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HomeMy WebLinkAboutBARTEL ASSOCIATES, LLC. 1C -2005 0: pERS CK,Ror6) , INSUR'~NCE ON fiLE WORK MA\ f'KOCEED UNTIL INSURANCE EXPIRES q_ , _ D to CLERK Of COUNCIL D~lE: (0-1) -05 THIS AGREEMENT, made and entered into this /ZtJ--- day of Qiohey ,2005 by and between Bartel Associates, LLC, a California limited liability company (hereinafter "Consultant"), and the City of Santa Ana, a charter city and municipal corporation organized and existing under the Constitution and laws of the State of California (hereinafter "City"), N-2005-1l5 CONSULTANT AGREEMENT RECITALS A. The City desires to retain a consultant having special skill and knowledge in the field of actuarial consulting, to perform an actuarial study of the City's CalPERS retirement system, B. Consultant represents that Consultant is able and willing to provide such services to the City. C. In undertaking the performance of this Agreement, Consultant represents that it is knowledgeable in its field and that any services performed by Consultant under this Agreement will be performed in compliance with such standards as may reasonably be expected from a professional consulting 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: l. SCOPE OF SERVICES Consultant shall perform those services required to complete an actuarial study, as set forth in Exhibit A to this Agreement. 2. COMPENSATION a. City agrees to pay, and Consultant agrees to accept as total payment for its services, the rates and charges identified in Exhibit A. The total sum to be expended under this Agreement shall not exceed $10,000.00 during the term ofthis Agreement. b, Payment by City shall be made within thirty (30) days following receipt of proper invoice evidencing work performed, subject to City accounting procedures, Payment need not be made for work which fails to meet the standards of performance set forth in the Recitals which may reasonably be expected by City. 3. TERM This Agreement shall commence on the date first written above and terminate on June 30, 2006, unless terminated earlier in accordance with Section 12, below. The term of this .. Agreement may be extended upon a writing executed by the Executive Director of the Personnel Services Agency and the City Attorney. 4. INDEPENDENT CONTRACTOR Consultant 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 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 Consultant performs the services which are the subject matter of this Agreement; however, the services to be provided by Consultant shall be provided in a manner consistent with all applicable standards and regulations governing such services. Consultant 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, 5. INSURANCE Prior to undertaking performance of work under this Agreement, Consultant shall maintain and shall require its subcontractors, if any, to obtain and maintain insurance as described below: a. Worker's Compensation Insurance. In accordance with the provisions of Section 3300 of the Labor Code, Consultant, if Consultant has any employees, 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, Consultant agrees to obtain and maintain any employer's liability insurance with limits not less than $1,000,000 per accident. b. Professional liability (errors and omissions) insurance, with a combined single limit of not less than $1,000,000 per claim, c. The following requirements apply to the insurance to be provided by Consultant pursuant to this section: (i) Consultant shall maintain all insurance required above in full force and effect for the entire period covered by this Agreement. (ii) Certificates of insurance shall be furnished to the City upon execution of this Agreement and shall be approved in form by the City Attorney. (iii) Certificates and policies shall state that the policies shall not be canceled or reduced in coverage or changed in any other material aspect without thirty (30) days prior written notice to the City. 2 .' d, If Consultant fails or refuses to produce or maintain the insurance required by this section or fails or refuses to furnish the City with required proof that insurance has been procured and is in force and paid for, the City shall have the right, at the City's election, to forthwith terminate this Agreement. Such termination shall not effect Consultant's right to be paid for its time and materials expended prior to notification of termination. Consultant waives the right to receive compensation and agrees to indemnify the City for any work performed prior to approval of insurance by the City, 6. INDEMNIFICATION Consultant agrees to and shall indemnify and hold harmless the City, its officers, agents, employees, consultants, special counsel, and representatives from liability for personal injury, damages, just compensation, restitution, judicial or equitable relief arising out of claims for personal injury, including health, and claims for property damage, which may arise from the direct or indirect operations of the Consultant or its contractors, subcontractors, agents, employees, or other persons acting on their behalf which relates to the services described in section 1 of this Agreement. The Consultant 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 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. City may make all reasonable decisions with respect to its representation in any legal proceeding. 7. CONFIDENTIALITY If Consultant receives from the City information which due to the nature of such information is reasonably understood to be confidential and/or proprietary, Consultant 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 includes not only written information, but also information transferred orally, visually, electronically, or by other means, 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 Consultant disclosed in a publicly available source; (c) is in rightful possession of the Consultant without an obligation of confidentiality; (d) is required to be disclosed by operation of law; or (e) is independently developed by the Consultant without reference to information disclosed by the City, 8. CONFLICT OF INTEREST CLAUSE Consultant covenants that it presently has no interests and shall not have interests, direct or indirect, which would conflict in any manner with performance of services specified under this Agreement. 3 9. 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 telefacsimile or other telegraphic communication in the manner provided in this Section, to the following persons: To City: Clerk of the City Council City of Santa Ana 20 Civic Center Plaza (M-30) P.O. Box 1988 Santa Ana, CA 92702-1988 telefacsimile (714) 647-6956 With courtesy copies to: Executive Director of the Personnel Services Agency City of Santa Ana 20 Civic Center Plaza (M-24) P.O. Box 1988 Santa Ana, California 92702 telefacsimile (714) 647-6930 and, City Attorney City of Santa Ana 20 Civic Center Plaza (M-29) P.O. Box 1988 Santa Ana, California 92702 telefacsimile (714) 647-6515 To Consultant: Bartel Associates, LLC 411 Borel Avenue, Ste 445 San Mateo, California 94402 Telefacsimile (650) 345-8057 Attn: John E. Bartel A party may change its address by giving notice in writing to the other party. 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 telefacsimile, 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. 4 .' 10. EXCLUSIVITY AND AMENDMENT This Agreement represents the complete and exclusive statement between the City and Consultant, and supersedes any and all other agreements, oral or written, between the parties. In the event of a conflict between the terms of this Agreement and any attachments hereto, the terms of this Agreement shall prevail. This Agreement may not be modified except by written instrument signed by the City and by an authorized representative of Consultant. 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 Consultant nor the City. Each party to this Agreement acknowledges that no representations, inducements, promises or agreements, orally or otherwise, have been made by any party, or anyone acting on behalf of any party, which are not embodied herein. 11. ASSIGNMENT Inasmuch as this Agreement is intended to secure the specialized services of Consultant, Consultant 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 to this Agreement performed by City personnel or by other consultants retained by City. 12. TERMINATION This Agreement may be terminated by the City upon thirty (30) days written notice of termination. In such event, Consultant shall be entitled to receive and the City shall pay Consultant compensation for all services performed by Consultant prior to receipt of such notice of termination, subject to the following conditions: a. As a condition of such payment, the Executive Director may require Consultant to deliver to the City all work product completed as of such date, and in such case such work product shall be the property of the City unless prohibited by law, and Consultant consents to the City's use thereof for such purposes as the City deems appropriate. b. Payment need not be made for work which fails to meet the standard of performance specified in the Recitals of this Agreement. 13. DISCRIMINATION Consultant 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. Consultant affirms that it is an equal opportunity employer and shall comply with all applicable federal, state and local laws and regulations. 5 14. JURISDICTION - VENUE This Agreement and all questions relating to its validity, interpretation, performance, and enforcement shall be governed and construed in accordance with the laws of the State of California. This Agreement has been executed and delivered in the State of California and the validity, 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. 15. PROFESSIONAL LICENSES Consultant 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. Consultant shall notify the City immediately and in writing of her inability to obtain or maintain such permits, licenses, approvals, waivers, and exemptions. Said inability shall be cause for termination of this Agreement. 16. MISCELLANEOUS PROVISIONS a. Each undersigned represents and warrants that its signature hereinbelow has the power, authority and right to bind their respective parties 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. b. All Exhibits referenced herein and attached hereto shall be incorporated as if fully set forth in the body of this Agreement. II II II II II II II II 6 IN WITNESS WHEREOF, the parties hereto have executed this Agreement the date and year first above written. ATTEST: CITY OF SANTA ANA (2~ DAVIDN. AM City Manager a PATRICIA E. HEALY Clerk of the Council APPROVED AS TO FORM: JOSEPH W. FLETCHER City Attorney 'Y" !Jj( , By: . ,11/4/). . 1y(;d5" Laura Sheedy . Assistant City Attorney RECOMMENDED FOR APPROVAL: CONSULTANT ~~~ Executive Director of the Personnel Services Agency ~R.~ JOHN E. BARTEL President TaxID# O;J.-()7DI578 7 ~ Kathie Gonzalez August 2, 2005 Page 2 . We agree to: . not spend more than 20 hours for the above work, without prior approval; . not bill for Santa Ana meeting travel time; and . limit miscellaneous expenses for the above work to $350 or 10% of hourly fees, whichever is less. To complete our review, please provide me copies of: . CalPERS Miscellaneous and Safety June 30, 2003 Actuarial Valuations. . CalPERS valuation and contribution rate related correspondence, including: . Recently requested Contract Amendment Cost Analysis (e.g. June 30, 2003 Miscellaneous 2,5% @ 55, 2.7% @ 55 and 3% @ 60), if available; and . Other CalPERS correspondence. if appropriate. We are prepared to begin this project immediately and can set a meeting date as soon as we receive the above information. Meeting dates are usually set approximately 3-4 weeks alter we receive the actuarial information. I look forward to working with you and the City. Sincerely, .~.. \ . ) ( \~L_ t .~".., John E. Bartel President jb:JEB ":'I'n1lpNu'.dl)' \If ~1I"lIln.\bllleU~r n~_Oll-tll ~nlptn f-lt1l1ildot ~ _ i j 'T1aiI1:,;L,,' .fdJ< .website ",!';,"1(< "',,',,\,''',,. B4~~fl~\TFS. Ll C August 2, 2005 Kathie Gonzalez Employee Relations Manager City of Santa Ana 20 Civic Center Plaza Santa Ana, CA 92702 Re: City of Santa Ana - Actuarial Infonnation Dear Ms. Gonzalez: Bartel Associates would be happy to provide the City of Santa Ana actuarial consulting services, The City is understandably concerned about CalPERS issues. I believe it's important the City first become familiar with this information. To accomplish this, Bartel Associates will review CalPERS actuarial information, meeting with CalPERS actuaries, ifnccessary, We will then explain what has happened to City contribution rates, including what options the City has and where future rates will likely go, in easily understood terms. Following is our time estimate for the above: . Review historical information, including prior actuarial reports . City meeting preparation time . Meet with the City to discuss strategy. issues, etc. . Total Hours 8.0 6.0 4.0 18.0 Our time estimate also includes a reviewal' contract amendment cost analysis (for example Safety 3% @ 55 and 3% @ 50 and/or Miscellaneous 2,5% @ 55. 2,7% @ 55 and 3% @ 60), Pleasc note: . We will bill the City at the following hourly rates (however, most of the time for the above project would be at the President/Senior Actuary level): President & Senior Acruary $225 Vice President & Acruary Consultant $ I 50 Actuarial Analyst Support Staff $75 . The above time is estimated and does not include time for: . Meeting with CalPERS actuaries. We don't anticipate this will be necessary, but if we do have questions and must talk with CaIPERS, the above time might increase by 2 hours. . More than 2 meetings. Additional meetings (e.g. City Council meetings) will increase the above time by actual meeting and preparation time. . Miscellaneous expenses (for travel, computer, copy, report production, etc.) are in addition to fees. $175 $125 . ,1, r.',,', 'J :, ~, '[lal'" -tal <',S::';,;',", .(I't: . web site: EXHIRIT A ,..- ~ EXHIBIT B ADDITIONAL INSURED ENDORSEMENT FOR COMMERCIAL GENERAL LIABILITY POLICY Insurance Company This endorsement modifies such insurance as is afforded by the provisions of Policy # relating to the following: l. The City of Santa Ana, 20 Civic Center Plaza, Santa Ana, California 9270 I; its officers, employees, agents, volunteers and representatives are named as additional insureds ("additional insureds") with regard to liability and defense of suits arising from the operations and uses performed by or on behalf of the named insured. 2. With respect to claims arising out ofthe operations and uses performed by or on behalf of the named insured, such insurance as is afforded by this policy is primary and is not additional to or contributing with any other insurance carried by or for the benefit ofthe additional insureds. 3. This insurance applies separately to each insured against whom claim is made or suit is brought except with respect to the company's limits of liability. The inclusion of any person or organization as an insured shall not affect any right which such person or organization would have as a claimant if not so included. 4. With respect to the additional insureds, this insurance shall not be cancelled, or materially reduced in coverage or limits except after thirty (30) days written notice has been given to the City of Santa Ana, 20 Civic Center Plaza, Santa Ana, California 9270 I. (Completion of the following, including countersignature, is required to make this endorsement effective.) Effective Policy # Issued to , this endorsement form as a part of Named Insured Countersigned by Authorized Representative 8 ACDB.D.~ CERTIFICATE OF LIABILITY INSURANCE I DATE (MMlDDlYY) 9/1312005 PRODUCER THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION JOHN SARGEANT INSURANCE AGENCY ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AMEND, EXTEND OR P. O. BOX 831 ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. GLENDALE CA 91209 (8111)~4~-114~___ INSURERS AFFORDING COVERAGE ----- - ----------- -- ----------. - INSURED INSURER A: HAI'ITFORD CASlJALTY INSURANCE CQMPANY_ BARTEL-ASSOCIATES, L.L.C. INSURER B: INDIAN HARBOR INSURANCE COMPANY ~~~.~~ c: HARTFORD UNDERWRITERS INSURANCE -- 411 BOREL AVENUE, SUITE #445 --------- ----- INSURER 0: ---- ------- - SAN MATEO _....__n ----- CA 94402 INSURER E: COVERAGES THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITlON OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH nilS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POliCIES DESCRIBED HEREIN IS SUBJECT TO ALL niE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POliCIES, AGGREGATE LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR' ----..--, -.- fA ! TYPE OF INSURANCE POLICY NUMBER ~k+~Y E:6C11VE : P8i,lfY EXPIRATION : GENERAL UABIUTY 1---] I ~__I;__~MMERCIAL GENEf!~~LtABllITY ; I 1 CLAIMS MADE I__~_ OCCUR UMITS A 72SBA AD2098 9/112005 9/1/2006 EACH OCCURRENCE $ f'"!~_E DAMAGE (Any o:e fire) $ MED ~X~ (A~y one person) _ $ PERSONAL & ADV INJURY $ ----- GENERAL AGGREGATE $ PROOUCTS - COMPIOP AGG I $ -------. ------ .2,000,000 300,000 10,000 _~OOO,OOO 4,000,()(I0 . _-!,OOO,OOO : GEN'L AGGREGATE LIMIT APPLIES PER: 'X POLICY -1 P~OT LOG AUTOMOBILE UABIUTY ANY AUTO All OWNED AUTOS I COMBINED SINGLE LIMIT (Ea accident) ~-- $ 2,000,000 A X X SCHEDULED AUTOS HIRED AUTOS NON-QWNED AUTOS 72SBA AD2098 9/112005 9/112006 BODilY INJURY (Per person) $ BODILY INJURY (Per accident) $ PROPERTY DAMAGE (Per accident) '$ GARAGE LIABIUTY ANY AUTO ~'FR()VED AS TO F AUTO ONLY - EA ACCIDENT i $ ---~- EA ACe $ />I3G $ $ OTHER THAN AUTO ONLY: EXCESS LIABILITY i OCCUR I CLAIMS MADE ?-- EACH OCCURRENCE I DEDUCTIBLE RETENTION $ I WORKERS COMPENSATION AND , EMPLOYERS' LIABILITY Iaura ,ti Sh., ,Jy AS:.1SLurH Cit~ At[~){li~Y I ! AGGREGATE ,$ - 1$-- ___----L_ ______ $ $ C 72WBC NS7441 11/1712004 11/1712005 _~_~.BY_L,[MITS L__~~~__ E.~.~ACH ~~_I~~NT___--f--!-___ E.l. DISEASE. EA EMPLOYE $ OTHER B MISC. PROFESSIONAL LIABILITY MPP001715201 9/1112005 9/1112006 E.l. DISEASE. POLICY liMIT $ $1,000,OOO/CLAlM $1,OOO,OOO/ANN.AGC n 1,OllO,O()() 1,000,000 1,000,000 DESCRIPTION OF OPERATlONS/LOCAnONSlVEHICLESlEXCLUSIONS ADOED BY ENOORSEMENTISPECIAL PROVISIONS See Supplemental Information Page(s) CERTIFICATE HOLDER ADDITIONAL INSURED; INSURER LETTER: 4 CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, THE ISSUING INSURER WILL ENDEAVOR TO MAlL ~ DAYS WRITTEN NOTICE TO THE CERTIFICATE HOLDER NAMED TO THE LEFT, BUT FAILURE TO DO so SHALL IMPOSE NO OBLIGATION OR LIABILITY OF ANY laND UPON THE INSURER, ITS AGENTS OR CITY OF SANTA ANA ATTN: ROBERT CORTEZ P. O. BOX 1988 SANTA ANA ACORD 25-S (7/97) lM: lPWv1.9.8on 9/16105 -16:25 by UserName CA 92702 @ ACORD CORPORATION 1988 PFv1.0.1 LP: lPW v1.9.8 on 9/16105.16:25 by UserName IMPORTANT If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). 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), DISCLAIMER The Certificate of Insurance on the reverse side of this form does not constitute a contract between the issuing insurer(s). authorized representative or producer, and the certificate holder, nor does it affirmatively or negatively amend. extend or alter the coverage afforded by the policies listed thereon. APPROVED AS TO FORM ~2/{j /Laura Stitt Sheedy Assistant City Attorney ACORD 25-5 fT197) lM: lPW vl.9.B on 9/16/05.16:25 by UserName LP: LPWvl.9.8 on 9116105- 16:25 by UserName PFvl.0.1 DATE (MMlDDIVY) 9/13/2005 PRODUCER PHONE (AIC,N9:. Extl (818) 244-1144 APPLICANT (First Named InlulWd) BARTEL-ASSOCIATES, L.L.C. JOHN SARGEANT INSURANCE AGENCY P. O. BOX 831 GLENDALE CA 91209 411 BOREL AVENUE, SUITE #445 SAN MATEO CA 94402 EFFECTIVE DATE EXPIRATION DATE COIPLAN CODE: AGENCY CUSTOMER 10 SUB CODE: POLICY NUMBER: ACCOUNT NUMBER: THE CITY OF SANTA ANA IS HEREBY NAMED ADDITIONAL INSUREDS ON POLICY NUMBER 72SBA AD2098 AS RESPECTS OPERATIONS OF THE NAMED INSURED ONLY. SEE ATTACHED FORM CG 20 11. COVERAGE UNDER POLICY NO: 72SBA AD2098IS PRIMARY & NON-CONTRIBUTORY ABOVE ANY OTHER INSURANCE THE CERTIFICATE HOLDER(S) AND ADDITIONAL INSURED(S) MAY CARRY. 10 DAYS NOTICE FOR NONPAYMENT OF PREMIUM. APPROVED AS TO FORM %5 3/r; Laura Stid Sheedy i\:o~ISiant City Attorney LM: LPWv1.9.8 on 9/16105.16:25 by UserName LP: LPW v1.9.8 on Qf16105. 16:25 by UserName <_._....".~.~."''''.......,='.._'__c_ BARTEL-ASSOCIATES, L.L.C; ". POUCYNUMBER: 72 SBA AD2098 POLICY PERIOD: 09~01-05/06 COMMERCIAL GENERAL UABILITY CG 20 10 03 87 THIS ENDORSEMENT CHANGES THE POUCY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - OWNERS. LESSEES OR CONTRACTORS - SCHEDULED PERSON OR ORGANIZATION This endorsement modifies Ins..ance provided under the following: COMMERCIAl.. GENERAl.. UABIUTY COVERAGE PART SCHEDULE Name of Pa..on or OrganlzlUon: (If no erUy IPJl88I'lI above, Wonnatlon required to complete this endorsement will be shown In the Declaratbns as applicable to thls endof8ement.) . Who I. An lnau..d (Section II) is amended to IncIucSe as an lnsuredo<lhe person or organlzallon shown In the Schedule, but only with respect to labUity arising oul of )'0\1' ongoing operations performed for that Insured. . APPROVED AS TO FORM ygs C;/y Laura Slitt Shcc:dy Assistant City Atll1rn.;:y CG 20 10 0387 Copyright. Insurance Services Ofllce. Inc., 1996 Page 1 of 1 [J