Antitrust Statement

To be read at the beginning of each committee meeting:

As participants in this meeting, we need to be mindful of the constraints of Antitrust laws.

There shall be no discussions of agreements or concerted actions that may restrain

competition.  This prohibition includes the exchange of information concerning individual

prices, rates, coverages, market practices, claims settlement practices, or any

other competitive aspect of an individual company’s operation. Each participant is obligated

to speak up immediately for the purpose of preventing any discussion falling outside these