Loading...
The URL can be used to link to this page
Your browser does not support the video tag.
Home
My WebLink
About
RBCI, INC.
AGREEMENT TERMINATION 29ro JW 26MMO* F" 2: it Please complete this form when the attached agreement is no longer in eff8WTY N -FA ANA y c$ as COUNCIL Return form to the Deputy Clerk of the Council (M-30). Call 647-5238 if you h?av`e By The agreement with ? Pj CS ? r L ' No. )?j . C )Q- -CJ (o I , was completed on CA0 (20 ( 100B and final payment has been made. Department: CDfi Signature: VA-L c?,.? ioAzkD- Date: C7(or2.3 201(7 City of Santa Ana Clerk of the Council Revised 05-22-08 INSURANCE ON FILE WU~N hiA'/ PROCEED UNt161NflURANCE EXPIRES .~( ' ~-D~ ElEkK C U_NCIL DAiE: ~ ~ 5 -08 N-2008-061 ~ ~ C p A C ~-~ THIS AGREEMENT, made and entered into this I" day of May, 2008 by and between z~1.., L~me1; RBCI, Inc., a California corporation (hereinafter "Contractor"), and the City of Santa Ana, a "1 charter city and municipal corporation organized and existing under the Constitution and laws of the State of California (hereinafter "City"). RECITALS A. The City desires to retain a contractor to perform painting, building repair and maintenance for City properties. B. Contractor represents that Contractor is able and willing to provide such services to the City. C. In undertaking the performance of this Agreement, Contractor represents that it is knowledgeable in its field and that any services performed by Contractor under this Ageement will be performed in compliance with such standards as may reasonably be expected from a professional contractor 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: SCOPE OF SERVICES Contractor shall perform those painting, building repair and maintenance services as set forth in Exhibit A to this Agreement. City may request additional services of Contractor, upon a writing executed by the Deputy City Manager for Development Services. OWNERSHIP OF MATERIALS, SUPPLIES, DRAWING, SPECIFICATIONS, PROGRAMS AND SYSTEMS Any and all drawings, specifications, papers, records, programs, systems, and other materials prepared by Contractor in furtherance of this Agreement shall be the property of the City. Contractor agrees, for itself and its affected officers, employees, agents, contractors and volunteer workers, that the authors of such material, whether copyrighted or not, award to the City, and to its officers, agents and employees acting within the scope of their official duties, as a condition of payment to the Contractor, aroyalty-free, nonexclusive, irrevocable license throughout the world for governmental purposes to disclose, publish, translate, reproduce and use such materials. 3. COMPENSATION a. City agrees to pay, and Contractor 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 $25,000.00 during the term of this 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. 4. TERM This Agreement shall commence on the date first written above and terminate on expenditure of funds allocated to this contract, unless terminated earlier in accordance with Section 13, below. 5. 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 it be construed to create anemployer-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. 6. INSURANCE Prior to undertaking performance of work under this Agreement, Contractor shall maintain and shall require its subcontractors, if any, to obtain and maintain insurance as described below: a. Commercial General Liability Insurance. Contractor shall maintain commercial general liability insurance naming the City, its officers, employees, agents, volunteers and representatives as additional insureds) and shall include, but not be limited to protection against claims arising from bodily and personal injury, including death resulting therefrom 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 therefrom, and property damage, in the total amount of $1,000,000 per occurrence. Contractor shall supply City with a fully executed additional insured endorsement in substantially the form attached hereto as Exhibit B upon execution of this Agreement and shall be approved in form by the City Attorney. b. Business automobile liability insurance, or equivalent form, with a combined single limit of not less than $1,000,000 per occurrence. Such insurance shall include coverage for owned, hired and non-owned automobiles. c. Worker's Compensation Insurance. In accordance with the provisions of Section 3300 of the Labor Code, Contractor, if Contractor 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, Contractor agrees to obtain and maintain any employer's liability insurance with limits not less than $1,000,000 per accident. d. If Contractor is or employs a licensed professional such as an architect or engineer: Professional liability (errors and omissions) insurance, with a combined single limit of not less than $1,000,000 per claim. e. The following requirements apply to the insurance to be provided by Contractor pursuant to this section: (i) Contractor 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 famished 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. f If Contractor fails or refuses to produce or maintain the insurance required by this section or fails or refuses to famish 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 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 for any work performed prior to approval of insurance by the City. INDEMNIFICATION Contractor agrees to and shall indemnify 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 health, and claims for property damage, which may arise from the direct or indirect operations of the Contractor 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; 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. City may make all reasonable decisions with respect to its representation in any legal proceeding. 8. 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 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 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. 9. 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 performance of services specified under this Agreement. 10. 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 Community Development City of Santa Ana 20 Civic Center Plaza (M-25) P.O. Box 1988 Santa Ana, California 92702 telefacsimile (714) 647-6736 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 Contractor: RBCI, Inc. 712 N. Valley Street, Suite C Anaheim, California 92801 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 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. 11. EXCLUSIVITY AND AMENDMENT This Agreement represents the complete and exclusive statement between the City and Contractor, 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 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 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. 12. ASSIGNMENT Inasmuch as this Agreement is intended to secure the specialized services of Contractor, 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 to this Agreement performed by City personnel or by other consultants retained by City. 13. TERMINATION This Agreement may be terminated by the City upon thirty (30) days written notice of termination. In such event, Contractor shall be entitled to receive and the City shall pay Contractor compensation for all services performed by Contractor 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 Contractor 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 bylaw, and Contractor 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. 14. DISCRIMINATION 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. Contractor affirms that it is an equal opportunity employer and shall comply with all applicable federal, state and local laws and regulations. 15. JURISDICTION -VENUE This Agreement has been executed and delivered in the State of Califomia 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. 16. 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. 17. 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. IN WITNESS WHEREOF, the parties hereto have executed this Agreement the date and year first above written. ATTEST: .~ -7 c c~ T • ~~ PATRICIA E, HEALY Clerk of the Council CITY OF SANTA ANA DAVID N. City Manager APPROVED AS TO FORM: JOSEPH W.FLETCHER City Attorney By: ~ ~~,t~~~ Laura Sheedy Assistant City Attorn y RECOMMENDED FOR APPROVAL: Q/yl ~xecutive Director of the Community Development Agency RBCI, INC. I~ LEONARD LOPEZ Director of Field Operations Tax ~# ,~~ v~~75a~ f EXHIBIT A SCOPE OF SERVICES City of Santa Ana I Community Redevelopment Agency 20 Clvic Center Plaza, Santa Ana, Califomia 92702 PROJECT SPECIFICATIONS DATE: 12112107 PREPARED BY: Ray Lirette (714) 667-2256 PROJECT NAME: EI Faison (Mercado) PROJECT ADRESS: 321 E. 4~ Street, Santa Ana, Califomia 92701 OWNER: City of Santa Ana City Contact - Gabriela Lomeli (714) 647-5479 TENANT: Javier & Milena Marin, DBA EI Faison GENERAL RE4UIREMENTS ~ All work will comply with these General Requirements. The General Contractor is responsible for making sure that their sub-contractors and laborers understand and comply with these General Requirements. 1. CONTRACTOR will perform all work in accordance with all applicable codes, laws, regulations and requirements (federal, state and local). 2. CONTRACTOR will obtain all required permits and pay all related permit fees. 3. CONTRACTOR will furnish all labor, material, equipment, tools and supervision to complete the work / project. 4. CONTRACTOR will protect all surrounding material, equipment and fumishings ftom damage during construction. CONTRACTOR will (at their own time and expense) repair andlor replace any materials, equipment and furnishings that they damage. 5. CONTRACTOR will execute the work in a manner chat will minimize its impact on the tenants and ensure that essential utilities, fixtures and equipment are operative at the end of each day. 6. CONTRACTOR will remove and dispose of all constnrction related debris and maintain the job site in a clean and safe condition at all times. 7. CONTRACTOR will conduct a physical inspection of the project site and verrfy all quantities, measurements and dimensions. CONTRACTOR acknowledges, understands and agrees that they are responsible for knowledge of all visible conditions that may affect the work. EL FAISON -PROJECT SPECS Page 1 of 3 ~VI_I'sr~a"'r ~' ITEM #1 • STEEL COLUMN DESCRIPTION OF WORK: Provide all labor and material to cut out and replace the damaged steel column located at the front of the plaza. The size and composition of the new column shall match the existing column. Contractor is responsible for bracing the existing structure and protecting it from damage. Contractor is responsible for securing the work area and making sure that the public is protected. COST OF ITEM: (~ 3~ ~~ ITEM #2 -GLUE-LAM BEAMS I DESCRIPTION OF WORK Provide all labor and material to replace one deteriorated glue-lam beam spanning between the two front kiosks. The size and composition of the new beam shall match the existing beam. Provide all labor and material to replace the top 2 X 6 of four glue-lam beams, The composition of the new material shall match the existing material. Provide all labor and material to repair the dry-rot damage at six other locations. Repairs shall blend into the surrounding material. Contractor is responsible for bracing the existing structure and for protecting all surrounding structures form damage. • Contractor is responsible for securing the work area and making sure that the public is protected. COST OF ITEM: ~ R "~ ~ ~ ~ ITEM #3 -EXTERIOR PAINT I DESCRIPTION OF WORK: Provide all labor and material to prepare and paint the exterior of the plaza. Item includes the metal roofs, steel columns, wood beams, trellises and the exterior of the kiosks. Item excludes the roll-up doors and window frames. Remove and dispose of the shade cloth installed on the trellises. Remove and dispose of the roof installed between the two front kiosks. Prepare all surfaces to be painted. Remove all surface dirt and grime. Remove all loose and peeling paint. Contractor is responsible for protecting all surrounding structures, material, furnishings and equipment from paint splatters and over-spray. Apply a primer coat and an even and complete coverage of paint in accordance with the manufacturer's recommendations. Drips, runs and voids will not be accepted. Paint- Use high-quality paint by a reputable manufacturer. a-o COST OF ITEM: ~ u~U EL FAISON -PROJECT SPECS Page 2 of 3 ~ ITEM #4 -ROOF DRAINAGE i DESCRIPTION OF WORK Provide all material and labor tc install a new galvanized metal sleeve over the existing gutter located in the center of each kiosk. Contractor is responsible far protecting all surrounding material from damage. Contractor will verify that all other drains and downs spouts are functioning properly. Additional work will be handled by a written change order. COST OF ITEM: ITEM ff5 • MISCELLANEOUS ITEMS DESCRIPTION OF WORK Remove and dispose of the existing roof located between the two front kiosks and the shade material installed on the wood trellises. Remove and dispose of the light fixtures and wiring illegally installed by the tenants. The installation of new fixtures will be handled by a wriien change order. Contractor will protect all surrounding materials from damage. COST OF ITEM: TOTAL COST: (Includes labor, material, overhead, supervision, permits and fees) EL FAISON -PROJECT SPECS Page 3 of 3 RBCI 712 N Valley Street Suite C Anaheim, CA 92801 PROPOSAL Date PROPOSAL # 11/27/2007 ~~~~~-~- 3214th Name /Address City of Santa Ana Attn: Ray Lirette Ship To 321 E. 4th Street Santa Ana, CA Contract# Project Description Qty Rate Total Prepare and repaint exterior of the property located at 321 E. 4th Street, Santa Ana, CA 0.00 Steel work: Replace steel columns 4 x 4 x 12', cut and replace damaged steel posts at front of plaza Kcep existing base and bucket Wood replaceatent/repair as listed below: Replace Iglue-lam beam at entry 4 x 6 x 20 -match existing Repair and patch dry rot at approximately 6 locations Replace top 2 x 6 on top of glue lam beam as needed in approximately 4 locations Note: this proposal covers miscellaneous patch and repairs throughout as required Does not include replacement of more then Iglue-lam beam 'Coral for above listed work l 18,745.00 18,745.00 Does not include work not listed herein WWv`~ Q d 3 ' -- Send h1: Emailed / Mailed-.-FedEx_ Date ~~0~ tt~3-7 Total slg,7as.oo 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: 1. The City of Santa Ana, 20 Civic Center Plaza, Santa Ana, California 92701; 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 of the 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 of the additional insareds. 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 a$er thirty (30) days written notice has been given to the City of Santa Ana, 20 Civic Center Plaza, Santa Ana, California 92701. (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 L C(JtiMERCIAL AS50E "C4d519 17 ~a 14 127,©4/2947 11:48 ~y~h }~, y ~ w y C ~ ~;: G4tlniCrcat Asso[ia¢4 SnsllranCe .,. a2Y6 ~E. La PaTmA Ayeau~ - Anaheim CA~ 5x8217 J{~{p~k~FNf '_. 'o'R ~, CAA; k8[I the AarostC nnetars~ .... M ~ T S ' S G. ' i4 TLS- N_ Vat t{y- SkTeR ' ~ . A nalieimr C;~ -92$4 ~ ~ ~ ~ ~ ~~21 3 .: Pe h in ~ iws ~°ca' : - - .. -... - ~ ' ~ .. N~i.P` . `n _~ .. ~~iwi;GerKM't kt4eil'rli': e~5rk~ ~`tlL'~R ~ i ~' GB3'CA6es@Ge2Sgc]j~lx , . wd5uosnE . .. nµe~,urn fu~avmc-0+~r?~ ~(~ ~ ~:dG1E04tEArhT.gS '„ RQ ~L~ 1'-•' ~oSUma ~,«a~~4g pYB~~ i ( A ~ t9~~ :, .. `_k . ti c~v ~. LEC(1CTi9tE ~s:, Pt1C-E gi3E0o .I'$S'7 b$ 45Ga~ O ~hS Fh'tl€ Rf th@.C~4j+ pf Santa Aq,3_i thai€ nf.~ite€S,. cy of Saattt Anrt ~ TN?~ z~s,a~en~ds,wiluil~'~ ~ ~cae~FVSp~ ate as#cTed a~ a~+~'~ca+si i+res1 wi»e^e r~gvired ~Y contract P4~ a~Ciiei~ Vs ngttfl of ~t;WSa~jT~'~'~+~ ~rw~ ~.R~7@"kYik:., .. " .::. ~d ~EX~pE.9iE ' C'7EHLH,R ... ...: .:.' ..~ .# -~K~rtl€~eD~E'c€Sel?mio6oiubes.NE'~'~5itktt ~._. nc~ Grty of 5anxa A'~a atts{ fie; CRY' ~~x~..at~nt~RF,;r~,u?wws~wvi~s.*~vsrw?~Kea . R~deve7:tipme7ii Ag~cltty of 'C4sC ••*3~! 3;tvs"t5s':rnr~coir~~,ocbteiNnri~r,as€a~.t~+` .City of $a{~ta XiFa-M~6~ ~. euY Ndsun2 k~p}jC[swufdf:- aosnax~uto[i zrRSR.~*Y Atari: ArbeTa SaldTVari' ~ s son... ~*a~ P.U. 6v< 191F4 -° Santa AAa~ fA 92 ~Qi-143$ ~ .. .,. '..• _.._ _ .~.. i•">wnecuartoizmN 89~ _. a -~ 12/bdl2fl9-F 11; 48' I7i45244A?1B - Poiity fafil~+1~7~ MGL~152431: C~1hItI'AC AiS(Kr: PiX6E E14fd4 • 41R Ft~,4++F~-tktsur~~d~.'GitP1~7aI~Y: rHiS ' lu ckt'~'~-~-[av, at ~~i~z~ it~Pad E~' ti~+~r. ' ~ _ -.;~: "~j#i~.Nt1~6,5Bfl"ReCt~Enpd('~sutB~te~Ad~tPti4'd~~i~"{i~i147R1}k~i: k Cp~i~T~i<E#ETI~~A'1F k1kFF"t' ~tr2V€-#3 RA~f u i' ngp~a!~'~'', . ; .~ , d~ tri: 1t!g::fi~~ct?it 4~&~e ;sii~%+it~ ~ axca v ~F~~,+.tr"#fF~t~_~~~~1~.~I~. am e`~r~z3!~Q'e+it'~/~7+1 @&iR '~i }i 11~.~${ Yi~f'~s7.C~Y '~~.~um; Y~"~ ~.~ ~ fPl ~~ ~.[1~:~' - l}'satt~tt~#B:~ RAC tia~ ~~le~t su>~'18~ t~.~SC„ G#~ridif~~~~~;dE~(a"~~j$ert~~d~nY!~A1Y= ,~ ~~~~ ~4RpVE ci,~ ` .. ~ U~'n ~p~ l~P~° neY 2 51~ ~~ t . ~~ . , ,~ lL4. i'YTH~~ ~~R~~l~ "~~A1f33'Ltifl "~~'Y{~"S~.P~Lt~'1` i21~1V1~Kih1 ~~~9. R `#`oi 1 E~~ ~?~ ~pnlgBl - insurs~