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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
RWARD-LOOKING STATEMENTS This prospectus contains certain forward-looking statements that are intended to be covered by the safe harbors created by The Private Securities Litigation Reform Act of 1995. When we use words such as "anticipate," "intend." "plan," "believe," "estimate," "expect," "may," "should," or similar expressions, we do s
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
of such appointed stock exchange in relation thereto. S-ii EFTA00618206 Table of Contents CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS The Private Securities Litigation Reform Act of 1995 ("PSLRA') provides a "safe harbor" for forward- looking statements. This prospectus supplement and the accompanying prospectus, our annual re
count under section 403(b)(7). 44 EFTA_R1_01783665 EFTA02597949 (3) The United States or any of its agencies or instrumentalities. (4) A state, the District of Columbia, a possession of the United States, o= any of their political subdivisions or instrumentalities. (5) A foreign government or any of it political su
, material filed by the Company may be inspected at the offices of the NYSE, =0 Broad Street, New York, New York 10005. Safe Harbor Statement Under The Private Securities Litigation Reform Act Of 1995: All forward-looking statements made by the Company (including, withou= limitation, in Section 10 hereof) involve material risks and uncerta
Entities connected to both the District of Columbia and The Private Securities Litigation Reform Act

United States
LOCATION
Jeffrey Epstein
PERSON
United Kingdom
LOCATION
Eric Holder
PERSONthe Securities and Exchange Commission
ORGANIZATION
Morgan Stanley
ORGANIZATIONRegistrar
ORGANIZATIONMorgan Stanley & Co. LLC
ORGANIZATIONForm S-3
ORGANIZATIONUBS Investment Bank
ORGANIZATIONthe New York Banking Law
ORGANIZATIONProspectus
ORGANIZATIONThe Certificate of Designations
ORGANIZATIONBook-Entry
ORGANIZATION