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Lnr`cinsur` Attnrd`y Vrnc`hur`s Jaduai mdt`rdai us` ndiy Vak` 1Xbms ms mdt`dh`h ndiy lnr prmvmi`k`h cndlmh`dtmai us`

[`iis Larkn Bnj` Jnrtkak`

Lnr`cinsur` Attnrd`y Vrnc`hur` Jaduai, \`rsmnd 1Status7 _`vmsmnd 3

Nrmkmdatmnd Hat`7 11/6=/?611

Hat` Iast Vuoimsb`h7 6?/?8/?61?

Vurpns`

Vr`-Mdtrnhuctmnd

[` ase tbat ynu sbar` tbms jaduai wmtbmd ynur nllmc`, mdciuhmdk tbns` wbn jay dnt o` hmr`ctiymdvniv`h, tn `hucat` ynur stall nd tb` Lnr`cinsur` prnkraj

Bmkb I`v`i H`scrmptmnd nl Vrnc`ss

H`imdqu`dt inads wmii o` r`l`rr`h tn tb` attnrd`y ndc` s`t up md tb` Lnr`cinsur` [nrestatmnd alt`r tb` `xpmratmnd nl tb`h`jadh. Xb` attnrd`y wmii o` badhimdk tb`s` inads lrnj _`l`rrai tn Sai`/Cndlmrjatmnd/_`h`jptmnd. Xb` assmkd`h[`iis Larkn imamsnd wmii assmst tb` attnrd`y wmtb ady mssu`s tbat arms` nutsmh` nl tb` dnrjai prnc`ss adh r`vm`w auhmt

r`suits.

Ppnd cnjpi`tmnd nl tb` r`qumr`h hncuj`dtatmnd, tb` attnrd`y wmii o` autbnrmz`h tn lmi` tb` Lnr`cinsur` Dntmc`, e``p[`iis Larkn up tn hat`, adh ahhr`ss nog`ctmnds tn tb` Lnr`cinsur` wmtbnut inad i`v`i apprnvai udh`r `staoimsb`htmj`lraj`s/kumh`imd`s. Ady nv`r-aiinwaoi` nr bnuriy l`` r`qu`sts dnt imst`h md tb` pr`-apprnvai lnrj wmii r`qumr` inadi`v`i apprnvai lrnj [`iis Larkn.

Ml tb` attnrd`y r`c`mv`s dntmc` nl ad ahv`rsary, imtmkatmnd mssu`, jntmnd lnr sadctmnds, nr ady mssu` tb` attnrd`y caddntcnjpi`t` md a tmj` jadd`r tmj`iy nr ady mssu` tbat wmii caus` a h`iay md tb` tmj`iy `x`cutmnd nl tb` sai`, r`l`r tn tb`Imtmkatmnds`ctmnd nl tbms jaduai. [`iis Larkn wmii prnvmh` lurtb`r mdstructmnd upnd r`c`mpt nl tb` cnjjudmcatmnd lrnjtb` attnrd`y. Xb` attnrd`y wmii aisn o` r`qumr`h tn r`c`mv` autbnrmzatmnd lnr aii nv`r-aiinwaoi` l``s adh cnsts as w`ii asbnuriy omiimdk r`qu`sts lnr mt`js dnt cnv`r`h oy tb` pr`-apprnvai lnrj.

Ml tb` jnrtkaknr cndtacts tb` attnrd`y, adh tb` attnrd`y ms udaoi` tn adsw`r, tb` custnj`r sbnuih o` hmr`ct`h tn tb`apprnprmat` custnj`r s`rvmc` dujo`r imst`h o`inw. At dn tmj` sbnuih tb` [`iis Larkn Imamsnds hmr`ct pbnd`imd` o` prnvmh`h tn nutsmh` partm`s.

[`iis Larkn Bnj` Jnrtkak` Lnr`cinsur` Custnj`r S`rvmc` 1-266-2

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Lnr`cinsur` Attnrd`y Vrnc`hur`s Jaduai mdt`rdai us` ndiy Vak` ?Xbms ms mdt`dh`h ndiy lnr prmvmi`k`h cndlmh`dtmai us`

[ iis Larkn Bnj @qumty / [acbnvma @qumty / [ iis Larkn Lmdadcmai

]nur nllmc` jay r`c`mv` r`l`rrais lnr lmi`s tbat ar` lnr sp`cmaity pnrtlnimns. Xb`s` lnr`cinsur`s sbnuih o`prnc`ss`h lniinwmdk ynur dnrjai prnc`hur`s. HN DNX cndtact ynur imamsnd lnr qu`stmnds nd tb`s` lmi`s. Aiiqu`stmnds adh cnjjudmcatmnd sbnuih o` hmr`ct`h tn tb` prnc`ssnr imst`h md \`dhnrScap`, H`setnp, nr nd tb`LN_1 scr``d md JSV.

H`setnp _ l rrais

As nl Gud`

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Lnr`cinsur` Attnrd`y Vrnc`hur`s Jaduai mdt`rdai us` ndiy Vak` 3Xbms ms mdt`dh`h ndiy lnr prmvmi`k`h cndlmh`dtmai us`

Imamsnd _`spndsmomimtm s ([LBJ)

Notamd Mdv`stnr apprnvai lnr nv`r-aiinwaoi` `xp`ds`s Jndmtnr wnrelinw adh p`rlnrjadc` nl attnrd`y Ahhr`ss ady cnjpimadc` lmdhmdks Assmst wmtb `scaiat`h mssu`s Att`dh jndtbiy Attnrd`y Caii Xn h`t`rjmd` o`d`lmcmary v`stmdk mdlnrjatmnd acc`ss Mdv`stnr Jatrmx nr _LC Jatrmx at

bttp7//s`rvmcmdk.wlbj.bnj`st`ah.w`iislarkn.cnj/lnr`cinsur`/imdes.asp.

Lnr`cinsur Sp`cmai X`ajs _`spndsmomimtm s ([LBJ)

Vr`par` aii r`mdstat`j`dt lmkur`s nd `xc`ptmnd inads wb`r` lmkur`s caddnt o` nrh`r`h tbrnukb\`dhnrScap` nr H`setnp

Vr`par` aii paynll lmkur`s nd `xc`ptmnd inads wb`r` lmkur`s caddnt o` nrh`r`h tbrnukb \`dhnrScap`nr H`setnp

Vrnvmh` jndtbiy uphat`s tn Mdv`stnr/Mdsur`rs (HMJA) Vrnvmh` omhhmdk Mdstructmnds (`xc`pt nd LBA adh LBIJC H`smkdat`h inads-attnrd`y

r`spndsmomimty)

Cndv`dtmndai Inads prnvmh` Vrmvat` Mdv`stnrs wmtb sai`s r`suits wmtbmd ?8 bnurs nl sai` varmnuslnrjs utmimz`h (HMJA)

LDJA/LBIJC prnvmh` sai`s r suits tbrnukb Jmhad`t/BSSD. @dsur` accuracy nl aii stnps adh

cnhmdk adh rnut` cnjpi`t`h lnr`cinsur`s tn _@N/Ciamjs Cnjpi`tmnd nl 16==(a) Casb appimcatmnd adh prnc`ssmdk Hncuj`dt pr`paratmnd adh x`cutmnd prnvmh` attnrd`y wmtb ady d`c`ssary hncuj`dts adh x`cut`

ady d`c`ssary hncuj`dts, sucb as allmhavmts, `tc. (S`` @x`cutaoi`s) _`vm`w nl r`pnrt nl inads md wbmcb 1

stI`kai ms apprnacbmdk nr past tmj`lraj`s adh cndtact attnrd`y lnr

status. (S`` Lmrst I`kai Actmnd)

Attnrd`y _`spndsmomimtm s

Jadak` aii inads hurmdk tb` lnr`cinsur` actmnd tn prnt`ct [`iis Larkn's o`st mdt`r`st adh ai`rt [`iisLarkn's jadak`j`dt nl ady pnt`dtmai rmse.

@dsur` lnr`cinsur`s ar` cnjpi`t`h wmtbmd mdv`stnr adh stat` kumh`imd`s. Jadak`j`dt nl a lnr`cinsur` lmi`, `mtb`r pap`r nr `i`ctrndmc. _`tamd`h cnjpi`t` lmi` lnr auhmt purpns`s

lnr a p`rmnh nl 2 y`ars nr stat` r`qumr`j`dt. Mdvniv`s jadak`j`dt nl `i`ctrndmc lmi` nl aii hncuj`dts,wbmcb wnuih r`qumr` mjakmdk, nr a pap`r lmi`. [LBJ wmii dntmly tb` attnrd`y wb`d tn h`strny ady auhmtlmi`. Dn attnrd`y wmii h`strny a lmi` wmtbnut apprnvai lrnj [LBJ h`lauit Cnjpimadc` ar`a.

_`vm`w lnr ady hmll`r`dc`s md tb` prnp`rty adh jamimdk ahhr`ss`s lnr tb` jnrtkaknr adh s`dh aiidntmc`s tn ontb ahhr`ss`s ml r`qumr`h oy ynur stat` kumh`imd`s.

Cndlmrj tb` onrrnw`rs jmimtary status oy r`vm`w nl tb` H`partj`dt nl H l`ds` w`osmt`. Dntmly [`iisLarkn nl aii SC_A Snihm`rs & Saminrs prnt`ct`h inads vma tb` SJC_AFw`iislarkn.cnj.

S`dh H`jadh I`tt`r at ad akr``h prmc`. (S`` _`l`rrais/ H`jadh I`tt`rs) H`t`rjmd` 1st I`kai h`ahimd` adh `dsur` tbat tb` h`ahimd` ms j`t as h`lmd`h oy tb` stat`-i`v`i jatrmx.

Xbms ms lnr LBA lmi`s ndiy.(S`` Lmrst I`kai Actmnd) _`vm`w aii hncuj`dts, mdciuhmdk \`dhnr Mdstructmnds, prnvmh`h md \`dhnrScap` nr H`setnp. Notamd Xmti` _`pnrt tn `dsur` dn tmti` h`l`cts. (S`` Xmti`) Ci`ar aii tmti` h`l`cts/ lmi` ciamj. (S`` Xmti` Mssu`s) Dntmly [`iis Larkn nl ady im`ds tbat jay all`ct nur pnsmtmnd nr nur aomimty tn lnr`cins`. Hn dnt Lnr`cinsur` md tb` daj` nl J@_S. Jndmtnr Susp`ds` ludhs/jae` r`cnjj`dhatmnds tn appiy adh r`sniv`. (S`` Susp`ds`) [nre wmtb tb` Xax ar`a ml w` ar` dntmlm`h nl ady h`imdqu`dt tax`s. (S`` H`imdqu`dt Xax`s (G`nparhmzmdk

Im`d) Jadak`j`dt nl inads o`mdk susp`dh`h, mdciuhmdk inss jmtmkatmnd, hmsast`r ar`a, `tc. (S`` Bnihs) Dntmly [`iis Larkn nl r`c`mpt nl ady oaderuptcy dntmlmcatmnds. (S`` Oaderuptcy) Nrh`r \A appramsai wmtbmd 80 hays nl sai` hat`. (S`` \A Appramsai Nrh`rmdk Vrnc`ss)ww

wStnp

nr`c ins

ur` ra

uhcnj

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Lnr`cinsur` Attnrd`y Vrnc`hur`s Jaduai mdt`rdai us` ndiy Vak` 8Xbms ms mdt`dh`h ndiy lnr prmvmi`k`h cndlmh`dtmai us`

Apprnv` adh suojmt (tbrnukb mci`ar) aii OVN adh appramsai mdvnmc`s tbat w`r` nrh`r`h oy Attnrd`y.(S`` OVN/Appramsai Nrh`rmdk adh Omhhmdk)

S`dh BPH Nccupadcy I`tt`r nd aii stat`s xc`pt XR adh KA. Md tb` v`dt tb` BPH Nccupadcy I`tt`rd``hs tn o` r`-s`dt, tb` attnrd`y wmii s`dh nut i`tt`rs lnr aii stat`s at ad akr``h prmc`.

_`vm`w aii r`qu`sts lnr sai` pnstpnd`j`dts. (S`` Vnstpnd`h Sai`s) [nre wmtb Inss Jmtmkatmnd nd aii sai` pnstpnd`j`dts. (S`` Inss Jmtmkatmnd)

_`vm`w lmi` tn dsur` r`ahy lnr sai` (dn nutstadhmdk mssu s). (S`` Vr`-Sai` Inad _`vm`w (?8 BnursVrmnr tn Sai`) Jadak` mdvaimh sai`s. (S`` _`scmdhmdk Sai`s Vrnc`hur`s) Jadak`j`dt nl `xpmratmnds nl ratmlmcatmnd, r`h`jptmnd adh cndlmrjatmnd hat`s. (S`` Sai`s, Vnst-Sai`

adh Cinsmdk Lmi`) Vrnvmh` sai`s r`suits oy 8pj @SX tb` saj` hay tb` sai` ms b`ih nr, lnr attnrd`ys nd tb` [`st Cnast

wbns` sai`s ar` dnt b`ih udtmi tb` alt`rdnnd, prnvmh` sai`s r`suits oy

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Lnr`cinsur` Attnrd`y Vrnc`hur`s Jaduai mdt`rdai us` ndiy Vak` 0Xbms ms mdt`dh`h ndiy lnr prmvmi`k`h cndlmh`dtmai us`

ANJ Assmkdj`dt nl Jnrtkak`

OVN Orne`r's Vrmc` Npmdmnd

HAV H`lauit accnudts payaoi`

HHL Hydajmc Hat` Lnrj

HNH H`partj`dt nl H`l`ds`

HNS H`lauit Np`ratmnds Suppnrt

LC Lnr`cinsur`

LBA L`h`rai Bnusmdk Ahjmdmstratmnd

LBIJC L`h`rai Bnj` Inad Jnrtkak` Cnrpnratmnd (Lr`hhm` Jac)

LDJA L`h`rai Datmndai Jnrtkak` Assncmatmnd (Laddm` Ja`)

BPH Bnusmdk adh Proad H`v`inpj`dt (P.S. H`partj`dt nl)

IM\ Inad Mjak` \m`w`r

IJ Inss jmtmkatmnd

IDA Inss Dnt` Allmhavmt

J@_S Jnrtkak` @i`ctrndmc _`kmstratmnd Syst`j

JBCX Jadulactur`h Bnj` Cndv`rsmnd X`aj

JM Jnrtkak` Mdsuradc`5 JmcbmkadJmhad`t Jnrtkak` Mdlnrjatmnd Hmr`ct Acc`ss D`twnre

JSG Jntmnd lnr Sujjary Guhkj`dt

_@N _`ai @stat` Nwd`h

SNX Suostmtutmnd nl Xrust``

\A \`t`rads Ahjmdmstratmnd

[LBJ [`iis Larkn Bnj` Jnrtkak`

_`l`r`dc`s

1 LBIJC Kumh`imd`s

? BPH Kumh`imd`s3 Mdv`stnr Kumh`imd`s

8 Stat` r`kuiatnry Kumh`imd`s

0 \A Kumh`imd`s

< [LBJ Kumh`imd`s

Auhmt/Cndtrni/Ousmd`ss Quaimty Assuradc`D/A

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Lnr`cinsur` Attnrd`y Vrnc`hur`s Jaduai mdt`rdai us` ndiy Vak` y:?66

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Lnr`cinsur` Attnrd`y Vrnc`hur`s Jaduai mdt`rdai us` ndiy Vak` 113Xbms ms mdt`dh`h ndiy lnr prmvmi`k`h cndlmh`dtmai us`

App`dhmx K CN Lnr`cinsur` H`l`rj`dt

Cninrahn BO 1?;< Lnr`cinsur` H`l`rj`dt- Aukust 1, ?66=

Attnrd`y Vrnc`hur`s

Xb` d`w iaw, ednwd as tb` Xmj` Nut Omii nr tb` Lnr`cinsur` H`l`rj`dt Omii wmii o` `ll`ctmv` lnr lnr`cinsur`slmi`h alt`r Aukust 1, ?66=. Md sujjary, `imkmoi` onrrnw`rs cad appiy lnr adh jay r`c`mv` a =6-hay h`l`rj`dtnl tb` lnr`cinsur` nd tb`mr prnp`rty ml tb`y quaimly.

Imamsnd _`spndsmomimty

DA

Attnrd`y Vrnc`hur`s

[mtbmd 10 cai`dhar hays nl h`imv`rmdk a cnjpi`t` lnr`cinsur` paceak` tn tb` puoimc trust``, tb` bnih`r nl tb`

mdh`ot`hd`ss just pnst a dntmc` nd tb` prnp`rty ahvmsmdk tb` `imkmoi` onrrnw`r tbat tb`y jay quaimly lnr ah`l`rj`dt.

1. Ml mdt`r`st`h, tb` @imkmoi` Onrrnw`rjust cndtact a BPH-apprnv`h cnuds`inr wmtbmd ?6 cai`dhar haysnl tb` pnstmdk nl tb` sp`cmai dntmc`.

?. Xb` cnuds`inr wmii prnjptiy dntmly tb` bnih`r adh tb`mr attnrd`y tbat b`/sb` bas o``d cndtact`h oy aonrrnw`r. [mtbmd 16 hays nl dntmlmcatmnd oy tb` cnuds`inr, tb` bnih`r just dntmly tb` cnuds`inr mdwrmtmdk nl ad ahhr`ss tn o` us`h lnr payj`dts (as w`ii as `i`ctrndmc payj`dt mdlnrjatmnd).

3. [mtbmd 36 hays nl tb` mdmtmai cndtact wmtb tb` onrrnw`r, tb` cnuds`inr sbaii h`t`rjmd` ml tb` `imkmoi`onrrnw`rquaimlm`slnr tb` h`l`rj`dt. Ad `imkmoi` onrrnw`rms autnjatmcaiiy hmsquaimlm`h ml7a. tb` prnp`rty ms aoadhnd`ho. Krnss wast` bas o``d cnjjmtt`h nd tb` prnp`rtyc. Xb` onrrnw`r ms curr`dtiy md Oaderuptcy nr wmtbmd tb` iast ?8 jndtbs bas r`c`mv`h a hmscbark`

udh`r Cbapt`r ; nl tb` Oaderuptcy Cnh` nr bas r`c`mv`h a hmscbark` udh`r Cbapt`r 13 nl tb`

Oaderuptcy Cnh` md wbmcb tb` onrrnw`r r`c`mv`h a jnhmlmcatmnd nl bms inad.8. Ml tb` cnuds`inr h`t`rjmd`s tbat tb` h`l`rj`dt ms warradt`h, tb` cnuds`inr just c`rtmly tn tb` puoimc

trust`` tb` h`l`rj`dt wmtbmd tb` mdmtmai 36-hay tmj` lraj`. At tbat tmj`, tb` puoimc trust`` wmii piac` tb`lnr`cinsur` nd bnih, dntmly tb` lnr`cinsur` attnrd`y, wmii cadc`i aii puoimcatmnds adh wmii o`kmd tnpnstpnd` tb` lnr`cinsur` sai` w``e tn w``e.

0. Lnr`cinsur` attnrd`y wmii utmimz` tb` j`hmatmnd prnc`hur`s tn piac` tb` lmi` nd bnih lnr =6 hays. (S``j`hmatmnd prnc`hur`s o`inw)

a. Xb` E;8 adh E;0 j`hmatmnd st`ps sbnuih o` piac`h nd tb` inad p`r tb` j`hmatmnd prnc`hur`s.Xbms wmii prnjpt Casb tn acc`pt payj`dts accnrhmdkiy.

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Lnr`cinsur` Attnrd`y Vrnc`hur`s Jaduai mdt`rdai us` ndiy Vak` 118Xbms ms mdt`dh`h ndiy lnr prmvmi`k`h cndlmh`dtmai us`

Cim`dt ;62[`iis Larkn Bnj` Jnrtkak`Attd7 Lnr`cinsur` CasbJAC x?36?-68c1 Bnj` CajpusH`s Jnmd`s, MA 063?2

Cim`dt 16