Loading...
The URL can be used to link to this page
Your browser does not support the video tag.
Home
My WebLink
About
ILLUMINATION FOUNDATION (19)
INSURANCE ON FILE WORK MAY PROCEED PIRES A-2021-175 UNTIL INSURANCE IX AGREEMENT WITH THE ILLUMINATION FOUNDATION TO I L I A ERATE A YEAR-ROUND HOMELESS NAVIGATION CENTER CLERK OF COUNCIL AT 1815 CARNEGIE AVENUE IN SANTA ANA DATE ate\ O', GO�k��ueOn) the 7`h day of September, 2021, THIS AGREEMENT was presented to the City Council of the City of Santa Ana, a charter city and municipal corporation organized and existing under cli the Constitution and laws of the State of California ("City"), detailing the terms and conditions N provided below for The Illumination Foundation ("Contractor"), to operate a year-round homeless c� navigation center on behalf of the City at 1815 Carnegie Avenue in Santa Ana. 0 RECITALS A. The City is in the process of constructing a year-round Homeless Navigation Center at 1815 Carnegie Avenue in Santa Ana ("Homeless Navigation Center"). B. Accordingly, the City desires to retain a contractor to administer and operate the Homeless Navigation Center once it is completed and ready to open operations. C. On February 23, 2021, the City released Request for Proposals #21-028 ("RFP") for the operation of the Homeless Navigation Center. A true and correct copy of the RFP is attached hereto as Exhibit A and incorporated herein by reference. D. Contractor has submitted a proposal that was selected by the City for this purpose. Contractor is qualified by experience, preparation, organization, staffing, and management to operate programs on behalf of homeless individuals and is familiar with existing homeless services in the City. E. hi undertaking the performance of this Agreement, Contractor represents that it is knowledgeable in its field and that any services performed by Contractor under this Agreement will be performed in compliance with such standards as may reasonably be expected from a professional contracting firm in the field. NOW THEREFORE, in consideration of the mutual and respective promises, and subject to the terms and conditions hereinafter set forth, the parties agree as follows: 1. SCOPE OF SERVICES a. Contractor shall provide all premises, approvals, facilities, labor, staffing, training, equipment, services, and items (collectively, the "Services") appropriate and necessary to fully and adequately perform, and shall perform, the Scope of Services established for the Homeless Navigation Center as described in Contractor's proposal to the City attached hereto as Exhibit B and incorporated in full. The Homeless Navigation Center will provide 200 beds, scalable up to 310 beds, for Santa Ana individuals, couples, and families with children admitted with low -barrier requirements through referral agencies approved by the City. All Services shall be performed at the Homeless Navigation Center located at 1815 Carnegie Avenue in Santa Ana, and in accordance with the provisions of this Agreement and all applicable local, state, and federal laws, rules, and regulations. Page 1 of 11 b. Contractor shall ensure that any equipment purchased with firnds pursuant to this Agreement, and utilized for and at the Homeless Navigation Center, will be disposed of in accordance with the direction of the City. In addition, all equipment furnished to the Contractor by the City and/or purchased by the Contractor with funds pursuant to this Agreement, will be limited to use within the activities outlined by this Agreement and will remain the property of the City. Upon termination of this Agreement, Contractor will immediately return all equipment to the City or dispose of it in accordance with the direction of the City. 2. TERM OF AGREEMENT This Agreement shall commence upon the date first written above ("Commencement Date"). Services shall be provided upon the completion of construction of the Homeless Navigation Center and issuance of a Certificate of Occupancy, or similar approval from the City's Building Department ("Effective Date"). The term of the Agreement shall continue for three (3) years from the Effective Date, with the option for the City to grant up to two (2), two (2) year renewals, exercisable by a writing executed by the City Manager and the City Attorney, for a potential total Term of seven (7) years ('Term") from the Effective Date, unless terminated earlier in accordance with Section 15, below. 3. COMPENSATION a. From and after the Effective Date, City shall pay Contractor an annual fee not to exceed $3,577,366.00 for operation of the Homeless Navigation Center with a capacity of up to 200 beds, as compensation for all Services rendered under this Agreement, with an annual Consumer Price Index adjustment of 1.5%, during the Term of the Agreement, as provided in Exhibit C attached hereto and incorporated herein by reference ("Operation Fee"). The Operation Fee will be based upon the actual occupancy count and incurred costs, as documented by the Contractor. The total number of beds available in the Homeless Navigation Center may be increased at the discretion of the City, which would require amendment of this Agreement to adjust the maximum annual Operation Fee to account for the increased capacity. An audit of expenses and occupancy count will be conducted on a semi-annual basis to reconcile any over or under -payment of expenses by the City. In the case of the former, Contractor shall credit the City the amount of over -payment in the immediate period. In the case of the latter, the City shall pay the Contractor the amount of the under -payment. b. Start-up costs in the first year of operation may total a not to exceed amount of $75,000.00 with documentation from Contractor. Start-up costs may include but are not limited to: miscellaneous kitchen items, padlocks, bedding, trash containers, laundry bags, hot box for bug treatment, and other furnishings and equipment, as approved by the City prior to purchase and use. C. The total sum to be expended under this Agreement shall not exceed $10,968,885.00. Page 2 of 11 d. Contractor shall submit an invoice to the City (evidencing fees, costs or services performed, subject to City accounting procedures) when Contractor needs funds provided for in the Exhibit C. City shall pay Contractor the invoiced amounts within thirty (30) days following receipt of proper invoice. e. The compensation required pursuant to this Agreement will be paid by City to Contractor from multiple federal, state, and local funding sources (each individually a "Funding Source" and cumulatively the "Funding Sources"), including, but not limited to, the following: i. HHAP ii. PLHA iii. ESG-CV iv. ESG Contractor will be required to enter into a separate funding agreement for each Funding Source. Contractor will be required to comply with all requirements of each Funding Source, as detailed in the separate funding agreements. The total amount of compensation in said funding agreements shall count toward the total amount due and owing from City to Contractor under this Agreement, not compensation in addition to the total amount of this Agreement. If Contractor does not execute any of the separate funding agreements, Contractor will forfeit that amount of funding from that Funding Source, and City will have the option to terminate this Agreement pursuant to the terms of Section 15, below. Additionally, in the event any Funding Source is reduced by 25% or more, City will have the option to terminate this Agreement pursuant to the terms of Section 15, below. 4. SERVICE DELIVERY MONITORING The City Manager or his or her designee shall have the right to access all activities and facilities operated by Contractor under this Agreement. Facilities include all files, records, and other documents related to the performance of this Agreement (except for any such materials which Contractor is required by law to keep confidential). Activities include attendance at staff, board of directors, advisory committee and advisory board meetings, and observation of on -going program functions. Contractor shall permit on -site inspection of the Homeless Navigation Center by City and ensure that Contractor's employees and board members furnish such information, as in the reasonable judgment of the City may be relevant to the question of compliance with contractual conditions, or the effectiveness, legality, and achievements of the Services. 5. REPORTING Contractor shall provide to the City written reports of the Services, when requested by the City and in a format to be approved by the City. 6. INDEPENDENT CONTRACTOR Contractor shall, during the entire term of this Agreement, be construed to be an independent contractor and not an employee of the City. This Agreement is not intended nor shall Page 3 of 11 it be construed to create an employer -employee relationship, a joint venture relationship, or to allow the City to exercise discretion or control over the professional manner in which Contractor performs the services which are the subject matter of this Agreement; however, the services to be provided by Contractor shall be provided in a manner consistent with all applicable standards and regulations governing such services. Contractor shall pay all salaries and wages, employer's social security taxes, unemployment insurance and similar taxes relating to employees and shall be responsible for all applicable withholding taxes. 7. INSURANCE Contractor shall procure and maintain for the duration of the contract insurance against claims for injuries to persons or damages to property which may arise from or in connection with the performance of the work hereunder and the results of that work by the Contractor, its agents, representatives, employees, or subcontractors. a. MINIMUM SCOPE AND LIMIT OF INSURANCE Coverage shall beat least as broad as: 1. Commercial General Liability (CGL): Insurance Services Office Form CG 00 O1 covering CGL on an "occurrence" basis, including products and completed operations, property damage, bodily injury and personal & advertising injury with limits no less than $2,000,000 per occurrence. If a general aggregate limit applies, either the general aggregate limit shall apply separately to this project/location (ISO CG 25 03 or 25 04) or the general aggregate limit shall be twice the required occurrence limit. 2. Automobile Liability: Insurance Services Office Form Number CA 0001 covering, Code 1(any auto), or if Contractor has no owned autos, Code 8 (hired) and 9 (non -owned), with limit no less than $1,000,000 per accident for bodily injury and property damage. 3. Workers' Compensation: insurance as required by the State of California, with Statutory Limits, and Employer's Liability Insurance with limit of no less than $1,000,000 per accident for bodily injury or disease. 4. Professional Liability (Errors and Omissions): Insurance appropriate to the Contractor's profession, with limit no less than $2,000,000 per occurrence or claim, $2,000,000 aggregate (if applicable). 5. Sexual Abuse or Molestation (SAM) Liability: If the work will include contact with minors, and the CGL policy referenced above is not endorsed to include affirmative coverage for sexual abuse or molestation, Contractor shall obtain and maintain a policy covering Sexual Abuse and Molestation with a limit no less than $1,000,000 per occurrence or claim. 6. If the Contractor maintains broader coverage and/or higher limits than the minimums shown above, the City requires and shall be entitled to the broader coverage and/or the higher limits maintained by the Contractor. Any available insurance proceeds in excess of the specified minimum limits of insurance and coverage shall be available to the City. Page 4 of 11 b. Other Insurance Provisions — The insurance policies are to contain, or be endorsed to contain, the following provisions: Additional Insured Status: The City, its officers, officials, employees, and volunteers are to be covered as additional insureds on the CGL policy with respect to liability arising out of work or operations performed by or on behalf of the Contractor including materials, parts, or equipment furnished in connection with such work or operations. General liability coverage can be provided in the form of an endorsement to the Contractor's insurance (at least as broad as ISO Form CG 20 10 11 85 or if not available, through the addition of both CG 20 10, CG 20 26, CG 20 33, or CG 20 38; and CG 20 37 forms if a later edition is used). 2. Primary Coverage: For any claims related to this contract, the Contractor's insurance coverage shall be primary coverage at least as broad as ISO CG 20 O1 04 13 as respects the City, its officers, officials, employees, and volunteers. Any insurance or self-insurance maintained by the City, its officers, officials, employees, or volunteers shall be excess of the Contractor's insurance and shall not contribute with it. 3. Notice of Cancellation: Each insurance policy required above shall provide that coverage shall not be canceled, except with notice to the City. 4. Waiver of Subrogation: Contractor hereby grants to City a waiver of any right to subrogation which any insurer of said Contractor may acquire against the City by virtue of the payment of any loss under such insurance. Contractor agrees to obtain any endorsement that may be necessary to affect this waiver of subrogation, but this provision applies regardless of whether or not the City has received a waiver of subrogation endorsement from the insurer. 5. Self -'Insured Retentions: Self -insured retentions must be declared to and approved by the City. The City may require the Contractor to purchase coverage with a lower retention or provide proof of ability to pay losses and related investigations, claim administration, and defense expenses within the retention. The policy language shall provide, or be endorsed to provide, that the self - insured retention may be satisfied by either the named insured or City. 6. Acceptability ofinsurers: Insurance is to be placed with insurers authorized to conduct business in the state with a current A.M. Best's rating of no less than A:VII, unless otherwise acceptable to the City. 7. Claims Made Policies (note — should be applicable only to professional liability, see below): If any of the required policies provide claims -made coverage: 1. The Retroactive Date must be shown and must be before the date of the contract or the beginning of contract work. 2. Insurance must be maintained and evidence of insurance must be provided for at least five (5) years after completion of the contract of work. 3. If coverage is canceled or non -renewed, and not replaced with another Page 5 of 11 claims -made policy form with a Retroactive Date prior to the contract effective date, the Contractor must purchase "extended reporting" coverage for a minimum of five (5) years after completion of work. 8. Verifcation of Coverage: Contractor shall furnish the City with original Certificates of Insurance including all required amendatory endorsements (or copies of the applicable policy language effecting coverage required by this clause) and a copy of the Declarations and Endorsement Page of the CGL policy listing all policy endorsements to City before work begins. However, failure to obtain the required documents prior to the work beginning shall not waive the Contractor's obligation to provide them. 9. City reserves the right to require complete, certified copies of all required insurance policies, including endorsements required by these specifications, at any time. 10. Special Risks or Circumstances: City reserves the right to modify these requirements, including limits, based on the nature of the risk, prior experience, insurer, coverage, or other special circumstances. 8. INDEMNIFICATION By Contractor. Contractor agrees to and shall indemnify, defend, and hold harmless the City, its officers, agents, employees, consultants, special counsel, and representatives from liability: (1) for personal injury, damages, just compensation, restitution, judicial or equitable relief arising out of claims for personal injury, including death, and claims for property damage, which may arise from the operations or willful misconduct of the Contractor or its, subcontractors, agents, employees, or other persons acting on their behalf which relates to the services described in section 1 of this Agreement; and (2) from any claim that personal injury, damages, just compensation, restitution, judicial or equitable relief is due by reason of the terms of or effects arising from this Agreement. This indemnity and hold harmless agreement applies to all claims for damages, just compensation, restitution, judicial or equitable relief suffered, or alleged to have been suffered, by reason of the events referred to in this Section or by reason of the terms of, or effects, arising from this Agreement. The Contractor further agrees to indemnify, hold harmless, and pay all costs for the defense of the City, including fees and costs for special counsel to be selected by the City, regarding any action by a third party challenging the validity of this Agreement, or asserting that personal injury, damages, just compensation, restitution, judicial or equitable relief due to personal or property rights arises by reason of the terms of, or effects arising from this Agreement. Contractor's indemnification obligations hereunder shall not extend to any claims to the extent caused by the City's negligence, willful misconduct or breach of this Agreement. City may make all reasonable decisions with respect to its representation in any legal proceeding. Contractor's indemnification obligations in this section shall survive expiration of this Agreement. By CitX. City agrees to and shall indemnify, defend, and hold harmless the Contractor, its officers, agents, employees, consultants, special counsel, and representatives from liability for personal injury, damages, restitution, judicial or equitable relief arising out of claims for personal injury, including death, and claims for property damage, which may arise from the operations or willful misconduct of the City or its subcontractors, agents, employees, or other persons acting on their behalf which relates to the subject matter of this Agreement. This indemnity and hold Page 6 of 11 harmless agreement applies to all claims for damages, just compensation, restitution, judicial or equitable relief suffered, or alleged to have been suffered, by reason of the events referred to in this Section or by reason of the terms of, or effects, arising from this Agreement. City's indemnification obligations hereunder shall not extend to any claims to the extent caused by Contractor's negligence, willful misconduct or breach of this Agreement. Contractor may make all reasonable decisions with respect to its representation in any legal proceeding. City's indemnification obligations in this section shall survive expiration of this Agreement. 9. RECORDS Contractor shall keep records and invoices in connection with the work to be performed render this Agreement. Contractor shall maintain complete and accurate records with respect to the costs incurred under this Agreement and any services, expenditures, and disbursements charged to the City for a minimum period of three (3) years, or for any longer period required by law, from the date of final payment to Contractor under this Agreement. All such records and invoices shall be clearly identifiable. Contractor shall allow a representative of the City to examine, audit, and make transcripts or copies of such records and any other documents created pursuant to this Agreement during regular business hours (except for any such materials which Contractor is required by law to keep confidential). Contractor shall allow inspection of all work, data, documents, proceedings, and activities related to this Agreement for a period of three (3) years from the date of final payment to Contractor tinder this Agreement. 10. CONFIDENTIALITY If Contractor receives from the City information which due to the nature of such information is reasonably understood to be confidential and/or proprietary, Contractor agrees that it shall not use or disclose such information except in the performance of this Agreement, and further agrees to exercise the same degree of care it uses to protect its own information of like importance, but in no event less than reasonable care. "Confidential Information" shall include all nonpublic information. Confidential information disclosed to either party by any subsidiary and/or agent of the other party is covered by this Agreement. The foregoing obligations of non-use and nondisclosure shall not apply to any information that (a) has been disclosed in publicly available sources; (b) is, through no fault of the Contractor disclosed in a publicly available source; (c) is in rightful possession of the Contractor without an obligation of confidentiality; (d) is required to be disclosed by operation of law; or (e) is independently developed by the Contractor without reference to information disclosed by the City. 11. CONFLICT OF INTEREST CLAUSE Contractor covenants that it presently has no interests and shall not have interests, direct or indirect, which would conflict in any manner with the performance of services specified under this Agreement. 12. NOTICE Any notice, tender, demand, delivery, or other communication pursuant to this Agreement shall be in writing and shall be deemed to be properly given if delivered in person or mailed by first class or certified mail, postage prepaid, or sent by fax or other telegraphic communication in Page 7 of 11 the manner provided in this Section, to the following persons: To City: Cleric of the City Council City of Santa Ana 20 Civic Center Plaza (M-30) P.O. Box 1988 Santa Ana, CA 92702-1988 With courtesy copies to: To Contractor: City Manager City of Santa Ana 20 Civic Center Plaza Santa Ana, CA 92702 The Illumination Foundation 1091 N. Batavia St. Orange, CA 92867 Attn: Paul Leon, CEO With courtesy copies to: Steven J. Dzida, Esq. Dzida, Carey & Steinman 3 Park Plaza, Suite 750 Irvine, CA 92614 Fax: 949/399-0361 A party may change its address by giving notice in writing to the other party. Thereafter, any communication shall be addressed and transmitted to the new address. If sent by mail, communication shall be effective or deemed to have been given three (3) days after it has been deposited in the United States mail, duly registered or certified, with postage prepaid, and addressed as set forth above. If sent by fax, communication shall be effective or deemed to have been given twenty-four (24) hours after the time set forth on the transmission report issued by the transmitting facsimile machine, addressed as set forth above. For purposes of calculating these time frames, weekends, federal, state, County or City holidays shall be excluded. 13. EXCLUSIVITY AND AMENDMENT This Agreement represents the complete and exclusive statement between the City and Contractor regarding the subject matter therein, and supersedes any and all other agreements, oral or written, between the parties. This Agreement may not be modified except by written instrument signed by the City and by an authorized representative of Contractor. The parties agree that any terms or conditions of any purchase order or other instrument that are inconsistent with, or in addition to, the terms and conditions hereof, shall not bind or obligate Contractor or the City. Each party to this Agreement acknowledges that no representations, inducements, promises or Page 8 of 11 agreements, orally or otherwise, have been made by any party, or anyone acting on behalf of any party, which are not embodied herein. 14. ASSIGNMENT Contractor may not assign, transfer, delegate, or subcontract any interest herein without the prior written consent of the City and any such assignment, transfer, delegation or subcontract without the City's prior written consent shall be considered null and void. Nothing in this Agreement shall be construed to limit the City's ability to have any of the services which are the subject of this Agreement performed by City personnel or by other contractors or consultants retained by City. No assignment by the City of its rights or obligations under this Agreement shall relieve the City of any of its obligations under this Agreement. 15. TERMINATION a. This Agreement may be terminated by the City, for any reason or no reason at all, upon ninety (90) days written notice of termination. b. If there is a default by Contractor, this Agreement may be terminated by the City upon written notice of termination, which notice shall set forth with specificity the cause for termination. Contractor shall have an opportunity to cure any alleged default for a period of ten (10) days after receipt of the notice of termination. If Contractor has cured the alleged default in the reasonable opinion of City, then this Contract shall not be terminated. C. If there is any court order, ruling, settlement agreement, legislation, law, or similar action affecting the City's ability to utilize the Homeless Navigation Center as a homeless shelter, or impairing Contractor's ability to provide the Services that are the subject of this Agreement, then the City may terminate the Agreement immediately. d. If this Agreement is terminated, Contractor shall be entitled to receive and the City shall pay Contractor compensation for all services performed by Contractor and costs incurred or accrued by Contractor prior to Contractor's receipt of such notice of termination. 16. NONDISCRIMINATION Contractor shall not discriminate because of race, color, creed, religion, sex, marital status, sexual orientation, age, national origin, ancestry, or disability, as defined and prohibited by applicable law, in the recruitment, selection, training, utilization, promotion, termination or other employment related activities or in connection with any activities under this Agreement. Contractor affirms that it is an equal opportunity employer and shall comply with all applicable federal, state and local laws and regulations. 17. GOVERNING LAW AND VENUE This Agreement has been executed and delivered in the State of California and the validity, Page 9 of 11 interpretation, performance, and enforcement of any of the clauses of this Agreement shall be determined and governed by the laws of the State of California. Both parties further agree that Orange County, California, shall be the venue for any action or proceeding that may be brought or arise out of, in connection with or by reason of this Agreement. 18. PROFESSIONAL LICENSES Contractor shall, throughout the term of this Agreement, maintain all necessary licenses, permits, approvals, waivers, and exemptions necessary for the provision of the services hereunder and required by the laws and regulations of the United States, the State of California, the City of Santa Ana and all other governmental agencies. Contractor shall notify the City immediately and in writing of its inability to obtain or maintain such permits, licenses, approvals, waivers, and exemptions. Said inability shall be cause for termination of this Agreement. 19. MISCELLANEOUS PROVISIONS a. Each person signing this Agreement on behalf of Contractor represents and warrants that its signature herein below has the power, authority and right to bind Contractor to each of the terms of this Agreement and shall indemnify City fully, including reasonable costs and attorney's fees, for any injuries or damages to City in the event that such authority or power is not, in fact, held by the signatory or is withdrawn. Each person signing this Agreement on behalf of City represents and warrants that its signature herein below has the power, authority and right to bind the City to each of the terms of this Agreement and shall indemnify Contractor fully, including reasonable costs and attorney's fees, for any injuries or damages to Contractor in the event that such authority or power is not, in fact, held by the signatory or is withdrawn. b. All Exhibits referenced herein and attached hereto shall be incorporated as if fully set forth in the body of this Agreement. (Signatures on.followingpage) Page 10 of 11 A-2021-175 IN WITNESS WHEREOF, the parties hereto have executed this Agreement the date and year first above written. CITY OF SANTA ANA is me Ridge City Manager ATTEST: Clerk of the Council APPROVED AS TO FORM: SONIA R. CARVALHO City Attorney By: Ryan O. dg Assistant ity ttorney CONTRACTOR Z"--� itle C/ -/ s CFO RECOMMENDED FOR APPROVAL: -�� xA Steven Mendoza Executive Director Community Development Agency EXIHBITS: A - RFP #21-028 B - SCOPE OF SERVICES C - PRO FORMA OF COSTS AND FUNDING Page 11 of 11 EXHIBIT A REQUEST FOR PROPOSALS #21-028 y � /t r.t� �11yiii�, r t, REQUEST FOR PROPOSALS (RFP) FOR ThP OnPrnfnr of a Community Development Agency Homeless Services Division' 20 Civic Center Plaza Santa Ana, CA 92701 rL� Notice Inviting Proposals.................................3 Executive Summary-, ................ _ .................. 4 Background.....................................................4 Eligible Respondents......................................7 Available Funding............................................8 RFPTimeline ........ ................. :....... .................9 Proposal Selection Process ..........................10 Scope of Services .............. ......... ............... ...'11 Project Outcomes..........................................14 Proposal Evaluation & Scoring, .......... ........ - 16 Minimum Submission Requirements.............17 Proposal Requirements.................................19 General Information ...................................... 23 Agreement Information..................................25 Insurance Requirements...............................27 Exhibit A - Contractor's Statement ................ 30 Exhibit B - Certification of Non-Discrimination ...................................................................... 31 Exhibit C — Non -Collusion Affidavit................33 Exhibit D — Commitment to Enter Into Memorandum of Understanding with the Santa Ana WORK Center- .... __ ............... ............ 35 City of Santa Ana RFP: Year -Round Homeless Navigation Center NOTICE INVITING PROPOSALS NOTICE IS HEREBY GIVEN THAT PROPOSALS will be received from qualified non-profit service providers (who provide services for individuals that are homeless) to operate a Year - Round Homeless Navigation Center (HNC) in the City of Santa Ana. Responses to Request for Proposals (RFP) will be accepted until March 24, 2021 at 2:00 P.M. Proposals received after this date/time will not be considered. It is the responsibility of the eligible respondent to ensure that any proposals submitted have sufficient time to be received by the City of Santa Ana prior to the proposal due date and time. MAILED, DELIVERED BY HAND, OR COURIERED PROPOSALS WILL BE ACCEPTED TO THE FOLLOWING CONTACT PERSON: City of Santa Ana Terri Eggers, Homeless Services Manager Community Development Agency 20 Civic Center Plaza, M-25, 61h Floor Santa Ana, CA 92701 E-MAILED RFP RESPONSES WILL NOT BE ACCEPTED! All notifications, updates, and addenda will be posted on the City's RFP Bid page at hftp://planetbids.com. Eligible Respondents shall be responsible for monitoring the site and project contact's email to obtain information regarding this RFP. Failure to respond to required updates may result in a determination of nonresponsive proposal. 3 City of Santa Ana RFP Homeless Navigation Center EXECUTIVE SUMMARY The City of Santa Ana's Community Development Agency (CDA) is seeking proposals from eligible respondents to enter into a public -private partnership to operate a Year -Round Homeless Navigation Center (HNC) that will serve 200 individuals, with the ability to scale up to 250 individuals. The term of the agreement will be for three years, with two, two year extensions. A Navigation Center is a "transitional, emergency homeless facility with in-house services to develop pathways toward permanent housing, income, healthcare, and stability. Some of the onsite services include, but are not limited to: transportation in and out, one-on-one case management, state -licensed behavioral and substance abuse services, social services, meal services, rental assistance, and 24/7 staffing and security. The Navigation site located at 1815 Carnegie Avenue, Santa Ana, CA is currently under construction with completion anticipated by late Spring, 2021. This site meets the SB2 zone criteria for homeless shelters. Funding will be provided by the City of Santa Ana through various funding sources outlined within this RFP. Only non-profit organizations currently providing services to individuals experiencing homelessness and which meet the minimum submission requirements will be considered. The City of Santa Ana currently operates a homeless shelter, referred to as The Link, which was opened in November 2018 as an interim emergency homeless shelter. The Link is a 200-bed emergency shelter for men, women, couples and families with children. The Link may cease operation upon the opening of the homeless navigation center. The homeless navigation center, subject to this RFP, will replace The Link. Santa Ana expects respondents to be fully ready to operate the Navigation Center once complete, which is estimated as Spring, 2021. According to the 2019 Orange County Point -In -Time Count, the Orange County's homeless population increased from 4,792 to 6,860 from the 2017 Point -In -Time Count. Santa Ana's portion of the county's homeless is reported to be 1,769. As the County Seat, the City of Santa Ana has been on the frontline of addressing Orange County's homelessness. As a result, the City has invested resources and created programs to address the needs and impacts of homelessness throughout the City. Since 2018, the City has launched the following projects and initiatives to address the growing homeless population: 4 City of Santa Ana RFP: Homeless Navigation Center Homeless Services Manager: Hired to coordinate and address the City's homeless efforts through internal and external collaborations at the local, state and federal level. Interdepartmental Team: Created to execute projects and initiatives addressing homelessness. Quality of Life Team: Designed a multidisciplinary team comprised of staff from the Santa Ana Police Department, Public Works Agency, Parks and Recreation, Community Development Agency, and Orange County Health Care Agency outreach workers. This team address homelessness concerns in the community related to municipal code violations, property storage, proper use of public/private property and provision of supportive services to individuals experiencing homelessness. Advocating for Regional Collaborative: Active participation with Federal District Judge David Carter, and responding to lawsuits on the establishment of homeless shelter and anti - encampment laws. Four Point Homeless Strategic Plan: Crafted a draft plan outlining over 30 recommendations to address homelessness, including outreach and supportive services, affordable housing needs, strategic policy development and more. Point -in -Time Count: Planned and executed a City Point -In -Time count that surveyed the homeless population in Santa Ana within less than 24 hours to gather robust data supporting the increase of homelessness in Santa Ana, Operation Civic Center Plaza: Outreached to 234 individuals in the Civic Center encampment to refer to shelter and resources in an effort to transition out of the Civic Center plaza and into stable housing. Declaration of an Emergency: On August 21, 2018 City Council approved a resolution declaring a shelter crisis related to homelessness. 5 City of Santa Ana RFP: Homeless Navigation Center City of Santa Ana RFP: Homeless Navigation Center ELIGIBLE RESPONDENTS An Eligible Respondent is a qualified non-profit service provider that has verifiable experience serving the homeless population as it relates to the qualifications outlined in this RFP. It is understood the selected Respondent acting as an individual, partnership, corporation or other legal entity, is of professional status, licensed to perform in the State of California and for all applicable professional discipline(s) requiring licensing and will be governed by the professional ethics in its relationship to the City of Santa Ana. It is also understood that all reports, information, and/or data prepared or assembled by the Respondent for this RFP, or under a contract awarded pursuant to this RFP may be made available to any individual or organization under the California Public Records Act (CPRA), subject to limitations and exemptions in the CPRA. Each Respondent shall be financially solvent, and shall be competent to perform the services required under this RFP document. Proposals will only be considered from Respondents which meet the following prerequisites: A Have a minimum of three (3) consecutive years of successfully managing and operating homeless programs and delivering relevant services of a similar type and scope as described in the Scope of Work. Have not filed for bankruptcy under any business name over the past five (5) years. Have the current organizational experience and staff capacity to undertake a new Year - Round Homeless Navigation Center. City of Santa Ana RFP: Homeless Navigation Center AVAILABLE FUNDING The City anticipates that there will be available funding for the operation of said facility. Funding sources may include: Community Development Block Grant (CDBG), Homeless Emergency Aid Program (HEAP), Homeless Housing, Assistance and Prevention Program (HHAP-1 and HHAP- 2), Housing Opportunity Ordinance (HOO) Inclusionary Funds, Emergency Solutions Grant (ESG, ESG-CV1 and ESG-CV2), and Permanent Local Housing Allocation (State funds from SB2.) Funds used may have varying requirements including both quarterly and annual reporting for both the City and the Respondent. The basic program regulations governing management and financial systems for the Community Development Block Grant and Emergency Solutions Grant are disseminated by the Federal government in 24 CFR Part 570, Subparts J and K. The Homeless Housing, Assistance and Prevention Program is disseminated by the California Business, Consumer Services, Homeless Coordinating and Financing Council. The City's Community Development Agency will administer the Agreement on behalf of the City. All requirements of the applicable local, state, federal, or private funding sources will apply to projects selected under this RFP. Respondent will submit a request for reimbursement on the first day of each month after the commencement date, with an itemized accounting and reasonable substantiation of the expenses actually incurred. Payment shall be made within forty- five (45) days following receipt of proper invoice evidencing fees, costs or services performed, subject to City accounting procedures. e City of Santa Ana RFP: Homeless Navigation Center RFP TIMELINE Santa Ana expects proposals to be project -ready with the intent of having the new Navigation Center operational by Spring, 2021. The following is the tentative timeline for the RFP process, ACTION ITEM Release of RFP DATE February 23, 2021 RFP Questions Due March 1, 2021 RFP Responses to Questions March 3, 2021 Proposal Submittal Deadline March 24, 2021 at 2:00 PM Panel Interviews March 31, 2021 City Council Approval April 20, 2021 Program Operation Spring, 2021 i City of Santa Ana RFP: Homeless Navigation Center PROPOSAL SELECTION PROCESS Proposal Selection Process The City shall establish a proposal evaluation committee to review and score proposals received. All proposals will be scored based on the criteria in this RFP. Additional information may be requested by the City evaluation committee prior to making a funding recommendation. Recommendations from the City evaluation committee may be brought to the Santa Ana City Council for an award of funding. The City shall not be liable for any costs incurred in response to this RFP, including but not limited to, costs for any interviews, presentations, or other follow-up information necessary as part of the selection process. All costs shall be borne by the organization responding to this RFP. The organization responding to this RFP shall hold the City harmless from any liability, claim, and expense whatsoever incurred by or on behalf of the organization. 10 City of Santa Ana RFP; Homeiess Navigation Center SCOPE OF SERVICES Overview The Homeless Navigation Center and its supportive service programs will be designed to provide a safe environment and a pathway for individuals, youth and families, experiencing homelessness on the streets of Santa Ana to transition into permanent housing. Clients will be admitted with low -barrier requirements through a referral system and coordination with the Santa Ana Police Department (SAPD), or other outreach teams, with no walk-ins allowed, The shelter program will incorporate transportation pick up and drop off points, or similar model type, that supports the individual needs of participants, The overall project will represent best practices in exceptional trauma -informed care for all shelter participants. The City's obligation will be for funding. The operation of the shelter will be undertaken by the Respondent. Project Requirements Respondents to this RFP should specify programs and services for homeless individuals that, based on evidence, successfully promote the principles of Housing First and contribute to the regional goals of ensuring instances of homelessness are rare, brief, and non -recurring. All services must be easily accessible and evaluated for effectiveness on a regular basis. Effectiveness shall be measured using the Project Outcomes outlined in this RFP. The table below outlines the minimum requirements for the shelter. PROJECTELEMENT Hours of operation . The Navigation Center must be open 24 hours per day, seven days per week, including City holidays Target Population . Housing and Urban Development (HUD) criteria for defining homelessness including Individuals, couples, families with children and transitional aged youth (TAY) populations Client Eligibility + Literally homeless in the City of Santa Ana i Referred by Santa Ana outreach workers and the Santa Ana Police Department Willingness to participate in a housing plan Willingness to follow shelter behavior requirements 11 City of Santa Ana RFP: Homeless Navigation Center Program Components • Three (3) nutritious meals each day And • Client support services Transportation/Shuttle Services Residential Services . Pet Accommodation • Laundry Facilities • Client access to on -site storage • Hygiene Products • HMIS Participation and Documentation Manage client reservation and referral process • Welcome, intakes and assessment • Housing First program with low -barriers to entry and operations • Case management and other appropriate permanent housing - focused services (e.g., housing navigation, case conferencing) • Substance abuse recovery classes such as AA, 12 Step programs • Coordination for mobile health services • Participation in the Coordinated Entry System (CES) • Coordination with the City of Santa Ana Housing Authority, referrals to County, State and Federal programs, as well as nonprofit and social service agencies, as appropriate • Mail services, as needed • Telephone access, charging and message services, including an ADA-compliant telephone Play area for children 12 City of Santa Ana RFP: Homeless !Navigation Center General Standards + Adequate on -site staffing with appropriate on -going staff training + 24-hour security to ensure a safe environment for clients, volunteers, and others + Operator to include data analysis as well as service delivery + Designated point -of -contact who is available at all times to address issues that may arise at the shelter and willingness to coordinate security issues with the Santa Ana Police Department Means for clients to provide input into programs Property Management I Respondent will maintain a secure and healthful environment for delivery of all services, including: Site control, prompt maintenance and repair, utilities, security, janitorial services, waste removal and disposal, regularly laundered linens, and other occupancy related items Secure entry/exits for clients and service providers to be monitored by staff A fire escape emergency plan A fire watch, which shall be maintained at all times + A written drug and alcohol free policy for staff that is posted/displayed on -site at all times. The written policy shall include and describe the disciplinary action to result from the illegal use, consumption, distribution, and/or possession of drugs and/or alcohol 13 City of Santa Ana RFP; Homeless Navigation Center PROJECT OUTCOMES The performance outcomes for this site will be measured by the table below as well as thresholds established in the annual Orange County Emergency Shelter Project Performance Report, as a guideline. Additionally, the Respondent and all partner organizations will be responsible for complying with standards for Homeless Assistance, Homeless Management Information System (HMIS), and CES. All Navigation Center activities will be documented in monthly, quarterly and year-end reports in a format determined by the City of Santa Ana. Respondent staff will work closely with the City on programming and in providing all the necessary documentation for invoicing and accounting. Low Barrier to Entry 100% Average Length of Stay 120 days or less Access to Resources/Services Employment Status at Exit At least 20% employed Income Source at Exit 54% income from any source other than employment at exit to Move into Permanent Housing and Stabilize Housing cost <_ 50% of client income Negative s 35% non-compliance Exits Positive At least 35% to permanent housing Occupancy Rate At least 90% Efficient and Effective Use of Spending 100% spend -down of awarded Resources funds City of Santa Ana RFP: Homeless Navigation Center Missing or Incomplete Data <_ 5% in HMIS Data Quality Timeliness of Data Entry Client data entered within 3 business days Participants will engage in Services the service plans including At least 80% housing, behavioral, substance abuse and/or employment Demographics Shelter and Housed Clients Reporting Only 15 City of Santa Ana RFP: Homeless Navigation Center PROPOSAL EVALUATION & SCORING Proposals will be evaluated based on the following criteria: • Completeness and accuracy of the completed proposal forms, and requested narratives. • Applicant has demonstrated organization's experience serving persons experiencing homelessness and managing an emergency shelter/navigation center program. • Demonstrated experience in providing services and operating a shelter/navigation center program similar in nature to the proposed Homeless Navigation Center. + Ability of project design to achieve desired project outcomes. 105 points total are possible. A minimum of 85 points is required for consideration of project award. Applications will be scored based on the following: MAXIMUM POINTS 25 EVALUATION O. Operator Experience and Capacity 30 Program Design and Outcomes 25 Service Delivery Method and Staffing 15 Operator Program Budget 10 Project Sustainability 105 Total Points Possible 16 City of Santa Ana RFP: Homeless Navigation Center MINIMUM SUBMISSION REQUIREMENTS 11 .,... II- _p. - All project proposals must contain the following minimum submission requirements: Operator Experience and Capacitv A. Nonprofit Organization: Respondents and partners must have achieved IRS Section 501(c)(3) tax exempt nonprofit status and California Revenue and Taxation Code tax exempt nonprofit status before the start of the contract with Santa Ana. Respondents must have been in existence for at least three (3) years. 1) Three (3) years of annual financial statements; 2) Nonprofit organizations are required to submit an accountant's compilation report of financial statements. 3) References: Minimum of two (2) references associated with current contracts demonstrating successful ability to complete the responsibilities outlined in this RFP. B. System Coordination: Respondent and partners must coordinate and participate in the following manner or with the following agencies: 1) 2-1-1 Database 2) Coordinated Entry System (CES). Respondents of this RFP and related service providers will be required to utilize and participate in CES as determined by the City. 3) Memoranda of Understanding (MOU): If partnering with third -party organizations for any portion of the proposed project, a MOU must be submitted, outlining the details of each partnership. 4) Utilization of Homeless Management Information System (HMIS): Service providers will enter and maintain client data in the approved HMIS, as well as obtain and report required programmatic information and data on a monthly and annual basis. C. Rousing First: Respondents and partners must demonstrate a commitment to ensuring the services created through award of this solicitation, follow the principles of Housing First as outlined by HUD and the U.S. Interagency Council on Homelessness. 1) Target Population: Respondents and partners must demonstrate a commitment to assist individuals and households who meet the U.S. Department of Housing and Urban Development's (HUD) definition for homeless and chronically homeless. 17 City of Santa Ana RFP; homeless Navigation Center 2) Compliance and Performance History: Respondents and partners must demonstrate compliance with prior City funding awards and consistent conformance with all applicable rules and regulations. The Respondent's prior projects over the previous five (5) years must not have resulted in either financial loss to the City of Santa Ana or audit findings. 3) Financial Considerations: Respondents must demonstrate an absence of suspensions/debarments, suits/liens/judgments, and criminal or fraud evidence. D. Preliminary Project pro forma: 1) The City will provide operating support, subject to budgetary authority; 2) All funds associated with operations and provision of services will be funded on a 45-day reimbursable basis by the City to Respondent; 3) The operator must establish and maintain 90 days of operating cash reserve at time of contract execution; 4) The Shelter operator will be responsible for services; 5) Ability to pay for invoices up front and be reimbursed, as some of the grans funds are reimbursement only. E. Management and Operations Plan: Respondent must submit a draft Management and Operations Plan which may be amended after award. fE City of Santa Ana RFP: Homeless Navigation Center PROPOSAL REQUIREMENTS A complete Proposal package shall be submitted on PlanetBids on or before the deadline listed on the cover of this RFP. Additionally, five (5) hard copies of the electronic submission on PlanetBids shall be delivered to the City of Santa Ana to the location noted on the Notice Inviting Proposals. Hard copy Proposals and Deposits shall be submitted per instructions on PlanetBids. One of the hard copies shall be marked as "ORIGINAL" and shall be wet signed by a company official with the power to bind the company and submitted to the City of Santa Ana. Please be explicit in identifying the appropriate contractual person with legal authority to bind the company for contract execution purposes. Font size shall be minimum 11-point Arial. Proposal exhibits shall be maximum 11" x 17". All project proposals must contain the following sections and information to be considered responsive: I. Operator Experience and Capacity - (25 points) A. Team. Describe the team members and their duties as part of the team. Resumes of key staff should be included. If more than one nonprofit is partnering in the service delivery describe the role of each entity. Documentation to be included in the Exhibits for each entity: 1) An organizational chart showing lines of responsibility 2) Documentation that each entity is certified by the U.S. Internal Revenue Service as a 501(c)(3) tax exempt non-profit corporation 3) Documentation that each entity is in good standing with both local, state and federal compliance. B. Experience. Describe the team's experience providing social service programs to individuals experiencing homelessness and operating a year-round shelter/navigation center, with an emphasis on experience gained in the last five years on projects similar to the proposed Homeless Navigation Center. Describe team's experience working in the coordinated entry system. Describe team's property management experience. Provide data and information about performance outcomes for similar projects assuring exits to permanent housing. C. Capacity. Describe the team's administrative and managerial capacity to oversee the work necessary to successfully operate the proposed project. Provide evidence of 19 City of Santa Ana RFP: Homeless Navigation Center Respondent team's financial strength and ability to raise private capital for the proposed uses. D. References. Include a list of at least two references from public agency partners with full names, title, contact phone and email information, and identification of the projects. II. Program Design and Outcomes —(84 omtsj A. Program Description. Detailed narrative describing the proposed navigation center and explaining how the shelter will ensure that multiple populations can be served. Please make sure to address the following information: 1) Continuum of Care System. Explain how the proposed shelter will be integrated into the larger Continuum of Care system. 2) HMIS, Describe organization's experience working in HMIS and your plan to comply with HIVIIS requirements. 3) Permanent Housing. Describe how clients will be connected to permanent affordable housing through the use of rapid rehousing or other systems. 4) Client Referral Process. Describe how referred clients will be linked with other organizations and service providers in compliance with its use of the Coordinated Entry System and to ongoing services, including physical and behavioral health care and job readiness. 5) Admission Criteria and Procedures, Describe admission criteria and procedures including client rules and guidelines, identification requirements, screening requirements, bed reservation system, new clients, day leave and returning clients and hours of operation. 6) Re -admission Procedures. Describe exit and re -admission policies and procedures. 7) Types of Services. Describe the type of on -site and off -site services to be provided including, but not limited to: housing location and navigation, outreach and engagement, intake and assessment, case management, residential services, substance abuse counseling and crisis intervention services. 8) Program Outcomes. Describe how program outcomes listed in the table will be met. 9) Case Management. Describe the level and frequency of case management and explain how these case management services will increase stability. 10) COV1D-19. Describe modifications to address the pandemic, 20 City of Santa Ana RFP: Homeless Navigation Center IV. Service Delivery Method and Staffing — (25 points) A. Provide information detailing the proposed number of staff (FTE) for each program service, coordination with substance abuse counselors/graduate students and programs provided on -site, management plan including hiring and training policies, emergency procedures, conflict resolution and safety conduct. B. Provide a Staff Responsibility Matrix for the HNC volunteer monitoring, referral service and staff coordination. C. Describe how the staffing plan is consistent with the Management and Operations Plan. D. Respondent must address the following topics in the draft Operations and Management Plan (OMP). Respondent may submit and OMP for an existing emergency shelter currently operating in California. The document may be amended after award of contract for operation of the HNC. If the OMP does not include all of the required topics, additional information may be included as a narrative in this section, or as a supplemental exhibit to the existing OMP. Any deviations from the level of services described in the draft OMP must be clearly described in this section. 1)Describe your Volunteer Management Plan including a plan for the recruitment, training and management of volunteers for the program. Please describe the role of volunteers and volunteer policies including a description of volunteer tasks, selection, screening, and background checks, orientation and training, lines of authority. 2) Describe the Safety Policy for the facility including facility maintenance, fire and earthquake safety, fire prevention procedures, lighting, loitering, entrance and exit procedures, alarms and cameras and on -site Security personnel. 3) Describe the Health Policies related to possession of controlled substances, drug policies, disease prevention, drug possession, etc. 4) Describe the Security Plan for the facility. 5) Describe Food Policies related to the provision of nutritionals needs of clients, health department standards and the sanitary storage and preparation of food. 6) Describe the policies of how the facility will accommodate pet and service animals. Describe Transportation Policies pertaining to pedestrian traffic and parking, bus and shuttle, personal vehicle transportation and parking, etc. 7) Describe Non -Discrimination Policies including, gender -specific programming, compliance with Americans Disability Act, Sexual Harassment and Policy regarding Sex -Offenders. 8) Explain Grievance Policies and Procedures related to receiving and posting the policy, process to make a complaint, resolving a grievance, meeting with staff and whistleblower policy. 21 City ®f Santa Ana RPP: Homeless Navigation Center 9) Describe your agencies policies regarding Personal and Database Confidentiality. V. Operator Program Budget — (15 points) A. Clearly identify the costs/uses associated with each funding source identified in the RFP. B. Provide line item cost of services including in -kind values. C. Provide estimated cost per client. D. Provides funding source associated with each line item. Vil. Proiect Sustainability — (10 points) A. Narrative description addressing the sustainability of the project over a ten-year period. Vill. Required Exhibits and Attachments Respondent shall complete and return the following Exhibits attached herewith: • Exhibit A - Contractor's Statement • Exhibit B - Additional Insured Endorsement for Commercial General Liability Policy (Not required until after contractor selection) • Exhibit C - Certification of Nondiscrimination • Exhibit D - Non -Collusion Affidavit • Exhibit E - Commitment to Enter into Memorandum of Understanding with the Santa Ana WORK Center Respondent shall submit the following attachments: • 501 c(3) letter and evidence in good standing for each partner • Three years of audited financial statements (including management letters) Minimum of two (2) references associated with current homeless shelter contracts Memorandums of Understanding (MOU) with Third Party Organizations (if applicable) • Business Plan which includes an Operational Pro -Forma for the Shelter Operation (10 years) Preliminary Sources and Uses Statement Organizational Chart, including key staffing for the proposed project • Staff Resumes & Job Descriptions • Individual.Service Plan (Draft) • Management and Operations Plan (Draft) Program Policies & Procedures (Draft) • Good Neighbor Plan (Draft) 22 City of Santa Ana RFP: Homeless Navigation Center • Shelter Client Rules (Draft) • Letters of commitment for services Please include any additional information you deem essential to a proper evaluation of your proposal and which is not solicited in any of the preceding sections. Creative and innovative ideas can be addressed through -out the proposal. Applicants are cautioned this does not constitute an invitation to submit large amounts of extraneous material; appendices should be relevant and brief. GENERAL INFORMATION 1) Request for Information or Clarification: All questions or requested clarifications shall be made only in writing to the Q&A section located in Planet8ids no later than date listed on the cover of the RFP. No verbal requests or responses will be accepted. Significant interpretations or clarifications will be addressed via addenda to this RFP. 2) City Reserve's the Right to: a) No obligation to pay costs incurred in preparation of a response to this RFP. b) All data, documents and other products used, developed or produced during response preparation to the RFP will become property of the City. c) Reject, replace or approve any and all Respondents. 3) Coordination: Coordination by the awarded Provider with the City, as well as other Contractor and agencies will be required to achieve satisfactory and timely delivery of the required work. Coordination may include, but not be limited to, coordination with impacted businesses, neighborhood and civic groups, local and/or state agency boards and staff, or attendance at Community Redevelopment and Housing Commission meetings or City Council meetings. The City will decide the manner in which the coordination efforts will be conducted. At the City's option, coordination efforts may be performed by the City Homeless Services Manager. When coordination efforts require agreements, such agreements shall be coordinated with the City. 23 City of Santa Ana RFP: Homeless Navigation Center 4) Business License: The selected Respondent shall be required to obtain a City of Santa Ana business license within 30 days of selection and must provide a copy to the City project manager or designee prior to commencing any work in Santa Ana. 5) Authorized Signer: The signer of the proposal must declare in writing that the only person, persons, company or parties interested in the proposal as principals are named therein; that the proposal is made without collusion with any other person, persons, company or parties submitting a proposal; that it is in all respects fair and in good faith without collusion or fraud; and, that the signer of the proposal has full authority to bind the Consultant. 6) Addendum: Any changes in RFP from the date of release to the date of submittal of inquiries/questions will be summarized in an addendum or amendment to the RFP. Notification of such addendum or amendment shall be posted on PlanetBids at https://pbsystem.planetbids.com/portal/20137/portal-home as set forth in the Notice Inviting Proposals. Addenda shall become part of the agreement documents. 7) Public Record: Proposals will become public record after submission. Interested offers may submit a written request to receive the results of the evaluation. City will make best efforts to maintain Respondent information identified as proprietary information confidential, to the extent allowed under the California Public Records Act. Submit your request to, City of Santa Ana Community Development Agency, Attn: Terri Eggers, Homeless Services Manager, 20 Civic Center Plaza M-25, Santa Ana, CA 92701, 24 City of Santa Ana RFP: Homeless Navigation Center AGREEMENT INFORMATION 1) Hold Harmless: To the fullest extent permitted by law, Contractor shall indemnify, defend and hold harmless City, Homeless Division, its officers, agents and employees (collectively, the "Indemnified Parties") from and against any and all claims (including, without limitation, claims for bodily injury, death or damage to property), demands, obligations, damages, actions, causes of action, suits, losses, judgments, fines, penalties, liabilities, costs and expenses (including, without limitation, attorney's fees, disbursements and court costs) of every kind and nature whatsoever (individually, a Claim; collectively, "Claims"), which may arise from or in any manner relate (directly or indirectly) to any work performed or services provided under this Contract (including, without limitation, defects in workmanship and/or materials) or Contractor's presence or activities conducted performing the work (including the negligent and/or willful acts, errors and/or omissions of Contractor, its principals, officers, agents, employees, vendors, suppliers, Contractor, subcontractor, anyone employed directly or indirectly by any of them or for whose acts they may be liable for any or all of them). Notwithstanding the foregoing, nothing herein shall be construed to require Contractor to indemnify the Indemnified Parties from any Claim arising from the sole negligence or willful misconduct of the Indemnified Parties. Nothing in this indemnity shall be construed as authorizing any award of attorney's fees in any action on or to enforce the terms of the Agreement. This indemnity shall apply to all claims and liability regardless of whether any insurance policies are applicable. The policy limits do not act as a limitation upon the amount of indemnification to be provided by the Contractor. 2) Termination: The City reserves the right to terminate the contract, without penalty, for cause immediately or without cause. a. In the event Contractor fails or refuses to timely perform any of the provisions of the Agreement in the manner required, or if Contractor violates any provision of the Agreement, Contractor shall be deemed in default. City shall provide written notice of such default to Contractor Agency. Contractor shall cure said default within a period of two (2) working days. If such cure is not completed in a timely manner, City may assess liquidated damages or terminate the Agreement forthwith by giving written notice to Contractor Agency. City may, in addition to the other remedies provided in the Agreement or authorized by law, terminate this Agreement by giving written notice of termination. Contractor shall be responsible for all costs incurred by City, including replacement costs of equipment and labor required to provide service during Contractor default. 25 City of Santa Ana RFP: Homeless Navigation Center b. This agreement may be terminated without cause by City and/or Homeless Division upon thirty (30) days written notice delivered to the Contractor either personally or by mail. Upon termination, City and/or Homeless Division shall pay to Contractor that portion of compensation specified in the Agreement that is earned and unpaid prior to the effective date of termination. 3) Contractor Option for Termination: The Contractor may request termination of the contract when conditions during the contract make it impossible to perform or when prevented from proceeding with the contract by act of God, by law or official action of a public Homeless Division or in the event on nonpayment by the City or Homeless Division. Such request will require one -hundred and eighty (180) days written notice prior to contract termination date requested. In the event of nonpayment of undisputed sums by the City and/or Homeless Division, Contractor shall give the City and/or Homeless Division thirty (30) working days to cure the alleged breach. 4) Employment Opportunities for Santa Ana Residents: Contractor shall solicit and advertise employment opportunities to Santa Ana residents. The City shall inform the Contractor of areas to publicize recruitment opportunities, such as the Santa Ana WORK Center and community centers. Such effort and procedure will be provided to the City for review. 5) Compliance with Applicable Laws and Regulations: Contractor shall perform all requirements under the contract in strict observance of and in compliance with all applicable environmental, traffic, safety and any other laws, regulations, ordinances, codes and any other legislative or statutory requirements. a. Contractor warrants that the performance of services under the contract shall be compliant with the current requirements of the Occupational Safety and Health Act (OSHA) and as it may be amended or updated throughout the term of the contract. 26 City of Santa Ana RFP. Homeless Navigation Center INSURANCE REQUIREMENTS Prior to undertaking performance of work under this Agreement, Contractor shall maintain and shall require its subcontractor, if any, to obtain and maintain insurance as described below: 1) Commercial General Liability Insurance. Contractor shall maintain commercial general liability insurance, which shall include, but not be limited to protection against claims arising from bodily and personal injury, including death resulting there from and damage to property, resulting from any act or occurrence arising out of Contractor's operations in the performance of this Agreement, including, without limitation, acts involving vehicles. The amounts of insurance shall be not less than the following: single limit coverage applying to bodily and personal injury, including death resulting there from, and property damage, in the total amount of $2,000,000 per occurrence, $2,000,000 in the aggregate. 2) Business automobile liability insurance, or equivalent form, with a combined single limit of not less than $2,000,000 per occurrence. Such insurance shall include coverage for owned. hired and non -owned automobiles. 3) Worker's Compensation Insurance. In accordance with the provisions of Section 3300 of the Labor Code, Contractor is required to be insured against liability for worker's compensation or to undertake self-insurance. Prior to commencing the performance of the work under this Agreement, Contractor agrees to obtain and maintain any employer's liability insurance with limits not less than $1,000,000 per accident. 4) The following requirements apply to the insurance to be provided by Contractor pursuant to this section: b) Commercial general liability and business automobile insurance policies shall (a) name the City, Homeless Division, its officers, employees, agents, volunteers and representatives as additional insured(s); (b) be primary and not contributory with respect to insurance or self-insurance programs maintained by the City and Homeless Division; and (c) contain standard separation of insureds provisions. Insurance must include 30 Days' Notice of Cancellation with 10 Days' Notice for Non -Payment of Premium in accordance with policy provisions and an additional insured endorsement. Contractor shall maintain all insurance required above in full force and effect for the entire period covered by this Agreement. B) Certificates of insurance shall be furnished to the City Risk Management and Homeless Division upon execution of this Contract and shall be approved in form by the City Attorney and Risk Management Division. Certificates and policies shall state that the policies shall 27 City of Santa Ana RFP: Homeless Navigation Center not be canceled or reduced in coverage or changed in any other material aspect without thirty (30) days prior written notice to the City and Homeless Division. 7) If Contractor fails or refuses to produce or maintain the insurance required by this section or fails or refuses to furnish the City and the Homeless Division with required proof that insurance has been procured and is in force and paid for, the City and Homeless Division shall have the right, at the City's/Homeless Division's election, to forthwith terminate the Contract. Such termination shall not affect Contractor's right to be paid for its time and materials expended prior to notification of termination. Contractor waives the right to receive compensation and agrees to indemnify the City and the Homeless Division for any work performed prior to approval of insurance by the City and Homeless Division. M City of Santa Ana RFP: Homeless Navigation Center dak,��I� e�uwtt;�itirarY �;ak�lur�r7�wrala�� �uxN��t �•�9�@rY�li�i�fu��( (Aaase resporl p tal the. Items hNiedl and add aiddNY anal I1netl1wons you antictpatel OffAfte Prr4,fdrn Raiff RAW. :FACRAY Cl'STa A. ,.«,..4..-,— .,M.-..-.�.,....a.—.,k .. vlt- I A.kete L",etecfun s : Eh:sY. I'.aritGrxl A�K'`U fiaa.�.: _ ..rm- ram.-..., �lrinlBtn+ttG* -.m....,x. .r,«�,."`-._ .--'"'.,.,._-'»..-.x..�-.,.-,....-_-.-.,,.-�-a=�.--.•--.--"'--� ...-.....»-mom.-..,�.. _._ e..--.,.-......,.-..-..,.s,�..a__-ry, "'Faci05 ��l ad�kbxnat 4t54t9� tr. ra. de@�rn�in�d h�atvwaen Prmvp�rY�s Cbsinne�ts, Llth� �ptra§Lrr� 4ekamc tNre shelxer gyke;fr,�s iiiHXfA CAP WS Start 4Ap �."�xRs CAe5pr1 ,rtiyre7, Ma,uY:h Casfi hnmua! SG3C MWD, offict 1;6arY� t7)Y'1a@Yd t➢k&�N136 kpifrbi .�- �, - g. _ -L'O1[+4N,U'NlA M0,0.+M MOWHLYAND ANHUiA4,WAR I It:MONT,'. ;---,- cast no Ckuhnx P'er.cemeaare. to kse applied each fi xall'yrsr I�epjml'ring luwh. .�la'�. 4 17'u9.1 Ve"r. clrM: 29 City of Santa Ana RFP: Homeless Navigation Center EXHIBIT A - CONTRACTOR'S STATEMENT PROPOSAL AND CONTRACT AGREEMENT CONTRACTOR'S STATEMENT Contractor understands and agrees that this written RFP (or any part thereof specifically designated and accepted by the City of Santa Ana and the Community Development Agency, Homeless Services Division, hereinafter collectively referred to as the City) shall constitute the entire agreement between Contractor and the City only after it has been accepted by the City Council, endorsed by the Clerk of the Council with her signature and official seal noting here on the action of approval of the Council, signed by the Executive Director or his/her duly authorized agent, and signed by the City Attorney, denoting her approval of the form of this document, and its execution, and when it or an exact copy of it has been either delivered to Contractor or deposited with the United States Postal Service properly addressed to the Contractor with the correct postage affixed thereto. Contractor understands that a proposal is required for the entire work, that the estimated quantities set forth in the RFP schedule are solely for the purpose of comparing proposals, and that final compensation under the contract will be based upon the actual quantities of work satisfactorily completed. All terms contained in the Specifications, the Certification of Non -Discrimination by Contractor, and the Workers' Compensation Insurance Certificate are to be incorporated by reference into this Agreement and are made specifically as part of this RFP. ORGANIZATION NAME SIGNATURE PRINT NAME TITLE DATE 30 City of Santa Ana RFP: Homeless Navigation Center EXHIBIT B - CERTIFICATION OF NON- DISCRIMINATION PROPOSAL AND CONTRACT AGREEMENT CONTRACTOR'S CERTIFICATION OF NON-DISCRIMINATION The undersigned Contractor or corporate officer, during the performance of this contract, certifies as follows: 1. The Contractor shall not discriminate against any employee or applicant for employment because of race, color, religion, sex, or national origin. The Contractor shall take affirmative action to ensure that applicants are employed, and that employees are treated during employment without, regard to their race, color, religion, sex, or national origin. Such action shall include, but not be limited to, the following: employment, upgrading, demotion, or transfer; recruitment or recruitment advertising; layoff or termination; rates of pay or other forms of compensation; and selection for training, including apprenticeship. The Contractor agrees to post in conspicuous places, available to employees and applicants for employment, notices to be provided setting forth the provisions of this nondiscrimination clause. 2. The Contractor shall, in all solicitations or advertisements for employees placed by or on behalf of the Contractor, state that all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, or national origin. 3. The Contractor shall send to each labor union or representative of workers with which he has a collective bargaining agreement or other contract or understanding, a notice to be provided advising the said labor union or workers' representatives of the Contractors commitments under this section, and shall post copies of the notice in conspicuous places available to employees and applicants for employment. 4. The Contractor shall comply with all provisions of Executive Order 11246 of September 24, 1965, and of the rules, regulations, and relevant orders of the Secretary of Labor. 5. The Contractor shall furnish all information and reports required by Executive Order 11246 of September 24, 1965, and by rules, regulations, and orders of the Secretary of Labor, or pursuant thereto, and will permit access to his/her books, records, and accounts by the administering agency and the Secretary of Labor for purposes of investigation, to ascertain compliance with such rules, regulations, and orders. 6. In the event of the Contractor's non-compliance with the nondiscrimination clauses of this contract or with any of the said rules, regulations, or orders, the contract may be canceled, terminated, or suspended in whole or in part and the Contractor may be declared ineligible 31 City of Santa Ana RFP: Homeless Navigation Center for further Government contracts or federally assisted construction/services contracts in accordance with procedures authorized in Execution Order 11246 of September 24, 1965,and such other sanctions may be imposed and remedies invoked as provided in Executive Order 11246 of September 24, 1965, or by rule, regulations, or order of the Secretary of Labor, or as otherwise provided by law. 7. The Contractor shall include the portion of the sentence immediately preceding paragraph (1) and the provisions of paragraphs (1) through (7) in every subcontract or purchase order unless exempted by rules, regulations, or orders of the Secretary of Labor issued pursuant to Section 204 of Executive Order 11246 of September 24, 1965, so that such provisions will be binding upon each subcontract or purchase order as the administering agency may direct as means of enforcing such provisions, including sanctions for noncompliance; provided, however, that in the event the Contractor becomes involved in, or is threatened with, litigation with a subcontractor or vendor as a result of such direction by the administering agency, the 8. Contractor may request that the United States enter into such litigation to protect the interests of the United States. 9. Pursuant to California Labor Code Section 1735, as added by Chapter 643 Stats. 1039, and as amended, No discrimination shall be made in the employment of persons because of race, religious creed, color national origin, ancestry, physical handicaps, mental condition, marital status, or sex of such persons, except as provided in Section 1420, and any Contractor violating this Section is subject to all the penalties imposed for a violation of the Chapter. FIRM SIGNED AND PRINTED NAME TITLE E• 32 City of Santa Ana RPA: Homeless Navigation Center EXHIBIT C - NON -COLLUSION AFFIDAVIT PROPOSAL AND CONTRACT AGREEMENT NON -COLLUSION AFFIDAVIT (Title 23 United States Code Section 112 and Public Contract Code Section 7106) To the CITY OF SANTA ANA COMMUNITY DEVELOPMENT AGENCY In accordance with Title 23 United States Code Section 112 and Public Contract Code 7106 the CONTRACTOR declares that the bid is not made in the interest of, or on behalf of, any undisclosed person, partnership, company, association, organization, or corporation; that the bid is genuine and not collusive or sham; that the CONTRACTOR has not directly or indirectly induced or solicited any other CONTRACTOR to put in a false or sham bid, and has not directly or indirectly colluded, conspired, connived or agreed with any CONTRACTOR or anyone else to put in a sham bid, or that anyone shall refrain from bidding; that the CONTRACTOR has not in any manner, directly or indirectly, sought by agreement, communication, or conference with anyone to fix the bid price of the CONTRACTOR or any CONTRACTOR, or to fix any overhead, profit, or cost element of the bid price, or of that of any other CONTRACTOR, or to secure any advantage against the public body awarding the contract of anyone interested in the proposed contract; that all statements contained in the bid are true; and, further, that the CONTRACTOR has not, directly or indirectly, submitted his or her bid price or any breakdown thereof, or the contents thereof, or divulged information or data relative thereto, or paid, and will not pay, any fee to any corporation, partnership, company association, organization, bid depository, or to any member or agent thereof to effectuate a collusive or sham bid. Note: The above Non -collusion Affidavit is part of the Proposal. Signing this Proposal on the signature portion thereof shall also constitute signature of this Non -collusion Affidavit. CONTRACTORS are cautioned that making a false certification may subject the certifier to criminal prosecution. Signature and Notary Seal on the next page 33 City of Santa Ana RFP: Homeless Navigation Center PROPOSAL AND CONTRACT AGREEMENT NON -COLLUSION AFFIDAVIT SIGNATURE PAGE FIRM SIGNED AND PRINTED NAME TITLE State of California County of DATE Subscribed and sworn to (or affirmed) before me on this day of 201 by proved to me on the basis of satisfactory evidence to be the person(s) who appeared before me. Notary Public Signature Notary Public Seal _ 34 City of Santa Ana RFP: Homeless Navigation Center EXHIBIT D - COMMITMENT TO ENTER INTO MEMORANDUM OF UNDERSTANDING WITH THE SANTA ANA WORK CENTER PROPOSAL AND CONTRACT AGREEMENT NON -COLLUSION AFFIDAVIT Contractor understands and agrees that s/he will be required to enter into a Memorandum of Understanding (MOU) with the Santa Ana WORK Center to coordinate services. The purpose of the MOU is to establish a cooperative working relationship between the parties in order to provide program beneficiaries with information about WORK Center opportunities to find better jobs and careers. The MOU serves to establish the framework for providing services to employers, job seekers and others needing workforce services. The goal is to ensure that all program beneficiaries have been provided an opportunity to connect with the WORK Center and be assisted with the tools and knowledge necessary to enter the workforce or obtain a higher - paying job. The Santa Ana WORK Center is available to connect program beneficiaries to a full range of no - cost services, resources and opportunities to help: • Build the skills employers want most • Access training and/or education programs that lead to employment Find the jobs and employers who are hiring • Screen for additional employment or social services • Receive support to succeed in job search Contractors are encouraged to contact the Santa Ana WORK Center at (714) 565-2629 to learn more about their programs and services and the terms and conditions of the MOU. A template for the MOU will be provided promptly to the Contractor after the announcement of an award. All terms contained in the Memorandum of Understanding are to be incorporated by reference into this Agreement and are made specifically as part of this RFP. FIRM SIGNED AND PRINTED NAME TITLE DATE 35 City of Santa Ana RFP: Homeless Navigation Center 0 THE ILLUMINATION FO UNDATION NA VIGA TION CENTER SCOPE OF SERVICES CASE MANAGEMENT A Case Manager's primary function is to connect clients to an array of social services, entitlements, Food Stamps, Medi-Cal, and assist clients with completing any applications for SSI, SSDI, Unemployment or retirement benefits. In addition, a Case Manager will work closely with the client to secure vital documents needed to obtain permanent housing such as:Birth Certificate, Driver's License or ID card, Social Security card, Passport, etc. Case Managers will also be the primary point of contact when assisting clients through legal issues, homeless court, and traffic tickets. Case Managers meet weekly, and at times much more frequently with clients to develop goals, to obtain and maintain housing, and to become stable and active in the community at large. Most importantly, Case Managers assist Housing Navigators when preparing a client for permanent housing. This service is typically offered upon arrival and then weekly thereafter, but may be more frequent based on the clients specific needs and goals. IZOUSINGNAVIGATIONANDSUSTAINABILITYSERVIC . Housing Navigators support Case Managers as they work with clients to gain housing. A Housing Navigator's job is to cultivate and maintain housing inventory suitable to meet the needs of our clients. Housing Navigators assist clients when navigating the Housing Authority and the housing voucher system, landlord/tenant relations, rights and responsibilities of tenants. In addition, Housing Navigators can assist clients with a"hands on" approach when doing walkthroughs of potential units and introductions of the landlord and client. Housing Navigators assist clients from the housing application process through to the move in. Housing Navigators continue to support clients in housing as retention and stabilization specialists as well. This service is typically offered once a client has completed the vital documents acquisition and income verification process with their assigned Case Manager. This is an ongoing process, and clients will meet at least 2x monthly with their Housing Navigator to start off with. SITE/PR 0GRAM MANAGEMENT The Site Manager is responsible for the day-to-day supervision of the facility and all staff assigned to the facility. Site Managers will maintain the facility up to city building codes and contractual obligations at all times. Site Managers serve as arbiter in client issues, and set standards of performance for all direct reports. Additionally, Site Managers will track and report on all contractual data and outcome reporting. SITEASSISTANTS Site Assistants' primary function is to assist clients with their day-to-day needs including but not limited to: bedding, hygiene supplies, storage of personal items, transportation to and from appointments, laundry or food service where a client is physically incapable of completing these tasks without assistance. Site Assistants will also be responsible for the daily upkeep and 1 cleanliness of the facility. In addition, a Site Assistant's role is to engage each client on a daily basis, build trust and rapport and ultimately a relationship that will allow for mutual communication and respect. This foundation is instrumental in addressing emergent issues with clients, and assisting in crisis de-escalation. Site Assistants will typically complete their assigned duties and rounds multiple times daily during their assigned shifts. SUBSTANCE USE COUNSELING The role of the Substance Use Counselor is to address clients who by their own admission suffer from the negative impact of substance use in their lives. Counselors will use a "Harm Reduction" approach when making contact with clients. The Harm Reduction model recognizes that each individual has the right to self-determination. We have had success with this approach, seeing numerous clients modify or discontinue use of substances. Counselors will be able to reflect back some of the negative and lasting effects that substance use may be having in a client's life, and offer them the therapeutic tools and support to build their own customized Recovery Plan. This service will typically be offered to every client who self identifies as having a substance use issue, or is curious to know more about SUD and its potential harmful effects on their health. This service is also offered and encouraged for clients who have suffered from chronic homelessness as many times it becomes a barrier to them being able to attain more sustainable housing options. PRIMARY CARE AND BEHAVIORAL HEALTHSERVICES Illumination Foundation partners with Illumination Foundation Medical Group (IFMG) to provide medical and mental health services on -site and if appropriate, off -site at an IFMG clinic. All on -site services are provided for Carnegie Shelter guests only. Further, it is understood that the site will not house recuperative care beds. IFMG primary care medical team provides preventive care services, medical screenings, illness and injury management, chronic disease management, medication assisted treatment and referral to specialty care. IFMG's health care team includes a physician, psychiatrist, nurse practitioner, behavioral health therapists, and dentist. Services are provided by IFMG and billed directly to the client's healthcare network, and are considered a part of shelter operations. No cost is accrued by the City at any time for this service. This service is offered on a referral basis to those clients who wish to receive primary care services, and do not currently have their own primary care provider. These services are offered on an ongoing basis and are based on the physician's recommendations of frequency as indicated by each client's unique healthcare needs. The role of the Behavioral Health Therapist is to provide individual and group psychotherapy sessions. Using evidence -based practices, therapists deliver services which focus on trauma, behavioral responses and reactions, communication, improving function and success in activities of daily living, and positive engagement in the community. Therapists support clients in establishing trust and rapport with others, and recognizing maladaptive behaviors and relationships. This plays a key role in preparing long-term or chronically homeless individuals for the possibility of being housed and remaining stably housed, as well as managing employment tasks and developing skills to remain successful in employment related activities 7 and interactions. These services are typically offered initially upon arrival following intake assessments, and on an ongoing basis based on each client's specific needs and wishes for support of this kind. PROGRAMLAYOUT The Navigation Center will include the following on -site amenities: • Sleeping Area • Pet Accommodations • Dining/Commons Area • Food Storage , Refrigeration, and Prep Area • Security Offices/Station • Site -Administration and Operations Offices In addition, the site will also feature: • Outdoor Facilities/Areas • Bike Rack Area • Outdoor Commons ADMISSION CRITERIA • Intake and Private Meeting Areas • Restroom and Shower Areas • Laundry Facilities • Client Storage Area • Recreational Opportunities • Access to Computers • Pet Area • Two cubic feet of storage space per client All clients must be literally homeless in the City of Santa Ana. Clients will be admitted through the reservation system, and must be referred by organizations approved by the City. A prospective client must be willing to participate in creating and working a housing plan, follow facility expectations, and maintain appropriate behavior with consideration for other clients. All clients must review and sign a copy of the "Client Expectation" document prior to entry. Intake staff will assist any clients who may have difficulty understanding or reviewing these expectations. A form of official identification is required to verify identity; however, a client will not be denied access to services without one Case Managers and/or Housing Navigators will assist clients in obtaining a California ID, providing each client with a no -cost ID voucher. EXIT PROCEDURES When a client must be exited for serious or continued rule violations, the following procedure will be used: • The client will have the procedure explained in a polite and concise manner. • The client will be given 2-3 alternatives for shelter (based on availability), and will be assisted with gathering all belongings. • Client will be asked to sign a Discharge document (client's refusal to sign will be noted and a second staff signature will suffice). 3 • Client will be transported to either the shelter they have chosen or to one of the preapproved drop off/pick up destinations. When a client is exiting into housing or reuniting with family, they will sign the coinciding documents, gather their belongings, receive a certificate of successful completion, and be transported to their new living arrangement. GOOD NEIGHBOR POLICY Illumination Foundation is committed to communication with neighbors on an ongoing basis. As part of this commitment, a public inquiry phone number and contact information will be posted. Community stakeholders may call this number for information about the site or to have any questions answered. Any community complaints and/or inquiries about the program will be recorded and forwarded to the appropriate staff for prompt investigation. Illumination Foundation will be fully committed to an appropriate customer service response and will consider the resolution of community complaints a high priority. Illumination Foundation will also create and maintain a program website that will include important information for community stakeholders and clients alike. The website will include a "Frequently Asked Questions" section which will help to provide instant answers to community concerns. Illumination Foundation will highlight volunteer, in -kind, and donation opportunities encouraging community support for the program. Illumination Foundation is committed to communicating and working collaboratively with the City, law enforcement, and fire departments through all stages of program implementation- from facility design to program execution. The intention of Illumination Foundation is to be as self-sufficient as possible and minimize the facility's impact on the local police and fire departments. This includes ensuring that staff and security are trained to properly manage and respond to an array of difficult situations that may occur at the facility. Illumination Foundation will provide an array of services and support that will be beneficial to local police and fire departments. These services include, but will not be limited, to: • Security Officers stationed both on -site and at shuttle locations • Designated beds reserved each night for law enforcement referrals • Staff Neighborhood Patrol will monitor surrounding area to control issues of loitering, abandoned property, and other blight • Training opportunities on mental illness, homeless sensitivity, or other topics of interest to supplement existing department trainings • Direct referral access to the Coordinated Entry System to connect homeless individuals with housing opportunities • Statistical reports on number of clients served, length of stay and/or demographic information 4 Illumination Foundation will be committed to active participation in city and county -wide community events. To the extent that is reasonable and feasible, representatives of Illumination Foundation will attend meetings of the local Neighborhood Association(s) and local Chamber of Commerce(s) when invited, and communicate with neighborhood and business participants. Additionally, Illumination Foundation may sponsor special events, such as community resource fairs, which will include the community and the neighborhood on various occasions. Illumination Foundation will exercise their best efforts to prioritize Santa Ana residents while hiring for this facility, but may hire from any geographic area if necessary. STAFF TRAINING All Program staff will be trained when hired in: emergency evacuation, first aid procedures, mandated reporting policies, crisis intervention, Narcan and CPR procedures. This training will be repeated and updated annually and as needed. Staff may receive additional training on different topics as opportunities arise and are needed. Each staff member also receives on -going in-service training in crisis management, strength -based approaches, trauma -informed care, motivational interviewing, mediation, and positive communication skills. Security staff will be provided sensitivity training to better equip them to work with homeless clients, and those in crisis. ACCESS TO SAFE SHELTER The Navigation Center will be accessible 24 hours a day, seven days/week, 365 days a year. In order to decrease the impact to the surrounding neighborhood, access to bed availability will be handled through a reservation system. No walk-ins for the Navigation Center Program or services will be permitted. Illumination Foundation shall prioritize all beds at the facility for use by persons who reside in Santa Ana, based on reasonable criteria established to determine residency. Approved referral agencies are City of Santa Ana authorities, including but not limited to members of the Santa Ana Police Department, Santa Ana staff, and/or third -parties under contract with the City for outreach and engagement services with homeless individuals. This includes CityNet, Illumination Foundation, and the Orange County Health Care Agency. LENGTH OFSTAY Illumination Foundation proposes a 120- to 180-day length of stay; however based on a client's vulnerability, chronicity, and available housing inventory, more time may be required. It is Illumination Foundation's goal to match all eligible individuals to appropriate permanent housing at the earliest opportunity. Each client will have a Case Manager and Housing Navigator supporting their progress toward housing stabilization. The program is designed to 5 provide this support until a housing option becomes available. However, at any time a client may be exited from the shelter for safety or continual shelter violations. SLEEPINGAREAS Due to the nature of this facility, beds provided will be single beds, in a dorm setting. Each client will be assigned a pillow and bedding for the length of their stay. Bedding will be washed and changed at regular intervals to promote health and cleanliness. Space will be divided to allow for separate sleeping areas for men and women, couples and families. Flexible sleeping space will also be provided for the transgender population, those dealing with illness or for other special needs populations. PET FRIENDLY Illumination Foundation believes in providing support for the most vulnerable individuals and their companion animals. The Navigation Center Program will provide space for a total of 30 companion/service/support animals. Clients may bring one pet with them up to the shelter maximum of 30. Animals must be maintained by the clients, however Illumination Foundation can help with linkage to animal resources, including veterinary and hygiene services in most cases. GRIEVANCE PROCEDURES Illumination Foundation endeavors to provide each client with a welcoming, caring, and compassionate experience. When a client feels that they have been treated unfairly, they are encouraged to undertake the grievance process as follows: • Attempt to address their grievance with the staff on site and/or site manager. • If this is not successful, each client, upon request will be provided with an IF grievance form. This form will be completed by the client and will list the name of client, date the alleged incident took place, any narrative the client wishes to include, and their preferred form of contact. • IF will perform an investigation into the incident, documenting all findings. • IF will, in most cases return with a finding within 7-10 days, but no later than 30 days. • The client will be contacted by the Director or equivalent to resolve the grievance, if grounds were found. • In the event no grounds are found, or when a client is dissatisfied with the outcome, they will be assisted with contacting the Ombudsman for further pursuit of their claim. MEALS Breakfast, lunch, dinner, and healthy snacks will be provided for all clients in a central dining area. IF's intention will be to make full use of the commercial kitchen to prepare food in-house. However, we will need time to properly assess and execute on a plan to do so. In the interim, IF 9 would utilize the services of our long-time partners to fill this need until such time we are fully equipped to prepare food in-house. Moreover, once the commercial kitchen is fully operational and adequately staffed, there will be a potential opportunity to leverage workforce training opportunities for shelter guests. HYGIENE FACILITIES Hygiene facilities will be provided on -site including toilets and showers. Clients will be encouraged to utilize these facilities daily. Toiletries will be provided by Illumination Foundation to clients as needed. Laundry will be done by paid staff and volunteers at intake. Clients will be assisted with their laundry on a weekly basis to ensure a healthy shelter environment. As a preventative measure, upon entry all client's clothes and belongings will be sanitized and washed to prevent the spread of pests and allergens. TRANSPORTATION Illumination Foundation will provide transportation in vans and shuttles to predetermined drop off/pick up locations throughout the city as determined by the City of Santa Ana. In addition, Illumination Foundation will provide clients with transportation to and from doctors appointments, social services appointments, housing appointments and any other destination that is in alignment with the client's established housing plan. Illumination Foundation will provide vans (3 vehicles running twice daily) as primary transportation means. Other transportation may be completed by Uber, Lyft, Veyo and OCTA depending on the availability of transportation, the volume of clients requiring transportation on a given day, and the client's vulnerability and capabilities. SECURITY Illumination Foundation will contract with a state -licensed security vendor that will be stationed inside and outside of the facility property 24 hours a day 7 days a week. For the Carnegie Shelter, a minimum of three security personnel at all times will be provided. Illumination Foundation will follow policies and procedures that promote utmost safety for clients, staff, volunteers, and the community. Illumination Foundation will strive to provide an atmosphere that promotes community, stays alert for signs of conflict, and confronts behaviors before they escalate. The security plan will include a multifaceted approach involving secured entrances, security searches upon entrance, confiscation of harmful contraband, trained security personnel providing around -the -clock indoor and outdoor coverage, security cameras. and lighting. Other program elements that will support security efforts include no wall, ups and no loitering policies. INVOICING & COMPLIANCE Illumination Foundation will remain in full compliance with all City, County, State and Federal guidelines relating to the services provided, labor, timekeeping and reporting. HUD guidelines will be strictly followed in the preparation, collection and submission of timecards for the purpose of invoicing. We will ensure to the best of our ability that submitted timecards will largely adhere to the staffing plan and schedule provided and notify the City should material changes that impact the budget are necessary. 7 h- } d ¢ o 0 0 0 0 0 o u. a Q LL LL LL LL z z z z LL LL ui in N Z Z Z Z Z Z 0 0 0 0 0 0 Q Q Z Z Z Z 00 Q :i Q 00 W W V V M 0 (O t0 N ¢ o a o o O LL IA LL m Q ¢_ ¢_ ¢. YI V1 LLLL. lLLl. M N M N M LL LL M M zz Z Z Z Z " '� N N O O i; 0 0 O g g Z Z Z Z Z. Z. O O i O 0 ¢ d d d g d d d d d g d N 0 MM Q 0 o a R N N N M d d W Mro V d, t+0i fD (O N M 0 W W Ll g g a a� Q o 0 a s 0 o o o o o 0 0 0 0 o 0 a s a o 0 Q N Y1 M¢¢¢ Q. YI N LL LL LL LL N N LL LL LL LL poi m a Q. ¢¢¢ 19 in N 1Q 0 o LL o 0 0 0 0 " '� g Z Z Z Z Z Z. N N LL O O O g g g O LL d d g d d 7 7 d d a d d d g d d o d d o m o M a s N N o 0 0 o G R a o 0 ro w w m y y M of M � m ro m m co co N m m M of O p o N a a O¢ Q Q Q o 19 0 h 0 N o N a N IL IL o 0 0 z z z Q Q¢ N N Ln M M LL 0 N 0 Yl Z Z z Z O O M' Z Z Z z Z Z N `'00 g g O O O M M 0 W OJ 0 W W om o 0 W T '9 0 m 0 m z z z z 7 �' M N m N LL ll LL LL- M m �+- I.� z. z. ¢. z Q¢ ui uj 0 vi o ui O M p m o M LL 0 i9 0 ui Z g h r Z Z. Z. Z g g O O w O Z Z. Z Z Z Z `' `� � g d g g g Q W o M o M o o a a d d o 0 0 o d d d d 3: Mw' ro� ro ro ro ro a a D o o a a o 0 L9. N o o¢¢ Q Q �j uj M M LL N m M M LL Q Q Q Q¢ Q o iA 0 i0 o LL O LL o 0 0 0 iO wi. M m z Z Z Z 7 7 7 7O lL Z Z Z z Z Z: h ti O O O I=- OJ M M W [O OJ ¢) N M a a a a p VI LL Vl LL Q LLOa LL COaN'1 N LL LL MNa N O OZzZz O O OgzZZzZZ0 Q :i O Oc :imO OLL dO aN aV aV Ns d(O d(p N W lLLl. y (p to U U U U U U U U O z W m4 2 O 0> W U ? zN vQwQiz LLWm1 tz N H Q: 0 Uz F d } a a d d d d d d d a g d o o o a o 0 0 0 o 0 0 o a u o- ❑ LLLi. lLLi LL LLLL ILLL ILLi. � Q ILLL 0 'dommRomroadLLiOmaoNdOMURaodoinoJ LLd0'dMma0aOMMaYdOMNa0? Z ZLLosM0odmM000dodMmsNd0dmrof oNdamdNdN�d0WdNd0f LL LLLaaOmOa0dOMNLaoQd0�aoommaoJ 0 0 0 0 0 0 0oodmmaamMg00dCOMNd0md0dm�S 0pZ 0lLLmNmdNNad�d00ddMd¢0dNl] Zq 0auaOMMa0VdOMOao�doa0¢oMwtoJifi 0LLaommsOMMsa0iOMWdoq�d0�a00dMo4f: 0 OLLro�Gf�a0t�¢(adO�a�dt�dO'O0i 0LLLL¢OMMaoOdMMd0NgdmmaoYdoM�aO 0 N}Q4Nt}2IQ❑W?r�QQQ'❑W}'U~Q`'i-�G' a d d � 21 ood0MmsaMWo0gdm[0Nd0wL0dn�O - LLLLOaoa�WoodOWaor000dnwaooj: 19 LL�¢�r�¢aM�ada00 LLMoMMaa�ado'dowaodrooa00nfi O Z Z Z O OO O 0 o o ZQ do CR o d '4 v Q �eoNLL�acdamo��odN�aNt�d-iD 192 2i � ZZ OO 000 Z a a❑ L9 T T N LL L9N Z Zi 'OO 2 0 0 0 0 0 Z � g �dgadgag`a�ad; a s d a a o M o Q 0 0C'R jQN ' L�doMms0N0dCroAI ZZ 00 0 Z d19 OZZ� m In N In In M a a a QL9 N 19 9 M N V N I W O Z O< J �� - u : Z LLO000msCOWood(Oad�aoM�dM¢dro'J.1' ' I? LL a Q LL LL h N N ui N N <C. Q R. LL o LL '? O t O Z 0 0i� N LL M `; Z Z ILLi N H o '- LLLi 0 O " 0 g 0 :i 0 0 O d 0 0 0 o O a a N N N a a a o o a R o m of m m ro o5 ro ro j`?`�. ` U U U U U U U U d O N K a o N a g W U > I d d d 0 0 o o LL LL LL LL LL LL LL LL LL LL '4 m M M m LL coi '� m m con LL LLLL LL LL o 0 0 ZQ LL LL LL LL LL LL LL LL LL LL .N- .N- m m �'�' °% N °? LL. �4 LLLL LL '4 t N N o LLLL D 0 0 0 0 0 0 0 0 O O g g O g g 0 00 0 g 0 00 m m y a m d. y m m N O ry ro ro ro � ro >- a g g Q g a g d d d d d d d d ❑ o o a o o a o o o o o 0 0 0 0 o 0 0 o a o o a a o 0 LL LL LL LL LL LL '? `2 ton V °i LL m LL N N O F O 0 g 2 0 0 �; 0� O g 0 0 �';' 0 0 O g g " 0 0 0� 0 O g O o O 0 O te? d d d g g W W W W W W g of g g Vim' L g g a g a g g g g g g g g 2 a a a a s a um L a s a: a `q Qo 0 0 o o 4 LL LL M m LL LL M m LL LL LL LL o 0 0 0 0 0 o 0 0 ❑ u! m o m N i i N '? N LL LL N LL LL LL LL LL LL L N � N 19. 0 o LL 0 0 0 0 g g 0 0 0 O g g �.O LL¢ a g d d d d d d d d d d d d d d g g d d 0 0 0 0 0 0 0 o a s o 0 0 0 0 o a s m ro ro ro ro ro ro ro ro m of roof ro ro ro m 0 o a o 0 0 0 o d d d d d d d ❑ o o d a o 0 0 0 o a o 0 0 0 0 0 0 0 0 0 0 0 0 �' a U) N 'n O O y9 N L9 'A �R M M [+1 LL IL M m M LL LL LL M Ip N YI O M O LL LL o 0 m f7 {1' W W LL. N `�' g g r g g g g g 0 0 g g g 0 0 O g g g g g g g 00 g g z d d d d d d d d d d d d a d d d ¢ d g d d m M a d M M a a a N N N N O O O O O O ¢ a O O m In m M V d' V (7 M V. CJ M [+f t9 (O M f+I M M OJ OJ W M aJ M cO W [O M OJ M m M o 0 6. a 0 0 0 0 0 0 L)J O O N L9 b N 'n 0 M 0 M LL LL 0 M 0 m 0 M LL 0 N 0 m 0 m 0 M 0 0 '2 0 lA 0 0 N 0 N M LL O O �n �n N N LL LL ro N M M 'n in D n g g g 5� g 0 0 g g 0 W d d 2 g d d a d a s d d d d d d a d d d d 0 N M M OJ M OJ W W W N M M CI M M [O a d a a a Q 0 0 a s 0 0 0 0 0 0 0 0 0 o a o a o 0 o a o 0 17 0 '2 g g r LLLi .N- M ro °7 LL W ;. 2 g O g O:5 g Z5 0 0 O `- D d d d d d d d d d d d d g d d d d d g g d d F o 0 0 0 0 0 0 o a a a ry N, c o a a N o O o o a d a o 0 of ro ro ad w of ro ro ro ro m a6 ro ro of } d d d d d d d d Q 0 o 0 o 0 o 0 o 0 o 0 0 0 0 0 0 0 0 0 o a a s o ❑ LL LL h LL '" LL `� LL LL LL n ';' N m m LL 0 m 0 '? 0 M 0 M 0 M 0 uj LL 0 N LL 0 iri LL � LL m m � LL Z 2 LL LL LL LL LL m m o�i LL ry ry o LL 0 O O g O g 0 0 0 g g 0% O g g g g 0 g 0 0 0 O 0 O :� 0 d d d d d d g d d d d i d d d d g g d O M O Cl O In O In O M O M a a N N O m a d N 0 Nf O M O a a p_ O V V R V m (O (O N m h 0 L C) 0 u Q ik 7k 4 # tk ik Yk U U U U U U U U U Yk 7k tk ik # 3k 7# ik a a o z° U' 0 IK P � OU �. (9 as g � W zo OS h w a D z N F= ❑ OU Carnegie Navigation Center Operating Budget - 200 Individuals PERSONNEL On -Site Daily Number of Program Staff: Daily site aids 12 over two shifts On -Site Night Staff: 3-4/shift On -Site Number of Speciah PROGRAM Client Transportation Bus Passes/Ride Share Description hicles, fuel, maintenance, insurance Bus/Uber/Lyft Monthly Cost Year 1(12 mo) Cost $ 6,000 $ 72,000 $ 500 $ 6,000 Meals/Snacks/BeveragesMeals Shelter Supplies ]W3 per day, snacks and drinks Paper Goods, TP, $ 60,833 $ 730,000 Pet Care Direct Client Needsaundry, Food, supplies, limited pet care hygiene,diapers,clothing $ 1,000 $ 12,00Other $ 6,083 $ 73,000 PROGRAM TOTAL 1 $ 74,4171 $ 893,000 FACILITY COSTS * Security Services Description 3FTEs for 24/7 Coverage Monthly Cost Annual Cost $ 45,990 $ 551,880 Janitorial Appliance Repairs Service & Supplies Laundry, kitchen $ - $ - $ - $ - Maintenance Repairs Pest Control Telecom/Wi-Fi Security Equipment (One -Time Cost) Plumbing, electricity On -Going Service TBD $ 6,000 $ 500 $ $ 72,000 6,000 $ 3,000 $ 36,000 N/A NA Insurance Disposal Liability Trash services $ 1,250 $ 15,000 $ - $ - FACILITyTOTAL $ 56,740 1 $ 680,880 *Additional Facility costs/to be determined between Property Owners, City, Operator before the shelter opens OTHER EXPENSES Description Office Supplies Computers,printers, cell phones Monthly Cost Annual Cost $ 605 $ 7,260 Other Staff meetings, travel and misc. Ldit, $ 2,454 $ 29,448 Admin Overhead professional fees, office supplies, OTHER EXPENSE TOTAL TOTAL OP.ERATING'CO$T: M0Nf1IL1(AN1DANNUAQYEAH1 1-Im'CIN-0 - $ $ 27,101 30,160 $ $ 325,215 361,923 $ 298,114 $ 3,577,866 Cost of Living to be applied each fiscal year beginning in Year of the contract and annually thereafter. 1.50% $ 49.01 Digitally signed by Francine R. Francine R. Villareal Villareal AC")? CERTIFICATE OF LIABILITY INSURANCE DATE(MMID 21wY) THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such enciorsement(s). PRODUCER Bowermaster & Associates 10805 Holder St Ste 350 Cypress CA90630 CONTACT NAME: Llzette Orozco PHONE 714-733-6248 FAX No: ADDRIESS• lorozco bowermaster.com INSURERS AFFORDING COVERAGE NAIC# INSURERA: Philadelphia Indemnity Insurance 18058 INSURED ILLUFOU-01 Illumination Foundation 1091 N. Batavia Street INSURER B: Redwood Fire & Casualty Insurance 11673 INSURERC: Nonprofits' Insurance Alliance of California 11384 INSURER D Orange CA 92867 INSURER E : INSURER F COVERAGES CERTIFICATE NUMBER: 1394503630 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS, MEN LTR TYPE OF INSURANCE ADDL SUER POLICY NUMBER POLICY EFF MM/DDIYYYY POLICY II MM/DD/YYYYI LIMITS C X COMMERCIALGENERAL LIABILITY CLMMS-MAOE El OCCUR Y 2021-24712 9/15/2021 9/15/2022 EACH OCCURRENCE $1,000,000 CXVAGET -RENTED PREMISES Ea occurrence $500,000 X MED EXP (Any one parson) $2Q000 Prof Liability PERSONAL A ADV INJURY 000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERA -AGGREGATE 000 POLICY PRO- ❑ LOC X JECT PRODUCTS - COMP/OP AGG000 OTHER C AUTOMOBILE LIABILITY 2021-24712 9/15/2021 9/15/2022 COMBINED SINGLE LIMIT F3,O 000EaaccldentX BODILY INJURY (Per person)OWNED ANV AUTO SCHEDULED ONLY AUTOS BODILY INJURY Per accidentAUTOS ( )X HIRED X NON'WNED AUTOS ONLY AUTOS ONLY PROPERTY DAMAGE Per occident C X UMBRELLALIAB X I OCCUR 2021-24712-UMB 9/15/2021 9/1512022 EACH OCCURRENCE $7,000,000 ri AGGREGATE $7,000,000 EXCESS LIAB CLAIMS -MADE DED I I RETENTION$ $ B WORKERS COMPENSATION AND EMPLOYERS' LIABILITY YIN ILWC209336 1/1/2021 1/1/2022 X PER OTH- STATUTE ER E.L. EACH ACCIDENT $1,000,000 ANYPROPRIETORPARTNEREXECUTIVE ❑ OFFICERIMEMBEREXCLUDED'! NIA E.L. DISEASE - EA EMPLOYEE $1,000,000 (Mandatory in NH) f yes, describe under DESCRIPTION OF OPERATIONS below E.L. DISEASE -POLICY LIMIT $1,000,000 A C Commercial Cyber Liability Improper Sexual Conduct PHSDI575498 2021-24712 9/15/2021 9/15/2021 9/15/2022 9/15/2022 Agg:$3,000, 0001Each Agg:$1.000,000IEach $1,000,000 $1,000,000 DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space Is required) Re Location: 1815 Carnegie Avenue, Santa Ana, CA 92705 Certificate Holder is Additional Insured as respects to General Liability per attached endorsement form. Coverage applies on a Primary basis per attached endorsement form. Excess/Umbrella coverage is follow form over the primary General Liability. SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN City of Santa Ana ACCORDANCE WITH THE POLICY PROVISIONS. Risk Management Division 20 Civic Center Plaza AUTHORIZED REPRESENTATIVE Santa Ana CA 92701 NnF RiskManagEmentDit'iebn Y REVIEWED&APP,RIOVSr.a P, S ©1988-2015 ACORD C s �`' Ff".e .�" ACORD 25 (2016103) The ACORD name and logo are registered marks of ACORD Risk Management Analyst THIS CERTIFICATE SUPERSEDES PREVIOUSLY ISSUED CERTIFICATE POLICY NUMBER: 2021-24712 COMMERCIAL GENERAL LIABILITY CG 20 26 12 19 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - DESIGNATED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Person(s) Or Organization(s): Blanket as required by written contract Wor agreement Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A. Section II — Who Is An Insured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability for "bodily injury", 'property damage" or 'personal and advertising injury" caused, in whole or in part, by your acts or omissions or the acts or omissions of those acting on your behalf: 1. In the performance of your ongoing operations; or 2. In connection with your premises owned by or rented to you. However: 1. The insurance afforded to such additional insured only applies to the extent permitted by law; and 2. If coverage provided to the additional insured is required by a contract or agreement, the Insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. B. With respect to the insurance afforded to these additional insureds, the following is added to Section III — Limits Of Insurance: If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on behalf of the additional insured is the amount of insurance: 1. Required by the contract or agreement; or 2. Available under the applicable limits of insurance; whichever is less. This endorsement shall not increase the applicable limits of insurance. CG 20 26 12 19 © Insurance Services Office, Inc., 2018 Malt Mwvgw=tDMslan i�4 REUIEWD)&APrPr1R1�OppV�)®BYgg: Rbk Management Analy t NONPROFITS INSURANCE �■ ALLIANCE OF CALIFORNIA A Head far Insurance. A Heart for Nonprofits. POLICY NUMBER: 2021-24712 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 1 111k111[11111)►FG101Z&1111:I 1] PRIMARY AND NON-CONTRIBUTORY ENDORSEMENT FOR PUBLIC ENTITIES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART C3Q:I=1Bill 44 Name of Person or Organization: A. Section II — WHO IS AN INSURED is amended to Include: 4. Any public entity as an additional insured, and the officers, officials, employees, agents and/or volunteers of that public entity, as applicable, who may be named in the Schedule above, when you have agreed in a written contract or written agreement presently in effect or becoming effective during the term of this policy, that such public entity and/or its officers, officials, employees, agents and/or volunteers be added as an additional insured(s) on your policy, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by: a. Your negligent acts or omissions; or b. The negligent acts or omissions of those acting on your behalf; in the performance of your ongoing operations. No such public entity or individual is an additional insured for liability arising out of the sole negligence by that public entity or its designated individuals. The additional insured status will not be afforded with respect to liability arising out of or related to your activities as a real estate manager for that person or organization. B. Section III — LIMITS OF INSURANCE is amended to include: 8. The limits of insurance applicable to the public entity and applicable individuals identified as an additional insured(s) pursuant to Provision A.4. above, are those specified in the written contract between you and that public entity, or the limits available under this policy, whichever are less. These limits are part of and not In addition to the limits of insurance under this policy. C. With respect to the insurance provided to the additional insured(s), Condition 4. Other Insurance of SECTION IV —COMMERCIAL GENERAL LIABILITY CONDITIONS is replaced by the following: 4. Other Insurance a. Primary Insurance This insurance is primary if you have agreed in a written contract or written agreement: (1) That this insurance be primary. If other insurance is also primary, we will share with all that other insurance as described in c. below; or NIAC-E61 02 19 Risk Mangmnrat Welon REVIEWED&APPROVmar. p {� Vr,�pp�� ��� 81 fi r'AAr1YM�E �, N�FFE/ee6.4 Risk Management Analyrt NONPROFITS INSURANCE ALLIANCE OF CALIFORNIA A Head for Insurance. A Haart for Nonprofits. POLICY NUMBER: 2021-24712 (2) The coverage afforded by this insurance is primary and non-contributory with the additional insured(s)' own insurance. Paragraphs (1) and (2) do not apply to other insurance to which the additional insured(s) has been added as an additional insured or to other insurance described in paragraph b. below. b. Excess Insurance This insurance is excess over: 1. Any of the other insurance, whether primary, excess, contingent or on any other basis: (a) That is Fire, Extended Coverage, Builder's Risk, Installation Risk or similar coverage for "your work' (b) That is fire, lightning, or explosion insurance for premises rented to you or temporarily occupied by you with permission of the owner; (c) That is insurance purchased by you to cover your liability as a tenant for "property damage" to premises temporarily occupied by you with permission of the owner; or (d) If the loss arises out of the maintenance or use of aircraft, "autos" or watercraft to the extent not subject to Exclusion g. of SECTION I —COVERAGE A— BODILY INJURY AND PROPERTY DAMAGE. (a) Any other insurance available to an additional insured(s) under this Endorsement covering liability for damages which are subject to this endorsement and for which the additional insured(s) has been added as an additional insured by that other insurance. (1) When this insurance is excess, we will have no duty under Coverages A or B to defend the additional insured(s) against any "suit" if any other insurer has a duty to defend the additional insured(s) against that "suit". If no other insurer defends, we will undertake to do so, but we will be entitled to the additional insured(s)' rights against all those other insurers. (2) When this insurance is excess over other insurance, we will pay only our share of the amount of the loss, if any, that exceeds the sum of: (a) The total amount that all such other insurance would pay for the loss in the absence of this insurance; and (b) The total of all deductible and self -insured amounts under all that other insurance. (3) We will share the remaining loss, if any, with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part. c. Methods of Sharing If all of the other insurance available to the additional insured(s) permits contribution by equal shares, we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever comes first. If any other the other insurance available to the additional insured(s) does not permit contribution by equal shares, we will contribute by limits. Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. N IAC-E61 02 19 gA REMEWEo>&per ROVED Sr. MEMORisk Management Analyst NONPROFITS INSURANCE ALLIANCE OE CALIFORNIA A Head for Insurance. A Heart for Nonprofits, NONPROFITS INSURANCE ALLIANCE OF CALIFORNIA (NIAC) www.insurancefornonprofits.org SCHEDULE A - SCHEDULE OF UNDERLYING INSURANCE POLICY NUMBER: 2021-24712-UMB CONTROL NUMBER: 24712 NAME OF INSURED: Illumination Foundation; Integrated Community Healthcare Solutions; Home4Health Broadway, LLC; Illumination Housing, LLC TYPE OF POLICY APPLICABLE LIMITS INSURER POLICY # APPLICABLE PERIOD (A) Automobile Bodily Injury and Property Damage NIAC 09/15/2021 to 09115/2022 Liability Combined Single Limit ........................................ $1,000,000 2021-24712 Business Uninsured/Underinsured Motorist ....................... N/A Auto (Does not include:Terrorism Coverage - Certified Acts) (B) Commercial Each Occurrence Limit...I.............................. $1,000,000 NIAC 09/15/2021 to 09/15/2022 General General Aggregate Limit ................................ $3,000,000 2021-24712 Liability Products/Completed Operations Aggregate Limi $3,000,000 Personal & Advertising Injury Limit .................... $1,000,000 Damage to Premises Rented to You .................... N/A (any one premises) (Does not include:Terrorism Coverage - Certified Acts) (C) Social Each Occurrence Limit ................................... $1,000,000 NIAC 09/15/2021 to 09/15/2022 Service Aggregate Limit ••••••••• $3,000,000 2021-24712 Professional Liability (Does not include:Terrorism Coverage - Certified Acts) (D) Standard Coverage B - Employers Liability Workers Compensation & Employers Bodily Injury by Accident ..................................... N/A Each Accident Liability Bodily Injury by Disease ..................................... N/A Each Employee Bodily Injury by Disease ..................................... N/A Policy Limit (E) Improper Each Occurrence Limit ...................................... $1,000,000 NIAC 09/15/2021 to 09/15/2022 Sexual General Aggregate Limit ................................. $1,000,000 2021-24712 Conduct and Physical Abuse (Does not include:Terrorism Coverage - Certified Ads) (F) Directors' Each Wrongful Act Limit ................................. $1,000,000 NIAC 09/15/2021 to 09/15/2022 And Aggregate Limit ................................................ $2,000,000 2021-24712-DO Officers' (Does not include:Terrorism Coverage - Certified Acts) (G) Liquor Each Common Cause Limit ............................ $1,000,000 NIAC 09/15/2021 to 09/15/2022 Liability Aggregate Limit ................................................ $1,000,000 2021-24712 (Does not include:Terrorism Coverage - Certified Acts) (H) Employee Each Employee ................................................ $1,000,000 NIAC Benefits Aggregate Limit $3,000,000 2021-24712 ................................................ Liability (Does not include:Terrorism Cover 09/15/2021 to 09/15/2022 3 t. R®kMmxgtrrtenCDtWatnn REVIEWED& AP,P1IRa�VV/ED BY. ignaiM.�t•e �. Y�CfFArkG Risk Management Analyst EBUF!)NN0EE0ZZZZ* DFSUJGJDBUF!PG!MJBCJMJUZ!JOTVSBODF UIJT!DFSUJGJDBUF!JT!JTTVFE!BT!B!NBUUFS!PG!JOGPSNBUJPO!POMZ!BOE!DPOGFST!OP!SJHIUT!VQPO!UIF!DFSUJGJDBUF!IPMEFS/!UIJT DFSUJGJDBUF!EPFT!OPU!BGGJSNBUJWFMZ!PS!OFHBUJWFMZ!BNFOE-!FYUFOE!PS!BMUFS!UIF!DPWFSBHF!BGGPSEFE!CZ!UIF!QPMJDJFT CFMPX/!!UIJT!DFSUJGJDBUF!PG!JOTVSBODF!EPFT!OPU!DPOTUJUVUF!B!DPOUSBDU!CFUXFFO!UIF!JTTVJOH!JOTVSFS)T*-!BVUIPSJ\[FE SFQSFTFOUBUJWF!PS!QSPEVDFS-!BOE!UIF!DFSUJGJDBUF!IPMEFS/ JNQPSUBOU;!!Jg!uif!dfsujgjdbuf!ipmefs!jt!bo!BEEJUJPOBM!JOTVSFE-!uif!qpmjdz)jft*!nvtu!ibwf!BEEJUJPOBM!JOTVSFE!qspwjtjpot!ps!cf!foepstfe/ Jg!TVCSPHBUJPO!JT!XBJWFE-!tvckfdu!up!uif!ufsnt!boe!dpoejujpot!pg!uif!qpmjdz-!dfsubjo!qpmjdjft!nbz!sfrvjsf!bo!foepstfnfou/!!B!tubufnfou!po uijt!dfsujgjdbuf!epft!opu!dpogfs!sjhiut!up!uif!dfsujgjdbuf!ipmefs!jo!mjfv!pg!tvdi!foepstfnfou)t*/ DPOUBDU QSPEVDFS OBNF; GBY QIPOF )B0D-!Op*; )B0D-!Op-!Fyu*; F.NBJM BEESFTT; JOTVSFS)T*!BGGPSEJOH!DPWFSBHFOBJD!$ JOTVSFS!B!; JOTVSFE JOTVSFS!C!; JOTVSFS!D!; JOTVSFS!E!; JOTVSFS!F!; JOTVSFS!G!; DPWFSBHFTDFSUJGJDBUF!OVNCFS;SFWJTJPO!OVNCFS; UIJT!JT!UP!DFSUJGZ!UIBU!UIF!QPMJDJFT!PG!JOTVSBODF!MJTUFE!CFMPX!IBWF!CFFO!JTTVFE!UP!UIF!JOTVSFE!OBNFE!BCPWF!GPS!UIF!QPMJDZ!QFSJPE JOEJDBUFE/!!OPUXJUITUBOEJOH!BOZ!SFRVJSFNFOU-!UFSN!PS!DPOEJUJPO!PG!BOZ!DPOUSBDU!PS!PUIFS!EPDVNFOU!XJUI!SFTQFDU!UP!XIJDI!UIJT DFSUJGJDBUF!NBZ!CF!JTTVFE!PS!NBZ!QFSUBJO-!UIF!JOTVSBODF!BGGPSEFE!CZ!UIF!QPMJDJFT!EFTDSJCFE!IFSFJO!JT!TVCKFDU!UP!BMM!UIF!UFSNT- FYDMVTJPOT!BOE!DPOEJUJPOT!PG!TVDI!QPMJDJFT/!MJNJUT!TIPXO!NBZ!IBWF!CFFO!SFEVDFE!CZ!QBJE!DMBJNT/ BEEMTVCS JOTSQPMJDZ!FGGQPMJDZ!FYQ UZQF!PG!JOTVSBODFMJNJUT QPMJDZ!OVNCFS MUS)NN0EE0ZZZZ*)NN0EE0ZZZZ* JOTEXWE DPNNFSDJBM!HFOFSBM!MJBCJMJUZ FBDI!PDDVSSFODF% 9 EBNBHF!UP!SFOUFE DMBJNT.NBEFPDDVS% QSFNJTFT!)Fb!pddvssfodf* 9 NFE!FYQ!)Boz!pof!qfstpo*% 9 QFSTPOBM!'!BEW!JOKVSZ% HFO(M!BHHSFHBUF!MJNJU!BQQMJFT!QFS;HFOFSBM!BHHSFHBUF% QSP. QPMJDZMPDQSPEVDUT!.!DPNQ0PQ!BHH% KFDU 9 % PUIFS; DPNCJOFE!TJOHMF!MJNJU BVUPNPCJMF!MJBCJMJUZ% )Fb!bddjefou* BOZ!BVUPCPEJMZ!JOKVSZ!)Qfs!qfstpo*% PXOFETDIFEVMFE CPEJMZ!JOKVSZ!)Qfs!bddjefou*% BVUPT!POMZBVUPT 9 IJSFEOPO.PXOFEQSPQFSUZ!EBNBHF % )Qfs!bddjefou* BVUPT!POMZBVUPT!POMZ % VNCSFMMB!MJBC PDDVSFBDI!PDDVSSFODF% FYDFTT!MJBC DMBJNT.NBEFBHHSFHBUF% EFESFUFOUJPO%% QFSPUI. XPSLFST!DPNQFOTBUJPO TUBUVUFFS 9 BOE!FNQMPZFST(!MJBCJMJUZ Z!0!O BOZ!QSPQSJFUPS0QBSUOFS0FYFDVUJWF F/M/!FBDI!BDDJEFOU% O!0!B PGGJDFS0NFNCFS!FYDMVEFE@ )Nboebupsz!jo!OI* F/M/!EJTFBTF!.!FB!FNQMPZFF% Jg!zft-!eftdsjcf!voefs EFTDSJQUJPO!PG!PQFSBUJPOT!cfmpxF/M/!EJTFBTF!.!QPMJDZ!MJNJU% EFTDSJQUJPO!PG!PQFSBUJPOT!0!MPDBUJPOT!0!WFIJDMFT!!)BDPSE!212-!Beejujpobm!Sfnbslt!Tdifevmf-!nbz!cf!buubdife!jg!npsf!tqbdf!jt!sfrvjsfe* Ejhjubmmz!tjhofe! cz!Uv!Usbo! Uv!Usbo! Ohvzfo! Ebuf;!3136/15/19! Ohvzfo CzUvUsboOhvzfobu5;67qn-Bqs19-3136 27;68;2:!.18(11( DFSUJGJDBUF!IPMEFSDBODFMMBUJPO TIPVME!BOZ!PG!UIF!BCPWF!EFTDSJCFE!QPMJDJFT!CF!DBODFMMFE!CFGPSF UIF!FYQJSBUJPO!EBUF!UIFSFPG-!OPUJDF!XJMM!CF!EFMJWFSFE!JO BDDPSEBODF!XJUI!UIF!QPMJDZ!QSPWJTJPOT/ BVUIPSJ\[FE!SFQSFTFOUBUJWF ª!2:99.3126!BDPSE!DPSQPSBUJPO/!!Bmm!sjhiut!sftfswfe/ BDPSE!36!)3127014*Uif!BDPSE!obnf!boe!mphp!bsf!sfhjtufsfe!nbslt!pg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juz!pg!Tboub!Bob-!jut!Djuz!Dpvodjm-!pggjdfst-!pggjdjbmt-!fnqmpzfft-!bhfout-!boe!wpmvouffst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pmjdz!Ovncfs;!251113318 Uif!Tpmvujpo!gps!Ifbmuidbsf Hfofsbm!Ufsnt!boe!Dpoejujpot OPUJDF!UP!JOTVSFET;!GPS!BMM!MJBCJMJUZ!DPWFSBHFT!)PUIFS!UIBO!UIF!HFOFSBM!MJBCJMJUZ! PDDVSSFODF!DPWFSBHF!QBSU-!JG!QVSDIBTFE*-!UIJT!JT!B!DMBJNT!NBEF!BOE!SFQPSUFE!QPMJDZ/! DPWFSBHF!JT!POMZ!BWBJMBCMF!GPS!DMBJNT!GJSTU!NBEF!BHBJOTU!UIF!JOTVSFE!EVSJOH!UIF! QSPWJTJPOT/ Jo!dpotjefsbujpo!pg!uif!qbznfou!pg!uif!qsfnjvn-!uif!Jotvsfs boe!uif!Jotvsfet bhsff!bt!gpmmpxt;! J/QSFBNCMF Uif!jotvsbodf!dpwfsbhft!pggfsfe!jo!uijt!Qpmjdz!bsf!qbsu!pg!b!qpsugpmjp!pg!jotvsbodf!dpwfsbhft-!dpotjtujoh!pg!uijt Hfofsbm!Ufsnt!boe! uif!Efdmbsbujpot/!!Uif!uzqf!pg!dpwfsbhf!qspwjefe!cz!fbdi!pg!uif!Dpwfsbhf!Qbsutjt!jefoujgjfe!jo!fbdi!qbsujdvmbs Dpwfsbhf!Qbsu/!!Fydfqu!gps!uif!HUDpg!uijt!Qpmjdz-!ps!vomftt!puifsxjtf!tubufe!up!uif!dpousbsz!jo!boz!Dpwfsbhf Qbsu-!uif!ufsnt!boe!dpoejujpot!pg!fbdi!Dpwfsbhf!Qbsu!pg!uijt!Qpmjdz!bqqmz!pomz!up!uibu!Dpwfsbhf!Qbsu!boe!tibmm opu!bqqmz!up!boz!puifs!Dpwfsbhf!Qbsu!pg!uijt!Qpmjdz/!Jg!b!qspwjtjpo!pguif!HUDpg!uijt!Qpmjdz!jt!jodpotjtufou!ps!jo dpogmjdu!xjui!b!qspwjtjpo!pg!b!Dpwfsbhf!Qbsu-!uif!qspwjtjpo!pg!uif!Dpwfsbhf!Qbsu!tibmm!dpouspm!gps!qvsqptft!pg dpwfsbhf!uifsfvoefs/ Beejujpobm!Jotvsfe nfbot!boz!qfstpo!ps!foujuz!sfrvjsfe!voefs!b!xsjuufo!dpousbdu!xjui!uif!Obnfe!Jotvsfe up!cf!obnfe!bt!bo!beejujpobm!jotvsfe!po!uif!jotvsbodf!qpmjdjft/ Bqqmjdbujpo nfbot; B/uif!bqqmjdbujpo!gpsnt!boe!boz!tvqqmfnfoubm!bqqmjdbujpo!gpsnt-!jodmvejoh!uiptf!gpsnt!pg!boz puifs!jotvsbodf!dbssjfs!ps!dpnqboz-!xijdi!bsf!tvcnjuufe!up!uif!Jotvsfs jo!dpoofdujpo!xjui!uif bqqmjdbujpo!boe!voefsxsjujoh!qspdftt!gps!uijt!Qpmjdz-!ps!boz!qsjps!qpmjdz!pg!xijdi!uijt!jt!b sfofxbm<!boe C/boz!boe!bmm!nbufsjbmt!boe!jogpsnbujpo!tvcnjuufe!up!uif!Jotvsfs jo!dpoofdujpo!xjui!uif!bqqmjdbujpo boe!voefsxsjujoh!qspdftt!boe!bmm!qvcmjdmz!bwbjmbcmf!nbufsjbm!efwfmpqfe!ps!ejttfnjobufe!cz!uif Jotvsfe!bcpvu!uif!Jotvsfe uibu!uif!Jotvsfs pcubjofe!qsjps!up!uif!Fggfdujwf!Ebuf!pg!uif!Qpmjdz< bmm!pg!xijdi!bsf!effnfe!up!cf!po!gjmf!xjui!uif!Jotvsfs boe!bsf!effnfe!up!cf!buubdife!up-!boe!gpsn! b!qbsu!pg!uijt!Qpmjdz-!bt!jg!qiztjdbmmz!buubdife/ Bvup nfbot!b!mboe!npups!wfijdmf-!usbjmfs!ps!tfnjusbjmfs!eftjhofe!gps!usbwfm!po!qvcmjd!spbet-!jodmvejoh!boz! buubdife!nbdijofsz!ps!frvjqnfou/ Cjpnfusjd!Ebub nfbot!boz!jogpsnbujpo!ps!ebub!vtfe!up!jefoujgz!b!obuvsbm!qfstpo!cbtfe!po!bo!bobupnjdbm! sfujob!ps!jsjt!tdbo-!gjohfsqsjou-!wpjdfqsjou-!ps!boz!sfdpse!pg!iboe!ps!gbdf!hfpnfusz-!sfhbsemftt!pg!ipx!tvdi! jogpsnbujpo!ps!ebub!jt!dbquvsfe-!dpowfsufe-!tupsfe!ps!tibsfe/!! Cpejmz!Jokvsz nfbot!qiztjdbm!jokvsz-!tjdloftt!ps!ejtfbtf!tvtubjofe!cz!b!qfstpo-!jodmvejoh!efbui!sftvmujoh! gspn!boz!pg!uiftf/!!Cpejmz!Jokvsz bmtp!jodmveft!nfoubm!bohvjti!ps!fnpujpobm!ejtusftt-!cvu!pomz!jg!tvdi!nfoubm! bohvjti!ps!fnpujpobm!ejtusftt!sftvmut!gspn!qiztjdbm!jokvsz/ Dmbjn nfbot;! B/b!xsjuufo!efnboe!gps; NMQM.IDNN.3116!)15.35*Qbhf!2pg33 ª-!3135/ 2/npofubsz!ebnbhft<!ps 3/bo!bscjusbujpo-!nfejbujpo!ps!boz!puifs!bmufsobujwf!ejtqvuf!sftpmvujpo!qspdffejoh-!gps!npofubsz! ebnbhft<! xijdi!tibmm!cf!effnfe!gjstu!nbef!vqpo!sfdfjqu!pg!tvdi!efnboe!cz!bo!Jotvsfe<!ps C/b!djwjm!qspdffejoh!gps!npofubsz!ebnbhft-!xijdi!tibmm!cf!effnfe!gjstu!nbef!vqpo!uif!tfswjdf!pg!b!djwjm! dpnqmbjou!ps!tjnjmbs!qmfbejoh-!ps!boz!frvjwbmfou!uifsfpg< bhbjotu!bo!Jotvsfe gps!b!Xspohgvm!Bdu/ Tpmfmz!xjui!sftqfdu!up!JOTVSJOH!BHSFFNFOU!J/D/!Ejtdjqmjobsz!Qspdffejoht!Dpwfsbhf!pg!uif!Qspgfttjpobm! Mjbcjmjuz!Dpwfsbhf!Qbsu-!Dmbjn nfbot!b!Ejtdjqmjobsz!Qspdffejoh/ Tpmfmz!xjui!sftqfdu!up!JOTVSJOH!BHSFFNFOU!J/F/!IJQBB!Dmbjnt!Dpwfsbhf!pg!uif!Qspgfttjpobm!Mjbcjmjuz! Dpwfsbhf!Qbsu-!Dmbjn nfbot!b!IJQBB!Dmbjn/ Dpnqboz nfbot; B/uif Obnfe!Jotvsfe<!boe C/boz!Tvctjejbsz xijdi!fyjtut!bt!pg!uif!Fggfdujwf!Ebuf!pg!uijt!Qpmjdz-!cvu!pomz;! 2/xjui!sftqfdu!up!uif!tfswjdft!boe!pqfsbujpot!ejtdmptfe!jo!uif!Bqqmjdbujpo< 3/gps!jut!Xspohgvm!Bdut jo!dpoofdujpo!xjui!uif!Qspgfttjpobm!Tfswjdft jefoujgjfe!po!uif!Efdmbsbujpot<! boe 4/jg!op!puifs!wbmje!boe!dpmmfdujcmf!jotvsbodf!jt!bwbjmbcmf!up!uif!Tvctjejbsz gps!uif!Dmbjn/ Efgfotf!Dptut nfbot!boz!pg!uif!gpmmpxjoh!dptut!ps!fyqfotft!jodvssfe!jo!uif!jowftujhbujpo-!ofhpujbujpo-!efgfotf!ps! tfuumfnfou!pg!boz!dpwfsfe!Dmbjn; B/sfbtpobcmf!boe!ofdfttbsz!fyqfotft!jodvssfe!cz!uif!Jotvsfs po!uif!cfibmg< C/sfbtpobcmf!gfft!dibshfe!cz!buupsofzt!tfmfdufe!ps!qsf.bqqspwfe!cz!uif!Jotvsfs up!efgfoe!bo!Jotvsfe< boe D/uif!dptu!pg!bqqfbm!cpoet!ps!cpoet!up!sfmfbtf!buubdinfout-!cvu!pomz!gps!cpoe!bnpvout!xjuijo!uif!bqqmjdbcmf! Mjnjut!pg!Mjbcjmjuz<!qspwjefe!uibu!uif!Jotvsfs xjmm!opu!cf!pcmjhbufe!up!bqqmz!gps!ps!gvsojti!uiftf!cpoet/ Fnqmpzff nfbot!uif!gpmmpxjoh!obuvsbm!qfstpot; B/b!qfstpo!qfsgpsnjoh!xpsl!ps!tfswjdft!gps!b!Dpnqboz!gps!xbhft!ps!puifs!dpnqfotbujpo!po!b!gvmm.ujnf!ps! qbsu.ujnf!cbtjt< C/b!mfbtfe!xpslfs-!ps!b!qfstpo!mfbtfe!up!b!Dpnqboz!cz!b!mbcps!mfbtjoh!gjsn!voefs!bo!bhsffnfou!cfuxffo! uif Dpnqboz!boe!uif!mbcps!mfbtjoh!gjsn-!up!qfsgpsn!evujft!sfmbufe!up!uif!dpoevdu!pg!uif! cvtjoftt<!boe D/b!ufnqpsbsz!xpslfs-!ps!b!qfstpo!xip!jt!tvctujuvujoh!gps!b!qfsnbofou!fnqmpzff!po!mfbwf!ps!jt!offefe!up! nffu!tfbtpobm!ps!tipsu.ufsn!xpslmpbe!dpoejujpot-!gps!b!Dpnqboz< NMQM.IDNN.3116!)15.35*Qbhf!3pg33 ª-!3135/ cvu!pomz!gps!Xspohgvm!Bdut dpnnjuufe!xijmf!bdujoh!xjuijo!uif!tdpqf!pg!uifjs!evujft!gps!b!Dpnqboz/ Fnqmpznfou!Qsbdujdft nfbot!boz!bdut-!fsspst!ps!pnjttjpot-!qsbdujdft-!qpmjdjft!ps!qspdfevsft!sfmbujoh!up! fnqmpznfou!ps!qsptqfdujwf!fnqmpznfou!xjui!boz!Dpnqboz-!jodmvejoh!cvu!opu!mjnjufe!up!uif!gpmmpxjoh;!csfbdi!pg! boz!fnqmpznfou!dpousbdu-!jodmvejoh!boz!dpousbdu!ps!bhsffnfou!xjui!b!mbcps!vojpo<!gbjmvsf!ps!sfgvtbm!up!ijsf!ps!fnqmpz<! ejtnjttbm-!ejtdibshf-!sfevdujpo!jo!gpsdf-!epxotj{joh!ps!ufsnjobujpo!pg!fnqmpznfou-!xifuifs!bduvbm!ps!dpotusvdujwf<! efnpujpo-!sfbttjhonfou-!gbjmvsf!ps!sfgvtbm!up!qspnpuf-!ps!efqsjwbujpo!pg!dbsffs!pqqpsuvojuz<!ejtdjqmjof!pg!fnqmpzfft<! fwbmvbujpo!pg!fnqmpzfft<!ejtdsjnjobujpo!ps!ibsbttnfou!pg!boz!ljoe!ps!po!boz!cbtjt!jodmvejoh!cvu!opu!mjnjufe!up!sbdf-! tfy-!nbsjubm!tubuvt-!bodftusz-!qiztjdbm!ps!nfoubm!iboejdbqt-!bhf-!tfyvbm!qsfgfsfodf-!qsfhobodz!ps!sfmjhjpo!ps!puifs! tubuvt!uibu!jt!qspufdufe!voefs!boz!bqqmjdbcmf!gfefsbm-!tubuf!ps!mpdbm!tubuvuf!ps!psejobodf<!ivnjmjbujpo!ps!efgbnbujpo<! iut!voefs! uif!mbx<!fnqmpznfou.sfmbufe!njtsfqsftfoubujpot<!ps!gbjmvsf!up!jnqmfnfou!bqqspqsjbuf!xpslqmbdf!ps!fnqmpznfou! qpmjdjft!ps!qspdfevsft/ Fyfdvujwf!Pggjdfs nfbot!uif!Dijfg!Fyfdvujwf!Pggjdfs-!Dijfg!Gjobodjbm!Pggjdfs-!Hfofsbm!Dpvotfm-!Sjtl!Nbobhfs-!ps! uif!tvctuboujbm!frvjwbmfou!pg!boz!pg!uif!gpsfhpjoh-!pg!uif!Dpnqboz/ Gjstu!Obnfe!Jotvsfe nfbot!uif!gjstu!foujuz!mjtufe!jo!Jufn!2/!pg!uif!Efdmbsbujpot/ Iptujmf!Gjsf nfbot!b!gjsf!uibu!dboopu!cf!dpouspmmfe!boe!ftdbqft!gspn!xifsf!ju!xbt!jojujbmmz!tfu!boe!dpogjofe-!ps!pof! uibu!xbt!opu!joufoefe!up!fyjtu/ Jotvsfe nfbot!boz;! B/Dpnqboz< C/Jotvsfe!Qfstpo<!ps D/Beejujpobm!Jotvsfe-!cvu!tpmfmz!xjui!sftqfdu!up!b!Dmbjn cbtfe!vqpo-!bsjtjoh!pvu!pg!ps!sftvmujoh!gspn!uif tpmf!ofhmjhfodf!pg!b!Dpnqboz ps!b!Jotvsfe!Qfstpo/!!Uifsf!tibmm!cf!op!dpwfsbhf!voefs uijt!Qpmjdz!gps!uif!pxo Xspohgvm!Bdut/ Jotvsfe!Qfstpo nfbot!boz!qbtu-!qsftfou!ps!gvuvsf!joejwjevbm!xip!jt; B/b!qsjodjqbm-!jg!uif!Dpnqboz jt!b!tpmf!qspqsjfupstijq< C/b!qbsuofs-!jg!uif!Dpnqboz jt!b!qbsuofstijq< D/b!hfofsbm!qbsuofs!ps!nbobhjoh!hfofsbm!qbsuofs-!jg!uif!Dpnqboz jt!b!mjnjufe!qbsuofstijq< E/b!nbobhjoh!nfncfs-!jg!uif!Dpnqboz jt!b!mjnjufe!mjbcjmjuz!dpnqboz< F/bo!pggjdfs-!usvtuff!ps!nfncfs!pg!uif!Cpbse!pg!Ejsfdupst-!jg!uif!Dpnqboz jt!b!dpsqpsbujpo< G/b!nfncfs!pg!b!evmz!bvuipsj{fe!cpbse!ps!dpnnjuuff!pg!b!Dpnqboz< H/bo!benjojtusbups!pg!b!Dpnqboz< I/b!nfejdbm!ejsfdups!pg!b!Dpnqboz-!cvu!pomz!xjui!sftqfdu!up!uifjs!benjojtusbujwf!evujft!boe!opu!gps!uif!ejsfdu qspwjtjpo!pg!Qspgfttjpobm!Tfswjdft up!Qbujfout<!ps J/bo Fnqmpzff ps Wpmvouffs< cvu!pomz!xifo!bdujoh!xjuijo!uif!dbqbdjuz!boe!tdpqf!pg!uifjs!evujft!po!cfibmg!pg!b!Dpnqboz<!ps NMQM.IDNN.3116!)15.35*Qbhf!4pg33 ª-!3135/ K/b Tuvefou-!cvu!pomz!xifo!bdujoh!xjuijo!uif!tdpqf!pg!uifjs!evujft!bt!tvdi!voefs!uif!ejsfdujpo!pg!uif!Obnfe Jotvsfe/ Ipxfwfs-!Jotvsfe!Qfstpo tibmm!opu!jodmvef!uif!gpmmpxjoh!joejwjevbmt!gps!uif!ejsfdu!qspwjtjpo!pg!Qspgfttjpobm! Tfswjdft up Qbujfout-!sfhbsemftt!pg!xifuifs!tvdi!joejwjevbm!jt!bmtp!bo!Fnqmpzff-!vomftt!tvdi!joejwjevbm!jt! tqfdjgjdbmmz!mjtufe!bt!bo!Jotvsfe!Qfstpo jo!bo!Foepstfnfou!up!uijt!Qpmjdz; 2/Qiztjdjbot< 3/Tvshfpot< 4/Nfejdbm!Sftjefout< 5/Nfejdbm!Joufsot!ps!Fyufsot< 6/Dfsujgjfe!Sfhjtufsfe!Ovstf!Boftuifujtut< 7/Ovstf!Njexjwft!ps!Epvmbt< 8/Qpejbusjtut<!ps 9/Efoujtut/ Jotvsfs nfbot!uif!dpnqboz!jttvjoh!uijt!Qpmjdz!bt!joejdbufe!po!uif!Efdmbsbujpot/ Mptt nfbot!Efgfotf!Dptut boe!bnpvout!uibu!bo!Jotvsfe cfdpnft!mfhbmmz!pcmjhbufe!up!qbz!jo!dpoofdujpo!xjui!b! Dmbjn dpwfsfe!voefs!uijt!Qpmjdz/!!Mptt jodmveft!tfuumfnfout-!kvehnfout-!qsf.kvehnfou!boe!qptu.kvehnfou!joufsftu! po!boz!tfuumfnfou!ps!kvehnfou-!xifsf!sfrvjsfe!cz!mbx-!boe!qvojujwf!ps!fyfnqmbsz!ebnbhft-!xifsf!jotvsbcmf!cz! mbx/!!Ipxfwfs-!Mptt tibmm!opu!jodmvef!qvojujwf!ps!fyfnqmbsz!ebnbhft!voefs!Tfyvbm!Njtdpoevdu!boe!Qiztjdbm!Bcvtf! Dpwfsbhf!jo!uif!Qspgfttjpobm!Mjbcjmjuz!Dpwfsbhf!Qbsu/ Mptt epft!opu!jodmvef; B/bnpvout!gps!xijdi!bo!Jotvsfe jt!opu!mfhbmmz!mjbcmf< C/ubyft< D/boz!sfuvso-!sfgvoe!ps!ejthpshfnfou!pg!gfft-!qspgjut-!dibshft!ps!puifs!bnpvout< E/gjoft!ps!qfobmujft-!jodmvejoh!djwjm!ps!benjojtusbujwf!gjoft!ps!qfobmujft!boe!djwjm!npofubsz!qfobmujft< F/uif!nvmujqmjfe!qpsujpo!pg!boz!nvmujqmjfe!ebnbhft!bxbse< G/sfmjfg!ps!sfesftt!jo!boz!gpsn!puifs!uibo!npofubsz!dpnqfotbujpo!ps!npofubsz!ebnbhft-!jodmvejoh xjuipvu!mjnjubujpo!uif!dptu!pg!dpnqmzjoh!xjui!boz!jokvodujwf-!efdmbsbupsz!ps!benjojtusbujwf!sfmjfg< H/dptut!jodvssfe!cz!uif!Jotvsfe up!dpssfdu-!dpnqmfuf!ps!sf.qfsgpsn!boz!Qspgfttjpobm!Tfswjdft!ps Ufdiopmphz!Tfswjdft< I/mjrvjebufe!ebnbhft!qvstvbou!up!b!dpousbdu!ps!bhsffnfou!jo!fydftt!pg!uif!bduvbm!ebnbhft!dbvtfe!cz uif< J/boz!mptt!pg!jowftunfou!jodpnf<!ps NMQM.IDNN.3116!)15.35*Qbhf!5pg33 ª-!3135/ K/bnpvout!effnfe!vojotvsbcmf!voefs!bqqmjdbcmf!mbx/ Tpmfmz!xjui!sftqfdu!up!Qvcmjd!Sfmbujpot!Fwfou!Dpwfsbhf-!Mptt nfbot!Qvcmjd!Sfmbujpot!Fwfou!Fyqfotft/ Tpmfmz!xjui!sftqfdu!up!IJQBB!Dmbjnt!Dpwfsbhf-!Mptt nfbot!IJQBB!Efgfotf!Fyqfotft/ Tpmfmz!xjui!sftqfdu!up!Tvcqpfob!Efgfotf!Dpwfsbhf-!Mptt nfbot!Tvcqpfob!Efgfotf!Fyqfotft/ Tpmfmz!xjui!sftqfdu!up!Fwbdvbujpo!Fyqfotf!Dpwfsbhf-!Mptt nfbot!Fwbdvbujpo!Fyqfotft/ Nbobhfnfou!Dpouspm nfbot; B/ibwjoh!pxofstijq!joufsftut!sfqsftfoujoh!hsfbufs!uibo!gjguz!qfsdfou!)61&*!pg!uif!wpujoh-!bqqpjounfou-!ps! eftjhobujpo!qpxfs!gps!uif!tfmfdujpo!pg!b!nbkpsjuz!pg!uif!nfncfst!pg!uif!Cpbse!pg!Ejsfdupst!pg!b!dpsqpsbujpo-! uif!Nbobhfnfou!Dpnnjuuff!pg!b!kpjou!wfouvsfps!qbsuofstijq-!ps!uif!Nbobhfnfou!Cpbse!pg!b!mjnjufe! mjbcjmjuz!dpnqboz<! C/ibwjoh!pxofstijq!joufsftut!jo!bo!foujuz!sfqsftfoujoh!hsfbufs!uibo!gjguz!qfsdfou!)61&*!pg!uif!pvutuboejoh! tibsft!ps!frvjuz!joufsftut<!ps D/ibwjoh!uif!sjhiu-!qvstvbou!up!b!xsjuufo!dpousbdu!ps!uif!cz.mbxt-!dibsufs-!pqfsbujoh!bhsffnfou!ps!tjnjmbs! epdvnfout-!up!fmfdu-!bqqpjou!ps!eftjhobuf!b!nbkpsjuz!pg!uif!nfncfst!pg!uif!Cpbse!pg!Ejsfdupst!pg!b! dpsqpsbujpo-!uif!Nbobhfnfou!Dpnnjuuff!pg!b!kpjou!wfouvsf!ps!qbsuofstijq-!ps!uif!Nbobhfnfou!Cpbse!pg! b!mjnjufe!mjbcjmjuz!dpnqboz/ Npcjmf!Frvjqnfou nfbot!b!mboe!wfijdmf-!jodmvejoh!boz!buubdife!nbdijofsz!ps!bqqbsbuvt-!xifuifs!ps!opu! tfmg.qspqfmmfe-!uibu!jt;! B/nbjoubjofe!gps!vtf!fydmvtjwfmz!po!qsfnjtft!pxofe!cz!ps!sfoufe!up!uif!Obnfe!Jotvsfe-!jodmvejoh!uif! xbzt!jnnfejbufmz!bekpjojoh<!eftjhofe!gps!vtf!qsjodjqbmmz!pgg!qvcmjd!spbet<!boe!opu!tvckfdu!up!npups!wfijdmf! sfhjtusbujpo<!ps C/eftjhofe!ps!nbjoubjofe!gps!uif!tpmf!qvsqptf!pg!bggpsejoh!npcjmjuz!up!frvjqnfou!pg!uif!gpmmpxjoh!uzqft! gpsnjoh!bo!joufhsbm!qbsu!pg!ps!qfsnbofoumz!buubdife!up!tvdi!wfijdmf;!qpxfs!dsboft-!tipwfmt-!mpbefst-! ejhhfst!boe!esjmmt<!dpodsfuf!njyfst!)puifs!uibo!uif!njy.jo.usbotju!uzqf*-!hsbefst-!tdsbqfst-!spmmfst!boe!po! uif!spbe!dpotusvdujpo!ps!sfqbjs!frvjqnfou<!bjs.dpnqsfttpst-!qvnqt!boe!hfofsbupst!jodmvejoh!tqsbzjoh-! xfmejoh!boe!cvjmejoh!dmfbojoh!frvjqnfou<!ps!hfpqiztjdbm!fyqmpsbujpo!boe!xfmm!tfswjdjoh!frvjqnfou/ Obnfe!Jotvsfe nfbot!boz!foujuz!eftjhobufe!bt!tvdi!jo!Jufn!2/!pg!uif!Efdmbsbujpot/ Ovdmfbs!Gbdjmjuz nfbot; B/boz!Ovdmfbs!Sfbdups< C/boz!frvjqnfou!ps!efwjdf!eftjhofe!ps!vtfe!gps; 2/tfqbsbujoh!uif!jtpupqft!pg!vsbojvn!ps!qmvupojvn- 3/qspdfttjoh!ps!vujmj{joh!Tqfou!Gvfm-!ps! 4/iboemjoh-!qspdfttjoh!ps!qbdlbhjoh!Xbtuf< NMQM.IDNN.3116!)15.35*Qbhf!6pg33 ª-!3135/ D/boz!frvjqnfou!ps!efwjdf!vtfe!gps!uif!qspdfttjoh-!gbcsjdbujoh!ps!bmmpzjoh!pg!Tqfdjbm!Ovdmfbs!Nbufsjbm jg! bu!boz!ujnf!uif!upubm!bnpvou!pg!tvdi!nbufsjbm!jo!uif!dvtupez!pg!uif!Jotvsfe bu!uif!qsfnjtft!xifsf!tvdi! frvjqnfou!ps!efwjdf!jt!mpdbufe!dpotjtut!pg!ps!dpoubjot!npsf!uibo!36!hsbnt!pg!qmvupojvn!ps!vsbojvn!344! ps!boz!dpncjobujpo!uifsfpg-!ps!npsf!uibo!361!hsbnt!pg!vsbojvn!346<!ps E/boz!tusvduvsf-!cbtjo-!fydbwbujpo-!qsfnjtft!ps!qmbdf!qsfqbsfe!ps!vtfe!gps!uif!tupsbhf!ps!ejtqptbm!pg!Xbtuf< boe!jodmveft!uif!tjuf!po!xijdi!boz!pg!uif!gpsfhpjoh!jt!mpdbufe-!bmm!pqfsbujpot!dpoevdufe!po!tvdi!tjuf!boe!bmm! qsfnjtft!vtfe!gps!tvdi!pqfsbujpot/ Ovdmfbs!Nbufsjbm nfbot!Tpvsdf!Nbufsjbm-Tqfdjbm!Ovdmfbs!Nbufsjbm!ps Cz.Qspevdu!Nbufsjbm/ Ovdmfbs!Sfbdups nfbot!boz!bqqbsbuvt!eftjhofe!ps!vtfe!up!tvtubjo!ovdmfbs!gjttjpo!jo!b!tfmg.tvqqpsujoh!dibjo! sfbdujpo!ps!up!dpoubjo!b!dsjujdbm!nbtt!pg!gjttjpobcmf!nbufsjbm/ Pddvssfodf nfbot!bo!bddjefou-!jodmvejoh!dpoujovpvt!ps!sfqfbufe!fyqptvsf!up!tvctuboujbmmz!uif!tbnf!hfofsbm! ibsngvm!dpoejujpot/ Qbujfou nfbot!boz!qfstpo-!bojnbm!ps!ivnbo!cpez!tffljoh!ps!sfdfjwjoh!Qspgfttjpobm!Tfswjdft gspn!bo!Jotvsfe/ Qpmjdz!Qfsjpe nfbot!uif!qfsjpe!gspn!uif!Fggfdujwf!Ebuf!up!uif!Fyqjsbujpo!Ebuf!pg!uijt!Qpmjdz-!bt!tqfdjgjfe!jo!uif! Efdmbsbujpot-!ps!jut!fbsmjfs!dbodfmmbujpo!ebuf/ Qpmmvubou nfbot!boz!tpmje-!mjrvje-!hbtfpvt-!ps!uifsnbm!jssjubou!ps!dpoubnjobou-!jodmvejoh!tnplf-!wbqpst-!tppu-!gvnft-! bdjet-!bmlbmjt-!difnjdbmt!boe!xbtuf/!!Xbtuf!jodmveft!nbufsjbmt!up!cf!sfdzdmfe-!sfdpoejujpofe!ps!sfdmbjnfe/!Qpmmvubou tibmm!bmtp!jodmvef!cjpnfejdbm!xbtuf-!xijdi!jodmveft!boz!xbtuf!xijdi!jt!hfofsbufe!evsjoh!uif!ejbhoptjt-!usfbunfou! ps!jnnvoj{bujpo!pg!ivnbo!cfjoht!ps!jo!sftfbsdi!bdujwjujft/ Qspgfttjpobm!Tfswjdft nfbot!uif!tfswjdft!tfu!gpsui!jo!Jufn!5/!pg!uif!Efdmbsbujpot/ Qspqfsuz!Ebnbhf nfbot; B/qiztjdbm!jokvsz!up!ubohjcmf!qspqfsuz-!jodmvejoh!bmm!sftvmujoh!mptt!pg!vtf!pg!uibu!qspqfsuz/!!Bmm!tvdi!mptt!pg!vtf! tibmm!cf!effnfe!up!pddvs!bu!uif!ujnf!pg!uif!qiztjdbm!jokvsz!uibu!dbvtfe!ju<!ps C/mptt!pg!vtf!pg!ubohjcmf!qspqfsuz!pg!puifst!uibu!jt!opu!qiztjdbmmz!jokvsfe/ dsfbufe!ps!vtfe!po-!ps!usbotnjuufe!up!ps!gspn!dpnqvufs!tpguxbsf-!jodmvejoh!tztufnt!boe!bqqmjdbujpot!tpguxbsf-! ibse!ps!gmpqqz!ejtlt-!DE.SPNT-!ubqft-!esjwft-!dfmmt-!ebub!qspdfttjoh!efwjdft!ps!boz!puifs!nfejb!xijdi!bsf! vtfe!xjui!fmfduspojdbmmz!dpouspmmfe!frvjqnfou/ Sfmbufe!Xspohgvm!Bdut nfbot!bmm!Xspohgvm!Bdut cbtfe!po!ps!bsjtjoh!pvu!pg!uif!tbnf!ps!sfmbufe!bdut-!fsspst-! pnjttjpot-!gbdut-!djsdvntubodft-!tjuvbujpot-!Qbujfout-!usbotbdujpot!ps!fwfout-!ps!tfsjft!uifsfpg-!xifuifs!sfmbufe! mphjdbmmz-!dbvtbmmz!ps!jo!boz!puifs!xbz/ Sfuspbdujwf!Ebuf nfbot!uif!bqqmjdbcmf!ebuf!tfu!gpsui!po!uif!Efdmbsbujpot!pg!uijt!Qpmjdz/!! Tfyvbm!Njtdpoevdu!boe!Qiztjdbm!Bcvtf!Xspohgvm!Bdu nfbot!boz!qiztjdbm!jokvsz-!nfoubm!jokvsz-!nfoubm!jmmoftt-! nfoubm!bohvjti-!ivnjmjbujpo-!fnpujpobm!vqtfu-!tipdl-!tjdloftt-!ejtfbtf!ps!ejtbcjmjuz!dbvtfe!cz;! NMQM.IDNN.3116!)15.35*Qbhf!7pg33 ª-!3135/ B/boz!dpoevdu-!qiztjdbm!bdu-!hftuvsf-!ps!tqplfo!ps!xsjuufo!xpset!pg!b!tfyvbm!ps!qiztjdbmmz!wjpmfou!obuvsf-! jodmvejoh!cvu!opu!mjnjufe!up-!tfyvbm!joujnbdz!)xifuifs!ps!opu!dpotfotvbm*-!tfyvbm!npmftubujpo-!tfyvbm!bdu-! tfyvbm!dpoubdu-!tfyvbm!bewbodft-!sfrvftut!gps!tfyvbm!gbwpst-!tfyvbm!ps!qiztjdbm!bttbvmu!ps!cbuufsz-!tfyvbm!ps! qiztjdbm!bcvtf-!tfyvbm!ibsbttnfou!ps!fyqmpjubujpo-!ejttfnjobujpo!ps!qvcmjdbujpo!pg!tfyvbmmz!fyqmjdju!qbujfou! nbufsjbmt!ps!puifs!wfscbm!ps!qiztjdbm!dpoevdu!pg!b!tfyvbm!obuvsf<!ps! C/uifbduvbm!ps!bmmfhfe!ofhmjhfou!fnqmpznfou-!jowftujhbujpo-!tvqfswjtjpo-!ijsjoh-!usbjojoh!ps!sfufoujpo!pg!boz! qfstpo!xiptf!dpoevdu!gbmmt!xjuijo!qbsbhsbqi!B/-!bcpwf/ Tpvsdf!Nbufsjbm-Tqfdjbm!Ovdmfbs!Nbufsjbm-!boe!Cz.Qspevdu!Nbufsjbm ibwf!uif!nfbojoht!hjwfo!up!uifn!jo!uif! Bupnjd!Fofshz!Bdu!pg!2:65!ps!jo!boz!bnfoenfou!uifsfpg/ Tqfou!Gvfm nfbot!boz!gvfm!fmfnfou!ps!gvfm!dpnqpofou-!tpmje!ps!mjrvje-!xijdi!ibt!cffo!vtfe!ps!fyqptfe!up!sbejbujpo! jo!b!Ovdmfbs!Sfbdups/ Tuvefou nfbot!boz!vomjdfotfe!qfstpo-!puifs!uibo!b!sftjefou-!gpsnbmmz!fospmmfe!jo!b!mjdfotfe!ps!bddsfejufe!usbjojoh! qsphsbn!pqfsbufe!cz!uif!Obnfe!Jotvsfe qfsubjojoh!up!uif!efmjwfsz!pg!Qspgfttjpobm!Tfswjdft/ Tvctjejbsz nfbot!boz!foujuz!pwfs!xijdi!uif!Obnfe!Jotvsfe ibt!Nbobhfnfou!Dpouspm-!fjuifs!ejsfdumz!ps!joejsfdumz! uispvhi!pof!ps!npsf!Tvctjejbsjft/!B!Tvctjejbsz tibmm!opu!jodmvef!boz!qbsuofstijq-!kpjou!wfouvsf!ps!mjnjufe!mjbcjmjuz! dpnqboz-!vomftt!tqfdjgjdbmmz!eftjhobufe!bt!tvdi!jo!bo!Foepstfnfou!up!uijt!Qpmjdz/ Ufdiopmphz!Qspevdut nfbot!ibsexbsf-!gjsnxbsf-!tpguxbsf-!ufmfdpnnvojdbujpot!frvjqnfou-!fmfduspojd!efwjdft!ps! dpnqpofout-!boe!bmm!sfmbufe!frvjqnfou-!efwjdft!boe!qspevdut!xijdi!bsf!dsfbufe-!eftjhofe-!nbovgbduvsfe-!tpme!ps! ejtusjcvufe!cz!ps!po!cfibmg!pg!uif!Jotvsfe ps!mfbtfe!ps!mjdfotfe!cz!uif!Jotvsfe up!puifst/ Ufdiopmphz!Tfswjdft!nfbot!boz!ufdiopmphz!tfswjdft!qfsgpsnfe!gps!puifst!gps!b!gff!ps!puifs!sfnvofsbujpo-! jodmvejoh!cvu!opu!mjnjufe!up; B/tpguxbsf!eftjho-!efwfmpqnfou!boe!qsphsbnnjoh< C/nbobhfnfou-!usbjojoh!boe!tvqqpsu!pg!tpguxbsf< D/jogpsnbujpo!ufdiopmphz!dpotvmujoh< E/ebub!qspdfttjoh-!ebub!xbsfipvtjoh!boe!ebub!iptujoh-!jodmvejoh!ebub!fousz-!bobmztjt!boe!eftusvdujpo< F/ofuxpsl!bobmztjt-!eftjho-!jnqmfnfoubujpo!boe!joufhsbujpo< G/tfswjdft!bt!bo!joufsofu!tfswjdf!qspwjefs-!bqqmjdbujpo!tfswjdf!qspwjefs-!epnbjo!obnf!sfhjtusbs-!tfbsdi!fohjof-! xfc!cspxtfs< H/xfc!iptujoh-!nbobhfe!boe!ofuxpsl!tfdvsjuz!tfswjdft-!xfc!qpsubm!tfswjdft< I/xfctjuf!eftjho-!qsphsbnnjoh-!boe!nbjoufobodf<!boe J/dsfbujpo-!nbovgbduvsf-!efwfmpqnfou-!qspkfdu!nbobhfnfou-!ejtusjcvujpo-!mjdfotf-!mfbtf-!tbmf!ps!usbjojoh!jo! uif!vtf!pg!boz!Ufdiopmphz!Qspevdut/ Wpmvouffs nfbot!b!qfstpo!xip!qspwjeft!ijt!ps!ifs!tfswjdft!ps!mbcps!up!b!Dpnqboz-!cvu!xip!epft!opu!ibwf!b! dpousbdu!up!qspwjef-!boe!jt!opu!dpnqfotbufe!gps-!tvdi!tfswjdft!boe!mbcps/ Xbtuf nfbot!boz!xbtuf!nbufsjbm;! NMQM.IDNN.3116!)15.35*Qbhf!8pg33 ª-!3135/ B/dpoubjojoh!Cz.Qspevdu!Nbufsjbm puifs!uibo!uif!ubjmjoht!ps!xbtuft!qspevdfe!cz!uif!fyusbdujpo!ps dpodfousbujpo!pg!vsbojvn!ps!uipsjvn!gspn!boz!psf!qspdfttfe!qsjnbsjmz!gps!jut!Tpvsdf!Nbufsjbm dpoufou< boe C/sftvmujoh!gspn!uif!pqfsbujpo!cz!boz!qfstpo!ps!pshboj{bujpo!pg!boz!Ovdmfbs!Gbdjmjuz jodmvefe!voefs!uif gjstu!uxp!qbsbhsbqit!pg!uif!efgjojujpo!pg!Ovdmfbs!Gbdjmjuz/ Xspohgvm!Bdu nfbot; B/xjui!sftqfdu!up!uif!Qspgfttjpobm!Mjbcjmjuz!Dpwfsbhf!Qbsu-!boz Ifbmuidbsf!Qspgfttjpobm!Tfswjdft Xspohgvm!Bdu-Tfyvbm!Njtdpoevdu!boe!Qiztjdbm!Bcvtf!Xspohgvm!Bdu ps IJQBB!Xspohgvm!Bdu-!bt bqqmjdbcmf< C/xjui!sftqfdu!up!uif!Fnqmpzff!Cfofgjut!Mjbcjmjuz!Dpwfsbhf!Qbsu-!boz Fnqmpzff!Cfofgjut!Xspohgvm!Bdu< D/xjui!sftqfdu!up!uif!Fsspst!boe!Pnjttjpot!Mjbcjmjuz!Dpwfsbhf!Qbsu-!boz Fsspst!boe!Pnjttjpot!Xspohgvm Bdu< E/xjui!sftqfdu!up!uif!Ufdiopmphz!boe!Nfejb!Mjbcjmjuz!Dpwfsbhf!Qbsu-!boz Ufdiopmphz!Fsspst!boe Pnjttjpot!Xspohgvm!Bdu ps Nfejb!Xspohgvm!Bdu-!bt!bqqmjdbcmf< F/xjui!sftqfdu!up!uif!Hfofsbm!Mjbcjmjuz!Dpwfsbhf!Qbsu-!bozpggfotf!sftvmujoh!jo!Qfstpobm!Jokvsz ps Bewfsujtjoh!Jokvsz< G/xjui!sftqfdu!up!uif!Hfofsbm!Mjbcjmjuz!Dpwfsbhf!Qbsu-!boz Pddvssfodf sftvmujoh!jo!Cpejmz!Jokvsz-Qspqfsuz Ebnbhf-!ps!Ebnbhft!up!Qsfnjtft!Sfoufe!up!Zpv< jg!dpwfsbhf!voefs!uif!sftqfdujwf!Dpwfsbhf!Qbsu!jt!qvsdibtfe!cz!uif!Gjstu!Obnfe!Jotvsfe-!bt!tqfdjgjfe!jo! uif!Efdmbsbujpot/ JJJ/MJNJU!PG!MJBCJMJUZ B/Uif!Qpmjdz!Nbyjnvn!Bhhsfhbuf!Mjnju!pg!Mjbcjmjuz!tubufe!jo!Jufn!4)b*!pg!uif!Efdmbsbujpot!sfqsftfout!uif nbyjnvn!bhhsfhbuf!bnpvou!qbzbcmf!voefs!bmmDpwfsbhf!Qbsutdpncjofe!gps!bmm!Mptt!evsjoh!uif!Qpmjdz Qfsjpe/ C/Uif!Bhhsfhbuf!Mjnju!pg!Mjbcjmjuz!tubufe!jo!Jufn!4)c*!gps!fbdi!Dpwfsbhf!Qbsu!tibmm!cf!uif!nbyjnvn!mjbcjmjuz pg!uif!Jotvsfs!gps!bmm!Mptt!sftvmujoh!gspn!bmm!Dmbjnt voefs!fbdi!tvdi!Dpwfsbhf!Qbsu/ D/Uif!Fbdi!Dmbjn!Mjnju!pg!Mjbcjmjuz-!Fbdi!Qvcmjd!Sfmbujpot!Fwfou!Mjnju!pg!Mjbcjmjuz-!Fbdi!Tvcqpfob!Mjnju!pg Mjbcjmjuz-!Fbdi!Fwbdvbujpo!Mjnju!pg!Mjbcjmjuz-!Fbdi!Pddvssfodf!Mjnju!pg!Mjbcjmjuz!boe!Fbdi!Pggfotf!Mjnju!pg Mjbcjmjuz!gps!fbdi!dpwfsbhf!mjtufe!jo!Jufn4)c*!tibmm!cf!uif!nbyjnvn!mjbcjmjuz!pg!uif!Jotvsfs gps!Mptt sftvmujoh!gspn!fbdi!Dmbjn-Qvcmjd!Sfmbujpot!Fwfou-!tvcqpfob-!Fwbdvbujpo-Pddvssfodf ps!pggfotf-!bt bqqmjdbcmf-!voefs!tvdi!dpwfsbhf/!!Uif!Bhhsfhbuf!Mjnju!pg!Mjbcjmjuz!gps!fbdi!dpwfsbhf!mjtufe!jo!Jufn!4)c* tibmm!cf!uif!nbyjnvn!mjbcjmjuz!pg!uif!Jotvsfs gps!bmm!Mptt sftvmujoh!gspn!bmm!Dmbjnt-Qvcmjd!Sfmbujpot Fwfout-!tvcqpfobt-!Fwbdvbujpot-Pddvssfodft ps!pggfotft-!bt!bqqmjdbcmf-!voefs!tvdi!dpwfsbhf/ E/Jg!b!Dmbjn jt!dpwfsfe!jo!xipmf!ps!jo!qbsu!voefs!npsf!uibo!pof!dpwfsbhf-!xifuifs!voefs!uif!tbnf Dpwfsbhf!Qbsu!ps!voefs!ejggfsfou!Dpwfsbhf!Qbsut-!uif!nbyjnvn!mjbcjmjuz!pg!uif!Jotvsfs gps!bmm!Mptt dpwfsfe!voefs!bmm!bqqmjdbcmf!dpwfsbhft-!dpncjofe-!po!bddpvou!pg!tvdi!Dmbjn tibmm!opu!fydffe!uif!mbshftu Fbdi!Dmbjn!Mjnju!pg!Mjbcjmjuz-!Fbdi!Pddvssfodf!Mjnju!pg!Mjbcjmjuz!ps!Fbdi!Pggfotf!Mjnju!pg!Mjbcjmjuz bqqmjdbcmf!up!tvdi!dpwfsbhft/ NMQM.IDNN.3116!)15.35*Qbhf!9pg33 ª-!3135/ F/Efgfotf!Dptut!tibmm!cf!qbsu!pg-!boe!opu!jo!beejujpo!up-!uif!Mjnjut!pg!Mjbcjmjuz!tipxo!po!uif!Efdmbsbujpot-! boe Efgfotf!Dptut!tibmm!sfevdf!uif!Mjnjut!pg!Mjbcjmjuz/ G/Jg!boz!Mptt gspn!boz!Dmbjn uibu!jt!dpwfsfe!cz!uijt!Qpmjdz!jt!bmtp!dpwfsfe!cz!bopuifs!qpmjdz!jttvfe!cz!uif! Jotvsfs ps!boz!bggjmjbuf!uifsfpg!up!boz!Jotvsfe ps Beejujpobm!Jotvsfe-!uif!nbyjnvn!mjnju!pg!mjbcjmjuz! qbzbcmf!voefs!cpui!qpmjdjft!gps!tvdi!Mptt xjmm!opu!fydffe!uif!mbshftu!tjohmf!fbdi!dmbjn-!fbdi!pddvssfodf! ps!fbdi!xspohgvm!bdu!mjnju!pg!mjbcjmjuz!bwbjmbcmf!voefs!fjuifs!qpmjdz-!boe!uif!dpssftqpoejoh!Sfufoujpo!xjmm! bqqmz/!!Uijt!qbsbhsbqi!tibmm!opu!bqqmz!jg!tvdi!puifs!qpmjdz!jt!tqfdjgjdbmmz!xsjuufo!bt!fydftt!jotvsbodf!pwfs! uijt!Qpmjdz/ JW/SFUFOUJPO! B/Uif!pcmjhbujpo!up!qbz!Mptt!jt!jo!fydftt!pg!boz!bqqmjdbcmf!Sfufoujpo/!!Uif!bqqmjdbcmf!Sfufoujpo! tibmm!cf!cpsof!cz!uif!Gjstu!Obnfe!Jotvsfe vojotvsfe!voefs!uijt!Qpmjdz!boe!bu!uif!pxo!gjobodjbm! sjtl/ C/Boz!Sfufoujpo!bqqmjdbcmf!up!boz!dpwfsbhf!tibmm!bqqmz!bt!tfu!gpsui!jo!Jufn!4/!pg!uif!Efdmbsbujpot/!!Jg!ejggfsfou! qbsut!pg!b!Dmbjn bsf!tvckfdu!up!ejggfsfou!Sfufoujpot-!uifo!uif!mbshftu!pg!tvdi!Sfufoujpot!tibmm!bqqmz!up!tvdi! Dmbjn/ W/SFMBUFE!DMBJNT!BOE!SFMBUFE!XSPOHGVM!BDUT B/Bmm!Dmbjnt!jowpmwjoh!uif!tbnf!Xspohgvm!Bdu ps Sfmbufe!Xspohgvm!Bdut!pg!pof!ps!npsf!Jotvsfet-!ps!bsjtjoh! gspn!uif!tbnf!ps!sfmbufe!gbdu-!djsdvntubodf-!tjuvbujpo-!fwfou-!usbotbdujpo-!ps!dbvtf!ps!tfsjft!pg!sfmbufe!gbdut-! djsdvntubodft-!tjuvbujpot-!fwfout-!usbotbdujpot!ps!dbvtft-!tibmm!cf!dpotjefsfe!b!tjohmf!Dmbjn/!!Pomz!pof! Sfufoujpo!tibmm!cf!bqqmjdbcmf!up!tvdi!tjohmf!Dmbjn/!Jo!uif!fwfou!tvdi!tjohmf!Dmbjn!usjhhfst!npsf!uibo!pof! Sfufoujpo-!uif!mbshftu!bqqmjdbcmf!Sfufoujpo!tibmm!bqqmz/! C/Bmm!Dmbjnt!dpotujuvujoh!b!tjohmf!Dmbjn!tibmm!cf!effnfe!up!ibwf!cffo!gjstu!nbef!po!uif!fbsmjfs!pg!uif! gpmmpxjoh!ebuft;!)2*!uif!fbsmjftu!ebuf!po!xijdi!boz!tvdi!Dmbjn!uibu!jt!qbsu!pg!tvdi!tjohmf!Dmbjn!xbt!gjstu! nbef!ps!effnfe!nbef!jo!bddpsebodf!xjui!uif!qspwjtjpot!pg!uijt!Qpmjdz!ps!boz!puifs!qpmjdz<!ps!)3*!uif!fbsmjftu! ebuf!po!xijdi!boz!tvdi!Xspohgvm!Bdu!ps Sfmbufe!Xspohgvm!Bdu xbt!sfqpsufe!voefs!uijt!Qpmjdz!ps!boz! puifs!qpmjdz!qspwjejoh!tjnjmbs!dpwfsbhf-!sfhbsemftt!pg!xifuifs!tvdi!ebuf!jt!cfgpsf!ps!evsjoh!uif Qpmjdz! Qfsjpe/ D/Jo!op!fwfou!tibmm!b!tjohmf!mbxtvju-!xsjuufo!efnboe-!jowftujhbujpo!ps!qspdffejoh!dpotujuvuf!npsf!uibo!pof! Dmbjn tvckfdu!up!npsf!uibo!pof!Sfufoujpo/!!Bmm!Xspohgvm!Bdut uibu!bsf!bttfsufe!jo!boz!pof!Dmbjn tibmm!cf! dpotjefsfe!Sfmbufe!Xspohgvm!Bdut/ E/Bmm!Sfmbufe!Xspohgvm!Bdut xjmm!cf!usfbufe!bt!pof!Xspohgvm!Bdu tvckfdu!up!pof!Fbdi!Pddvssfodf-!Fbdi! Pggfotf!ps!Fbdi!Xspohgvm!Bdu Mjnju!pg!Mjbcjmjuz!boe!pof!Sfufoujpo/!!Tvdi!Xspohgvm!Bdu tibmm!cf!effnfe! up!ibwf!ublfo!qmbdf!po!uif!ebuf!pg!uif!gjstu!bdu-!fssps!ps!pnjttjpo!ps!fwfou/!!Jg!tvdi!Xspohgvm!Bdu cfhbo!ps! uppl!qmbdf!qsjps!up!uif!bqqmjdbcmf!Sfuspbdujwf!Ebuf)gps!Dmbjnt.Nbef!dpwfsbhf*!ps!Fggfdujwf!Ebuf!)gps! Pddvssfodf dpwfsbhf*!pg!uijt!Qpmjdz-!uifo!op!dpwfsbhf!tibmm!bqqmz!voefs!uijt!Qpmjdz!up!boz!Dmbjnt bsjtjoh! uifsfgspn/ Bmm!bduvbm-!bmmfhfe-!buufnqufe-!tvhhftufe!ps!qspqptfe!Tfyvbm!Njtdpoevdu!boe!Qiztjdbm!Bcvtf!Xspohgvm! Bdut dpnnjuufe!cz!pof!ps!npsf!qfstpot-!xijdi!bsf!sfmbufe!mphjdbmmz!ps!dbvtbmmz!ps!jo!boz!puifs!xbz-!tibmm!cf! dpotjefsfe!up!cf!pof!Tfyvbm!Njtdpoevdu!boe!Qiztjdbm!Bcvtf!Xspohgvm!Bdu-!sfhbsemftt!pg; 2/uif!ovncfs!pg!bduvbm!ps!bmmfhfe!jokvsfe!qbsujft< 3/uif!qfsjpe!pg!ujnf!pwfs!xijdi!uif!bdut!uppl!qmbdf<!ps NMQM.IDNN.3116!)15.35*Qbhf!:pg33 ª-!3135/ 4/uif!ovncfs!pg!tvdi!bdut!ps!jodjefout/ WJ/EFGFOTF!BOE!TFUUMFNFOU B/Efgfotf Uif!Jotvsfs-!boe!opu!uif!Jotvsfet-!tibmm!ibwf!uif!sjhiu!boe!evuz!up!efgfoe!bmm!Dmbjnt up!xijdi!dpwfsbhf! bqqmjft!voefs!uif!Qpmjdz/!!Uif!Jotvsfs!tibmm!ibwf!tvdi!sjhiu!boe!evuz!up!efgfoe!fwfo!jg!uif!bmmfhbujpot!jo! tvdi!Dmbjn bsf!hspvoemftt-!gbmtf!ps!gsbvevmfou/!!Boz!tvdi!evuz!up!efgfoe!tibmm!dfbtf!vqpo!fyibvtujpo!pg! uif!bqqmjdbcmf!Mjnju!pg!Mjbcjmjuz/!! Uif!Jotvsfs boe!Jotvsfe tibmm!vtf!sfbtpobcmf!cftu!fggpsut!up!dpotvmu!boe!kpjoumz!bhsff!vqpo!uif!mbx!gjsn! boe!dpvotfm!xijdi!tibmm!qspwjef!b!efgfotf!up!uif!Jotvsfe/!!Jo!uif!fwfou!uibu!uif!Jotvsfs boe!Jotvsfe bsf! vobcmf!up!bhsff!vqpo!tfmfdujpo!pg!dpvotfm-!uif!dipjdf!pg!dpvotfm!tibmm!cf!nbef!cz!uif!Jotvsfs/ C/Tfuumfnfou Uif!Jotvsfet!tibmm!opu!benju!mjbcjmjuz-!pggfs!up!tfuumf-!ps!bhsff!up!boz!tfuumfnfou!xjuipvu!uif! qsjps!xsjuufo!dpotfou-!xijdi!dpotfou!tibmm!opu!cf!vosfbtpobcmz!xjuiifme!ps!efmbzfe/!Uif!Jotvsfs!tibmm! opu!cf!mjbcmf!voefs!uijt!Qpmjdz!gps!Mptt!jodvssfe!bt!b!sftvmu!pg!boz!tvdi!benjttjpo-!pggfs!ps!bhsffnfou! up!tfuumf!up!xijdi!uif!Jotvsfs!eje!opu!tp!dpotfou/ Uif!Gjstu!Obnfe!Jotvsfe tibmm!cf!bvuipsj{fe!up!bdu!po!cfibmg!pg!bmm!Jotvsfet xjui!sftqfdu!up!boz! tfuumfnfou/!Uif!Jotvsfs nbz!nblf!boz!jowftujhbujpo!ju!effnt!ofdfttbsz!boe!nbz-!xjui!uif!dpotfou!pg! uif Gjstu!ObnfeJotvsfe-!nblf!boz!tfuumfnfou!pg!boz!Dmbjn xijdi!uif!Jotvsfs!effnt!bqqspqsjbuf/! Jg!uif!Gjstu!Obnfe!Jotvsfe sfgvtft!up!dpotfou!up!b!tfuumfnfou!xjuijo!uif!bqqmjdbcmf!mjnju!pg!mjbcjmjuz! sfdpnnfoefe!cz!uif!Jotvsfs boe!bhsffe!up!cz!uif!dmbjnbou-!uif!mjnju!pg!mjbcjmjuz!gps!tvdi! Dmbjn xjmm!cf!sfevdfe!upuif!bnpvou!gps!xijdi!uif!Dmbjn dpvme!ibwf!cffo!tfuumfe!qmvt!bmm!Efgfotf! Dptut jodvssfe!vq!up!uif!ebuf!uif!Jotvsfs nbef!jut!sfdpnnfoebujpo/ D/Dppqfsbujpo Uif!Jotvsfe tibmm!dppqfsbuf!xjui!uif!Jotvsfs boe!qspwjef!up!uif!Jotvsfs bmm!jogpsnbujpo!xijdi!uif!Jotvsfs sfbtpobcmz!sfrvftut-!jodmvejoh!cvu!opu!mjnjufe!up!buufoejoh!ifbsjoht-!efqptjujpot!boe!usjbmt!boe!bttjtubodf!jo! fggfdujoh!tfuumfnfout-!tfdvsjoh!boe!hjwjoh!fwjefodf-!pcubjojoh!uif!buufoebodf!pg!xjuofttft!boe!dpoevdujoh! uif!efgfotf!pg!boz!Dmbjn dpwfsfe!cz!uijt!Qpmjdz/!Uif!Jotvsfe tibmm!ep!opuijoh!uibu!nbz!qsfkvejdf!uif! qptjujpo/ WJJ/OPUJDF B/Opujdf!pgDmbjnt!Dmbjnt.Nbef!Dpwfsbhft! Uif!Jotvsfet!tibmm-!bt!b!dpoejujpo!qsfdfefou!up!uifjs!sjhiut!voefs!uijt!Qpmjdz-hjwf!uif!Jotvsfs!opujdf!jo!xsjujoh! pg!boz!Dmbjn!nbef!evsjoh!uif!Qpmjdz!Qfsjpe bt!tppo!bt!qsbdujdbcmf!bgufs!uif!sjtl!nbobhfs-!jo. ipvtf!hfofsbm!dpvotfm!ps!boz!obuvsbm!qfstpo!xip!jt!sftqpotjcmf!gps!uif!nbobhfnfou!pg!jotvsbodf!dmbjnt-!ps! gvodujpobm!frvjwbmfou!qptjujpo!pg!uif!gpsfhpjoh-!gjstu!mfbsot!pg!tvdi!Dmbjn-!cvu!jo!op!fwfou!mbufs!uibo!ojofuz!):1*! ebzt!bgufs!uif!foe!pg!uif!Qpmjdz!Qfsjpe/ C/Opujdf!pg!Dmbjnt!Pddvssfodf!Dpwfsbhft NMQM.IDNN.3116!)15.35*Qbhf!21pg33 ª-!3135/ Uif!Jotvsfet tibmm-!bt!b!dpoejujpo!qsfdfefou!up!uifjs!sjhiut!voefs!uijt!Qpmjdz-!hjwf!uif!Jotvsfs opujdf!jo!xsjujoh! pg!boz!Dmbjn gps!bo!Pddvssfodf-!pggfotf!ps!Xspohgvm!Bdu xijdi!dpnnfodft!boe!ublft!qmbdf!evsjoh!uif!Qpmjdz! Qfsjpe bt!tppo!bt!qsbdujdbcmf!bgufs!uif!sjtl!nbobhfs-!jo.ipvtf!hfofsbm!dpvotfm!ps!boz!obuvsbm! qfstpo!xip!jt!sftqpotjcmf!gps!uif!nbobhfnfou!pg!jotvsbodf!dmbjnt-!ps!gvodujpobm!frvjwbmfou!qptjujpo!pg!uif! gpsfhpjoh-!cfdpnft!bxbsf!pg!uif!Dmbjn-!cvu!jo!op!fwfou!mbufs!uibo!ojofuz!):1*!ebzt!uifsfbgufs/ D/Opujdf!pg!Djsdvntubodft!Dmbjnt.Nbef!Dpwfsbhft Evsjoh!uif!Qpmjdz!Qfsjpe-bo Jotvsfe!nbz!hjwf!xsjuufo!opujdf!up!uif!Jotvsfs!pg!djsdvntubodft!uibu!nbz! sfbtpobcmz!cf!fyqfdufe!up!hjwf!sjtf!up!b!Dmbjn-!boe; 2/tvdi!opujdf!tibmm!jodmvef!jogpsnbujpo!sfhbsejoh!uif!obuvsf!pg!boz!Xspohgvm!Bdut!boe!uif!sfbtpot!gps! boujdjqbujoh!b!Dmbjn-!xjui!gvmm!qbsujdvmbst!bt!up!ebuft-!qfstpot!boe!foujujft!jowpmwfe< 3/boz!Dmbjn!uibu!jt!tvctfrvfoumz!nbef!bhbjotu!tvdi!Jotvsfe!bmmfhjoh-!bsjtjoh!pvu!pg-!cbtfe!vqpo!ps!buusjcvubcmf! up!tvdi!djsdvntubodft!tibmm!cf!effnfe!up!ibwf!cffo!gjstu!nbef!bu!uif!ujnf!tvdi!djsdvntubodf!xbt!gjstu!sfqpsufe! up!uif!Jotvsfs<!boe 4/opujdf!pg!boz!tvdi!tvctfrvfou!Dmbjn!tibmm!cf!hjwfo!up!uif!Jotvsfs!bt!tqfdjgjfe!voefs!Tfdujpo!WJJ/B/!Opujdf! pg!Dmbjnt!Dmbjnt.Nbef!Dpwfsbhft bcpwf/! Op!dpwfsbhf!tibmm!cf!qspwjefe!voefs!uijt!Qpmjdz!gps!dibshft-!dptut-!gfft-!fyqfotft!ps!puifs!mptt!jodvssfe!bt!b! sftvmu!pg!tvdi!djsdvntubodft!qsjps!up!uif!ujnf!tvdi!tvctfrvfou!Dmbjn jt!bduvbmmz!nbef-!vomftt!uif!Jotvsfs-!jo! jut!tpmf!ejtdsfujpo-!dipptft!up!jodvs!tvdi!dptut/!!Jg!uif!Jotvsfs jodvst!boz!dptut!qsjps!up!uif!fyjtufodf!pg!b!Dmbjn- tvdi!dptut!tibmm!bqqmz!up!uif!Sfufoujpo!boe!boz!bqqmjdbcmf!Mjnju!pg!Mjbcjmjuz/ E/Opujdf!pg!Jodjefou!Pddvssfodf!Dpwfsbhf Jg-!evsjoh!uif!Qpmjdz!Qfsjpe-!uif!Jotvsfe gjstu!cfdpnft!bxbsf!pg!bo!Pddvssfodf ps!pggfotf!xijdi!nbz! sfbtpobcmz!cf!fyqfdufe!up!cf!uif!cbtjt!pg!b!Dmbjn bhbjotu!bo!Jotvsfe-!uif!Jotvsfe tibmm!hjwf!uif!Jotvsfs xsjuufo!opujdf!pg!uif!Pddvssfodf bt!tppo!bt!qsbdujdbcmf/ F/Xifsf!up!Tfoe!Opujdf 2/Bmm!opujdft!up!uif!Jotvsfs voefs!uijt!Qpmjdz!pg!b!Dmbjn ps!djsdvntubodft!xijdi!dpvme!hjwf!sjtf!up!b!Dmbjn Efdmbsbujpot/ 3/Bmm!puifs!opujdft!up!uif!Jotvsfs voefs!uijt!Qpmjdz!tibmm!cf!hjwfo!jo!xsjujoh!up!uif!beesftt!ps!fnbjm!beesftt! mjtufe!jo!Jufn!9)c*!pg!uif!Efdmbsbujpot/ 4/Boz!opujdf!nbjmfe!ps!usbotnjuufe!cz!fnbjm!voefs!uijt!Qpmjdz!tibmm!cf!fggfdujwf!po!uif!ebuf!pg!usbotnjuubm-! tvckfdu!up!qsppg!pg!usbotnjuubm/ WJJJ/BMMPDBUJPO Jo!bmm!jotubodft-!bo!bmmpdbujpo!cfuxffo!Mptt!uibu!jt!dpwfsfe!boe!boz!bnpvou!uibu!jt!opu!dpwfsfetibmm!cf!cbtfe! po!uif!sfmbujwf!mfhbm!boe!gjobodjbm!fyqptvsft!pg!uif!dpwfsfe!qbsujft!up!uif!dpwfsfe!nbuufst/! JY/DIBOHF!JO!PQFSBUJPOT NMQM.IDNN.3116!)15.35*Qbhf!22pg33 ª-!3135/ Uif!Gjstu!Obnfe!Jotvsfe bhsfft!up!opujgz!uif!Jotvsfs pg!boz!nbufsjbm!dibohft!jo!bo!pqfsbujpot!ps! bdujwjujft!evsjoh!uif!Qpmjdz!Qfsjpe bt!tppo!bt!qsbdujdbcmf/!!Jg!uif!Jotvsfs efufsnjoft!uibu!uiftf!dibohft!jo! pqfsbujpot!ps!bdujwjujft!sftvmu!jo!b!dibohf!up!bo!fyqptvsf-!uif!Jotvsfs xjmm!ibwf!uif!sjhiu!up!npejgz! dpwfsbhf!ufsnt-!fydmvef!dpwfsbhf!gps!boz!ofx!sjtl!ps!fyqptvsf!uibu!sftvmut!gspn!uif!nbufsjbm!dibohft-!boe! bekvtu!uif!qsfnjvn!ps!sbuft!dibshfe/ pqfsbujpot!ps!bdujwjujft!xijdi!nbufsjbmmz!jodsfbtf!ps!dibohf! uif!sjtl-!bt!voefsxsjuufo!cz!uif!Jotvsfs bt!pg!uif!Fggfdujwf!Ebuf!pg!uijt!Qpmjdz-!jodmvejoh!cvu!opu!mjnjufe!up; B/uif!tvtqfotjpo-!sfwpdbujpo!ps!sftusjdujpo!pg!b!psqspgfttjpobm! mjdfotf-!qsphsbn!dfsujgjdbujpo-!gbdjmjuz!mjdfotf-!pqfsbujoh!dfsujgjdbuf-!qspgfttjpobm!dfsujgjdbujpo-! sfhjtusbujpo-!ps!tjnjmbs!sfrvjsfnfou!voefs!gfefsbm-!tubuf!ps!mpdbm!mbx< C/uif!vtf-!bdrvjtjujpo-!dsfbujpo!ps!pqfojoh!pg!boz!gbdjmjujft-!qsbdujdf!hspvqt!ps!pggjdft!opu!eftdsjcfe! jo!uif!Bqqmjdbujpo<!ps D/boz!puifs!cvtjoftt!pqfsbujpot!ps!bdujwjujft!opu!qsfwjpvtmz!ejtdmptfe!up!uif!Jotvsfs jo!uif! Bqqmjdbujpo/ Y/BDRVJTJUJPO!PS!DFTTBUJPO!PG!GJSTU!OBNFE!JOTVSFE!PS!TVCTJEJBSJFT B/!Bdrvjtjujpo!pg!uif!Gjstu!Obnfe!Jotvsfe Jg-!evsjoh!uif!Qpmjdz!Qfsjpe-boz!pg!uif!gpmmpxjoh!fwfout!pddvs; 2/uif GjstuObnfe!Jotvsfe;!)b*!tfmmt!bmm!ps!tvctuboujbmmz!bmm!pg!jut!bttfut!up!boz!puifs!qfstpo!ps!foujuz!ps! bggjmjbufe!hspvq!pg!qfstpot!ps!foujujft<!ps!)c*!nfshft!ps!dpotpmjebuft!xjui!bopuifs!foujuz!tvdi!uibu!uif!Gjstu Obnfe!Jotvsfe!jt!opu!uif!tvswjwjoh!foujuz< 3/boz!qfstpo-!foujuz!ps!bggjmjbufe!hspvq!pg!qfstpot!ps!foujujft!bdrvjsft!Nbobhfnfou!Dpouspm!pg!uif!Gjstu Obnfe!Jotvsfe<!ps 4/uif GjstuObnfe!Jotvsfe fnfshft!gspn!cbolsvqudz!bt!pg!uif!fggfdujwf!ebuf!tubufe!jo!uif!qmbo!ps! sfpshboj{bujpo-! uifo; b/dpwfsbhf!voefs!uijt!Qpmjdz!tibmm!dpoujovf!voujm!fyqjsbujpo!pg!uif!Qpmjdz!Qfsjpe-!cvu!pomz!gps!boz! Xspohgvm!Bdu!xijdi!pddvssfe!qsjps!up!uif!fggfdujwf!ebuf!pg!tvdi!fwfou!boe!uif!foujsf!qsfnjvn!gps!uijt! Qpmjdz!tibmm!cf!effnfe!fbsofe!bt!pg!uif!ebuf!pg!tvdi!fwfou<!boe c/uif GjstuObnfe!Jotvsfe.Pgg! Dmbjn gps!b!Xspohgvm!Bdu!xijdi!pddvssfe!qsjps!up!uif!fggfdujwf!ebuf!pg!tvdi! fwfou/!!Dpwfsbhf!pggfsfe!qvstvbou!up!tvdi!rvpuf!tibmm!cf!tvckfdu!up!beejujpobm!ps!ejggfsfou!ufsnt!boe! dpoejujpot!boe!qbznfou!pg!beejujpobm!qsfnjvn/!Boz!Svo.Pgg!Dpwfsbhf!qvsdibtfe!tibmm!sfqmbdf!boz! FyufoefeSfqpsujoh!Qfsjpe!qspwjefe!voefs!Tfdujpo!YJJJ/!FYUFOEFE!SFQPSUJOH!QFSJPE/ C/Bdrvjtjujpo!pg!b!Tvctjejbsz 2/Fydfqu!bt!tfu!gpsui!jo!uif!gpmmpxjoh!qbsbhsbqi!3/-jg-!evsjoh!uif!Qpmjdz!Qfsjpe-boz!foujuz!gjstu!rvbmjgjft! bt!b!Tvctjejbsz-!uifo!tvdi!Tvctjejbsz boe!boz!qfstpot!pg!uibu!Tvctjejbsz!xip!xpvme!rvbmjgz!bt! Jotvsfe!Qfstpot!voefs!uijt!Qpmjdz!tibmm!cf!Jotvsfet-!cvu!pomz!xjui!sftqfdu!up!Xspohgvm!Bdut!pddvssjoh! ps!bmmfhfemz!pddvssjoh!bgufs!tvdi!foujuz!rvbmjgjfe!bt!b!Tvctjejbsz/ NMQM.IDNN.3116!)15.35*Qbhf!23pg33 ª-!3135/ 3/Jg!uif!upubm!sfwfovf!pg!bmm!Tvctjejbsjft!bdrvjsfe!evsjoh!uif!Qpmjdz!Qfsjpe fydffet!uxfouz.gjwf!qfsdfou! )36&*!pg!uif!dpncjofe!upubm!sfwfovf!pg!bmm!Dpnqbojft!)bt!sfgmfdufe!jo!uif!nptu!sfdfou!bvejufe! dpotpmjebufe!gjobodjbm!tubufnfout!pg!uif!Dpnqbojft!bt!pg!uif!ebuf!pg!uif!bdrvjtjujpo*-!uifo!xjui!sftqfdu! up!uif!Tvctjejbsz uibu!qvu!uif!upubm!sfwfovf!pwfs!uif!36&!uisftipme!boe!fbdi!Tvctjejbsz bdrvjsfe! uifsfbgufs-!uif!GjstuObnfe!Jotvsfe!tibmm!ibwf!gpsuz.gjwf!)56*!ebzt!gspn!uif!ebuf!pg!uif!bdrvjtjujpo!up! opujgz!uif Jotvsfs!pg!tvdi!bdrvjtjujpo/!!Gpmmpxjoh!tvdi!opujdf!up!uif!Jotvsfs-!uif!GjstuObnfe!Jotvsfe tibmm!cf!sfrvjsfe!up!qspwjef!uif!Jotvsfs xjui!boz!beejujpobm!jogpsnbujpo!uif!Jotvsfs nbz!sfbtpobcmz! sfrvftu!sfhbsejoh!uif!bdrvjtjujpo-!boe!boz!dpwfsbhf!gps!bo!Jotvsfe!pg!tvdi!ofxmz!bdrvjsfe!Tvctjejbsz! nbz!cf!tvckfdu!up!beejujpobm!ps!ejggfsfou!ufsnt!ps!dpoejujpot!voefs!uif!Qpmjdz!boe!uif!qbznfou!pg! beejujpobm!qsfnjvn/!Jg!uif!GjstuObnfe!Jotvsfe gbjmt!up!qspwjef!uif!gpsfhpjoh!opujdf!boe!beejujpobm! jogpsnbujpo!ps!boz!beejujpobm!qsfnjvn!sfrvjsfe!cz!uif!Jotvsfs-!dpwfsbhf!voefs!uijt!Qpmjdz!gps!tvdi! ofxmz!bdrvjsfe!Tvctjejbsz!boe!jut!Jotvsfe!Qfstpot tibmm!ufsnjobuf!xjui!sftqfdu!up!boz!Dmbjn!gjstu! nbef!npsf!uibo!gpsuz.gjwf!)56*!ebzt!bgufs!uif!ebuf!pg!uif!bdrvjtjujpo/ D/Dfttbujpo!pg!b!Tvctjejbsz Jg-!evsjoh!uif!Qpmjdz!Qfsjpe-boz!foujuz!dfbtft!up!cf!b!Tvctjejbsz-!uifo!dpwfsbhf!gps!tvdi!gpsnfs! Tvctjejbsz!boe!jut!Jotvsfe!Qfstpot!tibmm!pomz!cf!bwbjmbcmf-!tvckfdu!up!bmm!puifs!ufsnt!boe!dpoejujpot!pg! uijt!Qpmjdz-!gps!Xspohgvm!Bdut!pddvssjoh!ps!bmmfhfemz!pddvssjoh!qsjps!up!uif!ebuf!tvdi!foujuz!dfbtfe!up!rvbmjgz! bt!b!Tvctjejbsz/ YJ/TVCSPHBUJPO!BOE!SFDPWFSZ B/Jo!uif!fwfou!pg!boz!qbznfou!voefs!uijt!Qpmjdz!cz!uif!Jotvsfs-!uif!Jotvsfs!tibmm!cf!tvcsphbufe!up!uif!fyufou! pg!tvdi!qbznfou!up!bmm!pg!uif!sjhiut!pg!sfdpwfsz/!Uif!Jotvsfet!tibmm!ublf!bmm!sfbtpobcmf!bdujpot! up!tfdvsf!boe!qsftfswf!uif!tvcsphbujpo!sjhiut-!jodmvejoh!uif!fyfdvujpo!pg!tvdi!epdvnfout!bt!nbz! cf!ofdfttbsz!up!fobcmf!uif!Jotvsfs!up!fggfdujwfmz!csjoh!tvju!jo!uif!obnf!pg!uif!Jotvsfe/ C/Jg!uif!Jotvsfs!sfdpwfst!boz!qpsujpo!pg!bo!bnpvou!qbje!cz!uif!Jotvsfs!voefs!uijt!Qpmjdz-!uif!Jotvsfs!tibmm! sfjotubuf!uif!bqqmjdbcmf!Mjnju!pg!Mjbcjmjuz!pg!uijt!Qpmjdz!xjui!boz!bnpvout!sfdpwfsfe!vq!up!tvdi!bnpvou!qbje-! mftt!bozbnpvout!jodvssfe!cz!uif!Jotvsfs!jo!pcubjojoh!tvdi!sfdpwfsz/! YJJ/BQQMJDBUJPO!BOE!SFQSFTFOUBUJPOT B/Jo!jttvjoh!uijt!Qpmjdz-!uif!Jotvsfs!ibt!sfmjfe!vqpo!uif!jogpsnbujpo!boe!sfqsftfoubujpot!jo!uif!Bqqmjdbujpo! bt!cfjoh!usvf-!bddvsbuf!boe!dpnqmfuf-!boe!uif!Bqqmjdbujpo!jt!uif!cbtjt!gps-!boe!dpotjefsfe!jodpsqpsbufe! joup-!uijt!Qpmjdz/! C/Jo!uif!fwfou!pg!boz!nbufsjbm!njtsfqsftfoubujpo!jo!uif!Bqqmjdbujpo-!ps!gsbve!ps!njtsfqsftfoubujpo!xjui! sftqfdu!up!uif!qsftfoubujpo!pg!boz!Dmbjn gps!xijdi!dpwfsbhf!jt!tpvhiu!voefs!uijt!Qpmjdz-!uif!Jotvsfs nbz! wpje!ps!dbodfm!uijt!Qpmjdz!ps!efoz!dpwfsbhf!voefs!uijt!Qpmjdz!up!boz!Jotvsfe-!jo!bddpsebodf!xjui!bqqmjdbcmf! mbxt!boe!sfhvmbujpot/ D/Xjui!sftqfdu!up!boz!njtsfqsftfoubujpo!jo!uif!Bqqmjdbujpo ps!xjui!sftqfdu!up!boz!Dmbjn-!uif!lopxmfehf!pg! boz!Jotvsfe!Qfstpo xjmm!opu!cf!jnqvufe!up!boz!puifs!Jotvsfe!Qfstpo/!!Ipxfwfs-!uif!lopxmfehf!pg!bo! Fyfdvujwf!Pggjdfs pg!b!Dpnqboz-!ps!boz!qfstpo!jo!b!gvodujpobmmz!frvjwbmfou!qptjujpo-!xjmm!cf!jnqvufe!up! uif Dpnqboz/ YJJJ/FYUFOEFE!SFQPSUJOH!QFSJPE Tpmfmz!xjui!sftqfdu!up!boz!Dpwfsbhf!Qbsu!uibu!bqqmjft!po!b!dmbjnt.nbef!boe!sfqpsufe!cbtjt; NMQM.IDNN.3116!)15.35*Qbhf!24pg33 ª-!3135/ B/Jo!uif!fwfou!uif!Jotvsfs!epft!opu!sfofx!uijt!Qpmjdz!ps!uif!GjstuObnfe!Jotvsfe!dbodfmt!ps!epft!opu! sfofx!uijt!Qpmjdz-!uif!GjstuObnfe!Jotvsfe tibmm!cf!foujumfe!up!bo!Bvupnbujd!Fyufoefe!Sfqpsujoh!Qfsjpe! sfqpsu!Dmbjnt gjstu!nbef!evsjoh!uif!uijsuz!)41*!ebz!qfsjpe!bmmfhjoh!Xspohgvm!Bdut uibu!uppl!qmbdf!qsjps!up! uif!foe!pg!uif!Qpmjdz!Qfsjpe/!!Ipxfwfs-!jg!uif!Gjstu!Obnfe!Jotvsfe pcubjot!sfqmbdfnfou!dpwfsbhf!gspn! bopuifs!jotvsfs!uibu!jt!fggfdujwf!bu!boz!ujnf!evsjoh!uif!uijsuz!)41*!ebzqfsjpe-!uijt!Bvupnbujd!FSQ!tibmm!opu! bqqmz/ C/Jo!uif!fwfou!uif!Jotvsfs!epft!opu!sfofx!uijt!Qpmjdz!ps!uif!GjstuObnfe!Jotvsfe!dbodfmt!ps!epft!opu! sfofx!uijt!Qpmjdz-!uif!GjstuObnfe!Jotvsfe!tibmm!ibwf!uif!sjhiu!up!qvsdibtf!bo!Pqujpobm!FSQ!gps!uif! qsfnjvn!boe!ujnf!qfsjpe!tubufe!jo!Jufn!8/!pg!uif!Efdmbsbujpot/!Bt!b!dpoejujpo!qsfdfefou!up!uif!sjhiu!up! qvsdibtf!uif!Pqujpobm!FSQ-!uif!upubm!qsfnjvn!gps!uijt!Qpmjdz!nvtu!ibwf!cffo!qbje!boe!b!xsjuufo!sfrvftu! up!fmfdu!uif!Pqujpobm!FSQ-!uphfuifs!xjui!qbznfou!pg!uif!beejujpobm!qsfnjvn!gps!uif!FSQ-!nvtu!cf!qspwjefe! up!uif!Jotvsfs op!mbufs!uibo!uijsuz!)41*!ebzt!gpmmpxjoh!uif!fggfdujwf!ebuf!pg!tvdi!opo.sfofxbm!ps! dbodfmmbujpo/!Uif!qsfnjvn!gps!uif!Pqujpobm!FSQ!jt!effnfe!gvmmz!fbsofe!bu!uif!jodfqujpo!pg!uif!Pqujpobm! FSQ/ D/Qvsdibtf!pg!bo!Pqujpobm!FSQ!tibmm!opu!jo!boz!xbz!jodsfbtf!uif!Mjnjut!pg!Mjbcjmjuz!tipxo!po!uif! Efdmbsbujpot/!!Gps!qvsqptft!pg!uif!Mjnjut!pg!Mjbcjmjuz-!uif!Pqujpobm!FSQ!jt!dpotjefsfe!up!cf!qbsu!pg-!boe! opu!jo!beejujpo!up-!uif!Qpmjdz!Qfsjpe/ E/Jg!uif!Pqujpobm!FSQ!jt!qvsdibtfe-!dpwfsbhf!puifsxjtf!bggpsefe!cz!uijt!Qpmjdz!tibmm!cf!fyufoefe!up!bqqmz! up Dmbjnt uibu!bsf; 2/fjuifs!gjstu!nbef!ps!effnfe!up!ibwf!cffo!gjstu!nbef!evsjoh!uif!Pqujpobm!FSQ<!boe 3/sfqpsufe!up!uif!Jotvsfs evsjoh!uif!Pqujpobm!FSQ!boe!jo!bddpsebodf!xjui!uif!Tfdujpo!WJJ/!OPUJDF<! qspwjefe-!ipxfwfs-!uibu!boz!Xspohgvm!Bdut xijdi!hjwf!sjtf!up!tvdi!Dmbjn nvtu!ibwf!pddvssfe!qsjps!up! uif!dpnnfodfnfou!pg!uif!Pqujpobm!FSQ/ YJW/DBODFMMBUJPO!PS!OPO.SFOFXBM!PG!QPMJDZ B/Uijt!Qpmjdz!nbz!cf!dbodfmmfe!cz!uif!Jotvsfs-!qspwjefe!uibu!xsjuufo!opujdf!up!uif!GjstuObnfe!Jotvsfe!jt! tfou!cz!sfhjtufsfe!ps!dfsujgjfe!nbjm-!ps!boz!puifs!sfbtpobcmf!efmjwfsz!nfuipe!tvdi!bt!fnbjm-!up!uif!beesftt! tfu!gpsui!jo!Jufn!9)c*!pg!uif!Efdmbsbujpot/!Dbodfmmbujpo!tibmm!cf!fggfdujwf!po!uif!ebuf!tqfdjgjfe!jo!uif!xsjuufo! opujdf!pg!dbodfmmbujpo-!qspwjefetvdi!ebuf!jt!bu!mfbtu;! 2/ufo!)21*!ebzt!bgufs!uif!ebuf!tvdi!opujdf!jt!hjwfo!jg!tvdi!dbodfmmbujpo!jt!gps!opoqbznfou!pg!qsfnjvn<!ps 3/tjyuz!)71*!ebzt!bgufs!uif!ebuf!tvdi!opujdf!jt!hjwfo!jg!tvdi!dbodfmmbujpo!jt!gps!boz!puifs!sfbtpo/ Jg!uif!Jotvsfs tfoet!b!opujdf!pg!dbodfmmbujpo!up!uif!GjstuObnfe!Jotvsfe!gps!opoqbznfou!pg!qsfnjvn!boe! uif Gjstu!Obnfe!Jotvsfe!qbzt!jo!gvmm!uif!qsfnjvn!evf!qsjps!up!tvdi!fggfdujwf!ebuf-!uif!opujdf!pg! dbodfmmbujpo!tibmm!cf!jofggfdujwf/ C/Uijt!Qpmjdz!nbz!cf!dbodfmmfe!cz!uif!GjstuObnfe!Jotvsfe!bu!boz!ujnf!cz!xsjuufo!opujdf!up!uif!Jotvsfs! tubujoh!uif!fggfdujwf!ujnf!pg!tvdi!dbodfmmbujpo/!Vqpo!dbodfmmbujpo-!uif!Jotvsfs!tibmm!cf!foujumfe!up!sfubjo!uif! dvtupnbsz!tipsu!sbuf!qpsujpo!pg!uif!qsfnjvn!dbmdvmbufe!cbtfe!vqpo!uif!fggfdujwf!ebuf!pg!tvdi!dbodfmmbujpo-! vomftt!qbsbhsbqi!B/!Bdrvjtjujpo!pg!uif!Gjstu!Obnfe!Jotvsfe!pg!Tfdujpo!Y/!BDRVJTJUJPO!PS!DFTTBUJPO! PG!GJSTU!OBNFE!JOTVSFE!PS!TVCTJEJBSJFT!bqqmjft-!jo!xijdi!dbtf!uif!foujsf!qsfnjvn!gps!uijt!Qpmjdz! tibmm!cf!effnfe!gvmmz!fbsofe/ D/Uijt!Qpmjdz!nbz!cf!ufsnjobufe!bu!tvdi!puifs!ujnf!bt!nbz!cf!nvuvbmmz!bhsffe!vqpo!cz!uif!Jotvsfs boe!uif! GjstuObnfe!Jotvsfe-!jo!xijdi!dbtf!boz!sfuvsofe!qsfnjvn!tibmm!cf!dpnqvufe!po!b!qsp!sbub!cbtjt/ NMQM.IDNN.3116!)15.35*Qbhf!25pg33 ª-!3135/ E/Jg!uif!Gjstu!ObnfeJotvsfe dbodfmt!uijt!Qpmjdz-!uif!Jotvsfs tibmm!sfubjo!b!njojnvn!fbsofe!qsfnjvn! dpotjtujoh!pg!b!qfsdfoubhf!pg!uif!boovbm!qsfnjvn/!!Uif!qfsdfoubhf!jt!tfu!gpsui!jo!Jufn!7/!pg!uif!Efdmbsbujpot/ YW/TQPVTFT-!EPNFTUJD!QBSUOFST-!FTUBUFT!BOE!MFHBM!SFQSFTFOUBUJWFT B/Uif!dpwfsbhf!qspwjefe!cz!uijt!Qpmjdz!tibmm!bmtp!bqqmz!up!bo!mbxgvm!tqpvtf!ps!epnftujd! qbsuofs!voefs!bqqmjdbcmf!mbx!ps!uif!qspwjtjpot!pg!boz!gpsnbm!qsphsbn!ftubcmjtife!cz!uif!Dpnqboz-!cvu!pomz!gps! b Dmbjn!bsjtjoh!pvu!pg!boz!bduvbm!ps!bmmfhfe!Xspohgvm!Bdut!pg!tvdi!Jotvsfe!Qfstpo/ C/Uif!dpwfsbhf!qspwjefe!cz!uijt!Qpmjdz!bmtp!tibmm!bqqmz!up!uif!ftubuft-!ifjst-!mfhbm!sfqsftfoubujwft!ps!bttjhot! pg!boz!Jotvsfe!Qfstpo!jo!uif!fwfou!pg!uifjs!efbui-!jodbqbdjuz!ps!cbolsvqudz-!cvu!pomz!gps!Dmbjnt!bsjtjoh!pvu!pg! boz!bduvbm!ps!bmmfhfe!Xspohgvm!Bdut!pg!tvdi!Jotvsfe!Qfstpo/ YWJ/PUIFS!JOTVSBODF Uijt!Qpmjdz!tibmm!cf!fydftt!pg-!boe!tibmm!opu!dpousjcvuf!xjui-!boz!wbmje!boe!dpmmfdujcmf!jotvsbodf!qpmjdz!)puifs! uibo!jotvsbodf!xsjuufo!tqfdjgjdbmmz!bt!fydftt!pg!uif!Mjnju!pg!Mjbcjmjuz!pg!uijt!Qpmjdz*!qspwjejoh!dpwfsbhf!gps!Mptt gps!xijdi!uijt!Qpmjdz!bmtp!qspwjeft!dpwfsbhf/ YWJJ/EJTQVUF!SFTPMVUJPO!QSPDFTT Uif!Jotvsfs boe!uif!Jotvsfet tibmm!buufnqu!jo!hppe!gbjui!up!sftpmwf!boz!ejtqvuf!bsjtjoh!pvu!pg!ps!sfmbujoh!up!uijt! Qpmjdz!qspnqumz!cz!ofhpujbujpo!cfuxffo!fyfdvujwft!xjui!bvuipsjuz!up!tfuumf!tvdi!ejtqvuf/!Jg!boz!ejtqvuf!dboopu! cf!sftpmwfe!uispvhi!ofhpujbujpo-!uif!qbsujft!bhsff!uibu!uifz!xjmm!tvcnju!uif!ejtqvuf!up!opo.cjoejoh!nfejbujpo! boe!tvdi!ejtqvuf!tibmm!cf!efufsnjofe!cz!uif!mbx!pg!uif!bqqmjdbcmf!kvsjtejdujpo!bt!tfu!gpsui!jo!Tfdujpo!YYJ/! XPSMEXJEF!UFSSJUPSZ!BOE!GPSVN!TFMFDUJPO/!Uif!qbsujft!xjmm!vtf!cftu!fggpsut!up!bhsff!po!uif!ufsnt! pg!boz!tvdi!nfejbujpo!qspdftt-!cvu!jg!uifz!ep!opu!bhsff!xjuijo!uijsuz!)41*!ebzt!pg!fjuifs!qbsuz!sfrvftujoh! nfejbujpo-!uif!ejtqvuf!xjmm!cf!tvcnjuufe!up!KBNT!gps!nfejbujpo/!Fbdi!qbsuz!xjmm!cfbs!uifjs!pxo!dptut-!sfhbsemftt! pg!uif!nfejbujpo!qspdftt!vtfe-!boe!uif!qbsujft!tibmm!tibsf!frvbmmz!bmm!dptut!dibshfe!cz!KBNT!ps!puifs!nfejbujpo! benjojtusbups!bhsffe!vqpo!boe!uif!gfft!pg!uif!nfejbups/!Jg!uif!ejtqvuf!jt!opu!tfuumfe!bu!nfejbujpo-!op!qbsuz!nbz! dpnnfodf!bo!bdujpo!bhbjotu!boz!puifs!qbsuz!voujm!bu!mfbtu!uijsuz!)41*!ebzt!bgufs!uif!gjobm!nfejbujpo!tfttjpo/ YWJJJ/BDUJPO!BHBJOTU!UIF!JOTVSFS Op!bdujpo!tibmm!mjf!bhbjotu!uif!Jotvsfs vomftt-!bt!b!dpoejujpo!qsfdfefou!uifsfup-!uifsf!tibmm!ibwf!cffo!gvmm! dpnqmjbodf!xjui!bmm!uif!ufsnt!boe!dpoejujpot!pg!uijt!Qpmjdz/!Op!qfstpo!ps!pshboj{bujpo!tibmm!ibwf!boz!sjhiu!voefs! uijt!Qpmjdz!up!kpjo!uif!Jotvsfs bt!b!qbsuz!up!boz!Dmbjn bhbjotu!bo!Jotvsfe-!ops!tibmm!uif!Jotvsfs cf!jnqmfbefe! cz!boz Jotvsfe ps!uifjs!mfhbm!sfqsftfoubujwf!jo!boz!tvdi!Dmbjn/ YJY/BTTJHONFOU! Uijt!Qpmjdz!boe!boz!boe!bmm!sjhiut!ifsfvoefs!bsf!opu!bttjhobcmf!xjuipvu!uif!qsjps!xsjuufo!dpotfou!pg!uif!Jotvsfs- xijdi!dpotfou!tibmm!cf!jo!uif!tpmf!boe!bctpmvuf!ejtdsfujpo!pg!uif!Jotvsfs/ YY/DPOGPSNJUZ!UP!TUBUVUF! Boz!ufsnt!pg!uijt!Qpmjdz!xijdi!bsf!jo!dpogmjdu!xjui!uif!ufsnt!pg!boz!bqqmjdbcmf!mbxt!bsf!ifsfcz!bnfoefe!up! dpogpsn!up!tvdi!mbxt/ YYJ/XPSMEXJEF!UFSSJUPSZ!BOE!GPSVN!TFMFDUJPO NMQM.IDNN.3116!)15.35*Qbhf!26pg33 ª-!3135/ B/Uijt!Qpmjdz!tibmm!bqqmz!bozxifsf!jo!uif!xpsme-!boe!boz!sfgfsfodf!up!mbxt-!ipxfwfs!eftdsjcfe-!tibmm!jodmvef! bmm!V/T/!gfefsbm-!tubuf!boe!mpdbm!tubuvupsz!mbxt-!bmm!bnfoenfout!up!boe!svmft!boe!sfhvmbujpot!qspnvmhbufe! voefs!boz!tvdi!mbxt-!dpnnpo!mbx-!boe!boz!frvjwbmfou!cpez!pg!mbx!bozxifsf!jo!uif!xpsme-!vomftt! tqfdjgjdbmmz!tubufe!up!uif!dpousbsz/ C/Bmm!nbuufst!boe!dbvtft!pg!bdujpo!)xifuifs!jo!dpousbdu-!upsu!ps!tubuvupsz*!bsjtjoh!pvu!pg-!jo!dpoofdujpo!xjui!ps! sfmbujoh!up!uijt!Qpmjdz!tibmm!cf!hpwfsofe!cz!boe!dpotusvfe!jo!bddpsebodf!xjui!uif!joufsobm!mbxt!pg!uif!tbnf! tubuf!ps!ufssjupsz!xifsf!uif!Gjstu qsjodjqbm!qmbdf!pg!cvtjoftt!jt!mpdbufe-!xjuipvu!hjwjoh! fggfdu!up!uif!dipjdf!pg!mbx!ps!dpogmjdu!pg!mbx!svmft!ps!qsjodjqmft!pg!uibu!tubuf!ps!ufssjupsz-!qspwjefe!uibu!uijt! qbsbhsbqi!C/!epft!opu!bnfoe!uif!efgjojujpo!pg!Mptt sfmbujoh!up!uif!bqqmjdbcmf!mbx!gps!efufsnjojoh!uif! jotvsbcjmjuz!pg!Mptt/ D/Fbdi!Jotvsfe boe!uif!Jotvsfs bhsfft!uibu!bmm!bdujpot!bsjtjoh!pvu!pg-!jo!dpoofdujpo!xjui!ps!sfmbujoh!up!uijt! Qpmjdz!tibmm!cf!cspvhiu!pomz!jo!b!gfefsbm!ps!tubuf!dpvsu!pg!dpnqfufou!kvsjtejdujpo!mpdbufe!jo!uif!tbnf!tubuf!ps! ufssjupsz!xifsf!uif!Gjstu Fbdi!Jotvsfe boe!uif!Jotvsfs;!)2*!dpotfout!up!qfstpobm!kvsjtejdujpo!jo!uif!Gpsvn!Dpvsut<!)3*!xbjwft!boz! pckfdujpo!up!wfovf!jo!uif!Gpsvn!Dpvsut<!)4*!xbjwft!boz!pckfdujpo!uibu!uif!Gpsvn!Dpvsut!bsf!bo!jodpowfojfou! gpsvn<!boe!)5*!bhsfft!opu!up!dpnnfodf!ps!nbjoubjo!boz!bdujpo!bsjtjoh!pvu!pg-!jo!dpoofdujpo!xjui!ps!sfmbujoh! up!uijt!Qpmjdz!jo!boz!dpvsu!puifs!uibo!jo!uif!Gpsvn!Dpvsut/ YYJJ/DPNQMJBODF!XJUI!BQQMJDBCMF!USBEF!BOE!FDPOPNJD!TBODUJPO!MBXT! Uijt!jotvsbodf!dpwfsbhf!epft!opu!bqqmz!up!uif!fyufou!uibu!usbef!ps!fdpopnjd!tbodujpot!qspijcju!uif!Jotvsfs!ps! boz!nfncfs!pg!uifhspvq!gspn!qspwjejoh!jotvsbodf!dpwfsbhf-!jodmvejoh-!cvu!opu!mjnjufe!up-!uif! qbznfou!pg!dmbjnt/!! YYJJJ/DVSSFODZ Bmm!qsfnjvnt-!mjnjut-!Sfufoujpot-!Mptt!boe!puifs!bnpvout!voefs!uijt!Qpmjdz!bsf!fyqsfttfe!boe!qbzbcmf!jo!uif! dvssfodz!pg!uif!Vojufe!Tubuft!pg!Bnfsjdb/!!Jg!boz!bnpvou!qbzbcmf!voefs!uijt!Qpmjdz!jt!tubufe!jo!b!dvssfodz!puifs! uibo!Vojufe!Tubuft!pg!Bnfsjdb!epmmbst-!qbznfou!voefs!uijt!Qpmjdz!tibmm!cf!nbef!jo!Vojufe!Tubuft!pg!Bnfsjdb! epmmbst!bu!uif!fydibohf!sbuf!qvcmjtife!jo!The Wall Street Journal po!uif!ebuf!uif!pcmjhbujpo!up!qbz! tvdi!bnpvoujt!ftubcmjtife!)ps-!jg!opu!qvcmjtife!po!uibu!ebuf-!po!uif!ebufpg!ofyu!qvcmjdbujpo*/ YYJW/CBOLSVQUDZ Cbolsvqudz!ps!jotpmwfodz!pg!boz!Dpnqboz!ps!boz!Jotvsfe!Qfstpot!tibmm!opu!sfmjfwf!uif!Jotvsfs pg!jut! pcmjhbujpot!voefs!uijt!Qpmjdz!ops!efqsjwf!uif!Jotvsfs pg!jut!sjhiut!ps!efgfotft!voefs!uijt!Qpmjdz/!!Jo!uif!fwfou!pg! tvdi!cbolsvqudz!ps!jotpmwfodz-!uif!Jotvsfet!ifsfcz!xbjwf!boe!sfmfbtf!boz!bvupnbujd!tubz!ps!jokvodujpo!jo!tvdi! qspdffejoh!xijdi!nbz!bqqmz!up!uijt!Qpmjdz!ps!jut!qspdffet!boe!bhsff!opu!up!pqqptf!ps!pckfdu!up!boz!fggpsut!cz! uif Jotvsfs!ps!boz!Jotvsfet!up!pcubjo!sfmjfg!gspn!boz!tvdi!tubz!ps!jokvodujpo/ YYW/IFBEJOHT Uif!eftdsjqujpot!boe!ifbejoht!boe!tvc.ifbejoht!pg!uijt!Qpmjdz!bsf!tpmfmz!gps!dpowfojfodf-!boe!gpsn!op!qbsu!pg! uif!ufsnt-!dpoejujpot-!boe!mjnjubujpot!pg!uif!dpwfsbhf/! YYWJ/FOUJSF!BHSFFNFOU Cz!bddfqubodf!pg!uijt!Qpmjdz-!bmm!Jotvsfet!boe!uif!Jotvsfs!bhsff!uibu!uijt!Qpmjdz!)jodmvejoh!uif!Efdmbsbujpot! boe Bqqmjdbujpo*!boe!boz!xsjuufo!foepstfnfout!buubdife!ifsfup!dpotujuvuf!uif!foujsf!bhsffnfou!cfuxffo!uif! qbsujft/!Uif!ufsnt-!dpoejujpot!boe!mjnjubujpot!pg!uijt!Qpmjdz!dbo!cf!xbjwfe!ps!dibohfe!pomz!cz!xsjuufo! foepstfnfou!ifsfup/ NMQM.IDNN.3116!)15.35*Qbhf!27pg33 ª-!3135/ YYWJJ/BVUIPSJ\[BUJPO Uif!Gjstu!Obnfe!Jotvsfe tibmm!bdu!po!cfibmg!pg!bmm!Jotvsfet gps!uif!qbznfou!ps!sfuvso!pg!qsfnjvn-!uif!qbznfou! pg!Sfufoujpo!bnpvout-!uif!sfdfjqu!boe!bddfqubodf!pg!boz!foepstfnfou!jttvfe!up!gpsn!b!qbsu!pg!uijt!Qpmjdz-!uif! hjwjoh!boe!sfdfjwjoh!pg!boz!opujdft!ps!dpnnvojdbujpot!xjui!sftqfdu!up!boz!Dmbjn-!uif!hjwjoh!boe!sfdfjwjoh!pg! opujdf!pg!dbodfmmbujpo!ps!opo.sfofxbm-!boe!uif!fyfsdjtjoh!pg!boz!sjhiut!up!bo!Fyufoefe!Sfqpsujoh!Qfsjpe/!Uif! Jotvsfet!bhsff!uibu!uif!GjstuObnfe!Jotvsfe!tibmm!bdu!po!uifjs!cfibmg/ YYWJJJ/FYDMVTJPOT B/Uijt!Qpmjdz!epft!opu!qspwjef!dpwfsbhf!gps!Mptt jo!dpoofdujpo!xjui!boz!Dmbjn cbtfe!vqpo-!bsjtjoh!pvu!pg!ps! sftvmujoh!gspn!boz!bduvbm!ps!bmmfhfe; Bjsdsbgu-!Bvup-!Xbufsdsbgu jokvsz!ps!ebnbhf!bsjtjoh-!jo!xipmf!ps!jo!qbsu-!pvu!pg!uif!pxofstijq-!nbjoufobodf-!vtf!ps!fousvtunfou! up!puifst!pg!boz!bjsdsbgu-!Bvup-Npcjmf!Frvjqnfou-!ps!xbufsdsbgu/!!Vtf!jodmveft!pqfsbujpo!boe! mpbejoh!boe!vompbejoh/ Qspwjefe!ipxfwfs-!uijt!Fydmvtjpo!tibmm!opu!bqqmz!up!bo!puifsxjtf!dpwfsfe!Dmbjn voefs!uif! Qspgfttjpobm!Mjbcjmjuz!Dpwfsbhf!Qbsu!gps!jokvsz!dbvtfe!evsjoh!uif!mpbejoh!ps!vompbejoh!pg!Qbujfout joup!ps!gspn!boz!wfijdmf-!xbufsdsbgu!ps!bjsdsbgu!cz!uif!Jotvsfe/ Boujusvtu0Vogbjs!Dpnqfujujpo0SJDP 2/boujusvtu-!qsjdf!gjyjoh-!npopqpmj{bujpo-!sftusbjou!pg!usbef-!qsjdf!ejtdsjnjobujpo-!qsfebupsz!qsjdjoh!ps! wjpmbujpo!pg!uif!Tifsnbo!Bdu-!uif!Dmbzupo!Bdu-!ps!boz!gfefsbm!tubuvupsz!qspwjtjpo!sfhbsejoh!boujusvtu-! qsjdf!gjyjoh-!npopqpmj{bujpo-!sftusbjou!pg!usbef-qsjdf!ejtdsjnjobujpo!ps!qsfebupsz!qsjdjoh< 3/vogbjs!dpnqfujujpo-!ejmvujpo-!efdfqujwf!usbef!qsbdujdft-!djwjm!bdujpot!gps!dpotvnfs!gsbve!ps!gbmtf!ps! efdfqujwf!bewfsujtjoh!ps!njtsfqsftfoubujpo!jo!bewfsujtjoh< 4/wjpmbujpo!pg;! b/uif!Gfefsbm!Usbef!Dpnnjttjpo!Bdu<!ps c/uif!Sbdlfuffs!Jogmvfodfe!boe!Dpssvqu!Pshboj{bujpot!Bdu<!ps! 5/wjpmbujpo!pg!boz!svmft!ps!sfhvmbujpot!qspnvmhbufe!voefs!ps!jo!dpoofdujpo!xjui!uif!bcpwf!tubuvuft-! ps!boz!tjnjmbs!qspwjtjpo!pg!boz!gfefsbm-!tubuf-!gpsfjho!ps!puifs!mbx!)jodmvejoh!dpnnpo!mbx*!ps! tubuvuf/ Btcftupt0Tjmjdb0Mfbe0Gvohj0Cbdufsjb jokvsz!ps!ebnbhf!bsjtjoh!jo!xipmf!ps!jo!qbsu-!fjuifs!ejsfdumz!ps!joejsfdumz-!pvu!pg!btcftupt-!tjmjdb-!mfbe-! gvohj!ps!cbdufsjb-!jodmvejoh!npme!ps!njmefx-!boz!nzdpupyjot-!upyjot-!bmmfshfot-!tqpsft-!tdfout-!wbqpst-! hbtft!ps!cz.qspevdut!sfmfbtfe!cz!gvohj-!sfhbsemftt!pg!xifuifs!uif!btcftupt-!tjmjdb-!mfbe-!gvohj!ps! cbdufsjb!jt; 2/bjscpsof< 3/dpoubjofe!jo!boz!qspevdu< NMQM.IDNN.3116!)15.35*Qbhf!28pg33 ª-!3135/ 4/dbssjfe!ps!usbotnjuufe!po!dmpuijoh!ps!cz!boz!puifs!nfbot<!ps 5/dpoubjofe!jo!ps!b!qbsu!pg; b/boz!cvjmejoh< c/boz!cvjmejoh!nbufsjbm< d/boz!jotvmbujpo!qspevdu<!ps e/boz!dpnqpofou!qbsu!pg!boz!cvjmejoh-!cvjmejoh!nbufsjbm!ps!jotvmbujpo!qspevdu/ Qspwjefe-!ipxfwfs-!uijt!Fydmvtjpo!tibmm!opu!bqqmz!up!bo!puifsxjtf!dpwfsfe!Dmbjn voefs!uif!Qspgfttjpobm! Mjbcjmjuz!Dpwfsbhf!Qbsu!bsjtjoh!pvu!pg!gvohj!ps!cbdufsjb!xijdi!bsf!dpoubjofe!jo!GEB.bqqspwfe! nfejdbujpot!ps!jo!boz!qspevdut!xijdi!bsf!joufoefe!gps!dpotvnqujpo!ps!vtf!cz!ivnbo!cfjoht-!ps!up!xijdi! b Qbujfou bmmfhfemz!cfdpnft!fyqptfe!evsjoh!b!nfejdbm!qspdfevsf!ps!usfbunfou/ Cjpnfusjd!Ebub 2/ejtdmptvsf-!dpmmfdujpo-!qpttfttjpo-!vtbhf-!sfufoujpo-!tupsbhf-!usbotnjttjpo-!qspufdujpo-! ejttfnjobujpo-!sfmfbtf!pg!ps!eftusvdujpo!pg!Cjpnfusjd!Ebub< 3/gbjmvsf!up!pcubjo!qspqfs!dpotfou!sfhbsejoh!uif!ejtdmptvsf-!dpmmfdujpo-!qpttfttjpo-!vtbhf-!sfufoujpo-! tupsbhf-!usbotnjttjpo-!qspufdujpo-!ejttfnjobujpo-!sfmfbtf!pg!ps!eftusvdujpo!up!pg!Cjpnfusjd!Ebub< 4/tbmf-!mfbtf-!dbquvsf-!qvsdibtf!ps!usbef!ps!boz!puifs!uzqft!pg!qspgju!gspn!Cjpnfusjd!Ebub< 5/wjpmbujpo!pg!boz!qpmjdjft!ps!qsbdujdft!jowpmwjoh!Cjpnfusjd!Ebub<!ps 6/wjpmbujpo!pg!boz!gfefsbm-!tubuf!ps!mpdbm!tubuvupsz!mbx!ps!dpnnpo!mbx!bozxifsf!jo!uif!xpsme!jowpmwjoh! Cjpnfusjd!Ebub-!ps!boz!bnfoenfout!uifsfup!ps!svmft!ps!sfhvmbujpot!qspnvmhbufe!uifsfvoefs-! jodmvejoh!cvu!opu!mjnjufe!up;! b/uif!Jmmjopjt!Cjpnfusjd!Jogpsnbujpo!Qsjwbdz!Bdu<!ps! c/uif!Dbmjgpsojb!Dpotvnfs!Qsjwbdz!Bdu/ Qspwjefe-!ipxfwfs-!uijt!Fydmvtjpo!tibmm!opu!bqqmz!up!b!Dmbjn gps!Cpejmz!Jokvsz/ Dpoevdu dsjnjobm-!ejtipoftu-!gsbvevmfou-!nbmjdjpvt!ps!lopxjohmz!xspohgvm!bdujpot-!ps!boz!joufoujpobm!wjpmbujpo! pg!boz!mbx-!cz!boz!Jotvsfe<!ps!uif!hbjojoh!cz!boz!Jotvsfe pg!boz!qspgju-!sfnvofsbujpo!ps!bewboubhf! up!xijdi!tvdi!Jotvsfe jt!opu!mfhbmmz!foujumfe/ Up!efufsnjof!uif!bqqmjdbcjmjuz!pg!uijt!Fydmvtjpo!up!boz!Jotvsfe-!uif!njtdpoevdu!pg!boz!Jotvsfe! Qfstpo xjmm!opu!cf!jnqvufe!up!boz!puifs!Jotvsfe!Qfstpo/!!Uif!dpoevdu!pg!bo!Fyfdvujwf!Pggjdfs xjmm!cf!jnqvufe!up!uif!Dpnqboz up!efufsnjof!uif!bqqmjdbcjmjuz!pg!uijt!Fydmvtjpo/ Jg!boz!Jotvsfe jt!gpvoe!up!ibwf!fohbhfe!jo-!ps!benjut!up!fohbhjoh!jo-!uif!dpoevdu!tqfdjgjfe!jo!uijt! Fydmvtjpo-!tvdi!Jotvsfe xjmm!sfjncvstf!uif!Jotvsfs gps!boz!Efgfotf!Dptut bewbodfe!up!ps!qbje!po! cfibmg!pg!tvdi!Jotvsfe/ NMQM.IDNN.3116!)15.35*Qbhf!29pg33 ª-!3135/ Qspwjefe-!ipxfwfs-!uijt!Fydmvtjpo!xjmm!opu!bqqmz!up!Jotvsjoh!Bhsffnfou!C/!Tfyvbm!Njtdpoevdu!boe! Qiztjdbm!Bcvtf!Dpwfsbhf!pg!uif!Qspgfttjpobm!Mjbcjmjuz!Dpwfsbhf!Qbsu-!boe!jotufbe!uif!tdpqf!pg! dpwfsbhf!boe!efgfotf!gps!bo!njtdpoevdu!tibmm!cf!hpwfsofe!cz!uif!Tfyvbm!Njtdpoevdu! boe!Qiztjdbm!Bcvtf!Dpwfsbhf!Jotvsjoh!Bhsffnfou-!tvckfdu!up!bmm!puifs!bqqmjdbcmf!ufsnt!boe! dpoejujpot/ Dpousbduvbm!Mjbcjmjuz mjbcjmjuz!pg!boz!Jotvsfe voefs!boz!dpousbdu!ps!bhsffnfou-!jodmvejoh!boz!fyqsftt!xbssbouz!ps! hvbsbouff-!xjuipvu!sfhbse!up!xifuifs!tvdi!mjbcjmjuz!jt!ejsfdu!ps!bttvnfe<!ps!uif!csfbdi!pg!bo!fyqsftt! ps!jnqmjfe!dpousbdu!ps!bhsffnfou/ Qspwjefe-!ipxfwfs-!uijt!Fydmvtjpo!xjmm!opu!bqqmz!up;! 2/mjbcjmjuz!bo!Jotvsfe xpvme!ibwf!jo!uif!bctfodf!pg!tvdi!dpousbdu!ps!bhsffnfou<!ps 3/tpmfmz!xjui!sftqfdu!up!uif!Hfofsbm!Mjbcjmjuz!Dpwfsbhf!Qbsu-!bo!Jotvsfe!Dpousbdu/ Ejtdsjnjobujpo ejtdsjnjobujpo!bhbjotu!boz!qfstpo!ps!foujuz!po!boz!cbtjt-!jodmvejoh!opu!mjnjufe!up-!sbdf-!dsffe-!dpmps-! sfmjhjpo-!tfy-!tfyvbm!psjfoubujpo-!hfoefs!jefoujuz-!fuiojd!cbdlhspvoe-!obujpobm!psjhjo-!bhf-!ejtbcjmjuz-! iboejdbq!ps!qsfhobodz-!ps!boz!bduvbm!ps!bmmfhfewjpmbujpo!pg!53!V/T/D/!¨!2:94/ Fnqmpznfou!Qsbdujdft Fnqmpznfou!Qsbdujdft/ Joufmmfduvbm!Qspqfsuz jogsjohfnfou-!wjpmbujpo!ps!njtbqqspqsjbujpo!pg!boz!dpqzsjhiu-!usbefnbsl-!usbef!esftt-!tfswjdf!nbsl! ps!puifs!joufmmfduvbm!qspqfsuz<!ps!qmbhjbsjtn!ps!qjsbdz/ Qspwjefe-!ipxfwfs-!uijt!Fydmvtjpo!epft!opu!bqqmz!up;! 2/Bewfsujtjoh!Jokvsz voefs!uif!Hfofsbm!Mjbcjmjuz!Dpwfsbhf!Qbsu<!ps 3/dpwfsbhf!qspwjefe!voefs!Jotvsjoh!Bhsffnfou!D/!Nfejb!Mjbcjmjuz!Dpwfsbhf!pg!uif!Ufdiopmphz! boe!Nfejb!Mjbcjmjuz!Dpwfsbhf!Qbsu/ Ovdmfbs 2/mjbcjmjuz;! b/xjui!sftqfdu!up!xijdi!bo!Jotvsfe voefs!uif!qpmjdz!jt!bmtp!bo!jotvsfe!voefs!b!ovdmfbs!fofshz! mjbcjmjuz!qpmjdz!jttvfe!cz!Ovdmfbs!Fofshz!Mjbcjmjuz!Jotvsbodf!Bttpdjbujpo-!Nvuvbm!Bupnjd!Fofshz! Mjbcjmjuz!Voefsxsjufst-!Ovdmfbs!Jotvsbodf!Bttpdjbujpo!pg!Dbobeb!ps!boz!pg!uifjs!tvddfttpst-!ps! xpvmecf!bo!jotvsfe!voefs!boz!tvdi!qpmjdz!cvu!gps!jut!ufsnjobujpo!vqpo!fyibvtujpo!pg!jut!mjnju!pg! mjbcjmjuz<!ps! NMQM.IDNN.3116!)15.35*Qbhf!2:pg33 ª-!3135/ c/sftvmujoh!gspn!uif!ib{bsepvt!qspqfsujft!pg!Ovdmfbs!Nbufsjbm boe!xjui!sftqfdu!up!xijdi!)b*!boz! qfstpo!ps!pshboj{bujpo!jt!sfrvjsfe!up!nbjoubjo!gjobodjbm!qspufdujpo!qvstvbou!up!uif!Bupnjd! Fofshz!Bdu!pg!2:65-!ps!boz!mbx!bnfoebupsz!uifsfpg-!ps!)c*!uif!Jotvsfe jt-!ps!ibe!uijt!qpmjdz!opu! cffo!jttvfe!xpvme!cf-!foujumfe!up!joefnojuz!gspn!uif!Vojufe!Tubuft!pg!Bnfsjdb-!ps!boz!bhfodz! uifsfpg-!voefs!boz!bhsffnfou!foufsfe!joup!cz!uif!Vojufe!Tubuft!pg!Bnfsjdb-!ps!boz!bhfodz! uifsfpg-!xjui!boz!qfstpo!ps!pshboj{bujpo/! 3/mjbcjmjuz!sftvmujoh!gspn!uif!ib{bsepvt!qspqfsujft!pg!Ovdmfbs!Nbufsjbm-!jg;! b/uif Ovdmfbs!Nbufsjbm jt!bu!boz!Ovdmfbs!Gbdjmjuz pxofe!cz-!ps!pqfsbufe!cz!ps!po!cfibmg!pg-!bo! Jotvsfe-!ps!ibt!cffo!ejtdibshfe!ps!ejtqfstfe!uifsfgspn<! c/uif Ovdmfbs!Nbufsjbm jt!dpoubjofe!jo!Tqfou!Gvfm ps Xbtuf bu!boz!ujnf!qpttfttfe-!iboemfe-! vtfe-!qspdfttfe-!tupsfe-!usbotqpsufe!ps!ejtqptfe!pg-!cz!ps!po!cfibmg!pg!bo!Jotvsfe<!ps! 4/mjbcjmjuz!bsjtjoh!pvu!pg!uif!gvsojtijoh!cz!bo!Jotvsfe pg!tfswjdft-!nbufsjbmt-!qbsut!ps!frvjqnfou!jo! dpoofdujpo!xjui!uif!qmboojoh-!dpotusvdujpo-!nbjoufobodf-!pqfsbujpo!ps!vtf!pg!boz!Ovdmfbs!Gbdjmjuz- cvu!jg!tvdi!gbdjmjuz!jt!mpdbufe!xjuijo!uif!Vojufe!Tubuft!pg!Bnfsjdb-!jut!ufssjupsjft!ps!qpttfttjpot!ps! Dbobeb-!uijt!qbsbhsbqi!4/!bqqmjft!pomz!up!qspqfsuz!ebnbhf!up!tvdi!Ovdmfbs!Gbdjmjuz boe!boz! qspqfsuz!uifsfbu/ Qbufou jowbmjejuz0wbmjejuz-!jogsjohfnfou-!wjpmbujpo!ps!njtbqqspqsjbujpo!pg!boz!qbufou!ps!boz!gbmtf!nbsljoh!jo! wjpmbujpo!pg!uif!Vojufe!Tubuft!Qbufou!Bdu/ Qpmmvujpo jokvsz!ps!ebnbhf!sftvmujoh!gspn; 2/uif!bduvbm-!bmmfhfe!ps!uisfbufofe!ejtdibshf-!ejtqfstbm-!tffqbhf-!njhsbujpo-!sfmfbtf!ps!ftdbqf! pg Qpmmvubout bu!boz!ujnf<!ps 3/boz!sfrvftu-!efnboe!ps!psefs!uibu!boz!Jotvsfe bcbuf-!uftu!gps-!npojups-!dmfbo!vq-!sfnpwf-! dpoubjo-!usfbu-!efupyjgz-!ofvusbmj{f-!fodbqtvmbuf-!sfnfejbuf-!ejtqptf!pg-!ps!jo!boz!xbz!sftqpoe! up-!ps!bttftt!uif!fggfdut!pg-!Qpmmvubout/ Qspwjefe-!ipxfwfs-!uijt!Fydmvtjpo!epft!opu!bqqmz!up!uif!fyufou!uibu!dpwfsbhf!jt!qspwjefe!voefs!uif! Hfofsbm!Mjbcjmjuz!Dpwfsbhf!Qbsu!gps; b/Cpejmz!Jokvsz jg!tvtubjofe!xjuijo!b!cvjmejoh!xijdi!jt!ps!xbt!bu!boz!ujnf!pxofe!ps!pddvqjfe-!ps! sfoufe!ps!mpbofe!up-!boz!Jotvsfe boe!dbvtfe!cz!Qpmmvubout qspevdfe!cz!ps!psjhjobujoh!gspn! frvjqnfou!uibu!jt!vtfe!up!ifbu-!dppm!ps!efivnjejgz!uif!cvjmejoh-!ps!frvjqnfou!uibu!jt!vtfe!up! c/Cpejmz!Jokvsz ps Qspqfsuz!Ebnbhf bsjtjoh!pvu!pg!ifbu-!tnplf!ps!gvnft!gspn!b!Iptujmf!Gjsf cvu!pomz!up!uif!fyufou!uibu!dpwfsbhf!jt!qspwjefe!voefs!Tfdujpo!J/F/!pg!uif!Hfofsbm!Mjbcjmjuz! Dpwfsbhf!Qbsu-!vomftt!uif!Iptujmf!Gjsf pddvssfe!ps!psjhjobufe; j/bu!boz!qsfnjtft-!tjuf!ps!mpdbujpo!xijdi!jt!ps!xbt!bu!boz!ujnf!vtfe!cz!ps!gps!boz!Jotvsfe ps puifst!gps!uif!iboemjoh-!tupsbhf-!ejtqptbm-!qspdfttjoh!ps!usfbunfou!pg!xbtuf<!ps NMQM.IDNN.3116!)15.35*Qbhf!31pg33 ª-!3135/ jj/bu!boz!qsfnjtft-!tjuf!ps!mpdbujpo!po!xijdi!boz!Jotvsfe!ps!boz!dpousbdupst!ps!tvcdpousbdupst! xpsljoh!ejsfdumz!ps!joejsfdumz!po!boz!cfibmg!bsf!qfsgpsnjoh!pqfsbujpot!up!uftu!gps-! npojups-!dmfbo!vq-!sfnpwf-!dpoubjo-!usfbu-!efupyjgz-!ofvusbmj{f!ps!jo!boz!xbz!sftqpoe!up-!ps! bttftt!uif!fggfdut!pg!Qpmmvubout/ Qsjps!LopxmfehfboeQsjpsOpujdf Xspohgvm!Bdu uibu;! 2/boz!Jotvsfe lofx-!qsjps!up!uif!Qpmjdz!Qfsjpe-!xbt!bo!bdu-!fssps!ps!pnjttjpo!uibu!sfbtpobcmz! dpvme!cf!fyqfdufe!up!hjwf!sjtf!up!b!Dmbjn xijdi!xpvme!cf!dpwfsfe!voefs!uijt!Qpmjdz<!ps 3/xbt!uif!tvckfdu!pg!boz!opujdf!hjwfo!qsjps!up!uif!jodfqujpo!pg!uif!Qpmjdz!Qfsjpe voefs!boz!qpmjdz! pg!xijdi!uijt!Qpmjdz!jt!b!ejsfdu!ps!joejsfdu!sfofxbm!ps!sfqmbdfnfou-!qspwjefe!uif!jotvsfs!pg!tvdi! qpmjdz!eje!opu!sfkfdu!tvdi!opujdf!bt!jowbmje/ Qspwjefe-!ipxfwfs-!uijt!Fydmvtjpo!epft!opu!bqqmz!up!uif!Hfofsbm!Mjbcjmjuz!Dpwfsbhf!Qbsu! Pddvssfodf/! Qsjwbdz njtbqqspqsjbujpo-!njtvtf!ps!ejtdmptvsf!pg!qfstpobm-!dpogjefoujbm-!qsjwbuf!ps!qspqsjfubsz!jogpsnbujpo<! ps!boz!wjpmbujpo!pg!gfefsbm-!tubuf-!mpdbm!ps!gpsfjho!mbxt!hpwfsojoh!uif!vtf!boe!qspufdujpo!pg!qfstpobm-! dpogjefoujbm-!qsjwbuf!ps!qspqsjfubsz!jogpsnbujpo-!jodmvejoh!cvu!opu!mjnjufe!up!uif!Ifbmui!Jogpsnbujpo! Qpsubcjmjuz!boe!Bddpvoubcjmjuz!Bdu!)IJQBB*!Qsjwbdz!Svmf!boe!uif!Ifbmui!Jogpsnbujpo!Ufdiopmphz!gps! Fdpopnjd!boe!Dmjojdbm!Ifbmui!Bdu!)IJUFDI*<!ps!boz!csfbdi!pg!ps!vobvuipsj{fe!bddftt!up!ps!vtf!pg! b!dpnqvufs-!fmfduspojd!efwjdf-!dpnqvufs!ofuxpsl!ps!dpnqvufs!tztufn!tfdvsjuz/ Qspwjefe-!ipxfwfs-!uijt!Fydmvtjpo!epft!opu!bqqmz!up!dpwfsbhf!qspwjefe!voefs!Jotvsjoh!Bhsffnfou! F/!IJQBB!Dmbjnt!Dpwfsbhf!pg!uif!Qspgfttjpobm!Mjbcjmjuz!Dpwfsbhf!Qbsu/ Ufdiopmphz!Qspevdut!boe!Tfswjdft Ufdiopmphz!Qspevdut!ps Ufdiopmphz!Tfswjdft<!qspwjefe-!ipxfwfs-!uijt!Fydmvtjpo!epft!opu!bqqmz! up!uif!Ufdiopmphz!boe!Nfejb!Mjbcjmjuz!Dpwfsbhf!Qbsu/ Wjpmbujpo!pg!Mbx wjpmbujpo!pg!boz!gfefsbm-!tubuf-!ufssjupsz-!mpdbm!ps!gpsfjho!tubuvuf!ps!sfhvmbujpo<!qspwjefe-!ipxfwfs-!uijt! Fydmvtjpo!epft!opu!bqqmz!up!dpwfsbhf!qspwjefe!voefs!Jotvsjoh!Bhsffnfout!D/!Ejtdjqmjobsz! Qspdffejoht!Dpwfsbhf!boe!F/!IJQBB!Dmbjnt!Dpwfsbhf!pg!uif!Qspgfttjpobm!Mjbcjmjuz!Dpwfsbhf!Qbsu/ Xbs jokvsz!ps!ebnbhf!sftvmujoh!gspn; 2/xbs-!jodmvejoh!voefdmbsfe!djwjm!xbs< 3/xbsmjlf!bdujpo!cz!b!njmjubsz!gpsdf-!jodmvejoh!bdujpo!jo!ijoefsjoh!ps!efgfoejoh!bhbjotu!bo!bduvbm!ps! fyqfdufe!buubdl-!cz!boz!hpwfsonfou-!tpwfsfjho!ps!puifs!bvuipsjuz!vtjoh!njmjubsz!qfstpoofm!ps! puifs!bhfout<!ps 4/jotvssfdujpo-!sfcfmmjpo-!sfwpmvujpo-!vtvsqfe!qpxfs-!ps!bdujpo!ublfo!cz!hpwfsonfoubm!bvuipsjuz!jo! ijoefsjoh!ps!efgfoejoh!bhbjotu!boz!pg!uiftf< NMQM.IDNN.3116!)15.35*Qbhf!32pg33 ª-!3135/ sfhbsemftt!pg!boz!puifs!dbvtf!ps!fwfou!uibu!dpousjcvuft!dpodvssfoumz!ps!jo!boz!tfrvfodf!up!uif!jokvsz! ps!ebnbhf/!! Xbssbouz!ps!Hvbsbouff sfqsftfoubujpot!ps!hvbsboufft!nbef!xjui!sftqfdu!up!dpousbdu!qsjdf!ps!dptu!hvbsbouz-!sfuvso!po! jowftunfou-!dptu!tbwjoht-!qspgjubcjmjuz-!ps!ujnf!pg!efmjwfsz/ Xfctjuf!Usbdljoh uif!vtf!pg!uif!Nfub!Qjyfm!dpef!ps!puifs!tjnjmbs!dpef!vtfe!up!usbdl!vtfs!bdujwjuz!po!b!xfctjuf/ B/pcmjhbujpo-!jokvsz!ps!ebnbhf-!gps!xijdi!boz!Jotvsfe vofnqmpznfou!dpnqfotbujpo-!ejtbcjmjuz!cfofgjut!ps!boz!tjnjmbs!mbx/ C/Uijt!Qpmjdz!epft!opu!qspwjef!dpwfsbhf!gps!Mptt jo!dpoofdujpo!xjui!boz!Dmbjn; Jotvsfe!w/!Jotvsfe cspvhiu!cz!ps!po!cfibmg!pg!boz!Jotvsfe bhbjotu!boz!puifs!Jotvsfe/!Qspwjefe-!ipxfwfs-!uijt!Fydmvtjpo! xjmm!opu!bqqmz!up!b!Dmbjn cspvhiu!cz;! 2/bo Beejujpobm!Jotvsfe< 3/bo Jotvsfe!Qfstpo voefs!uif!Qspgfttjpobm!Mjbcjmjuz!Dpwfsbhf!Qbsu-!jg!uif!Jotvsfe!Qfstpo!xbt!uif! sfdjqjfou!pg!Qspgfttjpobm!Tfswjdft<!ps 4/bo Fnqmpzff voefs!uif!Fnqmpzff!Cfofgjut!Mjbcjmjuz!Dpwfsbhf!Qbsu/ Hpwfsonfoubm cspvhiu!cz!ps!po!cfibmg!pg!boz!gfefsbm-!tubuf-!mpdbm!ps!gpsfjho!hpwfsonfou!ps!hpwfsonfoubm!bhfodz! ps!bt!b!ejsfdu!sftvmu!pg!boz!bdujpo!ps!psefs!cz!boz!epnftujd!ps!gpsfjho!mbx!fogpsdfnfou-! benjojtusbujwf-!sfhvmbupsz!ps!kvejdjbm!cpez!ps!puifs!hpwfsonfoubm!bvuipsjuz<!qspwjefe-!ipxfwfs-!uijt! fydmvtjpo!tibmm!opu!bqqmz!up!boz!Dmbjn cspvhiu!cz!boz!pg!uif!gpsfhpjoh!xifo!bdujoh!jo!uif!dbqbdjuz! pg!b!dvtupnfs!ps!dmjfou!pg!uif!Jotvsfe/ NMQM.IDNN.3116!)15.35*Qbhf!33pg33 ª-!3135/ ! UIJT!FOEPSTFNFOU!DIBOHFT!UIF!QPMJDZ/!!QMFBTF!SFBE!JU!DBSFGVMMZ/! QSJNBSZ!BOE!OPO.DPOUSJCVUPSZ!BOE!XBJWFS!PG!TVCSPHBUJPO!PQUJPOT!GPS! BEEJUJPOBM!JOTVSFET!FOEPSTFNFOU ! Obnf!pg!Jotvsfe;!Jmmvnjobujpo!Gpvoebujpo! Qpmjdz!Ovncfs;!251113318! Foepstfnfou!Ovncfs;!115! Fggfdujwf!Ebuf!pg!Foepstfnfou;!Gfcsvbsz!16-!3136! Obnf!pg!Jotvsfs;!RCF!Tqfdjbmuz!Jotvsbodf!Dpnqboz! Uijt!foepstfnfou!npejgjft!jotvsbodf!qspwjefe!voefs!uif!gpmmpxjoh;! HFOFSBM!UFSNT!BOE!DPOEJUJPOT! TDIFEVMF! Bmm!Beejujpobm!Jotvsfet! Ju!jt!bhsffe!uibu-!tpmfmz!xjui!sftqfdu!up!uif!Beejujpobm!Jotvsfet!jefoujgjfe!jo!uif!Tdifevmf!boe!tpmfmz!xjui!sftqfdu! up!uif!Hfofsbm!Mjbcjmjuz!Dpwfsbhf!Qbsut-!uif!Qpmjdz!jt!bnfoefe!bt!gpmmpxt!jg!bo!Y!jt!tipxo!jo!uif!cpy;! Jg!uif!Obnfe!Jotvsfe!ibt!bhsffe!jo!jut!xsjuufo!dpousbdu!xjui!uif!Beejujpobm!Jotvsfe!up!qspwjef!uif!Beejujpobm! Y! Jotvsfe!dpwfsbhf!po!b!qsjnbsz!boe!opo.dpousjcvupsz!cbtjt-!uijt!Qpmjdz!tibmm!cf!qsjnbsz!boe!uif!Jotvsfs!xjmm!opu! tffl!dpousjcvujpo!gspn!uif!Beejujpobm!Jotvsfe(t!qpmjdz/! Uif!Jotvsfs!xbjwft!boz!sjhiu!pg!sfdpwfsz!ju!nbz!ibwf!bhbjotu!boz!qfstpo!ps!pshboj{bujpo-!xifsf!sfrvjsfe!cz! Y! uif!Obnfe!Jotvsfe(t!xsjuufo!dpousbdu!xjui!uif!Beejujpobm!Jotvsfe-!cfdbvtf!pg!qbznfout!nbef!cz!uif!Jotvsfs! gps!Mptt!bsjtjoh!pvu!pg!uif!Obnfe!Jotvsfe(t!pqfsbujpot/! Bmm!puifs!ufsnt!boe!dpoejujpot!pg!uijt!Qpmjdz!sfnbjo!vodibohfe/!! MLPL-HCMM-2020 (06-24) © ,2024 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SPECIFIC LIMITS FOR SPECIFIED LOCATIONS OR CONTRACTS ENDORSEMENT Obnf!pg!Jotvsfe;!Jmmvnjobujpo!Gpvoebujpo! Qpmjdz!Ovncfs;!251113318! Foepstfnfou!Ovncfs;!112 Fggfdujwf!Ebuf!pg!Foepstfnfou;!Efdfncfs!12-!3135! Obnf!pg!Jotvsfs;!RCF!Tqfdjbmuz!Jotvsbodf!Dpnqboz! MLPL-HCMM-2011 (05-24) © ,2024 Page 1 of UIJT!FOEPSTFNFOU!DIBOHFT!UIF!QPMJDZ/!QMFBTF!SFBE!JU!DBSFGVMMZ/ EFMFUF!BOE!SFQMBDF!GPSN Obnfe!Jotvsfe;Jmmvnjobujpo!Gpvoebujpo Qpmjdz!Ovncfs;251113318 Foepstfnfou!Ovncfs;11 Fggfdujwf!Ebuf!pg!Foepstfnfou;Nbsdi-!3136! Obnf!pg!Jotvsfs;RCF!Tqfdjbmuz!Jotvsbodf!Dpnqboz Uijt!foepstfnfou!npejgjft!jotvsbodf!qspwjefe!voefs!uif!gpmmpxjoh;! HFOFSBMUFSNTBOEDPOEJUJPOT Ju!jt!ifsfcz!bhsffe!uibu!uif!foepstfnfou!ovncfs!11 jt!efmfufe!jo!jut!foujsfuz!boe!sfqmbdfe!xjui!uiffoepstfnfou ovncfs 11 foujumfe Bmmpuifs!ufsnt!boe!dpoejujpot!pg!uijt!Qpmjdz!sfnbjo!vodibohfe/! NMQM.IDNN.3158!)16.35*ª-!3135 Qbhf2pg2 UIJT!FOEPSTFNFOU!DIBOHFT!UIF!QPMJDZ/!QMFBTF!SFBE!JU!DBSFGVMMZ/ BEEJUJPOBM!OBNFE!JOTVSFET!FOEPSTFNFOU Obnf!pg!Jotvsfe;! Qpmjdz!Ovncfs;! Foepstfnfou!Ovncfs;! Fggfdujwf!Ebuf!pg!Foepstfnfou;! Obnf!pg!Jotvsfs;! JJ/!HMPTTBSZObnfe!Jotvsfe Obnfe!JotvsfeXspohgvm!Bdut Sfuspbdujwf!EbuftJotvsfe!Qfstpot NMQM.IDNN.3121!)16.35*Qbhf!2pg2 712/8/2025 E(MM/DD/YYYY) A�" CERTIFICATE OF LIABILITY INSURANCE THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED,the policy(ies)must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT NAME: Jeff Davis Marsh &McLennan Agency LLC PHONE FAX Marsh &McLennan Ins.Agency LLC vC No Ext: 949-544-8481 vc,No: E-M1 Polaris Way#300 ADDRESS: jeff.davis@marshmma.com Aliso Viejo CA 92656 INSURER(S)AFFORDING COVERAGE NAIC# License#:OH18131 INSURERA: QBE Specialty Insurance Company 11515 INSURED ILLUMFOUND INSURERB: Redwood Fire and Casualty Insurance Co 11673 Illumination Health + Home 2871 Pullman St INsuRERc: Berkshire Hathaway Specialty Ins Co 22276 Santa Ana, CA 92705-5713 INSURERD: Underwriters at Lloyd's London 55555 INSURER E: INSURER F: COVERAGES CERTIFICATE NUMBER:542651510 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR TYPE OF INSURANCE ADDL SUBR POLICY EFF POLICY EXP LIMITS LTR INSD WVD POLICYNUMBER MM/DD MM/DD A X COMMERCIAL GENERAL LIABILITY 140002207 12/1/2025 12/1/2026 EACH OCCURRENCE $2,000,000 CLAIMS-MADE OCCUR PREMISES DAMAGE TO PREMISES Ea occurrence) ccurrence $50,000 MED EXP(Any one person) $5,000 PERSONAL&ADV INJURY $1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $4,000,000 POLICY PRO ❑ LOC PRODUCTS-COMP/OP AGG $3,000,000 X El JECT OTHER: $ B AUTOMOBILE LIABILITY 01APM06426901 12/1/2025 12/1/2026 COMBINED SINGLE LIMIT $1,000,000 Ea accident ANY AUTO BODILY INJURY(Per person) $ OWNED X SCHEDULED BODILY INJURY(Per accident) $ AUTOS ONLY AUTOS HIRED NON-OWNED PROPERTY DAMAGE $ AUTOS ONLY AUTOS ONLY Per accident UMBRELLALIAB OCCUR EACH OCCURRENCE $ EXCESS LAB CLAIMS-MADE AGGREGATE $ DED RETENTION$ $ C WORKERS COMPENSATION ILWC613770 1/1/2025 1/1/2026 X PER OTH- AND EMPLOYERS'LIABILITY Y/N STATUTE ER ANYPROPRIETOR/PARTNER/EXECUTIVE N/A E.L.EACH ACCIDENT $1,000,000 OFFICE R/M EMBER EXCLUDED? (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $1,000,000 If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $1,000,000 A PROFESSIONAL LIABILITY 140002207 12/1/2025 12/1/2026 EACH CLAIM/AGGREGAT $2M/$2M D SEXUAL ABUSE&MOLESTATION B0621PILL0001325 12/1/2025 12/1/2026 EACH CLAIM/AGGREGAT $1M/$1M DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,maybe attached if more space is required) Waiver of Subrogation applies to General Liability,Auto Liability,and Workers Compensation,where required by written contract,per the attached endorsements. Digitally signed by Tran Iran Tu Tran Nguyen Date:2025.12.08 Nguyen 14:56:46-08'00' APPROVED JBy Tu Tran Nguyen at 2:56 pm,Dec 08,2025 �] CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. City of Santa Ana 20 Civic Center Plaza AUTHORIZED REPRESENTATIVE Santa Ana CA 92701 @ 1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25(2016/03) The ACORD name and logo are registered marks of ACORD rXh W QBE_ THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY AND NON-CONTRIBUTORY AND WAIVER OF SUBROGATION OPTIONS FOR ADDITIONAL INSUREDS ENDORSEMENT Name of Insured: Illumination Health+Home Policy Number: 140002207 Endorsement Number: 004 Effective Date of Endorsement: 12/01/2025 Name of Insurer: QBE Specialty Insurance Company This endorsement modifies insurance provided under the following: GENERAL TERMS AND CONDITIONS SCHEDULE All Additional Insureds It is agreed that, solely with respect to the Additional Insureds identified in the Schedule and solely with respect to the General Liability Coverage Parts, the Policy is amended as follows if an X is shown in the box: l If the Named Insured has agreed in its written contract with the Additional Insured to provide the Additional Insured coverage on a primary and non-contributory basis, this Policy shall be primary and the Insurer will not seek contribution from the Additional Insured's policy. El The Insurer waives any right of recovery it may have against any person or organization, where required by the Named Insured's written contract with the Additional Insured, because of payments made by the Insurer for Loss arising out of the Named Insured's operations. All other terms and conditions of this Policy remain unchanged. MLPL-HCMM-2020(06-24) ©QBE,2o24 Page 1 of 1 POLICY NUMBER: 01 APM 064269 - 01 M-5144a(06/2007) WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM BUSINESS AUTO PHYSICAL DAMAGE COVERAGE FORM GARAGE COVERAGE FORM MOTOR CARRIER COVERAGE FORM TRUCKERS COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modi- fied by the endorsement. This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below. Endorsement Effective: Countersigned By: 12/01/2025 12:01 AM Named Insured: ILLUMINATION HEALTH + HOME (Authorized Representative) SCHEDULE Name Of Person(s)Or Organization(s): City of Santa Ana, its City Council,elected and appointed officials, and employees 20 Civic Center Plaza Santa Ana, CA 92701 Additional Premium $ 100 (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) The Transfer Of Rights Of Recovery Against Others To Us Condition does not apply to the person(s) or organiza- tion(s)shown in the Schedule. We will retain the additional premium shown above, regardless of any early termi- nation of this endorsement or the policy. Includes copyrighted material of Insurance Services Office,Inc.with its permission. M-5144a(0612007) 12/04/2025 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 99 04 02 C (Ed. 9-14) WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT - CALIFORNIA We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule. The additional premium for this endorsement shall be 5% of the applicable manual premium otherwise due on such remuneration subject to a policy maximum charge for all such waivers of 5%of total manual premium. The minimum premium for this endorsement is$350. This agreement shall not operate directly or indirectly to benefit anyone not named in the Schedule. Schedule Specific Waiver Person/Organization: City of Santa Ana, its City Council, officers, officials, employees, agents, and volunteers Job Description: Contract with City to provides services to the homeless Waiver Premium: 350.00 Payroll Subject Class State to Waiver 8804 CA 1.00 This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective: 01/01/2025 Policy No.: ILWC613770 Endorsement No.: Insured: Premium $ Insurance Company: Cypress Insurance Company WC 99 04 02C Countersigned by (Ed. 9-14) EBUF!)NN0EE0ZZZZ* DFSUJGJDBUF!PG!MJBCJMJUZ!JOTVSBODF UIJT!DFSUJGJDBUF!JT!JTTVFE!BT!B!NBUUFS!PG!JOGPSNBUJPO!POMZ!BOE!DPOGFST!OP!SJHIUT!VQPO!UIF!DFSUJGJDBUF!IPMEFS/!UIJT DFSUJGJDBUF!EPFT!OPU!BGGJSNBUJWFMZ!PS!OFHBUJWFMZ!BNFOE-!FYUFOE!PS!BMUFS!UIF!DPWFSBHF!BGGPSEFE!CZ!UIF!QPMJDJFT CFMPX/!!UIJT!DFSUJGJDBUF!PG!JOTVSBODF!EPFT!OPU!DPOTUJUVUF!B!DPOUSBDU!CFUXFFO!UIF!JTTVJOH!JOTVSFS)T*-!BVUIPSJ\[FE SFQSFTFOUBUJWF!PS!QSPEVDFS-!BOE!UIF!DFSUJGJDBUF!IPMEFS/ JNQPSUBOU;!!Jg!uif!dfsujgjdbuf!ipmefs!jt!bo!BEEJUJPOBM!JOTVSFE-!uif!qpmjdz)jft*!nvtu!ibwf!BEEJUJPOBM!JOTVSFE!qspwjtjpot!ps!cf!foepstfe/ Jg!TVCSPHBUJPO!JT!XBJWFE-!tvckfdu!up!uif!ufsnt!boe!dpoejujpot!pg!uif!qpmjdz-!dfsubjo!qpmjdjft!nbz!sfrvjsf!bo!foepstfnfou/!!B!tubufnfou!po uijt!dfsujgjdbuf!epft!opu!dpogfs!sjhiut!up!uif!dfsujgjdbuf!ipmefs!jo!mjfv!pg!tvdi!foepstfnfou)t*/ DPOUBDU QSPEVDFS OBNF; GBY QIPOF )B0D-!Op*; )B0D-!Op-!Fyu*; F.NBJM BEESFTT; JOTVSFS)T*!BGGPSEJOH!DPWFSBHFOBJD!$ JOTVSFS!B!; JOTVSFE JOTVSFS!C!; JOTVSFS!D!; JOTVSFS!E!; JOTVSFS!F!; JOTVSFS!G!; DPWFSBHFTDFSUJGJDBUF!OVNCFS;SFWJTJPO!OVNCFS; UIJT!JT!UP!DFSUJGZ!UIBU!UIF!QPMJDJFT!PG!JOTVSBODF!MJTUFE!CFMPX!IBWF!CFFO!JTTVFE!UP!UIF!JOTVSFE!OBNFE!BCPWF!GPS!UIF!QPMJDZ!QFSJPE JOEJDBUFE/!!OPUXJUITUBOEJOH!BOZ!SFRVJSFNFOU-!UFSN!PS!DPOEJUJPO!PG!BOZ!DPOUSBDU!PS!PUIFS!EPDVNFOU!XJUI!SFTQFDU!UP!XIJDI!UIJT DFSUJGJDBUF!NBZ!CF!JTTVFE!PS!NBZ!QFSUBJO-!UIF!JOTVSBODF!BGGPSEFE!CZ!UIF!QPMJDJFT!EFTDSJCFE!IFSFJO!JT!TVCKFDU!UP!BMM!UIF!UFSNT- FYDMVTJPOT!BOE!DPOEJUJPOT!PG!TVDI!QPMJDJFT/!MJNJUT!TIPXO!NBZ!IBWF!CFFO!SFEVDFE!CZ!QBJE!DMBJNT/ BEEMTVCS QPMJDZ!FGGQPMJDZ!FYQ JOTS UZQF!PG!JOTVSBODFMJNJUT QPMJDZ!OVNCFS MUS)NN0EE0ZZZZ*)NN0EE0ZZZZ* JOTEXWE DPNNFSDJBM!HFOFSBM!MJBCJMJUZ FBDI!PDDVSSFODF% EBNBHF!UP!SFOUFE DMBJNT.NBEFPDDVS% QSFNJTFT!)Fb!pddvssfodf* NFE!FYQ!)Boz!pof!qfstpo*% QFSTPOBM!'!BEW!JOKVSZ% HFO(M!BHHSFHBUF!MJNJU!BQQMJFT!QFS;HFOFSBM!BHHSFHBUF% QSP. QPMJDZMPDQSPEVDUT!.!DPNQ0PQ!BHH% KFDU % PUIFS; DPNCJOFE!TJOHMF!MJNJU BVUPNPCJMF!MJBCJMJUZ% )Fb!bddjefou* BOZ!BVUP CPEJMZ!JOKVSZ!)Qfs!qfstpo*% PXOFETDIFEVMFE CPEJMZ!JOKVSZ!)Qfs!bddjefou*% BVUPT!POMZBVUPT OPO.PXOFE IJSFEQSPQFSUZ!EBNBHF % )Qfs!bddjefou* BVUPT!POMZBVUPT!POMZ % VNCSFMMB!MJBC FBDI!PDDVSSFODF% PDDVS FYDFTT!MJBC DMBJNT.NBEFBHHSFHBUF% % EFESFUFOUJPO% QFSPUI. XPSLFST!DPNQFOTBUJPO TUBUVUFFS BOE!FNQMPZFST(!MJBCJMJUZ Z!0!O BOZQ!SPQSJFUPS0QBSUOFS0FYFDVUJWF F/M/!FBDI!BDDJEFOU% O!0!B PGGJDFS0NFNCFS!FYDMVEFE@ )Nboebupsz!jo!OI* F/M/!EJTFBTF!.!FB!FNQMPZFF% Jg!zft-!eftdsjcf!voefs F/M/!EJTFBTF!.!QPMJDZ!MJNJU% EFTDSJQUJPO!PG!PQFSBUJPOT!cfmpx EFTDSJQUJPO!PG!PQFSBUJPOT!0!MPDBUJPOT!0!WFIJDMFT!!)BDPSE!212-!Beejujpobm!Sfnbslt!Tdifevmf-!nbz!cf!buubdife!jg!npsf!tqbdf!jt!sfrvjsfe* Ejhjubmmz!tjhofe!cz! Uv!Usbo! Uv!Usbo!Ohvzfo! Ebuf;!3137/12/25! 1:;55;5:!.19(11( Ohvzfo CzUvUsboOhvzfobu:;55bn-Kbo25-3137 DFSUJGJDBUF!IPMEFSDBODFMMBUJPO TIPVME!BOZ!PG!UIF!BCPWF!EFTDSJCFE!QPMJDJFT!CF!DBODFMMFE!CFGPSF UIF!FYQJSBUJPO!EBUF!UIFSFPG-!OPUJDF!XJMM!CF!EFMJWFSFE!JO BDDPSEBODF!XJUI!UIF!QPMJDZ!QSPWJTJPOT/ BVUIPSJ\[FE!SFQSFTFOUBUJWF ª!2:99.3126!BDPSE!DPSQPSBUJPO/!!Bmm!sjhiut!sftfswfe/ BDPSE!36!)3127014*Uif!BDPSE!obnf!boe!mphp!bsf!sfhjtufsfe!nbslt!pg!BDPSE UIJT!FOEPSTFNFOU!DIBOHFT!UIF!QPMJDZ/!!QMFBTF!SFBE!JU!DBSFGVMMZ/ QSJNBSZ!BOE!OPO.DPOUSJCVUPSZ!BOE!XBJWFS!PG!TVCSPHBUJPO!PQUJPOT!GPS! BEEJUJPOBM!JOTVSFET!FOEPSTFNFOU Obnf!pg!Jotvsfe;! Qpmjdz!Ovncfs;! Foepstfnfou!Ovncfs;!115 Fggfdujwf!Ebuf!pg!Foepstfnfou;! Obnf!pg!Jotvsfs;!RCF!Tqfdjbmuz!Jotvsbodf!Dpnqboz Uijt!foepstfnfou!npejgjft!jotvsbodf!qspwjefe!voefs!uif!gpmmpxjoh; HFOFSBM!UFSNT!BOE!DPOEJUJPOT TDIFEVMF Bmm!Beejujpobm!Jotvsfet Ju!jt!bhsffe!uibu-!tpmfmz!xjui!sftqfdu!up!uif!Beejujpobm!Jotvsfet jefoujgjfe!jo!uif!Tdifevmfboe!tpmfmz!xjui!sftqfdu! up!uif!Hfofsbm!MjbcjmjuzDpwfsbhf!Qbsut-!uif!Qpmjdz!jt!bnfoefe!bt!gpmmpxtjg!bo!Y!jt!tipxo!jo!uif!cpy; Jg!uif!Obnfe!Jotvsfe ibt!bhsffe!jo!jut!xsjuufo!dpousbdu!xjui!uif!Beejujpobm!Jotvsfe up!qspwjef!uif!Beejujpobm! Y Jotvsfe dpwfsbhf!po!b!qsjnbsz!boe!opo.dpousjcvupsz!cbtjt-!uijt!Qpmjdz!tibmm!cf!qsjnbsz!boe!uif!Jotvsfs xjmm!opu! tffl!dpousjcvujpo!gspn!uif!Beejujpobm!Jotvsfe(t qpmjdz/ Uif Jotvsfs xbjwft!boz!sjhiu!pg!sfdpwfsz!junbz!ibwf!bhbjotu!boz!qfstpo!ps!pshboj{bujpo-!xifsf!sfrvjsfe!cz! Y uif ObnfeJotvsfe(t xsjuufo!dpousbdu!xjui!uif!Beejujpobm!Jotvsfe-!cfdbvtf!pg!qbznfout!nbef!cz!uif!Jotvsfs gps Mptt bsjtjoh!pvu!pg!uif!Obnfe!Jotvsfe(t pqfsbujpot/ Bmm!puifs!ufsnt!boe!dpoejujpot!pg!uijt!Qpmjdz!sfnbjo!vodibohfe/ MLPL-HCMM-2020 (06-24) © ,2024 Page 1 of 1 CFUB!Sjtl!Nbobhfnfou!Bvuipsjuz!!)#CFUB SNB#* B!Qvcmjd!Foujuz BNFOENFOU CMBOLFU!XBJWFS!PG!PVS!SJHIU!UP!SFDPWFS!GSPN!PUIFST Dfsujgjdbuf!Ovncfs;Bnfoenfou!Op/; XD.36.2587X217.12 Jttvfe!up;!Jmmvnjobujpo!Ifbmui!,!Ipnf Fggfdujwf!Ebuf;!Fyqjsbujpo!Ebuf;!Beejujpobm!Dpousjcvujpo; 1201203137!bu!23;12!b/n/1801203137bu!23;12!b/n/Qfs!Dpousbdu Uijt!bnfoenfou!dibohft!uif!dpousbdu!up!xijdi!ju!jt!buubdife!fggfdujwf!po!jodfqujpo!ebuf!pg!uif!Dpwfsbhf Dpousbdu/ CFUB SNB!ibt!uif!sjhiu!up!sfdpwfs!qbznfout!ju!nblft!gspn!bozpof!mjbcmf!gps!bo!jokvsz!dpwfsfe!cz!uijt! Dpwfsbhf!Dpousbdu/!CFUB SNB!xjmm!opu!fogpsdf!jut!sjhiu!bhbjotu!uif!qfstpo!ps!pshboj{bujpo!obnfe!jo!uif! Tdifevmf/!Uijt!bnfoenfou!bqqmjft!pomz!up!uif!fyufou!xpsl!qfsgpsnfe!voefs!b!xsjuufo!dpousbdu!sfrvjsft!uif! Nfncfs up!pcubjo!uijt!bhsffnfou!gspn!CFUB SNB/ Uijt!foepstfnfou!epft!opu!bqqmz!up!cfofgjut!ps!ebnbhft!qbje!ps!dmbjnfe!cfdbvtf!pg!jokvsz!pddvssjoh!cfgpsf!uif! Nfncfs foufsfe!joup!tvdi!b!dpousbdu/ Uijt!bhsffnfou!tibmm!opu!pqfsbuf!ejsfdumz!ps!joejsfdumz!up!cfofgju!boz!pof!opu!obnfe!jo!uif!Tdifevmf/ Tdifevmf Boz!qfstpo!ps!pshboj{bujpo!xjui!xipn!uif!Nfncfs foufsfe!joup!b!dpousbdu-!b!dpoejujpo!pg!xijdi!sfrvjsft!uif! Nfncfs up!pcubjo!uijt!xbjwfs!gspn!CFUB SNB/ BMM!PUIFS!UFSNT-!DPOEJUJPOT!BOE!FYDMVTJPOT!SFNBJO!VODIBOHFE/ XD`FM!X217!)1802:*Qbhf8 Ebuf!Jttvfe;!Kbovbsz!12-!3137)Jojujbm* 76/25/2026 (MM/DD/YYYY) A`oRo° CERTIFICATE OF LIABILITY INSURANCE THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT NAME: Jeff Davis Marsh &McLennan Agency LLC PHONE FAX Marsh &McLennan Ins.Agency LLC vC No Ext: 949-544-8481 vc,No: E-M1 Polaris Way#300 ADDRESS: jeff.davis@marshmma.com Aliso Viejo CA 92656 INSURER(S)AFFORDING COVERAGE NAIC# License#:OH18131 INSURERA: QBE Specialty Insurance Company 11515 INSURED ILLUMFOUND INSURERB: Redwood Fire and Casualty Insurance Co 11673 Illumination Health + Home 2871 Pullman St INsuRERc: Underwriters at Lloyd's London 55555 Santa Ana, CA 92705-5713 INSURERD: BETA Healthcare Group Risk Management A 99900 INSURERE: Kinsale Insurance Company 38920 INSURER F: COVERAGES CERTIFICATE NUMBER:939912664 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR TYPE OF INSURANCE ADDL SUBR POLICY EFF POLICY EXP LIMITS LTR INSD WVD POLICYNUMBER MM/DD MM/DD A X COMMERCIAL GENERAL LIABILITY 140002207 12/1/2025 12/1/2026 EACH OCCURRENCE $2,000,000 CLAIMS-MADE OCCUR PREMISES DAMAGE TO PREMISES Ea occurrence) ccurrence $50,000 MED EXP(Any one person) $5,000 PERSONAL&ADV INJURY $1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $4,000,000 POLICY PRO ❑ LOC PRODUCTS-COMP/OP AGG $3,000,000 X El JECT OTHER: $ B AUTOMOBILE LIABILITY 01APM06426901 12/1/2025 12/1/2026 COMBINED SINGLE LIMIT $1,000,000 Ea accident ANY AUTO BODILY INJURY(Per person) $ OWNED X SCHEDULED BODILY INJURY(Per accident) $ AUTOS ONLY AUTOS HIRED NON-OWNED FIR ER DAMAGE $ AUTOS ONLY AUTOS ONLY Per accident E X UMBRELLALIAB OCCUR 01003552521 12/1/2025 12/1/2026 EACH OCCURRENCE $1,000,000 EXCESS LAB X CLAIMS-MADE AGGREGATE $1,000,000 DED RETENTION$ $ D WORKERS COMPENSATION WC251476 1/1/2026 7/1/2026 X PER OTH- AND EMPLOYERS'LIABILITY Y/N STATUTE ER ANYPROPRIETOR/PARTNER/EXECUTIVE N/A E.L.EACH ACCIDENT $1,000,000 OFFICE R/M EMBER EXCLUDED? (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $1,000,000 If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $1,000,000 A PROFESSIONAL LIABILITY 140002207 12/1/2025 12/1/2026 EACH CLAIM/AGGREGAT $2M/$2M C SEXUAL ABUSE&MOLESTATION B0621PILL0001325 12/1/2025 12/1/2026 EACH CLAIM/AGGREGAT $1M/$1M DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,maybe attached if more space is required) RE: Professional Liability with QBE is written on a Claims-Made form with a retroactive date of 12/01/24. Professional Liability includes Sexual Abuse& Molestation coverage with$1 M each claim and$1 M aggregate limits. Underwriters at Lloyd's London(Miller) Provides$1 M of Excess Sexual Abuse&Molestation coverage under Policy#130621 PILL0001325. City of Santa Ana, its City Council,officers,officials,employees,agents,and volunteers are included as Additional Insured where required by an executed written contract as respects General Liability per attached endorsement.Waiver of Subrogation applies to where required by an executed written contract as respects General Liability and Workers'Compensation per attached endorsements. APPROVED CERTIFICATE HOLDER CANCELLATION By Tu Tran Nguyen at 2:08 pm,Jun 25,2026 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. City of Santa Ana 20 Civic Center Plaza AUTHORIZED REPRESENTATIVE Santa Ana CA 92701 @ 1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25(2016/03) The ACORD name and logo are registered marks of ACORD INSURED: Illumination Health+ Home POLICY#: WC251476 POLICY PERIOD: 01/01/2026 TO 07/01/2026 BETA Risk Management Authority ("BETARMA") A Public Entity AMENDMENT BLANKET WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS This amendment changes the contract to which it is attached effective on inception date of the Coverage Contract. BETARIvmA has the right to recover payments it makes from anyone liable for an injury covered by this Coverage Contract. BETARMA will not enforce its right against the person or organization named in the Schedule. This amendment applies only to the extent work performed under a written contract requires the Member to obtain this agreement from BETARIvmA. This endorsement does not apply to benefits or damages paid or claimed because of injury occurring before the Member entered into such a contract. This agreement shall not operate directly or indirectly to benefit any one not named in the Schedule. Schedule Any person or organization with whom the Member entered into a contract, a condition of which requires the Member to obtain this waiver from BETARIvmA. ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS REMAIN UNCHANGED. WC EL W106(07/19) Page 8 Date Issued:July 01,2022(Initial) rXh W QBE_ THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY AND NON-CONTRIBUTORY AND WAIVER OF SUBROGATION OPTIONS FOR ADDITIONAL INSUREDS ENDORSEMENT Name of Insured: Illumination Health+Home Policy Number: 140002207 Endorsement Number: 004 Effective Date of Endorsement: 12/01/2025 Name of Insurer: QBE Specialty Insurance Company This endorsement modifies insurance provided under the following: GENERAL TERMS AND CONDITIONS SCHEDULE All Additional Insureds It is agreed that, solely with respect to the Additional Insureds identified in the Schedule and solely with respect to the General Liability Coverage Parts, the Policy is amended as follows if an X is shown in the box: l If the Named Insured has agreed in its written contract with the Additional Insured to provide the Additional Insured coverage on a primary and non-contributory basis, this Policy shall be primary and the Insurer will not seek contribution from the Additional Insured's policy. El The Insurer waives any right of recovery it may have against any person or organization, where required by the Named Insured's written contract with the Additional Insured, because of payments made by the Insurer for Loss arising out of the Named Insured's operations. All other terms and conditions of this Policy remain unchanged. MLPL-HCMM-2020(06-24) ©QBE,2o24 Page 1 of 1