About Marsh U.S. Consumer, A SERVICE OF SEABURY & SMITH, INC.   Welcome to Marsh U.S. Consumer, a service of Seabury & Smith, Inc. Marsh U.S. Consumer and the rest of Seabury are part of Marsh Inc., the world’s leading risk and insurance services firm. Marsh U.S. Consumer provides life and health, professional liability, and other property/casualty insurance programs for members of associations, professional organizations, health care groups, unions, military organizations, and university alumni groups. Marsh U.S. Consumer has more than half a century of insurance program administration experience and serves more than 350 organizations.   Marsh is committed to setting the industry standard for ethical business practices and client service. To fulfill that commitment, we at Marsh U.S. Consumer pledge to: disclose our compensation from insurers and from other third parties; disclose our interests in and contractual relationships with insurers; receive no contingent compensation when representing our insured clients; and fully disclose to our clients all quotes and premium indications that we receive from insurers on our clients' behalf. More information about Marsh U.S. Consumer can be found at www.marsh.com.   Marsh U.S. Consumer is a service of Seabury & Smith, Inc., which is licensed/authorized to transact business in all 50 United States and the District of Columbia. Seabury & Smith, Inc.'s state of domicile is Delaware. AR Ins. Lic. #245544 CA Ins. Lic. #633005 d/b/a in CA Seabury & Smith Insurance Program Management Marsh and Seabury are part of the family of MMC companies, including Guy Carpenter, Mercer Human Resource Consulting (including Mercer Health & Benefits, Mercer HR Services, Mercer Investment Consulting, and Mercer Global Investments), and Mercer specialty consulting businesses (including Mercer Management Consulting, Mercer Oliver Wyman, Mercer Delta Organizational Consulting, NERA Economic Consulting, and Lippincott Mercer).