Loading...
PROOF OF INSURANCE (2020 - 2020) CLOSEDPage 1 of 2 „w- DATE (MM/DD/YYYY) C40 CERTIFICATE OF LIABILITY INSURANCE 05/28/2019 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 Willis of Pennsylvania, Inc. PHONE FAX 78......... 1-877-945-7378 1-888-467-23 ........ c/o 26 Century Blvd-.E-MAI'I.4�...t1' IAPC CMo P.O. Box 305191 ADPRIESSa certificates@willis.com Nashville, TN 372305191 USA INSURER(S) AFFORDING COVERAGE ...........NAIC.........-. INSURERA: Tokio Marine America insurance Company 10945 INSURED INSURER B: Travelers Casualty and Surety Company 19038 Kyocera Document Solutions West LLC ....... ................Tray........,,,,,,,,,, 14101 Alton Parkway C: Travelers Property Casualty Company of Ame 25674 INSURER .,. Irvine, CA 92618 INSURER D: INSURER E INSURER F: COVERAGES CERTIFICATE NUMBER: W11353395 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 'AID CLAIMS. .fLTR .. ...... ......................"...........f"Oh.ICY A;DIMa L..S'U:1(IGiG,BR EBF ...... pl'6 1C �EXii.....,........................................................................... i. TYPE OF INSURANCE POLICY NUMBER MM1DQfYYYY IMML DMY'YYYI LIMITS X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 1,000,000 'ETUIX IE PREMSES,EAMAGAa,.�8RRRUTen�e)..�,�,�,.,.,,$ 1,000,000 CLAIMS -MADE OCCUR P m. A ME.m ..., D EXP (An H ne.-.a.._.......,............. $ 5,000 ............ ....... y y CLL6407345-05 ,.......,,Person) 04/01/2019 04/01/2020 DV INJURY PERSONAL $ 1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000 ..X� PERCA• LOC JCT PRODUCTS -COMP/OPAGG $ 1,000,000 LiOMJLR. AUTOMOBILE LIABILITY COMBINED SPNGLE LIMIT m4'@� accidc/,rglJi $ 1,000,000 X ANY AUTO BODILY INJURY (Per person) $ A OWNED SCHEDULED CA6407326-05 04/01/2019 04/01/2020 BODILY INJURY (Per accident) $ „^ AUTOS ONLY AUTOSHIRED _ O DAMA06 $ AUTOS ONLY AUTOS ONLY �'^PFRTY rpr :aaenrlonYU ... XII UMBRELLA AB X OCCUR ( EACH OCCURRENCE $ 5,000,000 A EXCESS AB CLAIMS -MADE CU6407347-05 04/01/2019 04/01/20201 AGGREGATE $ 5,000,000 .............. P DED I X I RETENTION.$.10..'.000PER WORKERS COMPENSATION X OTH- TA,,T,LITE B E.L�EACHACCI�ENI�,,,ER-••••••••- $....... 1,000 ,000 OPFlCERIMEM�EREAARTBNIER/E7ECUTIVE NILITY o N/A UB -3F98054-7-19 01/01/2019 01/01/2020 1,000,000 (Mandatory in NH) E.:La...D.I��S.EA.S.E..-..EA.... EMPLOYEE $ If DESCRIPTION under OPERATIONS below E.L. DISEASE- POLI...L..........-� C LIMIT ........................ 1, --- $ 1,000,000 C Workers Compensations UB -3F98068-8-19 01/01/2019 01/01/2020 E.L. Each Accident $1,000,000 Employers Liability E.L. Disease - EA En¢ $1,000,000 Per Statute E.L. Disease-Pol Lmt $1,000,000 DESCRIPTION OF OPERATIONS I LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) SCOPE OF WORK: Copier Sales, Leasing & Maintenance. City of E1 Segundo with whom the Insured has agreed in written contract, agreement or permit is included as an Additional Insured with respect to liability arising out of the Insured's operations, personal property leased to the insured, premises owned or rented by, or temporarily occupied by the insured with permission of the owner. 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 E1 Segundo AUTHORIZED REPRESENTATIVE Attn: City Clerk 350 Main Street El Segundo, CA 90245-3813 ©1988-2016 ACORD CORPORATION. All rights reserved. ACORD 25 (2016/03) The ACORD name and logo are registered marks of ACORD sR ID: 18020602 HATCH: 1216346 ACORD 101 (2008/01) © 2008 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD SR ID: 18020602 BATCH: 1216346 CERT: W11353395 AGENCY CUSTOMER ID: LOC #: C' ADDITIONAL REMARKS SCHEDULE Page 2 of 2 AGENCY NAMED INSURED Willis of Pennsylvania, Inc. Kyocera Document Solutions West LLC 14101 Alton Parkway POLICY NUMBER Irvine, CA 92616 See Page 1 CARRIER NAIC CODE See Pae 1 4 See Pae 1 g EFFECTIVE DATE: See Pae g 1 ADDITIONAL REMARKS THIS ADDITIONAL REMARKS FORM IS A SCHEDULE TO ACORD FORM, FORM NUMBER: 25 FORM TITLE: Certificate of Liability Insurance -.................1.11,1.. If required in the written contract, agreement or permit, the Insured waives any right of recovery (where permitted by law) that they may have against City of E1 Segundo because of payments that may be made for injury or damage. ACORD 101 (2008/01) © 2008 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD SR ID: 18020602 BATCH: 1216346 CERT: W11353395 COMMERCIAL GENERAL LIABILITY This endorsement changes policy CLL6407345-05 to which it is attached and is effective 04/01/2019 at 12:01 a.m. standard time at the Insured's mailing address. Issued to: KYOCERA DOCUMENT SOLUTIONS AMERICA, INC. KYOCER Issued by: TOKIO MARINE AMERICA INSURANCE COMPANY -Producer: WILLIS OF PENNSYLVANIA, INC. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL GENERAL LIABILITY EXTENDED COVERAGE ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART With respect to coverage provided by this endorsement, the provisions of the coverage form apply unless modified by the endorsement. 1. UNINTENTIONAL ERRORS AND OMISSIONS The following is added to Condition 6. "Representations" of SECTION IV - CONDITIONS: However, coverage afforded under this Coverage Part will not be adversely affected by any inadvertent error or omission made by you in describing your premises or operations for the purpose of obtaining this insurance. When such an inadvertent error or omission is discovered, you must notify us as soon as practicable. The policy premium will be adjusted accordingly to reflect the description of the premises or operations had no error or omission occurred. 2. INCREASED LIMITS FOR BAIL BONDS AND REASONABLE EXPENSES Paragraphs 1.b. and 1.d. of SUPPLEMENTARY PAYMENTS - COVERAGES A AND B of SECTION I - COVERAGES are replaced by the following: 1. We will pay, with respect to any claim we investigate or settle, or any "suit" against an insured we defend: b. Up to $1,500 for the cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. d. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or "suit', including actual loss of earnings up to $650 a day because of time off from work. GI -9 04 011 07 16 ©Tokio Marine Management, Inc., 2016 Includes copyrighted material of Insurance Services Office, Inc., with its permission Insured Copy Pagel of 7 3. EXPECTED OR INTENDED PROPERTY DAMAGE COVERAGE Exclusion a. "Expected Or Intended Injury" is replaced by the following: "Bodily injury" or "property damage" expected or intended from the standpoint of the insured. This exclusion does not apply to "bodily injury" or "property damage" resulting from the use of reasonable force to protect persons or property. 4. BROADENED NONOWNED AIRCRAFT COVERAGE The following is added to Exclusion g. "Aircraft, Auto Or Watercraft" of SECTION I - COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY: This exclusion does not apply to an aircraft that is: a) Hired by, chartered by or loaned to you with a paid crew; and b) Not owned in whole or in part by you or any insured. The insurance provided by this paragraph for Nonowned Aircraft does not apply if there is any other insurance available to the insured or would be available except for the exhaustion of its limits of insurance. 5. BROADENED NONOWNED WATERCRAFT COVERAGE The following is added to Exclusion g. "Aircraft, Auto Or Watercraft" of SECTION I - COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY: This exclusion does not apply to A watercraft you do not own that is: (a) Less than 55 feet long; and (b) Not being used to carry persons for a per person charge or property for a charge as freight; The insurance provided by this paragraph for Nonowned Watercraft does not apply if there is any other insurance available to the insured or would be available except for the exhaustion of its limits of insurance. 6. PROPERTY DAMAGE — ELEVATORS COVERAGE a. Paragraphs (3), (4) and (6) of Exclusion j. "Damage To Property" of SECTION I - COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY do not apply to the use of elevators. b. Exclusion k. "Damage To Your Product" of SECTION I - COVERAGE A - BODILY INJURY AND PROPERTY DAMAGE LIABILITY does not apply to the use of elevators. c. The insurance provided by this paragraph for Elevators is excess over any other valid and collectible property or similar type insurance available to the insured, including any deductible amounts. GL9 04 011 07 16 ©Tokio Marine Management, Inc., 2016 Page 2 of 7 Includes copyrighted material of Insurance Services Office, Inc., with its permission Insured Copy 7. PROPERTY DAMAGE - BORROWED EQUIPMENT COVERAGE a. Paragraph (4) of Exclusion j. "Damage To Property" of SECTION I - COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY does not apply to "property damage" to equipment you borrow that is not being used at a job site. b. The insurance provided by this paragraph for Borrowed Equipment is excess over any other valid and collectible property or similar type insurance available to the insured, including any deductible amounts. 8. FIRE, SMOKE, LIGHTNING, EXPLOSION OR WATER DAMAGE COVERAGE The last paragraph ("Exclusions c. through n. do not apply...") of Paragraph 2., of Exclusions under SECTION I - COVERAGE A — BODILY INJURY AND PROPERTY DAMAGE LIABILITY is replaced by the following: Exclusions c. through o. do not apply to damage by fire, smoke, lightning, explosion or water damage to premises while rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as described in SECTION III - LIMITS OF INSURANCE. The limit of insurance is amended to the greater of: (1) $1,000,000 any one premises; or (2) The Damage To Premises Rented To You Limit shown in the Declarations. Paragraph b.(1) (b) of Condition 4. "Other Insurance" of SECTION IV — CONDITIONS is replaced by the following: (b) That provides fire, smoke, lightning, explosion or water damage insurance for premises rented to you or temporarily occupied by you with permission of the owner; or The insurance provided by this paragraph for Fire, Smoke, Lightning, Explosion Or Water Damage Coverage does not apply if the words "Not Covered" are shown in the Damage To Premises Rented To You Limit in the Declarations. 9. BROADENED NEWLY ACQUIRED OR FORMED ORGANIZATIONS COVERAGE Paragraph 3.a. of SECTION II - WHO IS AN INSURED is replaced by the following: a. Coverage under this provision is afforded until the end of the policy period; 10. BROAD FORM NAMED INSURED COVERAGE SECTION II - WHO IS AN INSURED is amended to include as an insured: Any organization and subsidiary thereof which is a legal entity of which you own with a financial interest of more than 50% of the voting stock. However, this insurance does not apply to: (1) "Bodily injury", "property damage" or "personal and advertising injury" with respect to which an insured under this Coverage Part is also an insured under another policy, or would be an insured under such policy but for its termination or the exhaustion of its limits of insurance; (2) 'Bodily injury" or "property damage" that occurred before you acquired or formed the organization; or (3) "Personal and advertising injury" arising out of an offense committed before you acquired or formed the organization. GL9 04 01107 16 ©Tokio Marine Management, Inc., 2016 Page 3 of 7 Includes copyrighted material of Insurance Services Office, Inc., with its permission Insured Copy The last paragraph ("No person or organization is an insured...") of SECTION II - WHO IS AN INSURED is replaced by the following: You are an insured with respect to liability arising out of any current or past partnership or joint venture, but only with respect to your interest in such current or past partnership or joint venture. No other person or organization is an insured with respect to the conduct of any current or past partnership, joint venture or limited liability company that is not shown as a Named Insured in the Declarations. 11. AUTOMATIC ADDITIONAL INSUREDS COVERAGE a. SECTION II - WHO IS AN INSURED is amended to include as an insured any person or organization, if you are required to do so under a written contract, agreement or permit, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused by: 1. The performance of your ongoing operations, other than construction and demolition operations, for such additional insured. 2. The performance of your ongoing operations at any tradeshow, fair, exhibition or conference sponsored by such additional insured. 3. Your maintenance, operation or use of personal property (other than an "auto") leased to you by such additional insured; and 4. Your maintenance or use of that part of the premises (including that part of any premises used by you while attending any tradeshow, fair, exhibition or conference leased to you or temporarily occupied by you with permission of such additional insured. The insurance provided by this paragraph for Automatic Additional Insureds does not apply to: (1) Any written contract or agreement that was executed subsequent to the "bodily injury", "property damage" or "personal and advertising injury"; (2) Any permit that was issued subsequent to the "bodily injury", "property damage" or "personal and advertising injury"; or (3) Any written contract or agreement with a vendor for the distribution or sale of `your products"; or (4) "Bodily injury", "property damage" or "personal and advertising injury" arising out of the sole negligence of the additional insured for its own acts or omissions or those of its employees or anyone else acting on its behalf. However, the insurance afforded to such additional insured: 1. Only applies to the extent permitted by law; and 2. Will not be broader than that which you are required by the contract, agreement or permit 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: The most we will pay on behalf of the additional insured is the amount of insurance: 1. Required by the contract, agreement or permit; or 2. Available under the applicable Limits of Insurance shown in the Declarations; Whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. GI -9 04 011 07 16 ©Tokio Marine Management, Inc., 2016 Page 4 of 7 Includes copyrighted material of Insurance Services Office, Inc., with its permission Insured Copy 12. BODILY INJURY TO CO -EMPLOYEE COVERAGE Paragraphs 2.a.(1)(a) and 2.a.(1)(b) and 3.a of SECTION II - WHO IS AN INSURED are amended by the addition of the following: However, the exclusion for "bodily injury" only applies if the co -"employee" who sustained the "bodily injury" is entitled to benefits under any of the following: workers' compensation, unemployment compensation or disability benefits law, or any similar law. 13. INCREASED MEDICAL EXPENSE LIMIT The Medical Expense Limit described under SECTION III - LIMITS OF INSURANCE and shown in the Declarations is amended to be the greater of: a. $10,000 any one person; or b. The Medical Expense Limit shown in the Declarations. The insurance provided by this paragraph for Increased Medical Expense Limit does not apply if the words "Not Covered" are shown in the Medical Expense Limit in the Declarations. 14. RESULTING MENTAL ANGUISH COVERAGE Definition 3. "Bodily injury" of DEFINITION is replaced by the following: 3. "Bodily injury" means bodily injury, sickness or disease sustained by a person, including mental anguish or death resulting from any of these at any time. 15. BROADENED MOBILE EQUIPMENT COVERAGE Each self-propelled vehicles described in Paragraph f.(1) of Definition 12. "Mobile Equipment" of the DEFINITIONS section is "mobile equipment" and will not be considered an "auto" if the gross vehicle weight is less than 1,000 pounds. 16. INCIDENTAL MALPRACTICE LIABILITY COVERAGE a. Definition 13. "Occurrence" of the DEFINITIONS section is amended to include injury arising out of the rendering or failure to render medical or paramedical services to persons by any physician, dentist, nurse, emergency medical technician or paramedic that is employed by you to provide such services. b. Paragraph 2.a.(1)(d) of SECTION II - WHO IS AN INSURED does not apply to nurses, emergency medical technicians or paramedics referred to in Paragraph a. above. For the purpose of determining the limits of insurance for incidental medical malpractice to which this insurance applies, any act or omission together with all related acts or omissions in the furnishing of these services will be considered one "occurrence". C. The insurance provided by this paragraph for Incidental Malpractice Liability does not apply if you are in the business of providing the medical or paramedical services described in paragraph a. above. GI -9 04 011 07 16 ©Tokio Marine Management, Inc., 2016 Page 5 of 7 Includes copyrighted material of Insurance Services Office, Inc., with its permission Insured Copy 17. NOTICE OF OCCURRENCE OR OFFENSE Paragraph a. of Condition 2. "Duties In The Event Of Occurrence, Offense, Claim Or Suit' is replaced with the following: b. You, your insurance manager or any other person you designate must see to it that we are notified as soon as practicable of an 'occurrence" or an offense which may result in a claim. To the extent possible, notice should include: (1) How, when and where the 'occurrence" or offense took place; (2) The names and addresses of any injured persons and witnesses; and (3) The nature and location of any injury or damage arising out of the 'occurrence" or offense. 18. EARLIER NOTICE OF CANCELLATION PROVIDED BY US For any statutorily permitted reason other than nonpayment of premium, the number of days required for notice of cancellation, as provided in paragraph 2. of either the CANCELLATION Common Policy Condition or as amended by an applicable state cancellation endorsement, will be the greater of: 1. The minimum number of days stated by the statute; or 2. 90 days. 19. CRISIS MANAGEMENT — CERTIFIED ACTS OF TERRORISM a. If you purchased "certified act of terrorism" coverage under this Coverage Part, we will reimburse you for "crisis management expenses" incurred by you because of a "crisis event' to which this insurance applies. The amount of such reimbursement is limited as described in Paragraph d. below. No other obligation or liability to pay sums or perform acts or services is covered. b. This insurance applies to a "crisis event' only if The "bodily injury" or "property damage" is caused by a "certified act of terrorism" that takes place in the "coverage territory" during the policy period. c. We will reimburse "crisis management expenses" only if: (1) The expenses are incurred within one year of the date the "certified act of terrorism" took place; and (2) The expenses are reported to us within one year of the date the expenses were incurred. d. The Aggregate Limit and the rules below fix the most we will pay regardless of the number of: (1) Insureds; (2) "Certified act of terrorism"; or (3) "Crisis events". The Aggregate Limit of $100,000 is the most we will reimburse you for the sum of all "crisis management expenses" incurred for all " crisis events" occurring during the policy period. e. The following additional definitions applicable to this endorsement supersede any similar definitions in the policy. (1) "Crisis event' means an emergency situation, which results in significant adverse regional or national media coverage about you GL9 04 011 07 16 ©Tokio Marine Management, Inc., 2016 Page 6 of 7 Includes copyrighted material of Insurance Services Office, Inc., with its permission Insured Copy (2) "Crisis management expenses" means those expenses incurred for services provided by a "crisis management firm". However, "crisis management expenses" shall not include compensation, fees, benefits, overhead, charges or expenses of any insured or any of your "employees". (3) "Crisis management firm" means any qualified service provider you hire. GL9 04 01107 16 ©Tokio Marine Management, Inc., 2016 Page 7 of 7 Includes copyrighted material of Insurance Services Office, Inc., with its permission Insured Copy POLICY NUMBER: CLL6407345-05 COMMERCIAL GENERAL LIABILITY CG 24 04 05 09 WAIVER OF TRANSFER OF FIGHTS OF RECOVERY AGAINST OTHERS TO US This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Name Of Person Or Organization: Any person or organization if you are required to do so under a written contract, agreement or permit provided the "bodily injury" or "property damage" occurs subsequent to the execution of the contract, agreement or per- mit. Information required to complete this Schedule, if not shown above, will be shown in the Declarations. The following is added to Paragraph 8. Transfer Of Rights Of Recovery Against Others To Us of Section IV — Conditions: We waive any right of recovery we may have against the person or organization shown in the Schedule above because of payments we make for injury or damage arising out of your ongoing operations or "your work" done under a contract with that person or organization and included in the "products - completed operations hazard". This waiver applies only to the person or organization shown in the Schedule above. CG 24 04 05 09 © Insurance Services Office, Inc., 2008 Page 1 of 1 D Insured Copy Aftk WORKERS COMPENSATION TRAVELERV AND On TOWER SQUARE EMPLOYERS LIABILITY POLICY HARTFORD, CT 06183 ENDORSEMENT WC 99 03 76 ( A) — 001 POLICY NUMBER: (YJUB-3F98068-8-19) '11AIVER OF OUR RIGHT TO RECOVER FROM OTHER§ ENDOORNIA (BLANKET WAIVER) 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. The additional premium for this endorsement shall be 02.00 % of the California workers' compensation pre- mium. Schedule Person or Organization Job Description ANY PERSON OR ORGANIZATION FOR WHICH THE INSURED HAS AGREED BY WRITTEN CONTRACT EXECUTED PRIOR TO LOSS TO FURNISH THIS WAIVER, INCLUDING KASHIWA FUDOSAN AMERICA, INC., METRO PROPERTIES, LLC TAR DEVELOPMENT, INC RIVERROCK REAL ESTATE GROUP, INC. 395/400 OYSTER POINT BOULEVARD SOUTH SAN FRANCISCO, CA 94080 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 Policy No. Endorsement No. Insured Premium Insurance Company Countersigned by DATE OFISSUE: 01-15-19 ST ASSIGN: Page 1 of 1