess POL/EPL – The MEL offers optional excess

POL/EPL as follows:

o $1 million CSL and per member local unit annual aggregate excess of $2 million





n.) Environmental Impairment Liability – NOT COVERED.

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o.) Cyber Liability – The JIF, 100% commercially insured with XL Catlin and Beazley, provides Third Party coverage including Media Communication, Network Security Liability and Privacy Liability and First Party coverage including Extortion Threat, Crisis Management Expenses and Privacy Notification Costs. The JIF limits of liability are $6,000,000 each/$12,000,000 policy aggregate. The limits are JIF wide and shared amongst member local units of the JIF. There is a $6,000,000 sub-limit each for (1) Privacy Notification Costs, (2) Regulatory Fines/Claims Expenses for Privacy Liability, (3) Extortion Damages for Extortion Threat and (4) Crisis Management Expenses. There is a $10,000 policy deductible.

p.) Optional Individual Self-Insured Retentions – None.

q.) Annual Aggregate Insurance – None.

NOTICE: The above description is a general discussion of the coverage and limits provided by the FUND. However, the actual terms and conditions are defined in the policy documents and all issues shall be decided on the policy documents.

3.) The amount of risk to be retained by the Fund.

a.) Workers' Compensation (all coverages) - $500,000 CSL

b.) General Liability (all coverages) - $500,000 CSL

c.) Employment Practices Liability – none (100% commercially

insured with QBE North America).

d.) Non-Owned Aircraft - none e.) Automobile Liability

o PD & BI - $500,000 CSL o Underinsured/Uninsured - $15,000/$30,000 CSL o PIP - $250,000 CSL

f.) Public Officials Liability – none. (100% commercially insured with

QBE North America).

g.) Optional Directors and Officials Liability – none. (100% commercially insured with QBE North America).

h.) Property - $100,000 per occurrence less member deductibles.

i.) JIF Blanket Crime - $50,000 less member deductible

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j.) Optional Excess Liability – none provided by MEL

k.) Environmental Impairment Liability - none l.) Residual Claims Liability - none other than the risk of a RCF

assessment.

m.) MEL Crime Policy – none (provided by MEL)

n.) Optional Excess POL/EPL – none (provided by MEL)

o.) Cyber Liability – none (100% commercially insured with XL Catlin and Beazley)

p.) Annual Aggregate Stop Loss Excess Insurance – none

4.) The amount of unpaid claims to be established.

a.) The general reserving philosophy is to set reserves based upon the

probable total cost of the claim at the time of conclusion. Historically, on claims aged eighteen (18) months, the Fund expects the claims servicing company to set reserves at 85% accuracy. The Fund also establishes reserves recommended by the Fund's actuary for claims that have been incurred but not yet reported so that the Fund has adequate reserves to pay all claims and allocated loss adjusted expense liability.

b.) Claims reserves are subject to regular review by the Fund's Executive

Director/Administrator, Attorney, Executive Committee and claims servicing company. Reserves on large or unusual claims are also subject to review by the claims departments of the commercial insurance companies or reinsurance companies providing primary or excess coverages to the Fund.

5.) The method of assessing contributions to be paid by each member of the

Fund. a.) By November 15th of each year, the actuary computes the probable

net cost for the upcoming Fund year by line of coverage and for each prior Fund year. The actuary includes all budget items in these computations. The annual assessment of each participating municipality is its pro rata share of the probable net cost of the upcoming Fund year for each line of coverage as computed by the actuary.

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b.) The calculation of pro rata shares is based on each municipality's experience modified manual premium for that line of coverage. The Fund's governing body also adopts a capping formula which limits the increase of any member's assessment from the preceding year to the Fund wide average increase plus a percentage selected by the governing body. The total amount of each member's annual assessment is certified by majority vote of the Fund's governing body at least one (1) month prior to the beginning of the next fiscal year.

c.) The treasurer deposits each member's assessment into the appropriate

accounts, including the administrative account, and the claim or loss retention trust fund account by Fund year for each type of coverage in which the member participates.

d.) If a local unit becomes a member of the Fund or elects to participate

in a line of coverage after the start of the Fund year, such participant's assessments and supplement assessments are reduced in proportion to that part of the year which had elapsed.

e.) The Fund's governing body may by majority vote levy upon the

participating municipalities additional assessments wherever needed or so ordered by the Commissioner of Insurance to supplement the Fund's claim, loss retention or administrative accounts to assure the payment of the Fund's obligations. All supplemental assessments are charged to the participating municipalities by applicable Fund year, and shall be apportioned by the year's assessments for that line of coverage.

f.) Should any member fail or refuse to pay its assessments or

supplemental assessments, or should the Fund fail to assess funds required to meet its obligations, the chairman or in the event by his or her failure to do so, the custodian of the Fund's assets, shall notify the Commissioner of Insurance and the Director of Community Affairs. Past due assessments shall bear interest at the rate established annually by the Fund's governing body.

g.) The Fund has adopted a loss sensitive retrospective rating plan and

has filed the endorsement with the Department of Banking and Insurance and the Department of Community Affairs.

6.) Procedures governing loss adjustment and legal expenses.

a.) The Fund engages a claims service company to handle all claims,

except for the JIF’s POL/EPL and Volunteer D&O insurance which is handled by Summit Risk Services representing QBE North America for EPL/POL and Volunteer D&O. The

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performance of the claims adjusters is monitored and periodically audited by the Executive Director's office, the Fund attorney, the MEL's attorney's office, as well as the claims department of the MEL's three major liability insurers/re-insurers [i.e. General Re and Munich Re for excess liability, and Safety National for workers' compensation]. Every three years, the MEL's internal auditors also conduct an audit.

b.) Each member local unit is provided with a claims reporting

procedure and appropriate forms. c.) In order to control workers' compensation medical costs, the Fund

has the Fund has established an approved medical list and all injured employees are required to utilize this panel.

d) To provide for quality defense and control costs, the Fund has

established an approved defense attorney panel with firms which specialize in Title 59 matters. The performance of the defense attorneys is overseen by the Fund attorney, as well as the various firms which audit the claims adjusters.

e) The pursuit of subrogation is important to the member and the JIF because successful recoveries replenish the loss funds thereby benefitting a members’ loss history and the ultimate JIF results.

Therefore: 1. All requests for abandonment of subrogation, reduction of

subrogation claims, and for execution of releases shall be reviewed by the Atlantic County Municipal Joint Insurance Fund Claims Review Committee at its next regularly scheduled meeting, except for subrogation claims that are valued at less than ONE THOUSAND ($1,000.00) DOLLARS; and

2. As to all subrogation claims less than FIVE HUNDRED ($500.00) DOLLARS, after the Claims Administrator has exhausted all avenues for collection of the subrogation claim, the claim shall be referred to Claims Supervisor who shall review the claim and provide a list of those claims and dollar amounts being waived to the Fund Administrator of the Atlantic County Municipal Joint Insurance Fund; and

3. As to all subrogation claims greater than FIVE HUNDRED ($500.00) DOLLARS but less than ONE THOUSAND ($1,000.00) DOLLARS, after the Claims Administrator has exhausted all avenues for collection of the subrogation claim, the claim shall be referred to the Fund Solicitor who shall review the claim and provide a list of those claims and dollar amounts being waived to the Fund Administrator of the Atlantic County Municipal Joint Insurance Fund; and

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4. For all subrogation claims of ONE THOUSAND ($1,000.00) DOLLARS or more, the Claims Review Committee shall review such claims and provide a recommendation to the Executive Committee of the Atlantic Count Municipal Joint Insurance Fund at their next regularly scheduled meeting; and

5. The Executive Committee shall review the recommendations of the Claims Review Committee, the Claims Administrator, and the Fund Solicitor and determine whether to ratify the recommendations and said action will be noted in the meeting minutes via the claim number of the appropriate claim; and

6. If the recommendation is for the execution of a Release and the Executive Committee ratifies that recommendation, the Atlantic County Municipal Joint Insurance Fund’s Chairperson and Secretary shall be authorized to execute the Release by Resolution.

7.) Coverage to be purchased from a commercial insurer, if any.

The Fund does purchases commercial insurance for the POL/EPL, Volunteer D&O, and Cyber Liability coverage which is purchased from XL Catlin (Cyber), Beazley (Cyber) and QBE North America (POL/EPL and Volunteer D&O).

8.) Reinsurance to be purchased.

The Fund does not purchase reinsurance.

9.) Procedures for the closure of Fund years, including the maintenance of all relevant accounting records.

a.) The Fund utilizes the Municipal Excess Liability Residual Claims

Fund (RCF) to facilitate the closure of Fund years.

b.) Upon the transfer of outstanding liabilities of a Fund year to the RCF, the Fund adopts a resolution closing that year and transfers all remaining assets to the closed Fund year account. This amount is allocated by member local units using the same procedure as is used to calculate a dividend. Each month, interest is credited to the closed Fund year account by member.

c.) Each year, the Fund's governing body will determine if a dividend is

appropriate from the closed Fund year account, and will make application to the Department of Insurance as appropriate. Further, in the event an open Fund year incurs a deficit, the Fund's governing body will consider an inter-year transfer from the closed Fund year account to offset the deficit. In either case, the dividend or inter-Fund year transfer will be calculated on a member by member basis.

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d.) A member may apply to the Fund's governing body for a return of

that member's remaining share of the closed Fund year account when five (5) years have passed since the last Fund year in which the member participated has been closed. The Fund's governing body will decide on the former member's request after evaluating the likelihood of any additional assessments from the RCF.

e.) All dividends from the RCF will be deposited in the closed Fund

year account on a member by member basis.

f.) The Fund will retain all records in accordance with the Fund's record retention program.

10.) Assumptions and Methodology used for the calculation of appropriate

reserves requirements to be established and administered in accordance with sound actuarial principles.

a.) The general approach in estimating the loss reserves of the Fund is to

project ultimate losses for each Fund year using paid and incurred loss data. Two traditional actuarial methodologies are used: the paid loss development method and the incurred loss development method. From the two different indications resulting from these methods the Fund Actuary chooses a "select" estimate of ultimate losses. Subtraction of the paid losses from the select ultimate losses yields the loss reserve liability or funding requirement.

b.) The following is an overview of the two actuarial methods used to

project the ultimate losses.

o Paid Loss Development Method - This method uses historical accident year paid loss patterns to project ultimate losses for each accident year. Because this method does not use case reserve data, estimates from it are not affected by changes in case reserving practices. However, the results of this method are sensitive to changes in the rate of which claims are settled and losses are paid, and may underestimate ultimate losses if provisions are not included for very large open claims.

o Case Incurred Loss Development Method - This method is

similar to the paid loss development method except it uses historical case incurred loss patterns (paid plus case outstanding reserves) to estimate ultimate losses. Because the data used includes case reserve estimates, the results from this method may be affected by changes in case reserve adequacy.

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11.) The maximum amount a certifying and approving officer may approve pursuant to N.J.A.C. 11:15-2.22.

§ Property Claims - $5,000 of Authority

§ Workers Compensation Claims - $10,000 of Authority

§ Liability Claims - $5,000 of Settlement Authority; $10,000 of legal and file expense Authority

§ The Executive Committee has established a Claims Review

Committee comprised of Fund Commissioners to review all Payment Authorization Requests, (PARs) with a total cost of $5,000 or more, and review litigation strategies with the Fund’s Attorney. The Claims Review Committee shall advise the Executive Committee regarding claims administration and payments.

§ In urgent situations where the Claims Review Committee has not had an opportunity to meet, and where time is of the essence such that an expeditious response to a settlement offer would be in the Fund’s best economic interest, the Fund Attorney, in consultation with the Executive Director and the Claims Review Committee Chair, shall have the authority to authorize the settlement of claims within the JIF’s SIR. All such authorizations shall be reported to the Claims Review Committee as soon as possible and no later than the Committee’s next meeting. All such authorizations shall be reported to the Executive Committee for approval at their next meeting.

§ In urgent situations where the Claims Review Committee has not had an opportunity to meet, and temporary total disability benefits are due to a claimant and delaying payment of these benefits would have a detrimental impact on the claimant, the Executive Director, in consultation with the Fund Attorney, and the Claims Review Committee Chair, shall have the authority to authorize the payment of temporary total disability benefits to the claimant at an amount not to exceed $5,000 over what had been previously authorized. All such authorizations shall be reported to the Claims Review Committee as soon as possible and no later than the Committee’s next meeting. All such authorizations shall be reported to the Executive Committee for approval at their next meeting.

§ Upon submission of satisfactory documentation, and with the advance approval of the Executive Director, the Certifying and Approving Officer may also pay hospital bills if waiting until after the next regularly scheduled FUND meeting would result in the loss of a discount on such bills. When the Certifying and Approving Officer utilizes this authority, a report shall be made to

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the Claims Review Committee at their next meeting. All such approvals shall be reported to the Executive Committee at their next meeting.

12.) Operational Philosophy * General - As is the case with any organization, an established

operating philosophy, formalized in a document such as this, is a necessary precursor to success. This section of the Risk Management Plan is developed to provide general instruction for key areas and providers of service to the Fund. Also included here are sections which restate (and amplify) the roles and responsibilities of important parties and stress the importance of activities upon which the long term success of the Fund will hinge in whole or in part.

* Fund Commissioners - Fund Commissioners, each an elected official or municipal employee, are the backbone of the Fund. These individuals will in large measure control the success of the Fund by actively participating in the safety and loss control programs developed by the Fund for all members, and by implementing these programs in their respective municipalities. Fund Commissioners are encouraged to attend all meetings of the Fund, to serve on committees studying current issues, to enhance their knowledge of risk management, and to encourage consistent safe practices.

* Fund Professionals and Risk Management Consultants - Providers of professional services (Fund Professionals and Risk Management Consultants) to the Fund and individual member municipalities are strongly encouraged to participate in and promote Fund activities. The success of the Fund will, in part, be a reflection of the professionalism of those providers whose services are integral components of the Fund. Support of the concept of self-insurance, the Fund in general, and the risk management activities of member municipalities in particular are necessary elements of success.

* The Fund Bylaws require each member municipality to provide for the services of an individual or firm to serve as the member’s Risk Management Consultant and who shall serve as an Insurance Producer as defined under N.J.S.A. 17:22, and shall have demonstrated experience in the management of public sector insurances and risk management. The Risk Management Consultant shall not be an employee of the member. The Risk Management Consultant shall not be a Fund Commissioner.

* The Risk Management Consultant shall advise the member on matters relating to the Fund’s operation and coverages. The Risk Management Consultant shall, in addition to such items as may be included in such individual’s or firm’s contract or agreement with the member, be governed by the following:

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a) The Risk Management Consultant shall be retained by each member in conformance with applicable State Law or regulation;

b) Risk Management Consultants, who can not be local unit employees, shall be paid a fee not exceeding six (6%) percent of the member’s assessment in accordance with the terms of the Risk Management Consultant’s Agreement executed by the member; and

c) Specific responsibilities shall include, but not be limited to:

i.) Evaluation of the member’s exposure;

ii.) Explanation of the various coverages available from the Fund;

iii.) Preparation of applications, statements of values, timely reporting of changes in exposures, and any other exposure based questionnaires and/or applications requested by the Fund;

iv.) Review of the local unit’s assessment and assistance in preparing the member’s insurance budget;

v.) Review and analysis of the member’s safety engineering

reports and periodic loss runs in order to help the member identify areas requiring greater attention;

vi.) Assist the member in establishing, monitoring and evaluating a safety committee and claims handling procedure;

vii.) Attend the majority of meetings of the Fund’s Executive Committee; and

viii.) Analyze and recommend insurance coverages not offered through the Fund.

* Claims Response And Reserving - Were the philosophy of the Fund in these areas to be encapsulated into two sentences, they would read as follows:

a.) “The Fund will thoroughly review and respond to each claim presented so as to pay only that amount (if any) which it is legally bound and obligated to pay.”; and

b.) “Reserves shall be established on each claim presented in a manner which accurately reflects the full, known liability of the Fund at any given point in time”.

In reviewing each claim presented, the Fund (operating through its claims administrator and legal counsel) shall review such claims for coverage, deny those not falling within the purview of coverages offered, aggressively defend those in dispute, pursue to the fullest extent of the law

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those presented in bad faith, and settle as expeditiously as possible those for which the Fund is legally liable.

* Case reserves, including all types of applicable allocated loss adjusting expenses, will be established with an eye toward identifying the full exposure of the Fund and its excess insurance carriers at the earliest possible date. Reserves shall be periodically reviewed for accuracy and adjusted as needed. For claims aged eighteen (18) months or more, it is expected that reserves will be not less than 85% accurate. For claims aged thirty (30) months or more 95% accuracy is expected.

* Financial Management - Consistent with the objective of serving as a long term vehicle through which to stabilize the costs associated with insurance coverages, the underlying premise of the Fund’s financial base shall be one of conservative up-front funding, prudent investment of idle funds, and maintenance of stringent paper and audit trails. As is the case with all other aspects of the Fund, the financial assets of the Fund can well be considered as moneys held in public trust. Treatment and handling of these Funds must be accomplished in a manner which reflects the stewardship obligation of those whose hands through which they pass. All actuarial, investment, treasury and banking functions of the Fund are to be accomplished in a manner consistent with the same legal and administrative standards applicable to municipalities in the State of New Jersey.

Specific steps taken by the Fund during past years to enhance return on equity include:

a.) implementing more favorable payment terms with various service providers so as to increase investment income;

b.) Development and adoption of a Cash Management and Investment Policy which seeks the following objectives:

i.) Preservation of capital,

ii.) Adequate safekeeping of assets,

iii.) Maintenance of liquidity to meet operating needs, claims settlements, and dividends,

iv.) Diversification of the JIF’s portfolio to minimize risks associated with individual investments,

v.) Maximization of total return, consistent with acceptable risk levels,

vi.) Investment of assets in accordance with State and Federal laws and regulations,

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vii.) Accurate and timely reporting of interest earnings, gains and losses by line of coverage in each fund year,

viii.) Cooperation with other local JIFs and the MEL in the planning and execution of investments in order to achieve economies of scale,

ix.) Stability in the value of the JIF’s economic surplus.

* Safety And Loss Prevention - Every dollar spent to compensate for an avoidable loss, whether it be for property, workers’ compensation or any other coverage afforded through the JIF, is a dollar which might better have been used to provide municipal services and conserve tax dollars. In an effort to avoid preventable loss and the financial and human hardships which result therefrom, the JIF (operating through the Fund’s Safety Committee) will implement safety and loss control programs and procedures, directed at reducing or eliminating conditions or practices which lead to loss. These programs, implemented in progressive steps, will include items such as:

a.) Member facility self-inspections supplemented by those conducted by the Fund’s Safety Director;

b.) Seminars or other training programs directed at specific areas of municipal operations from which losses are likely to occur;

c.) Promotional safety incentive programs stressing safety in all areas of municipal operations and offering incentives for active participation by all Fund members.

13.) Aggregate Excess Loss Contingency Fund

In November of 1996, the Department of Banking and Insurance adopted administrative codes for municipal joint insurance funds like the ACMJIF, reference N.J.A.C. 11:15-2.1 et. seq. One aspect of these new regulations is the requirement that joint insurance funds either buy aggregate excess insurance or budget additional money to be collected from the members in an aggregate excess loss contingency fund. The spirit of this portion of the administrative code is to provide even greater fiscal security to joint insurance funds than the security provided through the funding of loss retention accounts based upon an independent actuarial loss funding model.

The members view this requirement as supporting their primary objective to stabilize costs. The history of the Fund is to purchase aggregate excess insurance whenever possible to protect against a series of losses. However, the Fund has also observed that this is not always possible and

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has instead budgeted an additional amount of money as loss fund contingency in those years when aggregate excess insurance was either not available or too costly to consider. For the members, the Aggregate Excess Loss Contingency Fund is simply a new name for an established practice and the ACMJIF will continue its practice of budgeting extra money in the absence of commercially available aggregate excess insurance but will now refer to these monies as the Aggregate Excess Loss Contingency Fund.

The administrative code defines the Aggregate Excess Loss Contingency Fund as a separate fund which is always accounted for in the current fund fiscal year. The monies are set aside for a period of at least two years to pay for claim activity that exhausts loss funds in a claim retention account in the original fund year in which the monies were set aside. The code also defines the minimum statutory funding for this aggregate loss fund account and specifically states that nothing in the law shall prevent a joint insurance fund from funding this account at a higher level. Both the statute and administrative code governing the ACMJIF also require that any surplus and/or deficit in every retention account for each year is owned by the members who were a part of that year according to the percentage that their individual total contribution bears to the budget in that year. Contributions made to the Aggregate Excess Loss Contingency Fund are no different in this regard.

However, the Aggregate Excess Loss Contingency Fund is different than other loss retention accounts in two fundamental ways; the manner in which the ACMJIF must account for the funds and its use across all years by individual members. Because the Aggregate Excess Loss Contingency Fund moves from the current fiscal year forward to the succeeding fiscal year in its entirety and the statutory minimum funding associated with a specific fund fiscal year must be retained for a minimum of two years, this fund must always be accounted for on an individual member basis showing both a member’s statutory encumbered portion and their statutory unencumbered portion.

As discussed above, the Aggregate Excess Loss Contingency Funds are intended to provide an immediate response to the need to replenish money in a loss fund account where the original loss funding has been consumed. It is also true that over time if the value of the projected ultimate cost of claims within a loss retention account as defined by the claims administrator added to the Incurred But Not Reported (IBNR) values developed by the actuary do not exceed the original loss funding within a loss retention account after two years, the administrative code permits but does not mandate a full return of those aggregate excess loss contingency funds to their member owners. Thus, the aggregate excess loss contingency funds that are surplus and not yet returned can be used by members to pay for additional money needs in any fund year when and if needed. This provides members with the opportunity to accrue surplus

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aggregate excess loss contingency funds and use them across all fund years in much the same way they have used the Loss Fund Contingency money in earlier budgets as a safeguard across multi-line retention accounts in a given fund fiscal year.

In this regard, the Aggregate Excess Loss Contingency Fund is in part a protection against adverse development for both specific retention accounts as well as providing protection on a multi-year and multi-line loss basis.

The administrative code specifically permits a member to use released surplus funds in loss retention accounts to either take them in the form of a return of surplus or to be applied toward the payment of a future premium. As the unencumbered portion of the Aggregate Excess Loss Contingency Fund is an individual member owned surplus account, members with accrued surplus in this account can likewise use these funds in the same way.

Finally, the ACMJIF views the Aggregate Excess Loss Contingency Fund as a better version of the old Loss Fund Contingency. We believe it provides a stronger vehicle through which members can build a financial bank against adverse development on a multi-year and multi-line basis. It is the hope of the ACMJIF that members will use this fund to provide themselves with a financial vehicle through which they can manage an additional assessment with no cost to their municipality or pay future insurance premiums to stabilize costs, or both.

14.) Committee Charters

Appendix I of the Plan of Risk Management contains Committee Charters for the Claims Review, Coverage, Employment Practices, Finance, Nominating, Strategic Planning, and Safety Committees.

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This Resolution was duly adopted by the Atlantic County Municipal Joint Insurance Fund at a public

meeting held on January 16, 2019


BY: __________________________________

ATTEST: _____________________________

CHAIRMAN SECRETARY

DATE: ______________________________

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F:\DATA\Risk\WINWORD\ACMJIF\CHARTERS\2019 Charters\Claims Review.doc Atlantic County Municipal Joint Insurance Fund

P.O. Box 488, Marlton, New Jersey 08053 · P: 856-446-9100 · F: 856-446-9149 · www.acmjif.org

Claims Review Committee Charter

The Atlantic County Municipal Joint Insurance Fund (ACM JIF) Executive Committee hereby constitutes and establishes a Claims Review Committee:

Composition

1. Members of the Committee shall be appointed by the Chair and shall serve at the pleasure of the Chair.

2. A member of the Executive Committee shall serve on the Claims Review Committee.

3. Serving on the Committee shall be the Fund Attorney, the Fund Claims Administrator and a representative from the Administrator’s office.

4. Risk Management Consultants may serve as deemed appropriate by the Executive Committee Chair.

Authority and Responsibility

The Claims Review Committee is to serve as the focal point for communication between the Claims Administrator and the Fund Commissioners. The Committee will also review all Payment Authorization Requests (PARs) and review litigation strategies with the Fund’s Attorney. The Claims Review Committee shall advise the Executive Committee regarding claims administration and payments.

Claims Review Committee Bylaws

The Claims Review Committee of the ACM JIF was established by charter approved by motion of the JIF’s Executive Committee on April 19, 1995. The Committee's operational guidelines are set down herein and may be amended by majority vote of the Executive Committee.

Meetings

The Committee is to meet on a monthly basis or as many times per year as the Committee Chair deems necessary.

Attendance

Members of the Committee are to be present at all meetings. As necessary or desirable, the Chair may request that other Fund Commissioners, Fund Professionals or consultants attend to participate in discussions of particular issues.

A representative of the Administrator's office shall attend all meetings and shall serve as staff to the Claims Review Committee.

Minutes

Minutes of each meeting are to be prepared and approved by the Committee members and provided to the Executive Committee.

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Specific Duties

The Claims Review Committee is to:

(1) Report to the Executive Committee on the progress of claims whose payments exceed $5,000 as presented in Payment Authorization Requests (PARs) and on the progress of claims in litigation.

(2) Identify long range claims administration issues which need to be discussed, acted upon, and eventually implemented in order to ensure the viability, growth, and integrity of the JIF.

(3) Recommend to the Executive Committee the retention or replacement of claims administration vendors and/or attorneys and provide a written summary of the basis of such recommendations.

(4) Apprise the Executive Committee, through minutes and special presentations as necessary, of significant developments in the course of performing the above duties.

(5) Report at least annually to the Executive Committee on the discharge of the above responsibilities.

(6) Perform additional duties as assigned by the Executive Committee related to this Charter and the discharge of duties as assigned above.

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Coverage Committee Charter

The Atlantic County Municipal Joint Insurance Fund (ACMJIF) Executive Committee hereby constitutes and establishes a Coverage Committee:

Composition


2. A member of the Executive Committee shall serve on the committee.

3. Serving on the Committee shall be the Fund Actuary, Fund Attorney and a representative from the Administrator’s office.



The Coverage Committee is to serve as a focal point for discussion on issues pertaining to coverage, underwriting, and reinsurance. The Coverage Committee shall advise the Executive Committee on issues pertaining to coverage requirements of members of the JIF, coverage issues in the insurance industry which should be addressed by the JIF, the efficiency and clarity of communications between the JIF and the members regarding coverage issues, the proposed role of the JIF in addressing areas of insurance outside of its normal purview, retention and reinsurance issues, and underwriting guidelines.

Coverage Committee Bylaws

The Coverage Committee of the ACMJIF was established by charter approved by motion of the JIF’s Executive Committee on April 19, 1995. The Committee's operational guidelines are set down herein and may be amended by majority vote of the Executive Committee.

Meetings

The Committee is to meet as many times per year as the Committee Chair deems necessary, but no less than quarterly, at the discretion of the Chair.

Attendance

Members of the Committee shall be present at all meetings. As necessary or desirable, the Chair may request that other Fund Commissioners, Fund Professionals or consultants attend to participate in discussions of particular issues.

A representative of the Administrator's office shall attend all meetings and shall serve as staff to the Committee.

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Minutes


Specific Duties

The Coverage Committee is to:

(1) Oversee the implementation of coverage, underwriting, and retention and reinsurance guidelines.

(2) Monitor the existing coverages of the JIF to determine whether existing coverage is adequate and appropriate; and evaluate whether changes in members’ needs and/or loss patterns necessitate changes to existing coverage.

(3) Identify and evaluate emerging techniques for transfer of risk which could be adopted by the JIF in order to enhance the protection of the JIF’s assets and, by extension, the financial interests of members of the JIF.

(4) Review the retention structure of the JIF to determine whether changes in the structure is needed in order to improve coverage or to achieve economies.




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Employment Practices Liability Committee Charter

The Atlantic County Municipal Joint Insurance Fund (ACMJIF) Executive Committee hereby constitutes and establishes an Employment Practices Liability Committee.

Composition

1. Serving on the Committee shall be the Chairs of the Claims Review Committee, Coverage Committee, Finance Committee, Operations & Planning Committee, and Safety Committee.

2. A member of the Executive Committee shall serve on the committee.

3. At least two additional Fund Commissioner shall be appointed by the Executive Committee Chair

4. Serving on the Committee shall be the Fund Attorney, Fund Claims Administrator, Safety Director, and a representative from the Administrator’s office.


The Committee is to serve as a focal point for discussion on issues pertaining to employment practices liability claims. The Committee shall advise the Executive Committee on issues pertaining to the source, amount, and types of claims and their financial impact on members, on the ACMJIF, and on the MEL. The Committee shall review observational, statistical, and historical information presented by the Fund Professionals and shall recommend policies to be adopted and actions to be taken to eliminate, reduce, or mitigate the financial impact of these claims on the membership.

The Employment Practices Liability Committee shall also serve as the focal point for discussions on issues pertaining to Technology Liability. The Committee shall advise the Executive Committee on issues pertaining to the source, number, and types of claims impacting members. The Committee shall review observational, statistical, and historical information presented by the Fund Professionals and shall recommend policies to be adopted and actions to be taken to eliminate, reduce, or mitigate the financial impact of these claims on the membership.

Coverage Committee Bylaws

The Employment Practices Committee of the ACMJIF was established by charter approved by motion of the JIF’s Executive Committee on December 15, 2010. The Committee's operational guidelines are set down herein and may be amended by majority vote of the Executive Committee.

Meetings


Attendance

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A representative of the Administrator's office shall attend all meetings and shall serve as staff to the Committee.

Minutes

Minutes of each meeting are to be prepared and approved by the Committee Chair and provided to the Executive Committee.

Specific Duties

The Employment Practices Liability Committee is to:

(1) Monitor existing claims trends to determine the source, amount, and types of claims being incurred by ACMJIF members and MEL members statewide.

(2) Develop policies to be adopted and actions to be taken to eliminate, reduce, or mitigate the financial impact of these claims on the membership

(3) Determine whether existing measures are adequate and appropriate to prevent claims and evaluate whether changes in members’ needs and/or loss patterns necessitate changes to existing policies.

(4) Identify and evaluate emerging techniques for mitigation of risk which could be adopted by members in order to enhance the protection of JIF finances and, by extension, the financial interests of members of the JIF.

(5) Oversee the creation of training programs designed to educate elected officials, managers and supervisors, and employees with respect to the role they play in the prevention and mitigation of employment claims.

(6) Review individual member claims records and recommend remedial actions to be taken by the member including training, adoption of policies, or utilizing resources available through the JIF/MEL or labor counsel. Recommend members for probation in accordance with policies recommended by the MEL and adopted by the ACMJIF.

(7) Review policies and directives issued by the MEL or excess carriers and communicate as necessary with the Executive Committee and the membership at large and oversee the implementation of coverage, underwriting, and retention guidelines.




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Finance Committee Charter

The Atlantic County Municipal Joint Insurance Fund (ACM JIF) Executive Committee hereby constitutes and establishes a Finance Committee:

Composition


2. A member of the Executive Committee shall serve on the Finance Committee.

3. Serving on the Committee shall be the Fund Actuary, Fund Auditor, Fund Treasurer and a representative from the Administrator’s office.


The Finance Committee is to serve as the focal point for communication between the Fund's Commissioners and the Fund's professionals for the development of an annual budget. The Finance Committee shall work with the Fund's Actuary and with the Fund's Professionals and committees as necessary to develop claims funding, expense funding and funding for special programs.

The Finance Committee will also examine the financial audits of the Fund, as prepared by the Fund’s Auditor in conjunction with the Fund’s Treasurer, Actuary and Claims Administrator. The Finance Committee shall comment on the independence of the Executive Committee's independent auditors, the integrity of management and the adequacy of disclosures to the public. It will serve as a focal point for communication between the independent Auditor, the JIF Treasurer, and Fund Professionals as their duties relate to financial accounting, reporting, and internal controls and compliance. The Committee is to assist in fulfilling responsibility as to accounting policies and reporting practices of the Fund and sufficiency of the auditing function. The Committee shall oversee and advise the Fund Executive Committee regarding the selection of independent auditors. The Executive Committee's access to the independent auditor shall in no way be limited or superceded by the activities of this Committee.

Finance Committee Bylaws

The Finance Committee of the ACM JIF was established by charter approved by motion of the Executive Committee on April 19, 1995. The Committee's operational guidelines are set down herein and may be amended by majority vote of the Executive Committee.

Meetings

The Committee shall meet at least four times per year at the discretion of the Committee Chair to review issues such as the annual audit, the semi-annual financial review, the fund’s budget and assessment allocation strategies.

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Attendance


A representative of the Administrator's office shall attend all meetings and shall serve as staff to the Finance Committee.

Minutes


Specific Duties

The Finance Committee is to:

(1) Review all renewal fees and professional services review worksheets referred by the Fund’s Executive Committee on all of the Fund’s professional service providers including Actuary, Administrative Consultant, Administrator, Attorney, Auditor, Claims Administrator, Safety Director, Treasurer and any other professionals requiring a performance review.

(2) Recommend to the Executive Committee the retention or replacement of Service Providers which may be retained to assist in developing or implementing strategic plans and provide a written summary of the basis for the recommendations.

(3) Review all funding requirements as determined by the Fund's Actuary.

(4) Review all funding levels for programs and miscellaneous and contingency items.

(5) Review assessment strategies at various levels of capping for allocation of the annual assessments to JIF members.




With respect to the Fund’s financial audits, the Committee is to:

(1) Review with the Executive Committee and the Fund's Treasurer the JIF's policies and procedures to reasonably assure the adequacy of internal controls over accounting, administration, compliance with laws and regulations and financial reporting.

(2) Have familiarity, through the individual efforts of its members, with the accounting and reporting principles and practices applied by the JIF in preparing its financial statements. Further, the Committee is to make, or cause to be made, all necessary inquiries of Executive

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Committee and the independent auditor concerning established standards of conduct and performance, and deviations therefrom.

(3) Review, prior to the annual audit, the scope and general extent of the independent auditor's planned examination, including their engagement letter. The auditor's fees are to be arranged with Executive Committee and annually summarized for Committee review. The Committee's review should entail an understanding from the independent auditor of the factors considered by the auditor in determining the audit scope, including:

• Risk characteristics of the JIF • External reporting requirements • Materiality of the various segments of the JIF's combined activities • Quality of internal accounting, administrative and compliance controls • Extent of internal auditor's involvement in audit examination • Other areas to be covered during the audit engagement

(4) Review with Executive Committee the extent of non-audit services planned to be provided by the independent auditor in relation to the objectivity and independence needed in the audit.

(5) Review with Executive Committee and the independent auditor instances where the Executive Committee has obtained "second opinions" on accounting and financial reporting policies from other accountants.

(6) Review with the Executive Committee and the independent auditor, upon completion of their audit, financial results for the year prior to their release to the public. This review is to encompass:

• The JIF’s comprehensive annual financial report, including the financial statements and financial statement and supplemental disclosures required by GAAP and/or the State of New Jersey.

• Significant transactions not a normal part of the JIF's operations. • Selection of and changes, if any, during the year in the JIF's accounting

principles or their application. • Significant adjustments proposed by the independent auditor. • The process used by the Executive Committee in formulating particularly

sensitive accounting estimates and the independent auditor's conclusions regarding the reasonableness of those estimates.

• Any disagreements between the independent auditor and Executive Committee about matters that could be significant to the JIF's financial statements or the auditor's report.

• Difficulties encountered in performance of the audit.

(7) Evaluate the cooperation received by the independent auditor during their audit, including their access to all requested records, data and information. Also, elicit the comments of

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Executive Committee regarding the responsiveness of the independent auditor to the JIF's needs. Inquire of the independent auditor whether there have been any disagreements with the Executive Committee that, if not satisfactorily resolved, would have caused them to issue a nonstandard report on the JIF's financial statements.

(8) Discuss with the independent auditor the quality of the JIF's financial and accounting personnel and any recommendations that the independent auditor may have. Topics to be considered during this discussion include improving internal financial controls, controls over compliance, the selection of accounting principles and the Executive Committee reporting systems.

(9) Review written responses of the Executive Committee to "Letter of Comments and Recommendations" from the independent auditor and discuss with the Executive Committee the status of implementation of prior period recommendations and corrective action plans.

(10) Discuss with the Executive Committee the scope and quality of internal accounting, administrative, compliance, and financial reporting controls in effect.

(11) Perform all of the above duties wherever appropriate relative to the JIF's component units. The Executive Committee may satisfy this duty by relying on the work of a component unit's Finance Committee.


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Nominating Committee Charter

The Atlantic County Municipal Joint Insurance Fund (ACM JIF) Executive Committee hereby constitutes and establishes a Nominating Committee: Composition The Nominating Committee will be comprised of the Chair of the Finance Committee; the Chair of the Claims Committee; the Chair of the Coverage Committee, the Chair of the EPL Committee, the Chair of the Safety Committee, and the Chair of the Strategic Planning Committee. If a Committee Chair is a current member of the Executive Committee then the Committee shall appoint a member of the Committee to serve in the Committee Chair’s position on the Nominating Committee. In addition, the three most recent past Fund Chairs still serving as a Fund Commissioner shall also be members of the Nominating Committee. In no circumstance shall a Nominating Committee member be a current Executive Committee member. The Nominating Committee members will select the Nominating Committee Chair.

Authority and Responsibility The Nominating Committee shall be charged with reviewing and nominating candidates for presentation in the event of a need to elect officers to the Executive Committee. Nominating Committee Bylaws The Nominating Committee of the ACM JIF was established by charter approved by motion of the Executive Committee on April 19, 1995. The committee's operational guidelines are attached hereto and may be amended by majority vote of the Executive Committee. Meetings The committee is to meet as many times per year as the Committee Chair deems necessary in accordance with the Committee’s operational guidelines. All meetings shall be scheduled a minimum of 21 days ahead of the proposed meeting date to optimize attendance. Attendance Members of the committee shall be present at all meetings when possible. If, however, upon receipt of the meeting notice, an appointed representative is unable to attend the meeting, it shall be the responsibility of the representative to contact the Executive Director’s office immediately, but no less than two weeks prior to meeting date, and advise them of their unavailability to attend the meeting. If three or more representatives are unable to make the scheduled meeting, the Executive Director’s office shall reschedule the meeting. Minutes Minutes of each meeting are to be prepared and approved by the Committee Chair and provided to the Executive Committee.

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Nominating Committee Charter Page 2

F:\DATA\Risk\WINWORD\ACMJIF\CHARTERS\2019 Charters\Nominating.doc Atlantic County Municipal Joint Insurance Fund


Specific Duties The Nominating Committee is to:

(1) Compile and submit to general membership a slate of candidates to serve as Chair, Secretary, Executive Committee and Alternate Executive Committee members.

(2) Conduct an election in accordance with any operational guidelines established by the membership.



(5) Perform additional duties as assigned by the Executive Committee related to the above Charter and discharge of duties as assigned above.

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Safety Committee Charter

The Atlantic County Municipal Joint Insurance Fund (ACMJIF) Executive Committee hereby constitutes and establishes a Safety Committee:

Composition


2. A member of the Executive Committee shall serve on the Safety Committee.

3. Serving on the Committee shall be the Fund Safety Director, Wellness Director, and a representative from the Administrator’s office.



The Safety Committee is to serve as a focal point for communication between the ACMJIF, the Executive Director/Administrator, the Safety Director, and member municipalities. The Safety Committee shall also serve as a focal point for communication between the ACMJIF, the Executive Director/Administrator, the Wellness Director, and member municipalities. The function of the Committee is advisory in nature and is not intended to infringe upon the responsibility of the Safety Director, Wellness Director, or employees of member towns. The Safety Committee shall advise the Executive Committee on safety and wellness related policies, performance of municipalities in terms of safety and wellness, and of the individual firms responsible for reporting on same. The Safety Committee shall also work with the Executive Director, Wellness Director, and the Safety Director in attempting to identify services that may be provided by the Joint Insurance Fund to member municipalities in order to reduce the risks of accidents to member employees and volunteers and improve the overall health and wellness of member employees and volunteers to reduce the risk of accidents and decrease the severity of injuries associated with those accidents..

Safety Committee Bylaws

The Safety Committee of the ACMJIF was established by charter approved by motion of the JIF’s Executive Committee on April 19, 1995. The Committee's operational guidelines are set down herein and may be amended by majority vote of the Executive Committee.

Meetings


Attendance


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Safety Committee Charter Page 2

F:\DATA\Risk\WINWORD\ACMJIF\CHARTERS\2019 Charters\SAFETY.doc Adopted: 4/19/95 Amended 7/20/16

2

A representative of the Administrator's, Wellness, and Safety Director’s office shall attend all meetings and shall serve as staff to the Safety Committee.

Minutes

Minutes of each meeting are to be prepared and approved by the Safety Committee members and provided to the Executive Committee.

Specific Duties

The Safety Committee is to:

(1) Develop with the Executive Director and the Safety Director on-going and annual safety programs, which shall provide for the planning, organization, control and leadership of the JIF’s directed safety efforts.

(2) Develop with the Executive Director and the Wellness Director on-going wellness programs that shall provide for the planning, organization, control, and leadership of the JIF’s directed wellness efforts.

(3) Identify and analyze loss exposures and claims information for the JIF as a whole and for individual members to determine where resources should be directed to reduce claims.

(4) Examine alternative risk techniques to determine the most efficient method for reducing the risk of loss.

(5) Recommend to the Executive Committee any appropriate expenditures on programs or services which, in the opinion of the Committee, will likely result in long-term savings for the JIF.

(6) Implement, monitor and evaluate all safety and wellness programs, services and vendors.

(7) Recommend to the Executive Committee the retention or replacement of safety and/or wellness vendors and provide a written summary of the basis of such recommendations.




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F:\DATA\Risk\WINWORD\ACMJIF\CHARTERS\2019 Charters\Strategic Planning.doc Atlantic County Municipal Joint Insurance Fund


Strategic Planning Committee Charter The Atlantic County Municipal Joint Insurance Fund (ACMJIF) Executive Committee hereby constitutes and establishes a Strategic Planning Committee:

Composition


2. A member of the Executive Committee shall serve on the Strategic Planning Committee.

3. Serving on the Committee shall be a representative from the Administrator’s office.


The Strategic Planning Committee is to serve as the focal point for communication between the Administrator, the Fund Commissioners, and any other professionals regarding long range strategies which should be pursued in order to ensure the integrity, growth, and viability of the Joint Insurance Fund. The Strategic Planning Committee shall advise the Executive Committee regarding long term strategies and planning considerations.

Strategic Planning Committee Bylaws

The Strategic Planning Committee of the ACMJIF was established by charter approved by motion of the JIF’s Executive Committee on January 18, 2012. The Committee's operational guidelines are set down herein and may be amended by majority vote of the Executive Committee.

Meetings

The Committee is to meet as many times per year as the Committee Chair deems necessary, at the discretion of the Chair.

Attendance


A representative of the Administrator's office shall attend all meetings and shall serve as staff to the Strategic Planning Committee.

Minutes

Minutes of each meeting are to be prepared and approved by the committee members and provided to the Executive Committee.

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Strategic Planning Committee Charter Page 2

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Specific Duties

The Strategic Planning Committee is to:

(1) Develop a plan for implementation of long term strategies for the Fund.

(2) Report to the Executive Committee on the progress regarding selection and implementation of the plan and monitor strategy for implementation.

(3) Identify long range planning issues which need to be discussed, acted upon, and eventually implemented in order to ensure the viability, growth, and integrity of the Joint Insurance Fund.

(4) Review the collective organizational structure of the JIF and its servicing agents to assure that it represents a balance of values including flexibility, participation, efficiency and effectiveness which should be weighed in maintaining a healthy organizational structure.




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DESIGNATION OF CERTIFYING AND APPROVING OFFICER FOR THE PAYMENT OF CLAIMS

Whereas, the Atlantic County Municipal Joint Insurance Fund (ACMJIF) has been organized pursuant to NJSA 40A:10-36 et seq.; and

Whereas, the ACMJIF is duly constituted as a Municipal Self Insurance Fund to provide insurance coverage to its member municipalities; and

Whereas the Administrative Code (N.J.A.C. 11:15-2.22) regulating the operation of Joint Insurance Funds requires that all disbursements for the payment of claims must be approved by a majority of the Fund Commissioners or the Executive Committee thereof; and

Whereas, the Fund Commissioners may designate a Certifying and Approving Officer pursuant to N.J.S.A. 40A: 5-17 to allow for the expeditious resolution of claims in an amount not to exceed an amount approved by the Commissioner of the Department of Banking and Insurance in the Plan of Risk Management, and

Be It Hereby Resolved that the Commissioners here assembled appoints the Claims Administrator as the Certifying and Approving Officer for the Fund.

Be It Further Resolved, that by adopting this resolution appointing a Certifying and Approving Officer, the Plan of Risk Management for Fund Year 2019 is amended to include this designation of a Certifying and Approving Officer, and

Be It Further Resolved that copies of this Resolution shall be provided to the Administrator, Claims Administrator, and Fund Attorney of the Atlantic County Municipal Joint Insurance Fund for their information and attention.

This resolution was duly adopted by the Atlantic County Municipal Joint Insurance Fund at a public meeting held on January 16, 2019


BY: __________________________________ ATTEST: _____________________________


DATE: ______________________________

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RESOLUTION NO. 2019 - 16

RESOLUTION AUTHORIZING THE ATLANTIC COUNTY MUNICIPAL JOINT INSURANCE FUND’S PARTICIPATION IN THE NEW JERSEY

MUNICIPAL EXCESS LIABILITY JOINT INSURANCE FUND NAMED STORM DEDUCTIBLE RISK SHARING PROGRAM

Whereas, the Atlantic County Municipal Joint Insurance Fund (hereinafter the “ACMJIF”) is a member the of the Municipal Excess Liability Joint Insurance Fund (hereinafter the “MEL”) Whereas, the MEL provides excess property coverage underwritten by Zurich Insurance Company to various member Joint Insurance Funds; and Whereas, as respects loss or damage caused by or resulting from a “Named Storm”, any covered property in Atlantic, Ocean, Monmouth, and Burlington Counties located east of the Garden State Parkway, and any covered property in Cape May County is subject to a Property Damage deductible of 1% of the value per the Schedule of Values for the “Location” where the direct physical loss or damage occurred, per “occurrence”; and Whereas, as respects loss or damage caused by or resulting from a “Named Storm”, any covered property in Atlantic, Ocean, Monmouth, and Burlington Counties located east of the Garden State Parkway, and any covered property in Cape May County is subject to a Time Element deductible of 1% of the full 12 months Gross Earnings or Gross Profit values that would have been earned following the “Occurrence” by use of the facilities at the “Location” where the direct physical loss or damage occurred and all other “Locations” where Time Element loss ensues, per “occurrence”; and Whereas, the above deductibles (hereinafter the “NAMED STORM DEDUCTIBLE RISK SHARING PROGRAM”) are subject to a minimum deductible of $500,000 for Property Damage and Time Element, combined, per Location, and a maximum deductible of $1,000,000 per occurrence; and Whereas, for purposes of this resolution, a “Named Storm” means: Any storm or weather disturbance that is named by the U.S. National Oceanic and Atmospheric Administration (NOAA) or the U.S. National Weather Service or the National Hurricane Center or any comparable worldwide equivalent; and Whereas, a “Named Storm” also includes “Storm Surge”; and Whereas, for purposes of this resolution, covered property shall not include vehicles; and Whereas, the Atlantic, Burlington, Central, FIRST, Mid Jersey, Monmouth, NJPHA, and Ocean JIFs have members subject to this deductible; and

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Whereas, the Board of Fund Commissioners of the ACMJIF recognizes that its members could bear a financial hardship in event of a “Named Storm” as a result of this deductible; and Whereas, the MEL has agreed to act as a lead agency to administer an agreement between member JIFs subject to this deductible. Now, Therefore Be It Resolved that the Board of Fund Commissioners of the ACMJIF resolve to enter into an agreement with other members JIFs subject to the NAMED STORM DEDUCTIBLE RISK SHARING PROGRAM subject to the following provisions: 1. In the event of a covered loss subject to the NAMED STORM DEDUCTIBLE

RISK SHARING PROGRAM, the JIFs that are parties to this agreement shall contribute to the total amount of the deductible pro rata based on each JIFs reported values for all properties subject to the NAMED STORM DEDUCTIBLE RISK SHARING PROGRAM. The reported values for all properties subject to the NAMED STORM DEDUCTIBLE RISK SHARING PROGRAM will be established in May of each year; and

2. The first $5,000 of loss from each member location shall not be subject to this

sharing provision; and 3. This sharing provision shall be subject to only insured property at insured

locations; and 4. To be eligible for reimbursement under this agreement, the member shall file a

claim with FEMA, including any National Flood Insurance Program policies, and the reimbursement under this agreement shall be reduced by the amount of such reimbursement.

Be it further resolved that a copy of this Resolution be provided to the ACMJIF Executive Director’s office, the ACMJIF Underwriter, the MEL Executive Director, the MEL Underwriting Office. This Resolution was duly adopted by the Atlantic County Municipal Joint Insurance Fund

at a public meeting held on January 16, 2019. ATLANTIC COUNTY MUNICIPAL JOINT INSURANCE FUND BY: __________________________________ ATTEST: _____________________________


DATE: ______________________________

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(ACMJIF) RESOLUTION #2019-17

A RESOLUTION AUTHORIZING AN INTERIM SERVICE CONTRACT WITH ARTHUR J. GALLAGHER RISK MANAGEMENT SERVICES, INC. TO SERVE AS THE ADMINISTRATOR OF THE FUND FOR A TERM OF NINETY (90)

DAYS UNDER THE “NON-FAIR AND OPEN” PROCESS. WHEREAS, the Atlantic County Municipal Joint Insurance Fund has been organized pursuant to N.J.S.A. 40A:10-36 et. seq.; and WHEREAS, the Fund Commissioners of the Atlantic County Municipal Joint Insurance Fund find that it is necessary and appropriate to obtain the professional services of Administrator in accordance with NJSA 40A:11-5 et seq.; and

WHEREAS, the Fund Commissioners of the Atlantic County Municipal Joint Insurance Fund (ACMJIF) have authorized a Request for Proposals (RFP) to be advertised for the position of Administrator of the Fund, and the Fund Commissioners have determined that while the RFP process is being completed, it is necessary and appropriate for the Fund to enter into an Interim Service Contract with Arthur J. Gallagher Risk Management Services, Inc. for ninety (90) days commencing January 1, 2019 and ending March 31, 2019; and WHEREAS, it is deemed to be in the best interest of the ACMJIF that an Interim Service Contract be entered into with Arthur J. Gallagher Risk Management Services, Inc. to serve as the Administrator of the Fund in accordance with the terms and conditions of the Interim Service Contract which is attached hereto as Exhibit “A”, and that the Interim Service Contract shall be awarded under the “Non-Fair and Open” process; and WHEREAS, it is deemed to be in the best interest of the ACMJIF to authorize the Fund Chairperson and Secretary to execute the Interim Service Contract attached hereto as Exhibit “A”. NOW, THEREFORE, BE IT RESOLVED, by the Commissioners of the Atlantic County Municipal Joint Insurance Fund assembled in a public session on January 16, 2019, that the Fund Chairperson and Fund Secretary are hereby authorized, empowered and directed to execute the Interim Service Contract with Arthur J. Gallagher Risk Management Services, Inc. which is attached hereto as Exhibit “A” under the “Non-Fair and Open” process. BE IT FURTHER RESOLVED that a copy of this Resolution shall be provided to the Administrator, Solicitor, and Claims Administrator of the Atlantic County Municipal Joint Insurance Fund for their information and attention. This Resolution was duly adopted by the Atlantic County Municipal Joint Insurance Fund at a public meeting held on January 16, 2019.


Attest:______________________ By:______________________________ Secretary Chairperson

Date: January 16, 2019

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RESOLUTION NO. 2019 - 17

RESOLUTION AUTHORIZING REIMBURSEMENT OF TRAVEL EXPENSES FOR AUTHORIZED OFFICIAL TRAVEL

WHEREAS, N. J. S. A. 40A:5-16.1 permits the governing body of any local unit to authorize payment in advance toward expenses for authorized official travel, and;

WHEREAS, up to Two (2) Fund Commissioners of the Atlantic County Municipal Joint Insurance Fund, hereinafter referred to as the ACMJIF, may need to travel to the PRIMA Conference or AGRIP Conference during Fund Year 2019 for the purpose of attending a seminar on public entity risk management and pooling; and;

WHEREAS, the Treasurer of the ACMJIF has certified that funds are available from the 2019 expense budget in the amount of $2,500 per attending commissioner, including seminar registration costs which will be pre-paid by the ACMJIF, and;

WHEREAS, the Treasurer of the ACMJIF is authorized to issue payment in the amount of $25 per conference attendee to the Executive Director, if the expense is so incurred, for payment of Fund Commissioners’ meals at the PRIMA and AGRIP Conferences, and;

WHEREAS, the authorized Commissioners representing the ACMJIF at either conferences will verify their expenses in accordance with the attached Travel and Expense Reimbursement Policy and Conference Attendance Policy, a copy of which is attached hereto and incorporated herein by reference, with a detailed bill of items or demands, and the certification of affidavit required by N. J. S. A. 40A:5-16 which will be submitted within a reasonable period of time after the completion of the travel for which the advance was made.

NOW THEREFORE BE IT RESOLVED, that the Treasurer is hereby authorized to reimburse authorized Fund Commissioners up to $2,500 in expenses, including seminar registration costs which will be pre-paid by the ACMJIF, for attendance at the PRIMA and AGRIP conferences; and

BE IT FURTHER RESOLVED that the Treasurer is hereby instructed to make payment to the Executive Director, if the expense is so incurred, in the amount of $25 per conference attendee for payment of Commissioners’ meals at the PRIMA and AGRIP Conferences

This Resolution was duly adopted by the Atlantic County Municipal Joint Insurance Fund at a public meeting held on January 16, 2019


BY: __________________________________ ATTEST: _____________________________

CHAIRMAN SECRETARY

DATE: ______________________________

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Travel and Expense Reimbursement Policy

Persons authorized to travel on official business are encouraged to exercise the same care in incurring expenses that they would if traveling on personal business at their own expense. Excessive and unnecessary travel and other expenses shall not be approved or reimbursed. Travel routes should be planned so that minimum amounts of travel and expense are involved. Participants shall be responsible for making their own travel arrangements. Expenditures for official travel are reimbursable if incurred in accordance with these guidelines. I. Conference Registration

Cost of registration for any conference or seminar shall be paid in advance by the Fund.

II. Transportation1 A. Air Travel

The Fund shall reimburse participants for the full cost of travel by air (if appropriate). The maximum amount reimbursable for air travel shall be the standard fare for travel commencing the day before the conference begins and end on the day after the conference ends.

B. Car Travel The Fund shall reimburse participants for the actual costs of all tolls and parking expenses. In addition, the Fund shall reimburse members at the prevailing IRS rate of reimbursement per mile for each mile traveled.

III. Lodging2 The Fund shall reimburse participants for the cost of lodging at conference rates. The maximum amounts reimbursable for hotel accommodations shall be conference rates for evenings commencing day before the conference begins and ending the day after the conference ends. Expenses for laundry, valet, entertainment, room service, and other charges of a similar nature are considered personal charges and shall not be reimbursed.

IV. Meals The Fund shall reimburse participants for all meals incurred during the course of travel and while attending the conference. Meal reimbursement is subject to a maximum rate per diem. Maximum per diem is $70.00.

V. Related Expenses The Fund shall reimburse participants for necessary incidental expenses incurred during the course of travel. These shall include airport shuttle services to and from airports; shuttle services to and from hotels to airports, portage, and parking expenses (if appropriate). The Fund will reimburse taxi expenses for transportation to and from hotels and airports and for transportation to and from conference events only in cases where shuttle services are unavailable. All other taxi expenses are considered personal charges and shall not be reimbursed.

VI. Reimbursement Under normal conditions, persons authorized to travel on official business shall provide themselves with sufficient funds of their own to cover all current expenses. To receive reimbursement for travel related expenses, participants shall submit all receipts and other evidence of allowable expenses to the Fund’s Treasurer with a completed voucher. The Treasurer shall approve all expenses in accordance with the Fund’s guidelines.

1 Maximum expenses for both transportation and hotel lodging expenses shall not exceed the combined total cost of standard airfare and lodging at conference rates. 2 See 1.

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F:\DATA\Risk\WINWORD\ACMJIF\POLICIES\Conference Attendance Policy Final 081109.doc

ATLANTIC COUNTY MUNICIPAL JOINT INSURANCE FUND Administrative Polices & Procedures

Date Adopted: _8/19/2009____

POLICY: Conference Attendance PURPOSE: To Establish a Protocol for Attendance at Various Training Conferences

***************************************************** It is the practice of the Atlantic County Municipal Joint Insurance Fund to encourage the further education of its members in Risk Management issues by providing a limited number of Fund Commissioners an opportunity to attend various conferences during a Fund Year. These conferences include those offered by Public Risk Management Association (PRIMA) and the Association of Government Risk Insurance Pools (AGRIP). Each fall, the Finance Committee, in consultation with the Executive Committee, shall prepare the annual Conference budget and set forth the total number of available openings for conference attendance the following year.

Because the Fund affords a limited number of Fund Commissioners an opportunity to attend these conferences, and it is possible that more Commissioners may wish to attend a conference then positions are available, it is important that the Fund have a procedure establishing clear guidelines and preferences for Commissioner Attendance.

ANNUAL PRIMA CONFERENCE The following procedure shall be followed in determining the Fund Commissioners who attend the Annual PRIMA Conference:

1. In January of each year, the Executive Director’s office shall notify the members of the Executive Committee, Alternates, and Standing Committee Chairs in writing of the opportunity to attend the Annual PRIMA Conference. Responses to the invitations from the above referenced individuals must be received in writing by the Executive Director’s Office no later than February 1st.

2. Priority to attend the Conference shall be given to the Fund Chair, Secretary, Executive Committee members, Alternate Executive Committee members and then Committee Chairs in that order, who respond in writing by the February 1st deadline. Priority among members of the Executive/Alternate Executive Committee shall be determined based upon their order of seniority as determined by their position on the Executive Committee. Priority among the Committee

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Chairs who are not Executive/Alternate Executive Committee members shall be determined based on the date of their response.

3. In the event that positions to attend the Annual PRIMA Conference remain unfilled after invitations have been extended to the Executive Committee, Alternates, and Standing Committee Chairs, the Executive Director’s Office, at the February Executive Committee Meeting, shall provide written notification to the general membership of the availability of positions to attend the conference.

4. All responses must be received in writing by the Executive Director’s Office no later than March 1st. General membership attendees will be determined based upon the date of their response to the February announcement on a first come first served basis.

5. No additional announcements of the availability of positions to attend the PRIMA Conference shall be made after the February Executive Committee meeting.

6. In the event that funded positions for attendance at the PRIMA Conference are unused, additional members may attend one or more of the remaining AGRIP Conferences as long as the total number of attendees for all conferences does not exceed that which is budgeted for the Fund Year.

AGRIP CONFERENCE The following procedure shall be followed in determining the Fund Commissioners eligible to attend any of the AGRIP Conferences.

1. In January of each year, the Executive Director’s office shall notify in writing the members and alternate members of the Executive Committee, as well as the Chairs of the Standing Sub Committees, of the AGRIP Conferences scheduled for the Fund Year requesting that each Commissioner notify the Executive Director’s office in writing of any of the conferences they would like to attend. If more than one conference is requested, preference must be indicated by the individual.

2. The Executive Director’s office shall keep track of the date of, number of, and specific AGRIP conference that the Commissioners wish to attend along with the date they responded.

3. In the event that more Fund Commissioners ask to attend a conference than positions available, priority shall be given in the following order: Fund Chair Fund Secretary Executive Committee members in their order of succession Alternate Executive Committee members in their order of

succession

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4. Priority among the Committee Chairs who are not Executive/Alternate Executive Committee members shall be determined based on the date of their response. However, further priority shall be given to the above individuals who are not scheduled to attend a conference during the current Fund Year.

4. Due to the AGRIP Conferences being held periodically during the year, the Executive Director’s office shall send reminders of upcoming conferences to the members and alternate members of the Executive Committee, as well as the Chairs of the Standing Sub Committees, of upcoming conferences and any available positions to attend these conferences.

5. In the event that funded positions for attendance at the Spring AGRIP Conference are unused, additional members may attend one or more of the remaining AGRIP Conferences as long as the total number of attendees does not exceed that which is budgeted for the Fund Year.

REIMBURSEMENT GUIDELINES 1. Each attendee at a PRIMA or AGRIP conference shall be eligible to

be reimbursed by the Fund as defined in the Fund’s Travel & Reimbursement Policy adopted by the Fund at its Annual Reorganization meeting.

2. Prior to receiving a final reimbursement from the Fund, attendees at each conference shall provide the membership, at the next Executive Committee meeting following their return, with a synopsis of the seminars they attended. Any written materials that the attendee brings from the conference will be made available to the Executive Director’s office for copying and distribution to any Fund Commissioner upon their request.

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Liability claims 101

Lessons Learned from Losses Monthly Newsletter - January 2019

TYPES: • Trip/slips/falls resulting in injury to a member of the public • Damage to someone else’s property • Police cases; excessive force, false arrest, wrongful detention • Claimed damage from potholes or due to weather/road conditions • Improper signage or view obstructions • Auto liability is when it is claimed that a municipal vehicle caused

injuries or damage to someone or something What do you do? • Gather information at the scene • Report any potential or known claim to us as soon as possible • Never admit liability. • Simply advise that you will send the claim into the insurance company.

Examples: • Employee is notified by a resident that she fell walking into the municipal

building. She wasn’t badly hurt, but felt sore. The employee immediately had the resident point out the area where she fell. The employee then inspected the area for problems and took photos to document that the area was clean and dry with no defects or dangerous conditions. This enabled us to deny the claim.

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1


JANUARY 2019

CLOSED CASES

1.) Szklarski (a minor) v. Township of Egg Harbor-This matter involved the pre-suit assignment of Defense Counsel. Sophia Szklarski, a minor, alleged that on March 19, 2017, she was lawfully participating in the girls’ softball program offered by the Egg Harbor Township Recreational Program Softball League when she was caused to sustain injuries to her right hand when she was struck by a ball pitched from a mechanical pitching machine during softball practice. The Plaintiff alleged that as a result of the incident, she has suffered serious and permanent injuries. The case was assigned to Robert Merenich, Esquire pre-suit on March 29, 2017 to investigate this incident and coordinate the inspections of the equipment. Defense Counsel confirmed that the insured did not purchase the equipment and that the insured was not the owner of the equipment. Qual-Lynx has now closed their file due to inactivity and will reopen the file if a Complaint is filed prior to the minor Plaintiff turning twenty years of age.

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Employment Practices Liability Committee Meeting Minutes

Wednesday, September 19, 2018 A meeting of the Atlantic County Municipal Joint Insurance Fund Employment Practices Liability Committee was held on Wednesday, December 19, 2018 at 1:30 PM at the Avalon Community Center, Avalon, NJ.

Those in attendance were: Fund Commissioners: Ingrid Perez, Claims Committee Chair, Hamilton Township

Peter Miller, Coverage Committee Chair, Egg Harbor Township Rich Hirsch, Strategic Planning Committee Chair, Longport Borough Ron Simone, North Wildwood City

Fund Professionals: David DeWeese, Fund Solicitor, The DeWeese Law Firm Paul Forlenza, Deputy Executive Director, AJG Risk Management, Inc. Kris Kristie, Sr. Acct. Rep, AJG Risk Management, Inc.

Those unable to attend: John Armstrong, EPL/POL Committee Chair, Absecon City

Dawn Stollenwerk, Finance Committee Chair, Mullica Township Julie Picard, Safety Committee Chair, Lower Township Linda Kent, City of Estell Manor

These minutes do not necessarily reflect the order in which some items were discussed.

I. EPL/POL Loss Ratio Reports

FY 2012-2017 valued as of 9/30/18 Mr. Forlenza reviewed the EPL/POL Loss Ratio Reports for Fund Years 2012-2017 valued as of September 30, 2018 that were included in the agenda packet. He stated that although there will be development in the more recent years; the Fund’s overall results are trending in a positive direction. Mr. Forlenza then referenced a spreadsheet that depicted the incurred EPL vs. incurred POL results valued as of September 30, 2018 by member. Mr. Forlenza then briefly reviewed the individual Fund Year spreadsheets that depict EPL/POL Incurred Losses vs. Loss Funds for Fund Years 2012-2017 valued as of September 30, 2018 by member. He noted the report depicts the EPL/POL Five Year Average Loss Ratio for the ACMJIF which is 36.7%, which led to the 4% reduction in the 2019 premium and the EPL/POL Six Year Average Loss Ratio for the ACM JIF which is 56.8%. He stated that the carrier is using the JIF’s five year history to gauge the Fund’s performance. The JIF uses the 6 year average loss ratio in allocating premium changes across the membership. Mr. Forlenza also noted that the carrier uses a 55% loss ratio as a “breakeven” point for determining the JIF’s performance. Mr. Forlenza stated that the Loss Ratio Snapshots, inclusive of JIF, MEL, and EPL/POL, were distributed to the Fund Commissioners & their RMC’s at the November meeting.

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ACMJIF Employment Practices Liability Committee Minutes December 19, 2018 Page 2

II. EPL/POL Claims Filed – XL Insurance

A. All Open XL Claims Mr. DeWeese reviewed the status of all open EPL/POL claims files with XL. He noted there are two (2) active/open files still being handled by XL. Each claim is in suit with Defense Counsel assigned. He then discussed the cases in greater detail with the Committee.

B. Open QBE Claims since September 2018 Mr. DeWeese then provided the Committee with an update on open cases with QBE. Mr. DeWeese stated there are 43 open files with QBE; seventeen (17) are in litigation and sixteen (16) have been assigned Defense Counsel. He then briefly reviewed a few of the more troublesome claims.

C. Closed QBE Claims since September 2018 Mr. DeWeese then provided the Committee with an update on the closed cases with QBE. Mr. DeWeese stated that there have been fifteen (15) cases closed since September 2018, with nine (9) of them due to coverage denials, three (3) closed due to inactivity, two (2) settled with payment to the Plaintiff, and one (1) closed with no payment to the Plaintiff.

III. Members of Concern

Mr. Forlenza reminded the Committee that at their last meeting in September they discussed Folsom and Cape May City and that Mr. DeWeese had reported that recent employee issues seemed to have calmed down. Mr. Forlenza asked Mr. DeWeese if there were any new developments. Mr. DeWeese responded that things seemed to be going smoothly and these members can be taken them off of the JIF’s “monitoring” list.

Mr. Forlenza asked Mr. DeWeese if he felt any other members needed to be monitored at this time. Mr. DeWeese responded that no members were of concern at this time.

IV. MEL EPL Plan of Risk Management Program 2019-2020 Program as of December 12, 2018

Mr. Forlenza reminded the Committee that all members needed to recertify their compliance with the MEL’s EPL/POL Plan of Risk Management by the extension date of November 1, 2018 with an effective date of January 1, 2019. He noted there was one (1) member who had not submitted their checklists as of December 6th; however, he received a revised checklist valued as of December 12th indicating all members are now in compliance. Mr. Forlenza noted the EPL Deductible & Coinsurance Letters were emailed to all members on November 13, 2018 and asked that all members be sure to review for accuracy. He also noted that any changes in premiums will be noted in the 2019 Budget Amendment.

V. 2019 EPL/POL Renewal

Mr. Forlenza reminded the Committee that the MEL is entering the second year of a two year contract with QBE. He noted that although the current contract called for a 3.5% statewide increase for 2019, the statewide increase ended up being 2% with a 4% reduction for the ACM JIF due to the JIF’s strong 5 year loss ratio. Mr. Forlenza then directed the Committee to a spreadsheet included in the agenda packet outlining changes in member EPL/POL assessments for 2018 to 2019. He reviewed the premium allocation process with the Committee that the Finance Committee utilized in determining the 2019 assessment changes. Mr. Forlenza then reminded the Committee of his office’s prior discussions with the Underwriter in regards to an overall JIF reevaluation. He noted that his office has concerns that the premium allocation across the MEL JIFs may not accurately reflect the true exposure and losses of all JIFs as the original premium allocation was based upon assessments derived while the MEL was self-

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insuring this line of coverage. As a result, the MEL Professionals will be meeting over the next few months to try and determine what changes need to be made to individual JIF assessments.

VI. 2018-2019 Elected Officials Training Mr. Forlenza stated that in conjunction with the BURLCO and TRICO JIF’s, his office is conducting Elected Officials Training. The MEL will reduce each member’s 2019 MEL Assessment by $250 for each municipal elected official who attends one of the training sessions by March 31, 2019. This credit will also be extended to the member’s CEO (i.e. Municipal Manager or Administrator) again this year. The total credit is limited to 5% of a member’s 2019 MEL Assessment. A Save the Date was emailed to all Clerks, Fund Commissioners, and RMC’s on or about October 5, 2018. Invitations/RSVP’s for the sessions were e-mailed to all Municipal Clerks and Fund Commissioners on November 1, 2018. Mr. Forlenza stated that the sign-in sheets from the December 6, 2018 seminar are posted on the JIF website. He asked that all members review them carefully to be sure that those elected officials that stated they attended the training, actually did, and signed the registration form. The remaining trainings have been scheduled for January 31, 2019 - Nicolosi’s Catering, West Deptford; February 6, 2019 - Merighi’s Savoy Inn, Vineland; and March 21, 2019 - O’Connor’s American Bar & Grille, Eastampton.

VII. Land Use Liability Risk Management Program

Mr. Forlenza noted that the memorandum outlining this program was approved at the June 6th MEL meeting. He explained that this is a training program for members of municipal planning, zoning, and/or land use boards. Mr. Forlenza explained that as originally envisioned, the Program would include a “Train the Trainer” program for Board Solicitors who would attend a training seminar given by a MEL representative. The Solicitors would leave the training with a copy of the Program including a video and would go back and train the board members. Mr. Forlenza explained that the training materials that he received from the MEL included more than 60 PowerPoint slides and referenced various court decisions and legal principles that were somewhat overwhelming. Unfortunately, Mr. Forlenza continued, the MEL changed the training process as originally envisioned. Following the approval of the June 6th memorandum, the MEL changed the “Train the Trainer” program and decided to simply send the training materials to the municipal clerk and ask that they forward the materials to the board(s) solicitor(s) and ask them to train their board members. He noted that he and Mr. DeWeese are concerned that very few board members will ever actually receive the training; therefore, they are working on an alternative process that will hopefully result in more board members actually receiving the training. He noted that to date; only 26 members have board members that qualify for the enhanced coverage. In hopes of developing better more comprehensible training materials, Mr. Forlenza has been condensing the 60 slide training presentation to less than 20 slides. Once he is finished editing this version, he will pass along to Mr. DeWeese for final review, which he is hoping will be in the next few weeks with distribution to Land Use Board members via Municipal Clerk. He reminded the Committee that those who complete the training will qualify for specific coverage which is reimbursement of $50,000 of defense costs if the board member is sued personally in civil court and not otherwise indemnified by the municipality. Many municipalities have an indemnification ordinance. If a town does not have an indemnification ordinance in place, or that ordinance does not include land use board members, then this coverage would be triggered. This coverage also includes up to $50,000 in defense costs if the member is charged criminally and is then acquitted of those charges.

Mr. Forlenza noted he would keep the committee updated as to his progress in this matter.

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ACMJIF Employment Practices Liability Committee Minutes December 19, 2018 Page 4 VII. EPL Helpline

A. Current EPL Helpline Authorized Users Mr. Forlenza noted the EPL Authorized User list is included in the agenda packet. He stated

that this list depicts the current authorized contacts as appointed by Resolution and reported to his office. He asked everyone to please review the list, which will also be presented at the Executive Committee meeting later that afternoon. He reminded the Committee that all changes to the EPL Helpline contacts must be made via Resolution. Please forward these Resolutions to Kris Kristie, along with all contact information for that appointee, so the records can be updated.

B. Enquiron Notifications Mr. Forlenza noted that Enquiron continues to e-mail HR Express Updates to the members

on a regular basis. These included the following notifications/Webinars issued since the Committee’s last meeting:

HR Express Updates: · Making a List, Checking it Twice: Gifts for your Naughty and Nice Employees · How to Handle HR Responsibilities without an HR Department

Webinars: · Pregnancy in the Workplace · #MeToo and You, Navigating the Changes in Social Norms and Legislation · Recruiting and Hiring an All-Star Team · Changing Employee Benefits Landscape · Advanced Cyber Threats: Your HR and IT Superpowers

Alerts: · New Jersey Health Insurance Mandate - 2019 · IRS provides tax inflation adjustments for tax year 2019 · Federal Alert | New Deadline Sexual Harassment Training

Mr. Forlenza then stated that the MEL has been speaking with QBE, who pays for the Enquiron service; about a possible reallocation of premium used to pay for this service to a MEL based EPL Risk Management Program. Mr. DeWeese noted substantial progress has been made with the carrier regarding a reallocation of the premium to the proposed MEL Program. Mr. Forlenza noted that should the MEL Program get started, he would look to consolidate the Helpline and Hotline programs so as to eliminate duplication of efforts. Mr. DeWeese stated that the MEL Program will use local attorneys that specialize in EPL matters so the advice given will be more specific to each individual case. Mr. Forlenza stated he will keep this committee updated on these ongoing discussions.

IX. Police Online Training RFP

Mr. Forlenza reminded the Committee that a contract was awarded in July to Police One for Police online training. The Executive Director’s office worked with J.A. Montgomery on the roll-out of this program, which was presented as a live presentation at the October 12th Police Ad-Hoc meeting, and a Program Announcement via email sent out on October 15, 2018. Mr. Forlenza referenced the first courses being rolled out in the agenda packet, noting those 7 hours of training are the first courses of the total 15 hours of training courses per year. 120


Mr. Forlenza then stated that a webinar was conducted on November 29 in which 9 ACMJIF agencies participated. Since the webinar, 5 ACMJIF agencies are now fully enrolled in the program. He further noted that the webinar was recorded and a link to the recording was sent to all police agencies in case they want to view. Mr. Forlenza noted that J. A. Montgomery will be creating a Review Committee to determine future courses. Mr. Forlenza asked the members to please be sure their Police Officers are utilizing this program.

X. Technology Liability

A. Media Pro Mr. Forlenza noted that a request for a list of employees, who use a municipal computer and should be trained, along with their email addresses and title, was emailed to all Fund Commissioners and RMC’s on November 9, 2018. The email asked that the employee information be sent back in a spreadsheet no later than November 28, 2018. To date, 30 member towns have replied. Police officers are excused as they will be utilizing Police One Academy for this training. In addition, seasonal employee information is not needed at this time. Once the information is received, and reviewed, Media Pro will be sending the employees access information and instructions for the online cyber training.

B. Pivot Point Mr. Forlenza noted that the contract with Pivot Point was finalized and he met with them on

November 5th. Pivot Point has several elements to their program that they will be rolling out, including vulnerability assessments and Phishing experiments. He noted that his office will be using the employee information gathered for MediaPro to conduct the Phishing attacks.

Mr. Forlenza noted that he sent an email at the end of November requesting member “public

facing” IP Addresses for websites, email servers, internet, and any server accessible to the public with an IP Address. This will be provided to Pivot Point so they can test the vulnerability of member networks to being taken down, corrupted, or hacked. He also noted the model cyber policies will be roll-out beginning in January. These are policies members will need to have in place in order to be in compliance with the MEL Cyber Risk Management Program.

C. MEL Cyber Risk Management Plan

Lastly, Mr. Forlenza reminded the Committee that the Fund’s cyber liability coverage carries a 10,000 deductible; however, members have the opportunity to reduce that deductible to $5,000 (Tier 1) if they meet basic criteria under Technical Competency, Sound Cyber Hygiene, and Technology Management. In addition, members will have the opportunity to reduce their deductible to $2,500 (Tier 2) per claim if they meet some additional security criteria within these areas. Mr. Forlenza reminded the Committee that this is a reimbursement of a portion of their deductible if they meet these standards, and information was emailed to all members and RMC’s on December 18, 2017.

Mr. Forlenza emphasized that all members should review the Plan with their IT professional to ascertain their current status and what actions need to be taken to comply with the program and qualify for lower deductibles. To date, Folsom, Longport, Mullica, and Upper have submitted their Plan and are in compliance for both Tier 1 and Tier 2 standards. Mr. Forlenza noted Pivot Point will be helping member towns understand the compliance process and assist in their submissions. He will continue to keep the Committee updated as to other members that have their Plan approved.

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ACMJIF Employment Practices Liability Committee Minutes December 19, 2018 Page 6 XII. Next Meeting

The next meeting will be Wednesday, March 20, 2019 at 2:30 PM prior to the Executive Committee Meeting. A meeting notice will be sent out two weeks prior to each scheduled meeting.

Seeing no other business, the meeting adjourned at 2:30 PM File: ACMJIF/2018/EPL/POL Claims Review Committee Tab: 12/19/18

ACMJIF/GEN/EPL/POL Claims Review Committee Tab: 12/19/18

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WELLNESS DIRECTOR’S REPORT

Prepared For: Municipal Fund Commissioners, Safety Coordinators, and Risk Managers Prepared By: Valerie Smith MS, Wellness DirectorContact Information: [email protected] 609-251-7811

December - January ActivitiesMillville - Wellness Kick Off, Healthy Lunch provided with door prizes to attendees. Several employees signed up for wellness committee

Sea Isle City - Employee soup and chili cook off. Top prize; Crock Pot, several employees participated

Small Municipality Safety - Folsom hosted, speaker included IT Professor presenting on email safety, and staying healthy over the holidays

Healthy Holiday Luncheons - several municipalities offered employees holiday luncheons with healthy options available

January Notes

• In Good Health Newsletter - The January ssue is available on the ACMJIF website and was emailed. This is the time of year when many vow to stop bad habits and start new ones. Topics discussed include “Bad New Year Resolutions”, Better Eating Resolutions, Getting Back Into Fitness, and how Walking Can Reduce Stress.

January Move It! - Fun Indoor Activities to try this Winter

January Shout Out Award -

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mailto:[email protected]


VALERIE SMITH MS, WELLNESS DIRECTOR, [email protected] 609-251-7811

January New Year’s Resolutions That are Bad Ideas

Better Eating Resolutions Get Back on the Fitness Wagon

Walking Can Boost Your Mood & Reduce Stress

• Bad Ideas for New Year Resolutions

• Better Eating Resolutions

• Get Back on the Fitness Wagon

• Walking Can Reduce Stress

• Mediterranean Chopped Salad

Volume 3, Issue 11

livestrong.com

Volume 4, Issue 1

Bad Ideas for New Year’s Resolutions

In Good Health Newsletter, January

Valerie Smith, MS, ACM JIF Wellness Director

Right around the end of the year (or the beginning of a new year), people create their lists of vows to stop bad habits and start positive ones. Individuals have long embarked on the quest for self-improvement at the beginning of each new year to varying degrees of success. You may have even set some for yourself in years past. From dieting and fitness to relationships and finances, before you pen this year's list of New Year's resolutions, keep reading to learn how to avoid setting yourself up for potential failure and instead set realistic, attainable goals.

1. Fixating on a number on a scale - Don’t get caught up in the numbers game. Setting your sights on a do-or-die weight can create problems. Not only do you risk feeling discouraged if you don’t hit your ideal weight as quickly as you’d like, but if you've also started an exercise program, you're likely losing fat and gaining muscle at the same time.

2. Vague Resolutions to be Better - "Get healthier. Be better. Work harder. These are potential traps because they can never be accomplished," "You won't know when you have accomplished enough or have reached your milestone." Instead, craft a goal that will clearly demonstrate that this area of life is important. For example, you could replace a resolution like "be a better friend" with "send handmade birthday cards" or "plan a girls' weekend away.”

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3. Resolutions to Get Married - If your partner has been dragging his or her feet about getting married, resolving to give them an ultimatum to ensure that your year includes a walk down the aisle could backfire. A more productive resolution could be to work with your partner this year to determine if your values and goals are ultimately in line with each other’s.

4. Resolve to Eliminate Carbs or Fats - “We need carbohydrates, protein and healthy fats to build a lean and healthy body. Instead of cutting carbs out altogether, incorporate healthy ones like sweet potatoes, oatmeal, quinoa, brown rice and low-sodium rice cakes to fuel your body and build muscle. The same goes with fats. Don't cut fats out of your diet; instead, choose foods with healthy fats like olive oil, avocados and nuts to help you feel satisfied and full.

5. Resolving to Get Everything Organized - This goal is vague and vast. Committing to organizing your entire life is pretty ambitious. Instead of a blanket commitment to organizing all aspects of your life, decide that you'll clean one cabinet at home or one desk drawer at work a week. The trick is to make the goal specific and achievable enough that you don’t get discouraged and give up altogether.

6. Resolution to Join a Gym (If You Hate The Gym) - A consistent exercise schedule can be difficult enough without trying to drag yourself to the gym if you just don't like being there. "Find some type of physical activity that helps you feel strong and confident in your body,” Recall activities you've enjoyed in the past and focus on those. Go ice skating, bicycling, roller blading, hiking or take a dance or swim class.

7. Setting an Unrealistic Deadline for Weight Loss Goals - Date-specific resolutions may seem less vague, but focusing on an unrealistic end date for reaching a perfect weight could put stress and pressure on you and backfire if you don't meet your goal by that day. Instead, consider revising your goal to focus on sustainable behaviors that will help you lose weight and get healthy.

8. Committing to Training Goals Beyond Your Ability - When it comes to setting training goals for yourself, consider your current physical condition. Start small and work your way up to more lofty goals. If you jump right into an intense training program without the proper conditioning beforehand, you are not only setting yourself up for failure on your resolution but also potentially for a major injury.

9. Going on a Trendy Crash Diet - The grapefruit diet, the raw food diet and any other one-ingredient diets are all unhealthy trends that involve eating an abundance of the same type of food. Not only do you run the risk of getting bored with this approach, but you'll also miss out on a number of nutrients you get from a well-rounded diet. Resolve to eat a well-balanced, whole-foods-based diet and add color to your meals,

10. Negative Resolutions - Stop drinking coffee. Don't watch television. Avoid eating desserts. Sometimes it's all in the wording. Positioning your resolution negatively can make it harder to achieve. When you word your goals negatively, you're focusing all of your attention and energy on the activity you are trying to avoid, which doesn't provide direction or motivation. Instead, craft positive goals such as, "Be healthy enough to run a 5K," or "Start each day with a glass of water." This focuses your attention on moving forward.

Bad Ideas for New Year’s Resolutions

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Better Eating Resolutions

Get More Fruits & Veggies: Try to add one more of each to every meal. Store cut-up raw veggies in the front of the fridge and fruit on the counter where you'll see it. Keep healthy dips on hand, like hummus, peanut butter, and low-fat yogurt. Load extras into your sandwiches, pizzas, salads, soups, and omelets

Cut Down on Fast Food: Try to reduce fast-food temptations. Take a different route so you don't have to pass drive-through places. Keep fruit or nuts with you to tide you over until you get home or to work.

Choose Better Snacks: Work in one more healthy snack a day. Trade cookies or chips for a small handful of nuts or trail mix, or low-fat yogurt. Find fresh fruit in season. Oranges are good because they take time to peel and eat. Only snack when you are hungry

Eat at Home More Often: Plan every day so restaurants aren’t your only option. Use a slow cooker so you have a hot, healthy meal ready and waiting when you get home at night. Cook more than you need, and freeze half.

Avoid Mindless Eating: Don’t chow down unless you’re hungry. Stop when you feel satisfied -- but before you feel full. It’s OK to leave food on your plate. Don’t sit in front of the TV or computer when you eat.

Eat Smart at Restaurants: It’s all in the planning. Order off the children's menu or ask for smaller portion sizes. Don't get so hungry that you overeat when you get there. Munch a healthy snack before you go. Start with a clear (not creamy) soup or a salad. Divide your meal in half and take the uneaten part home. Or split an entrée with a friend. Tell the waiter not to bring bread or tortilla chips to your table.

Cut Down on Sugar: Give up one sugary soda a day. That cuts out about 8 teaspoons of sugar. Choose water or unsweetened tea instead. Choose fresh fruit or fruit canned in water or juice, not syrup. Opt for unsweetened cereals.

Eat Breakfast Everyday: If you're too rushed to sit down and eat, take something with you. Portable breakfast items include granola or breakfast bars, yogurt, instant oatmeal, or pieces of fresh fruit. Muffins, bagels, and other baked goods are often larger than a single serving -- so keep an eye on portion size

Eat Smart at Parties: Have a healthy snack before you go. When you get there, fill a small plate with at least half fruit and veggies. Opt for just a bite or two of desserts and high-calorie dishes. When you’re finished, step away from the food.

Stop Overeating: rade your large plates and silverware for small ones. You’ll eat less on a 10-inch than a 12-inch plate. Use a tablespoon, not a serving spoon, to dish out portions. Think about what you put on your plate to make sure you really want it. Serve from the stove instead of the table, so second helpings aren't right in front of you. Eat slowly so your body has time to tell your brain you're full.

Snack Less at Work: Get unhealthy snacks out of your office -- or at least out of plain sight. You'll eat less if you don't have food within easy reach. If you tend to graze at work, don't keep food at your desk. Make sure it’s at least 6 feet away from where you sit. That will give you time to think before you grab a bite. Take time for a real lunch break, away from your desk.

Keep Track of What You Eat: A food journal can help you pay attention to what you eat and how you feel. You may be surprised by your habits. You don't have to track meals every day. Just do it one day a week or for a few days. That’ll give you an idea of what and how you eat.

Learn to Say “No”: Stay strong. The waiter might say that you can't have sauce on the side. You can. Your coworker might pressure you to try her homemade treats. Say no. Every bite adds up, so don’t give in. Explain why you're saying no if you want to -- or just politely decline. You don't owe people an explanation. You do owe yourself good health.

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Get Back on The Fitness Bandwagon!

1. Don’t be Hard on Yourself: People often feel they’ve lost all their hard work after time off, but that's not the case, says Doug Miller, Ph.D., professor of health and exercise science and director of wellness at Messiah College. “It’s not wasted at all, and the benefits from the exercise can last much longer than most people realize.”

2. Get Support From Others: While posting on social media can help, support from in-person friends can never be underestimated, says professor of exercise science Doug Miller. Ask a friend to join you on the journey, join a local jogging or cycling club or sign up for a local exercise class. It’s also motivating to work out with someone slightly better than you for healthy, fun competition.

3. Ignore the Calendar: Setting a start date for next week or next month sounds like a good way to resume your fitness plan, but this simple task becomes complicated when you realize how many events, trips, celebrations or holidays can get in the way of reaching your goals, says PJ Monson, founder of MyFitMojo. Avoid thinking so far ahead. Just pick a day and start.4. Start With One Thing; Set a single goal to get started and stick with it for a week. “If you try to change too many things at once about your daily routine, then you are more likely to become overwhelmed and quit,” says personal trainer PJ Monson. Examples of simple goals could be getting to the gym three times a week, cutting out wine at dinner during weekdays or going on a 20-minute walk every day.5. Invest in New Workout Gear: Purchasing new workout gear or clothing can help motivate you to restart your healthy habits, because it’ll give you a chance to put it to good use. New gear could even include a set of Tupperware for your healthy snacks and work lunches

6. Make it Short and Sweet: No need to try and commit to a two-hour daily workout, especially when you’re first getting back in the swing, says fitness coach PJ Monson. “You’ll end up tired, sore and over it.” Start with 10 minutes of brisk walking or a 20-minute HIIT workout and go from there.7. Make Over One Meal Each Week: Ease back into healthier eating habits by changing one meal a week, says Sharon Richter, RD. 8. Keep a Food Journal: Writing down what you eat every day makes you realize what you’re really taking in, says Sharon Richter, RD. (Or use a calorie-tracking app like LIVESTRONG.COM's MyPlate.) “You especially want to look at things like alcohol. If you’re having two glasses of wine during the week with dinner and four cocktails on a Friday and Saturday, for example, that adds up to 18 drinks a week. 9. Seek Professional Help: “Exercise specialists can help you set up a plan that’s just right for you,” says Sean Wells, bistroMD fitness expert. Ideally, look for a trainer who specializes in your particular goals, be it weight loss, muscle building, bone strengthening, etc.

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Walking Can Boost Your Mood and Reduce Stress !

Ways Walking Can Reduce Stress:

• Take a Break: Put physical and mental distance between you and the stress-causing environment. Get up and take a 15 minute walking break

• Loosen Up: Many people carry stress by tensing their muscles. By getting into your correct walking posture and form, you un-knot those muscles and put them to work.

• Get Out of Your Head: Take a break from your internal worries. Observe the environment around you; enjoy the trees, flowers, birds, gardens, sky, or window shop strolling past storefronts or in the mall.

• Reconnect with your physical body: Think about from head to toe how your body is working to carry you along. You may want to practice breathing techniques and work on your walking form. Feel the sun, breeze, mist or rain on your skin.

• Burn Calories from “Stress” eating: Many of us turn to comfort food or high-calorie convenience food when under stress. Walking is a good way to burn calories without having to change into workout gear. Get up

Walking and exercise have benefits beyond the merely physical. Many people walk as much for mental and spiritual well-being as for fitness.

• Time to think: “ All Truly Great Thoughts are Conceived While Walking” said Friedrich Nietzsche. Take a walk and the blood flow to your brain is increased. It gives you time to consider different aspects of your problems away from the distractions of your office or home. Creative ideas and solutions may flow more easily.

• Talk and Laugh: Choose a fun walking companion who can distract you from the things causing your stress. Let them entertain you and bring out your happy side. Play on the playgrounds you might pass by. Be silly. Have fun.

• Vent: Choose a walking companion who is willing to listen to what is causing your stress and give you emotional support and advice. If you can find a person who is skilled in problem-solving and counseling, this can be productive.

• Lower your Blood Pressure: Stress can be a factor in high blood pressure. Studies have shown that walking can lower your blood pressure and reduce your heart health risk.

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https://www.verywellhealth.com/walking-workouts-for-high-blood-pressure-4099134


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https://www.verywellfit.com/how-to-walk-for-beginners-3432464




Mediterranean Chopped Salad

This colorful salad is full of good-for-you antioxidants and fiber. Make a whole batch of it ahead of time for a simple dish you can enjoy throughout the week. A little nutrition FYI: Garbanzo beans are a delicious way to add plant-based protein to your diet, plus you get the added benefits of fiber for a healthy gut microbiome. Oregano, like many herbs, is rich in antioxidants and also has anti-bacterial properties. Enjoy!

Ingredients: • 3 tablespoons extra virgin

olive oil• 2 tablespoons lemon juice• 2 tablespoons fresh oregano,

chopped, plus extra for garnish• ⅛ teaspoon salt, or to taste• Ground black pepper, to taste• 1 15-ounce can garbanzo beans,

rinsed and drained• 1 large cucumber, peeled and

chopped• 2 cups small cherry or grape

tomatoes, cut in half• 1 cup red, yellow, or orange bell

peppers, chopped• 1/2 cup Kalamata olives, pitted and

chopped• 6 ounces (about 1 cup) crumbled

feta cheese• Optional: ½ cup chopped red onion

Preparation: Make the vinaigrette: Combine olive oil, lemon juice, oregano, salt, and pepper in a small glass jar. Shake well with lid on to combine ingredients.

1. Make the salad: Pour the garbanzo beans in a large salad or mixing bowl. Chop the cucumber, tomatoes, bell peppers, olives, and optional red onions. Add all the vegetables to the bowl with the garbanzo beans.

2. Add the feta cheese to the beans and vegetables and pour the salad dressing on top. Mix well to combine ingredients. Top with additional oregano, if desired, before serving.

Ingredient Variations and Substitutions: If you'd like, you can swap out the garbanzo beans for another favorite bean. All provide filling fiber, iron, protein, and more.For even more added protein, consider adding cooked chopped chicken breast. If you have leftover chicken this is great use for it!

Nutrition Highlights• Calories: 383• Fat: 23 grams• Carbs: 32 grams• Protein: 14 grams

Total Time: 20 minPrep: 20 minCook: 0 minServings: 4 ( 2 cups each)

verywellfit.com

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https://www.verywellfit.com/chickpeas-nutrition-facts-calories-and-health-benefits-4118486

https://www.verywellhealth.com/using-the-human-microbiome-to-treat-common-diseases-3948835

https://www.verywellfit.com/best-food-sources-of-antioxidants-88392

https://www.verywellfit.com/chickpeas-nutrition-facts-calories-and-health-benefits-4118486

https://www.verywellhealth.com/using-the-human-microbiome-to-treat-common-diseases-3948835

https://www.verywellfit.com/best-food-sources-of-antioxidants-88392




MOVE IT! MONDAY

Valerie Smith, MS, [email protected] 609-251-7811

Try Indoor Sports and Fitness Activities!Although it may be cold outside, you can take your game inside for fun and exercise! To keep moving this Winter consider joining an intramural game with your friends, family, co-workers and other folks. Choose an activity that will keep you moving and that you enjoy!

Check Out The List Below of fun Indoor Activities!• Indoor Rock Climbing

• Indoor Water Park or Swimming Pool

• Ice Skating Rink / Roller Skating Rink

• Visit one of New Jersey’s Planetariums and Observatories - log your step miles

• Bowling

• Laser Tag / Paint Ball

• Join an intramural team and play: Basketball, Volleyball, Swimming, Tennis, Soccer, Dodgeball, Double Dutch, Tai Chi

• Try a group exercise class that you always wanted to take

• Climb, Jump, Run, at any indoor play place

• Learn some self defense and take a Karate class

• Try Pickle Ball

• Play Corn Hole

• Walk the Mall, to log steps

• Join a Yoga class

Even if it’s winter, it’s important to keep moving and committed to fitness. And science says the benefits of group exercise include improved mental, emotional, and physical quality of life, and a reduction in perceived stress. All of these benefits add up when winter forces you to bring summer fun inside.

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VALERIE SMITH, MS WELLNESS DIRECTOR [email protected] 609-251-7811

Municipality“Shout Out”

Northfield

City

Congratulations to Shannon Campbell, Wellness Leader for Northfield City, for creating a Healthy Workplace Environment since she was nominated to be the Wellness Leader!

Here is what she did…Approximately 2 years ago she was given the task to lead wellness. Since then she has organized 3 health fairs for her municipal employees and in addition, she has personally adopted a healthy lifestyle and has lost several pounds. As a result, her co-workers have also adopted healthier eating habits. Congrats Shannon on creating a culture of wellness at your workplace!

If your municipality or an individual employee deserves a “Shout Out” please contact me so it can be recognized and shared. Contact information is below.

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C:\Users\kkristie\Documents\ACM\Exec Dir\ED January ACM.doc

To: Fund Commissioners From: Paul A. Forlenza, MGA, RMC, Executive Director Date: January 16, 2018 Re: Executive Director’s Report ____________________________________________________________________________________________________________________________

A. AJG Risk Management Services- Disclosure Statement (pg. 137) A Disclosure Statement for AJG Risk Management Services, Inc. is enclosed for your review. We ask that this information be made a part of the minutes for the January 2019 Executive Committee Meeting.

B. Lost Time Accident Frequency Report (pgs. 138-139) The November 2018 Lost Time Accident Frequency Summary and the Statewide Recap for November 2018 are attached for your review.

C. Certificates of Insurance (pgs. 140-143) Summaries of the Certificates of Insurance issued during December 2018 are attached for your review.

D. Financial Fast Track Report (pg. 144) The Financial Fast Track Report as of November 30, 2018 is attached for your review. The report is generated by PERMA and provides a “snapshot” of the JIF’s financial status. The JIF’s surplus position as of November 30, 2018 was $25,472,144.

E. Regulatory Filing Checklists (pgs. 145-146)

Enclosed please find two regulatory filing checklists that we provide each month as part of our due diligence reporting on behalf of the JIF. These checklists provide an outline of required reporting to the Departments of Banking and Insurance and Community Affairs on an annual and a monthly basis, and the status of the items listed.

F. 2017 Safety Incentive Program Awards (pg. 147) A letter from our office describing how to collect your 2017 Safety Incentive Awards money was emailed to all members on or about February 9, 2018. Reminder emails will be sent out on or about December 1, 2018. A report detailing the available balances for each member is attached for your review. If you have any questions on how to collect your 2017 Safety Incentive Program allowance, please contact our office. Please note that the deadline to claim or encumber these funds was December 31, 2018. All encumbered funds have to be claimed by February 1, 2019.

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Executive Director’s Report Page 2

G. 2018 Optional Safety Budget (pg. 148) A letter from our office describing how to collect your 2018 Optional Safety Budget allowance was will be emailed on or about February 8, 2018. Reminder emails will be sent out on or about December 1, 2018.A report detailing the available balances for each member is attached for your review. If you have any questions on how to collect your 2018 Optional Safety Budget allowance, please contact our office. Please note that the deadline for claiming or encumbering these funds was December 31, 2018. All encumbered funds must be claimed by February 1, 2019.

H. 2018 Wellness Incentive Program Allowance (pg. 149) A letter from our office describing how to collect your 2018 Wellness Incentive money was emailed on or about February 5, 2018. Reminder emails will be sent out on or about December 1, 2018. A report detailing the available balances for each member is attached for your review. If you have any questions on how to collect your 2018 Wellness Incentive Program allowance, please contact our office. Please note that the deadline for claiming or encumbering these funds was December 31, 2018. All encumbered funds must be claimed by February 1, 2019.

I. EPL/Cyber Risk Management Budget (pg. 150) The JIF has budgeted $725 for each member to help offset employment practice and cyber security related expenses. If you have any questions on how to collect your 2018 EPL/Cyber Risk Management allowance, please contact our office. Please note that the deadline for claiming or encumbering these funds was December 31, 2018. All encumbered funds must be claimed by February 1, 2019.

J. EPL Helpline – Authorized Contact List (pgs. 151-152) With the placement of the member’s EPL/POL coverage in the commercial insurance market, the insurance company QBE has implemented an EPL Helpline for the member’s use. There is no restriction on the number of calls or amount of time that members can contact this service. Members can appoint two representatives to use this service. Appointments must be made by Resolution of the Governing Body. Please note that Municipal Solicitors cannot be appointed as Helpline Contacts. Enclosed, please find the most recent list of authorized contacts for the EPL Helpline. These are the only representatives authorized to access this service. Please contact the Executive Director’s Office with any questions.

K. Employment Practices Liability Compliance – (pg. 153) A compliance status report regarding the Employment Practices Liability Coverage is attached for your review. Each member should review this report carefully to insure its accuracy. If you believe the report to be inaccurate regarding your town, please contact PERMA directly.

L. MEL Cyber Risk Management Plan Compliance (pg. 154) A compliance status report regarding the MEL Cyber Risk Management Plan status is included for your review. Each member should review this report carefully to insure its accuracy. If you believe the report to be inaccurate regarding your town, please contact Ed Cooney, Fund Underwriter at 973-659-6424.

M. Statutory Bond Status (pg. 155)

Attached for your review is the latest listing of Statutory Bonds issued by the MEL for JIF members. This list should be reviewed for accuracy. Any questions on the status of an application or a listed bond should be directed to Cate Kiernan at PERMA. Cate can be reached at 201-518-7031.

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N. Skateboard Park Approval Status (pg. 156) Enclosed, pleased find a spreadsheet depicting the current status of all approved skateboard parks or those currently under construction by a member municipality. The MEL has established a process, outlined in MEL Coverage Bulletin 18-09, that must be followed by all members who wish to construct a skateboard park and have the Atlantic JIF and MEL provide said facility with coverage. Any member with a park currently under construction or in the review process should review the enclosed spreadsheet to be sure that it accurately depicts the current status of your facility. All members considering construction of a skateboard park should contact the Executive Director’s office prior to moving forward.

O. Capehart & Scatchard Updates (pgs. 157-160)

John Geaney, Esq. of the law firm of Capehart & Scatchard periodically provides updates on court cases dealing with workers’ compensation, ADA, and FMLA issues. Copies of his latest updates are included for your information.

P. Monthly Activity Calendar (pgs. 161-162) Attached for your review is the monthly activity calendar for the months of January/February.

Q. Elected Officials Seminar – Invite (pgs. 163-164)

Again, this year, the Fund will be sponsoring Elected Officials training. The MEL will reduce each member’s 2019 MEL Assessment by $250 for each municipal elected official who attends one of the training sessions by March 31, 2019. This credit will also be extended to the member’s CEO (i.e. Municipal Manager or Administrator) again this year. The total credit is limited to 5% of a member’s 2019 MEL Assessment. A Save the Date was emailed out to all Clerks, Fund Commissioners, and RMC’s on or about October 5, 2018. Invitations/RSVP’s for the sessions will be e-mailed to all Municipal Clerks and Fund Commissioners on November 1, 2018. The sign-in sheets from December 6, 2018 seminar are posted on the JIF website. The remaining trainings have been scheduled on the following dates:

January 31, 2019 - Nicolosi’s Catering, West Deptford February 6, 2019 - Merighi’s Savoy Inn, Vineland

March 21, 2019 - O’Connor’s American Bar & Grille, Eastampton

R. Police One Training To help reduce the skyrocketing costs associated with police related injuries and lawsuits, the JIF is pleased to announce the availability of the Police One Academy online training system. All JIF Member Police Agencies are eligible to participate in this web-based training. Announced on October 15, 2018, the initial course offerings include De-Escalation Strategies, Sexual Harassment, and Ethics in Law Enforcement. Police One offers training in many different areas of importance to Police personnel and additional courses will be made available over the next several months. If you have any suggestions for police training topics or questions about the system, please contact Megan Matro in the Executive Directors Office or Keith Hummel in the Safety Director’s Office for assistance.

S. MediaPro Training

To combat the rise in cybersecurity threats, the JIF has contracted with MediaPRO to deliver online technology risk training for Member Municipalities. MediaPRO specializes in cybersecurity and data privacy employee awareness programs. Every full time, part time, and seasonal municipal employee who utilizes a municipally owned computer will be assigned training. Training courses include password best practices, how to avoid malware, social media usage and many more. On Friday, November 9, 2018 an email containing a spreadsheet was sent

134


to all Fund Commissioners asking that they provide the first name, last name, title, and email address of each employee that they want to have access to the training module. Once this information is received, the employees listed will receive an introduction on how to access and utilize the training program. Please contact Megan Matro in the Executive Directors Office if you have any questions.

T. Technology Risk Services

Last year, the JIF awarded a contract to Pivot Point Security to provide technology risk management services to the members. These services include phishing tests, the development of, and training on, various cyber related policies and procedures, the development of third party risk standards, as well as network vulnerability assessments. To begin this process, on November 27, 2018, an email was sent to all members asking that they provide the Executive Director’s office with the IP addresses of all of their public facing networks and the contact information for their IT professional. This information is necessary to begin the network vulnerability testing. Members were asked to respond to this request by Friday, December 14, 2018. Over the next few months, members will also begin to see the role out of different risk management services from Pivot Point. Please do not hesitate to contact the Executive Director’s office if you have any questions.

U. 2019 1st Installment Billing

First installment bills were emailed to member Municipal Clerks, with a copy to the Fund Commissioner and Risk Management Consultant, on or about December 27, 2018. Please note that the first installment is due by February 15, 2019. If you have any questions, please contact Tracy Forlenza at 856-446-9143.

V. 2018 Attendance Record (pg. 165) A report detailing attendance records through the end of 2018 Fund Year is attached for your

review. W. RMC Resolution & Agreement

On or about December 7, 2018, a memo and sample copies of the JIF RMC Resolution and Agreement for the 2019 Fund Year were e-mailed to all Risk Management Consultants. If an RMC represents more than one municipality, we request that the form be copied and one set executed for each municipality represented. Once our office receives this documentation, payment can be issued for the 2019 fees at the February 2019 JIF meeting. Please note that RMC payments cannot be processed until this documentation is received. Also, all RMC’s are required to execute a Confidentiality Agreement with the JIF and forward it to the Executive Director’s office. Each RMC is asked to execute one copy of the Confidentiality Agreement for each member of their staff that might attend the JIF Executive Committee. If you have any questions in this regard, please contact Tracy Forlenza at 856-446-9143.

X. AGRiP/PRIMA Conference Schedule and Policy This year TRICO JIF members will be eligible to attend two AGRIP Conferences and the Annual PRIMA Conference. The 2019 Budget includes funding for two (2) attendees in total. The ACM JIF has adopted an Attendance Conference Policy that establishes clear guidelines and preferences for Commissioner Attendance. Those Fund Commissioners who have first priority for attendance at these conferences received information on the AGRiP Conferences from our office on or about December 13, 2018. Information on the PRIMA Conference will be emailed out early next year.

135


Y. Safety Breakfast Kickoff/Safety Coordinator & Claims Coordinator Roundtable

The Fund is scheduled to hold its 30th Annual Safety Breakfast on March 7, 2019 at Merighi’s Savoy Inn, Vineland, beginning at 8:30 AM. A Save the Date will be emailed to all Safety Coordinators, Claims Coordinators, Fund Commissioners, and Risk Management Consultants within the next week. The invitations and Response Forms will be emailed in February. Also, immediately following the Safety Breakfast, the JIF will be sponsoring a Safety Coordinator & Claims Coordinator Roundtable at the same venue. The Wellness Coordinators are also invited to attend. Invites with additional information will be emailed from the Safety Director’s office to all Safety Coordinators, Claims Coordinators, and Wellness Coordinators within the next week.

Z. Website (WWW.ACMJIF.ORG) The JIF has a website that contains useful information for our members:

• Directories • Fund Commissioners • Claims and Safety Contacts • Fund Professionals

• Coverage • Bulletins • Certificates of Insurance/ID Card Requests • Sample Indemnification Language

• Safety • Bulletins • Training Links

And much, much more. Why not take a moment and explore our website! AA. Inclement Weather Policy

Please note that the Fund has adopted an Inclement Weather Policy, a copy of which is available on the JIF website www.acmjif.org. Should it become necessary to cancel a meeting, pursuant to the policy, the Executive Director’s office will attempt to contact the Fund Commissioners via e-mail, direct telephone contact or posting a message to the Fund’s website (www.acmjif.org). In addition, members can also call 856-446-9148 for a pre-recorded message announcing the cancellation of a meeting.

AB. New Member Activity

Nothing to Report

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http://www.acmjif.org/

Public Entity & Scholastic Division 6000 Sagemore Drive, Suite 6203

PO Box 530 Marlton, New Jersey 08053

856-446-9100

C:\Users\kkristie\Documents\ACM\Exec Dir\AJG Disclosure statement.doc

TO: Fund Commissioners Atlantic County Municipal Joint Insurance Fund

FROM: Paul A. Forlenza, MGA, RMC Area Vice President, Gallagher, Inc.

DATE: January 16, 2019

RE: Disclosure Statement Risk Management Consulting, Fund Administration, & Commission Fees *******************************************************************************************

Arthur J. Gallagher Risk Management Services, Inc. has served as Administrator for the Atlantic County Municipal Joint Insurance Fund, hereinafter referred to as “Fund”, since January 1, 1987. The Public Entity Practice within our firm presently confines its practice to providing professional administration, brokerage, and consulting service to large individual and pooled public entity self-insureds.

The Brokerage Division of our firm provides a full range of conventional insurance sales and service, including personal and commercial property, casualty, and employee benefits. In the past, our firm has provided Risk Management Consulting Services to individual municipalities having membership in joint insurance funds administered by Arthur J. Gallagher Risk Management Services, Inc.

The purpose of this disclosure memo is to publicly advise the Officers, Executive Committee, and Commissioners that Arthur J. Gallagher Risk Management Services, Inc. fulfills the roles of Fund Administrator and in some cases, members’ Risk Management Consultant. In the case of this Fund, Arthur J. Gallagher Risk Management Services, Inc. does not presently serve as Risk Management Consultant for any member municipalities.

Beginning January 1, 2011, Arthur J. Gallagher Risk Management Services, Inc. began placing Employment Practices Liability and Public Officials Liability coverage for the Fund. Beginning on January 1, 2012, Arthur J. Gallagher Risk Management Services, Inc. began placing Volunteer Directors and Officers Insurance for the Fund. Finally, beginning January 1, 2013, Arthur J. Gallagher Risk Management Services, Inc. began placing Cyber Liability Insurance for the Fund. In this capacity, we are compensated at a rate of 3.25% of written premiums for placing Employment Practices Liability, Public Officials Liability, and Volunteer Directors and Officers coverage and 2.50% of written premiums for placing Cyber Liability Insurance for the Fund. Arthur J. Gallagher Risk Management Services, Inc. also serves as the Deputy Executive Director of the MEL Residual Claims Fund and as the Producer for the placement of Excess Insurance for the Municipal Excess Liability Joint Insurance Fund.

The only revenue derived from the Atlantic County Municipal Joint Insurance Fund is the fee that we are paid under contract to provide administrative services and the above referenced insurance placement to the Fund.

The Fund Secretary has been asked to incorporate this memo into the minutes of the January Reorganization meeting and make it a permanent record of the Fund.

File: ACM/Gen/Conflict of Interest/Disclosure Statement; Tab: 2019

137

From 11/22/2018 To 12/28/2018

Atlantic County Municipal JIF Certificate of Insurance Monthly Report

12/28/2018

1 of 1

Holder (H)/ Insured Name (I)

Holder / Insured Address

Description of Operations

Issue Date/ Cert ID

Coverage

H - New Jersey Economic Development I - City of Ventnor

Authority State of New Jersey PO Box 990 Trenton, NJ 08625

Ref: Project #44184 The New Jersey Economic Development Authority and the State of NJ are an Additional Insured on the above referenced Commercial General Liability and Excess Liability Policies if required by written contract as respect to the project location described as: Atlantic Ave between Surrey Ave and Weymouth Ave, Ventnor, NJ 08406 know as project #44184

11/26/2018 #2044225

GL AU EX WC

H - Cape May County I - City of Wildwood

4 Moore Road Cape May Court House, NJ 08210

Evidence of insurance 12/4/2018 #2048993

GL AU EX WC OTH

H - Range 129 I - Borough of Longport

129 Pleasant Avenue Absecon, NJ 08201

Certificate Holder is an Additional Insured on the above-referenced Commercial General Liability and Excess Liability Policies and Loss Payee on the Property Policy if required by written contract as respects to Longport Police Department using Range 129 for Police Pistol & Rifle qualifications. This is scheduled for the afternoon of December 5, 2018.

12/6/2018 #2053245

GL AU EX WC OTH

H - Atlantic City Electric I - City of Millville

500 North Wakefield Drive Newark, DE 19702

Atlantic City Electric, its parents and their subsidiaries, affiliates including their shareholders, directors, officers, employees, agents and servants are an Additional Insured on the above-referenced Commercial General Liability, Automobile Liability and Excess Liability Policies if required by written contract as respect to temporary installment of holiday lighting and associated equipment on 39 poles.

12/7/2018 #2054927

GL AU EX WC

H - Range 129 I - Borough of Longport

129 Pleasant Avenue Absecon, NJ 08201

Evidence of Insurance with respect to the Longport Police Department using Range 129 for Pistol & Rifle qualifications.

12/7/2018 #2054947

GL AU EX WC OTH

H - Voorhees Township I - Township of Waterford

Department of Public Works 100 American Way Voorhees, NJ 08043

Evidence of insurance with respects to the use of the following equipment: 1998 Tarco Leaf Vacuum machine (vin #8POTC) and 2000 Tarco Leaf Vacuum Machine (vin #60P01).

12/11/2018 #2062415

GL AU EX WC

H - State of New Jersey Department I - Borough of Woodbine

of Environmental Protection Division of Parks & Forestry, Mail Code 501-04, PO Box 420 Trenton, NJ 08625

State of New Jersey Department of Environmental Protection LE19-018 is an Additional Insured on the above referenced Commercial General Liability and Excess Liability Policies if required by written contract as respect to installation of the monitoring wells

12/12/2018 #2063137

GL AU EX WC OTH

140

From 11/22/2018 To 12/28/2018


12/28/2018

1 of 1

H - New Jersey Dept of I - Borough of Folsom

Transportation 1035 Parkway Ave Trenton, NJ 08625

The Certificate Holder is an Additional Insured on the above-referenced Commercial General Liability and Excess Liability Policies if required by written contract as respect MOA between NJDOT and the Borough of Folsom - 2017-2020 Salt Support Agreement PROJECT NAME: 2017-2020 Borough of Folsom & NJDOT Salt Supply Agreement #2017-1

12/12/2018 #2064492

OTH

H - KS State Bank I - Borough of Buena

P.O. Box 69 Manhattan, KS 66505

RE: Lien for a 2002 Pierce Rescue Pumper Serial #002725 & 2014 Kenworth T370 Rescue Truck Serial #408850 The Certificate Holder is an Additional Insured on the above-referenced Commercial General Liability and Excess Liability Policies and Loss Payee if required by written contract as respect to a lien for a 2002 Pierce Rescue Pumper VIN #4P1CT02S92A002725 valued at $450,000 and a 2014 Kenworth T370 Rescue Truck VIN #2NKHHJ8X9EM408850 valued at $333,547.

12/12/2018 #2064494

OTH

H - State of New Jersey DEP I - City of Somers Point

PO Box 402 Trenton, NJ 08625

Certificate Holder is amended to be included as additional insured the person(s) or organizations(s) as shown in the description section of this certificate of insurance for General Liability & Excess Liability pursuant to the terms, conditions, limitations, and exclusions of the JIF Causality Insurance Policy only with respect to liability caused in whole or in part by the acts or omissions of the named insured as respects Clean Vessel Act Pumpout-Dump Grant Program.

12/14/2018 #2072590

GL AU EX WC

H - U.S. Coast Guard Training Center I - Township of Lower

Cape May 1 Munro Avenue Cape May, NJ 08204

Evidence of Insurance with respect to Water Rescue Classes 12/14/2018 #2072597

GL AU EX WC

H - State of New Jersey DEP I - City of Somers Point

PO Box 402 Trenton, NJ 08625

Certificate Holder is amended to be included as additional insured the person(s) or organizations(s) as shown in the description section of this certificate of insurance for General Liability & Excess Liability pursuant to the terms, conditions, limitations, and exclusions of the JIF Causality Insurance Policy only with respect to liability caused in whole or in part by the acts or omissions of the named insured as respects Clean Vessel Act Pumpout-Dump Grant Program.

12/17/2018 #2074604

GL AU EX WC

H - U.S. Coast Guard Training Center I - Township of Lower

Cape May 1 Munro Avenue Cape May, NJ 08204

Evidence of Insurance with respect to Water Rescue Classes 12/17/2018 #2074758

GL AU EX WC

H - Wells Fargo Equipment Finance, I - Cherry Hill Fire District (BOFC

Inc. 2700 S. Price Road, 3rd Floor MAC S3928-034

Certificate Holder is an Additional Insured on the above-referenced Commercial General Liability and Excess Liability Policies and Loss Payee on the Property Policy if required by written contract as

12/17/2018 #2074761

GL AU EX WC OTH

141

From 11/22/2018 To 12/28/2018


12/28/2018

1 of 1

District Chandler, AZ 85286

respects to the lease of a 2018 Ford E450 AEV 172 Type III Ambulance, vin #1FDXE4FS6JDC06963, valued at $203,058. Contract #413711-103

H - Byrne Community Center I - Township of Lower

406 Youngs Avenue Wildwood, NJ 08260

The Certificate Holder is an Additional Insured on the above-referenced Commercial General Liability and Excess Liability Policies if required by written contract as respect to the use of the facilities for the Greater Cape May Elks-Tom Beheler Youth Basketball Tournament on Thursday, December 27, 2018

12/20/2018 #2078277

GL AU EX WC

H - Wildwood High School I - Township of Lower

4300 Pacific Avenue Wildwood, NJ 08260

The Certificate Holder is an Additional Insured on the above-referenced Commercial General Liability and Excess Liability Policies if required by written contract as respect to the use of the facilities for the Greater Cape May Elks-Tom Beheler Youth Basketball Tournament on Thursday, December 27, 2018

12/20/2018 #2078278

GL AU EX WC

H - NJ Department of Environmental I - City of North Wildwood

Protection 401 E State Street PO Box 418 Trenton, NJ 08690-0418

RE: Hereford Light House The Certificate Holder is an Additional Insured on the above-referenced Commercial General Liability and Excess Liability Policies if required by written contract as respect to the Hereford Light House located at 111 North Central Avenue, North Wildwood, NJ.

12/26/2018 #2080411

GL AU EX WC OTH

H - NJ Transit ATTN: Greystone Mgmt I - City of Pleasantville

Solutions, 7th Fl One Penn Plaza East Newark, NJ 07108

NJ Transit is amended to be included as additional insured the person(s) or organization(s) as shown in the description section of this certificate of insurance for General Liability & Excess Liability pursuant to the terms, conditions, limitations, and exclusions of the JIF Casualty Insurance Policy (but only with respect to liability caused in whole or in part by the acts or omissions of the named insured) as respects a new vehicle they will own that has been provided through a grant from NJ Transit. The vehicle is a 2016 Ford E450.

12/26/2018 #2080440

GL AU EX WC OTH

H - Tax-Exempt Leasing Corp. and/or I - Township of Middle

its assigns 203 E. Park Avenue Libertyville, IL 60048

Certificate Holder is an Additional Insured on the above-referenced Commercial General Liability and Excess Liability Policy if required by written contract, and is included as a Loss Payee on the above-referenced Property Policy if required by written contract as respects to the following vehicle 2019 Ford F250 Cab Pickup Truck serial number 1FT7X2BT4KED40867 total value $39,915.00.

12/26/2018 #2080717

GL AU EX WC OTH

H - Tax-Exempt Leasing Corp. and/or I - Township of Middle

its assigns 203 E. Park Avenue Libertyville, IL 60048

Certificate Holder is an Additional Insured on the above-referenced Commercial General Liability and Excess Liability Policy if required by written contract, and is included as a Loss Payee on the above-referenced Property Policy if required by written contract as respects to the following vehicle 2019 Ford F250 Cab Pickup Truck serial number 1FT7X2BT4KED40867 total value $39,915.00.

12/26/2018 #2080718

GL AU EX WC OTH

H - St. Peter's United

Methodist Church 501 East 8th Street

St. Peter's United Methodist Church is an Additional Insured on the above-referenced Commercial General Liability and Excess Liability

12/26/2018

GL AU EX WC OTH 142

From 11/22/2018 To 12/28/2018


12/28/2018

1 of 1

I - City of Ocean City Ocean City, NJ 08226

Policies if required by written contract as respects to Use of St. Peter's United Methodist Church for First Night festivities inside and on the grounds from December 31, 2018.

#2080749

H - St. Peter's United I - City of Ocean City

Methodist Church 501 East 8th Street Ocean City, NJ 08226

St. Peter's United Methodist Church is an Additional Insured on the above-referenced Commercial General Liability and Excess Liability Policies if required by written contract as respects to Use of St. Peter's United Methodist Church for First Night festivities inside and on the grounds from December 31, 2018.

12/26/2018 #2080750

GL AU EX WC OTH

H - State of NJ Dept of Health & Senior Services I - Borough of Avalon

Office of EMS PO Box 360 Trenton, NJ 08625

Evidence of Insurance for 01/01/2019 to 01/01/2020 12/26/2018 #2080770

GL AU EX WC

H - Member Towns of the Atlantic I - City of Sea Isle City

County Municipal Joint Insurance 6000 Sagemore Dr., Suite 6203 Marlton , NJ 08053

Evidence of insurance as respects to the following Member towns: the following member municipalites of the Atlantic County Municipal Joint Insurance Fund are Named Insureds and limits shown on this certificate of insurance apply separately to each member municipality and not jointly. City of Absecon Borough of Avalon City of Brigantine Borough of Buena City of Cape May Cape May Point Commercial Township City of Corbin City Township of Deerfield Township of Dennis Township of Downe Egg Harbor Township City of Estelle Manor Borough of Folsom Township of Galloway Township of Hamilton City of Linwood Borough of Longport Lower Township City of Margate Middle Township City of Millville Mullica Township Borough of Newfield City of North Wildwood City of Northfield

12/27/2018 #2081231

GL AU EX WC

H - Member Towns of the Atlantic I - Member Towns of the Atlantic County

County Municipal Joint Insurance Fund PO Box 488 Marlton , NJ 08053

Evidence of insurance as respects to the following Member towns: the following member municipalites of the Atlantic County Municipal Joint Insurance Fund are Named Insureds and limits shown on this certificate of insurance apply separately to each member municipality and not jointly. See attached for list of member towns: City of Absecon Borough of Avalon City of Brigantine Borough of Buena City of Cape May Cape May Point Commercial Township City of Corbin City Township of Deerfield Township of Dennis Township of Downe Egg Harbor Township City of Estelle Manor Borough of Folsom Township of Galloway Township of Hamilton City of Linwood Borough of Longport Lower Township City of Margate Middle Township City of Millville Mullica Township Borough of Newfield

12/27/2018 #2081235

GL AU EX WC

Total # of Holders: 25

143

AS OF November 30, 2018

THIS YTD PRIOR FUND

MONTH CHANGE YEAR END BALANCE

1. UNDERWRITING INCOME 1,883,136 20,709,785 411,087,631 431,797,4162. CLAIM EXPENSES

Paid Claims 1,004,794 9,823,717 198,819,254 208,642,645

Case Reserves 335,978 2,318,535 14,082,328 16,401,190

IBNR (75,252) 1,413,043 5,824,837 7,237,880

Recoveries - - - -

TOTAL CLAIMS 1,265,520 13,555,295 218,726,419 232,281,7153. EXPENSES

Excess Premiums 525,564 5,472,681 85,755,883 91,228,564

Administrative 286,041 2,858,861 67,563,254 70,422,115

TOTAL EXPENSES 811,605 8,331,542 153,319,137 161,650,6794. UNDERWRITING PROFIT (1-2-3) (193,989) (1,177,052) 39,042,075 37,865,023

5. INVESTMENT INCOME 141,905 558,853 19,637,941 20,196,794

6. DIVIDEND INCOME 0 0 2,749,272 2,749,272

7. STATUTORY PROFIT (4+5+6) (52,084) (618,199) 61,429,288 60,811,089

8. DIVIDEND 0 3,250,000 32,088,945 35,338,945

9. STATUTORY SURPLUS (7-8) (52,084) (3,868,199) 29,340,343 25,472,144

SURPLUS (DEFICITS) BY FUND YEARClosed 41,135 (3,052,899) 15,928,651 12,875,751

MEL JIF Retro 3,170 12,849 3,157 16,006

(53,776) (112,010) 3,421,569 3,309,559

(79,379) (562,882) 4,485,037 3,922,155

17,632 (932,116) 3,213,376 2,281,260

22,197 392,064 2,288,553 2,680,617(3,062) 386,795 386,795

TOTAL SURPLUS (DEFICITS) (52,084) (3,868,199) 29,340,343 25,472,144

TOTAL CASH 56,038,847

CLAIM ANALYSIS BY FUND YEAR

TOTAL CLOSED YEAR CLAIMS (160) (34,372) 173,969,529 173,935,157

FUND YEAR 2014

Paid Claims 302 1,314,097 9,547,810 10,861,907

Case Reserves 66,385 (1,089,725) 2,687,545 1,597,820

IBNR 0 (59,218) 129,985 70,767

Recoveries 0 0 0 0

TOTAL FY 2014 CLAIMS 66,687 165,154 12,365,341 12,530,494

FUND YEAR 2015

Paid Claims 56,541 1,573,771 6,801,804 8,375,575

Case Reserves 39,655 (820,713) 3,427,808 2,607,096

IBNR 0 (118,923) 248,314 129,391

Recoveries 0 0 0 0

TOTAL FY 2015 CLAIMS 96,196 634,136 10,477,926 11,112,062

FUND YEAR 2016

Paid Claims 421,536 1,763,749 5,757,221 7,520,970

Case Reserves (418,712) (505,375) 4,054,717 3,549,341

IBNR (2,824) (288,097) 1,030,687 742,590

Recoveries 0 0 0 0

TOTAL FY 2016 CLAIMS (0) 970,277 10,842,625 11,812,901

FUND YEAR 2017

Paid Claims 162,418 2,234,999 2,742,891 4,977,889

Case Reserves 22,635 337,804 3,912,258 4,250,061

IBNR (185,053) (2,883,480) 4,415,851 1,532,371

Recoveries 0 0 0 0

TOTAL FY 2017 CLAIMS 0 (310,678) 11,071,000 10,760,322

FUND YEAR 2018

Paid Claims 364,157 2,971,147 2,971,147

Case Reserves 626,016 4,396,871 4,396,871

IBNR 112,625 4,762,761 4,762,761

Recoveries 0 0 0

TOTAL FY 2018 CLAIMS 1,102,798 12,130,779 12,130,779

COMBINED TOTAL CLAIMS 1,265,520 13,555,295 218,726,419 232,281,715

2018

This report is based upon information which has not been audited nor certified by an actuary and as such may not truly represent the condition of the fund.

Per Executive Director, professional fees other than RMC Fees reflect paid amounts.

ATLANTIC COUNTY MUNICIPAL FUNDFINANCIAL FAST TRACK REPORT

2014

2015

2016

2017

1/7/2019 FFTATL_11

144

C:\Users\kkristie\Documents\ACM\Exec Dir\Reg Filing Month.doc


Monthly Regulatory Filing Check List

Fund Year 2018 for Month of December

ITEM FILING STATUS Meeting Minutes 1/17/19 Bylaws Amendments N/A Risk Management Program Changes N/A New Member Filings N/A Supplemental Assessments/Contributions N/A Budget Amendments (transfers, etc.) N/A Surplus Distribution (refunds/dividends) N/A Changes/Amendments/Additions to Service Providers N/A Executive Committee Changes N/A

145

C:\Users\kkristie\Documents\ACM\Exec Dir\Reg Filing Yr.doc Date of last revision: 01/09/19

Atlantic County Municipal Joint Insurance Fund Annual Regulatory Filing Check List

Year: January 1, 2018 – December 31, 2018

ITEM FILING STATUS Ethics Filings (Notification emailed to FC’s and Prof’s) 4/4/18 Renewal Resolutions and Indemnity & Trust Agreements 11/12/18 Budget and Actuarial Certification/Opinion Letter 1/23/18 Annual Assessments/Contributions 1/23/18 Supplemental Assessments/Contributions N/A Risk Management Program 1/23/18 Annual Certified Audit 6/27/18 List of Fund Commissioners & Executive Committee 1/23/18 Identity of Administrator 1/23/18 Identity of Treasurer 1/23/18 Excess Insurance /Group Purchase Insurance/Reinsurance Policies 1/23/18 Withdrawals N/A Exhibit A – Certification of JIF Fund Professionals 1/23/18 Exhibit B - Certification of JIF Data Forms N/A Exhibit D - New Member Filings N/A New Service Providers 1/23/18 Annual Reorganization Resolutions, including Cash Management Plan 1/23/18

Professionals Contract Gen Ins. Fidelity E & O Surety Actuary – Actuarial Advantage X 8/7/19 N/A 7/16/19 N/A Administrative Consultant PERMA

X 12/10/18 N/A 12/10/18 N/A

Administrator - AJG X 10/1/19 5/1/18 10/1/19 N/A Asset Manager – Wilmington Trust X 10/1/18 JIF 10/1/18 N/A Banking – M & T X N/A 10/1/19 N/A N/A Attorney - DeWeese X 9/1/19 N/A 9/1/19 N/A Attorney (Subrogation) - DeWeese X 9/1/19 N/A 9/1/19 N/A Attorney (Conflict)-Lou Greco X 10/15/18 N/A 10/15/18 N/A Auditor- Bowman X 8/1/19 N/A N/A N/A Claims Administrator – Qual-Lynx X 7/1/19 5/1/18 10/1/19 12/31/18 Exposure Database Manger - Exigis X 3/31/19 NA 3/31/19 N/A Managed Care - QualCare X 7/1/19 N/A 10/1/19 N/A Payroll Auditor - Bowman X 8/1/19 N/A 8/1/19 N/A Property Appraiser - Assetworks X 9/27/19 N/A 9/27/19 N/A Safety Director – JA Montgomery X 12/10/18 N/A 12/10/18 N/A Underwriting Manager – Conner Strong

X 12/10/18 N/A 12/10/18 N/A

Website – Joyce Media X N/A N/A N/A N/A Treasurer – J. Hansen X N/A 5/1/18 N/A N/A Recording Secretary - T. Forlenza X N/A N/A N/A N/A Wellness Director – Valerie Smith X N/A N/A N/A N/A

146


2017 SIP Qualifiers Award

Member Opening January February March April May June July August September October November December Paid in Total YTD Ending Encumb Lunch

Municipality Balance 2018 2018 2018 2018 2018 2018 2018 2018 2018 2018 2018 2018 2019 Expenses Balance Funds $10 PP

Absecon 2,150.00 2,150.00 2,150.00 0.00 NA

Avalon 2,150.00 0.00 2,150.00 12/21/18 NA

Brigantine 2,400.00 1,894.39 1,894.39 505.61 12/28/18 NA

Buena 1,900.00 1,900.00 1,900.00 0.00 NA

Cape May 2,400.00 2,400.00 2,400.00 0.00 NA

Cape May Point 1,650.00 1,650.00 1,650.00 0.00 NA

Commercial 1,650.00 1,187.08 1,187.08 462.92 12/28/18 NA

Corbin City 1,650.00 1,163.19 35.30 197.00 1,395.49 254.51 12/17/18 NA

Deerfield 1,650.00 459.97 459.97 1,190.03 NA

Dennis 1,900.00 1,900.00 1,900.00 0.00 NA

Downe 1,650.00 0.00 1,650.00 12/28/18 NA

Egg Harbor Twp. 2,650.00 2,650.00 2,650.00 0.00 1,000.00

Estell Manor 1,650.00 1,650.00 1,650.00 0.00 NA

Folsom 1,650.00 1,650.00 1,650.00 0.00 NA

Galloway 2,400.00 2,400.00 2,400.00 0.00 NA

Hamilton 2,400.00 0.00 2,400.00 12/28/18 NA

Linwood 2,150.00 2,150.00 2,150.00 0.00 NA

Longport 1,900.00 1,900.00 1,900.00 0.00 NA

Lower 2,400.00 2,400.00 2,400.00 0.00 NA

Margate 2,400.00 2,400.00 2,400.00 0.00 12/28/18Middle 2,400.00 0.00 2,400.00 12/10/18 NA

Millville 2,650.00 2,650.00 2,650.00 0.00 NA

Mullica 1,900.00 1,900.00 1,900.00 0.00 NA

Newfield 1,650.00 1,650.00 1,650.00 0.00 NA

North Wildwood 2,400.00 2,397.99 2,397.99 2.01 NA

Northfield 2,150.00 746.22 104.31 1,299.47 2,150.00 0.00 10/23/18 NA

Ocean City 2,650.00 2,650.00 2,650.00 0.00 NA

Pleasantville 2,650.00 2,279.71 2,279.71 370.29 12/21/18 NA

Sea Isle City 2,400.00 1,029.58 1,029.58 1,370.42 09/14/18Somers Point 2,150.00 2,150.00 2,150.00 0.00 12/24/18 NA

Stone Harbor 2,150.00 2,150.00 2,150.00 0.00 6/20/2018

Upper Twp. 2,150.00 2,150.00 2,150.00 0.00 1,000.00

Upper Deerfield 1,900.00 1,900.00 1,900.00 0.00 NA

Ventnor 2,400.00 2,400.00 2,400.00 0.00 NA

Waterford 2,150.00 2,150.00 2,150.00 0.00 NA

West Cape May 1,650.00 0.00 1,650.00 12/21/18 NA

West Wildwood 1,650.00 1,650.00 1,650.00 0.00 NA

Weymouth 1,650.00 776.23 776.23 873.77 12/31/18 NA

Wildwood 2,650.00 2,650.00 2,650.00 0.00 NA

Wildwood Crest 2,150.00 2,150.00 2,150.00 0.00 NA

Woodbine 1,650.00 1,650.00 1,650.00 0.00 NA

ACMJIF Last Revision: 1/9/2019

147

Member Opening January February March April May June July August September October November December Paid Total YTD Ending Encumb.Municipality Balance 2018 2018 2018 2018 2018 2018 2018 2018 2018 2018 2018 2018 2019 Expenses Balance Funds

Absecon CityAvalon Borough $1,500.00 $0.00 $1,500.00 12/21/18Brigantine CityBuena Borough

Cape May City $1,500.00 $1,500.00 $1,500.00 $0.00Cape May Point $1,000.00 $1,000.00 $1,000.00 $0.00

Commercial Township $1,500.00 $696.58 $696.58 $803.42 12/28/18Corbin City

Deerfield TownshipDennis Township $1,250.00 $1,250.00 $1,250.00 $0.00Downe Township

Egg Harbor TownshipEstell Manor CityFolsom Borough

Galloway TownshipHamilton Township $2,000.00 $0.00 $2,000.00 12/28/18

Linwood $1,500.00 $1,500.00 $1,500.00 $0.00Longport BoroughLower Township $2,000.00 $472.80 $1,527.20 $2,000.00 $0.00

Margate CityMiddle Township

Millville CityMullica TownshipNewfield Borough $1,000.00 $1,000.00 $1,000.00 $0.00

North Wildwood CityNorthfield City $1,500.00 $575.56 $861.39 $63.05 $1,500.00 $0.00 10/23/18

Ocean City $2,500.00 $2,500.00 $2,500.00 $0.00Pleasantville City $2,500.00 $2,488.75 $2,488.75 $11.25 12/21/18

Sea Isle City $2,000.00 $997.34 $1,002.66 $2,000.00 $0.00 09/14/18Somers Point City

Stone Harbor $1,500.00 $1,500.00 $1,500.00 $0.00Upper Township

Upper Deerfield TownshipVentnor City

Waterford Township $1,500.00 $1,500.00 $1,500.00 $0.00West Cape May $1,000.00 $0.00 $1,000.00 12/21/18West Wildwood

Weymouth Township $1,000.00 $1,000.00 $1,000.00 $0.00 12/31/18Wildwood City $2,500.00 $2,262.00 $238.00 $2,500.00 $0.00

Wildwood Crest BoroughWoodbine Borough

Total By Line $29,250.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $2,075.56 $1,500.00 $472.80 $0.00 $1,858.73 $3,825.05 $14,203.19 $23,935.33 $5,314.67


2018 Optional Safety Budget

Must be Claimed of Encumbered by December 31, 2018. All Encumbered Funds Must be Claimed by February 1, 2019

ACMJIF Updated as of 1/9/2019

148


2018 WELLNESS INCENTIVE PROGRAM ALLOWANCE

Member Opening January February March April May June July August Sept. October November December Paid in Total YTD EndingMunicipality Balance 2018 2018 2018 2018 2018 2018 2018 2018 2018 2018 2018 2018 2019 Expenses Balance Encumbered

Absecon 800.00 800.00 800.00 $0.00

Avalon 1,000.00 921.76 921.76 $78.24Brigantine 1,500.00 1,499.56 1,499.56 $0.44Buena 600.00 600.00 600.00 $0.00Cape May City 1,000.00 1,000.00 1,000.00 $0.00Cape May Point 275.00 275.00 275.00 $0.00Commercial 275.00 0.00 $275.00 12/28/18Corbin City 275.00 48.58 173.11 53.31 275.00 $0.00Deerfield 275.00 0.00 $275.00Dennis 600.00 0.00 $600.00 12/14/18Downe Township 275.00 0.00 $275.00 12/28/18Egg Harbor Twp. 1,500.00 1,500.00 1,500.00 $0.00Estell Manor 275.00 275.00 275.00 $0.00Folsom 275.00 150.00 150.00 $125.00 12/14/18Galloway 1,000.00 977.16 977.16 $22.84Hamilton 1,000.00 0.00 $1,000.00 12/28/18Linwood 800.00 0.00 $800.00Longport 800.00 800.00 800.00 $0.00Lower 1,000.00 1,000.00 1,000.00 $0.00Margate 1,500.00 1,500.00 1,500.00 $0.00Middle 1,000.00 750.14 249.15 999.29 $0.71Millville 1,500.00 1,500.00 1,500.00 $0.00Mullica 600.00 379.95 220.05 600.00 $0.00Newfield 275.00 0.00 $275.00North Wildwood 1,000.00 42.73 698.00 259.27 1,000.00 $0.00Northfield 800.00 483.13 270.44 28.28 781.85 $18.15 10/23/18Ocean City 1,500.00 1,500.00 1,500.00 $0.00Pleasantville 1,500.00 955.19 955.19 $544.81 12/21/18Sea Isle City 1,000.00 253.95 145.47 399.42 $600.58 09/14/18Somers Point 1,000.00 1,000.00 1,000.00 $0.00 12/24/18Stone Harbor 1,000.00 1,000.00 1,000.00 $0.00Upper Twp. 800.00 470.90 299.92 770.82 $29.18Upper Deerfield 600.00 600.00 600.00 $0.00Ventnor 1,500.00 1,500.00 1,500.00 $0.00Waterford 800.00 800.00 800.00 $0.00West Cape May 275.00 0.00 $275.00 12/21/18West Wildwood 275.00 69.52 62.87 120.46 19.07 271.92 $3.08Weymouth 275.00 275.00 275.00 $0.00Wildwood 1,500.00 0.00 $1,500.00 12/18/18Wildwood Crest 1,000.00 1,000.00 1,000.00 $0.00Woodbine 275.00 0.00 $275.00

Total By Line $33,500.00 $0.00 $0.00 $69.52 $0.00 $42.73 $442.82 $48.58 $1,150.00 $698.00 $1,673.11 $12,793.17 $7,082.76 $9,609.04 $26,526.97 $6,973.03

Must be claimed or encumbered by December 31, 2018. Encumbered Funds need to be claimed by February 1, 2019

Updated as of 1/9/2019149


2018 EPL/CYBER Risk Management Budget

Member Opening January February March April May June July August Sept. October November December Paid in Total YTD EndingMunicipality Balance 2018 2018 2018 2018 2018 2018 2018 2018 2018 2018 2018 2018 2019 Expenses Balance Encumbered

Absecon 725.00 725.00 725.00 $0.00

Avalon 725.00 0.00 $725.00 12/31/18Brigantine 725.00 0.00 $725.00 12/28/18Buena 725.00 535.50 $189.50 725.00 $0.00Cape May City 725.00 $725.00 725.00 $0.00 12/29/18Cape May Point 725.00 $725.00 725.00 $0.00Commercial 725.00 725.00 725.00 $0.00Corbin City 725.00 223.93 $464.64 688.57 $36.43 11/13/18Deerfield 725.00 0.00 $725.00Dennis 725.00 $725.00 725.00 $0.00Downe Township 725.00 0.00 $725.00 12/28/18

Egg Harbor Twp. 725.00 725.00 725.00 $0.00Estell Manor 725.00 725.00 725.00 $0.00Folsom 725.00 725.00 725.00 $0.00Galloway 725.00 725.00 725.00 $0.00Hamilton 725.00 0.00 $725.00 12/28/18Linwood 725.00 0.00 $725.00Longport 725.00 725.00 725.00 $0.00Lower 725.00 700.00 700.00 $25.00Margate 725.00 725.00 725.00 $0.00Middle 725.00 725.00 725.00 $0.00Millville 725.00 725.00 725.00 $0.00Mullica 725.00 725.00 725.00 $0.00Newfield 725.00 0.00 $725.00North Wildwood 725.00 725.00 725.00 $0.00Northfield 725.00 725.00 725.00 $0.00Ocean City 725.00 725.00 725.00 $0.00Pleasantville 725.00 0.00 $725.00 12/21/18Sea Isle City 725.00 725.00 725.00 $0.00 09/14/18Somers Point 725.00 0.00 $725.00 12/24/18Stone Harbor 725.00 0.00 $725.00Upper Twp. 725.00 725.00 725.00 $0.00Upper Deerfield 725.00 725.00 725.00 $0.00Ventnor 725.00 0.00 $725.00Waterford 725.00 725.00 725.00 $0.00West Cape May 725.00 0.00 $725.00 12/21/18West Wildwood 725.00 715.50 715.50 $9.50Weymouth 725.00 725.00 725.00 $0.00Wildwood 725.00 725.00 725.00 $0.00Wildwood Crest 725.00 725.00 725.00 $0.00Woodbine 725.00 725.00 725.00 $0.00

Total By Line $29,725.00 $0.00 $0.00 $725.00 $0.00 $700.00 $0.00 $0.00 $725.00 $0.00 $0.00 $3,659.43 $6,515.50 $8,629.14 $20,954.07 $8,770.93

Must be Claimed or Encumbered by December 31, 2018. All Encumbered Claims Must be Claimed by February 1, 2019

Updated as of 1/9/2019150

EPL Helpline Authorized Contact Person(s)


Date of Last Revision: 01/09/19 C:\Users\kkristie\Documents\ACM\Exec Dir\EPL Helpline.doc

TOWN AUTHORIZED CONTACT PERSON ADDITIONAL CONTACT PERSON(s)

Absecon City Jessica Thompson John Armstrong, Mayor Avalon Borough Scott Wahl James Waldron Brigantine City Mollye O’Neill Edward Stinson Buena Borough David Zappariello, Mayor Jill McCrea Cape May City N/A Patricia Harbora Cape May Point Borough

Stephen O’Connor Elaine Wallace

Commercial Township

Hannah E. Nichols N/A

Corbin City Michael McGowan N/A Deerfield Township Karen Seifrit, Clerk N/A Dennis Township Jessica Bishop, CFO Patrick Moran Downe Township Robert Campbell Dennis Cook Egg Harbor Township

Peter Miller, Administrator Jennifer McIver

Estell Manor City N/A Linda Kent Folsom Borough Patricia Gatto Louis DeStefano Galloway Township Christian Johansen Cheryl Prakash Hamilton Township Michael Jacobs, Administrator Mary Kelly, HR Dir. Linwood City Leigh Ann Napoli, Clerk N/A Longport Borough Jenna Kelly/CFO Amelia Strawder Lower Township James Ridgway Julie Picard, Asst Clerk Margate City Richard Deaney Johanna Casey Middle Township Kim Krauss Vera Kalish, Personnel Officer Millville City Regina Burke Pam Shaprio Mullica Township Dawn Stollenwerk, CFO Kim Johnson, Clerk Newfield Borough Toni Van Camp, Clerk/Administrator N/A Northfield City Mary Canesi, Fund Commissioner Dawn Stollenwerk, CFO North Wildwood City

Ron Simone Tracey Nordberg

Ocean City Elizabeth Wood, Asst Dir of HR N/A Pleasantville City Linda Peyton, Administrator Davinna King, Personnel Officer Sea Isle City George Savastano, Administrator Kellie Seib

151

EPL Helpline Authorized Contact Person(s)


Date of Last Revision: 01/09/19 C:\Users\kkristie\Documents\ACM\Exec Dir\EPL Helpline.doc

TOWN AUTHORIZED CONTACT PERSON ADDITIONAL CONTACT PERSON(s)

Somers Point City Wes Swain, City Administrator Carol L. Degrassi, City Clerk Stone Harbor Borough

Jill Gougher N/A

Upper Deerfield Township

Roy Spoltore, Clerk Vicki Vagnarelli, HR

Upper Township Barbara Spiegel Rhonda Sharp Ventnor City Lisa Hand James Goos Waterford Township

William Richardson Susan Danson

West Cape May Borough

Suzanne Schumann Lauren Viteilli

West Wildwood Borough

Chris Ridings, Administrator Donna Frederick, Clerk

Weymouth Township

Ken Haeser N/A

Wildwood City N/A N/A Wildwood Crest Borough

Patricia Feketics Loretta Scott

Woodbine Borough Lisa Garrison, Clerk William Pikolycky

152

JIF Entity No Submission Failed Tier 1 Tier 2

Atlantic Borough of Avalon XAtlantic Borough of Buena XAtlantic Borough of Cape May Point XAtlantic Borough of Folsom 4/10/2018 4/10/2018Atlantic Borough of Longport 10/5/2018 10/5/2018Atlantic Borough of Newfield XAtlantic Borough of Stone Harbor XAtlantic Borough of West Cape May 9/5/2018Atlantic Borough of West Wildwood XAtlantic Borough of Wildwood Crest XAtlantic Borough of Woodbine XAtlantic City of Absecon XAtlantic City of Brigantine XAtlantic City of Cape May XAtlantic City of Corbin City XAtlantic City of Estell Manor XAtlantic City of Linwood XAtlantic City of Margate XAtlantic City of Millville XAtlantic City of North Wildwood XAtlantic City of Northfield XAtlantic City of Ocean City XAtlantic City of Pleasantville XAtlantic City of Sea Isle City XAtlantic City of Somers Point XAtlantic City of Ventnor XAtlantic City of Wildwood XAtlantic Township of Commercial XAtlantic Township of Deerfield XAtlantic Township of Dennis XAtlantic Township of Downe XAtlantic Township of Egg Harbor XAtlantic Township of Galloway XAtlantic Township of Hamilton XAtlantic Township of Lower XAtlantic Township of Middle XAtlantic Township of Mullica 9/27/2018 9/27/2018Atlantic Township of Upper 5/29/2018 5/29/2018Atlantic Township of Upper Deerfield XAtlantic Township of Waterford XAtlantic Township of Weymouth X

Page 1 of 1Revision Date: 1/3/2019

MEL CYBER RISK MANAGEMENT COMPLIANCE ACMJIF

154

Member ID Fund ID Member Name Renewal Date Applicant Title Effective

Date1 ATL AVALON 1/1/2017 Connie L. DiCola Tax Collector 01/01/071 ATL AVALON 1/1/2017 Alexis Coan Tax Collector 09/01/161 ATL AVALON 1/1/2017 James A. Thatcher Library Treasurer 11/14/071 ATL AVALON 1/1/2017 James V. Craft Treasurer (CFO) 12/06/072 ATL BRIGANTINE 1/1/2019 Dana Wineland Tax Collector 01/13/073 ATL BUENA 1/1/2017 Maryann Coraluzzo Tax Collector 01/01/073 ATL BUENA 1/1/2017 Cynthia LoGuidice Treasurer 10/01/135 ATL CAPE MAY 1/1/2018 Neil Young Treasurer 09/30/135 ATL CAPE MAY 1/1/2018 Joann Bradley Tax Collector 02/07/17

377 ATL CAPE MAY POINT 1/1/2018 James Craft Treasurer 01/01/13377 ATL CAPE MAY POINT Kimberly Stevenson Tax Collector 03/01/18377 ATL CAPE MAY POINT 1/1/2018 David Carrick Utilities Collector 02/25/146 ATL COMMERCIAL 1/1/2017 Leslie A. Kraus Tax Collector 09/01/107 ATL DEERFIELD 1/1/2018 Lorraine Boyer Treasurer (CFO) 02/19/147 ATL DEERFIELD 1/1/2018 Maria Schiano Branson Tax Collector 06/01/098 ATL DENNIS 1/1/2017 Glenn Clarke Treasurer (CFO) 01/01/078 ATL DENNIS 1/1/2017 Jessica Bishop Treasurer / CFO 05/31/18

595 ATL DOWNE TOWNSHIP 1/1/2017 Jennafer Hernandez Tax Collector 01/01/0910 ATL EGG HARBOR TOWNSHIP 1/1/2018 Sharon D. Riley Tax Collector 01/01/0710 ATL EGG HARBOR TOWNSHIP 1/1/2018 Jennifer Lynn McIver Treasurer 01/01/1011 ATL ESTELL MANOR 1/1/2018 Terrence Graff Tax Collector 04/04/1211 ATL ESTELL MANOR 1/1/2018 Judson Moore Treasurer 01/01/0812 ATL FOLSOM 1/1/2018 Bertha Cappuccio Tax Collector 01/01/07

ATL FOLSOM 1/1/2018 Dawn Stollenwerk CFO/Treasurer 01/01/1813 ATL GALLOWAY 1/1/2017 Christian Johansen Tax Collector 07/01/1413 ATL GALLOWAY 1/1/2017 Kristen Manning Treasurer 03/09/1514 ATL HAMILTON 1/1/2017 Renee DeSalvo Tax Collector 01/01/0715 ATL HAMMONTON Rosemarie F. Jacobs Tax Collector / Treasurer 01/01/0716 ATL LONGPORT 1/1/2017 Pamela Tomassi Tax Collector 01/01/1617 ATL LOWER 1/1/2019 Lauren Read Treasurer (CFO) 11/01/0717 ATL LOWER 1/1/2019 Bruce A Macleod Tax Collector (Interim) 09/04/1817 ATL LOWER 1/1/2019 Kathleen L. Brown Tax Collector 03/01/18530 ATL MARGATE 1/1/2019 Linda A. Morgan Tax Collector 01/01/15530 ATL MARGATE 1/1/2019 Lisa McLauglin Treasurer (CFO) 01/01/1518 ATL MIDDLE 1/1/2019 Sandra Beasley Tax Collector 06/30/0718 ATL MIDDLE 1/1/2019 Susan Anastasio-Quinones Chief Financial Officer 08/15/1619 ATL MILLVILLE Marcella D Shepard CFO 01/01/1819 ATL MILLVILLE Tracey L Gregoire Tax Collector 03/01/1820 ATL MULLICA 1/1/2018 Bertha Cappuccio Tax Collector 01/01/0721 ATL NEWFIELD 1/1/2017 Robert E. Scharle Treasurer (CFO) 01/01/0721 ATL NEWFIELD 1/1/2017 Maria Schiano Branson Tax Collector 12/15/1622 ATL NORTH WILDWOOD 1/1/2019 Todd N. Burkey Treasurer (CFO) 01/01/1322 ATL NORTH WILDWOOD 1/1/2019 Todd N. Burkey Tax Collector 08/16/0723 ATL NORTHFIELD 1/1/2017 Dawn Stollenwerk Treasurer (CFO) 02/15/1223 ATL NORTHFIELD 1/1/2017 Michele L. Kirtsos Tax Collector 10/05/1523 ATL NORTHFIELD 1/1/2017 Cynthia L. Stafford Library Treasurer 06/29/1624 ATL OCEAN CITY 1/1/2018 Frank Donato III Treasurer 01/01/1024 ATL OCEAN CITY 1/1/2018 Terence S. Graff Tax Collector 02/23/1524 ATL OCEAN CITY 1/1/2018 Constance Jenkins Pritchard Library Treasurer 01/01/1625 ATL PLEASANTVILLE 1/1/2017 Barry Ludy Treasurer 03/04/1325 ATL PLEASANTVILLE 1/1/2017 Flor Roman Tax Collector 01/01/0726 ATL SEA ISLE CITY 1/1/2019 Paula G. Doll Tax Collector / Treasurer (CFO) 01/01/0727 ATL SOMERS POINT 1/1/2017 William E. Swain Treasurer (CFO) 03/22/1427 ATL SOMERS POINT 1/1/2017 Lisa King Tax Collector / Utility Collector 01/01/1528 ATL STONE HARBOR 1/1/2019 Deborah Candelore Tax Collector 04/01/1128 ATL STONE HARBOR 1/1/2019 James Craft Treasurer 05/05/14375 ATL UPPER 1/1/2018 Barbara A. Spiegel Treasurer 06/23/08375 ATL UPPER 1/1/2018 Rhonda L. Sharp Tax Collector 07/01/0929 ATL UPPER DEERFIELD 1/1/2017 Andrea A. Penny Tax Collector 01/01/0729 ATL UPPER DEERFIELD 1/1/2017 Amy L. Colaneri Treasurer 07/01/0930 ATL VENTNOR 1/1/2017 Adetoro O. Aboderin Treasurer 01/01/0930 ATL VENTNOR 1/1/2017 Margaret Pacanowski Tax Collector 01/01/1831 ATL WATERFORD 1/1/2017 Francine Grubb Library Treasurer 07/01/1731 ATL WATERFORD 1/1/2017 Anita M. Wilson Tax Collector 01/01/0932 ATL WEST CAPE MAY 1/1/2019 David S. Carrick Water / Sewer Collector 01/01/0732 ATL WEST CAPE MAY 1/1/2019 Todd N. Burkey Tax Collector 01/01/0932 ATL WEST CAPE MAY 1/1/2019 Frank Donato III Treasurer (CFO) 06/01/0933 ATL WEST WILDWOOD 1/1/2018 Terence S. Graff Tax Collector 07/01/1233 ATL WEST WILDWOOD 1/1/2018 Elaine Brunkel-Crowley Treasurer (CFO) 03/04/1134 ATL WEYMOUTH 1/1/2018 Debra A. D'Amore Tax Collector 01/01/07475 ATL WILDWOOD CITY 1/1/2018 Lori J. Rosensteel Tax Collector 09/01/12475 ATL WILDWOOD CITY 1/1/2018 Donna Dennis Utilities Collector 01/03/00475 ATL WILDWOOD CITY 1/1/2018 Jeanette J. Powers Treasurer (CFO) 01/27/0735 ATL WILDWOOD CREST 1/1/2019 Lyndsey Herman Tax Collector 03/30/1535 ATL WILDWOOD CREST 1/1/2019 Francine B Springer Treasurer (CFO) 06/20/1836 ATL WOODBINE 1/1/2019 Lisa Garrison Tax Collector 07/01/0736 ATL WOODBINE 1/1/2019 John H. Miller Treasurer (CFO) 01/01/14

MEL STATUTORY BONDS as of 1/9/19

155

Member

Municipality

AbseconAvalon Approved Complete

Brigantine Approved CompleteBuena General Inquiry Inactive The Executive Director/Safety Director are unaware of any ongoing activity

Cape MayCape May Point

Corbin CityCommercial Approved Complete

DeerfieldDennisDowne

Egg Harbor Twp.Estell Manor

FolsomGalloway Removed Removed Park Equipment RemovedHamilton Removed Removed Park Equipment Removed as of 11/1/08LinwoodLongport

Lower Removed Removed Park Equipment removed as of 4/26/07Margate Planning Inactive The Executive Director/Safety Director are unaware of any ongoing activityMiddle Removed Removed Removed effective 2/27/2018MillvilleMullica Removed Park Equipment removed as of 11/5/09

NewfieldNorth Wildwood Approved Complete

NorthfieldOcean City Approved Pending

PleasantvilleSea Isle City Approved CompleteSomers PointStone Harbor Approved Complete

Upper DeerfieldUpper Twp. Approved Complete

VentnorWaterford

West Cape MayWest Wildwood

WeymouthWildwood

Wildwood CrestWoodbine


Skateboard Park Approval Status

Stage Status Notes

Last Update: 1/8/2019

156

January 2019

Sun Mon Tue Wed Thu Fri Sat 1

NY Day – Office Closed

2 9:00 AM RCF Claims/11:45 AM MEL Claims @ Forsgate

3

4

5

6

7

8

9

10 9:00 AM Claims Review Mtg/10:30 AM Draft Pick Mtg @ Hamilton Muni Bldg

11

12

13

14

15

16 3:00 PM Exec Comm Mtg @ Atlantic County Library

17

18

19

20

21 Martin Luther King Jr.

22

23

24

25

26

27

28

29

30

31 6:00 PM Elected Officials Seminar @ Nicolosi’s

161

February 2019

Sun Mon Tue Wed Thu Fri Sat 1

2 Groundhog Day

3 Super Bowl

4

5

6 6:00PM Elected Officials Sem @ Merighi’s, Vineland

7

8

9

10

11

12

13

14 9:00 AM Claims Comm Mtg @ Hamilton Muni Bldg

15

16

17

18 Presidents Day- Offices Closed

19

20

21

22

23

24

25

26

27

28

162

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C:\Users\kkristie\Documents\ACM\Exec Dir\EO General Invite.doc

South Jersey Communities Securing Their Future P. O. Box 530, Marlton, New Jersey 08053

Municipal Joint Insurance

Fund To: Municipal Clerks Fund Commissioners From: Kris Kristie, Sr. Account Representative Date: October 31, 2018 Re: Elected Officials Seminar

*********************************************************************************

Please accept this memorandum as an invitation to the 2018-2019 JIF Elected Officials training program. This year’s program will focus on public official’s liability, employment practices liability; cyber liability, and wellness program benefits. The goal of this training is to make our Elected Officials aware of the potential impact of their actions on their municipality, and potential personal exposure, while acting in official capacity.

As in the past, the New Jersey Municipal Excess Liability Joint Insurance Fund (MEL) will reduce each member’s 2019 MEL Assessment by $250 for each municipal Elected Official who completes the course by May 1, 2019. This credit is also extended to the member’s CEO (i.e. municipal manager/administrator). The maximum credit for each member is 5% of the member’s 2019 MEL Assessment.

The schedule of local Elected Official’s training seminars is listed below. You are welcome to attend any of the sessions listed. To register, please complete the attached form and return it to Sheila Ortiz at our office. Locally, the dates & location of this training is as follows:

Registration for all seminars is 5:30 PM – 6:00 PM. Seminars are from 6:00pm – 8:00 pm

Thursday, December 6, 2018 – Merighi’s Savoy Inn, Vineland

Thursday, January 31, 2019 – Nicolosi’s Caterers, West Deptford

Wednesday, February 6, 2019 – Merighi’s Savoy Inn, Vineland

Thursday, March 21, 2019 – O’Connor’s, Eastampton

Please feel free to contact my office if you have any questions.

cc: Risk Management Consultants

163

PLEASE RESPOND NO LATER THAN 2 WEEKS PRIOR TO ANY TRAINING DATE!

ELECTED OFFICIALS RISK MANAGEMENT SEMINAR

REGISTRATION FORM Please Print

Course Date/Location: _____________________________________________________

Name: __________________________________________________________________

Title: ___________________________________________________________________

Municipality: ____________________________________________________________

Contact: ________________________________________________________________

Phone Number: __________________________________________________________

Fax: ___________________________________________________________________

E-Mail: _________________________________________________________________ Forward the completed form to: Ms. Sheila Ortiz Arthur J. Gallagher Risk Management Services PO Box 530 Marlton, NJ 08053 E-Mail: [email protected] Fax: (856) 446-9149

Registration for all seminars is 5:30 PM – 6:00 PM. Seminars are from 6:00pm – 8:00 pm

Thursday, December 6, 2018 – Merighi’s Savoy Inn, Vineland

Thursday, January 31, 2019 – Nicolosi’s Caterers, West Deptford

Wednesday, February 6, 2019 – Merighi’s Savoy Inn, Vineland

Thursday, March 21, 2019 – O’Connor’s, Eastampton

164

Municipality Name Jan-18 Feb-18 Mar-18 Apr-18 May-18 Jun-18 Jul-18 Aug-18 Sep-18 Oct-18 Nov-18 Dec-18

# FC

Attended

#ALT

Attended

Total

Meetings

% FC

Attended

%ALT

Attended

Combined

Attendance

(Mtg Occurred=Y) Y Y Y Y Y Y Y Y Y Y Y 11

Absecon Armstrong/Thompson N/A FC N/A N/A FC FC FC FC N/A Alt N/A 5 1 11 45% 9% 55%

Avalon Wahl/Waldron FC FC FC FC FC FC N/A N/A N/A FC FC 8 0 11 73% 0% 73%

Brigantine Blowers/Krause FC FC FC FC FC N/A FC FC N/A FC FC 9 0 11 82% 0% 82%

Buena Boro Nimohay/Jones FC FC FC FC FC FC N/A FC FC N/A FC 9 0 11 82% 0% 82%

Cape May Picard/Burke FC FC FC FC FC FC FC FC FC FC FC 11 0 11 100% 0% 100%

Cape May Point O'Connor/vanHeeswyk FC N/A FC FC FC FC N/A Alt FC FC FC 8 1 11 73% 9% 82%

Commercial Twp Sparks/Humphries FC N/A FC FC N/A N/A FC FC FC N/A FC 7 0 11 64% 0% 64%

Corbin City Foster/Turner FC FC N/A FC FC FC FC FC FC FC FC 10 0 11 91% 0% 91%

Deerfield Seifrit/Closer FC N/A N/A FC FC N/A N/A N/A FC FC FC 6 0 11 55% 0% 55%

Dennis Moran/Justice N/A N/A N/A FC N/A N/A N/A FC FC FC FC 5 0 11 45% 0% 45%

Downe Campbell, B./Clifton N/A Alt Alt Alt N/A N/A Alt Alt N/A N/A FC 1 5 11 9% 45% 55%

Egg Harbor Twp.Miller/Von der Hayden Alt FC FC Alt FC Alt Alt Alt FC FC FC 6 5 11 55% 45% 100%

Estell Manor Kent/Seelman FC Alt Alt Alt FC N/A N/A N/A FC FC FC 5 3 11 45% 27% 73%

Folsom Gatto/Schenker FC FC FC FC FC N/A N/A N/A FC N/A FC 7 0 11 64% 0% 64%

Galloway Prakash/Johansen N/A FC N/A FC FC FC N/A FC FC FC N/A 7 0 11 64% 0% 64%

Hamilton Perez/Jacobs FC FC FC FC FC FC FC FC FC FC FC 11 0 11 100% 0% 100%

Linwood Beck/Napoli FC FC FC FC FC FC FC FC FC FC FC 11 0 11 100% 0% 100%

Longport Hirsch FC FC FC FC FC FC FC FC FC FC FC 11 0 11 100% 0% 100%

Lower Picard/Ridgway FC FC FC N/A FC FC FC FC FC FC N/A 9 0 11 82% 0% 82%

Margate McLaughlin/Adams Alt Alt N/A Alt Alt FC FC FC FC FC FC 6 4 11 55% 36% 91%

Middle Krauss/Quinones N/A FC N/A Alt FC Alt FC Alt FC FC Alt 5 4 11 45% 36% 82%

Millville Burke/Shapiro FC FC FC FC FC FC FC N/A FC FC FC 10 0 11 91% 0% 91%

Mullica Stollenwerk FC FC FC FC FC FC N/A FC FC FC FC 10 0 11 91% 0% 91%

Newfield Barbagli/Marandino FC FC N/A N/A FC FC FC FC FC FC FC 9 0 11 82% 0% 82%

North Wildwood Simone/Nordberg FC FC FC Alt FC FC FC Alt FC FC FC 9 2 11 82% 18% 100%

Northfield Canesi/Campbell N/A FC FC FC FC Alt N/A FC FC FC FC 8 1 11 73% 9% 82%

Ocean City Woods/Wood FC FC FC N/A Alt Alt Alt FC Alt FC N/A 5 4 11 45% 36% 82%

Pleasantville Riggin/Stewart N/A FC N/A FC N/A FC FC N/A FC FC N/A 6 0 11 55% 0% 55%

Sea Isle Seib/Savastano FC FC FC Alt FC FC FC FC FC FC FC 10 1 11 91% 9% 100%

Somers Point Samuelson/Dill FC N/A N/A FC N/A FC N/A FC N/A N/A FC 5 0 11 45% 0% 45%

Stone Harbor Craft/Wagner N/A N/A FC FC FC FC FC FC FC N/A FC 8 0 11 73% 0% 73%

Upper Deerfield Spoltore/Vagnarelli FC FC FC FC FC FC N/A FC FC FC FC 10 0 11 91% 0% 91%

Upper Township Sharp/Young Alt FC N/A FC N/A N/A N/A FC FC FC FC 6 1 11 55% 9% 64%

Ventnor Goos/Aboderin FC FC FC FC FC FC FC FC FC FC FC 11 0 11 100% 0% 100%

Waterford Hanna/Danson FC Alt FC FC FC N/A Alt N/A Alt N/A Alt 4 4 11 36% 36% 73%

West Cape May Vitelli/Kaithern N/A FC N/A Rep Alt FC FC FC FC Alt N/A 5 2 11 45% 18% 64%

West Wildwood Ridings/ Brunkel-Crowley, E FC FC FC FC N/A FC FC FC N/A Alt Alt 7 2 11 64% 18% 82%

Weymouth Ayres/Carroll FC FC N/A N/A N/A N/A N/A FC FC N/A FC 5 0 11 45% 0% 45%

Wildwood City Wood/Gose FC FC FC FC N/A FC N/A FC FC FC N/A 8 0 11 73% 0% 73%

Wildwood Crest Mahon/Feketics FC FC FC FC FC FC FC FC FC N/A FC 10 0 11 91% 0% 91%

Woodbine Garrison/Gurdgiel N/A FC N/A N/A Alt Alt FC N/A FC Alt FC 4 3 11 36% 27% 64%41 31 35 27 35 32 31 26 41 33 35 32 34 307 43 451 68% 10% 78%

76% 85% 66% 85% 78% 76% 63% 100% 80% 85% 78% 83%

N/A No representation for this municipalityFC Fund Commissioner in attendanceALT Alt. Fund Commissioner in attendance

F:\DATA\Risk\EXCEL\ACMJIF\2018\[ATTEND ACM18.xls]Mtg Attendance

2018 ACM Meeting Attendance

Last Update 1/3/2019165

ATLANTIC COUNTY MUNICIPAL JOINT INSURANCE FUND SAFETY DIRECTOR’S REPORT

TO: Municipal Fund Commissioners, Safety Coordinators, Risk Managers FROM: Robert Garish, Senior Risk Control Consultant DATE: January 7, 2019 Service Team:

Keith Hummel Associate Director Public Sector

Risk Control [email protected]

Office: 856-552-6862 Fax: 856-552-6863

Mailing Address: 231 Main Street

P. O. Box 2017, Toms River New Jersey 08754

Toll-Free: 877-398-3046

Robert Holwitt Consultant

[email protected] Office: 856-552-4624 Cell: 856-628-5705

Danielle Sanders Administrative Assistant

[email protected] Office: 856-552-6898 Fax: 856-552-6899

Robert Garish Consultant

[email protected] Office: 856-552-4650 Cell: 609-947-9719

DECEMBER ACTIVITIES

LOSS CONTROL SERVICES · Township of Commercial – Conducted a Loss Control Survey on December 7 · City of Corbin – Conducted a Loss Control Survey on December 13 · Township of Deerfield – conducted a Loss Control Survey on December 6 · Township of Dennis – Conducted a Loss Control Survey on December 12 · Township of Egg Harbor – Conducted a Loss Control Survey on December 11 · City of Estell Manor – Conducted a Loss Control Survey on December 13 · City of Estell Manor – Conducted a Loss Control Survey on December 20 · Borough of Folsom – Conducted a Loss Control Survey on December 13 · Township of Galloway – Conducted a Loss Control Survey on December 13 · Township of Hamilton – Conducted a Loss Control Survey on December 18 · Borough of Newfield – Conducted a Loss Control Survey on December 10 · City of Pleasantville – Conducted a Loss Control Survey on December 6 · City of Pleasantville – Conducted a Loss Control Survey on December 14 · City of Somers Point – Conducted a Loss Control Survey on December 5 · Township of Upper Deerfield – Conducted a Loss Control Survey on December 6 · Township of Weymouth – Conducted a Loss Control Survey on December 13 · Borough of Woodbine – Conducted a Loss Control Survey on December 12

166

JIF MEETINGS ATTENDED · Claims Meeting – December 13 · Executive Committee Meeting – December 19 · Executive Safety Committee Meeting – December 20

MEL MEDIA LIBRARY The following members used the MEL Media Library during December. Please note the new e-mail address: [email protected] and telephone number: 856-552-4900. To either view, the full media catalog or rent videos, use the above website or NJMEL.org.

December Municipality # of Videos

Township of Deerfield 1 MEL MEDIA CATALOG To view the entire updated MEL Media Catalog with 100 new DVD titles go to NJMEL.org, click on the Video button at the top of the page, and then choose ‘Order Conventional Videos.’

NEW SAFETY DIRECTOR’S BULLETINS AND NOTICES Regional training announcements and Bulletins are distributed by e-mail to Fund Commissioners, Safety Coordinators, and Risk Consultants. Please access the Atlantic JIF (http://www.acmjif.org) to verify Fund Commissioners, Safety Coordinators and Risk Managers contact information is correct. If you find a discrepancy, please let us know. If applicable, a copy or copies of the Safety Director’s Bulletins are attached. The following Safety Director Bulletins and alerts were distributed by e-mail during December. If you are not receiving updates or would like to add other names to the distribution list, please let us know. Ø December 4 - 2018 Special Recognition Nominations Ø December 4 - MSI Bulletin - CDL Exemption for the Fire & EMS Services Ø December 11 - MSI Bulletin - Reminder to Check Motor Vehicle Records of Drivers Ø December 13 - MSI Bulletin – Avoiding Deer-Vehicle Collisions Ø December 18 - SD Message - Regulatory Training Reminder Ø December 19 - Did You Know? – MSI Training Schedule – Atlantic JIF, January 2019. UPCOMING EVENTS · Claims Committee Meeting – January 10 · Executive Committee Meeting – January 16

MSI TRAINING PROGRAMS NOTE: We need to keep our list of MSI Training Administrators up-to-date. If there are any changes, deletions or you need to appoint a new Training Administrator, please advise ([email protected]). Listed below are upcoming MSI training programs scheduled for January, February and March of 2019. Enrollment is required for all MSI classes. MSI classes are subject to cancellation or rescheduling at any time.

167

Members are reminded to log on to the www.njmel.org website, then click on the MSI logo to access the Learning Management System where you can enroll your employees and verify classes. Enrolling your staff ensures you will be notified of any schedule changes. If you need assistance using the MSI Learning Management System, please call the MSI helpline at 866-661-5120. DATE LOCATION TOPIC TIME

1/4/19 Township of Upper

Deerfield DDC-6 8:30 - 3:00 pm w/lunch brk 1/9/19 City of Vineland #1 Flagger/Work Zone Safety 8:00 - 12:00 pm 1/14/19 Borough of Longport #1 CEVO-Fire-Evening 6:30 - 10:30 pm

1/15/19 Borough of Woodstown

#1 Employee Conduct/Violence

Prevention 8:30 - 10:00 am


#1 Hearing Conservation 10:15 - 11:15 am 1/16/19 City of Ventnor BBP 9:00 - 10:00 am 1/16/19 City of Ventnor Hearing Conservation 10:15 - 11:15 am 1/16/19 Township of Oldman's LOTO-Evening 6:30 - 8:30 pm 1/16/19 Township of Oldman's Confined Space Awareness-Evening 8:45 - 9:45 pm

1/17/19 Township of Pennsville

#1 CDL-Drivers Safety Regulations 8:30 - 10:30 am


#1 Confined Space Awareness 10:45 - 11:45 am 1/18/19 City of Brigantine #3 Excavation/Trenching/Shoring 8:30 - 12:30 pm


#1 Fast Track to Safety 8:30 - 12:30 pm 1/24/19 Borough of Avalon #4 HazMat Awareness w/HazCom GHS 8:30 - 11:30 am

1/28/19 Township of Galloway Ladder Safety/Walking Working

Surfaces 8:30 - 10:30 am

1/28/19 Township of Galloway Employee Conduct/Violence

Prevention 10:45 - 12:15 pm 1/29/19 City of Ocean City #4 CMVO 8:30 - 12:30 pm 1/30/19 City of Ventnor BBP 9:00 - 10:00 am 1/30/19 City of Ventnor Hearing Conservation 10:15 - 11:15 am

2/4/19 Township of Egg Harbor

#5 DDC-6 8:30 - 3:00 pm w/lunch brk 2/6/19 City of Vineland #1 Flagger/Work Zone Safety 8:00 - 12:00 pm

2/7/19 Borough of Stone

Harbor #1 Snow Plow/Snow Removal 8:30 - 10:30 am

2/7/19 Borough of Stone

Harbor #1 Employee Conduct/Violence

Prevention 10:45 - 12:15 pm 2/8/19 City of Somers Point #3 Flagger/Work Zone Safety 8:00 - 12:00 pm 2/13/19 City of Ventnor LOTO 8:30 - 10:30 am 2/13/19 City of Ventnor Confined Space Awareness 10:45 - 11:45 am


Deerfield Excavation/Trenching/Shoring 8:30 - 12:30 pm 2/19/19 Township of Elsinboro BBP-Evening 6:30 - 7:30 pm 2/19/19 Township of Elsinboro Confined Space Awareness-Evening 7:45 - 8:45 pm 2/20/19 Township of Oldman's CEVO-Fire-Evening 6:30 - 10:30 pm

2/21/19 Borough of Avalon #4 Hazard ID: Making Your Observation

Count 8:30 - 10:30 am

168

DATE LOCATION TOPIC TIME 2/21/19 Borough of Avalon #4 Shift Briefing Essentials 10:45 - 12:15 pm


#5 Landscape Safety 8:30 - 11:30 am 2/27/19 Lower Township MUA Fall Protection Awareness 8:30 - 10:30 am 2/27/19 Lower Township MUA Hearing Conservation 10:45 - 11:45 am


#1 Accident Investigation 8:30 - 10:30 am 3/1/19 Township of Lower Fast Track to Safety 8:30 - 12:30 pm 3/6/19 City of Ventnor Excavation/Trenching/Shoring 8:30 - 12:30 pm 3/7/19 City of Vineland Heavy Equipment Safety 8:00 - 11:00 am


Deerfield Shop & Tool Safety 8:30 - 9:30 am


#5 Sanitation/Recycling Safety 8:30 - 10:30 am


#5 PPE 10:45 - 12:45 pm 3/13/19 City of Vineland #1 Flagger/Work Zone Safety 8:00 - 12:00 pm 3/15/19 City of Somers Point #1 Fire Safety 8:00 - 9:00 am 3/15/19 City of Somers Point #1 Fire Extinguisher 9:15 - 10:15 am 3/18/19 City of Brigantine #3 CDL-Drivers Safety Regulations 8:00 - 10:00 am 3/18/19 City of Brigantine #3 Fall Protection Awareness 10:15 - 12:15 pm 3/20/19 City of Pleasantville #1 Accident Investigation 8:30 - 10:30 am 3/20/19 City of Pleasantville #1 Back Safety/Material Handling 10:45 - 11:45 am 3/20/19 City of Pleasantville #1 BBP 12:00 - 1:00 pm 3/21/19 Township of Galloway Flagger/Work Zone Safety 8:30 - 12:30 pm

3/25/19 Township of Hamilton #3 Employee Conduct/Violence

Prevention 8:30 - 10:00 am 3/25/19 Township of Hamilton #3 Hearing Conservation 10:15 - 11:15 am 3/27/19 City of Vineland Heavy Equipment Safety 8:00 - 11:00 am 3/28/19 Borough of Avalon #4 Landscape Safety 8:30 - 11:30 am

169

MSI Course CEU's/Cat. MSI Course CEU's/Cat.Accident Investigation 2 / M Hazardous Materials Awareness w/ HazCom & GHS 3 / TAdvanced Safety Leadership 10 / M Hazard Identification - Making Your Observations Count 1 / T,MAsbestos, Lead & Silica Industrial Health Overview 1 / T,G Hearing Conservation 1 / T,GBack Safety / Material Handling 1 / T Heavy Equipment Safety 1 / G - 2 / TBloodborne Pathogens Training 1 / G Hoists, Cranes and Rigging 2 / T Bloodborne Pathogens Administrator Training 1 / T,M Housing Authority Safety Awareness 3 / TBOE Safety Awareness 3 / T Jetter Safety 2 / T CDL – Supervisors Reasonable Suspicion 2 / M Landscape Safety 2 / T CDL - Drivers' Safety Regulations 2 / G Leaf Collection Safety Awareness 2 / TCoaching the Maintenance Vehicle Operator 2 / T,M Lockout Tagout 2 / TConfined Space Entry – Permit Required 3.5 / T Personal Protective Equipment (PPE) 2 / TConfined Space Awareness 1 / T,G Playground Safety Inspections 2 / TDriving Safety Awareness 1.5 / T Sanitation and Recycling Safety 2 / TEmployee Conduct and Violence in the Work Place 1.5 / E Safety Committee Best Practices 1.5 / MExcavation Trenching & Shoring 2 / T,M Safety Coordinator's Skills Training 3 / M,GFall Protection Awareness 2 / T,M Shop and Tool Safety 1 / TFast Track to Safety 4 / T Seasonal Public Works Operations 3 / TFire Extinguisher 1 / T Snow Plow Safety 2 / TFire Safety .5/ T - .5/ G Special Events Management 2 / MFlagger / Workzone Safety 2 / T,M Shift Briefing Essentials 1 / MHazCom with Globally Harmonized System 1 / T,G

MSI Course CEU's/Cat. MSI Course CEU's/Cat.Asbestos, Lead & Silica Industrial Health Overview 1 / P Hazard Identification - Making your Observations Count 2 / PBloodborne Pathogens Training 1 / P Safety Committee Best Practices 1.5 / PEmployee Conduct and Violence in the Work Place 1.5 / E Safety Coordinator's Skills Training 6 / P

Special Event Management 2 / P

MSI Course TCH's/Cat. MSI Course TCH's/Cat.Accident Investigation 1.5 / S Hazardous Materials Awareness w/ HazCom & GHS 3 / SAdvanced Safety Leadership 10 / S Heavy Equipment Safety 3 / SAsbestos, Lead & Silica Industrial Health Overview 1 / S Housing Authority Safety Awareness 3 / SBack Safety / Material Handling 1 / S Hazard Identification - Making your Observations Count 1.5 / SBloodborne Pathogens Training 1 / S Hearing Conservation 1 / SBloodborne Pathogens Administrator Training 2 / Non S Hoists, Cranes and Rigging 2 / SBOE Safety Awareness 3 / S Jetter Safety 2 / SCDL – Supervisors Reasonable Suspicion 1.5 / S Ladder Safety/Walking Working Surfaces 2 / SCDL - Drivers' Safety Regulations 2 / S Landscape Safety 2 / SConfined Space Awareness 1 /S Leaf Collection Safety Awareness 2 / SConfined Space Entry - Permit Required 3.5 / S Lockout Tagout 2 / SDefensive Driving-6-Hour 5.5 / S Shop and Tool Safety 1 / SDriving Safety Awareness 1.5 / S Office Safety 2 / SEmployee Conduct and Violence in the Work Place 1.5 / Non S Personal Protective Equipment (PPE) 2 / SExcavation Trenching & Shoring 4 / S Safety Committee Best Practices 1.5 / SFall Protection Awareness 2 / S Safety Coordinator's Skills Training 5 / Non SFast Track to Safety 4 / S Seasonal Public Works Operations 3 / SFire Extinguisher 1 / S Shift Briefing Essentials 1.5 / SFire Safety 1 / S Snow Plow Safety 2 / SFlagger / Workzone Safety 2 / S Special Event Management 2 / SHazCom with Globally Harmonized System 1.5 / S

MSI Course CEU's/Cat. MSI Course CEU's/Cat.Employee Conduct and Violence in the Work Place 1.5 / E Employee Conduct and Violence in the Work Place 1.5 / E

MSI Course CEU's/Cat. MSI Course CEU's/Cat.Fire Extinguisher Safety 1 / CRP Employee Conduct and Violence in the Work Place 1.5 / EHazard Recognition- Making your Observations Count 2 / CRPHeavy Equipment 3 / CRPSanitation and Recycling Safety 2 / CRP

MSI Course CEU's/Cat.Playground Safety Inspections (CEUs for all Park and Rec Professionals) .2

***Categories ***Categories(cont.)E - Ethics Non S - Non Safety (Management)T - Technical P - Professional DevelopmentG - Governmental M - ManagementS - Safety / Non S - Non Safety CRP - Certified Recycling Professional Classroom CEU

CEU's for Park and Rec Professionals

CEU's for Certified Publics Works Managers

CEU's for Registered Municipal Clerks

TCH's For Water/ Wastewater

CEU's for Tax Collectors CEU's for County/Municipal Finance Officers

CEU's for Qualified Purchasing AgentsCEU's for Certified Recycling Professionals

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December2018

About the Fire Service CDL Exemption

Periodically, the Safety Director is asked about the specifics or limitations of the exemption granted to the fire service, first aid and rescue agencies, and the office of emergency management (OEM). Upon an examination of the exemption, we provide the following guidance. Title 39:3-10k states, “unless otherwise required by federal law or regulations, and subject to any rules and regulations promulgated pursuant to the provisions of this act, no designated operator of firefighting apparatus … or operator of emergency or rescue equipment operated for the purposes of a first aid, ambulance, or rescue squad or for disaster control shall be subject to the licensing provisions of the “Commercial Motor Vehicle Safety Act of 1986.” 39:310k1 specifically extends the exemption to the local offices of emergency management. The wording does not specify any limitations to the exemption. The Safety Director is also not aware of federal laws, or further regulations of this provision that places any limitations or restrictions on this exemption. It is the opinion of the Safety Director that the exemption extends to any designated operator of fire apparatus, rescue unit, or OEM vehicle who operates that vehicle for emergency responses, drills, parades, repair and maintenance in the State of New Jersey. This is a State exemption, so non-emergency operation of vehicles over 26,000 gross vehicle weight beyond the State borders should be performed by a properly licensed and credentialed holder of a Commercial Drivers’ License. The Safety Director recommends emergency agencies update their lists of designated drivers / operators on at least a yearly basis. It is also important to have a comprehensive driver training program and driver training records. The Safety Director can assist agencies with written policies, initial and refresher training programs and resources, and with in-house accident investigations. Specific concerns regarding the operation of your agency’s vehicles can be brought to the attention of your town’s or district’s attorney. Members can also contact their Risk Manager with insurance or coverage questions.

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December 2018 Conducting Motor Vehicle Record Checks

Public entities have many employees who operate vehicles as part of their duties. Law enforcement officers are on patrol around the clock. Volunteer firefighters and emergency medical technicians respond in their private vehicles before getting in apparatus and ambulances. Public works and utility employees drive large vehicles that require Commercial Drivers Licenses (CDL). Administrative personnel and elected officials may occasionally use agency or private vehicles to conduct official business. Public agencies must verify that all employees who drive on the agency’s behalf possess a valid driver’s license and an acceptable driving record. Public employers should have a motor vehicle policy that encompasses all the types of drivers under their auspices. The Model Employee Handbook on the MEL website (www.njmel.org) includes a basic motor vehicle policy under the Insurance & Claims drop-down menu. Department managers will most likely need to supplement the basic policy to fully reflect their operations such as for CDL drivers, emergency operations, or employees who drive their personal vehicles. The Safety Directors recommend Motor Vehicle Records (MVRs) be reviewed at the following times:

Once a year for all full-time, part-time, seasonal and volunteer employees who drive an agency or personal vehicle as part of their job responsibilities,

As part of the pre-employment screening process, and Before approving volunteer firefighters, EMTs, or OEM personnel’s “Blue Light” applications.

An employer may order MVRs on their employees under the Federal Driver's Privacy Act which defines the following "permissible uses" of an MVR:

i. For use by any governmental agency...in carrying out its functions... ii. For use by an employer ... to obtain or verify information relating to a holder of a commercial drivers

license (CDL) that is required under Chapter 313 of Title 49.

Employees must be made aware their MVRs will be checked periodically. The N.J. Motor Vehicle Commission requires employees to sign an acknowledgment that they are aware the employer obtains driving history abstracts before operating a motor vehicle on employer business, and periodically thereafter. The signed release can be part of your Employee Handbook or a specific release to check the employee’s MVRs. Work with your solicitor to draft a release that conforms to the organization’s operations and any collective bargaining agreements. Each year the State will verify signed releases are on file. WHO SHOULD OBTAIN THE MVR ABSTRACTS? Designate one or two authorized individuals to order the MVRs from the N.J. Motor Vehicle Commission. MVRs may not be obtained through the local Police Department. Authorized individuals may be the Clerk, an Administrator, a Human Resource representative or the Police Chief. The designated individual must understand they may not share the information with unauthorized individuals as required by the Driver Privacy Protection Act. Remember, these are confidential reports. Department heads who review or act upon the MVR reports must also be aware of the confidential nature of driving histories.

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HOW DO I ORDER MVRS?

New Jersey public entities can order MVR abstracts from the NJ Motor Vehicle Commission (NJMVC). If you are ordering a small number of MVRs per year, then you are eligible to request MVRs by mail. Mail your request on letterhead to N. J. Motor Vehicle Commission, Business and Government Services, 225 East State Street, 3rd Floor East Wing, P.O. Box 122, Trenton, NJ 08666-0122. If you have any questions, you can call 609-292-4572. There is an annual fee for this service. Public employers requiring larger numbers of MVRs will need to establish a Customer Abstract Information Retrieval (CAIR) account by applying online at http://www.state.nj.us/mvc/business/cairrecords.htm. An Individual User Guide is available on the CAIR homepage. CAIR regulations require users to log in to their account at least every 90 days, or their account will be suspended. The Password must be updated every 45 days. Suspended accounts will need to be reactivated by a CAIR Administrator. The Safety Director suggests users put a reminder on their calendars.

HOW DO I EVALUATE INFORMATION ON THE MVR? A sample policy for evaluating MVR information is provided below. It is up to each public employer to establish evaluation standards for their agency in consultation with their agency’s attorney. The policy must be enforced consistently and without discrimination.

All employees authorized to drive vehicles owned, leased, or controlled by the [Public Entity Name] or use their

personal vehicles to conduct business on behalf of the [Entity Name] may have their MVRs reviewed prior to

entrustment of a vehicle and annually thereafter.

Drivers with acceptable, marginal or probation grading may be allowed to operate [Entity Name] vehicles or

their personal vehicles to conduct business on behalf of the agency.

Drivers with marginal or probation grading will have their MVRs reviewed more frequently. [Semiannual or

quarterly reports are recommended] Additional violations or accidents may result in suspension of driving

privileges for [Public Entity / Department Name].

Drivers with unacceptable driving records will not be permitted to operate an agency or their personal vehicle

to conduct business on behalf of [Public Entity Name].

Acceptable: No moving violations and/or preventable accidents over the last 36 months.

Marginal: Up to 2 moving violations and/or preventable accidents in the last 36 months.

Probation: Up to 3 moving violations and/or preventable accidents within the last 36 months.

Unacceptable: More than three moving violations and preventable accidents within the last 36 months, or more

than two moving violations and/or preventable accidents within the most recent year, or any of the violations

listed below:

Driving while under the influence (DWI or DUI)

Leaving the scene of an accident

Reckless driving violations

Homicide or assault through the use of a motor vehicle

Drivers who currently have a revoked or suspended license

If an accident is shown on an MVR, it will be assumed to be an ‘at-fault’ accident. Any change to such a

classification will be made only upon receipt of a police report or ruling from an accident review panel showing that

the driver in question was not at fault.

Please contact your Safety Director or the State Motor Vehicle Commission if you have additional Motor Vehicle Record questions.

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http://www.state.nj.us/mvc/business/cairrecords.htm

December 2018

Avoiding Deer – Vehicle Collisions

Autumn is the deer breeding season, or ‘rut’. The rut brings a peak in deer movement and we experience more deer on New Jersey roads, leading to a number of deer-vehicle collisions. Municipal vehicles are not immune from this hazard and in some cases, their operations can increase the likelihood, such as the 24 / 7 / 365 operations of police, fire and EMS agencies. The Safety Director offers the following best practices for avoiding deer-vehicle collisions. Know your local ‘Danger Zones’ – As you conduct your everyday business, learn the local areas where you see more deer than other places all year-round. Often these are places where trees form pinch points that create natural funnels. Pay extra attention to these areas, and mentally mark them as danger zones. Make a mental note of the locations of the deer crossing warning signs. Be vigilant – This is your most effective defense against a deer - vehicle collision. In areas where woodlands adjoin the roadway, be on the lookout in the ditches and forest edges for deer. Deer are most active at dusk and dawn: periods when your vision is most compromised. To add to their terrible timing, deer are most on the move after we turn our clocks back an hour and you are more likely to travel in darkness. You may also spot a deer because their eyes will brightly reflect a car’s headlights, making them easier to spot. Avoid distractions – There are a lot of things in work vehicles that can take our attention away from the road; radios, cell phones, computers, and conversations with passengers. Make a conscious decision to resist these distractions as much as possible, especially in danger zones. Slow Down Early – When you think you see a deer ahead, slow down and be prepared to completely stop if necessary. At night, deer may be blinded or confused by your headlights. They may not be sure if there is danger or where it is locate and may dart suddenly in front of you. Depending on traffic, you may also be able to move towards the center of the road giving you more time to react if the deer decides to enter the road. Blow Your Horn – Once you spot a deer standing on the roadside ahead, slow down and blow your horn. The structure of a deer’s ears, and their ability to pivot each ear independently, makes them very good at pinpointing the locations of sounds. Some experts recommend that one long blast of the horn will scare deer out of the road. Do not rely on hood whistles or other devices designed to scare off deer. University of Georgia researchers tested a variety of sounds of different frequencies and intensities to see how deer on a roadway reacted. These sounds, emitted from a specially equipped car, included a wide range of the high-frequency sounds that “deer whistles” are claimed to emit. In hundreds of trials, high-frequency whistles did not change deer behavior from the way they reacted when no sound was being emitted. Use your high beams – When traveling at night in suburban or rural areas, use your high beams whenever possible to help you spot deer on the roadside. Of course, don’t forget to dim your lights for oncoming traffic. Anticipate more than one deer – Deer are pack animals, and rarely travel alone. If a deer crosses in front of you, chances are there are more nearby. During the rut, a doe that runs across the road is very likely to be followed by one or more bucks. If you see one deer run across the road ahead of you, slow down and be prepared to stop.

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Do not swerve to avoid hitting the animal - If you see a deer, brake firmly and calmly, and stay in your lane. Do not swerve into the opposite lane or onto the shoulder of the road to avoid hitting the deer. Swerving or over-steering could make you lose control of your vehicle and turn a bad situation much worse. Deer can be unpredictable, and you could actually swerve directly into their changed path of travel.

Experts advise braking firmly up until the very last second of impact, and then releasing the brakes. This should propel the deer away from your vehicle instead of on to the hood or windshield. Should the animal make contact with the windshield, there’s a chance it will smash through, causing the driver to lose control of the vehicle, resulting in serious injury and in some cases, even death to the driver and passengers.

Wear your seatbelt – While wearing a seatbelt may not help prevent a collision with a deer, if the situation worsens and an impact is inevitable, it may lessen the consequences. A seat belt will keep you behind the steering wheel and in a better position to operate the controls of the car.

Investigate new technology – Researchers are constantly searching for new and innovative solutions to the hazards of deer – vehicle collisions. For example, developers have introduced a siren that they claim produces a sound wave that better scares deer away from the source of the noise. While the Safety Director does not recommend any particular product, we do recommend members evaluate for themselves promising new products, procedures, or ideas. We also promote sharing of successes among members.

If you are involved in a deer – vehicle collision:

1. Stay calm.

2. Move your vehicle to a safe place. If possible, pull over to the side of the road and onto the shoulder. Most accidents occur between dusk and dawn; times when you or your vehicle may be less visible to other motorists. Get out of your vehicle and stand in a safe place, well off the roadway.

3. Turn on your hazard lights.

4. New Jersey law requires you to call 9-1-1 if persons were injured or there is property or vehicle damage in excess of $500.00. The Safety Director recommends the police be notified of any deer-vehicle collision involving a public vehicle or a personal vehicle being driven on official business.

5. Notify your supervisor.

6. Stay away from the deer. If it is still alive, it could be confused, injured and dangerous if approached. A wounded deer could use its powerful legs and sharp hooves to harm you. When contacting the authorities, let them know if the deer is injured or blocking traffic or creating a threat for other drivers so that it can be quickly handled.

7. Document the incident: If it’s safe to do so, take photographs of the roadway, your surroundings, damage to your vehicle, and any injuries you or your passengers sustained. If witnesses stop, take down their account of what occurred and ask for their contact information.

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MSI Attendance 1/1/18 to 12/31/18 Total Classroom Uses Total Online Uses

ATLANTIC COUNTY MUNICIPAL JOINT INSURANCE FUND (ATL)

ABSECON (569) 3 46

AVALON (1) 224 522

BRIGANTINE (2) 68 3

BUENA (3) 9 13

CAPE MAY (5) 172 33

CAPE MAY POINT (377) 0 8

COMMERCIAL (6) 3 2

CORBIN CITY (376) 2 1

DEERFIELD (7) 4 2

DENNIS (8) 7 70

DOWNE TOWNSHIP (595) 3 1

EGG HARBOR TOWNSHIP (10) 112 417

ESTELL MANOR (11) 23 0

FOLSOM (12) 20 25

GALLOWAY (13) 79 343

HAMILTON (14) 69 16

LINWOOD (465) 2 26

LONGPORT (16) 64 71

LOWER (17) 45 3

MARGATE (530) 59 99

MIDDLE (18) 126 178

MILLVILLE (19) 77 78

MULLICA (20) 0 4

NEWFIELD (21) 3 8

NORTH WILDWOOD (22) 13 152

NORTHFIELD (23) 10 159

OCEAN CITY (24) 3 0

PLEASANTVILLE (25) 125 223

SEA ISLE CITY (26) 8 198

SOMERS POINT (27) 354 0

STONE HARBOR (28) 21 73

UPPER (375) 1 133

UPPER DEERFIELD (29) 59 4

VENTNOR (30) 145 16

WATERFORD (31) 79 4

WEST CAPE MAY (32) 1 28

WEST WILDWOOD (33) 0 8

WEYMOUTH (34) 55 0

WILDWOOD CITY (475) 59 158

WILDWOOD CREST (35) 83 121

Atlantic JIF Totals 2190 3246

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Date: January 2, 2019 To: Atlantic County Municipal Joint Insurance Fund From: Commissioner Hirsch Subject: MEL January Report John H. Dorsey: Board adopted a Resolution honoring John H. Dorsey, Esquire and acknowledging him as one of the Joint Insurance Fund Founding Fathers. Senator Dorsey was instrumental in supporting Joint Insurance Fund enabling legislation and served as the Fund Attorney for the Morris County Municipal Joint Insurance Fund and Municipal Excess Liability Joint Insurance Fund from 1987 until his retirement in 2015. Senator Dorsey passed away in December. 2019 Reorganization - The MEL conducted its 2019 Reorganization. The Board of Fund Commissioners held elections for officers and board members, noted below.

Chairman 1 Richard Hirsh Atlantic Fund Secretary 2 Mauro Tucci Suburban Essex Fund 3 Joseph Wolk Camden Fund 4 Charles Cuccia South Bergen 5 Robert Law Trico Fund 6 Jon Rheinhardt Morris Fund 7 Thomas Nolan Monmouth Fund 1 Joseph D’Arco NJSI 2 Bernie Rutkowski NJUA Fund 3 Paul Tomasko Bergen Fund 4 John Clarke NJPHA 5 Joy Tozzi Mid Jersey Fund 6 Veronica Laureigh Ocean Fund 7 William Northgrave Central Fund Megan Champney Suburban Fund

Municipal Excess Liability Joint Insurance Fund

9 Campus Drive – Suite 216 Parsippany, NJ 07054 Tel (201) 881-7632 Fax (201) 881-7633

177

Thomas Merchel PMM Fund Cynthia Ege PAIC Meghan Jack Burlco Fund Mark Antozzeski First Responders Fund 2019 MEETING SCHEDULE: 2019 Meeting Schedule March 29, 2019 (Friday) Hyatt Regency, Princeton 9:00 am June 5, 2019 (Wed) Forsgate Country Club 11:15 am September 4, 2019 (Wed) Forsgate Country Club 11:15 am October 16, 2019 (Wed) Forsgate Country Club 11:15 am November 20, 2019 (Wed) Sheraton Hotel, Atlantic City 1:00 pm January 3, 2020 (Thurs) Forsgate Country Club 11:15 am

2019 Standing Committees Chairpersons

Management Committee Richard Hirsch Marketing Committee Richard Hirsch Coverage Committee Mauro Tucci Investment Committee Jon Rheinhardt Legislative Committee Charles Cuccia Nominating Committee Charles Cuccia Safety & Education Committee Bernard Rutkowski Audit Committee Jon Rheinhardt Claims Review Committee Richard Hirsh

Fund Commissioners and Risk Management Consultants are encouraged to volunteer on standing committees. 2019 Fund Professionals & Professional Service Agreements – The MEL board awarded professional service agreements in accordance with a fair and open process for Fund years 2018, 2019 & 2020. Resolution reflected professional fees for 2019 and for the term of the contract. Purchase of Excess Insurance – The Board of Fund Commissioners adopted a resolution confirming the placement of excess coverage. The MEL commercial carrier for excess workers’ compensation is Safety National, Brit is the new excess liability and optional pol/epl carrier, Munich Reinsurance provides the optional excess liability; Caitlin provides the non-owed aircraft and the commercial carrier for excess property and boiler/machinery is Zurich. Underwriting Manager submitted and reviewed his renewal letter, particularly noting significant savings resulting from marketing the excess liability program.

178

Risk Management Plan - The Board of Fund Commissioners adopted the 2019 MEL Risk Management Plan. The plan has been amended to reflect excess rates and carriers for 2019. Membership: The MEL and its affiliated local Joint Insurance Funds accepted seven new members as of January 1, 2019.

Management Committee: Board accepted recommendations of the Management Committee putting the Reinsurance Producer on 90-day notice pending review of changes in personnel. In addition, Board accepted Committee’s recommendation for MEL to process additional premium to XL Caitlin, based on significant recent cyber claims experience.

The Canning Group has issued a draft report on the MEL’s procurement procedures. A meeting of the Management Committee meeting to review the report.

Annual Commissioner Retreat: The Board of Fund Commissioners Annual Retreat has been scheduled for March 29, 2019 and will be held at the Hyatt Regency, Princeton NJ beginning at 9:00AM. Registration and agenda will be distributed prior to the Retreat.

Audit Committee: Committee is scheduled to meet on January 17, 2019 to review the Internal Audits on Reinsurance and Underwriting.

Legislative Committee: The committee met on November 14, 2018; minutes of the meeting submitted to Board for information. Committee is scheduled to meet on February 22, 2019.

Safety & Education Committee: The committee met on December 7, 2018 and is scheduled to meet again on February 22, 2019.

Board accepted the Committee’s recommendation to work with an attorney to review and Commercial Driver License (CDL) and non-CDL model policies to be distributed to the membership at a cost not to exceed $10,000. Coverage Committee: The committee is in the process of scheduling a meeting in late February.

Claims Committee: The Claims Review Committee met on December 5, 2018 and is scheduled to meet immediately following today’s board meeting. Minutes of the December 5th meeting are enclosed under separate cover.

179

January 2, 2019 Memo to: Atlantic County Municipal Joint Insurance Fund From: Commissioner Hirsch Re: RCF 2019 Reorganization Meeting Recognition of Service: Executive Director reported the MEL will be passing a resolution honoring the service and dedication of the late Senator John Dorsey. Executive Committee Nominations: The MEL Audit Committee made a recommendation from a Best Practices standpoint that beginning in 2018 the RCF Chair & Secretary positions be rotated in order to build a knowledge-base of the RCF and its critical operations. In addition to the rotation, it was recommended that the RCF Claims Committee be chaired by the Fund Chairman and include the Fund Secretary and RCF Chair, RCF Secretary and RCF Claims Chair would serve 2-year terms at which point the Secretary would then assume the Chair position. Although the RCF conducts its meetings as a Board of Commissioners, regulations require the election of an Executive Committee. Below is a listing of the 2019 Executive Committee and Alternates.

2019 Executive Committee Robert Law, Trico JIF, Chairman Gregory Franz, South Bergen JIF, Secretary Paul Tomasko, Bergen JIF John Clarke, MEL JIF Tom Nolan, Monmouth JIF Joseph Wolk, Camden JIF Brian Bigler, NJUA JIF

Alternates - Executive Committee David Matchett, Burlco JIF Joseph Catenaro, Suburban Essex JIF Richard Hirsch, Atlantic JIF Jon Rheinhardt, Morris JIF Tom Merchel, PMM JIF Sherry Sims, NJPHA JIF Veronica Laureigh, Ocean JIF William Northgrave, Central JIF Megan Champney, Suburban Municipal

Municipal Excess Liability Residual Claims Fund

9 Campus Drive – Suite 216 Parsippany, New Jersey 07054 Tel (201) 881-7632 Fax (201) 881-7633

183

RCF Claims Committee: The RCF Chairman submitted the following commissioners to serve on the 2019 RCF Claims Committee:

RCF Claims Committee Robert Law, Trico JIF, Chairman Gregory Franz, South Bergen JIF, Secretary Sherry Sims, NJPHA JIF Jon Rheinhardt, Morris JIF Megan Champney, Suburban Municipal JIF Tom Merchel, PMM JIF Veronica Laureigh, Ocean JIF Richard Hirsch, Atlantic JIF

Reorganizational Resolutions: The Board adopted the following resolutions as part of the reorganization process:

Resolution 1-19 Fund Professionals & Professional Service Agreements: The RCF board resolved to award professional service agreements in accordance with a fair and open process pursuant to N.J.S.A. 19:44A-20.4 et. seq. for fund years 2018, 2019 and 2020. In October, the Board accepted a recommendation reflecting professional compensation for Fund Year 2019; annual amounts and estimated 3-year contracts amounts are reflected in Resolution 1-19 as per Local Finance Notice 2017-10. The MEL Management Committee met on December 21, 2018 to discuss a potential change in the Service Provider Representative as currently noted in the RCF Deputy Administrator contract. Fund Attorney said a recommendation was made to invoke the 90-day termination clause until correspondence is received regarding the potential change to Service Provider Representative. The RCF Board of Fund Commissioners agreed to the recommendation and adopted resolution1-19 as amended. The Board of Fund Commissioners confirmed the following appointments:

2019 Fund Professionals Administrator Joseph Hrubash, PERMA Risk Mgmt. Services Deputy Administrator Arthur J. Gallagher Risk Mgmt. Services Attorney Fred Semrau, Esq. of Dorsey & Semrau Excess Claims Supervisor CB Claims LLC Treasurer Charles Cuccia Actuary The Actuarial Advantage Auditor Ferraioli, Wielkotz, Cerullo & Cuva, P.A. Asset Manager Wilmington Trust Banking Manager Investors Bank

Resolution 2-19 Fiscal Management Plan: Resolution submitted designating Official Depositories and approving a Cash Management Plan; authorizing Signatories on Administrative Accounts; authorizing Signatories on Claim Accounts; establishing a rate of interest for delinquent assessments; establishing a wire transfer procedure; and certifying Approval Officer for all Fund expenses. The Fiscal Management Plan included the MEL Joint Cash Management & Investment Program as a permissible investment; legislation was recently enacted into law allowing joint insurance funds to form certain investment programs. In addition to the Chair, Secretary and Treasurer, Commissioner Joseph Catenaro was designated as the additional RCF Commissioner signatory. 184

Resolution 3-19 Public Meeting Procedures: The Board of Fund Commissioners confirmed the following meeting schedule:

2019 Meeting Schedule & 2020 Reorganization March 29, 2019 Hyatt Regency- Princeton 9:00 am June 5, 2019 Forsgate Country Club 10:30 am September 4, 2019 Forsgate Country Club 10:30 am October 16, 2019 Forsgate Country Club 10:30 am January 2, 2020 Forsgate Country Club 10:30 am

The RCF Claims Committee will meet on the same day as the Executive Committee at the above listed locations at 9:00AM before the Fund meeting with the exception of the March meeting. The RCF Claims Committee will meet via teleconference at 9:00AM on March 6, 2019, May 1, 2019, July 17, 2019 and December 4, 2019; Teleconference will be initiated from the fund office located at 9 Campus Drive – Suite 216, Parsippany, NJ. The Fund’s newspaper is The Star Ledger (Newark). In addition, the MEL’s webpage is designated for official notices – www.njmel.org. Resolution 4-19 Fund Records: The Board confirmed the establishment of a Fund Records program appointing the Fund Secretary as custodian of records and Account Manager as Assistant Fund Secretary. Resolution 5-19 Risk Management Plan: The Board adopted the 2019 Risk Management Plan which detailed coverage, assessment methodology and procedure for closure of fund years.

Annual Commissioner Retreat: The Board of Fund Commissioners Annual Retreat has been scheduled for March 29, 2019 and will be held at the Hyatt Regency, Princeton NJ beginning at 9:00AM. Registration and agenda will be distributed prior to the Retreat. Claims Committee: The Claims Review Committee met on December 5, 2018 and met the morning of the Commissioner’s meeting. Minutes of the December meeting were enclosed under separate cover. Next Meeting: The next meeting of the RCF will be March 29, 2019 at 9:00AM at the Hyatt Regency in Princeton, NJ.

185

January 8, 2019 To the Members of the Executive Board of the Atlantic County Municipal Joint Insurance Fund I have enclosed for your review and, in some cases consideration, documents of presentation relating to claims, transfers, and the financial condition of the Fund. The statements included in this report are prepared on a “modified cash basis” and relate to financial activity through the one month period ending December 31, 2018, for Closed Fund Years 1987 to 2013, and Fund Years 2014, 2015, 2016, 2017 and 2018. The reports, where required, are presented in a manner prescribed or permitted by the Department of Insurance and the Division of Local Government Services of the Department of Community Affairs. All statements contained in this report are subject to adjustment by annual audit. A summary of the contents of these statements is presented below. INVESTMENT INTEREST & INVESTMENTS: ACTIVITY FOR MONTH~~December Interest Income: Interest received from Account Balances $ 19,808.38 Coupon Interest Payment $ 132,510.22 Amortization and/or interest cost {net} $ 6,171.87 Unrealized gain/<loss> $ 146,379.13 misc. $ .04___ Net gain/<loss> in interest $ 304,869.64 Interest Accrual: Beginning Interest Accrual at M&T/Wilmington Trust $ 161,782.32 Change in Accrued interest at M&T/Wilmington Trust-Sept $ 69,691.88 Ending Interest Accrual $ 92,090.44 Unrealized Gain/Loss: Current Month <$360,831.73> Prior Month <$214,452.60> Change in Unrealized Gain/Loss $ 146,379.13

186

Investment Balance beginning of month: $42,993,400.28 end of month-December: $44,172,194.17 Overall yield December x.xx% {from CIR_ACM file} Portfolio December: US Treasury Bills $ 20,560,482.67 46.55% US Treasury Bonds & Notes $ 23,611,711.50 53.45% RECEIPT ACTIVITY FOR THE PERIOD

Subrogation Receipts- December $118,260.84 {ytd:$420,329.29} Adjustment Receipts-other- December $4,986.86 {ytd:$30,122.98} CY Assessments <$1,450.00>{ytd:$20,116,923}

CLAIM ACTIVITY FOR THE PERIOD: ACTIVITY-December The enclosed report shows claim activity during the reporting period for claims paid by the fund and claims payable by the Fund at period end in the amount of $718,051.06. The claims detail shows 395 checks totaling 927 claims payments issued and are categorized as follows: Further Analysis: Payments: $ 718,051.06 Adjustments-void ck <$ 1,590.00> Adjustments-receipts <$ 4,986.86> Less Recoveries <$ 118,260.84> Net Total $ 593,213.36 CASH ACTIVITY FOR THE PERIOD: ACTIVITY-December The enclosed reconciliation report details that during the reporting period the Fund’s “Cash Position” changed from an opening balance of $56,038,848.34 to a closing balance of $54,682,099.45 showing a decrease in the fund's cash position of $1,356,748.89. A detailed account reconciliation of this change, including its affect on our banking instruments, is included in my report.

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ACTIVITY-2018 1/1/2018 $54,318,153.33 12/31/2018 $54,682,099.45 CHANGE $ 363,946.12 A.E.L.C.F. PARTICIPANT YEAR-END BALANCES 12/31/2018 AUDITED Hamilton Township $ 60,456.38* Hammonton Township $ 216,667.06**transfer from prior dividends Middle Township $ 100,613.72* Mullica Township $ 25,930.00 Northfield $ 56,113.00* Pleasantville $ 472.00 Upper Deerfield Township $ 60,736.55* Waterford Township $ 26,155.04 Upper Township $ 57,519.51***payment of $3,398.17 Stone Harbor $ 8,798.70 $613,461.96 *Includes 2018 Dividends Does not include interest allocations SUMMARY REPORT OF AELCF/DIVIDENDS/RETRO PROGRAM -attached -NOTE: CLOSE YEAR PAYMENTS TO FORMER MEMBERS: Buena Vista Twp=$19,289/Egg Harbor City=$46,931/Port Republic=$551 BILL LIST FOR THE PERIOD: Vouchers to be submitted for your consideration at the scheduled meeting show on the accompanying bill list at the end of my report. The information contained in this cover report is a summary of key elements related to activity during the reporting period. Other detailed information is contained in the attached documents and, if desired, a more specific explanation on any question can be obtained by contacting me at 609-425-1136 or email [email protected]. Respectfully Submitted, John J. Hansen John J. Hansen, Treasurer

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ACM JIF DEPOSITS

YTD TO DECEMBER 2018 CONTROL

21,231,192.40$ 420,329.29$ 3,300.00$ 132,613.15$ 30,122.98$ 20,117,973.00$ 11,068.00$ 133,117.97$ 244,808.38$ 137,859.63$ 0.00$

RECOVERY REGISTER: RECOVERY REGISTER:CONTROL MONTH DATE GROUP NAME TOTAL SUBROGATION EXCESS REIMB/REFUNDS/ALL OTHER OTHER ADJUSTMENT REGISTER CY ASSESSMENT PY ASSESSMENT INTEREST RETURN FROM M&T OTHER COMMENT

1 DECEMBER 12/10/2018 MULLICA 25.00$ 25.00$

2 DECEMBER 12/10/2018 MARGATE CITY 2,350.86$ 2,350.86$

3 DECEMBER 12/10/2018 OCEAN CITY 2,500.00$ 2,500.00$


5 DECEMBER 12/17/2018 AVALON 1,969.70$ 1,969.70$

6 DECEMBER 12/17/2018 BRIGANTINE 3,480.50$ 3,480.50$

7 DECEMBER 12/17/2018 OCEAN CITY 125.00$ 125.00$

8 DECEMBER 12/17/2018 EGG HARBOR TWP 100,000.00$ 100,000.00$

9 DECEMBER 12/20/2018 GALLOWAY 48.00$ 48.00$

10 DECEMBER 12/20/2018 NORTHFIELD 2,511.00$ 2,511.00$

11 DECEMBER 12/21/2018 BUENA VISTA TWP 30.00$ 30.00$

12 DECEMBER 12/21/2018 BUENA VISTA TWP 30.00$ 30.00$


14 DECEMBER 12/21/2018 DENNIS 7,805.87$ 7,805.87$

15 DECEMBER 12/21/2018 MIDDLE 437.00$ 437.00$

16 DECEMBER 12/21/2018 WILDWOOD 258.00$ 258.00$

17 DECEMBER 12/21/2018 LINWOOD 163.00$ 163.00$

18 DECEMBER 12/21/2018 MIDDLE 498.00$ 498.00$


20 DECEMBER 12/31/2018 FOLSOM 9.87$ 9.87$

21 DECEMBER 12/31/2018 WATERFORD 950.90$ 950.90$

22 DECEMBER 12/31/2018 INTEREST 19,808.38$ 19,808.38$

23 DECEMBER

143,056.08$ 118,260.84$ -$ -$ 4,986.86$ -$ -$ -$ 19,808.38$ -$

21,231,192.40$ 420,329.29$ 3,300.00$ 132,613.15$ 30,122.98$ 20,117,973.00$ 11,068.00$ 133,117.97$ 244,808.38$ 137,859.63$

21,231,192.40$ LESS $1450

20,116,523.00$

FILE:C:\Users\kkristie\AppData\Local\Microsoft\Windows\Temporary Internet Files\Content.Outlook\PZCSRXEF\YTD DEPOSITS TO DECEMBER 2018\2018 1/9/2019189

SUMMARY OF CASH AND INVESTMENT INSTRUMENTS


ALL FUND YEARS COMBINED

CURRENT MONTH November

CURRENT FUND YEAR 2018

Description: Instrument #1 Instr #2 Instr #3 Instr #4 Instr #5 Instr #6

ID Number: INVESTORS LOSS INVESTORS EXPENSEINVESTORS:IMPRESS 0 Wilmington Trust 0

Maturity (Yrs) 0 0 0 0 0 0

Purchase Yield: 0 0 0 0 0 0

TOTAL for All

Accts & instruments

Opening Cash & Investment Balance $53,330,922.05 8791154.28 500 529048.94 83415.55 43926803.28 0

Opening Interest Accrual Balance $136,397.96 0 0 0 0 136397.96 0

1 Interest Accrued and/or Interest Cost $57,696.86 $0.00 $0.00 $0.00 $0.00 $57,696.86 $0.00

2 Interest Accrued - discounted Instr.s $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

3 (Amortization and/or Interest Cost) $6,445.31 $0.00 $0.00 $0.00 $0.00 $6,445.31 $0.00

4 Accretion $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

5 Interest Paid - Cash Instr.s $17,611.39 $17,611.39 $0.00 $0.00 $0.00 $0.00 $0.00

6 Interest Paid - Term Instr.s $32,312.50 $0.00 $0.00 $0.00 $0.00 $32,312.50 $0.00

7 Unrealized Gain (Loss) $60,151.69 $0.00 $0.00 $0.00 $0.00 $60,151.69 $0.00

8 Net Investment Income $141,905.25 $17,611.39 $0.00 $0.00 $0.00 $124,293.86 $0.00

9 Deposits - Purchases $7,352,101.53 $4,241,578.22 $578,210.81 $1,500,000.00 $1,032,312.50 $0.00 $0.00

10 (Withdrawals - Sales) ($4,760,696.13) ($2,078,210.81) ($578,210.81) ($1,071,962.01) $0.00 ($1,032,312.50) $0.00

Ending Cash & Investment Balance $56,038,848.34 $10,972,133.08 $500.00 $957,086.93 $1,115,728.05 $42,993,400.28 $0.00

Ending Interest Accrual Balance $161,782.32 $0.00 $0.00 $0.00 $0.00 $161,782.32 $0.00

Plus Outstanding Checks $357,824.18 $0.00 $53,467.34 $304,356.84 $0.00 $0.00 $0.00

(Less Deposits in Transit) ($298,258.37) ($298,258.37) $0.00 $0.00 $0.00 $0.00 $0.00

Balance per Bank $56,098,414.15 $10,673,874.71 $53,967.34 $1,261,443.77 $1,115,728.05 $42,993,400.28 $0.00

Annualized Rate of Return This Month 3.11% 2.14% 0.00% 0.00% 0.00% 3.43%

191

Prop Liab Auto WC Ded Cont EJIF MEL Admin Total

2018 Opening Cash & Investment Balance (93,235.74) (1,173,194.53) 235,528.51 3,494,434.97 1,388,130.35 0.00 0.00 (1,603,413.50) 6,087,221.22 $8,335,471.28

Opening Interest Accrual Balance $137.50 $19.57 $457.47 $7,165.76 $2,608.76 $0.00 $0.00 $0.00 $12,619.11 $23,008.18

1 Interest Accrued and/or Interest Cost $0.00 $0.00 $241.04 $3,576.21 $1,420.62 $0.00 $0.00 $0.00 $6,229.68 $11,467.55

2 Interest Accrued - discounted Instr.s $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

3 (Amortization and/or Interest Cost) $0.00 $0.00 $26.93 $399.50 $158.70 $0.00 $0.00 $0.00 $695.92 $1,281.04

4 Accretion $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

5 Interest Paid - Cash Instr.s $0.00 $0.00 $73.58 $1,091.60 $433.63 $0.00 $0.00 $0.00 $1,901.55 $3,500.35

6 Interest Paid - Term Instr.s $32.57 $4.64 $108.37 $1,697.56 $618.01 $0.00 $0.00 $0.00 $2,989.45 $5,450.61

7 Unrealized Gain (Loss) $0.00 $0.00 $251.30 $3,728.37 $1,481.06 $0.00 $0.00 $0.00 $6,494.73 $11,955.46

8 Net Investment Income $0.00 $0.00 $592.84 $8,795.69 $3,494.00 $0.00 $0.00 $0.00 $15,321.87 $28,204.39

9 Interest Accrued - Net Change ($32.57) ($4.64) $132.67 $1,878.65 $802.60 $0.00 $0.00 $0.00 $3,240.22 $6,016.94

Ending Cash & Investment Balance $75,491.91 ($757,143.75) $304,067.96 $4,525,915.05 $1,753,181.58 $0.00 $0.00 ($1,603,413.50) $7,468,795.11 $11,766,894.36

Ending Interest Accrual Balance $104.93 $14.94 $590.14 $9,044.41 $3,411.37 $0.00 $0.00 $0.00 $15,859.34 $29,025.12


2017 Opening Cash & Investment Balance 93,777.64 2,072,165.70 253,115.90 3,809,434.66 1,959,416.48 0.00 0.00 253,120.90 377,473.47 $8,818,504.75

Opening Interest Accrual Balance $233.30 $5,112.22 $619.61 $9,910.82 $4,757.71 $0.00 $0.00 $591.36 $991.84 $22,216.86

1 Interest Accrued and/or Interest Cost $95.97 $2,120.66 $259.04 $3,898.58 $2,005.27 $0.00 $0.00 $259.04 $386.31 $9,024.88


3 (Amortization and/or Interest Cost) $10.72 $236.90 $28.94 $435.51 $224.01 $0.00 $0.00 $28.94 $43.15 $1,008.17

4 Accretion $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

5 Interest Paid - Cash Instr.s $29.29 $647.31 $79.07 $1,190.00 $612.09 $0.00 $0.00 $79.07 $117.92 $2,754.75

6 Interest Paid - Term Instr.s $55.27 $1,211.08 $146.79 $2,347.86 $1,127.10 $0.00 $0.00 $140.09 $234.96 $5,263.15

7 Unrealized Gain (Loss) $100.06 $2,210.89 $270.06 $4,064.46 $2,090.59 $0.00 $0.00 $270.07 $402.74 $9,408.86

8 Net Investment Income $236.04 $5,215.76 $637.11 $9,588.56 $4,931.96 $0.00 $0.00 $637.12 $950.12 $22,196.66

9 Interest Accrued - Net Change $40.70 $909.58 $112.25 $1,550.72 $878.17 $0.00 $0.00 $118.95 $151.34 $3,761.73

Ending Cash & Investment Balance $94,020.98 $2,065,928.38 $253,640.76 $3,665,550.28 $1,963,470.27 $0.00 $0.00 $253,639.07 $369,362.83 $8,665,612.57

Ending Interest Accrual Balance $274.00 $6,021.80 $731.87 $11,461.54 $5,635.89 $0.00 $0.00 $710.31 $1,143.18 $25,978.59

192


2016 Opening Cash & Investment Balance 7,482.98 2,008,660.33 333,506.39 2,331,912.46 2,030,203.34 123,796.03 0.00 112,254.59 56,985.02 $7,004,801.14




3 (Amortization and/or Interest Cost) $0.86 $229.64 $38.13 $266.59 $232.10 $14.15 $0.00 $12.83 $6.51 $800.82

4 Accretion $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

5 Interest Paid - Cash Instr.s $2.34 $627.47 $104.18 $728.45 $634.20 $38.67 $0.00 $35.07 $17.80 $2,188.18




9 Interest Accrued - Net Change $3.85 $797.31 $148.92 $848.77 $903.46 $55.28 $0.00 $50.13 $22.74 $2,830.47

Ending Cash & Investment Balance $7,497.97 $1,687,865.10 $330,436.93 $2,244,211.42 $2,034,410.01 $124,052.35 $0.00 $112,487.01 $57,105.71 $6,598,066.50

Ending Interest Accrual Balance $19.92 $6,109.10 $961.04 $7,339.78 $5,860.24 $356.72 $0.00 $323.46 $172.93 $21,143.20


2015 Opening Cash & Investment Balance 173,302.59 1,725,568.26 323,042.57 1,735,117.14 2,183,341.43 121,530.96 0.00 271,134.66 148,054.08 $6,681,091.69





4 Accretion $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00





9 Interest Accrued - Net Change $78.24 $687.26 $141.87 $651.46 $975.00 $54.26 $0.00 $121.08 $66.12 $2,775.27

Ending Cash & Investment Balance $173,660.56 $1,719,310.10 $322,199.83 $1,693,719.95 $2,187,862.03 $121,782.59 $0.00 $271,696.05 $148,360.63 $6,638,591.74


193


2014 Opening Cash & Investment Balance 104,121.15 1,042,022.03 (176,726.14) 1,367,098.14 2,184,273.10 31,358.20 0.00 203,302.24 197,279.89 $4,952,728.61





4 Accretion $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00


6 Interest Paid - Term Instr.s $60.01 $616.06 $12.07 $836.84 $1,259.98 $18.09 $0.00 $117.27 $113.79 $3,034.11



9 Interest Accrued - Net Change $46.55 $450.35 ($12.07) $562.25 $975.41 $14.00 $0.00 $90.79 $88.10 $2,215.38

Ending Cash & Investment Balance $104,336.67 $1,040,840.96 ($176,714.07) $1,373,028.53 $2,188,795.63 $31,423.13 $0.00 $203,723.17 $197,688.35 $4,963,122.37



Closed Opening Cash & Investment Balance 81,822.39 1,222,230.50 308,803.14 2,264,657.36 2,402,465.87 0.00 0.00 170,738.53 9,828,381.30 $16,279,099.09

Opening Interest Accrual Balance $198.70 $2,976.18 $751.93 $5,515.77 $5,849.93 $0.00 $0.00 $415.74 $24,192.08 $39,900.34

1 Interest Accrued and/or Interest Cost $83.74 $1,250.83 $316.03 $2,317.66 $2,458.69 $0.00 $0.00 $174.73 $10,058.39 $16,660.07


3 (Amortization and/or Interest Cost) $9.35 $139.73 $35.30 $258.91 $274.66 $0.00 $0.00 $19.52 $1,123.62 $1,861.09

4 Accretion $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

5 Interest Paid - Cash Instr.s $25.56 $381.80 $96.46 $707.44 $750.49 $0.00 $0.00 $53.34 $3,070.22 $5,085.32

6 Interest Paid - Term Instr.s $47.07 $705.05 $178.13 $1,306.68 $1,385.84 $0.00 $0.00 $98.49 $5,731.07 $9,452.34

7 Unrealized Gain (Loss) $87.30 $1,304.05 $329.48 $2,416.27 $2,563.30 $0.00 $0.00 $182.17 $10,486.34 $17,368.91

8 Net Investment Income $205.95 $3,076.42 $777.27 $5,700.27 $6,047.14 $0.00 $0.00 $429.76 $24,738.58 $40,975.39

9 Interest Accrued - Net Change $36.66 $545.78 $137.90 $1,010.98 $1,072.85 $0.00 $0.00 $76.25 $4,327.31 $7,207.73

Ending Cash & Investment Balance $82,151.54 $1,224,761.14 $309,442.51 $2,269,346.66 $2,407,440.16 $0.00 $0.00 $171,092.04 $9,680,508.56 $16,144,742.61

Ending Interest Accrual Balance $235.37 $3,521.96 $889.83 $6,526.75 $6,922.78 $0.00 $0.00 $491.99 $28,519.40 $47,108.07

194

of 18 www.wilmingtontrust.com

Corporate Headquarters

1100 North Market Street

Wilmington, DE 19890-0001

Accounts Included

WILMINGTON TRUST, NA AS INVESTMENT AGENT UNDER AGREEMENTDATED 2/23/2017 WITH ATLANTIC COUNTY MUNICIPAL MANAGEMENT JOINTINSURANCE FUND120772-000

Accounting Statement120772-000 - ATLANTIC COUNTY MUNICIPAL JIFDecember 01, 2018 - December 31, 2018

Your Portfolio at a GlanceOpening Market Value w/Accrued Income $43,155,182.60Net of Contributions & Withdrawals $893,732.67Net Investment Change $215,369.34Closing Market Value w/Accrued Income $44,264,284.61

Your Relationship Team

SUSAN T O'NEAL (302) 636-6448Relationship Managerso'[email protected]

ZIA E QASIM (302) 651-8413Portfolio [email protected]

JOHN HANSENATLANTIC COUNTY MUNICIPAL JIF105 SIMPSON AVEOCEAN CITY, NJ 08226

20190103 14.09.41 : 1927358 : 502345195


Relationship Summary

Asset Allocation ..............................................................................3

Accrued Income by Asset Class Summary.........................................3

Portfolio Valuations & Activity Summary ..........................................4

Income Received Summary ..............................................................4

Realized Gain/Loss Summary ...........................................................4

Cash Activity Summary ....................................................................5

Asset Allocation

Asset & Sub Asset Allocation...........................................................6

Holdings Detail

Fixed Income...................................................................................7

Cash & Equivalents .........................................................................9

Activity Detail

Transaction Activity Detail .............................................................11

Realized Gain / Loss Detail ............................................................14

Disclosures

Statement Disclosures ...................................................................15

Glossary

Glossary........................................................................................17

20190103 14.09.41 : 1927358 : 502345

Table of Contents

Accounting Statement120772-000 - ATLANTIC COUNTY MUNICIPAL JIFDecember 01, 2018 - December 31, 2018

Please see Glossary for descriptions of key fields depicted in this statement.

196



Asset Allocation

Asset ClassTotal

Market ValueAllocation

(%)

Fixed Income $23,611,711.50 53.45%

Cash & Equivalents 20,560,482.67 46.55

TOTAL $44,172,194.17 100%

Accrued Income by Asset Class SummaryAccrued Market Value + Estimated

Asset Class Market Value Income Accrued Income Annual Income Yield (%)

Fixed Income $23,611,711.50 $78,573.37 $23,690,284.87 $326,500.00 1.38%

Cash & Equivalents 20,560,482.67 13,517.07 20,573,999.74 488,169.93 2.37

TOTAL $44,172,194.17 $92,090.44 $44,264,284.61 $814,669.93 1.84%

Fixed Income

Cash & Equivalents

120772-000 - ATLANTIC COUNTY MUNICIPAL JIFDecember 01, 2018 - December 31, 2018

20190103 14.09.41 : 1927358 : 502345

Market Values may be generated using market quotations, closing price, mean bid or ask, or estimated market value obtained from quotation services. Mutual fund balances are incorporated into appropriate asset classifications. Derivative instru-ments are classified based upon the corresponding underlying security and does not represent a comprehensive risk assessment of your account.Asset values will fluctuate. Estimated Annual Income is provided for comparison purposes only. Estimated Annual Income is based on historical data or other assumptions and is not a guarantee of future results. This report should not beused to prepare tax documents.Yield for Cash & Equivalents is calculated based on Market Value of investments and does not include Uninvested Cash (Cash Balance) or Cash Payables and Receivables for pending trades.

197

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Portfolio Valuations & Activity Summary

Category Current Period Year-to-Date

Opening Market Value $42,993,400.28 $43,564,514.50

Accrued Income 161,782.32 125,568.68

Opening Market Value w/Accrued Income $43,155,182.60 $43,690,083.18

Contributions

Cash Receipts 10,179,895.06 42,734,609.71

Intra-Account Transfers - -

Other Receipts - -

Securities Transferred In - -

Tax Refunds - -

Total Contributions $10,179,895.06 $42,734,609.71

Withdrawals

Cash Disbursements - -

Intra-Account Transfers - -

Other Disbursements -9,286,162.39 -42,817,662.39

Other Fees - -

Securities Transferred Out - -

Tax Payments - -

Taxes Withheld - -

Wilmington Trust Fees - -5,451.26

Total Withdrawals -$9,286,162.39 -$42,823,113.65

Net Contributions & Withdrawals $893,732.67 -$88,503.94

Closing Market Value 44,172,194.17 44,172,194.17

Accrued Income 92,090.44 92,090.44

Closing Market Value w/Accrued Income $44,264,284.61 $44,264,284.61

Net Investment Change $215,369.34 $662,705.37

Net Investment Change Detail Current Period Year-to-Date

Net Investment Change $215,369.34 $662,705.37

Income Earned

Dividends - -

Net Interest 132,510.22 606,633.11

Other Income - -

Change in Accrual -69,691.88 -33,478.24

Total Income Earned $62,818.34 $573,154.87

Market Appreciation $152,551.00 $89,550.50

Management and advisory fees charged through accounts not listed under the Market Value Summarywill not be shown in this schedule. Transactions classified in Other (Receipts, Fees, and Disbursements)categories are identified in the Transaction Activity Detail.


Income Received Summary


TaxableDividends - -Interest 132,510.22 669,334.47Other Income - -

Total Taxable $132,510.22 $669,334.47

Tax-ExemptDividends - -Interest - -Other Income - -

Total Tax-Exempt - -

TOTAL RECEIVED $132,510.22 $669,334.47

Actual income received may differ from that presented on this schedule due to restatements related tocorporate actions. Purchase of Accrued Interest on securities is not included in the Summary.Taxable andTax-exempt status is determined by security, rather than account type, so tax-exempt accounts may haveholdings included in the Taxable category. This is not a tax document and should not be used for taxpreparation.

Realized Gain/Loss Summary


Short TermGain $6,171.87 $49,775.37Loss - -

Total Short Term $6,171.87 $49,775.37

Long TermGain - 6,445.31Loss - -

Total Long Term - $6,445.31

TOTAL GAIN/LOSS $6,171.87 $56,220.68

Realized Gain/Loss estimates are preliminary, are reliant upon accurate cost basis information, andmay not reflect all cost basis adjustments. Corporate actions and income reclassifications will alter aholding’s basis and subsequent gain/loss values. Gain/Loss estimates include results for both Taxableand Tax-exempt accounts. This is not a tax document and should not be used for tax preparation.


20190103 14.09.41 : 1927358 : 502345

Market Appreciation reflects your Closing Market Value w/Accrued Income, less the net of contribu-tions, withdrawals, and income earned, less your Opening Market Value w/Accrued Income.

(continued)

198

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URLTemp

URLTemp



Cash Activity Summary

Current Period Year-to-Date Category Cash Cash

Opening Balance - -

ReceiptsCash Receipts 10,179,895.06 42,734,609.71Dividends - -Intra-Account Transfers - -Maturities 19,534,239.78 57,325,165.53Net Interest 132,510.22 606,633.11Other Income - -Other Receipts - -Sales - -Tax Refunds - -

Total Receipts $29,846,645.06 $100,666,408.35

DisbursementsCash Disbursements - -Intra-Account Transfers - -Other Disbursements -9,286,162.39 -42,817,662.39Other Fees - -Purchases -20,560,482.67 -57,843,294.70Tax Payments - -Taxes Withheld - -Wilmington Trust Fees - -5,451.26

Total Disbursements -$29,846,645.06 -$100,666,408.35

TOTAL CLOSING BALANCE - -

Net Total Payables and Receivables -

NET OF CASH BALANCE -


20190103 14.09.41 : 1927358 : 502345

(continued)

Opening and Total Closing Balances include holdings of cash and money market funds in USD currency.Pending purchases, pending sales and foreign currency holdings are not included.

199

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Asset Allocation

Asset & Sub Asset Allocation

Total Market Closing Unrealized Market Value Asset Class Value (%) Market Value Cost Gain/Loss Accrued Income w/ Accrued Income

Fixed Income

U.S. Taxable Fixed Income 53.45% $23,611,711.50 $23,826,164.10 -$214,452.60 $78,573.37 $23,690,284.87

Total Fixed Income 53.45% $23,611,711.50 $23,826,164.10 -$214,452.60 $78,573.37 $23,690,284.87

Cash & Equivalents

Taxable 46.55 20,560,482.67 20,560,482.67 - 13,517.07 20,573,999.74

Total Cash & Equivalents 46.55% $20,560,482.67 $20,560,482.67 - $13,517.07 $20,573,999.74

TOTAL ASSETS 100% $44,172,194.17 $44,386,646.77 -$214,452.60 $92,090.44 $44,264,284.61


20190103 14.09.41 : 1927358 : 502345200

URLTemp


Holdings Detail

Fixed Income

Security Name Quantity Market Price Market Value CostUnrealizedGain/Loss

AccruedIncome

EstimatedAnnual Income

EffectiveDuration

Yield to Worst

(%)

MarketValue

(%)

U.S. Taxable Fixed Income

U.S. Treasury BondsUNITED STATES TREASURY NOTES DTD02/15/2016 0.750% 02/15/2019CUSIP: 912828P53Moody's: AAA

1,000,000 $99.806 $998,060.00 $992,890.63 $5,169.37 $2,832.88 $7,500.00 0.13 2.27% 2.26%

UNITED STATES TREASURY NOTES DTD03/15/2016 1.000% 03/15/2019CUSIP: 912828P95Moody's: AAA

1,000,000 99.720 997,200.00 991,015.63 6,184.37 2,983.43 10,000.00 0.21 2.35 2.26

UNITED STATES TREASURY NOTES DTD05/15/2016 0.875% 05/15/2019CUSIP: 912828R44Moody's: AAA

1,000,000 99.410 994,100.00 991,914.06 2,185.94 1,136.05 8,750.00 0.37 2.45 2.25

UNITED STATES TREASURY NOTES DTD07/15/2016 0.750% 07/15/2019CUSIP: 912828S43Moody's: AAA

2,000,000 99.043 1,980,860.00 1,972,968.75 7,891.25 6,929.35 15,000.00 0.54 2.52 4.48

UNITED STATES TREASURY NOTES DTD09/30/2012 1.000% 09/30/2019CUSIP: 912828TR1Moody's: AAA

1,000,000 98.816 988,160.00 994,140.63 -5,980.63 2,554.95 10,000.00 0.74 2.60 2.24

UNITED STATES TREASURY NOTES DTD12/15/2016 1.375% 12/15/2019CUSIP: 912828U73Moody's: AAA

2,000,000 98.809 1,976,180.00 1,997,656.25 -21,476.25 1,284.34 27,500.00 0.95 2.63 4.47

UNITED STATES TREASURY NOTES DTD02/28/2013 1.250% 02/29/2020CUSIP: 912828UQ1Moody's: AAA

1,950,000 98.461 1,919,989.50 1,941,164.06 -21,174.56 8,282.11 24,375.00 1.15 2.61 4.35


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Holdings Detail

Fixed Income (continued)


AccruedIncome


EffectiveDuration

Yield to Worst

(%)

MarketValue

(%)

UNITED STATES TREASURY NOTES DTD05/31/2013 1.375% 05/31/2020CUSIP: 912828VF4Moody's: AAA

1,000,000 $98.387 $983,870.00 $996,601.56 -$12,731.56 $1,208.79 $13,750.00 1.40 2.58% 2.23%

UNITED STATES TREASURY NOTES DTD08/15/2017 1.500% 08/15/2020CUSIP: 9128282Q2Moody's: AAA

2,000,000 98.363 1,967,260.00 1,975,625.00 -8,365.00 11,331.52 30,000.00 1.59 2.57 4.45

UNITED STATES TREASURY NOTES DTD10/31/2015 1.375% 10/31/2020CUSIP: 912828L99Moody's: AAA

1,000,000 97.969 979,690.00 992,500.00 -12,810.00 2,354.97 13,750.00 1.80 2.55 2.22

UNITED STATES TREASURY NOTES DTD01/31/2016 1.375% 01/31/2021CUSIP: 912828N89Moody's: AAA

2,000,000 97.707 1,954,140.00 1,973,671.88 -19,531.88 11,508.15 27,500.00 2.03 2.54 4.42

UNITED STATES TREASURY NOTES DTD05/31/2016 1.375% 05/31/2021CUSIP: 912828R77Moody's: AAA

1,000,000 97.430 974,300.00 986,679.69 -12,379.69 1,208.79 13,750.00 2.36 2.53 2.21

UNITED STATES TREASURY NOTES DTD08/15/2011 2.125% 08/15/2021CUSIP: 912828RC6Moody's: AAA

1,000,000 99.090 990,900.00 991,171.88 -271.88 8,026.49 21,250.00 2.52 2.54 2.24

UNITED STATES TREASURY NOTES DTD11/30/2016 1.750% 11/30/2021CUSIP: 912828U65Moody's: AAA

1,050,000 97.984 1,028,832.00 1,048,281.26 -19,449.26 1,615.38 18,375.00 2.82 2.52 2.33

UNITED STATES TREASURY NOTES DTD01/31/2015 1.500% 01/31/2022CUSIP: 912828H86Moody's: AAA

1,000,000 97.145 971,450.00 986,210.94 -14,760.94 6,277.17 15,000.00 2.98 2.52 2.20


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Holdings Detail

Fixed Income (continued)


AccruedIncome


EffectiveDuration

Yield to Worst

(%)

MarketValue

(%)

UNITED STATES TREASURY NOTES DTD03/31/2015 1.750% 03/31/2022CUSIP: 912828J76Moody's: AAA

2,000,000 $97.758 $1,955,160.00 $1,998,046.88 -$42,886.88 $8,942.31 $35,000.00 3.13 2.52% 4.43%

UNITED STATES TREASURY NOTES DTD06/30/2017 1.750% 06/30/2022CUSIP: 912828XW5Moody's: AAA

2,000,000 97.578 1,951,560.00 1,995,625.00 -44,065.00 96.69 35,000.00 3.34 2.53 4.42

Total U.S. Treasury Bonds $23,611,711.50 $23,826,164.10 -$214,452.60 $78,573.37 $326,500.00 1.70 2.53% 53.45%

Total U.S. Taxable Fixed Income $23,611,711.50 $23,826,164.10 -$214,452.60 $78,573.37 $326,500.00 1.70 2.53% 53.45%

TOTAL FIXED INCOME $23,611,711.50 $23,826,164.10 -$214,452.60 $78,573.37 $326,500.00 1.70 2.53% 53.45%

Cash & Equivalents


AccruedIncome


EffectiveDuration

Yield to Worst

(%)

MarketValue

(%)

Taxable

U.S. Treasury BillsUNITED STATES TREASURY BILLS DTD11/29/2018 DUE 01/22/2019CUSIP: 912796UK3

1,078,000 $99.68 $1,074,589.93 $1,074,589.93 - $1,977.84 $24,551.45 0.07 2.28% 2.43%

UNITED STATES TREASURY BILLS DTD12/11/2018 DUE 02/05/2019CUSIP: 912796UM9

2,075,000 99.65 2,067,810.13 2,067,810.13 - 2,529.77 47,930.43 0.11 2.31 4.68

UNITED STATES TREASURY BILLS DTD12/18/2018 ZERO CPN 02/12/2019CUSIP: 912796UN7

2,000,000 99.63 1,992,641.91 1,992,641.91 - 1,839.52 47,302.00 0.12 2.37 4.51

UNITED STATES TREASURY BILLS DTD09/20/2018 DUE 03/21/2019CUSIP: 912796RC5

5,075,000 99.41 5,044,853.09 5,044,853.09 - 3,975.42 119,262.50 0.22 2.35 11.42


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Holdings Detail

Cash & Equivalents (continued)


AccruedIncome


EffectiveDuration

Yield to Worst

(%)

MarketValue

(%)

UNITED STATES TREASURY BILLS DTD10/04/2018 DUE 04/04/2019CUSIP: 912796RD3

6,450,000 $99.35 $6,408,211.17 $6,408,211.17 - $2,132.08 $153,503.55 0.26 2.38% 14.51%

UNITED STATES TREASURY BILLS DTD10/11/2018 DUE 04/11/2019CUSIP: 912796RG6

4,000,000 99.31 3,972,376.44 3,972,376.44 - 1,062.44 95,620.00 0.28 2.39 8.99

Total U.S. Treasury Bills $20,560,482.67 $20,560,482.67 - $13,517.07 $488,169.93 0.22 2.36% 46.55%

Total Taxable $20,560,482.67 $20,560,482.67 - $13,517.07 $488,169.93 0.22 2.36% 46.55%

TOTAL CASH & EQUIVALENTS $20,560,482.67 $20,560,482.67 - $13,517.07 $488,169.93 0.22 2.36% 46.55%

Grand Total $44,172,194.17 $44,386,646.77 -$214,452.60 $92,090.44 $814,669.93 100%Accrued Income $92,090.44

Grand Total Market Value w/ Accrued Income $44,264,284.61


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Activity Detail

Transaction Activity DetailTrade DateSettlement Date Transaction Type Transaction Description Quantity

Cash Value

Cash Management

OPENING BALANCE - -

12/03/2018 Cash Receipts CASH RECEIPT ACH TRANSFER FROM CHECKING9871761889

- $1,074,589.93 -

12/03/201812/03/2018

Purchases PURCHASED 1078000 PAR VALUE OF U.S. TREASURY BILLS1/22/19 AT 99.6837 TRADE DATE 2018-12-03 SETTLEMENTDATE 2018-12-03

1,078,000 -1,074,589.93 -


- 2,067,810.13 -

12/13/201812/13/2018

Maturities MATURED 2075000 PAR VALUE OF U.S. TREASURY BILLS12/13/18 AT 100 TRADE DATE 2018-12-13 SETTLEMENTDATE 2018-12-13

2,075,000 2,067,720.81 -

12/13/2018 Interest CASH RECEIPT OF INTEREST EARNED ON U.S. TREASURYBILLS 12/13/18 ON 2075000 PAR VALUE DUE 2018-12-13

- 7,279.19 -

12/13/2018 Other Disbursements CASH DISBURSEMENT MISCELLANEOUS - ACH-CHK PAID TOM&T BANK ATLANTIC COUNTY MUNICIPAL JIF 9871761889

- -2,075,000.00 -

12/13/201812/13/2018


2,075,000 -2,067,810.13 -

12/15/201812/15/2018

Maturities MATURED 2000000 PAR VALUE OF U.S. TREASURY NOTES1.250% 12/15/18 AT 100 TRADE DATE 2018-12-15SETTLEMENT DATE 2018-12-15 $2,000,000.00 RECEIVABLESATISFIED

2,000,000 2,000,000.00 -


- 1,992,641.91 -

12/17/2018 Interest CASH RECEIPT OF INTEREST EARNED ON U.S. TREASURYNOTES 1.250% 12/15/18 AT $0.006250 /SHARE ON2000000 PAR VALUE DUE 2018-12-15

- 12,500.00 -


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Activity Detail

Trade DateSettlement Date Transaction Type Transaction Description Quantity

Cash Value

Cash Managment


- $13,750.00 -


- -2,026,250.00 -

12/17/201812/18/2018

Purchases PURCHASED 2000000 PAR VALUE OF UNITED STATESTREAS BILLS AT 99.6321 TRADE DATE 2018-12-17SETTLEMENT DATE 2018-12-18 $1,992,641.91 PAYABLESATISFIED

2,000,000 -1,992,641.91 -


- 5,044,853.09 -

12/20/201812/20/2018


5,075,000 5,049,895.67 -


- 25,104.33 -


- -5,075,000.00 -

12/20/201812/20/2018


5,075,000 -5,044,853.09 -

12/26/201812/27/2018

Purchases PURCHASED 6450000 PAR VALUE OF U.S. TREASURY BILLS4/04/19 AT 99.3521 TRADE DATE 2018-12-26 SETTLEMENTDATE 2018-12-27 $6,408,211.17 PAYABLE SATISFIED

6,450,000 -6,408,211.17 -

12/26/201812/28/2018

Purchases PURCHASED 4000000 PAR VALUE OF U.S. TREASURY BILLS4/11/19 AT 99.3094 TRADE DATE 2018-12-26 SETTLEMENTDATE 2018-12-28 $3,972,376.44 PAYABLE SATISFIED

4,000,000 -3,972,376.44 -

Transaction Activity Detail (continued)


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Activity Detail

Trade DateSettlement Date Transaction Type Transaction Description Quantity

Cash Value

Cash Managment

12/27/201812/27/2018


6,450,000 $6,416,623.30 -


- 33,376.70 -


- -41,788.83 -

12/28/201812/28/2018

Maturities MATURED 4000000 PAR VALUE OF FHLMC MTN 1.150%12/28/18 AT 100 TRADE DATE 2018-12-28 SETTLEMENTDATE 2018-12-28

4,000,000 4,000,000.00 -

12/28/2018 Interest CASH RECEIPT OF INTEREST EARNED ON FHLMC MTN1.150% 12/28/18 AT $0.005750 /SHARE ON 4000000 PARVALUE DUE 2018-12-28

- 23,000.00 -


- -50,623.56 -


- 17,500.00 -


- -17,500.00 -

CLOSING BALANCE - -

Transaction Activity Detail (continued)


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Activity Detail

Realized Gain / Loss Detail

Transaction Description Disposition Date Quantity Cost

ProceedsShort Term

Gain/LossLong TermGain/Loss

Realized Gain/Loss

MATURED 2000000 PAR VALUE OF U.S. TREASURY NOTES1.250% 12/15/18 AT 100 TRADE DATE 2018-12-15SETTLEMENT DATE 2018-12-15 $2,000,000.00 RECEIVABLESATISFIED

12/15/2018 2,000,000 $1,993,828.13 $2,000,000.00 $6,171.87 - $6,171.87

NET REALIZED GAIN/LOSS $1,993,828.13 $2,000,000.00 $6,171.87 - $6,171.87

Realized Gain/Loss estimates are preliminary, are reliant upon accurate cost basis information, and may not reflect all cost basis adjustments. Corporate actions and income reclassifications will alter a holding’s basis and subsequent gain/loss values.Gain/Loss estimates include results for both Taxable and Tax-exempt accounts. This is not a tax document and should not be used for tax preparation.


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Disclosures

Statement Disclosures

Statement Review; Limitations on ActionsPlease carefully review your statements and retain them for your records as they may contain notices,disclosures and other important information in addition to the summary of the transactions in youraccount for the reporting period, including contributions, distributions, transfers, and purchases andsales of securities. Summary data is also provided for off-setting investment option transfers or othertransfers made between accounts.

Please report promptly any material inaccuracy or discrepancy in this information to your RelationshipManager. If revised data becomes available to Wilmington Trust after these reports are generated,we may update our records accordingly; however, revised data typically will not result in thegeneration of a new report.

Fee ArrangementsWilmington Trust and its affiliates may earn additional compensation from uninvested cash in theform of earnings, which Wilmington Trust expects will be generated at the prevailing federal fundsrate. Such earnings may be generated between the time the moneys are received by WilmingtonTrust and actually forwarded to implement investment instructions, or between the time adistribution is issued and presented.

Affiliated Advisers"Wilmington Trust" is a service mark encompassing the trust and investment business ofManufacturer's & Trader's Trust Company ("M&T Bank") in providing services to this account, and ofsome of M&T Bank's subsidiaries and affiliates, serving individual and institutional clients.Subsidiaries and affiliates include, but are not limited to, Wilmington Trust Company (operating inDelaware only); Wilmington Trust, N.A., a national association; and Wilmington Funds ManagementCorp., Wilmington Trust Investment Advisors, Inc., and other registered investment adviser affiliates.For additional information regarding the Wilmington Trust brand, underlying entities, and productsand services offered, please visit our web site at www.wilmingtontrust.com.

In performing discretionary investment services for an account, M&T Bank or an affiliate may investaccount assets in one or more mutual funds, including mutual funds ("Affiliated Funds") advised byinvestment management affiliates of M&T Bank, including Wilmington Funds ManagementCorporation ("WFMC") and Wilmington Trust Investment Advisors, Inc. ("WTIA") ("AffiliatedAdvisers").

The Affiliated Advisers, M&T Bank, and M&T Securities, Inc., another affiliate of M&T Bank(collectively "M&T") may also provide administrative and shareholder services, and services underRule 12b-1 plans to the Affiliated Funds, and may receive compensation for those services. If M&Tprovides additional services to the Affiliated Funds, it would be entitled to receive additionalcompensation from those funds. The compensation for services provided to the Affiliated Funds is

determined by the Board of Trustees that governs each Affiliated Fund, and is subject to change fromtime to time in the discretion of such Board of Trustees.

Currently, WFMC, in its capacity as investment adviser to the Affiliated Funds, is entitled to receiveannual advisory fees between 0.45% and 0.95%. WFMC compensates WTIA directly for sub-advisoryservices provided to the Affiliated Funds. In its capacity as co-administrator of the Wilmington Funds,WFMC is currently entitled to receive annual co-administration fees from the Wilmington Funds asfollows: 0.04% on the first $5 billion; 0.03% on the next $2 billion; 0.025% on the next $3 billion;and 0.018% on assets in excess of $10 billion. All fees are calculated based on average daily assets.

M&T Bank may be entitled to receive an annual shareholder services fee of up to 0.25% with respectto the assets of certain accounts invested in the Wilmington Funds. If M&T Bank or an affiliate hasinvestment discretion over an account, then an account may receive a credit against the account-levelfiduciary (or investment management) fee for all or some portion of the foregoing fees when accountassets are invested in an Affiliated Fund. Alternatively, the value of account assets invested in anAffiliated Fund may be excluded from calculation of the account-level fiduciary (or investmentmanagement) fee.

Please consult a current prospectus, available at www.wilmingtonfunds.com, for the relevantAffiliated Fund or contact your Relationship Manager for additional information.

WTIA maintains updated disclosure information on Form ADV Part 2, the Disclosure Brochure. TheDisclosure Brochure contains information about WTIA, including a description of WTIA's programs,fees, trading practices, conflicts of interest, key personnel, and other business activities. TheDisclosure Brochure is available to all clients of WTIA upon request by contacting WTIA at (410)986-5656 or mailing your request to Wilmington Trust Investment Advisors, Ins., One Light Street,15th Floor, Baltimore, MD 21202. Additional information about WTIA also is available on the SEC'swebsite at www.adviserinfo.sec.gov.

Investment products, included affiliated offerings, are not insured by the FederalDeposit Insurance Corporation or any other governmental agency, are notdeposits of or other obligations of or guaranteed by Wilmington Trust, M&T, orany other bank or entity, and are subject to risks, including a possible loss of theprincipal amount invested.

Pricing and ValuationDetails of transaction charges and commissions are displayed on transaction confirmations, whichhave been mailed or made available separately to you. Wilmington Trust will also send you thisinformation upon request. To the extent Wilmington Trust has custody of assets but no investment


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Disclosures

authority over your account, you have the right at any time to receive, at no additional cost to you,written confirmations of securities transactions that occur in your account. These confirmations willbe mailed to you in the timeframe required by applicable regulations. Even if you previously waivedyour right to receive these confirmations, you may at any time ask to receive such confirmationsgoing forward. Please contact your Relationship Manager if you wish to have written tradeconfirmations mailed to you.

If we are managing the assets in this account, please contact your Relationship Manager if therehave been any changes to your financial situation or investment objectives, or if you wish to imposeany reasonable restrictions that might affect the management of this account, or reasonably changeany existing restrictions.

The investment values and estimated income information reported herein reflect the securities in youraccount on a trade date basis as of the close of your statement period. Pricing may reflect marketprice quotations, closing price, mean bid / ask price, or estimated market values obtained fromvarious third-party quotation services which we believe to be reliable and which were available whenthe report was prepared. If an investment did not have a readily determinable value, then reportedvalues are based on the last valuation available to us at the time the report was generated. Forassets not custodied at Wilmington Trust, prices and values are provided by the custodian, the issueror their administrator, and Wilmington Trust is not responsible for this information, nor canWilmington Trust guarantee its accuracy or timeliness. Valuation for Private Equity, Private RealEstate and Other asset classes reflect the most recent information available, but are typically illiquidand may have irregular reporting. Consult your Relationship Manager for details regarding valuationsfor your illiquid holdings.

Reported values may not equal market value or fair value and may include accruals. Asset values willfluctuate. This report should not be used to prepare tax documents or financial statements.Information for tax reporting purposes will be reflected in your annual Wilmington Trust TaxInformation Letter. Please contact your Relationship Manager if you have any questions.

Basis and limitations on use for Cost, Gains, and Losses. This is not a tax document. Thisinformation is being provided for your review of transactions and balances in your account for thereporting period. For tax reporting, you should rely on your official tax documents. Transactionsrequiring tax consideration should be reviewed with your tax advisor. Unrealized Gain and Loss datais reliant upon accurate cost basis information and represents the current value of a security less theadjusted cost basis for that security. If the current value is greater than the adjusted cost basis, thatposition has an unrealized gain. Conversely, if value is less than cost, the position carries anunrealized loss.

The cost basis of record for securities transferred into your Wilmington Trust account may have been

provided to us by a delivering firm, a transfer agent, or another adviser on a best efforts basis. Costbasis data provided through delivering firms is relied upon for this report but should be reviewed foraccuracy by each client. Cost basis on fixed income securities are adjusted for amortization, accretion,or principal paydowns and the method of calculation is based upon the type of fixed income securityand certain attributes, obtained from sources believed to be reliable. Where no cost basis is availablefor a security as of the last day of the reporting period, that security will reflect zero as the cost basis.

Investments: Are NOT FDIC-Insured Have NO Bank Guarantee May Lose Value

Statement Disclosures (continued)


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Glossary

Accrued Dividend represents dividends declared by the issuer which have not yet been paid.

Accrued Income represents income payments accumulated with a security (i.e., “priced in” to thesecurity value) since the last payment date but not yet received. Income accrues daily and is reset everytime accruals are paid.

Cost represents the reported original value of an asset adjusted for corporate actions, includingstock splits, dividends, and return of capital distributions. Tax cost basis on fixed income securitiesare adjusted for amortization, accretion or principal paydowns. The method of calculation is basedupon the type of fixed income security and certain attributes, obtained from sources believed to bereliable. This information is used to estimate capital gains and losses; however, this is not a taxdocument. This information is being provided for your convenience and is for informational purposesonly. For tax reporting, you should rely on your official tax documents. Transactions requiring taxconsideration should be reviewed with your tax advisor.

Securities acquired before 2011 are generally not subject to the new cost basis reporting rules setforth by the Internal Revenue Service Code in the Emergency Economic Stabilization Act of 2008 andare, therefore, considered “noncovered” under the new cost basis reporting rules. All other securitiesin this section are securities which are “covered” under the new cost basis reporting rules. Securitieswhich are “covered” under the new cost basis reporting rules are defined as securities which havebeen acquired on or after their applicable dates at which they are subject to the cost basis reportingrules and the adjusted basis will be reported to the IRS on form 1099-B for the applicable tax year inwhich the security is disposed.

Credit ratings are used to evaluate the likelihood of default by a bond issuer. Independent ratingagencies, such as Moody's Investors Service, analyze the financial strength of each bond's issuer.Moody's ratings range from Aaa (highest quality) to C (lowest quality). Bonds rated Baa3 and betterare considered "Investment Grade". Bonds rated Ba1 and below are "Speculative Grade" (also “HighYield”). The Weighted Average Credit Rating reflects a portfolio-weighted average of ratings onindividual rated bonds – non-rated bonds are excluded – it does not represent a rating of theportfolio as a whole. The weighted average is intended only as an aggregate illustration of the portfolioholdings rather than as an indication of their respective risks, as certain risks –including the risk ofdefault of individual issues– may be underrepresented by this measure.

Duration is a measure of a bond's sensitivity to changes in interest rates and is calculated as theaverage percentage change in a bond's value under parallel shifts of the yield curve. Thus a bond with

duration of 4 would be expected to lose 1% in value (price) in the event of a 25 basis point (0.25%)increase in market rates, represented by the yield curve. Conversely, that bond would be expected toappreciate 1% in value with a 25 basis point decrease in market rates.

Estimated Annual Income is an indication of income return expected from security positions overthe next 12 months assuming that the position quantities, interest /dividend rates, and prices remainconstant. For U.S. government, corporate, and municipal bonds it is calculated by multiplying thecoupon rate by the face value of the security. For common stocks, ADRs, REITs and mutual funds it iscalculated using an indicated (projected) annual dividend. They are provided for illustrative purposesonly, are not a forecast or guarantee of future results, and they should not be relied on for makinginvestment, trading, or tax decisions.

Estimated Yield compares the anticipated earnings on investments (Estimated Annual Income) tothe current price of the investments. Changes in the price of a security over time or in the amount ofthe investment held in your account will cause the estimated yield to vary. The actual yield may behigher or lower than the estimated amounts.

Net Interest represents the receipt of interest earned less the purchase of accrued interest onsecurities.

Taxable versus Tax-exempt status is determined at the security level, and not at the account typelevel. Thus accounts that carry a tax exemption, such as IRAs or various charitable trusts, often haveholdings that are categorized as Taxable for this report. Conversely, securities classified asTax-exempt for this report are held in taxable account types. Securities may be deemed Tax-exemptbased on a tax-advantaged treatment, typically for interest payments on municipal bonds, which maynot be available equally to all investors. Additionally, alternative tax treatments may mitigate oroffset tax advantages reflected in this report. This report is not a tax document and should not beused for tax preparation.

Term (Long or Short) reflects the holding period of the security. Long term indicates a holdingperiod one year or greater, while Short indicates a holding period less than one year.

Trade Date accounting is used throughout this report, unless otherwise identified, and records thepurchase or sale of an asset as of the date on which an agreement to purchase/sell was entered, or amarket trade executed, rather than on the settlement date (the actual delivery of the asset inexchange for payment). Thus, trades executed but pending settlement are treated as already presentin the account in reliance upon successful settlement. Trade date treatment serves as a better

Glossary120772-000 - ATLANTIC COUNTY MUNICIPAL JIFDecember 01, 2018 - December 31, 2018

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Glossary (continued)

reflection of actual decisions to buy/sell than settlement date, which can occur days later.

Unit Cost is the reported cost per share of an equity position, or cost per bond for debt securities. Itreflects the price paid, adjusted for corporate actions such as stock splits and return of capitaldistributions. It is used to estimate capital gains and losses; however, you should rely only on yourofficial tax documents for tax reporting purposes. All cost basis information is derived fromtransactions in the account or information supplied by you or other sources and is provided for yourconvenience and is for informational purposes only. There is no guarantee as to the accuracy ofthird-party cost basis information and it is not intended for tax reporting purposes. Please inform usin the event that a cost basis is not accurate.

Unrealized Gain/Loss is the difference between the current value of a security and the adjustedcost basis of that security. If the current value is greater than the original cost, that position has anunrealized gain. Conversely, if the current value is less than the original cost, that position has anunrealized loss.

Yield to Worst assumes the “worst case” yield to investors within the terms of the issue’sprovisions, such as use of prepayment, call, or sinking fund options that may be available to theissuer on some bonds.

Glossary120772-000 - ATLANTIC COUNTY MUNICIPAL JIFDecember 01, 2018 - December 31, 2018

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SUMMARY OF CASH TRANSACTIONS - ALL FUND YEARS COMBINED

Current Fund Year: 2018

Month Ending: November

Prop Liab Auto WC Ded Cont EJIF MEL Admin TOTAL

OPEN BALANCE 367,271.01 6,897,452.29 1,277,270.37 15,002,654.73 12,147,830.57 276,685.19 0.00 (592,862.58) 17,954,620.51 53,330,922.09

RECEIPTS

Assessments 181,593.18 419,119.96 70,974.17 1,369,853.22 362,359.83 0.00 0.00 0.00 1,770,559.64 4,174,460.00

Refunds 17,656.87 0.00 0.00 46,044.00 0.00 0.00 0.00 0.00 0.00 63,700.87

Invest Pymnts 933.03 16,005.96 2,832.04 29,544.49 23,580.48 541.25 0.00 1,970.89 34,667.44 110,075.58

Invest Adj 52.64 922.67 166.23 1,715.17 1,388.80 31.63 0.00 115.53 2,052.64 6,445.31

Subtotal Invest 985.67 16,928.63 2,998.27 31,259.66 24,969.28 572.88 0.00 2,086.42 36,720.08 116,520.89

Other * 159.87 0.00 0.00 0.00 0.00 0.00 0.00 0.00 (50.00) 109.87

TOTAL 200,395.59 436,048.59 73,972.44 1,447,156.88 387,329.11 572.88 0.00 2,086.42 1,807,229.72 4,354,791.63

EXPENSES

Claims Transfers 30,506.97 351,938.95 8,168.89 678,039.72 0.00 0.00 0.00 0.00 0.00 1,068,654.53

Expenses 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 578,210.81 578,210.81

Other * 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

TOTAL 30,506.97 351,938.95 8,168.89 678,039.72 0.00 0.00 0.00 0.00 578,210.81 1,646,865.34

END BALANCE 537,159.63 6,981,561.93 1,343,073.92 15,771,771.89 12,535,159.68 277,258.07 0.00 (590,776.16) 19,183,639.42 56,038,848.38

$56,038,848.34($0.04)

Report Month: November

Balance DifferencesOpening Balances: Opening Balances are equal $0.00Imprest Transfers: Imprest Totals are equal $0.00Investment Balances: Investment Payment Balances are equal $0.00

Investment Adjustment Balances are equal $0.00Ending Balances: Ending Balances are equal $0.00Accural Balances: Accural Balances are equal $0.00

Claims Transaction Status:

Allocation variance 1: Daily xactions add to monthly totals 0.00

Allocation variance 2: Monthly transactions and allocation totals are equal 0.00

Allocation variance 3: Treasurer/TPA net payments NOT equal-reconciliaiton needed Max/Min 0.00 / (0.00)

Pre-existing variance: Prior period unreconciled variance exists Max/Min 0.00 / (0.00)

214

AJF-ATL.JOINT INS.FUND

Check Register ReportBank Account : ALL

Processed Date: Dec 1, 2018 - Dec 31, 2018Instance Type: AllCoverage : All ,Claimant Type: All

Check Number

Check Date Claimant (Case) Type Payee Name QL File / Claim Number Loss Date Payment Amount Policy Year Exp./Legal

20200 12/4/2018 INDEMNITY RALPH G. CATALDO, DO, PA Z19405/001231297 6/3/2015 $600.00 2015/2015 Loss 20201 12/4/2018 COOPER LEVENSON, PA $7,167.00

INDEMNITY - - /2018145173 5/11/2018 $1,325.50 2018/2018 Legal

INDEMNITY - - /2018121894 1/5/2018 $1,176.50 2018/2018 Legal

INDEMNITY - - /2018112016 9/11/2017 $1,299.50 2017/2017 Legal

INDEMNITY - - /2018106821 7/5/2017 $665.00 2017/2017 Legal

INDEMNITY MLT-Z45915/001258245 10/3/2016 $1,142.00 2016/2016 Legal

INDEMNITY Z42468/001254778 7/27/2016 $601.00 2016/2016 Legal


20202 12/4/2018 INDEMNITY JACOBS, SCHWALBE & PETRUZZELLI Z19405/001231297 6/3/2015 $1,835.00 2015/2015 Loss 20203 12/4/2018 INDEMNITY RITA R. KAMMIEL MD AND ASSOCIATES Z25601/001237620 9/7/2015 $150.00 2015/2015 Loss 20204 12/4/2018 PERSONAL INJURY BIRCHMEIER & POWELL, LLC - - /2018118550 10/31/2017 $225.00 2017/2017 Legal 20205 12/4/2018 COMPREHENSIVE LEO PETETTI, LLC. - - /2019149993 8/7/2018 $55.00 2018/2018 Expense20206 12/4/2018 INDEMNITY THE DEWEESE LAW FIRM Z07107/001218772 12/20/2014 $14,985.00 2014/2014 Expense20207 12/4/2018 AFFANATO MARUT LLC $5,005.38

INDEMNITY - - /2018145002 5/31/2018 $277.50 2018/2018 Legal

INDEMNITY - - /2018143668 5/21/2018 $180.00 2018/2018 Legal

INDEMNITY - - /2018130569 4/9/2018 $300.00 2018/2018 Legal

INDEMNITY - - /2018131491 4/1/2018 $348.00 2018/2018 Legal

INDEMNITY - - /2018121832 1/5/2018 $397.75 2018/2018 Legal

INDEMNITY - - /2018118817 11/22/2017 $202.16 2017/2017 Legal

INDEMNITY - - /2018112214 9/9/2017 $135.00 2017/2017 Legal

INDEMNITY - - /2017104028 5/31/2017 $220.50 2017/2017 Legal

INDEMNITY - - /2017103741 5/26/2017 $316.97 2017/2017 Legal

INDEMNITY MLT-Z45915/001258244 10/3/2016 $163.00 2016/2016 Legal




Run Date: 1/7/2019 09:43:58 Run by: Teresa Drummond AJF-ATL.JOINT INS.FUND Reporting System: RiskConsole V1 Page 1 of 31

215




Check Number



INDEMNITY X94197/001205753 6/23/2014 $283.00 2014/2014 Legal




20208 12/4/2018 INDEMNITY JERSEY SHORE REPORTING, LLC Z19405/001231297 6/3/2015 $90.00 2015/2015 Expense20209 12/4/2018 PIETRAS, SARACINO, SMITH, & MEEK $3,300.20

INDEMNITY - - /2018115397 10/12/2017 $804.70 2017/2017 Legal

INDEMNITY - - /2018114153 9/29/2017 $617.50 2017/2017 Legal



INDEMNITY Z19405/001231297 6/3/2015 $1,018.50 2015/2015 Legal


20210 12/4/2018 INDEMNITY EGG HARBOR TOWNSHIP - - /2019156121 10/19/2018 $1,806.00 2018/2018 Loss 20211 12/4/2018 INDEMNITY EGG HARBOR TOWNSHIP - - /2019156121 10/19/2018 $1,806.00 2018/2018 Loss 20212 12/4/2018 INDEMNITY NEW JERSEY IME ASSOCIATES LLC - - /2017104028 5/31/2017 $700.00 2017/2017 Expense20213 12/4/2018 INDEMNITY JOHN WISGO - - /2019146873 6/29/2018 $1,257.66 2018/2018 Loss 20214 12/4/2018 INDEMNITY JAMES SIMPSON Z19405/001231297 6/3/2015 $8,143.00 2015/2015 Loss 20215 12/4/2018 INDEMNITY JOSEPH DESTEFANO Z47077/001260137 9/30/2016 $1,138.12 2016/2016 Loss 20216 12/4/2018 INDEMNITY BRYAN CASEY Z31124/001243229 12/8/2015 $1,006.12 2015/2015 Loss 20217 12/4/2018 INDEMNITY CHRISTOPHE ZAMMIT Z31423/001243531 12/9/2015 $1,596.00 2015/2015 Loss 20218 12/4/2018 INDEMNITY ROBERT MAWHINNEY Z31123/001243228 12/8/2015 $1,036.00 2015/2015 Loss 20219 12/4/2018 INDEMNITY WALTER BELLES Z40620/001252912 6/20/2016 $3,081.56 2016/2016 Loss 20220 12/4/2018 INDEMNITY EDWARD BROWN MLT-Z02843/001214421 10/24/2014 $192.36 2014/2014 Loss 20221 12/4/2018 INDEMNITY RICHARD HEILER - - /2017089337 12/7/2016 $1,856.00 2016/2016 Loss 20222 12/4/2018 INDEMNITY MATTHEW TAYLOR X85339/001196602 2/24/2014 $946.76 2014/2014 Loss 20223 12/4/2018 INDEMNITY ANTHONY SILVER X98251/001209804 8/18/2014 $1,572.00 2014/2014 Loss 20224 12/4/2018 INDEMNITY EGG HARBOR TOWNSHIP - - /2019156121 10/19/2018 $1,806.00 2018/2018 Loss 20225 12/4/2018 COMPREHENSIVE SOMERS POINT CITY - - /2019149993 8/7/2018 $1,119.04 2018/2018 Loss 20226 12/4/2018 INDEMNITY COASTAL SPINE, PC. - - /2019154199 10/1/2018 $126.12 2018/2018 Loss 20227 12/4/2018 INDEMNITY ATLANTICARE PHYSICIAN GROUP, PA - - /2019153458 9/22/2018 $98.23 2018/2018 Loss


216




Check Number


20228 12/4/2018 MEDICAL ONLY ATLANTICARE URGENT CARE & - - /2019156035 10/17/2018 $198.76 2018/2018 Loss 20229 12/4/2018 MEDICAL ONLY NEW JERSEY HEALTHCARE SPECIALISTS PC - - /2019155371 10/12/2018 $1,113.00 2018/2018 Loss 20230 12/4/2018 INDEMNITY LOURDES ANESTHESIA ASSOC PA - - /2019146873 6/29/2018 $782.40 2018/2018 Loss 20231 12/4/2018 INDEMNITY ATLANTIC MEDICAL IMAGING - - /2019149430 7/28/2018 $836.54 2018/2018 Loss

20232 12/4/2018 TWIN BORO PHYSICAL THERAPY ASSOCIATES, P.A. $560.00

INDEMNITY - - /2019154199 10/1/2018 $80.00 2018/2018 Loss

INDEMNITY - - /2019150391 6/21/2018 $240.00 2018/2018 Loss

INDEMNITY - - /2018129612 3/22/2018 $80.00 2018/2018 Loss

INDEMNITY - - /2018129248 3/21/2018 $160.00 2018/2018 Loss

20233 12/4/2018 SHORE ORTHOPAEDIC UNIVERSITY ASSOCIATES $721.56

MEDICAL ONLY - - /2019156931 10/29/2018 $212.52 2018/2018 Loss


INDEMNITY - - /2019155835 10/15/2018 $212.52 2018/2018 Loss


20234 12/4/2018 PACE ORTHOPEDICS ANDSPORTS MED.,PC $267.19

INDEMNITY - - /2019155580 10/13/2018 $40.70 2018/2018 Loss


INDEMNITY - - /2018126503 2/20/2018 $134.56 2018/2018 Loss

20235 12/4/2018 INDEMNITY NATURES RX. - - /2018143668 5/21/2018 $374.50 2018/2018 Loss 20236 12/4/2018 MEDICAL ONLY CAPE REGIONAL URGENTCARE - - /2019157305 10/30/2018 $119.36 2018/2018 Loss

20237 12/4/2018 INDEMNITY PREMIER ORTHOPAEDIC ASSOCIATES OF SOUTHERN NJ Z49262/001263806 10/31/2016 $88.09 2016/2016 Loss

20238 12/4/2018 MEDICAL ONLY INSPIRA HEALTH NETWORK URGENT CARE PC - - /2019157721 11/6/2018 $184.65 2018/2018 Loss 20239 12/4/2018 INDEMNITY CAPE PHYSICAL THERAPY LLC - - /2018130564 4/9/2018 $240.00 2018/2018 Loss 20240 12/4/2018 INDEMNITY BAYFRONT EMERGENCY PHYSICIANS, PA - - /2019155580 10/13/2018 $559.00 2018/2018 Loss 20241 12/4/2018 INDEMNITY SHORE SPECIALTY CONSULTANTS, PA - - /2018129612 3/22/2018 $132.60 2018/2018 Loss 20242 12/4/2018 MEDICAL ONLY ATLANTICARE REGIONAL MEDICAL CENTER - - /2019147407 7/9/2018 $2,511.00 2018/2018 Loss 20243 12/4/2018 QUALCARE, INC. $2,970.00




217




Check Number





INDEMNITY - - /2019159068 11/9/2018 $495.00 2018/2018 Loss

20244 12/7/2018 INDEMNITY GOLDENBERG, MACKLER & SAYEGH, PA MLT-2018114007/2018114007 9/29/2017 $3,493.00 2017/2017 Loss

20245 12/7/2018 MADDEN & MADDEN, P.A. $2,090.50

PERSONAL INJURY - - /2017097096 12/14/2016 $345.00 2016/2016 Legal

BODILY INJURY [Expired] Z44404/001256723 7/22/2016 $510.00 2016/2016 Legal

POLICE PROF PI - - /2018108999 3/29/2016 $525.00 2016/2016 Legal

PERSONAL INJURY Z27270/001239314 10/1/2015 $105.00 2015/2015 Legal


20246 12/7/2018 INDEMNITY BEST MED CONSULTANTS, PA - - /2018111986 9/8/2017 $900.00 2017/2017 Expense20247 12/7/2018 POLICE PROF PI BARKER, GELFAND & JAMES - - /2018138583 2/14/2017 $2,002.50 2017/2017 Legal 20248 12/7/2018 INDEMNITY D'ARCY JOHNSON DAY, P.C. - - /2018108391 7/23/2017 $6,348.00 2017/2017 Loss 20249 12/7/2018 BIRCHMEIER & POWELL, LLC $7,914.06

BODILY INJURY [Expired] - - /2018108459 6/3/2017 $1,275.00 2017/2017 Legal

BODILY INJURY [Expired] MLT-Z49138/001263679 8/25/2016 $480.00 2016/2016 Legal

BODILY INJURY [Expired] Z43992/001256317 7/2/2016 $4,354.06 2016/2016 Legal

BODILY INJURY [Expired] Z23230/001235228 5/22/2015 $1,805.00 2015/2015 Legal

20250 12/7/2018 INDEMNITY Howard Hammer PSY D. PA MLT-Z45918/001258246 10/3/2016 $150.00 2016/2016 Loss 20251 12/7/2018 3RD PARTY PD CLIFF GRAY APPRAISAL SERVICE - - /2019158075 11/7/2018 $95.00 2018/2018 Expense20252 12/7/2018 AFFANATO MARUT LLC $4,819.50

INDEMNITY - - /2019153101 9/14/2018 $301.50 2018/2018 Legal

INDEMNITY - - /2019148965 7/28/2018 $112.50 2018/2018 Legal

INDEMNITY - - /2018138966 5/2/2018 $562.50 2018/2018 Legal

INDEMNITY - - /2018131877 4/19/2018 $1,380.50 2018/2018 Legal

INDEMNITY - - /2018123568 11/22/2017 $262.00 2017/2017 Legal

INDEMNITY - - /2018113730 9/27/2017 $105.00 2017/2017 Legal


218




Check Number


INDEMNITY - - /2018113300 9/25/2017 $316.50 2017/2017 Legal

INDEMNITY - - /2017105918 6/21/2017 $432.00 2017/2017 Legal

INDEMNITY - - /2017092149 1/12/2017 $239.00 2017/2017 Legal





20253 12/7/2018 INDEMNITY PANAH DAVID MD PC - - /2018121832 1/5/2018 $300.00 2018/2018 Loss 20254 12/7/2018 INDEMNITY JERSEY SHORE REPORTING, LLC - - /2018118071 11/15/2017 $90.00 2017/2017 Expense20255 12/7/2018 PIETRAS, SARACINO, SMITH, & MEEK $10,767.10

INDEMNITY - - /2019150570 8/17/2018 $758.20 2018/2018 Legal

INDEMNITY - - /2018143706 5/24/2018 $815.20 2018/2018 Legal

INDEMNITY - - /2018129248 3/21/2018 $214.50 2018/2018 Legal

INDEMNITY - - /2018121851 1/4/2018 $258.00 2018/2018 Legal

INDEMNITY - - /2018121530 1/1/2018 $150.00 2018/2018 Legal

INDEMNITY - - /2018120744 12/15/2017 $658.50 2017/2017 Legal

INDEMNITY MLT-2018120130/2018120205

12/11/2017 $822.70 2017/2017 Legal

INDEMNITY MLT-2018114007/2018114007

9/29/2017 $924.00 2017/2017 Legal

INDEMNITY - - /2018108391 7/23/2017 $643.50 2017/2017 Legal

INDEMNITY - - /2018107305 7/11/2017 $123.00 2017/2017 Legal

INDEMNITY MLT-2017102742/2017102742

5/16/2017 $297.00 2017/2017 Legal

INDEMNITY - - /2017095734 2/27/2017 $321.00 2017/2017 Legal


INDEMNITY - - /2018126788 9/1/2016 $172.50 2016/2016 Legal



219




Check Number





INDEMNITY X99651/001211217 9/6/2014 $1,090.50 2014/2014 Legal

INDEMNITY Z11381/001223094 7/30/2014 $1,188.00 2014/2014 Legal

20256 12/7/2018 INDEMNITY WILDWOOD CREST BOROUGH - - /2018121832 1/5/2018 $1,806.00 2018/2018 Loss 20257 12/7/2018 INDEMNITY OCEAN CITY - - /2017094501 2/8/2017 $1,336.44 2017/2017 Loss 20258 12/7/2018 INDEMNITY HAMILTON TOWNSHIP - - /2018129248 3/21/2018 $1,806.00 2018/2018 Loss 20259 12/7/2018 INDEMNITY PLEASANTVILLE CITY MLT-Z30544/001242631 11/23/2015 $977.14 2015/2015 Loss 20260 12/7/2018 INDEMNITY LOWER TOWNSHIP - - /2019158264 11/13/2018 $211.24 2018/2018 Loss 20261 12/7/2018 INDEMNITY LOWER TOWNSHIP - - /2019158264 11/13/2018 $1,478.70 2018/2018 Loss 20262 12/7/2018 INDEMNITY OCEAN CITY - - /2019154348 9/28/2018 $1,675.54 2018/2018 Loss 20263 12/7/2018 INDEMNITY JOSEPH MONROE - - /2017092149 1/12/2017 $1,792.00 2017/2017 Loss 20264 12/7/2018 INDEMNITY JOSEPH MONROE - - /2017092149 1/12/2017 $1,792.00 2017/2017 Loss 20265 12/7/2018 INDEMNITY EGG HARBOR TOWNSHIP - - /2018143668 5/21/2018 $1,806.00 2018/2018 Loss 20266 12/7/2018 INDEMNITY THE URGENT CARE GROUP, PA - - /2018108391 7/23/2017 $300.00 2017/2017 Loss 20267 12/7/2018 INDEMNITY THE URGENT CARE GROUP, PA - - /2018108391 7/23/2017 $300.00 2017/2017 Loss 20268 12/7/2018 INDEMNITY LOUIS BORKOWSKI Z37191/001249401 4/5/2016 $614.72 2016/2016 Loss 20269 12/7/2018 INDEMNITY I. HOWARD LEVIN, M.D. Z35830/001247988 3/10/2016 $1,500.00 2016/2016 Expense20270 12/7/2018 INDEMNITY NEW JERSEY IME ASSOCIATES LLC - - /2018107305 7/11/2017 $700.00 2017/2017 Expense20271 12/7/2018 INDEMNITY LINDA DESOUZA - - /2018108063 7/19/2017 $924.00 2017/2017 Loss 20272 12/7/2018 INDEMNITY CURTIS WARE Z49101/001263643 10/27/2016 $1,059.20 2016/2016 Loss 20273 12/7/2018 INDEMNITY ANTHONY VENUTO - - /2018108391 7/23/2017 $27,556.00 2017/2017 Loss

20274 12/7/2018 INDEMNITY PAUL SCAPELLATO MLT-2018114007/2018114007 9/29/2017 $2,352.00 2017/2017 Loss

20275 12/7/2018 3RD PARTY PD Robert Johnson - - /2019155155 10/7/2018 $500.00 2018/2018 Loss 20276 12/7/2018 INDEMNITY Patrick Finnerty - - /2019152485 9/12/2018 $1,339.68 2018/2018 Loss 20277 12/7/2018 INDEMNITY CHRISTOPHER LEARY - - /2018111625 9/1/2017 $956.00 2017/2017 Loss 20278 12/7/2018 INDEMNITY JULIO PUMAREJO Z14548/001226308 3/30/2015 $1,824.00 2015/2015 Loss 20279 12/7/2018 INDEMNITY HOMMY QUINONES - - /2018107921 7/19/2017 $956.00 2017/2017 Loss 20280 12/7/2018 INDEMNITY JOHN BRUNELL Z14796/001226561 4/1/2015 $1,903.08 2015/2015 Loss 20281 12/7/2018 INDEMNITY EGG HARBOR TOWNSHIP - - /2019149430 7/28/2018 $1,187.91 2018/2018 Loss 20282 12/7/2018 1ST PARTY COLL PD HAMILTON TOWNSHIP - - /2019160031 11/14/2018 $979.54 2018/2018 Loss 20283 12/7/2018 INDEMNITY ATLANTICARE PHYSICIAN GROUP, PA - - /2019150758 8/17/2018 $665.91 2018/2018 Loss


220




Check Number


20284 12/7/2018 MEDICAL ONLY ATLANTICARE URGENT CARE & - - /2019156035 10/17/2018 $263.00 2018/2018 Loss 20285 12/7/2018 INDEMNITY IVY REHAB NETWORK, INC - - /2018119797 12/7/2017 $170.00 2017/2017 Loss 20286 12/7/2018 INDEMNITY STRIVE PHYSICAL THERAPY AND - - /2018146519 6/25/2018 $160.00 2018/2018 Loss 20287 12/7/2018 INDEMNITY ATLANTICARE REGIONAL, MEDICAL CENTER - - /2018143522 5/22/2018 $648.00 2018/2018 Loss

20288 12/7/2018 BACHARACH INSTITUTE FOR REHABILITATION, INC $792.00

INDEMNITY - - /2019153195 9/20/2018 $297.00 2018/2018 Loss

INDEMNITY - - /2018119057 11/28/2017 $396.00 2017/2017 Loss

INDEMNITY - - /2017104787 6/8/2017 $99.00 2017/2017 Loss

20289 12/7/2018 MEDICAL ONLY CAPE REGIONAL MEDICAL CENTER - - /2019155371 10/12/2018 $1,627.00 2018/2018 Loss

20290 12/7/2018 TWIN BORO PHYSICAL THERAPY ASSOCIATES, P.A. $4,340.00

INDEMNITY - - /2019154348 9/28/2018 $160.00 2018/2018 Loss

INDEMNITY - - /2019153458 9/22/2018 $160.00 2018/2018 Loss

INDEMNITY MLT-2019153495/2019153495

9/21/2018 $160.00 2018/2018 Loss

INDEMNITY - - /2019153315 9/20/2018 $160.00 2018/2018 Loss

INDEMNITY - - /2019152485 9/12/2018 $160.00 2018/2018 Loss

INDEMNITY - - /2019149430 7/28/2018 $240.00 2018/2018 Loss

INDEMNITY - - /2019150391 6/21/2018 $80.00 2018/2018 Loss

INDEMNITY - - /2018143706 5/24/2018 $240.00 2018/2018 Loss

INDEMNITY - - /2018145173 5/11/2018 $160.00 2018/2018 Loss

INDEMNITY MLT-2018131125/2018131162

4/13/2018 $720.00 2018/2018 Loss

INDEMNITY - - /2018129248 3/21/2018 $80.00 2018/2018 Loss

INDEMNITY - - /2017095228 2/18/2017 $80.00 2017/2017 Loss

INDEMNITY - - /2017092149 1/12/2017 $1,620.00 2017/2017 Loss

INDEMNITY MLT-Z30544/001242631 11/23/2015 $320.00 2015/2015 Loss

20291 12/7/2018 MEDICAL ONLY SHORE ORTHOPAEDIC UNIVERSITY ASSOCIATES - - /2019155371 10/12/2018 $212.52 2018/2018 Loss 20292 12/7/2018 INDEMNITY FERNANDO J. DELASOTTA MD - - /2019149430 7/28/2018 $115.00 2018/2018 Loss


221




Check Number


20293 12/7/2018 INDEMNITY CAPE EMERGENCY PHYSICIANS, PA - - /2019157782 11/6/2018 $321.00 2018/2018 Loss 20294 12/7/2018 INDEMNITY CAPE REGIONAL PHYSICIANS ASSOCIATES - - /2019155404 10/12/2018 $25.00 2018/2018 Loss 20295 12/7/2018 INDEMNITY ONE CALL CARE DIAGNOSTICS - - /2019157782 11/6/2018 $485.00 2018/2018 Loss 20296 12/7/2018 OCEAN CITY FAMILY PRACTICE $259.60



20297 12/7/2018 PACE ORTHOPEDICS ANDSPORTS MED.,PC $607.96

INDEMNITY - - /2019157782 11/6/2018 $194.45 2018/2018 Loss


INDEMNITY - - /2019156818 10/26/2018 $41.22 2018/2018 Loss

INDEMNITY - - /2019148821 7/26/2018 $235.80 2018/2018 Loss

20298 12/7/2018 INDEMNITY COASTAL PHYSICIANS &, SURGEONS, P.C. - - /2019150734 8/19/2018 $89.82 2018/2018 Loss 20299 12/7/2018 ROTHMAN INSTITUTE $182.75

INDEMNITY - - /2019152485 9/12/2018 $84.00 2018/2018 Loss

INDEMNITY - - /2019148274 7/19/2018 $98.75 2018/2018 Loss

20300 12/7/2018 SHORE AMBULATORY SURGICAL CTR, LLC $17,008.55

INDEMNITY - - /2019150570 8/17/2018 $12,727.00 2018/2018 Loss

INDEMNITY - - /2018145833 6/18/2018 $4,281.55 2018/2018 Loss

20301 12/7/2018 INDEMNITY NovaCare Rehabilitation - - /2019153341 9/19/2018 $90.00 2018/2018 Loss 20302 12/7/2018 INDEMNITY AMERICAN WORKCARE, PC - - /2019146873 6/29/2018 $252.54 2018/2018 Loss 20303 12/7/2018 INDEMNITY CAPE REGIONAL URGENTCARE - - /2019153341 9/19/2018 $119.36 2018/2018 Loss 20304 12/7/2018 MEDICAL ONLY SHORE URGENT CARE - - /2019158053 11/9/2018 $140.00 2018/2018 Loss

20305 12/7/2018 PREMIER ORTHOPAEDIC ASSOCIATES OF SOUTHERN NJ $264.27

INDEMNITY - - /2018146519 6/25/2018 $88.09 2018/2018 Loss

INDEMNITY - - /2018119057 11/28/2017 $88.09 2017/2017 Loss

INDEMNITY - - /2017092149 1/12/2017 $88.09 2017/2017 Loss

20306 12/7/2018 MEDICAL ONLY INSPIRA HEALTH NETWORK URGENT CARE PC - - /2019158248 11/12/2018 $184.65 2018/2018 Loss 20307 12/7/2018 CAPE PHYSICAL THERAPY LLC $378.00

INDEMNITY - - /2019151997 9/7/2018 $120.00 2018/2018 Loss


222




Check Number


INDEMNITY - - /2018130564 4/9/2018 $48.00 2018/2018 Loss

INDEMNITY Z32171/001244287 12/30/2015 $210.00 2015/2015 Loss

20308 12/7/2018 INDEMNITY ADVANCED PATHOLOGYLABORATORIES - - /2018143522 5/22/2018 $160.00 2018/2018 Loss 20309 12/7/2018 AVIA PARTNERS INC $230.59

INDEMNITY - - /2019155580 10/13/2018 $13.38 2018/2018 Loss


INDEMNITY - - /2018113608 7/3/2017 $33.83 2017/2017 Loss


INDEMNITY Z25601/001237620 9/7/2015 $114.32 2015/2015 Loss

20310 12/7/2018 MEDICAL ONLY QUALCARE, INC. - - /2019159412 11/28/2018 $495.00 2018/2018 Loss

20311 12/11/2018 INDEMNITY RK PSYCHOLOGY & NEUROPSYCHOLOG MLT-2017106164/2017106165 6/22/2017 $500.00 2017/2017 Loss

20312 12/11/2018 MADDEN & MADDEN, P.A. $1,027.45



20313 12/11/2018 CAPE REGIONAL MEDICAL CENTER $1,590.00



20314 12/11/2018 MEDICAL ONLY AtlanticCare Regional Medical Center - - /2018146079 6/20/2018 $2,230.80 2018/2018 Loss 20315 12/11/2018 MEDICAL ONLY NAGLE & ASSOCIATES, LLC - - /2019151236 8/9/2018 $1,105.00 2018/2018 Expense20316 12/11/2018 AFFANATO MARUT LLC $1,686.50

INDEMNITY - - /2019148007 7/17/2018 $177.00 2018/2018 Legal

INDEMNITY - - /2018131188 4/15/2018 $793.50 2018/2018 Legal

INDEMNITY - - /2018125674 2/12/2018 $144.50 2018/2018 Legal

INDEMNITY - - /2017101045 4/26/2017 $363.50 2017/2017 Legal

INDEMNITY - - /2017094501 2/8/2017 $208.00 2017/2017 Legal

20317 12/11/2018 ARBITRATION FORUMS INC. $80.00

1ST PARTY COLL PD - - /2019149536 8/4/2018 $40.00 2018/2018 Expense



223




Check Number


20318 12/11/2018 INDEMNITY STONERIVER PHARMACY SOLUTIONS Z37973/001250229 4/22/2016 $122.27 2016/2016 Loss 20319 12/11/2018 INDEMNITY JERSEY SHORE REPORTING, LLC MLT-Z32861/001244988 1/18/2016 $30.00 2016/2016 Expense20320 12/11/2018 PIETRAS, SARACINO, SMITH, & MEEK $3,833.20

MEDICAL ONLY - - /2019151236 8/9/2018 $480.20 2018/2018 Legal

INDEMNITY - - /2017093643 1/30/2017 $502.50 2017/2017 Legal

INDEMNITY - - /2017090913 12/28/2016 $297.00 2016/2016 Legal

INDEMNITY - - /2017090529 11/1/2016 $137.50 2016/2016 Legal








20321 12/11/2018 INDEMNITY EGG HARBOR TOWNSHIP - - /2017104787 6/8/2017 $1,792.00 2017/2017 Loss 20322 12/11/2018 INDEMNITY ERNEST DUNSON - - /2018112985 9/19/2017 $1,056.28 2017/2017 Loss 20323 12/11/2018 INDEMNITY RICHARD DELEON Z02923/001214503 10/25/2014 $2,472.00 2014/2014 Loss 20324 12/11/2018 INDEMNITY EVERETT DOBOS X88710/001200026 4/3/2014 $2,140.16 2014/2014 Loss 20325 12/11/2018 INDEMNITY LEA MARIE SACCO Z05059/001216663 11/27/2014 $1,024.80 2014/2014 Loss 20326 12/11/2018 INDEMNITY DENNIS FELSING Z18589/001230478 5/25/2015 $1,596.00 2015/2015 Loss 20327 12/11/2018 ATLANTICARE PHYSICIAN GROUP, PA $766.82




INDEMNITY - - /2019150570 8/17/2018 $94.19 2018/2018 Loss

20328 12/11/2018 ATLANTICARE URGENT CARE & $417.70





224




Check Number


20329 12/11/2018 INDEMNITY STRIVE PHYSICAL THERAPY AND - - /2018146519 6/25/2018 $240.00 2018/2018 Loss 20330 12/11/2018 INDEMNITY MDS MEDICAL DEVICE SPECIALTY INC - - /2018143522 5/22/2018 $704.92 2018/2018 Loss

20331 12/11/2018 BACHARACH INSTITUTE FOR REHABILITATION, INC $2,376.00

INDEMNITY - - /2018131188 4/15/2018 $1,782.00 2018/2018 Loss

INDEMNITY - - /2017104787 6/8/2017 $594.00 2017/2017 Loss

20332 12/11/2018 INDEMNITY CAPE REGIONAL MEDICAL CENTER - - /2019155404 10/12/2018 $322.40 2018/2018 Loss 20333 12/11/2018 INDEMNITY LOURDES ANESTHESIA ASSOC PA - - /2017094501 2/8/2017 $846.30 2017/2017 Loss


INDEMNITY - - /2019154348 9/28/2018 $160.00 2018/2018 Loss

INDEMNITY MLT-2019153495/2019153493

9/21/2018 $400.00 2018/2018 Loss

INDEMNITY MLT-2019153495/2019153495

9/21/2018 $320.00 2018/2018 Loss

INDEMNITY - - /2019153315 9/20/2018 $160.00 2018/2018 Loss

INDEMNITY - - /2019152485 9/12/2018 $160.00 2018/2018 Loss

INDEMNITY - - /2019148007 7/17/2018 $80.00 2018/2018 Loss


INDEMNITY - - /2018143706 5/24/2018 $160.00 2018/2018 Loss

INDEMNITY MLT-2018131125/2018131162

4/13/2018 $160.00 2018/2018 Loss

INDEMNITY - - /2018121894 1/5/2018 $80.00 2018/2018 Loss

INDEMNITY - - /2017095228 2/18/2017 $160.00 2017/2017 Loss

INDEMNITY - - /2017092149 1/12/2017 $80.00 2017/2017 Loss






225




Check Number


INDEMNITY - - /2019154348 9/28/2018 $156.38 2018/2018 Loss

INDEMNITY - - /2019148301 7/19/2018 $84.00 2018/2018 Loss

20336 12/11/2018 INDEMNITY FERNANDO J. DELASOTTA MD - - /2018129248 3/21/2018 $115.00 2018/2018 Loss 20337 12/11/2018 MEDICAL ONLY CAPE EMERGENCY PHYSICIANS, PA - - /2019149533 7/17/2018 $843.00 2018/2018 Loss 20338 12/11/2018 ONE CALL CARE DIAGNOSTICS $1,640.27


INDEMNITY - - /2017095228 2/18/2017 $595.27 2017/2017 Loss

INDEMNITY Z37287/001249501 4/11/2016 $75.00 2016/2016 Loss

INDEMNITY X99651/001211217 9/6/2014 $485.00 2014/2014 Loss

20339 12/11/2018 INDEMNITY PACE ORTHOPEDICS ANDSPORTS MED.,PC MLT-2019153495/2019153493 9/21/2018 $91.93 2018/2018 Loss

20340 12/11/2018 PROFESSIONAL PAIN MANAGEMENT ASSOC. $2,374.09

INDEMNITY - - /2018145833 6/18/2018 $117.86 2018/2018 Loss

INDEMNITY - - /2018143668 5/21/2018 $90.68 2018/2018 Loss

INDEMNITY - - /2018143281 5/18/2018 $2,074.87 2018/2018 Loss

INDEMNITY X86679/001197966 3/7/2014 $90.68 2014/2014 Loss

20341 12/11/2018 INDEMNITY CENTENNIAL SURGUNIT, LLC - - /2019146873 6/29/2018 $1,592.00 2018/2018 Loss 20342 12/11/2018 INDEMNITY COASTAL PHYSICIANS &, SURGEONS, P.C. Z37287/001249501 4/11/2016 $89.82 2016/2016 Loss 20343 12/11/2018 INDEMNITY FELLOWSHIP SURGICALCENTER, LLC - - /2018129248 3/21/2018 $1,344.00 2018/2018 Loss 20344 12/11/2018 MEDICAL ONLY INSPIRA HEALTH NETWORK URGENT CARE PC - - /2019158248 11/12/2018 $123.23 2018/2018 Loss 20345 12/11/2018 INDEMNITY CAPE PHYSICAL THERAPY LLC - - /2018130564 4/9/2018 $60.00 2018/2018 Loss 20346 12/11/2018 ADVANCED RADIOLOGY SOLUTIONS $29.39

INDEMNITY - - /2018143706 5/24/2018 $15.83 2018/2018 Loss

INDEMNITY Z37287/001249501 4/11/2016 $13.56 2016/2016 Loss

20347 12/11/2018 INDEMNITY COMP X MEDICAL MANAGEMENT - - /2018131188 4/15/2018 $169.00 2018/2018 Loss 20348 12/11/2018 AVIA PARTNERS INC $209.74

INDEMNITY - - /2019150570 8/17/2018 $136.47 2018/2018 Loss

INDEMNITY - - /2019148301 7/19/2018 $57.41 2018/2018 Loss

INDEMNITY - - /2019146873 6/29/2018 $15.86 2018/2018 Loss

20349 12/11/2018 QUALCARE, INC. $4,936.00


226




Check Number





INDEMNITY MLT-2019159680/2019159965

12/1/2018 $495.00 2018/2018 Loss


MEDICAL ONLY MLT-2019159680/2019159959

11/29/2018 $495.00 2018/2018 Loss


MEDICAL ONLY MLT-2019159680/2019159680

11/29/2018 $495.00 2018/2018 Loss




20351 12/14/2018 COOPER LEVENSON, PA $5,754.00

INDEMNITY - - /2019148821 7/26/2018 $1,176.50 2018/2018 Legal

INDEMNITY - - /2018107226 7/7/2017 $677.00 2017/2017 Legal

INDEMNITY - - /2017095228 2/18/2017 $447.50 2017/2017 Legal

INDEMNITY - - /2017090588 12/21/2016 $521.00 2016/2016 Legal


INDEMNITY MLT-Z32861/001244988 1/18/2016 $1,154.00 2016/2016 Legal


20352 12/14/2018 POLICE PROF BI MADDEN & MADDEN, P.A. - - /2017093087 10/24/2016 $977.45 2016/2016 Legal 20353 12/14/2018 INDEMNITY MRO CORPORATION - - /2019153195 9/20/2018 $22.48 2018/2018 Expense20354 12/14/2018 BODILY INJURY [Expired] FEASTERVILLE FAMILY, PRACTICE, LLP Z42785/001255099 7/26/2016 $203.84 2016/2016 Expense

20355 12/14/2018 INDEMNITY MATTHEW J PITERA MD PA MLT-2017106164/2017106165 6/22/2017 $930.00 2017/2017 Loss

20356 12/14/2018 MEDICAL ONLY I.C.U. INVESTIGATIONS, INC. - - /2017103744 5/25/2017 $150.00 2017/2017 Expense20357 12/14/2018 PERSONAL INJURY BARKER, GELFAND & JAMES - - /2017098119 2/3/2017 $720.00 2017/2017 Legal


227




Check Number


20358 12/14/2018 BODILY INJURY [Expired] BIRCHMEIER & POWELL, LLC Z44816/001257138 7/5/2016 $1,260.00 2016/2016 Legal 20359 12/14/2018 BODILY INJURY [Expired] PENNSYLVANIA ORTHOPEDIC ASSOC Z42785/001255099 7/26/2016 $40.60 2016/2016 Expense20360 12/14/2018 POLICE PROF BI PRECISION REPORTING INC Z37350/001249564 1/18/2016 $244.90 2016/2016 Expense20361 12/14/2018 1ST PARTY COLL PD LEO PETETTI, LLC. - - /2019158079 11/8/2018 $465.00 2018/2018 Expense20362 12/14/2018 PUB OFF PI DAVID S. DEWEESE - - /2019159442 11/28/2018 $750.00 2018/2018 Legal 20363 12/14/2018 INLAND MARINE TAYLOR DARIN CLAIM SERVICE - - /2019155949 10/12/2018 $930.00 2018/2018 Expense20364 12/14/2018 INDEMNITY MCNELIS INVESTIGATIVE SERVICES Z21365/001233333 7/6/2015 $300.00 2015/2015 Expense20365 12/14/2018 PIETRAS, SARACINO, SMITH, & MEEK $7,691.00

INDEMNITY - - /2018145783 6/17/2018 $700.50 2018/2018 Legal

INDEMNITY - - /2018122241 1/9/2018 $297.00 2018/2018 Legal

INDEMNITY - - /2018119429 12/2/2017 $334.50 2017/2017 Legal

INDEMNITY - - /2018119057 11/28/2017 $172.50 2017/2017 Legal

INDEMNITY - - /2018118071 11/15/2017 $711.00 2017/2017 Legal

INDEMNITY MLT-2018112577/2018112578

9/14/2017 $477.00 2017/2017 Legal

INDEMNITY MLT-2017106164/2017106165

6/22/2017 $636.00 2017/2017 Legal

INDEMNITY - - /2017097124 3/11/2017 $330.00 2017/2017 Legal

INDEMNITY - - /2017093198 1/18/2017 $627.00 2017/2017 Legal









20366 12/14/2018 INDEMNITY NEW JERSEY IME ASSOCIATES LLC Z26298/001238327 9/18/2015 $700.00 2015/2015 Expense20367 12/14/2018 INDEMNITY ABSECON CITY - - /2018131188 4/15/2018 $1,806.00 2018/2018 Loss 20368 12/14/2018 INDEMNITY PLEASANTVILLE CITY MLT-2018131125/ 4/13/2018 $1,806.00 2018/2018 Loss


228




Check Number


201813116220369 12/14/2018 INDEMNITY Luz Mora - - /2019153195 9/20/2018 $1,230.68 2018/2018 Loss 20370 12/14/2018 INDEMNITY ANTHONY VENUTO - - /2019150570 8/17/2018 $1,806.00 2018/2018 Loss 20371 12/14/2018 INLAND MARINE WATERFORD TOWNSHIP - - /2019158841 11/17/2018 $1,200.00 2018/2018 Loss 20372 12/14/2018 INDEMNITY NORTH WILDWOOD CITY - - /2019157994 11/8/2018 $879.92 2018/2018 Loss 20373 12/14/2018 INDEMNITY EGG HARBOR TOWNSHIP - - /2019148274 7/19/2018 $1,621.18 2018/2018 Loss 20374 12/14/2018 INDEMNITY SEA ISLE CITY - - /2019155404 10/12/2018 $1,748.02 2018/2018 Loss 20375 12/14/2018 INDEMNITY MARGATE CITY - - /2018119057 11/28/2017 $1,180.12 2017/2017 Loss 20376 12/14/2018 INDEMNITY MARGATE CITY - - /2018119057 11/28/2017 $1,180.12 2017/2017 Loss 20377 12/14/2018 BODILY INJURY [Expired] LAW OFFICES OF THOMAS G SMITH PC - - /2017090919 12/2/2016 $2,107.84 2016/2016 Legal 20378 12/14/2018 INDEMNITY BRANDON PIPER - - /2017097124 3/11/2017 $717.00 2017/2017 Loss 20379 12/14/2018 INDEMNITY LEO RUDOLPH Z25894/001237918 9/14/2015 $1,596.00 2015/2015 Loss 20380 12/14/2018 3RD PARTY PD Shawon Shepperson - - /2019159943 8/23/2018 $750.00 2018/2018 Loss 20381 12/14/2018 3RD PARTY PD Christopher Snarr - - /2019158075 11/7/2018 $1,315.22 2018/2018 Loss 20382 12/14/2018 3RD PARTY PD Daniel Ginsberg - - /2019150018 8/1/2018 $500.00 2018/2018 Loss 20383 12/14/2018 INDEMNITY ROBERT GRACI Z40238/001252522 6/13/2016 $928.00 2016/2016 Loss 20384 12/14/2018 INDEMNITY Robert Lane - - /2019153341 9/19/2018 $1,806.00 2018/2018 Loss

20385 12/14/2018 INDEMNITY GARY BRENNER MLT-2017106164/2017106165 6/22/2017 $1,792.00 2017/2017 Loss

20386 12/14/2018 INDEMNITY JOHANNA HOVIK - - /2018113608 7/3/2017 $478.00 2017/2017 Loss 20387 12/14/2018 INDEMNITY JAMES LUDWIG Z33140/001245272 1/24/2016 $1,624.00 2016/2016 Loss 20388 12/14/2018 INDEMNITY HEATH PER Z36860/001249069 3/29/2016 $1,856.00 2016/2016 Loss 20389 12/14/2018 INDEMNITY HEATH PER Z38199/001250461 4/30/2016 $2,088.00 2016/2016 Loss 20390 12/14/2018 INDEMNITY LATOSHA LEGETTE Z21758/001233734 7/10/2015 $969.60 2015/2015 Loss 20391 12/14/2018 INDEMNITY MELVA SCHRANTZ X94614/001206170 6/26/2014 $822.00 2014/2014 Loss 20392 12/14/2018 INDEMNITY AARON FINCKE X93675/001205228 6/14/2014 $1,572.00 2014/2014 Loss 20393 12/14/2018 INDEMNITY DANIEL SCHALLAWITZ Z00080/001211645 9/14/2014 $1,800.00 2014/2014 Loss 20394 12/14/2018 INLAND MARINE BRIGANTINE CITY - - /2019158180 10/29/2018 $1,000.00 2018/2018 Loss 20395 12/14/2018 1ST PARTY COLL PD AVALON BOROUGH - - /2019149399 8/2/2018 $1,000.00 2018/2018 Loss 20396 12/14/2018 ATLANTICARE PHYSICIAN GROUP, PA $526.00



20397 12/14/2018 STRIVE PHYSICAL THERAPY AND $160.00

INDEMNITY - - /2019158002 11/8/2018 $80.00 2018/2018 Loss


229




Check Number



20398 12/14/2018 INDEMNITY VIRTUA WEST JERSEY HEALTH, INC. X94524/001206080 6/26/2014 $454.30 2014/2014 Loss


INDEMNITY - - /2019153458 9/22/2018 $320.00 2018/2018 Loss

INDEMNITY - - /2018145173 5/11/2018 $160.00 2018/2018 Loss

INDEMNITY - - /2018129612 3/22/2018 $400.00 2018/2018 Loss



INDEMNITY - - /2019153458 9/22/2018 $132.00 2018/2018 Loss

INDEMNITY - - /2019151413 8/30/2018 $121.80 2018/2018 Loss

INDEMNITY - - /2018131188 4/15/2018 $362.81 2018/2018 Loss

20401 12/14/2018 INDEMNITY CAPE MAY COURT HOUSE ASSOCIATES IN RADIOLOGY - - /2018143604 5/22/2018 $11.34 2018/2018 Loss

20402 12/14/2018 MEDICAL ONLY CAPE EMERGENCY PHYSICIANS, PA MLT-2019149961/2019149961 8/9/2018 $558.00 2018/2018 Loss

20403 12/14/2018 INDEMNITY ONE CALL CARE DIAGNOSTICS - - /2019156121 10/19/2018 $475.00 2018/2018 Loss 20404 12/14/2018 INDEMNITY OCEAN CITY FAMILY PRACTICE - - /2018144207 5/28/2018 $59.80 2018/2018 Loss 20405 12/14/2018 PROFESSIONAL PAIN MANAGEMENT ASSOC. $4,827.94

INDEMNITY - - /2019147887 7/16/2018 $2,419.36 2018/2018 Loss

INDEMNITY - - /2018143668 5/21/2018 $2,317.90 2018/2018 Loss

INDEMNITY MLT-2018111450/2018111456

8/30/2017 $90.68 2017/2017 Loss

20406 12/14/2018 MEDICAL ONLY SOUTH JERSEY HS EMG PHYS SV, PA - - /2019153365 9/20/2018 $198.15 2018/2018 Loss

20407 12/14/2018 MEDICAL ONLY ATLANTIC RADIOLOGISTS PROFESSIONAL ASSOCIATION, LLC - - /2018144332 5/31/2018 $21.84 2018/2018 Loss

20408 12/14/2018 INDEMNITY FELLOWSHIP SURGICALCENTER, LLC - - /2017094501 2/8/2017 $2,016.00 2017/2017 Loss 20409 12/14/2018 CAPE REGIONAL URGENTCARE $435.27


INDEMNITY - - /2019153195 9/20/2018 $352.73 2018/2018 Loss

20410 12/14/2018 INDEMNITY PREMIER ORTHOPAEDIC ASSOCIATES OF - - /2019156121 10/19/2018 $268.14 2018/2018 Loss


230




Check Number


SOUTHERN NJ20411 12/14/2018 INDEMNITY SUMMIT SURGICAL CENTER, LLC X94524/001206080 6/26/2014 $5,055.05 2014/2014 Loss 20412 12/14/2018 INDEMNITY ALIGN DIRECT BILL LLC - - /2019151413 8/30/2018 $855.00 2018/2018 Loss 20413 12/14/2018 MEDICAL ONLY QUALCARE, INC. - - /2019159796 12/3/2018 $495.00 2018/2018 Loss 20414 12/18/2018 INDEMNITY RONE,HUGHES & KOWALSKI, LLC Z48946/001263473 10/4/2016 $4,773.00 2016/2016 Loss 20415 12/18/2018 POLICE PROF BI NICHOLAS DIPIERO Z37350/001249564 1/18/2016 $290.00 2016/2016 Expense20416 12/18/2018 INDEMNITY Howard Hammer PSY D. PA MLT-Z45918/001258247 10/3/2016 $150.00 2016/2016 Loss 20417 12/18/2018 INDEMNITY EXAMWORKS INC - - /2017145184 10/24/2016 $1,150.00 2016/2016 Expense20418 12/18/2018 DAVID S. DEWEESE $1,500.00

PUB OFF PI - - /2019160953 11/9/2018 $750.00 2018/2018 Legal

PUB OFF PI - - /2019159742 10/29/2018 $750.00 2018/2018 Legal

20419 12/18/2018 JERSEY SHORE REPORTING, LLC $300.00

INDEMNITY MLT-2018119705/2018119705

12/5/2017 $90.00 2017/2017 Expense

INDEMNITY - - /2017145184 10/24/2016 $30.00 2016/2016 Expense

INDEMNITY Z48946/001263473 10/4/2016 $120.00 2016/2016 Expense



20420 12/18/2018 INDEMNITY PIETRAS, SARACINO, SMITH, & MEEK Z48946/001263473 10/4/2016 $838.00 2016/2016 Legal 20421 12/18/2018 INDEMNITY EGG HARBOR TOWNSHIP - - /2019150391 6/21/2018 $1,099.62 2018/2018 Loss 20422 12/18/2018 INDEMNITY SEA ISLE CITY - - /2018143522 5/22/2018 $258.00 2018/2018 Loss 20423 12/18/2018 INDEMNITY SEA ISLE CITY - - /2018143522 5/22/2018 $1,548.00 2018/2018 Loss 20424 12/18/2018 INDEMNITY SEA ISLE CITY - - /2018143522 5/22/2018 $1,161.00 2018/2018 Loss 20425 12/18/2018 COMPREHENSIVE GALLOWAY TOWNSHIP - - /2019153179 9/18/2018 $2,258.67 2018/2018 Loss 20426 12/18/2018 INDEMNITY BRIAN WHEELER Z48946/001263473 10/4/2016 $15,227.00 2016/2016 Loss 20427 12/18/2018 INDEMNITY JOHN WISGO - - /2019146873 6/29/2018 $1,257.66 2018/2018 Loss 20428 12/18/2018 INDEMNITY KYLE GROSSMAN Z27150/001239192 10/1/2015 $1,596.00 2015/2015 Loss 20429 12/18/2018 INDEMNITY DAVID DAISEY Z39069/001251334 5/20/2016 $1,624.00 2016/2016 Loss 20430 12/18/2018 1ST PARTY COLL PD AVALON BOROUGH - - /2019161033 12/13/2018 $1,332.42 2018/2018 Loss 20431 12/18/2018 INDEMNITY ATLANTICARE PHYSICIAN GROUP, PA - - /2019154688 10/3/2018 $199.62 2018/2018 Loss 20432 12/18/2018 INDEMNITY ATLANTICARE URGENT CARE & - - /2019154199 10/1/2018 $102.77 2018/2018 Loss 20433 12/18/2018 MDS MEDICAL DEVICE SPECIALTY INC $1,409.84

INDEMNITY - - /2019150570 8/17/2018 $704.92 2018/2018 Loss


231




Check Number


INDEMNITY - - /2019150391 6/21/2018 $704.92 2018/2018 Loss

20434 12/18/2018 INDEMNITY SHORE MEDICAL CENTER - - /2019155580 10/13/2018 $1,872.00 2018/2018 Loss 20435 12/18/2018 INDEMNITY ATLANTIC MEDICAL IMAGING - - /2019153341 9/19/2018 $3,364.17 2018/2018 Loss


INDEMNITY - - /2019154199 10/1/2018 $80.00 2018/2018 Loss

INDEMNITY - - /2019154348 9/28/2018 $240.00 2018/2018 Loss

INDEMNITY MLT-2019153495/2019153493

9/21/2018 $240.00 2018/2018 Loss

INDEMNITY - - /2019149430 7/28/2018 $240.00 2018/2018 Loss

INDEMNITY - - /2019150391 6/21/2018 $160.00 2018/2018 Loss

INDEMNITY - - /2018143281 5/18/2018 $80.00 2018/2018 Loss

INDEMNITY MLT-2018131125/2018131162

4/13/2018 $80.00 2018/2018 Loss

20437 12/18/2018 SHORE ORTHOPAEDIC UNIVERSITY ASSOCIATES $3,832.98

INDEMNITY - - /2019155835 10/15/2018 $121.80 2018/2018 Loss

INDEMNITY - - /2019153341 9/19/2018 $205.80 2018/2018 Loss

INDEMNITY - - /2019150570 8/17/2018 $3,505.38 2018/2018 Loss

20438 12/18/2018 INDEMNITY FERNANDO J. DELASOTTA MD - - /2018143281 5/18/2018 $115.00 2018/2018 Loss 20439 12/18/2018 INDEMNITY KINEMATIC CONSULTANTS INC - - /2017092149 1/12/2017 $120.00 2017/2017 Loss 20440 12/18/2018 PACE ORTHOPEDICS ANDSPORTS MED.,PC $308.67

INDEMNITY - - /2019156818 10/26/2018 $26.79 2018/2018 Loss

INDEMNITY - - /2019155580 10/13/2018 $46.08 2018/2018 Loss

INDEMNITY - - /2019148821 7/26/2018 $235.80 2018/2018 Loss

20441 12/18/2018 INDEMNITY PROFESSIONAL PAIN MANAGEMENT ASSOC. X86679/001197966 3/7/2014 $1,982.73 2014/2014 Loss 20442 12/18/2018 NovaCare Rehabilitation $900.00

INDEMNITY - - /2019153341 9/19/2018 $270.00 2018/2018 Loss

INDEMNITY - - /2019148821 7/26/2018 $630.00 2018/2018 Loss

20443 12/18/2018 INDEMNITY MEDIKINE GROUP, LLC - - /2019150570 8/17/2018 $1,523.93 2018/2018 Loss 20444 12/18/2018 PREMIER ORTHOPAEDIC ASSOCIATES OF $176.18


232




Check Number


SOUTHERN NJINDEMNITY - - /2018126842 2/24/2018 $88.09 2018/2018 Loss

INDEMNITY - - /2018119797 12/7/2017 $88.09 2017/2017 Loss

20445 12/18/2018 INDEMNITY CAPE PHYSICAL THERAPY LLC Z32171/001244287 12/30/2015 $180.00 2015/2015 Loss 20446 12/18/2018 INDEMNITY TOWNSHIP OF HAMILTON RESCUE - - /2019154199 10/1/2018 $771.00 2018/2018 Loss

20447 12/18/2018 INDEMNITY ATLANTIC PROSTHETIC & ORTHOTICS SERVICES, INC - - /2018114070 10/2/2017 $64.48 2017/2017 Loss

20448 12/18/2018 INDEMNITY ADVANCED RADIOLOGY SOLUTIONS - - /2019155580 10/13/2018 $15.34 2018/2018 Loss 20449 12/18/2018 INDEMNITY HOME CARE CONNECT LLC - - /2019155580 10/13/2018 $16.46 2018/2018 Loss 20450 12/18/2018 QUALCARE, INC. $1,980.00

INDEMNITY - - /2019160386 12/8/2018 $495.00 2018/2018 Loss

INDEMNITY - - /2019160161 12/6/2018 $495.00 2018/2018 Loss




20452 12/21/2018 INDEMNITY J H BUEHRER & ASSOCIATES Z07107/001218772 12/20/2014 $30.00 2014/2014 Expense20453 12/21/2018 COOPER LEVENSON, PA $1,279.00



20454 12/21/2018 QUAL-LYNX $150.00



20455 12/21/2018 I.C.U. INVESTIGATIONS, INC. $825.00

MEDICAL ONLY - - /2018145853 6/15/2018 $150.00 2018/2018 Expense


INDEMNITY X98250/001209803 8/19/2014 $525.00 2014/2014 Expense

20456 12/21/2018 INDEMNITY D'ARCY JOHNSON DAY, P.C. MLT-2018119705/2018119705 12/5/2017 $3,114.00 2017/2017 Loss

20457 12/21/2018 INDEMNITY PETRO-COHEN, ESQS X93459/001205011 6/11/2014 $7,343.00 2014/2014 Loss 20458 12/21/2018 WALDEN M. HOLL, JR.,MD & ASSOC $1,100.00


233




Check Number


INDEMNITY MLT-Z45915/001258243 10/3/2016 $1,000.00 2016/2016 Expense


20459 12/21/2018 1ST PARTY COLL PD LEO PETETTI, LLC. - - /2019160395 11/29/2018 $110.00 2018/2018 Expense20460 12/21/2018 INDEMNITY THE DEWEESE LAW FIRM Z38199/001250461 4/30/2016 $30,000.00 2016/2016 Legal 20461 12/21/2018 AFFANATO MARUT LLC $777.00

INDEMNITY - - /2018129182 3/21/2018 $294.00 2018/2018 Legal

INDEMNITY MLT-2018119705/2018119705

12/5/2017 $280.50 2017/2017 Legal


20462 12/21/2018 INDEMNITY JERSEY SHORE REPORTING, LLC X93459/001205011 6/11/2014 $90.00 2014/2014 Expense20463 12/21/2018 INDEMNITY PIETRAS, SARACINO, SMITH, & MEEK X93459/001205011 6/11/2014 $799.50 2014/2014 Legal 20464 12/21/2018 INDEMNITY BEST MED CONSULTANTS, PA - - /2018118805 11/27/2017 $900.00 2017/2017 Expense20465 12/21/2018 INDEMNITY HAMILTON TOWNSHIP - - /2019160386 12/8/2018 $258.00 2018/2018 Loss 20466 12/21/2018 INDEMNITY LOWER TOWNSHIP - - /2019158264 11/13/2018 $1,478.70 2018/2018 Loss 20467 12/21/2018 INDEMNITY EGG HARBOR TOWNSHIP - - /2018143668 5/21/2018 $1,806.00 2018/2018 Loss 20468 12/21/2018 INDEMNITY GEORGE BARGER X93459/001205011 6/11/2014 $7,748.00 2014/2014 Loss 20469 12/21/2018 INDEMNITY GEORGE BARGER - - /2017107182 6/5/2017 $12,000.00 2017/2017 Loss 20470 12/21/2018 INDEMNITY George Barger - - /2017107182 6/5/2017 $8,180.63 2017/2017 Loss 20471 12/21/2018 INDEMNITY EGG HARBOR TOWNSHIP - - /2017104787 6/8/2017 $1,792.00 2017/2017 Loss 20472 12/21/2018 INDEMNITY SEA ISLE CITY - - /2019150119 8/11/2018 $129.00 2018/2018 Loss 20473 12/21/2018 INDEMNITY SEA ISLE CITY - - /2019150119 8/11/2018 $258.00 2018/2018 Loss

20474 12/21/2018 INDEMNITY Gregory Carson, M.D. MLT-2018119705/2018119705 12/5/2017 $300.00 2017/2017 Loss

20475 12/21/2018 INDEMNITY Gregory Carson, M.D. MLT-2018119705/2018119705 12/5/2017 $300.00 2017/2017 Loss

20476 12/21/2018 INDEMNITY OCEAN CITY - - /2017094501 2/8/2017 $1,336.44 2017/2017 Loss 20477 12/21/2018 INDEMNITY HAMILTON TOWNSHIP - - /2018129248 3/21/2018 $1,806.00 2018/2018 Loss 20478 12/21/2018 NEW JERSEY IME ASSOCIATES LLC $1,400.00



20479 12/21/2018 INDEMNITY ANTHONY SILVER X98251/001209804 8/18/2014 $1,572.00 2014/2014 Loss 20480 12/21/2018 INDEMNITY JOSEPH DIXON MLT-Z41885/001254194 7/16/2016 $1,026.20 2016/2016 Loss 20481 12/21/2018 INDEMNITY MICHELLE BROWN Z04850/001216453 11/24/2014 $1,572.00 2014/2014 Loss 20482 12/21/2018 INDEMNITY SEAN LEARY Z32619/001244737 1/12/2016 $1,059.20 2016/2016 Loss


234




Check Number


20483 12/21/2018 INDEMNITY FRANCISCO INACIO Z27849/001239895 10/13/2015 $1,056.96 2015/2015 Loss 20484 12/21/2018 INDEMNITY Patrick Finnerty - - /2019152485 9/12/2018 $1,339.68 2018/2018 Loss

20485 12/21/2018 INDEMNITY RYAN VANSYCKLE MLT-2018119705/2018119705 12/5/2017 $11,213.00 2017/2017 Loss

20486 12/21/2018 COASTAL SPINE, PC. $683.27

INDEMNITY - - /2018129248 3/21/2018 $600.00 2018/2018 Loss

INDEMNITY - - /2018129182 3/21/2018 $83.27 2018/2018 Loss

20487 12/21/2018 ATLANTICARE URGENT CARE & $863.60




INDEMNITY - - /2019158002 11/8/2018 $153.41 2018/2018 Loss



20488 12/21/2018 INDEMNITY IVY REHAB NETWORK, INC - - /2019150308 8/14/2018 $170.00 2018/2018 Loss 20489 12/21/2018 STRIVE PHYSICAL THERAPY AND $840.00

INDEMNITY - - /2019149430 7/28/2018 $600.00 2018/2018 Loss

INDEMNITY - - /2018146519 6/25/2018 $240.00 2018/2018 Loss

20490 12/21/2018 INSPIRA MEDICAL CENTER VINELAND $2,425.67

MEDICAL ONLY - - /2019153365 9/20/2018 $1,182.54 2018/2018 Loss


20491 12/21/2018 INDEMNITY BACHARACH INSTITUTE FOR REHABILITATION, INC - - /2018131188 4/15/2018 $198.00 2018/2018 Loss

20492 12/21/2018 INDEMNITY LOURDES ANESTHESIA ASSOC PA - - /2018129248 3/21/2018 $846.30 2018/2018 Loss


INDEMNITY - - /2019154199 10/1/2018 $160.00 2018/2018 Loss

INDEMNITY - - /2019154348 9/28/2018 $240.00 2018/2018 Loss

INDEMNITY - - /2019153458 9/22/2018 $160.00 2018/2018 Loss

INDEMNITY MLT-2019153495/ 9/21/2018 $160.00 2018/2018 Loss


235




Check Number


2019153493

INDEMNITY - - /2019153315 9/20/2018 $400.00 2018/2018 Loss

INDEMNITY - - /2019152485 9/12/2018 $480.00 2018/2018 Loss

INDEMNITY - - /2019149430 7/28/2018 $80.00 2018/2018 Loss

INDEMNITY - - /2019150391 6/21/2018 $240.00 2018/2018 Loss

INDEMNITY - - /2018143706 5/24/2018 $160.00 2018/2018 Loss

INDEMNITY - - /2018143281 5/18/2018 $240.00 2018/2018 Loss

INDEMNITY MLT-2018131125/2018131162

4/13/2018 $160.00 2018/2018 Loss

INDEMNITY - - /2018129612 3/22/2018 $160.00 2018/2018 Loss

INDEMNITY - - /2017095228 2/18/2017 $320.00 2017/2017 Loss




INDEMNITY - - /2019158264 11/13/2018 $212.52 2018/2018 Loss





INDEMNITY - - /2019154348 9/28/2018 $84.00 2018/2018 Loss

INDEMNITY MLT-2019153495/2019153495

9/21/2018 $121.80 2018/2018 Loss

INDEMNITY - - /2019153341 9/19/2018 $121.80 2018/2018 Loss

INDEMNITY - - /2019148301 7/19/2018 $84.00 2018/2018 Loss


INDEMNITY Z32171/001244287 12/30/2015 $84.00 2015/2015 Loss

20495 12/21/2018 FERNANDO J. DELASOTTA MD $230.00


236




Check Number


INDEMNITY - - /2018145173 5/11/2018 $115.00 2018/2018 Loss

INDEMNITY - - /2018131188 4/15/2018 $115.00 2018/2018 Loss

20496 12/21/2018 ONE CALL CARE DIAGNOSTICS $1,210.00


INDEMNITY - - /2019149364 8/1/2018 $650.00 2018/2018 Loss


20497 12/21/2018 MEDICAL ONLY OCEAN CITY FAMILY PRACTICE - - /2018146535 6/21/2018 $100.00 2018/2018 Loss 20498 12/21/2018 PACE ORTHOPEDICS ANDSPORTS MED.,PC $532.16

INDEMNITY - - /2019157782 11/6/2018 $91.93 2018/2018 Loss



20499 12/21/2018 INDEMNITY NovaCare Rehabilitation - - /2019157994 11/8/2018 $90.00 2018/2018 Loss 20500 12/21/2018 INDEMNITY MEDIKINE GROUP, LLC - - /2018145833 6/18/2018 $504.00 2018/2018 Loss

20501 12/21/2018 INDEMNITY PREMIER ORTHOPAEDIC ASSOCIATES OF SOUTHERN NJ - - /2018146519 6/25/2018 $123.67 2018/2018 Loss

20502 12/21/2018 MEDICAL ONLY INSPIRA HEALTH NETWORK URGENT CARE PC - - /2019159184 11/23/2018 $184.65 2018/2018 Loss 20503 12/21/2018 CAPE PHYSICAL THERAPY LLC $300.00

INDEMNITY - - /2018130564 4/9/2018 $240.00 2018/2018 Loss

INDEMNITY Z32171/001244287 12/30/2015 $60.00 2015/2015 Loss

20504 12/21/2018 INDEMNITY NASSER E. BORAI MD, LLC - - /2018129612 3/22/2018 $245.66 2018/2018 Loss 20505 12/21/2018 THE FRANKEL ORTHOPEDICS AND SPORTS $344.08

INDEMNITY - - /2019153315 9/20/2018 $231.84 2018/2018 Loss

INDEMNITY MLT-2018131125/2018131162

4/13/2018 $112.24 2018/2018 Loss

20506 12/21/2018 INDEMNITY ADVANCED SPINE AND PAIN L L C - - /2018131188 4/15/2018 $89.85 2018/2018 Loss 20507 12/21/2018 BAYFRONT EMERGENCY PHYSICIANS, PA $926.00

INDEMNITY - - /2019153315 9/20/2018 $463.00 2018/2018 Loss


20508 12/21/2018 ATLANTICARE REGIONAL MEDICAL CENTER $4,878.30



237




Check Number


INDEMNITY - - /2018131188 4/15/2018 $2,367.30 2018/2018 Loss

20509 12/21/2018 INDEMNITY COMP X MEDICAL MANAGEMENT - - /2018131188 4/15/2018 $169.00 2018/2018 Loss 20510 12/21/2018 ISO SERVICES, INC. $620.60



INDEMNITY MLT-2019153495/2019153493

9/21/2018 $10.70 2018/2018 Expense

INDEMNITY MLT-2019153495/2019153495

9/21/2018 $10.70 2018/2018 Expense








MEDICAL ONLY MLT-2019152894/2019152894

9/17/2018 $10.70 2018/2018 Expense

MEDICAL ONLY MLT-2019152894/2019152900

9/17/2018 $10.70 2018/2018 Expense








MEDICAL ONLY MLT-2019152259/ 9/11/2018 $10.70 2018/2018 Expense


238




Check Number


2019152259



























239




Check Number










INDEMNITY MLT-2018120130/2018120205

12/11/2017 $10.70 2017/2017 Expense




20511 12/21/2018 QUALCARE, INC. $4,455.00



MEDICAL ONLY MLT-2019160431/2019160431

12/9/2018 $495.00 2018/2018 Loss







20512 12/24/2018 ISO SERVICES, INC. $32.10

BODILY INJURY [Expired] - - /2019151495 7/20/2018 $10.70 2018/2018 Expense



240




Check Number



20513 12/24/2018 INDEMNITY HAMILTON TOWNSHIP - - /2019160386 12/8/2018 $1,806.00 2018/2018 Loss 20514 12/24/2018 INDEMNITY BRIGANTINE CITY - - /2019160161 12/6/2018 $1,191.86 2018/2018 Loss 20515 12/24/2018 INDEMNITY BEST MED CONSULTANTS, PA - - /2018110623 8/22/2017 $900.00 2017/2017 Expense20516 12/24/2018 INDEMNITY DEBRA MURPHY Z17982/001229840 5/19/2015 $1,824.00 2015/2015 Loss 20517 12/24/2018 INDEMNITY THOMAS SUMMERVILLE - - /2018113300 9/25/2017 $956.00 2017/2017 Loss 20518 12/24/2018 INDEMNITY TYLER KRUMAKER Z37287/001249501 4/11/2016 $1,624.00 2016/2016 Loss 20519 12/24/2018 3RD PARTY PD KIMBERLY SLATTERY - - /2019148878 7/15/2018 $500.00 2018/2018 Loss 20520 12/24/2018 INDEMNITY DIAGNOSTIC PATHOLOGY CONSULTANTS P A X94524/001206080 6/26/2014 $40.89 2014/2014 Loss 20521 12/24/2018 INDEMNITY STRIVE PHYSICAL THERAPY AND - - /2019158002 11/8/2018 $80.00 2018/2018 Loss 20522 12/24/2018 INDEMNITY WEST JERSEY ANESTHESIA ASSOCIATES, PA X94524/001206080 6/26/2014 $970.15 2014/2014 Loss

20523 12/24/2018 INDEMNITY TWIN BORO PHYSICAL THERAPY ASSOCIATES, P.A. - - /2018129612 3/22/2018 $240.00 2018/2018 Loss


INDEMNITY - - /2019153458 9/22/2018 $84.00 2018/2018 Loss

INDEMNITY - - /2018129612 3/22/2018 $121.80 2018/2018 Loss

INDEMNITY Z33981/001246109 2/5/2016 $941.58 2016/2016 Loss

20525 12/24/2018 INDEMNITY FERNANDO J. DELASOTTA MD - - /2019148821 7/26/2018 $300.00 2018/2018 Loss 20526 12/24/2018 INDEMNITY PACE ORTHOPEDICS ANDSPORTS MED.,PC - - /2019159068 11/9/2018 $214.52 2018/2018 Loss

20527 12/24/2018 MEDICAL ONLY SOUTH JERSEY HS EMG PHYS SV, PA MLT-2019158365/2019158367 10/18/2018 $198.15 2018/2018 Loss

20528 12/24/2018 INDEMNITY QUALCARE, INC. - - /2019161030 12/16/2018 $495.00 2018/2018 Loss 20529 12/28/2018 INDEMNITY COOPER LEVENSON, PA Z24610/001236614 5/9/2015 $1,812.00 2015/2015 Legal 20530 12/28/2018 BODILY INJURY [Expired] BIRCHMEIER & POWELL, LLC - - /2018112046 6/14/2017 $3,817.00 2017/2017 Legal 20531 12/28/2018 LEO PETETTI, LLC. $1,205.00


COMPREHENSIVE - - /2019157406 10/27/2018 $930.00 2018/2018 Expense


20532 12/28/2018 INDEMNITY AFFANATO MARUT LLC - - /2017089483 12/8/2016 $163.00 2016/2016 Legal 20533 12/28/2018 BODILY INJURY [Expired] WYBLE REPORTING, INC. Z21993/001233967 7/11/2015 $331.50 2015/2015 Expense20534 12/28/2018 PIETRAS, SARACINO, SMITH, & MEEK $1,659.00

INDEMNITY - - /2018106830 7/4/2017 $120.00 2017/2017 Legal


241




Check Number


INDEMNITY - - /2017145184 10/24/2016 $513.00 2016/2016 Legal



20535 12/28/2018 INDEMNITY MARGATE CITY - - /2018119057 11/28/2017 $1,180.12 2017/2017 Loss 20536 12/28/2018 1ST PARTY COLL PD ABSECON CITY - - /2019161194 11/8/2018 $730.38 2018/2018 Loss 20537 12/28/2018 INDEMNITY Luz Mora - - /2019153195 9/20/2018 $1,230.68 2018/2018 Loss

20538 12/28/2018 INDEMNITY PLEASANTVILLE CITY MLT-2018131125/2018131162 4/13/2018 $1,806.00 2018/2018 Loss

20539 12/28/2018 INDEMNITY ANTHONY VENUTO - - /2019150570 8/17/2018 $1,806.00 2018/2018 Loss 20540 12/28/2018 INDEMNITY NORTH WILDWOOD CITY - - /2019157994 11/8/2018 $691.37 2018/2018 Loss 20541 12/28/2018 INDEMNITY MIDDLE TOWNSHIP - - /2018143604 5/22/2018 $294.10 2018/2018 Loss 20542 12/28/2018 INDEMNITY ABSECON CITY - - /2018131188 4/15/2018 $1,806.00 2018/2018 Loss 20543 12/28/2018 INDEMNITY NEW JERSEY IME ASSOCIATES LLC - - /2018112766 9/18/2017 $500.00 2017/2017 Expense20544 12/28/2018 INDEMNITY LEO RUDOLPH Z25894/001237918 9/14/2015 $698.25 2015/2015 Loss 20545 12/28/2018 INDEMNITY KEVIN GRAHAM Z11990/001223707 3/1/2015 $2,964.00 2015/2015 Loss

20546 12/28/2018 INDEMNITY GARY BRENNER MLT-2017106164/2017106165 6/22/2017 $1,792.00 2017/2017 Loss

20547 12/28/2018 INDEMNITY JOHANNA HOVIK - - /2018113608 7/3/2017 $478.00 2017/2017 Loss 20548 12/28/2018 INDEMNITY Robert Lane - - /2019153341 9/19/2018 $903.00 2018/2018 Loss 20549 12/28/2018 INDEMNITY MaryLynn Egnor - - /2019161028 12/14/2018 $1,806.00 2018/2018 Loss 20550 12/28/2018 INDEMNITY STACY KUSKO X94524/001206080 6/26/2014 $990.24 2014/2014 Loss 20551 12/28/2018 INDEMNITY JONATHAN CAMPO Z35564/001247720 3/5/2016 $1,059.20 2016/2016 Loss 20552 12/28/2018 INDEMNITY HAROLD SPIVEY - - /2017101380 4/28/2017 $1,056.28 2017/2017 Loss

20553 12/28/2018 INDEMNITY NENAD NINKOVIC MLT-2018109813/2018109813 8/10/2017 $1,028.00 2017/2017 Loss

20554 12/28/2018 INDEMNITY CHRISTINE TONETTA Z33381/001245509 1/18/2016 $1,059.20 2016/2016 Loss 20555 12/28/2018 INDEMNITY QUINTON WRIGHT Z46160/001258485 10/8/2016 $928.00 2016/2016 Loss 20556 12/28/2018 1ST PARTY COLL PD GALLOWAY TOWNSHIP - - /2019158936 11/19/2018 $281.28 2018/2018 Loss 20557 12/28/2018 INLAND MARINE SEA ISLE CITY - - /2019152289 9/9/2018 $81,379.00 2018/2018 Loss 20558 12/28/2018 1ST PARTY COLL PD AVALON BOROUGH - - /2019155070 10/7/2018 $14,889.76 2018/2018 Loss 20559 12/28/2018 1ST PARTY COLL PD OCEAN CITY - - /2019158263 11/12/2018 $8,969.90 2018/2018 Loss 20560 12/28/2018 COMPREHENSIVE OCEAN CITY - - /2019157406 10/27/2018 $9,536.00 2018/2018 Loss 20561 12/28/2018 MEDICAL ONLY ATLANTICARE URGENT CARE & - - /2019158902 11/19/2018 $271.93 2018/2018 Loss 20562 12/28/2018 INDEMNITY ATLANTICARE REGIONAL, MEDICAL CENTER - - /2019148274 7/19/2018 $2,037.00 2018/2018 Loss 20563 12/28/2018 TWIN BORO PHYSICAL THERAPY ASSOCIATES, $400.00


242




Check Number


P.A.INDEMNITY - - /2019159068 11/9/2018 $80.00 2018/2018 Loss

INDEMNITY - - /2018143706 5/24/2018 $80.00 2018/2018 Loss

INDEMNITY - - /2018129612 3/22/2018 $80.00 2018/2018 Loss

INDEMNITY - - /2017095228 2/18/2017 $160.00 2017/2017 Loss



INDEMNITY - - /2019153195 9/20/2018 $84.00 2018/2018 Loss

INDEMNITY - - /2019151413 8/30/2018 $121.80 2018/2018 Loss

INDEMNITY - - /2018131188 4/15/2018 $121.80 2018/2018 Loss

20565 12/28/2018 INDEMNITY ONE CALL CARE DIAGNOSTICS - - /2018131188 4/15/2018 $485.00 2018/2018 Loss 20566 12/28/2018 INDEMNITY PACE ORTHOPEDICS ANDSPORTS MED.,PC - - /2018129801 3/27/2018 $91.93 2018/2018 Loss

20567 12/28/2018 MEDICAL ONLY SOUTH JERSEY HS EMG PHYS SV, PA MLT-2019158365/2019158365 10/18/2018 $198.15 2018/2018 Loss

20568 12/28/2018 ROTHMAN INSTITUTE $5,975.55

INDEMNITY - - /2019148274 7/19/2018 $5,809.65 2018/2018 Loss

INDEMNITY Z21365/001233333 7/6/2015 $165.90 2015/2015 Loss

20569 12/28/2018 NovaCare Rehabilitation $360.00

INDEMNITY - - /2019157994 11/8/2018 $90.00 2018/2018 Loss

INDEMNITY - - /2019153341 9/19/2018 $270.00 2018/2018 Loss

20570 12/28/2018 INDEMNITY FELLOWSHIP SURGICALCENTER, LLC - - /2018129248 3/21/2018 $896.00 2018/2018 Loss 20571 12/28/2018 MEDICAL ONLY CAPE REGIONAL URGENTCARE - - /2019158508 11/15/2018 $323.31 2018/2018 Loss

20572 12/28/2018 INDEMNITY PREMIER ORTHOPAEDIC ASSOCIATES OF SOUTHERN NJ - - /2018119057 11/28/2017 $7,726.17 2017/2017 Loss

20573 12/28/2018 INDEMNITY THE FRANKEL ORTHOPEDICS AND SPORTS - - /2018143706 5/24/2018 $59.80 2018/2018 Loss 20574 12/28/2018 INDEMNITY ALIGN DIRECT BILL LLC - - /2019151413 8/30/2018 $475.00 2018/2018 Loss 20575 12/28/2018 INDEMNITY COMP X MEDICAL MANAGEMENT - - /2018131188 4/15/2018 $169.00 2018/2018 Loss 20576 12/28/2018 QUALCARE, INC. $4,956.00




243




Check Number










20577 12/31/2018 INDEMNITY JOHN WISGO - - /2019146873 6/29/2018 $1,257.66 2018/2018 Loss 20578 12/31/2018 INDEMNITY ROBERT MAWHINNEY Z31123/001243228 12/8/2015 $1,036.00 2015/2015 Loss 20579 12/31/2018 INDEMNITY JOSEPH DESTEFANO Z47077/001260137 9/30/2016 $1,138.12 2016/2016 Loss 20580 12/31/2018 INDEMNITY BRYAN CASEY Z31124/001243229 12/8/2015 $1,006.12 2015/2015 Loss 20581 12/31/2018 INDEMNITY WALTER BELLES Z40620/001252912 6/20/2016 $3,081.56 2016/2016 Loss 20582 12/31/2018 INDEMNITY EDWARD BROWN MLT-Z02843/001214421 10/24/2014 $192.36 2014/2014 Loss 20583 12/31/2018 INDEMNITY MATTHEW TAYLOR X85339/001196602 2/24/2014 $946.76 2014/2014 Loss 20584 12/31/2018 INDEMNITY RICHARD HEILER - - /2017089337 12/7/2016 $1,856.00 2016/2016 Loss 20585 12/31/2018 ATLANTICARE URGENT CARE & $785.27








20586 12/31/2018 INDEMNITY TWIN BORO PHYSICAL THERAPY ASSOCIATES, P.A. - - /2019154348 9/28/2018 $80.00 2018/2018 Loss





244




Check Number




20588 12/31/2018 MEDICAL ONLY OCCUPATIONAL HEALTH CENTERS OF NEW JERSEY, PA - - /2019158955 11/20/2018 $261.77 2018/2018 Loss

20589 12/31/2018 MEDICAL ONLY ATLANTIC ER ASSOC-KESSLER SED - - /2019158757 11/17/2018 $456.00 2018/2018 Loss 20590 12/31/2018 CAPE REGIONAL URGENTCARE $871.68




MEDICAL ONLY MLT-2018132034/2018132034

4/22/2018 $119.56 2018/2018 Loss

20591 12/31/2018 INDEMNITY BAYFRONT EMERGENCY PHYSICIANS, PA MLT-2018114007/2018114007 9/29/2017 $449.00 2017/2017 Loss

20592 12/31/2018 MEDICAL ONLY ATLANTICARE REGIONAL MEDICAL CENTER - - /2019154231 10/1/2018 $2,511.00 2018/2018 Loss 20593 12/31/2018 MEDICAL ONLY WILDWIRE FIRE RESCUE - - /2018130319 4/3/2018 $996.00 2018/2018 Loss 20594 12/31/2018 QUALCARE, INC. $990.00



Total for AJF-ATL.JOINT INS.FUND $718,051.06 Total for AJF-ATL.JOINT INS.FUND $718,051.06

Number of Checks: 395 First Check Number: 20200Number of Payments: 937 Last Check Number: 20594

Expense Payments: $33,321.02

Legal Payments: $111,743.18

Loss Payments: $572,986.86


245


Recovery RegisterBank Account : ALL

iVOS Line: PropertyProcessed Date: Dec 1, 2018 - Dec 31, 2018Instance Type: AllCoverage: All ,Claimant Type: All

Processed Check Date

Check Number

QL File Number / IVOS Claim Number

Claimant Type Claimant Loss Date Transaction Type Payee Examiner Policy Year Amount Exp. / Legal

12/18/2018 W48335 / 001055219 BLDG/CONTENT BUENA VISTA TWP 6/2/2010 R-SUBROGATION BLD & CNT

BUENA VISTA TOWNSHIP

Joseph Lisciandri 2010/2010 30.00 Loss

12/18/2018 W48335 / 001055219 BLDG/CONTENT BUENA VISTA TWP 6/2/2010 R-SUBROGATION BLD & CNT

BUENA VISTA TOWNSHIP

Joseph Lisciandri 2010/2010 30.00 Loss

Year 2010/2010 Totals: 2 $60.00Excess Reimbursement Totals: 0 $0.00

Subrogation Totals: 2 $60.00Refund Totals: 0 $0.00

All Other Totals: 0 $0.00

12/11/2018 X07746 / 001115408 COMPREHENSIVE MULLICA TWP 8/20/2011 R-SUBROGATION COLL/COMP

MULLICA TOWNSHIP

DORIS MOORE1 2011/2011 20.00 Loss

12/18/2018 X07746 / 001115408 COMPREHENSIVE MULLICA TWP 8/20/2011 R-SUBROGATION COLL/COMP

MULLICA TOWNSHIP





12/21/2018 X78759 / 001189736 COMPREHENSIVE FOLSOM 12/4/2013 R-SUBROGATION COLL/COMP

FOLSOM BOROUGH

James Mercanto 2013/2013 9.87 Loss




12/15/2018 Z39330 / 001251597 COMPREHENSIVE MIDDLE TWP 5/25/2016 R-SUBROGATION COLL/COMP

MIDDLE TOWNSHIP

James Mercanto 2016/2016 437.00 Loss




246



iVOS Line: PropertyProcessed Date: Dec 1, 2018 - Dec 31, 2018Instance Type: AllCoverage: All ,Claimant Type: All


Check Number




12/14/2018 - - / 2018113085 MONEY/SEC INSIDE

GALLOWAY 8/30/2017 R-SUBROGATION OTR LOSS PR

GALLOWAY TOWNSHIP





12/12/2018 - - / 2019158180 INLAND MARINE Brigantine 10/29/2018 R-SUBROGATION OTR LOSS PR

BRIGANTINE CITY

James Mercanto 2018/2018 3,480.50 Loss

12/7/2018 - - / 2019157406 COMPREHENSIVE Ocean City 10/27/2018 R-SALVAGE COLL/COMP

OCEAN CITY James Mercanto 2018/2018 2,500.00 Loss

12/12/2018 - - / 2019149399 1ST PARTY COLL PD

AVALON BOROUGH 8/2/2018 R-SUBROGATION COLL/COMP

AVALON BOROUGH

James Mercanto 2018/2018 1,969.70 Loss

12/21/2018 - - / 2018131716 1ST PARTY COLL PD

WATERFORD TWP 4/17/2018 R-SUBROGATION COLL/COMP

WATERFORD TOWNSHIP

Eileen Stasuk [Expired]

2018/2018 950.90 Loss

Year 2018/2018 Totals: 4 $8,901.10Excess Reimbursement Totals: 0 $0.00

Subrogation Totals: 3 $6,401.10Refund Totals: 0 $0.00

All Other Totals: 1 $2,500.00

All Property Totals: 11 $9,485.97Excess Reimbursement Totals: 0 $0.00




247



iVOS Line: Workers CompensationProcessed Date: Dec 1, 2018 - Dec 31, 2018Instance Type: AllCoverage: All ,Claimant Type: All


Check Number



12/14/2018 X88917 / 001200238 INDEMNITY GARY COSLOP 4/5/2014 R-SUBROGATION MED LINWOOD CITY Chelsea Quitter 2014/2014 163.00 Loss




12/4/2018 Z27232 / 001239276 MEDICAL ONLY MICHAEL JAMERSON 10/1/2015 R-SUBROGATION MED MULLICA TOWNSHIP

Arlee Boyd-Smith 2015/2015 25.00 Loss

12/20/2018 Z27232 / 001239276 MEDICAL ONLY MICHAEL JAMERSON 10/1/2015 R-SUBROGATION MED MULLICA TOWNSHIP

Arlee Boyd-Smith 2015/2015 25.00 Loss




12/11/2018 Z38199 / 001250461 INDEMNITY HEATH PER 4/30/2016 R-SUBROGATION TTD EGG HARBOR TOWNSHIP

Kaitlyn Leonard 2016/2016 4,977.14 Loss

12/11/2018 Z38199 / 001250461 INDEMNITY HEATH PER 4/30/2016 R-SUBROGATION MED EGG HARBOR TOWNSHIP


12/11/2018 Z38199 / 001250461 INDEMNITY HEATH PER 4/30/2016 R-SUBROGATION PPD EGG HARBOR TOWNSHIP





12/14/2018 - - / 2018113256 INDEMNITY STEPHEN TOLAN 9/23/2017 R-SUBROGATION MED NORTH WILDWOOD CITY

Courtney Chialastri 2017/2017 258.00 Loss


248



iVOS Line: Workers CompensationProcessed Date: Dec 1, 2018 - Dec 31, 2018Instance Type: AllCoverage: All ,Claimant Type: All


Check Number



12/14/2018 - - / 2018111982 INDEMNITY JULIO RUIZ 9/8/2017 R-SUBROGATION MED MIDDLE TOWNSHIP

Courtney Chialastri 2017/2017 498.00 Loss

12/18/2018 - - / 2018113608 INDEMNITY JOHANNA HOVIK 7/3/2017 R-SUBROGATION TTD DENNIS TOWNSHIP

MARY JANE TOMASELLO1

2017/2017 3,902.94 Loss

12/18/2018 - - / 2018113608 INDEMNITY JOHANNA HOVIK 7/3/2017 R-SUBROGATION MED DENNIS TOWNSHIP

MARY JANE TOMASELLO1

2017/2017 3,902.93 Loss




All Workers Compensation Totals: 10 $108,774.87Excess Reimbursement Totals: 0 $0.00



Grand Total: 21 $118,260.84Excess Reimbursement Totals: 0 $0.00




249


Adjustment RegisterBank Account : ALL

Processed Date: Dec 1, 2018 - Dec 31, 2018Instance Type: AllCoverage: All ,Claimant Type: All


Check Num QL File Number /

Claim Num

Claimant Claimant (Case) Type

Loss Date

Payee Insured Payment Method

Amount Policy Year

Exp. / Legal

12/4/2018 - - / 2018129612

EDWARD MCGRATH INDEMNITY 3/22/2018 MARGATE CITY MARGATE CITY~0017831940~17831940 Paper Transaction

($2,350.86) 2018/2018 Loss

12/14/2018 - - / 2018106814

WILLIAM CORNELL INDEMNITY 7/4/2017 NORTHFIELD CITY NORTHFIELD CITY~0017831996~17831996 Paper Transaction

($2,511.00) 2017/2017 Loss

12/12/2018 Z14953 / 001226723

JAMES BENNETT BODILY INJURY [Expired]

2/22/2015 OCEAN CITY OCEAN CITY~0017834827~17834827 Paper Transaction

($125.00) 2015/2015 Expense

Paper Transaction Total: 3 ($4,986.86)


250






Claim Num


Loss Date


Amount Policy Year

Exp. / Legal

12/11/2018 12/4/2018 20209 - - / 2018114153

RICARDO RAMOS INDEMNITY 9/29/2017 PIETRAS, SARACINO, SMITH, & MEEK

MILLVILLE CITY~0017835173~17835173 Reversal ($324.00) 2017/2017 Legal

Reversal Total: 1 ($324.00)


251






Claim Num


Loss Date


Amount Policy Year

Exp. / Legal

12/11/2018 12/4/2018 20209 Z45833 / 001258161

RICARDO RAMOS INDEMNITY 10/2/2016 PIETRAS, SARACINO, SMITH, & MEEK

MILLVILLE CITY~0017835173~17835173 Reverse/Copy $324.00 2016/2016 Legal

Reverse/Copy Total: 1 $324.00


252






Claim Num


Loss Date


Amount Policy Year

Exp. / Legal

12/10/2018 8/3/2018 18338 - - / 2018146553

EDWARD BONACCI MEDICAL ONLY

6/23/2018 CAPE REGIONAL MEDICAL CENTER LOWER TOWNSHIP~0017834740~17834740

Void ($795.00) 2018/2018 Loss

12/10/2018 8/3/2018 18338 - - / 2018144271

PAMELA EMILY GITTLE

MEDICAL ONLY

5/31/2018 CAPE REGIONAL MEDICAL CENTER MIDDLE TOWNSHIP~0017834769~17834769

Void ($795.00) 2018/2018 Loss

Void Total: 2 ($1,590.00)

Grand Total: 7 ($6,576.86)Reimbursement Total: 3 ($4,986.86)

Reversal Total: 0 $0.00Reverse/Copy Total: 0 $0.00

Stop Pay Total: 0 $0.00Void Total: 2 ($1,590.00)


253

SUBROGATION BY YEARAND ADJUSTMENT RECEIPTS PER MONTH

DESCRIPTION TOTAL JANUARY FEBRUARY MARCH APRIL MAY JUNE JULY AUGUST SEPTEMBER OCTOBER NOVEMBER DECEMBERRECOVERY REGISTER

EXCESS REIMBURSEMENTS -$ SUBROGATION 420,329.29$ 7,145.72$ 19,584.85$ 42,625.78$ 43,716.77$ 20,966.04$ 19,060.05$ 56,931.45$ 10,471.55$ 5,200.87$ 12,554.63$ 63,810.74$ 118,260.84$

REFUNDS -$ ALL OTHER 3,300.00$ 2,500.00$ 800.00$

TOTALS 423,629.29$ 7,145.72$ 22,084.85$ 43,425.78$ 43,716.77$ 20,966.04$ 19,060.05$ 56,931.45$ 10,471.55$ 5,200.87$ 12,554.63$ 63,810.74$ 118,260.84$

ADJUSTMENT REGISTER:TOTAL 30,122.98$ 3,654.00$ 3,175.64$ -$ 2,457.55$ 7,006.39$ 674.61$ 2,618.20$ -$ 2,242.25$ 3,307.48$ 4,986.86$

OTHER RECEIPTSOCEAN CITY 15,000.00$ 15,000.00$ TRANSFER FROM M&T{ACCUMULATED INT& EXCESS} 225,000.00$ 225,000.00$ MEL RESIDUAL FUND 4.25$ 4.25$ MEL: CY LAIMS IN RCF 117,084.90$ 117,084.90$ CREDIT TO 2017 MISC/FIDELITY 229.00$ 229.00$ CREDIT TO 2018 EPL/POL PREMIUM 127,025.10$ 127,025.10$ CREDIT TO 2016 CONTINGENCY 295.00$ 295.00$ ABSECON:RETRO 9,607.00$ 9,607.00$ NEWFIELD:DELINQUENT INT 174.66$ 174.66$ DOWNE:DELINQUENT INT 47.91$ 47.91$ REFUND APPROPRIATION:SELECTIVE 254.96$ 254.96$ MIDDLE:FD:APPLICATION 750.00$ 750.00$

495,472.78$ 15,000.00$ 10,531.66$ 229.00$ 302.87$ 4.25$ 225,000.00$ -$ 127,025.10$ 295.00$ 117,084.90$ -$ -$

INTEREST:INVESTORS BANK 152,926.35$ 10,565.36$ 9,748.52$ 9,171.91$ 9,238.33$ 10,457.48$ 10,986.34$ 11,565.42$ 13,558.27$ 14,275.15$ 15,939.80$ 17,611.39$ 19,808.38$

ASSESSMENTS:PRIOR YEAR 11,068.00$ 11,068.00$ NOTE REFUND OF $1,450

CURRENT YEAR 20,117,973.00$ 327,671.00$ 2,978,336.00$ 7,806.00$ 1,667,305.00$ 3,876,427.00$ 1,462,643.00$ 4,153,923.00$ 1,469,402.00$ 4,174,460.00$ 20,116,523.00$ 20,129,041.00$ 338,739.00$ 2,978,336.00$ 7,806.00$ 1,667,305.00$ 3,876,427.00$ -$ 1,462,643.00$ 4,153,923.00$ -$ 1,469,402.00$ 4,174,460.00$ -$

TOTAL 21,231,192.40$ 375,104.08$ 3,023,876.67$ 60,632.69$ 1,723,020.52$ 3,907,854.77$ 262,052.78$ 1,531,814.48$ 4,307,596.12$ 19,771.02$ 1,617,223.58$ 4,259,189.61$ 143,056.08$ CHECK EQUAL -0- -$ BANK STATEMENT= 21,231,192.40$ CHECK EQUAL -0- -$

RECOVERY REGISTERSUBROGATION BY YEAR

2018 88,962.76$ 7,772.95$ 600.00$ 5,492.40$ 12,969.75$ 16,873.62$ 8,294.68$ 4,390.00$ 6,059.39$ 17,608.87$ 8,901.10$ 2017 72,431.17$ 6,895.85$ 11,971.11$ 1,900.40$ 12,289.06$ 15,115.90$ 4,701.02$ 4,812.96$ 1,862.00$ 596.00$ 2,683.00$ 994.00$ 8,609.87$ 2016 167,198.27$ 2,444.00$ 32,757.56$ 30,249.71$ 50.00$ 1,110.00$ 50.00$ 50.00$ 50.00$ 100,437.00$ 2015 39,920.78$ 50.00$ 100.00$ 548.00$ 58.00$ 219.41$ 35,075.00$ 25.00$ 75.00$ 3,672.37$ 48.00$ 50.00$ 2014 50,552.87$ 50.00$ 5,050.00$ 100.00$ 50.00$ 50.00$ 39.87$ 50.00$ 45,000.00$ 163.00$ 2013 98.70$ 9.87$ 19.74$ 9.87$ 19.74$ 9.87$ 9.87$ 9.87$ 9.87$ 2012 100.00$ 100.00$ 2011 84.74$ 10.00$ 25.00$ 9.87$ -$ 9.87$ 30.00$ 2010 330.00$ 30.00$ 60.00$ 30.00$ 30.00$ 60.00$ 30.00$ 30.00$ 60.00$ 2009 600.00$ 100.00$ 100.00$ 50.00$ 150.00$ 50.00$ 150.00$

RECEIVED BY TREASURER NOT IN RECOVERY REPORT 50.00$ 50.00$ 2007 -$ 2006 -$ 2005 -$ 2004 -$ 2003 -$ 2002 -$ 2001 -$

420,329.29$ 7,145.72$ 19,584.85$ 42,625.78$ 43,716.77$ 20,966.04$ 19,060.05$ 56,931.45$ 10,471.55$ 5,200.87$ 12,554.63$ 63,810.74$ 118,260.84$ *NOTE1 MULLICA 2011 MULLICA 2011 -$

CHECK EQUAL -0- -$ $10-NOT RECEIVED $10-NOT RECEIVED

NOTE 1 RECONCILING ITEM: 913.17POSTINGS ON QUAL LYNX/NOT RECEIVED BY TREASURER

FILE:C:\Users\kkristie\Documents\ACM\Treasurer\RECOVERY- ADJUSTMENT- OTHER-INTEREST-ASSESSMENT REGISTER\CONTROL 254

SUMMARY OF CASH TRANSACTIONS

FUND YEAR 2018



OPEN BALANCE (93,235.74) (1,173,194.53) 235,528.51 3,494,434.97 1,388,130.35 0.00 0.00 (1,603,413.50) 6,087,221.22 8,335,471.28

RECEIPTS

Assessments 181,593.18 419,119.96 70,974.17 1,369,853.22 362,359.83 0.00 0.00 0.00 1,770,559.64 4,174,460.00

Refunds 17,608.87 0.00 0.00 0.00 17,608.87

Invest Pymnts 32.57 4.64 433.25 6,517.53 2,532.70 0.00 0.00 0.00 11,385.73 20,906.42

Invest Adj 0.00 0.00 26.93 399.50 158.70 0.00 0.00 0.00 695.92 1,281.05

Subtotal Invest 32.57 4.64 460.18 6,917.03 2,691.40 0.00 0.00 0.00 12,081.65 22,187.47

Other * 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

TOTAL 199,234.62 419,124.60 71,434.35 1,376,770.25 365,051.23 0.00 0.00 0.00 1,782,641.29 4,214,256.34

EXPENSES 0.00

Claims Transfers 30,506.97 3,073.82 2,894.90 345,290.17 0.00 0.00 0.00 0.00 0.00 381,765.86

Expenses 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 401,067.40 401,067.40

Other * 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

TOTAL 30,506.97 3,073.82 2,894.90 345,290.17 0.00 0.00 0.00 0.00 401,067.40 782,833.26

END BALANCE 75,491.91 (757,143.75) 304,067.96 4,525,915.05 1,753,181.58 0.00 0.00 (1,603,413.50) 7,468,795.11 11,766,894.36


FUND YEAR 2017



OPEN BALANCE 93,777.64 2,072,165.70 253,115.90 3,809,434.66 1,959,416.48 0.00 0.00 253,120.90 377,473.47 8,818,504.75

RECEIPTS

Assessments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Refunds 48.00 0.00 0.00 946.00 994.00

Invest Pymnts 184.62 4,069.28 495.92 7,602.32 3,829.78 0.00 0.00 489.23 755.62 17,426.77

Invest Adj 10.72 236.90 28.94 435.51 224.01 0.00 0.00 28.94 43.15 1,008.17

Subtotal Invest 195.34 4,306.18 524.86 8,037.83 4,053.79 0.00 0.00 518.17 798.77 18,434.94

Other * 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 (50.00) (50.00)

TOTAL 243.34 4,306.18 524.86 8,983.83 4,053.79 0.00 0.00 518.17 748.77 19,378.94

EXPENSES

Claims Transfers 0.00 10,543.50 0.00 152,868.21 0.00 0.00 0.00 0.00 0.00 163,411.71

Expenses 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8,859.41 8,859.41

Other * 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

TOTAL 0.00 10,543.50 0.00 152,868.21 0.00 0.00 0.00 0.00 8,859.41 172,271.12

END BALANCE 94,020.98 2,065,928.38 253,640.76 3,665,550.28 1,963,470.27 0.00 0.00 253,639.07 369,362.83 8,665,612.57

256


FUND YEAR 2016



OPEN BALANCE 7,482.98 2,008,660.33 333,506.39 2,331,912.46 2,030,203.34 123,796.03 0.00 112,254.59 56,985.02 7,004,801.14

RECEIPTS

Assessments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Refunds 0.00 0.00 0.00 50.00 50.00

Invest Pymnts 14.13 4,028.96 652.41 4,754.18 3,974.57 242.17 0.00 219.59 114.18 14,000.19

Invest Adj 0.86 229.64 38.13 266.59 232.10 14.15 0.00 12.83 6.51 800.81

Subtotal Invest 14.99 4,258.60 690.54 5,020.77 4,206.67 256.32 0.00 232.42 120.69 14,801.00

Other * 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

TOTAL 14.99 4,258.60 690.54 5,070.77 4,206.67 256.32 0.00 232.42 120.69 14,851.00

EXPENSES

Claims Transfers 0.00 325,053.83 3,760.00 92,771.81 0.00 0.00 0.00 0.00 0.00 421,585.64

Expenses 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Other * 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

TOTAL 0.00 325,053.83 3,760.00 92,771.81 0.00 0.00 0.00 0.00 0.00 421,585.64

END BALANCE 7,497.97 1,687,865.10 330,436.93 2,244,211.42 2,034,410.01 124,052.35 0.00 112,487.01 57,105.71 6,598,066.50


FUND YEAR 2015



OPEN BALANCE 173,302.59 1,725,568.26 323,042.57 1,735,117.14 2,183,341.43 121,530.96 0.00 271,134.66 148,054.08 6,681,091.69

RECEIPTS

Assessments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Refunds 0.00 0.00 0.00 48.00 48.00

Invest Pymnts 338.16 3,458.82 634.32 3,517.56 4,270.99 237.74 0.00 530.39 289.62 13,277.60

Invest Adj 19.81 197.27 36.93 198.37 249.61 13.89 0.00 31.00 16.93 763.81

Subtotal Invest 357.97 3,656.09 671.25 3,715.93 4,520.60 251.63 0.00 561.39 306.55 14,041.41

Other * 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

TOTAL 357.97 3,656.09 671.25 3,763.93 4,520.60 251.63 0.00 561.39 306.55 14,089.41

EXPENSES

Claims Transfers 0.00 9,914.25 1,513.99 45,161.12 0.00 0.00 0.00 0.00 0.00 56,589.36

Expenses 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Other * 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

TOTAL 0.00 9,914.25 1,513.99 45,161.12 0.00 0.00 0.00 0.00 0.00 56,589.36

END BALANCE 173,660.56 1,719,310.10 322,199.83 1,693,719.95 2,187,862.03 121,782.59 0.00 271,696.05 148,360.63 6,638,591.74

257


FUND YEAR 2014



OPEN BALANCE 104,121.15 1,042,022.03 (176,726.14) 1,367,098.14 2,184,273.10 31,358.20 0.00 203,302.24 197,279.89 4,952,728.61

RECEIPTS

Assessments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Refunds 0.00 0.00 0.00 45,000.00 45,000.00

Invest Pymnts 203.62 2,053.35 12.07 2,722.51 4,272.81 61.34 0.00 397.69 385.91 10,109.30

Invest Adj 11.90 119.13 0.00 156.29 249.72 3.59 0.00 23.24 22.55 586.42

Subtotal Invest 215.52 2,172.48 12.07 2,878.80 4,522.53 64.93 0.00 420.93 408.46 10,695.72

Other * 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

TOTAL 215.52 2,172.48 12.07 47,878.80 4,522.53 64.93 0.00 420.93 408.46 55,695.72

EXPENSES

Claims Transfers 0.00 3,353.55 0.00 41,948.41 0.00 0.00 0.00 0.00 0.00 45,301.96

Expenses 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Other * 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

TOTAL 0.00 3,353.55 0.00 41,948.41 0.00 0.00 0.00 0.00 0.00 45,301.96

END BALANCE 104,336.67 1,040,840.96 (176,714.07) 1,373,028.53 2,188,795.63 31,423.13 0.00 203,723.17 197,688.35 4,963,122.37


FUND YEAR Closed



OPEN BALANCE 81,822.39 1,222,230.50 308,803.14 2,264,657.36 2,402,465.87 0.00 0.00 170,738.53 9,828,381.30 16,279,099.09

RECEIPTS

Assessments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Refunds 0.00 0.00 0.00 0.00 0.00

Invest Pymnts 159.93 2,390.91 604.07 4,430.39 4,699.63 0.00 0.00 333.99 19,287.64 31,906.56

Invest Adj 9.35 139.73 35.30 258.91 274.66 0.00 0.00 19.52 1,123.62 1,861.09

Subtotal Invest 169.28 2,530.64 639.37 4,689.30 4,974.29 0.00 0.00 353.51 20,411.26 33,767.65

Other * 159.87 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 159.87

TOTAL 329.15 2,530.64 639.37 4,689.30 4,974.29 0.00 0.00 353.51 20,411.26 33,927.52

EXPENSES

Claims Transfers 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Expenses 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 168,284.00 168,284.00

Other * 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

TOTAL 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 168,284.00 168,284.00

END BALANCE 82,151.54 1,224,761.14 309,442.51 2,269,346.66 2,407,440.16 0.00 0.00 171,092.04 9,680,508.56 16,144,742.61

258

CERTIFICATION AND RECONCILIATION OF CLAIMS PAYMENTS AND RECOVERIES


Month December

Current Fund Year 2018

1. 2. 3. 4. 5. 6. 7. 8.

Calc. Net Monthly Monthly Calc. Net TPA Net Variance Delinquent Change

Policy Paid Thru Net Paid Recoveries Paid Thru Paid Thru To Be Unreconciled This

Year Coverage Last Month December December December December Reconciled Variance From Month

2018 Prop 799,997.13 127,520.99 8,901.10 918,617.02 918,617.02 0.00 0.00 0.00

Liab 36,532.07 2,250.00 0.00 38,782.07 38,782.07 0.00 0.00 0.00

Auto 39,158.35 3,692.32 0.00 42,850.67 42,850.67 0.00 0.00 0.00

WC 2,095,459.22 209,204.66 0.00 2,304,663.88 2,304,663.88 0.00 0.00 0.00

Total 2,971,146.77 342,667.97 8,901.10 3,304,913.64 3,304,913.64 0.00 0.00 0.00

2017 Prop 897,718.19 150.00 48.00 897,820.19 897,820.19 0.00 0.00 0.00

Liab 272,160.14 8,039.50 0.00 280,199.64 280,199.64 0.00 0.00 0.00

Auto 110,510.09 0.00 0.00 110,510.09 110,510.09 0.00 0.00 0.00

WC 3,697,500.97 143,249.06 8,561.87 3,832,188.16 3,832,188.16 (0.00) (0.00) 0.00

Total 4,977,889.39 151,438.56 8,609.87 5,120,718.08 5,120,718.08 (0.00) (0.00) 0.00

2016 Prop 1,054,652.42 0.00 437.00 1,054,215.42 1,054,215.42 0.00 0.00 0.00

Liab 1,006,552.09 12,246.14 0.00 1,018,798.23 1,018,798.23 0.00 0.00 0.00

Auto 65,802.95 0.00 0.00 65,802.95 65,802.95 0.00 0.00 0.00

WC 5,393,962.59 100,871.60 100,000.00 5,394,834.19 5,394,834.19 0.00 0.00 (0.00)

Total 7,520,970.05 113,117.74 100,437.00 7,533,650.79 7,533,650.79 0.00 0.00 (0.00)

2015 Prop 672,284.46 0.00 0.00 672,284.46 672,284.46 0.00 0.00 0.00

Liab 1,105,453.27 2,842.00 0.00 1,108,295.27 1,108,295.27 0.00 0.00 0.00

Auto 134,447.22 0.00 0.00 134,447.22 134,447.22 0.00 0.00 0.00

WC 6,463,390.07 42,561.19 50.00 6,505,901.26 6,505,901.26 0.00 0.00 0.00

Total 8,375,575.02 45,403.19 50.00 8,420,928.21 8,420,928.21 0.00 0.00 0.00

2014 Prop 841,011.01 0.00 0.00 841,011.01 841,011.01 0.00 0.00 0.00

Liab 1,803,356.72 0.00 0.00 1,803,356.72 1,803,356.72 0.00 0.00 0.00

Auto 631,357.60 0.00 0.00 631,357.60 631,357.60 0.00 0.00 0.00

WC 7,586,181.77 58,846.74 163.00 7,644,865.51 7,644,865.51 (0.00) (0.00) 0.00

Total 10,861,907.10 58,846.74 163.00 10,920,590.84 10,920,590.84 (0.00) (0.00) 0.00

TOTAL 34,707,488.33 711,474.20 118,160.97 35,300,801.56 35,300,801.56 0.00 0.00 0.00

2018 CIR_ACM CRC_REPORTS Page 1 1/9/2019 9:07 AM

259

Payable To: FY 2019 FY 2018 FY 2017 Appropriation Description

1 The Actuarial Advantage 1,436.00 Prof Services/Actuary Nov 2018 Fees

2 PERMA 10,797.00 Prof Services/Admin. Consultant Jan-March 2019 Fees

3 Arthur J. Gallagher Risk Management Services, Inc. 74,545.00 Prof Services/Administration Jan 2019 Fee utilizing 2018 rates

4 Arthur J. Gallagher Risk Management Services, Inc. 276.33 Misc/Postage/Copies/Fax Dec 2018 Fees

5 Arthur J. Gallagher Risk Management Services, Inc. 920.00 Misc/Meeting Expense Reimbursemt for 23 FC for holiday dinner

6 The DeWeese Law Firm, P.C. 10,608.00 Prof Services/Attorney Jan 2019 Fees

7 Qual-Lynx 64,603.00 Prof Services/Claims Administration Jan 2019 Fees

8 Joyce Media 375.00 Misc/JIF Website Jan 2019 Fees

9 Tracy Forlenza 527.00 Misc/Recording Secretary Jan 2019 Fees

10 J.A. Montgomery Risk Control Services 18,006.00 Prof Services/Safety Director/Loss Control Jan 2019 Fees

11 John Hansen 2,003.00 Prof Services/Treasurer Jan 2019 Fees

12 Conner Strong & Buckelew 1,001.00 Prof Services/Underwriting Mgr Jan 2019 Fees

13 Valerie Smith 5,297.00 Wellness/Wellness Incentive Program Jan 2019 Fees

14 Louis J. Greco 104.00 Misc/Other Conflict Attorney - Dec 2018

15 4imprint Inc 847.58 Misc/Office Supplies Inv#6916123; jif pens (split)

16 ARC Reprographics 827.58 Misc/Printing Inv#274347 12/6 EO; #274388 Annual reports

17 Capehart & Scatchard, P.A. 189.50 EPL/Cyber Consulting & Training EPL hotline; Inv 607080;part due from buena

18 Connell Consulting LLC 200.00 Police Defense & Training 12/10-12/18; 2 brigantine officers; monmth cnty

19 Iron Mountain 127.66 Misc/Records Retention Service

Inv#AKBE414 Storage 1/1-31/19; Service 11/28-

12/24/18

20 Kizbee's Kitchen 200.00 Misc/Meeting Expense F&B for ACM Claims Review Comm 1/10/19

21 Medlogix 136.20 Misc/Records Retention Service Inv#744458; 4th quarter storage

22 Merighi's Savoy Inn 1,244.82 EPL/Cyber Consulting & Training 12/6/18 EO dinner; split with JIFs

23 Office Depot 72.00 Misc/Office Supplies 'Inv#25337813001; file boxes split

24 North Shore Risk Consulting 15,125.00 15,125.00 Prof Services/Claims Auditor Oct-Nov 2018; onsite visit to QL

25 Pivot Point Security 13,992.10 Contingency 'Inv#3931; Sept-Dec; #3984; Jan

26 Praetorian Digital 19,495.00 EPL/Cyber Consulting & Training Inv#010134-4948; online police training

27 PRIMA 385.00 Misc/AGRIP/PRIMA Annual membership 4/1-3/31/19

28 Borough of Avalon 921.76 Wellness/Wellness Incentive Program Weight loss challenge

29 City of Brigantine 1,894.39 Safety Incentive Program safety clothes and equipment

30 Borough of Buena 600.00 Wellness/Wellness Incentive Program shoprite cards

31 City of Cape May 2,400.00 Safety Incentive Program holiday luncheon

32 City of Cape May 725.00 EPL/Cyber Consulting & Training updated malware

33 Borough of Cape May Point 1,000.00 Optional Safety Budget PW safety clothing

34 Borough of Cape May Point 275.00 Wellness/Wellness Incentive Program GC for organic store

35 Borough of Cape May Point 725.00 EPL/Cyber Consulting & Training offsite backup

36 Commercial Township 696.58 Optional Safety Budget PW safety clothing

37 Commercial Township 1,187.08 Safety Incentive Program safety clothing and luncheon

38 City of Corbin City 464.64 EPL/Cyber Consulting & Training email enhancements

39 City of Corbin City 197.00 Safety Incentive Program Signs for RR park

40 Township of Dennis 1,900.00 Safety Incentive Program Removal of dead tree limbs for safety

41 Township of Dennis 1,250.00 Optional Safety Budget Removal of dead tree limbs for safety

42 Township of Dennis 725.00 EPL/Cyber Consulting & Training Firewall and malware protection

43 Egg Harbor Township 1,000.00 Safety Incentive Program Non-deductible (special recognition lunch)

44 City of Linwood 1,500.00 Optional Safety Budget Safety equipment

45 City of Linwood 2,150.00 Safety Incentive Program Safety equipment

46 Township of Lower 1,527.20 Optional Safety Budget Safety equipment

47 Township of Middle 249.15 Wellness/Wellness Incentive Program Employee incentives for wellness

48 Township of Middle 725.00 EPL/Cyber Consulting & Training employee training for cyber awareness

ATLANTIC COUNTY MUNICIPAL JIF

BILL LIST -JANUARY 2019

261

49 City of Millville 1,500.00 Wellness/Wellness Incentive Program Wellness luncheon; ball; standing desk

50 City of Millville 725.00 EPL/Cyber Consulting & Training Updating employee handbook policies

51 Borough of Newfield 1,000.00 Optional Safety Budget Safety items

52 Borough of Newfield 1,650.00 Safety Incentive Program Safety items

53 City of North Wildwood 259.27 Wellness/Wellness Incentive Program Healthy lunch

54 City of Northfield 1,299.47 Safety Incentive Program Locks for doors at library; safety clothes

55 City of Northfield 28.28 Wellness/Wellness Incentive Program footrest for clerk

56 City of Ocean City 725.00 EPL/Cyber Consulting & Training training for underground storage tanks

57 City of Ocean City 2,500.00 Optional Safety Budget Safety equipment and clothes

58 City of Pleasantville 955.19 Wellness/Wellness Incentive Program Health fair

59 City of Pleasantville 2,279.71 Safety Incentive Program holiday luncheon

60 City of Pleasantville 2,488.75 Optional Safety Budget traffic cones

61 City of Sea Isle City 725.00 EPL/Cyber Consulting & Training malware protection

62 City of Sea Isle City 145.47 Wellness/Wellness Incentive Program mini health fair

63 City of Sea Isle City 1,002.66 Optional Safety Budget Safety supplies

64 City of Sea Isle City 279.69 Safety Incentive Program Safety supplies

65 City of Sea Isle City 332.79 Safety Incentive Program Safety fencing

66 City of Sea Isle City 297.00 Safety Incentive Program Snow plow training

67 City of Sea Isle City 120.10 Safety Incentive Program Rx storage bags

68 City of Somers Point 1,005.20 Safety Incentive Program PW t-shirts

69 City of Somers Point 140.15 Safety Incentive Program Basketballs

70 City of Somers Point 400.00 Safety Incentive Program Wawa cards

71 City of Somers Point 604.65 Safety Incentive Program Hoodies

72 City of Somers Point 1,000.00 Wellness/Wellness Incentive Program Gym memberships

73 Upper Township 299.92 Wellness/Wellness Incentive Program Veggies and fruit

74 Upper Deerfield Township 600.00 Wellness/Wellness Incentive Program Physicals for employees

75 Upper Deerfield Township 725.00 EPL/Cyber Consulting & Training Antispam filter

76 City of Ventnor 1,500.00 Wellness/Wellness Incentive Program Biggest loser contest; down beach health fair

77 Borough of West Wildwood 210.00 Safety Incentive Program GC for safety event

78 Borough of West Wildwood 1,440.00 Safety Incentive Program Safety dinner

79 Weymouth Township 275.00 Wellness/Wellness Incentive Program Wellness event items

80 Weymouth Township 661.54 Safety Incentive Program safety boots and clothing

81 Weymouth Township 1,000.00 Optional Safety Budget Safety supplies

82 Weymouth Township 114.69 Safety Incentive Program Safety supplies

83 Weymouth Township 725.00 EPL/Cyber Consulting & Training Cyber consulting services

84 City of Wildwood 238.00 Optional Safety Budget Bleed control kits

85 City of Wildwood 725.00 EPL/Cyber Consulting & Training Cyber security

86 Borough of Wildwood Crest 2,150.00 Safety Incentive Program Safety dinner with prizes

87 Borough of Wildwood Crest 1,000.00 Wellness/Wellness Incentive Program Wellness fair supplies

88 Borough of Wildwood Crest 725.00 EPL/Cyber Consulting & Training Firewall and malware protection

89 MEL JIF 250.00 MEL Reimbursement for error in online WW EO check

Subtotals 208,689.58 67,153.06 38,838.46

262

ACMJIF

ACCOUNT ACTIVITY RECONCILIATION

FY 2018

Year To Date

January February March April May June July JULY-JE August September October November December Total

Opening Balance for the Period: 54,318,153.33 52,814,276.22 52,723,544.25 51,532,990.55 50,134,079.68 52,934,944.20 51,283,861.25 51,494,417.27 51,494,417.27 54,011,825.51 52,950,271.48 53,330,922.05 56,038,848.34RECEIPTS:

Interest Income ( Cash ) (93,658.90) 23,564.34 82,112.25 (44,665.18) 139,759.15 33,062.57 73,458.68 (16,384.38) 141,572.69 -16,184.12 83,433.13 116,520.89 304,869.64 827,460.76Premium Assessment Receipts 327,671.00 2,978,336.00 7,806.00 1,667,305.00 3,876,427.00 - 1,462,643.00 4,153,923.00 1,469,402.00 4,174,460.00 -1,450.00 20,116,523.00

Prior Yr. Premium Assessment Receipts 11,068.00 11,068.00Subrogation & Reimb. Receipts:

Fund Year 2018 - 600.00 5,492.40 12,969.75 16,873.62 8,294.68 4,390.00 6,059.39 17,608.87 8,901.10 81,189.81Fund Year 2017 6,895.85 14,471.11 2,700.40 12,289.06 15,115.90 4,701.02 4,812.96 1,862.00 596.00 2,683.00 994.00 8,609.87 75,731.17Fund Year 2016 - 2,444.00 40,530.51 30,249.71 50.00 1,110.00 50.00 50.00 50.00 0.00 50.00 100,437.00 175,021.22Fund Year 2015 50.00 100.00 548.00 58.00 219.41 35,075.00 25.00 75.00 3,672.37 48.00 50.00 39,920.78Fund Year 2014 50.00 5,050.00 - 100.00 50.00 50.00 0.00 50.00 45,000.00 163.00 50,513.00

RECEIPT NOT POSTED IN REPORTS 50.00 -50.00 0.00Closed Fund Year 149.87 19.74 194.87 912.00 149.74 9.87 119.87 189.87 89.87 39.87 159.87 99.87 2,135.31

Total Subrogation & Reimb.Receipts 7,145.72 22,084.85 43,425.78 44,598.77 20,966.04 19,060.05 56,931.45 - 10,471.55 5,200.87 12,554.63 63,810.74 118,260.84 424,511.29Reimbursement from member on defense 15,000.00 15,000.00

Middle Fire District #1 Application Fee 750.00 750.00Newfield Delinquent Interest Penalty 174.66 174.66

Absecon Retrospective Payment 9,607.00 9,607.00Credit to 2017 Misc/Fidelity 229.00 254.96 483.96

Downe Delinquent Interest Penalty 47.91 47.91MEL CY CLAIMS IN JIF FOR RCF 0.00

MEL RESIDUAL CLAIM FUND 4.25 117,084.90 117,089.15Exp. & Cont. Charges FY 2018 127,025.10 127,025.10

Credit to 2016 contingency 295.00 295.00TOTAL RECEIPTS: 267,225.82 3,034,516.85 133,573.03 1,667,541.46 4,037,156.44 52,122.62 1,593,033.13 -16,384.38 4,432,992.34 -10,688.25 1,682,474.66 4,354,791.63 421,680.48 21,650,035.83

DISBURSEMENTS: Net Claim Payments:

Fund Year 2018 22,075.26 86,309.57 238,012.97 125,116.78 206,731.77 427,779.80 248,257.16 383,955.97 439,963.84 483,466.50 381,765.86 342,667.97 3,386,103.45Fund Year 2017 251,704.15 253,928.25 270,569.00 248,134.62 137,891.95 289,931.25 263,732.01 138,445.10 170,456.10 113,915.78 163,411.71 151,438.56 2,453,558.48Fund Year 2016 89,359.89 111,773.03 99,732.71 83,899.11 140,258.93 88,506.36 82,977.09 326,942.73 122,100.98 271,196.96 421,585.64 113,117.74 1,951,451.17Fund Year 2015 123,582.77 81,290.98 175,273.81 67,948.70 243,530.86 333,046.42 205,346.06 32,516.86 82,226.60 212,289.82 56,589.36 45,403.19 1,659,045.43Fund Year 2014 140,850.11 91,958.00 291,874.53 53,813.14 151,476.04 272,262.82 208,803.09 41,492.89 33,848.01 32,766.08 45,301.96 58,846.74 1,423,293.41

Void close year check -689.00 -689.00CLOSE YEAR DIVIDENT 0.00

Closed Fund Year: FROM CIR_ACM FILE 465.00 1,062.95 10.25 150.00 1,688.20Total Net Claim Payments 627,572.18 625,259.83 1,075,928.02 578,912.35 880,952.50 1,411,526.65 1,009,115.41 - 923,363.80 847,906.53 1,113,785.14 1,068,654.53 711,474.20 10,874,451.14Exp.& Admin Bill List Payments:

Exp. & Cont. Charges FY 2018 185,391.25 2,473,003.21 221,965.74 2,401,238.52 355,339.42 240,258.93 367,674.72 989,610.34 197,559.27 188,038.95 401,067.40 962,758.36 8,983,906.11Exp. & Cont. Charges FY 2017 937,550.21 12,649.63 26,233.00 14,055.00 13,420.00 225.00 2,609.97 5,400.00 8,859.41 6,337.60 1,027,339.82Exp. & Cont. Charges FY 2016 15,138.09 14,336.17 38,000.00 67,474.26Exp. & Cont. Charges FY 2015 0.00

0.00Management Fee-Wilmington Trust 5,451.26 5,471.22 5,462.01 (16,384.49) 0.00Closed Year:Buena Vista Township 19,289.00 19,289.00

Closed Year:Egg Harbor City 46,931.00 46,931.00Closed Year:Port Republic 551.00 551.00

Closed Year Payment/MADARA/ADJ. REGISTER 4.25 4.25CLOSE YEAR DIVIDEND 168,284.00 97,859.17 266,143.17

MISC:ROUNDING (0.06) (0.02) (0.03) (0.01) (0.01) (0.03) 0.11 -0.01 -0.02 0.04 -0.04Total Bill List Payments 1,143,530.75 2,499,988.99 248,198.71 2,487,539.98 355,339.42 291,678.92 373,361.70 (16,384.38) 992,220.30 202,959.25 188,038.95 578,210.81 1,066,955.17 10,411,638.57

Auditor's Adjustments 0.00TOTAL DISBURSEMENTS: 1,771,102.93 3,125,248.82 1,324,126.73 3,066,452.33 1,236,291.92 1,703,205.57 1,382,477.11 (16,384.38) 1,915,584.10 1,050,865.78 1,301,824.09 1,646,865.34 1,778,429.37 21,286,089.71

Closing Balance for the Period: 52,814,276.22 52,723,544.25 51,532,990.55 50,134,079.68 52,934,944.20 51,283,861.25 51,494,417.27 51,494,417.27 54,011,825.51 52,950,271.48 53,330,922.05 56,038,848.34 54,682,099.45

INVESTORS Account Net Cash Change During the Period:

Loss Account (1,762,975.47) 223,887.66 (687,566.05) (1,509,044.00) 2,552,515.35 (1,779,626.15) 113,914.76 2,315,375.81 -683,188.25 429,184.63 2,180,978.80 -1,675,349.05 -281,891.96Investment Account (157,043.50) 297,031.00 49,100.50 (83,278.50) 80,985.50 (8,054.50) (5,029,261.50) 5,156,414.25 6,543.42 49,852.11 -933,403.00 1,178,793.89 607,679.67

TD Wealth Management Account 47,368.03 (283,215.15) 23,839.87 23,903.78 48,316.17 (194,869.26) 5,085,692.78 -5,028,399.82 -37,002.67 17,641.22 1,032,312.50 -893,732.67 -158,145.22Exp & Contin Reconciliation Account - - 0.00 0.00 0.00 0.00

Claims Imprest Reconciliation Account 368,773.83 (328,435.48) (575,928.02) 169,507.85 119,047.50 331,466.96 40,209.98 74,018.00 -347,906.53 -116,027.39 428,037.99 33,538.94 196,303.63Total Change in Account Net Cash: (1,503,877.11) (90,731.97) (1,190,553.70) (1,398,910.87) 2,800,864.52 (1,651,082.95) 210,556.02 2,517,408.24 (1,061,554.03) 380,650.57 2,707,926.29 (1,356,748.89) 363,946.12

Proof: 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

file:\\C:\Users\kkristie\AppData\Local\Microsoft\Windows\Temporary Internet Files\Content.Outlook\PZCSRXEF\ACM RECONCILIATION REPORT 2018\2018 1/9/2019

264

dividend Transfer dividend

AELCF:FY 2018 release as of: from release-2018

AELCF: 12/31/2017 INTEREST 12/31/2017 2017 DIVIDEND 1/31/2018 2/28/2018 3/31/2018 4/30/2018 5/31/2018 6/30/2018 7/31/2018 8/31/2018 9/30/2018 10/31/2018 2018 11/30/2018 former Dec 12/31/2018

MEMBERS

Hamilton Township 40,260.38$ 196.00$ 40,456.38$ 10,000.00$ 50,456.38$ 50,456.38$ 50,456.38$ 50,456.38$ 50,456.38$ 50,456.38$ 50,456.38$ 50,456.38$ 50,456.38$ 50,456.38$ 10,000.00$ 60,456.38$ 60,456.38$

Hammonton 124,780.06$ 510.00$ 125,290.06$ 125,290.06$ 125,290.06$ 125,290.06$ 125,290.06$ 125,290.06$ 125,290.06$ 125,290.06$ 125,290.06$ 125,290.06$ 125,290.06$ 125,290.06$ 91,377.00$ 216,667.06$

Middle Township 75,342.72$ 271.00$ 75,613.72$ 75,613.72$ 75,613.72$ 75,613.72$ 75,613.72$ 75,613.72$ 75,613.72$ 75,613.72$ 75,613.72$ 75,613.72$ 75,613.72$ 25,000.00$ 100,613.72$ 100,613.72$

Mullica Township 25,802.00$ 128.00$ 25,930.00$ 25,930.00$ 25,930.00$ 25,930.00$ 25,930.00$ 25,930.00$ 25,930.00$ 25,930.00$ 25,930.00$ 25,930.00$ 25,930.00$ 25,930.00$ 25,930.00$

Northfield 56,113.00$ 56,113.00$ 56,113.00$

Pleasantville -$ 472.00$ 472.00$ 472.00$ 472.00$ 472.00$ 472.00$ 472.00$ 472.00$ 472.00$ 472.00$ 472.00$ 472.00$ 472.00$ 472.00$

Upper Deerfield 47,068.55$ 168.00$ 47,236.55$ 47,236.55$ 47,236.55$ 47,236.55$ 47,236.55$ 47,236.55$ 47,236.55$ 47,236.55$ 47,236.55$ 47,236.55$ 47,236.55$ 13,500.00$ 60,736.55$ 60,736.55$

Waterford 26,026.04$ 129.00$ 26,155.04$ 26,155.04$ 26,155.04$ 26,155.04$ 26,155.04$ 26,155.04$ 26,155.04$ 26,155.04$ 26,155.04$ 26,155.04$ 26,155.04$ 26,155.04$ 26,155.04$

Upper Township 60,790.68$ 127.00$ 60,917.68$ 60,917.68$ 60,917.68$ 60,917.68$ 60,917.68$ 60,917.68$ 60,917.68$ 60,917.68$ 60,917.68$ 60,917.68$ 60,917.68$ 60,917.68$ (3,398.17)$ 57,519.51$

Stone Harbor 8,755.70$ 43.00$ 8,798.70$ 8,798.70$ 8,798.70$ 8,798.70$ 8,798.70$ 8,798.70$ 8,798.70$ 8,798.70$ 8,798.70$ 8,798.70$ 8,798.70$ 8,798.70$ 8,798.70$

408,826.13$ 2,044.00$ 410,870.13$ 10,000.00$ 420,870.13$ 420,870.13$ 420,870.13$ 420,870.13$ 420,870.13$ 420,870.13$ 420,870.13$ 420,870.13$ 420,870.13$ 420,870.13$ 104,613.00$ 525,483.13$ 91,377.00$ (3,398.17)$ 613,461.96$

dividend Transfer

PAID release to

2017 DIVIDENDS-former members1/1/2018 2/28/2018 3/31/2018 APRIL, 2018 4/30/2018 5/31/2018 6/30/2018 7/31/2018 8/31/2018 9/30/2018 10/31/2018 2018 11/30/2018 AELCF 12/31/2018

BUENA VISTA 19,289.00$ 19,289.00$ 19,289.00$ (19,289.00)$ -$ -$ -$ -$ -$ -$ -$ 16,282.00$ 16,282.00$ 16,282.00$

EGG HARBOR CITY 46,931.00$ 46,931.00$ 46,931.00$ (46,931.00)$ -$ -$ -$ -$ -$ -$ -$ 40,952.00$ 40,952.00$ 40,952.00$

HAMMONTON 91,377.00$ 91,377.00$ 91,377.00$ 91,377.00$ 91,377.00$ 91,377.00$ 91,377.00$ 91,377.00$ 91,377.00$ 91,377.00$ 99,089.00$ 190,466.00$ (91,377.00)$ 99,089.00$

PORT REPUBLIC 551.00$ 551.00$ 551.00$ (551.00)$ -$ -$ -$ -$ -$ -$ -$ 747.00$ 747.00$ 747.00$

158,148.00$ 158,148.00$ 158,148.00$ (66,771.00)$ 91,377.00$ 91,377.00$ 91,377.00$ 91,377.00$ 91,377.00$ 91,377.00$ 91,377.00$ 157,070.00$ 248,447.00$ (91,377.00)$ 157,070.00$

THIS SCHEDULE IS FOR MEMO INFORMATION ONLY/UPDATED THROUGHOUT YEAR

RETRO PROGRAM

FISCAL YEAR 2011 2012 2013 SUBJECT TO CHANGE & AUDIT

EGG HARBOR TOWNSHIP

BALANCE 12/31/2016 112,335.60$ 33,055.50$

2017 INVOICED 86,963.00$

2017 AUDIT ADJUSTMENT (1.00)$

2017 DIVIDEND APPLIED (37,445.20)$ (11,018.50)$ (21,740.75)$ (70,204.45)$ 2017 DIVIDEND APPLIED

2018 DIVIDEND APPLIED (37,445.20)$ (11,018.50)$ (21,740.75)$ (70,204.45)$ 2018 DIVIDEND APPLIED

BALANCE 12/31/2018 37,444.20$ 11,018.50$ 43,481.50$

ABSECON

BALANCE 12/31/2016

2017 INVOICED 9,607.48$ due 2/28/18

PAID:FEB, 2018 9,607.00$

ADJUSTMENT (0.48)$

BALANCE 11/30/2018 (0.00)$

FILE://C:\Users\kkristie\AppData\Local\Microsoft\Windows\Temporary Internet Files\Content.Outlook\PZCSRXEF\AELCF DECEMBER 2018 265