<html><body dir="auto"><head><meta http-equiv="content-type" content="text/html; charset=utf-8"></head><blockquote type="cite"><div><div class="WordSection1"><div align="center"><table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="602" style="width:451.5pt;background:white;border-collapse:collapse"><tbody><tr style="height:543.0pt"><td width="100%" valign="top" style="width:100.0%;border:solid #D9D9D9 1.5pt;padding:0in 0in 0in 0in;height:543.0pt"><table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse"><tbody><tr><td width="100%" valign="top" style="width:100.0%;background:white;padding:0in 0in 0in 0in"><table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="600" style="width:6.25in;border-collapse:collapse"><tbody><tr><td width="93%" valign="top" style="width:93.66%;padding:0in 0in 0in 0in"><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><a href="mailto:bmckown@safteylinks.net" target="_blank"><span style="color:windowtext;text-decoration:none"></span></a><span class="MsoHyperlink"><span style="font-size:12.0pt;color:windowtext;text-decoration:none"><o:p></o:p></span></span></p>
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<span style="font-size:1.0pt"><a href="mailto:bmckown@safteylinks.net" target="_blank"><span style="color:windowtext;text-decoration:none"> </span></a></span><span class="MsoHyperlink"><span style="font-size:12.0pt;color:windowtext;text-decoration:none"><o:p></o:p></span></span></p>
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<h2 style="margin-top:0in"><strong><span style="font-family:"Georgia","serif";color:#B73348"><a href="mailto:bmckown@safteylinks.net" target="_blank"><span style="color:#B73348;text-decoration:none">Presentation #3 - Monday, January 23, 2017</span></a></span></strong><span class="MsoHyperlink"><span style="color:windowtext;text-decoration:none"><o:p></o:p></span></span></h2>
<p style="margin-bottom:11.25pt;line-height:12.75pt"><em><b><span style="font-size:10.5pt;font-family:"Arial","sans-serif";color:#000001"><a href="mailto:bmckown@safteylinks.net" target="_blank"><span style="color:#000001;text-decoration:none">Risk Finance/Risk
Retention—Financing Business Risks</span></a></span></b></em><span class="MsoHyperlink"><span style="color:windowtext;text-decoration:none"><o:p></o:p></span></span></p>
<p style="margin-bottom:11.25pt;line-height:12.75pt"><span style="font-size:10.5pt;font-family:"Arial","sans-serif";color:#000001"><a href="mailto:bmckown@safteylinks.net" target="_blank"><span style="color:#000001;text-decoration:none">Part Three of the Risk
Management Series will provide the listener with an understanding of the different ways in which a business can protect itself against certain risks by financing the varied risks a business may face, whether by procuring insurance to cover those risks or by
self-financing (self-insuring) against those risks.</span></a></span><span class="MsoHyperlink"><span style="color:windowtext;text-decoration:none"><o:p></o:p></span></span></p>
<p style="margin-bottom:11.25pt;line-height:12.75pt"><span style="font-size:10.5pt;font-family:"Arial","sans-serif";color:#000001"><a href="mailto:bmckown@safteylinks.net" target="_blank"><span style="color:#000001;text-decoration:none">Speakers:</span></a></span><span class="MsoHyperlink"><span style="color:windowtext;text-decoration:none"><o:p></o:p></span></span></p>
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<span style="font-size:10.0pt;font-family:Symbol;color:#000001"><a href="mailto:bmckown@safteylinks.net" target="_blank"><span style="color:#000001;text-decoration:none">·</span><span style="font-size:7.0pt;font-family:"Calibri","sans-serif";color:#000001;text-decoration:none">
</span><strong><span style="font-size:10.5pt;font-family:"Arial","sans-serif";color:#000001;text-decoration:none">Gary L Smith, CPCU, AAI</span></strong><span style="font-size:10.5pt;font-family:"Arial","sans-serif";color:#000001;text-decoration:none">, Insurance
Office of America. Gary may be reached at <u><span style="color:blue">gary.smith@ioausa.com</span></u>, or by phone at (850) 877-8379; and</span></a></span><span class="MsoHyperlink"><span style="color:windowtext;text-decoration:none"><o:p></o:p></span></span></p>
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<span style="font-size:10.0pt;font-family:Symbol;color:#000001"><a href="mailto:gary.smith@ioausa.com" target="_blank"><span style="color:#000001;text-decoration:none">·</span><span style="font-size:7.0pt;font-family:"Calibri","sans-serif";color:#000001;text-decoration:none">
</span><strong><span style="font-size:10.5pt;font-family:"Arial","sans-serif";color:#000001;text-decoration:none">Wm. Cary Wright, Esq.</span></strong><span style="font-size:10.5pt;font-family:"Arial","sans-serif";color:#000001;text-decoration:none">, Carlton
Fields. Cary may be reached at <u><span style="color:blue">cwright@carltonfields.com</span></u>, or at (813) 229-4135</span></a></span><span class="MsoHyperlink"><span style="font-size:12.0pt;color:windowtext;text-decoration:none"><o:p></o:p></span></span></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><a href="mailto:cwright@carltonfields.com" target="_blank"><span style="color:windowtext;text-decoration:none"></span></a></p></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></div></div></div></blockquote></body></html>