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IM A III° Illh <br />Page 2 <br />MNB92placed the insurance which is the subject of this letter after consultation with the client and <br />based <br />upon the client's instructions only. Terms of coverage, including limits and deductibles, are based <br />upon information furnished to us by the client, which information we have not independently verified. <br />This letter is issued as a matter of information only and confers no right upon you other than those <br />provided by the policy. This letter does not amend, extend or alter the coverage afforded by the <br />policies described herein. Notwithstanding any requirement, term or condition of any contract or <br />other document with respect to which this letter may be issued or pertain, the insurance afforded by <br />the policy (policies) described herein is subject to all terms, conditions, limitations, exclusions and <br />cancellation provisions and may also be subject to warranties. Limits shown may have been <br />reduced by paid claims. <br />We express no view and assume no liability with respect to the solvency or future ability to pay of <br />any of the insurance companies which have issued the insurance(s). <br />We assume no obligation to advise yourselves of any developments regarding the insurance(s) <br />subsequent to the date hereof. This letter is given on the condition that you forever waive any <br />liability against us based upon the placement of the insurance(s) and/or the statements made herein <br />with the exception only of wilful default, recklessness or fraud. <br />This letter may not be reproduced by you or used for any other purpose without our prior written <br />consent. <br />Yours faithfully <br />On behalf of Marsh Ltd <br />RU Muagmmerd Division <br />REVIEWED��q& /APPROVED BY. <br />A A.. <br />lagWRIMMRisk <br />Management Specialist <br />MARSH&MCLENNAN <br />C 0IlM 14I 11",1 II II!!'i,: <br />