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epositary shares to the public in that Relevant Member State at any time: • to any legal entity which is a qualified investor as defined under the Prospectus Directive; • to fewer than 150 natural or legal persons (other than qualified investors as defined in the Prospectus Directive) subject to obtaini
ork of over 4,300 independent agents. direct-to-consumer marketing, wholesaling and worksite marketing. We are licensed to operate in 50 states and the District of Columbia, but focus on underserved niche markets. Approximately 84% of our P&C premium written is originated in eleven core states: North Carolina, New York
y shares may be made to the public in that Relevant Member State other than: A. to any legal entity which is a qualified investor as defined in the Prospectus Directive; B. to fewer than 100 or, if the Relevant Member State has implemented the relevant provision of the 2010 PD Amending Directive, 150, na
e United States, (2) a corporation, or entity treated as a corporation, organized in or under the laws of the United States or any state thereof or the District of Columbia, (3) a trust that (i) is subject to (a) the primary supervision of a court within the United States and (b) the authority of one or more U.S. person
plement may not be made to the public in that relevant member state other than: to any legal entity which is a qualified investor as defined in the Prospectus Directive; to fewer than 150 natural or legal persons (other than qualified investors as defined in the Prospectus Directive), as permitted under t
ity taxable as a corporation for U.S. Federal income tax purposes) created or organized under the laws of the United States or any state thereof, or the District of Columbia, (iii) an estate, the income of which is subject to U.S. Federal income taxation regardless of its source, or (iv) a trust (a) the administration o
Entities connected to both Prospectus and the District of Columbia

United States
LOCATION
Jeffrey Epstein
PERSON
Julie K. Brown
PERSON
United Kingdom
LOCATION
Eric Holder
PERSONthe Securities and Exchange Commission
ORGANIZATION
St. Louis
LOCATIONKeogh
ORGANIZATION
Morgan Stanley
ORGANIZATION
Hong Kong
LOCATION
Ontario
LOCATIONthe Federal Reserve System
ORGANIZATIONRegistrar
ORGANIZATIONMorgan Stanley & Co. LLC
ORGANIZATIONUBS Investment Bank
ORGANIZATIONthe U.S. Department of Labor
ORGANIZATIONthe European Economic Area
LOCATIONthe New York Banking Law
ORGANIZATIONForm S-3
ORGANIZATIONthe City of New York
LOCATION