people first. mission always.

Awards, Accomplishments and RecognitionSee the latest in our growing list of individual and corporate achievement, milestones and other stuff we should all take great pride in!

EPIC “Most Outstanding Producer” (M.O.P) Recognition Program We have launched a program to identify and recognize EPIC’s top producers for their acquisition of new business revenue, client retention and their collaboration, mentoring and leadership. Learn more about this program and our 2nd quarter M.O.P Award winners.

“People First” CornerHelp to celebrate the birthdays, anniversaries, weddings, new babies, graduations, and other significant personal milestones of our EPIC “family members” across the company.

EPIC in the CommunityFind inspiring stories and profiles related to corporate and individual giving, volunteerism and advocacy, and the many worthy and wonderful things EPIC’s people do to support their communities and “give back” to a wide range of charitable causes and organizations.

Be Well and Prosper This section is devoted to promoting wellness, personal satisfaction and prosperity. Read on for an update from Director of Human Resources Mary Smith on our new EPIC Wellness Program.

What Our Clients are SayingTestimonials, letters of commendation, compliments and “kudos” all recognizing the client advocacy, professionalism and overall “service excellence” of Team EPIC.

Pictured Left: The Petaluma Marina Center – home to EPIC’s newest office that was opened in June. Welcome Team North Bay!

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Your focal point for EPIC news and informationSummer 2010

Operations UpdateIn this section you will find information on EPIC projects and insurance resources.

The Best Just Keep Getting BetterHere you will find tips on business practices, selling skills, personal effectiveness, team building and legal, legislative and regulatory news related to the insurance business.

Business News and InformationLearn more about a wide range of general business news, including new EPIC team members, acquisitions, organizational changes, promotions and other information of this nature.

EPIC Media SightingsFeatures a summary of recent EPIC media coverage and the value it produces in building our brand and keeping EPIC “top of mind” in the marketplace and insurance industry.

Inside this issue...

• Operations Update• The Best Just Keep Getting Better• Business News and Information• EPIC Media Sightings• Awards, Accomplishments &

Recognition• Most Outstanding Producer (M.O.P)

• “People First” Corner• EPIC in the Community• Be Well and Prosper• What Our Clients are Saying

PLEASE GIVE US YOURIDEAS AND INPUT!

All feedback and suggestions on how we can improve EPICenter are encouraged! Please direct any feedback you have to “editor” Dave Hock.

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Upgrades…

Sagitta was upgraded on July 16. We are now on the most recent release currently in production. Some new functionality – and more to come! Training was provided to all locations, and if you would like a “refresher” or have any questions, please contact Kim Estes at kestes@edgewoodins.com.

CaseTrac was upgraded on July 21. This upgrade included new functionality, as well as streamlining some existing functions. Training webinars were conducted, and if you would like a “refresher” or have any questions, please contact Wendy Strand at wstrand@edgewoodins.com.

MS Office is being upgraded from 2003 to 2007. The San Ramon Program group and EPIC Finance have been upgraded; all Northern California MS Office 2003 users were upgraded the weekend of August 13, and Southern California MS Office 2003 users will be upgraded the weekend of August 20. All of EPIC should be upgraded by the end of August. Training has been scheduled for every location:

San Francisco August 12

San Mateo August 13

San Ramon August 11

LA August 16

Orange August 17

Irvine August 18

Recorded webinars will be available soon on the EPIC intranet for those unable to attend training.

Please contact Karen Ramos at 415.356.3994 or kramos@edgewoodins.com, if you have any questions!

Resources – we have them! Did you know that we have access to…

Advisen Advisen is an online provider with many tools, including policy and demographic benchmarking, large loss cases & actions, prospect information, policy comparisons, and much, much more!

CompLine CompLine is the leading provider of experience rating information and company specific ex-mods (California only).

Marshall Swift Marshall Swift can be accessed through one of these carriers – Fireman’s Fund, Golden Eagle, Travelers.

ModMaster Suite ModMaster Suite provides the ability to do many things, including forecasting property/casualty losses and estimating required reserves (Loss Forecaster), computing, analyzing and presenting workers compensation mods (ModMaster), generating workers compensation loss picks (QuickLossPick), and many other functions.

ReferenceConnect ReferenceConnect is the newest generation of SilverPlume/Sage, which is the insurance industry’s premier provider of aggregated insurance information, accessed through a library that includes rules, rates, and forms from ISO, NCCI, and state bureaus, as well as detailed information from IRMI and Crittenden.

RiskMeter RiskMeter provides information regarding Distance-to-Shore, FEMA Flood Zones, State Windpool Eligibility, Storm Surge and Distance-to-Fault lines for any property in the US. Reports can be generated for a single address or for a list of locations.

Zoomerang Zoomerang is an online survey tool that can be used with/for our clients.

For a full list of the resources available at EPIC, please go to http://intranet.edgewoodins.com/researchtools.aspx. If you would like more information on any of our tools and resources, or if there are tools you think we should have and don’t, please contact Karen Ramos at 415.356.3994 or kramos@edgewoodins.com.

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EPIC has joined forces with Wardrobe for Opportunity (Northern California) and Clothes the Deal (Southern California) to assist low-income job seekers (women and men) in gaining the self-confi dence and self-esteem to fi nd and retain employment. For the month of August, we are doing a business clothing drive at many of our offi ces.

For more informati on on our program and what your offi ce is doing, please contact:

Folsom Rachel Nannini Irvine Sharon Maloney Orange Kathy Lopez San Francisco Natasha McKown San Mateo Sheila Sarriotti San Ramon Zohreh Talebzadeh

For more informati on on these great organizati ons:

Wardrobe for Opportunity www.wardrobe.org Clothes the Deal www.clothesthedeal.org

Q3 2010 — Key Financial Results (through June 2010)

TOTAL REVENUES (excluding unbudgeted producers): 0.9% below budget

Employee Benefi ts 3.9% bett er than budget

Property & Casualty 6.7% below budget

Private Client 7.2% bett er than budget

NEW BUSINESS 32.6% bett er than budget

EBITDA (PROFIT) 5.6% below budget

September 6th — Labor Day — Offi ce ClosedSeptember 1st - September 17th — iCan Wellness Challenge Registrati onSeptember 15th — American Heart Associati on Heart Walk — Redwood City (San Mateo Offi ce)September 17th — Heart Walk — Downtown San Francisco (San Francisco Offi ce)September 19th — Heart Walk — Danville Livery and Mercanti le (San Ramon Offi ce)September 19th — Heart Walk — Coyote Point Park, San Mateo (Men Behaving Loudly)

September 20th — iCan Wellness Challenge Kick-off Breakfast

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A provision in a commercial general liability insurance policy requiring the insurer to “defend the insured against any ‘suit’ seeking … damages” to which the insurance applies includes the duty to defend the insured in proceedings under the Calderon Act. (Clarendon Nat’l Ins. Co. v. StarNet Ins. Co. (2010) 2010 WL 2904995)

FactsCentex Homes (Centex) was the developer of a residenti al development known as Westwood Ranch. Centex hired WSM Transportati on doing business as Sam Hill & Sons, Inc. (Sam Hill) to act as a subcontractor during constructi on. Pursuant to the subcontract, Centex was listed as an additi onal insured on Sam Hill’s general liability policies issued by StarNet Insurance Company (StarNet).

California Civil Code secti on 1375 et seq. – typically referred as the “Calderon Act” – establishes procedural rules and practi ces that a common interest development associati on must follow prior to fi ling a constructi on defect lawsuit against a developer, builder or contractor. The Calderon Act’s stated purpose is to encourage sett lement of constructi on defect disputes and to discourage unnecessary liti gati on.

In 2006, the Westwood Ranch Homeowners Associati on, Inc. (HOA) served a noti ce of commencement of legal proceedings against Centex pursuant to the Calderon Act. The noti ce set forth a list of alleged constructi on defects at the Westwood Ranch development. Centex subsequently incurred legal fees in defending against the Calderon process initi ated by the HOA.

Centex later sued Clarendon Nati onal

Insurance Company (Clarendon), asserti ng that Clarendon had a duty to pay defense costs incurred by Centex in connecti on with the Calderon process initi ated by the HOA. Clarendon fi led a cross-complaint against StarNet, asserti ng that StarNet also had a duty to contribute toward defense costs incurred by Centex during the Calderon process. StarNet denied liability under its policies, claiming that the Calderon process did not qualify as a “suit” within the meaning of the StarNet policies.

The trial court entered judgment in favor of Clarendon, fi nding that the Calderon process against Centex was a “suit” within the meaning of the StarNet policies, and that StarNet thus had a duty to defend Centex during the Calderon process. StarNet appealed.

Holding The Court of Appeal affi rmed. The appellate court noted that under the StarNet policies, StarNet agreed to indemnify an insured against damages because of covered bodily injury or property damage, and to defend an insured against any “suit” seeking such damages. The StarNet policies then defi ned a “suit” so as to include “a civil proceeding in which damages because of ‘bodily injury’ [or] ‘property damage’ … to which this insurance applies are alleged.”

According to the appellate court, the Calderon process qualifi ed as a “civil proceeding” within the meaning of the StarNet policies’ defi niti on of “suit”. The court emphasized that the Calderon Act requires a common interest development associati on to sati sfy certain dispute resoluti on requirements with respect to the builder, developer, or general

contractor before the associati on may fi le a complaint in court for constructi on or design defects. The court reasoned that although the Calderon Process occurs before a complaint is fi led and itself does not result in a judgment or court-ordered payment of money, the Calderon process is nevertheless an “integral part of constructi on defect liti gati on initi ated by a common interest development associati on.” The Calderon process was thus a “suit.” As such, StarNet was obligated to contribute toward the defense costs Centex had incurred in defending against the Calderon process initi ated by the HOA.

CommentIn Foster-Gardner, Inc. v. Nati onal Union Fire Insurance Company (1998) 18 Cal.4th 857, the California Supreme Court held that where a policy does not defi ne the term “suit,” the term “suit” will be construed to mean “a court proceeding initi ated by the fi ling of a complaint.” However, in the present case, the policy defi ned the term “suit” so as to include “a civil proceeding” in which covered damages are asserted. Thus, according to the Court of Appeal, under the subject policy, the term “suit” meant something more than a proceeding initi ated by the fi ling of a complaint. Applying the “literal meaning” approach to policy interpretati on used by the Supreme Court in Foster-Gardner, the Court of Appeal held the Calderon process is a “civil proceeding” within the meaning of the current standard-form CGL policy.

Duty To Defend "Suit" Includes Duty to Defend Proceedings Under Calderon ActBy Dan Crawford

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EPIC Adds Tina Brink As Senior Account Executive, June 7, 2010As a senior account executive at EPIC, Tina’s responsibilities will include providing clients with strategic planning and program design support, ensuring the quality, timeliness and accuracy of all deliverables, developing employee benefit communication programs, and managing client service team resources.

EPIC Adds Lori Perry as Senior Account Executive in San Francisco, June 8, 2010As a senior account executive at EPIC, Lori will specialize in the waste hauling and recycling industries. Her current clients include some of the largest waste haulers in the Bay Area and Lori will be responsible for developing, marketing and managing their programs, along with acquiring additional new clients.

EPIC Adds Jim Hilbrant As Producer in Orange Office, June 14, 2010Jim’s responsibilities at EPIC include the acquisition of new business and the design, placement and management of insurance programs for new clients. He will focus on the unique needs of the construction, transportation and manufacturing sectors.

EPIC Adds Cheryl Downey in San Ramon Programs Group, June 16, 2010Cheryl is known nationally as an industry leader in pizza delivery insurance programs. She will focus on the risk management and insurance needs of the pizza restaurant business as a part of the EPIC Programs Group and help to expand the Programs Group’s hospitality industry resources.

EPIC Adds North Bay’s Bill Merget and Mike Ryan as Principals, June 17, 2010Bill and Mike bring to EPIC a combined 35 years of experience in commercial property & casualty insurance and risk management, focused on the needs of North Bay business and industry including wine making, construction, non-profits and the public sector. Bill and Mike will share responsibility for all aspects of EPIC’s growing operations in the North Bay, including strategic planning and management; new business development; strategic market and vendor relationships; and overall client satisfaction.

Sarah Dodge Joins EPIC as Benefits Technology Specialist, July 1, 2010Sarah will be responsible for further building and maintaining EPIC’s client-facing benefits technology infrastructure; identifying and assessing client needs related to technology services and delivering leading and cost effective technology solutions in response to these needs.

EPIC Adds Wade Gordon and Jennifer Heliotes in Petaluma, July 6, 2010Wade joins EPIC as senior account executive. His responsibilities will center on designing, marketing, implementing and managing the risk management and insurance programs for a group of EPIC’s largest North Bay clients, working closely with Petaluma office principals Bill Merget and Mike Ryan.

Jennifer will support the EPIC North Bay team as an account manager, responsible for the day-to-day management and administration of insurance programs and the delivery of client service excellence.

Both Wade and Jennifer have deep ties to the North Bay community and broad experience in commercial property & casualty insurance and risk management.

EPIC Adds Erik Matson as Principal, Strategic Development, July 7, 2010Erik’s strategic development responsibilities will initially center on PowerGuard Specialty Insurance Services – a Managing General Agent and Lloyd’s cover holder specializing in the design and underwriting of unique insurance and risk management solutions for wind, solar and other alternative energy companies.

EPIC Adds Jim Gillette as Principal & SVP in Los Angeles, July 8, 2010Jim’s responsibilities include expanding EPIC’s presence in Los Angeles and designing and managing the placement of insurance and risk management programs for his clients, largely in technology, financial services, real estate, and private equity.

EPIC adds Benefits Consultant Alisa Locricchio in San Francisco, July 8, 2010Alisa’s responsibilities include all aspects of developing and growing business including acquisition of new clients and the design and management of employee benefit programs. She will be based in San Francisco and report to Dana Liedel, managing principal of EPIC’s Employee Benefits Practice.

EPIC adds Diane Browne as Producer and SVP in San Francisco, July 12, 2010Diane’s responsibilities will include all aspects of developing and growing a book of business including the acquisition of new clients and the design, placement and management of insurance and risk management programs. Diane will focus on the unique needs of clients in the Retail, Wholesale, & Manufacturing sectors.

In addition, EPIC warmly welcomes the following new team members:Naida Abel (Oregon), Robin Brooks (San Francisco), Paul Cleveland (Los Angeles), Glenda Craft (San Ramon), Susan Deming (Irvine), Jeff Denison (Irvine), Melanie Edlin (San Francisco), David Goldstein (Irvine), June Ho (San Francisco), Maron Impagliazzo Jr. (San Ramon), Timothy Kane (Irvine), Lorraine Knox (Oregon), Teri Koehler (Petaluma), Brittney Noel (Folsom), Christen O’Neil (San Francisco), Nora Sandoval (Irvine), Nicole Stratton (Folsom), Nicole Upton (San Francisco), Wendy Wong (San Francisco), Sally Yeh (San Ramon), and Catherine Zilliox (Irvine).

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EPIC Adds Three to Staff July 12, 2010

CAT Modeling: Maintain Your Control as They EvolveJune 1, 2010By Bruce F. Norris and Kenyon Hall

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Catastrophe models have evolved signifi cantly in recent years and will conti nue to build accuracy. Knowing and accepti ng this fact will help industry professionals realize that catastrophe modeling is not a perfect science, but it is improving. It is impossible to forecast the next natural disaster or catastrophe, but it is within reach to understand the implicati ons of these risks and be prepared to manage them.

The new 2009 models have been in use for several months, and it is important to review their performance in relati on to industry expectati ons, in parti cular regarding the earthquake peril. From the insurance broker perspecti ve, evaluati ng individual client portf olios, the answer is yes and no.

On an aggregate basis, the professed changes to the loss esti mates seem to track with actual events. However, when focusing on the 250- to 1,000 - year return periods, there are numerous cases where individual portf olio losses are not correct.

Finally, each modeler uses the available informati on from earth scienti sts, geologists and the USGS, among others, diff erently and incorporates this data as they feel appropriate, leading to variances in loss esti mates between modeling fi rms.

Read the enti re arti cle in the “News” secti on of the EPIC Web site at: htt p://www.edgewoodins.com/news/Risk_and_Insurance-CAT_Modeling_Arti cle-June_1_2010.pdf

EPIC (Edgewood Partners Insurance Center), a California-based retail property, casualty and employee benefi ts insurance brokerage, has added North Bay insurance professionals Wade Gordon and Jennifer Heliotes in the company's newest Petaluma, Calif., branch offi ce. Both have deep ti es to the North Bay community and broad experience in commercial property/casualty insurance and risk management. The company also has added Erik Matson as principal, strategic development. He will be based in New Jersey and report directly to EPIC president and co-founder, John Hahn.

Read the enti re arti cle at: htt p://www.insurancejournal.com/news/west/2010/07/12/111410.htm

In disputes regarding damage to cargo transported over land and water, it is important for agents that are placing insurance to protect cargo against physical loss or damage understand the carrier’s limitati on of liability. If the cargo owner, shipper, carrier — and/or their respecti ve insurers, agents and brokers — misunderstand the rules surrounding applicati on of limitati on of liability provisions contained in the various bills of lading pertaining to the cargo, it could result in a miscalculati on in the amount of recovery obtainable against the carrier. It may even lead to the failure to obtain adequate insurance to cover physical damage

losses occurring during transport.

Confusion and misunderstanding are common in this area of law. It is so prevalent, in fact, that the U.S. Supreme Court was called upon recently in Norfolk Southern Railroad Company v. Kirby to provide clear rules for trial courts throughout the country. The case dealt with which law and limitati on of liability rules to apply when the method of transport is “multi -modal” involving a combinati on of ocean vessels, railroad or motor carrier over land and sea.

Parti es involved in overseas shipments must be alert that the liability of the carrier may be limited

to modest amounts as prescribed under mariti me law, even if the incident occurs inland. The Kirby decision demonstrates in matt ers of ocean carriage, mariti me law takes precedence. This may impact the ability to recover compensati on for damages occurring during the inland transportati on part of the multi -modal journey.

Read the enti re arti cle in the “News” secti on of the EPIC Web site at: htt p://www.edgewoodins.com/news/EPIC_May_2010_Ins_Journal_Marine_Byline.pdf

Trains, Ships and TrucksMaritime Law May Limit Compensation for Cargo Damages During the Inland Transportation Part of a Journey That Originated Overseas.May 17, 2010By Dan Crawford

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PowerGuard Updates Wind, Solar Energy Warranty ProductMay 24, 2010

PowerGuard Specialty Insurance Services—a managing general agent and Lloyds cover holder specializing in wind and solar energy industries—has released its second generati on PowerCLIP Warranty program.

In additi on to transferring risk, the PowerCLIP warranty soluti on strengthens balance sheets, improves fi nancial results and drives new sales opportuniti es to the solar and wind energy companies that uti lize it, the company says. Once in place, it provides immediate, non-cancellable protecti on with insurance companies carrying an AM Best Rati ng of A.

"Alternati ve energy companies were hit parti cularly hard by the economic and banking recession of the last several years," said Mike McMullen, PowerGuard's managing principal. "Warranty issues were at the heart of the lending and capital acquisiti on challenges faced by wind and solar energy companies and their investors."

In additi on to the proprietary warranty soluti on, PowerGuard has also entered into a marketi ng alliance with Charti s Global Marine and Energy. The PowerGuard/Charti s partnership can provide up to $500 million in property capacity.

Source: PowerGuard Specialty Insurance Services

Find this arti cle at:htt p://www.insurancejournal.com/news/nati onal/2010/05/24/110085.htm

People on the MoveAs of June 25, 2010Tina Brink in Folsom, Cheryl Downey in San Ramon, Jim Hilbrant in Orange, Bill Merget in Petaluma, Lori Perry in San Francisco and Mike Ryan in Petaluma were all menti oned in the “People on the Move” secti on of today’s Advisen “Front Page News.”

Edgewood Partners Insurance Center, the San Mateo-based insurance brokerage bett er known as EPIC, has added seven executi ves and brokers in a number of locati ons in recent weeks, maintaining its fast growth rate during slow ti mes.

The fl urry of new staff ers at the three-year-old fi rm includes North Bay insurance veterans and new EPIC principals Bill Merget and Mike Ryan, who last week opened a Petaluma offi ce for the brokerage. Merget and Ryan were previously with ABD Insurance & Financial Services, now part of Wells Fargo Insurance Services Inc.

In additi on, EPIC added Senior Vice President Cheryl Downey in its San Ramon-based programs group. She previously founded Summit Risk Management, which specialized in providing insurance and risk management services to pizza restaurants nati onwide.

Other arrivals in the last month include:

Tina Brink, a senior account executi ve in EPIC’s Folsom offi ce, near Sacramento.

Lori Perry, a senior account executi ve in its San Francisco offi ce who specializes in the waste and recycling industries.

Sarah Dodge, a benefi ts technology specialist in San Francisco.

EPIC now has California offi ces in San Francisco, San Mateo, San Ramon, Folsom, Los Angeles, Orange and Irvine, along with outposts in Balti more and Atlanta. Offi cials say its $60 million in annual revenues place the fi rm in the top 50 retail brokerages nati onwide.

EPIC, launched in 2007 by co-founders Dan Francis and John Hahn, acquired Oakland’s VRT Insurance Services in February of last year, and nabbed San Francisco’s Metro/Risk Inc. brokerage last August, roughly doubling its billings.

With the new arrivals, EPIC now boasts 275 employees.

EPIC hires key executives as part of ongoing growth tear Friday, July 9, 2010 By Chris Rauber

EPIC’s People in the News

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n EPIC Irvine Producer Major Kent Briggs, USMC (reti red) was recognized in Afghanistan in April 2010 with a mission fl own in his honor by Squadron VMAQ-1. “The Banshees” Squadron is based in Cherry Point, North Carolina and the fl ag that was fl own on the aircraft below (a “Prowler” used by the Marines to locate radar sites) was given to Major Briggs to commemorate the event. The request to honor Major Briggs in this way was submitt ed by Sergeant Major Bernard Coleman, whose wife is a former Irvine employee.

Exceptional Team Player Award WinnersCongratulati ons to this quarter’s “Excepti onal Team Player Award” winners! From the 35 deserving nominees, it was determined by the awards committ ee (John Hahn, Dan Francis, Mary Smith, Sheila Sariotti , Karen Ramos, Nancy Koeser and Frani Smith) that the following 6 individuals best exemplifi ed the criteria of Extratrodinary, Promotes, Initi ati ve, Commitment. Also taken into considerati on was total number of ti mes these individuals have been nominated in the past – a testi mony to their commitment and consistency! Kudos and thanks to Carol, Cynthia, Deb, Karen, Shanna, and Sheryl! Very nice going, ladies.

Sheryl Van Maren — FolsomShanna Niemela — IrvineDeb Bailey — OrangeCynthia Dixon — San FranciscoKaren Ramos — San FranciscoCarol Cohn — San Ramon

People on the Move!Whitney Wilson in Folsom received a well deserved promoti on to Account Executi ve in early June.

Congratulati ons Whitney!

Professional Designati on EarnedDennis Tumminia has earned the Professional Health Insurance Advanced Studies (PHIAS) designati on aft er completi ng the Health Insurance Advanced Studies curriculum. The PHIAS program is designed for experienced health insurance industry professionals who are focused on gaining a deeper knowledge of how various topics work together in an evolving health care system.

Personal Record Shatt eredOn July 16th, 2010, James Macnair, of the New Business Development team, ti ed a department record of 12 appointments set in a single day, surpassing his previous personal best of 11 set last October. “I’ve been

very blessed to have a team member sustain this level of commitment and capability for so long, and I’m confi dent this is just the beginning of the new heights at which James will set the bar!” Said Brad Skrzyniarz, Manager of New Business Development.

M.O.P Designated “Excepti onal Team Players”

As a part of our “Most Outstanding Producer (M.O.P) recogniti on program, each M.O.P Award winner is asked to designate the EPIC team member who had the greatest impact on their success and most contributed to their receiving the award. By virtue of this support, these individuals are automati cally recognized as an EPIC “Excepti onal Team Player.”

Congratulati ons to Lorraine Money in Orange (designated by M.O.P Marty Callahan), San Mateo’s Ivy Lim (designated by M.O.P Tanya Gee) and Laura Malasig (designated by M.O.P John Greenfi eld) for going “above and beyond” in their support of our “Most Outstanding Producers.”

Awesome job, ladies!

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cer“Most Outstanding Producers” for the 2nd Quarter of 2010

EPIC’s quarterly “M.O.P” Awards recognize EPIC’s top producers for their sales excellence, their client retention and their collaboration, mentoring and leadership. We hope that this acknowledgement of our outstanding producers will motivate and encourage all EPIC producers to attain similar levels of success. Congratulations to our 2nd Quarter “Most Outstanding Producers!”

Tanya GeeSan Mateo

John GreenfieldSan Mateo

Marty CallahanOrange

“Excellence is an art won by training and habituation.

We do not act rightly because we have virtue or

excellence, but we rather have those because

we have acted rightly. We are what we repeatedly

do. Excellence, then, is not an act but a habit.”

Tanya Gee led the way in Q2 with new business revenue of $354,000 – a truly outstanding three months by any measure! In addition to her strong general production, Tanya played a major role in brokering the sale of PowerGuard’s solar warranty solution to her client Canadian Solar – one of the PowerGuard team’s first significant installations of their warranty product at a large, global solar products manufacturer. Canadian Solar ultimately purchased 25 years of warranty coverage – a multi-million dollar premium transaction that contributed significantly to EPIC’s new business sales results in April.

Fueled by his team’s outstanding sale of retailer Papyrus, John Greenfield also achieved M.O.P. recognition for his $118,000 of Q2 new business. Despite John’s past relationship with their new CFO, Papyrus proved to be a very challenging, complex sale with a range of political nuances in addition to the usual competitive issues. Success required assembling and deploying a deep and talented EPIC team as well as devising an aggressive strategy to circumvent the politics. The Papyrus win was the cornerstone of an outstanding quarter for John!

Last but certainly not least, Marty Callahan has joined the ranks of EPIC’s “Most Outstanding Producer” Award winners! Marty’s strong 2nd quarter was particularly noteworthy for its breadth and balance. In addition to multiple new business wins totaling $91,000 Marty successfully navigated his heaviest renewal quarter, while also facilitating the cross sell campaign of a large P&C client – leading to a significant new business win for Orange Employee Benefits. Outstanding on multiple fronts!

Terri Ezaki Susan English

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Congratulations to Alexis Ann D’Asaro (daughter of Irvine’s Tony D’Asaro), who graduated from Huntington Beach High School. Alexis maintained a 4.28 GPA while keeping busy with many extra curricular activities such as ASB & charity work. She was a 4 year varsity water polo player and swimmer; 2 year captain. Alexis was team MVP, All league and All CIF in addition to receiving the “most inspirational athlete” award for 2010. She received a scholarship to attend the Nursing School at Arizona State University.

July 26th, was our 3rd Anniversary together at EPICHappy 3rd Quarter “Work-aversaries”!

Ada Chan — 2 yearsAlanna Cortolillo — 2 yearsBill Spitzel — 3 yearsBrian Marx — 1 yearBrian Taleb-Zadeh — 3 yearsCarolyn Conti — 3 yearsCathi Hoenisch — 2 yearsCharlotte Love — 3 yearsCindy Henry — 3 yearsCraig Routson — 1 yearCynthia Dixon — 1 yearDan Francis Sr. — 3 yearsDan Ryan — 3 yearsDarla Valiente — 3 yearsDavid McNeil — 3 yearsDeborah Bailey — 3 yearsDenise Jorgenson — 3 yearsDennis Tumminia — 2 yearsDiamettia Thibodeaux — 3 yearsElaine Andrian — 3 yearsElton Hayes — 3 yearsFrani Smith — 3 yearsGay Jordan — 3 yearsGeraldine Larson — 3 yearsIvy Lim — 1 yearJaimie Kirby — 2 yearsJana Tooley — 1 yearJanet Kuo — 3 yearsJeff Parkhurst — 1 yearJeremy Brown — 1 yearJill Vasquez — 3 yearsJim McKenna — 3 yearsJim Nash — 3 yearsJoan Buckmaster — 3 yearsJoanna Pablo — 2 yearsJohn Greenfield — 3 yearsJohn Hahn Sr. — 3 yearsJonathan Hahn — 1 yearJoyce Bamford — 3 years

Judi Bolanos — 3 yearsKaren Harris — 3 yearsKathy Lopez — 3 yearsLance Dalzell-Piper — 3 yearsLaura Malasig — 3 yearsLinda Shaw — 3 yearsLindsey Dupzyk — 2 yearsLisa Volkov — 3 yearsLorraine Money — 3 yearsLynn Marie Saunders — 3 yearsMarianne Schleicher — 1 yearMarie Crinnion — 1 yearMarie Engstrom — 2 yearsMarty Callahan — 3 yearsMary Smith — 3 yearsMichael Checca — 2 yearsMichael Hatcher — 3 yearsMike Enfield — 1 yearMike McMullen — 3 yearsMike McNulty — 1 yearMike Ray — 3 yearsNancy James — 1 yearNancy Koeser — 3 years Pam Mesias — 3 yearsPhyllis De Spain — 3 yearsRani Sanders — 2 yearsRay Skarzenski — 3 yearsSarah Cox — 3 yearsSharon Sarrouh — 1 yearSheila Sariotti — 3 yearsShirley Armer — 3 yearsSpencer Cooley — 3 yearsSteve Quilao — 3 yearsStewart Risk — 3 yearsSusan Cereghino — 3 yearsTanya Gee — 3 yearsTeri Zanders — 3 yearsValerie Chavez — 3 yearsVan Dang — 3 years

Little Boys Under Construction

Martha Ramos in Folsom and Amy Swift in San Mateo are both expecting little boys.

Martha is due October 10th and Amy is due on November 20th.

Congratulations to both Martha and Amy!

Congratulations to Rani Smith who is now Rani Sanders as she was married on June 23rd to her husband Marc Sanders. We wish you a lifetime of happiness together!

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Making His Mark July 29, 2010, 01:29 AM By Emanuel Lee, Daily Journal Staff

A month ago, Matt Crawford was in a U.S. Junior Amateur qualifying tournament, where he missed the playoff by a single stroke.

“I was heartbroken,” the Redwood City resident said.

Monday, Crawford was on the opposite end of the emotional spectrum. The 17-year-old senior-to-be at the School for Independent Learners in Los Altos qualified for the U.S. Amateur after a stellar performance at Fort Washington Country Club in Fresno.

Battling triple-digit temperatures, Crawford was one of two players out of the 48-player field to qualify to play in the U.S. Amateur late next month at Chambers Bay Golf Links at University Place, Wash.

“I’m still on an emotional high,” Crawford said. “I feel a lot more confident in my game since Monday because the last few tournaments I had I kind of stumbled down the stretch. It was nice to finally put things all together.”

Crawford definitely earned his spot in the U.S. Amateur. While temperatures have been well below average in the Bay Area this summer, the Central Valley has been blistering hot as usual. Crawford teed off at 7:30 a.m. and didn’t finish until 6:50 p.m. After carding rounds of 68-68 to finish at 8-under par, Crawford wasn’t done.

There were still a half-dozen other golfers still on the course who could beat Crawford’s score or tie it, which would’ve forced a playoff. And that’s exactly what happened, as Taylor Travis of Fremont finished at 8-under along with Crawford and Ryan Carter of Stockton. Carter was in the last group to tee off for the second round, so by the time he finished, Crawford had been in the clubhouse for 90 minutes.

“It was nice to have that hour and a half break,” Crawford said. “I carried my own bag and there wasn’t much water around the course. It was very challenging to keep my concentration because you were out there all day.”

In a nice twist, Menlo School senior-to-be Patrick Grimes — the reigning Daily Journal Boys’ Golfer of the Year — caddied for Crawford on the playoff hole (Grimes finished at 4-under to miss the playoff by four strokes) and Crawford played his best when it counted the most.

He recorded four birdies on the back nine of his second round, and needed to two putt from 50 feet on his final hole of regulation to reach 8-under. Playing a four- to five-foot break, Crawford hit his first putt about as well as one could, getting to within a couple of feet for par.

“I had a comfortable two-foot tap in,” he said.

Crawford, Carter and Travis went to hole No. 10 for the playoff, where Crawford and Carter both made par while Travis finished with a bogey. Only the top two from the Fort Washington qualifier were going to advance, so the tournament ended right there with Crawford and Carter as co-medalists. While the saying goes that ties are like kissing your sister, Crawford was downright ecstatic to finish in a tie on this occasion.

Crawford is a rising star. He’s a member of the Olympic Club Golf team and the junior champion at Menlo Country Club. Earlier this year he won a prestigious junior tournament in Alameda, carding

a 71-65 to win by a stroke. The 5-foot-6, 125-pound Crawford is the junior version of 2003 Masters champion Mike Weir. Blessed with a sweet swing, Crawford isn’t long off the tee, but he more than makes up for it by being particularly adept at hitting his short to mid irons.

Crawford is also a solid putter and straight as a zipper off the tee. That’s why, ironically enough, Crawford struggles more on short courses than long ones.

“I don’t hit it very long, but I’m very straight off the tee,” Crawford said. “I’m used to playing long courses because the Olympic Club is about 7,000 yards from the back tees and a very tough course.”

Crawford is also similar to Weir in that he was a standout junior hockey player. In fact, hockey was far and away Crawford’s favorite sport growing up. He was a center on the traveling club team Belmont Rangers, competing in tournaments across the U.S. and Canada. However, when Crawford was 12, he knew if he wanted to pursue a career in hockey, he would have to go to a boarding school in Canada and play in one of the powerhouse junior leagues. Instead, he decided to pursue golf.

“It was one of the toughest decisions of my life,” he said. “I had played both sports all my life and at the time, hockey was by far my favorite sport and most fun thing to do. (The only drawback was) it consumed my life.”

After Monday’s experience, it’s apparent Crawford made a great decision. After finishing the playoff hole, Crawford was trying to grasp the enormity of his accomplishment. Things didn’t fully register until a United State Golf Association official handed him an envelope, which contained all the information he would need to know about the U.S. Amateur.

“That’s when I realized what I had just done,” Crawford said. “And it’s a moment I’ll never forget.”

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Congratulations to EPIC General Counsel Dan Crawford (San Mateo) and son Matt, who recently qualified for golf’s U.S. Amateur Championship! Quite an accomplishment for a 17 year old high school student and we wish Matt very good luck and all the best in the tournament!

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erHappy 3rd Quarter Birthdays!

JulyElton HayesJaimie KirbyKathy Lopez

Karen MacarioLinda BuckleyMark StoneNaida AbelRich HylandRick Sti nson

Sheryl Van MarenShanna Niemela

Tanya GeeTerri Ezaki

Tim CaldwellTony D’AsaroWendy Wong

AugustAmy Swift

Barbara Hilgen Bill SpitzelBrian Marx

Colleen VarnicaDalynn Petermann

Dan Francis Sr.Diametti a Thibodeaux

Jim HilbrantJonathan Hahn Jr.Laurie Phirippidis

Lucy MadaraszMark Berenstein

Pam MesiasRobert Dutt oSteve Quilao

Susan CereghinoSusan Garganera

Toni EricksonTonya BakerWally Brown

SeptemberAlice Nguyen

Amber Ronzitti Charisse BertrandChiara GallowayChristen O’NeillChristi ne RakelaCraig RoutsonDan Crawford

Danielle KappenmanGeraldine Larson

Glenda Craft Jim Nash

Joanna PabloKati e Huddleston

Kim EstesKenyon Hall

Lynn Marie SaundersMarianne Schleicher

Mary KeckMichelle Orton

Patt y MassaSarah Dodge

Siobhan O’LearySofi a OceguedaSuzan Marti nezTammy Thomas

Teri ZandersTim Kensett

Rachel Nannini from the Folsom offi ce and her husband Scott will be celebrating their 10 year wedding anniversary on September 9th. They have a beautiful 6 year old daughter named Grace. Congratulations on your 10 year milestone, Rachel - here’s to a long and happy life together!

{ {Pictured below: Pam Olmo and Allison Paridy feeling a litt le down that the spirit fairy did not noti ce them.

Robin Herman (San Ramon)

became a grandma for the 2nd ti me.

Robin and new grandson Landon

are pictured to the right.

Congrats to our hiking enthusiast, Kati e King, who won the $10 Trader Joe’s gift card in SF. Kati e’s hiking outf it was completed with UV protecti on clothing, hat and sunglasses!

They’ve got SPIRIT,

how ‘bout YOU?

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Bike MSAthena MorrisAthena Morris was invited to parti cipate in organizing the Bike MS Bay to Bay Tour for 2010. Last year she was a parti cipant and this year she is helping to train individuals wanti ng to parti cipate. She’ll be back riding again this year for “Team Jacobito” with a goal to raise more than $10,000. Athena has also been featured in the July 2010 issue of Competi tor magazine.

Heart WalkBruce NorrisWow! “Change Tuesdays” generated $193.39 in the fi rst go around ; David Hock being a major reason for this amount. This does set the bar rather high for future weeks. The change jar will remain at the front desk throughout the week, with Tuesdays being the big push day.

I would now like to take a moment and bring reality to this cause. On this last Sunday my father had a heart att ack and was it not for an anesthesiologist sitti ng behind him in the movie theater Dad may not be with us today. My Dad’s heart had stopped and the anesthesiologist performed CPR unti l the paramedics arrived to restart his heart. On Wednesday he had 5 sti nts installed in his heart. The procedure is called Percutaneous Transluminal

Coronary Angioplasty (PTCA), and gained FDA approval in 1994. Prior to this he would have had to have open heart surgery.

The PTCA took 4 hours and he was able to come home Thursday; one day aft er the procedure and only 5 days aft er his heart att ack. He is doing well and recovering quickly. Research made this procedure possible. Your donati on of coins added $193 to this research eff ort, Thank you!

The heartwalk is not just a fundraiser, it should heighten everyone’s awareness and eff ect positi ve change in the way we live our lives healthier. It struck home with me. It is rather ironic that I was “volunteered” to be a team leader in the heartwalk less than a month ago and now fi nd myself juxtaposed from this volunteered positi on to now having a fi rst hand reality and heightened interest in this cause.

AIDS Walk and Project Open HandMarie Crinnion

We are currently at $13,095 - our all ti me high! Project Open Hand will get 100% of this money we raised. EPIC folks really came forward with great donati ons of both money and items for our aucti on at the fundraiser. We are currently in the #4 positi on and may even break into the Top 3 Fundraisers, which would be a wonderful honor. Friday, August 13th is the last day to submit donati ons for 2010. We were honored at the AIDS Walk by being invited to hold up the fi nal numbers at the end of the walk - see att ached picture. Richie is on the far right holding the 1 and I'm two in from him holding the 5.

Men Behaving Loudly“Men Behaving Loudly” is Dave Hock (guitar/vocals), Michael McCloskey (bass/vocals) and Steve Moore (lead guitar/ vocals). MBL plays an energeti c “get up and dance” set of classic rock covers spanning the past 50 years. The band has been donati ng performances to support the fundraising acti viti es of non-profi t, charitable and community service organizati ons for more than 10 years. Men Behaving Loudly will be supporti ng the Alzheimer’s Associati on (San Francisco Memory Walk on 9/11/10 and Silicon Valley Memory Walk on 9/25/10) and the American Heart Associati on (San Mateo County Heart Walk on 9/19/10) during the month of September. Come on out and join the party! Anyone interested in booking MBL for a similar community service event in Northern California should contact Dave Hock at 650.295.4608 or dhock@edgewoodins.com.

EPIC’s offi ces in San Francisco (Captains Beth Ward and Allison Paridy), San Ramon (Captain Kris Stubbs) and San Mateo (Captain Bruce Norris) are all running spirited and successful campaigns to form teams and raise money to be used in the research and preventi on of our nati on’s number one and number three killers – heart disease and stroke. So far our combined “Team Bay Area” has raised more than $6,000 to support Bay Area Heart Walks! Anyone from other offi ces interested in contributi ng to the eff ort or learning more about the American Heart Associati on’s “Heart Walks” can visit the EPIC company page at: htt p://heartwalkbayarea.kintera.org/faf/teams/groupTeamList.asp?ievent=329122&lis=1&kntae329122=37ADA83175E24AC288125A5EA306F96D&tlteams=3749439

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Join us on an amazing journey in the fi ght to end breast cancer! The Susan G. Komen 3-Day for the Cure is a 60-mile walk over the course of three days.

A group of us were having dinner one night to celebrate the completi on of chemotherapy and radiati on of our good friend (and one's mother) Terri. As we talked about this disease and what we could do to fi ght the fi ght, we decided to take on this walk, in belief that if Terri could go through her treatments with spirit, laughter, and smiles, we could certainly walk for three days! So, here we are...headed for San Diego and 60 miles, Terri included.

Please join us in our 60 mile trek - and if you can't, please wish us well (and, of course, donati ons are always welcome!)

Thank You!Save 2nd Base

THAT’S RIGHT! I WILL RUN MY FIRST MARATHON ON OCTOBER 17, 2010 ON BEHALF OF THE LEUKEMIA & LYMPHOMA SOCIETY (LLS). I’m doing this crazy thing to raise money (yes, this is a request for a donati on) to help fi nd a cure for leukemia, lymphoma, Hodgkin’s disease and myeloma. More importantly, I will run this marathon to honor 2 people who have a special place in my heart.

My friend Mark Brownstein was diagnosed with leukemia 7 years ago. Mark faces the challenge of living with his disease with hope, tenacity and laughter. Mark provides me with an endless supply of inspirati on and the occasional kick in the butt to keep running and raising money

for the LLS. I couldn’t have asked for a bett er mentor, coach, and friend. Thanks to Mark’s support, I completed three 1/2 marathons in the last 12 months! Nutt y, since I just started running 12 months ago.

A super-duper, special thank you to Mark for donati ng $100 per mile for my fi rst marathon. Now I really have to do this darn thing!

Jill Bond is my neighbor. Her year started out rough, to say the least. Jill has 2 beauti ful girls, Ava (4) and Zara (1), and she is the lovely wife to her hilarious husband, James. In February, Jill was diagnosed with stage 4 lymphoma. She has spent 100 days in the hospital since her diagnosis. Jill recently completed her fourth of eight rounds of chemotherapy. Jill’s most recent bone marrow biopsy, taken just a few days ago, showed no evidence of lymphoma! We are thrilled Jill is on her way to a full recovery.

I started my fundraising less than a month ago and to date I have raised over $7,000 for the LLS. The majority of my donati ons have come from members of the McDonald’s Preferred Operator Group (POG). I’m humbled by their support. I get emails and phone calls from various McDonald’s owners checking up on my training. They also like to make sure I’m not drinking any Cosmopolitans. One of my clients, Ross Pollard, ran 12 miles with me while we were in Canada for the annual POG trip. Then he gave me $250 bucks for my run. Nice folks, those McDonald’s owners.

Please make a donati on to benefi t the LLS. Any amount is appreciated. All donati ons are tax deducti ble. Seventy-four percent of all money raised will go toward pati ent services and will fund research to help fi nd a cure for leukemia, lymphoma, Hodgkin’s disease and myeloma.

To make a donati on, visit my Team in Training website: htt p://pages.teamintraining.org/sf/nikesf10/crowe4

Save 2nd Base has raised a team total of $10,060.00 thus far. Each walker must raise $2,300 in order to parti cipate in the walk. No donati on is too small and can help each of these ladies get to their goal and allow them to parti cipate in the walk they have been training for. If you would like to donate to Save 2nd Base you can visit their team page by following the instructi ons below:

1. Go to: htt p://www.the3day.org

2. Click on: “Donate” tab on far right

3. Search Parti cipant: Terri Ezaki4. When the results come up

click on the team name “Save 2nd Base” to get to their team page.

Below are the walkers and what they have raised so far. Way to go ladies!

Karen Ramos $1,090.00 Maren Ezaki $895.00 Terri Ezaki $5,005.00 Michelle Hayes $1,250.00 Rita Rekhtman $750.00 Carmen Valdez $1,070.00

Connie Rowe’s26.2 Mile Adventure for the Leukemia & Lymphoma Society

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Mark and Connie celebrati ng aft er Connie completed her fi rst 1/2 marathon.

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Orange in Motion

The Orange office has expanded their “10-minute Break” from 2 times a week to 5 times a week! Participants vary daily, but everyone who attends thoroughly enjoys learning some light exercise, stretching, and relaxation techniques. Although very busy, the “10-minute Break” gives everyone an opportunity to get away from their desk, laugh a little, and enjoy the camaraderie.

The Star & Stripes Wellness Challenge was a great success, and much thanks to our Trail Leaders, and all the Trailblazers who participated! Also, congratulations to all the winners…both in health and in prizes!

Since we’re all off to a great start, we don’t want to lose the momentum. Yes…you guessed it…. get ready for the next Challenge; “iCan”! This Challenge, also eight weeks, begins September 20th and ends November 17th….right before Thanksgiving. The exciting news? This event will be linked to working with our local food banks. So…. while we’re receiving the benefits of better health, we’re giving back to the Community and those in need for the Thanksgiving Holiday. Stay tuned for details in the coming weeks!

Be well!

Your Wellness Team

August is National Immunization Awareness month, which reminds us that immunizations are important for people of all ages, from infants to seniors. Immunizations help protect you from disease. They also help reduce the spread of disease to others. Most are given as shots. They are sometimes called vaccines, or vaccinations.

The specific vaccinations you need are determined by your age, gender, lifestyle, overall health and previous vaccinations. For instance, Tetanus and diphtheria vaccinations need to be repeated every 10 years in order to keep your immunity.

It is important to make sure you stay up-to-date on your vaccinations. If you are not sure which vaccinations you need, talk to your doctor or call your Health Coach.

{

{Not even a severely broken ankle and the surgery to repair it could keep San Mateo’s Sheila “Scooter” Sarriotti from rolling out in support of EPIC’s wellness initiatives! We are happy to report that Sheila has now ditched the scooter along with her eye catching cast and is back on both feet once again - moving in “leaps and bounds” toward a complete recovery.

What is Wellness?Wellness is sometimes difficult to define, but the important thing to remember is that wellness is far more than just physical health. At the Health and Human Capital Summit hosted by U.S. Preventive Medicine, Tom Parry, President of the Integrated Benefits Institute said, “Wellness is the absence of illness, lack of health risk factors, vitality, energy, engagement, balance of work/life, resilience, meaningful relationships and social connectedness.”

With wellness defined in this way, it’s easy for us to recognize how important the workplace is to the overall wellness of our employees. Since most of us spend at least 1/3 of our lives at work, instilling a culture of prevention and wellness within the workplace is paramount. By encouraging healthy social interactions, respecting our employees’ personal and family time, and providing the right tools, EPIC can continue to significantly contribute to the wellness of our community.

And…..we can’t do it alone. Be it through the EPIC Prevention Plan or through your own personal program, our challenge to you……find the courage to be healthy. Make better choices and adopt behaviors that will improve your health, vitality and productivity in both the short and long term. Remember…better health is the best gift you can give to yourself…..and to those you love.

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From one of our McDonald’s operators to Charisse Bertrand and Dave Smith, in our San Ramon Programs Group.

Charisse and Dave,

Monday was our consultation with Cal OSHA relative to our inclusion on the state watch list for a high mod. Thanks to your help in preparing the paperwork portion of the required information, we impressed the consultant greatly. It was a huge leap of faith to invite a visit from Cal OSHA, but thanks to the work that the POG has done on risk management and the collaborative process between POG, EPIC, DSC and the Owner/Operators, we felt we could demonstrate our dedication to workplace safety and risk avoidance. Between the IIP book, the slip-resistant shoes, the inspection forms and the other work that our Risk Management team has done, including the serendipitous inclusion of our 2010 ex mod that shows a decline of 60 points, the consultant was impressed. I don’t know how many of our other members find themselves wrestling with the consultation process from Cal OSHA, but following the steps we took, we looked very good and received a very positive experience.

Thanks again for your help in getting us ready for this visit.

Tom and Kim

Congratulations and thanks to each one of you (and to every other EPIC team member) for your important and much appreciated personal contributions to building the “EPIC Edge” on a strong, solid foundation of client service excellence!

Here’s an email a customer sent to Holly Miller in our Irvine office thanking her for “going the extra mile” and working on a Sunday night to get his certs out when needed. Great job, Holly!

Good morning Holly,

Yes, the certs in the attachment are good to go.

Thank you for all your attention and hard work regarding this matter. It is truly appreciated.

Working at 7:08 p.m. on a Sunday is never fun!!

Jorge

Suzan Martinez - Irvine Office

Hi Suzan,I am the estimator for Neal on the Raul Perez project. I believe we’ve spoke before. I just wanted to tell you thank you for the quick turnaround on the bid bond. We had no indication that a bid bond would be needed until last Friday when we sent the request out to you. I still don’t know why the GC decided they needed a bid bond for this project. In any case, I was a little worried that it might not get here in time. I was very surprised when it was waiting for me on Monday. Thank you again for the great service!

Dave BarreraEstimating Manager - LA District

Pam Mesias - Orange OfficeKarren Harris - Orange Office

Dear Pam,

I received our insurance policies and I felt I had to give you one last thank you.

In my mind, you, your company and especially Karen Harris are really EPIC!

You’re high quality and of great character and stand high above the rest.

Mike M.

From the Chairman of our McDonald’s Preferred Operator Group to Charisse Bertrand, Director of Risk Management Services in our San Ramon Programs Group – regarding her review and analysis of their Worker’s Compensation Claims TPA and Managed Care Program.

Charisse,

I always regret not seeing your smiling face and attending the POG meetings together. You have a lot to offer and it makes us all better at what we do.

I fully understand and support how you are approaching your work with (program participant). I just want them to know that not only you are watching claims openings/activities/closings, but that these are critical to the chair. I’m always good at giving you the ability to apply extra pressure or not as you see fit. I want you to know that I’ve got your back with (program participant). I just wanted some additional visibility brought to the table to support you, and to have the board have more knowledge.

Look forward to the fall meetings.

Mark