Loading...
Agenda 09/24/2013 Item #16E 1n 9/24/2013 16.E.1. EXECUTIVE SUMMARY Recommendation to approve the purchase of Flood Insurance for Fiscal Year 2014 in the estimated amount of $346,062. OBJECTIVE: To protect County -owned real and personal properties in special flood hazard areas against losses caused by the peril of flood and to comply with the Stafford Act. CONSIDERATIONS: The Board of Commissioners purchases flood insurance to protect the County's real and personal property assets against losses caused by the peril of flood. Additionally, it is purchased in order to comply with Section 311 (42 U.S.0 5154) of the Stafford Act which requires that an applicant for FEMA assistance "shall comply with regulations prescribed by the President to assure that, with respect to any property to be replaced, restored, repaired, or constructed with such assistance, such types and extent of insurance will be obtained and maintained as may be reasonably available, adequate, and necessary, to protect against future loss to such property." Flood coverage is underwritten by the National Flood Insurance Program and policies are sold and serviced by insurance carriers and brokers. The maximum limit of coverage that can be purchased per building is $500,000 and $500,000 for contents. The county's property insurance policy provides excess flood coverage above the° $500,000 NFIP limit up to a maximum of $75,000,000. Flood policies are placed according to location. The current Flood Insurance schedule identifies 196 policies with limits purchased of $73,039,814 on total values of $424,391,536. These policies renew at various times throughout the year with the majority of renewals occurring in October and July. In order to assure that coverage is secured on a timely basis, staff is requesting approval to purchase Flood Insurance for the fiscal year and authorize staff to request payment as these policies come due. A schedule of covered locations is attached as reference. FISCAL IMPACT: The estimated annual cost to procure Flood Insurance in FY 2014 is $346,062. Sufficient funds have been budgeted within Fund 516, Property and Casualty Insurance for this purchase. GROWTH MANAGEMENT IMPACT: There is no growth management impact associated with this item. LEGAL CONSIDERATIONS: This item has been approved by the County Attorney's Office as to form and legality and requires majority vote for approval. — CMG RECOMMENDATION: That the Board approves the purchase of flood insurance as outlined in the Executive Summary and authorizes the County Manager or designee to complete any applications or other documents necessary to bind coverage as it becomes due in Fiscal Year 2014. PREPARED BY: Jeffrey A. Walker, CPCU, ARM, Director, Risk Management Department Packet Page -2149- 9/24/2013 16.E.1. COLLIER COUNTY Board of County Commissioners Item Number: 16.16.E.16.E.1. Item Summary: Recommendation to approve the purchase of Flood Insurance for Fiscal Year 2014 in the estimated amount of $346,062. Meeting Date: 9/24/2013 Prepared By Name: WalkerJeff Title: Director - Risk Management,Risk Management 9/3/2013 3:25:47 PM Submitted by Title: Director - Risk Management,Risk Management Name: WalkerJeff 9/3/2013 3:25:48 PM Approved By Name: pochopinpat Title: Administrative Assistant,Facilities Management Date: 9/4/2013 3:03:29 PM Name: GreeneColleen Title: Assistant County Attorney,County Attorney Date: 9/4/2013 3:58:51 PM Name: PriceLen Title: Administrator, Administrative Services Date: 9/11/2013 5:52:25 PM Name: PryorCheryl Title: Management/ Budget Analyst, Senior,Office of Manag Date: 9/12/2013 9:34:24 AM Name: KlatzkowJeff Packet Page -2150- Title: County Attorney Date: 9/12/2013 2:40:28 PM Name: OchsLeo Title: County Manager Date: 9/12/2013 4:35:12 PM Packet Page -2151- 9/24/2013 16.E.1. cn LU J J LL > W M z Q p Z r N O {Z a- U 2 `y z w c J Q U 0 O O ❑ U O O J LL 9/24/2013 16. E.1. 9 d M m m M m L() m V m m V N o 0) O) M h N m M Ili o m 'O 47 O)CO C m g m m f0 0 tfi In R in (O l!7 OI O) Ln m h h o O to o r lfi In a fe Q� N o m to O E D co O M m '7 M M N m J O m M M h tff (O M N In In et M O) h I� 1A b9 w w w w w w w w w 0 0 O 0 0 0 0 0 0 0 0 0 0 0 0 O O O 0 0 0 0 0 0 0 y C O O O m 0 m 0 0 0 0 0 0 0 Cl O O c O O N oc O R O 0 O O 0 0 0 0 O o 0 0 0 0 0 0 0 4] 0 M p E N M (m0 r M N m m M N m Op O m 00 �!) N O N L! N LL C J O N N N m N M m 7 .- U w w wrnwwww wee o wwww wwwea en wwwwwwww wwwwwww C v o 0 0 0 0 0 0 0 O O 0 0 O O o o O O o 0 O o o O O o 0 O O 0 o O O 0 0 O O 0 0 O O o O °o 0 M O 0 0 0 0 0 0 0 o 0 0 0 0 o 0 0 0 0 0 0 o 0 0 0 9 ,,, 0 II' O E 0 et 0 c O 0 0 0 0 O O 0 o 0 0 O O o 61,61 O a o 0 C O 0 0 0 co O O 0 0 I 0 N N M N 0 0 O 0 m o m O N O IO f` c O O O O O' L!'I C m M m m co m O N O O O 0 a o N O O O M O N O o O N O N 0 0 N 0 N Cl O 0 0 0 0 0 m O t0 0 w� J N m m m N l0 N N m m m sf N lf7 LA Lo M r V w Liz N N n � m N �611 N LI] m N .- m w w w w w w w w w w w w w w w w w w w www w w w w w w w w w w w w w °i A 00 f` M ° M ° N N O m 00 O N D N O c O O O O N O M w w w w w w w w w 0 0 0 0 0 0 0 0 0 c o 0 m 0 o o m O o o 0 O E E Oi Ni N o c 0 0 ❑ o o � a w w w w w w w w w w w w w w w w w w w 0 0 0 o LnN 0 O o 0 o oc� 0 0 0 0 00 0 0 0 0 0 0 o m 0 0 0 0 omo m 0 0 0 0 co Lri 0 0 o o 0000000 o 0 0 0 o 0 0 0 0 0 o O J o U _ w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w M N N M N 1� O m n m M N m N N O n m N N I` N M m N m N 0 M O •- r m m m O m O M N m N 0 M m m m M M N r M m I M O m O C E m m et m m M N N O m m Il I` m Ln m N 0 a m N M 0 f• V') N m O O m m O J M of of m M M N m N N N N n h N m M O m Ln m I� M m m 0 M. I� m O N m O m O a m m N I� M N to m.T � M m N m N to N — o lC) N �- m N V e N � � O tT M m m m O O N N f� r• m Le m V LO M M N o N N N N Ifi C 9 N •- N M m r- m w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w A m N m m m m m m m m m m m m N N M m M Ln ' m m r m m O m o a e a v v e c c e a c e a v v v e c c c c c a v v v v v e c v a c v v c a M M M M M M M M M M M M M M M M M M M M M M M M M M M M M M M M M M M M M u) y J J LL LL J J LL W J J W W J J W LL J J LL LL J J LL LL J J LL LL J J LL l.L J J LL LL J J W LL J J LL LL -u w J LL LL J J LL LL J J W LL J J W W J J LL W J J LL W J J LL LL y d W W W W W w W W W W W QW Y m U m J J a a J J a a J J a a J J a a J J a a W J J a a y N O a g W W J J a a W y J N a Q W w J J a a W J a W W J J a a W W J J a a W W J J a a w W J J a a W W J J a a W W J J a a w w J J a a i z z z z z z z z z z z z z- z z z z z z z z z z z z z v w> z z z z z z z z Y Y z z Y Y z z Y Y z z Y Y z z Y Y z z Y Y z z ❑ J z= J a W >> W ❑❑❑❑❑❑❑❑❑❑ } }} 3 3 aQ LL K Q K K m m m LL LL Q K m> Q H m- F- p Q O Q¢ o 0 Q¢ 0 0 Q Q 0 0 Q Q¢ 0 0 Y 0 a Y Y a a m} W W W w J m Q❑❑ a' a D: K K❑ K K �' K W W W y y W W W W W W W W W O Q Q O O ~ ~❑ _� z ¢ z z z z z z z z Z f- d>w� r F ����� 0� m mmO�� O O O — O O O o O O �� O Q c�c�0 Q Q 9 Q m w w J J w w J J w w J J w w J J w w J J w w J J m¢ m¢ g w a m 'O a 9 c W ❑ ❑ ❑ O O ❑ ❑ ❑ ❑ O ❑ ❑ C m Y H K W H `m W w 4- w cn U' Q U' C7 z z C7 C7 z z C7 C7 z z C7 U' Z C7 W Z Z W W m 0 0 0 0 0 0 0 0 0 0 0 0 >❑ Q Q Z Z z z z Z❑ ❑❑ d Z o- - O O C7 C7 O O C7 C7 O O C7 C7 O O C7 C7 O O C7 C7 O O C7 C7 a QQ z W¢ Q c W m Z Q Q >> Q m > O >> >>>> > >> J 0 J J 0 0 V O O O O O O O O O O O O K Q J O J J O O J J O O J J o O J J O O J O O N 'C to N N m LO LL'J m LO In m m m Lf"� O N O � LO (m0 O m m O M 0 N M LA m 0 m 0 0 0 0 0 0 0 0 m 0 to t!7 CO ❑ Z Z y 0 m z Q O cn in c M # # # ❑ J z ❑ O^ o C� OLmzZOZ O ZzmOm0C7 LL, - z x z O 0 Z O ' p U O O§ U H O m O O❑ Z V- o Z m <Q Z Q O f- N ❑ Z O a) tj a 0 _Uwa¢wQ❑Qmm 6 - Z- J III 0m wz > z z O_ L5 (n W mwJ S V T J m d� W (n a W m C7 n. w m m a F- z Q ❑ z Q O U' m Z U O (n O m W O 0 f- N # to N ## m W W U U Z z Z d W m W ay p 00J gz m❑ d❑ Z Q 7 W mjam Z o aWU m Z c a N U w !n }wwwUz0 F U fn y z 0 jF U U Q z Z U rn y m d a a a¢ 2 ❑O ll m O U acn d w ❑Q Ox o 0❑ ❑ X W z >> 0 0 ¢ U Q J x a 0¢ o c $ O rn U w C7 � p Q C7 U❑ m C� w❑ O I- ❑ Q~Q w C W .wJ m W ❑ LL N u' x W �° Z rn Z O a m Y J¢ a L) m J a a LZ11 w Z U H m �] cn ¢ z U W O Z 'S m m O O m❑ z❑ w❑ w 0 ❑❑ nw in F m i m m w 0 2 2 U W= i 2 m m w 2 LL m co m CW7 m d m O m K O z t=i) w m� w d x d� Lou J d d d 2 O O W Q ❑w 2 K Y Y Y a a a Y LLI z ❑ ❑ ❑ n Q WWW W W W _ N ❑ O W K 5 LL to Z Z z z z Z Z Z Z z z z z Z Z z z Z z z z Z W LL LL 0 555555555555 a m O z K aaa y t 'C O❑ a a a a a a a m a a a a a x m O W W W Fn Q U W W W W W W W W W W W W 1- x F-- m Y Y Y m Y Y K Y Y a' a' Y Y a' a' Y Y a' m Y x F- H H U J¢¢ Q Q Q Q Q¢ Q¢ Q Q Z W U Z d d Q Q Q Q Q Q Q Q Q Q Q Q Q J O > > > > W w > > > > w W > > � w W > > > > w W > > W W > > > > W W ❑ (n c" W O ❑ W W a' K K a a' a X K a to !n U !n U U U U 'r- W m Z H N U a' W 2 W x W W J W W J J W W J J W W J J W W J J W J W > W W >> m Q Q Q Q Q Q Q Q U U Q Q U N= Q Q a d J - W 1 . C U U w J O O J J O O J J O o J 0 0 0 0 0 - - m 3 3 3 3 rni- 0 a o 5 J w a a o v d 0 0 0 U U U d d z z z m 0 2 x 2 x 2 2 2 2 2 x 2 2 W F W W �- 2 2 2 2 2 2 2 x 2 2 2 2 2 0 0 0 ayi U ❑ J m ¢ O O J F- H r �- F- �- F-- �- �- ❑ ❑ ❑ O a w cr � af K K❑ z K n W U Z U' to Z U U J a a' a' K K K ❑ a > 0 0 0 0 0 0 0 0 0 0 0 0 0 m S i Q Q 2 0 0 0 W 0 0 0 0 0 0 0 0 0 0 0 0 0 W Z Z Z Z Z Z Z Z Z z ) ?i Z Z Z z Z Z z z z z U' U' U' racKet Nage - zi.5z- N W J J LL Z N M Z O U 2 a J Q U JO y O U 0 O 'I 9/24/2013 16. E.1. 01 W N N N N M M O O N M co 0) W O M N M N o 10 o O I� D7 M M W O m N 1� ? 10 R N (0 N R (M I� W m f` (0 W h 0) W N N I� 10 V m a 1� f` t• N R N I� '(T O N l0 O N O] �!] W I� O O W O N (C) .- N V O W N M N .y w w w w w w w w w w w w w w w w w w w w .4 w w w w w w w w to w w w w w w w w O 0 O O O 0 0 O O O O O O O O O O a 0 0 0 O O O O O O O 0 O 0 O L O +y C O• E W N O W h n W 0 N M 4) 10 R O W W co O — O O 0 0 V O O O (� O O O 0 N (r O N O M O (� N O M N O f0 O 0 O E 00 O 0 0 U w w w w w w w w w w w w w w w w- w w w w w w w w w w w w w w w w 0 0 0 0 0 0 0 0 0 0 0 0 0 0 cc 0 0 0 °0 0 0 0 0 0 Colo 0 0 0 0 0 0 0 0 0 o 0 0.0 0 o CIO 0 0 C. 0 0 0 0 0 0 0 Z C O aD (O O O O O 0) O W O_ O O O O M C O O 0 O 0 0 O O 0 0 O O 0 0 O O 0 0 O O 0 0 O (0 0 0 m O 0 0 o 0 0 0 0 N 0 0 O O? E (D h M W m M O O 0 0 O O 0 0 N O 1' O( (O m O I� d' O O) N O O O t0 O O O O O M J N N m m N N W r O N 10 �4& N 0 N 0) W M r 0 0 4] N 0 l0 N 0 47 0 0 40 (0 0 0 l0 l0 O M 10 O 10 W N N N O h 0 m w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w y O V1 o a w 0 (WO w 0 O V w 0 0) w 0 0 O N W w w 0 (Op w 0 w 0 O 0) w C C .N d O O M O O O O O 0 0 10 ? O O O W t0 N E iy y O. W M M 11'� to M W m N 10 N (0 D c c a w w w w w w w w w w w w w w w w w w w w C 0 0 W 0 0 O 0 0 0 0 O 0 0 O 0 0 0 0 O O 117 (0 0 0 0 0 O (0 W 0 0 0 0 O OI M 0 0 O 0 0 0 0 N O 0 0 O 0 0 0 0 (0 (D 0 0 O 0 0 l0 0 0 0 0 O O O N 0 (n U w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w tl9 w w w _N O O O W W N 10 (0 W 10 10 W W W N N O) m W W W M W M 0) N l0 V M W 0) W t0 N V N (0 I� m O V O 10 0) N 0) M O I M t0 N (0 .-- 7 (O E (O W 10 r' D) W W O O M 10 41 n O W M C 'cf N O 7 N O (n O l0 O) 10 R O .- J to m n (0 (D C co (O O (2'i W M W N? t7 m n? N N W M n N r 7 N W N W O V I� Oi C 9 M (O M (0 (0 0f ll') K I� M (0 1� N N d' N W M I� 0) O N ^ W R N O W W W O N N M O (0 N 1� .- M W h V W 1� N N N M n N W 0) m w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w C •t 7 a M 0 0 0 0 0 0 0 7 N O O O N N N� N� N a M M M M M M M M M M M M M M M )M M M M M M M M M M M M M IN (`� M IN IN (") M IN IN M M M H J J J J J J J J J J J J J J J J J J J J J J J J J J J J J J J J J J J J fn LL LL LL LL w W LL LL W LL (L W W LL LL LL a (L LL LL LL w LL W LL LL LL W LL LL LL LL LL LL U- LL W LL W W W W W W W W w w W W W w w w W W W W W W LLI J J Lo W qQJ Y q JQ JQ Y Y Ja Q JQ Y Y Q JQ Y o 0 0 J J J Q QG J Q Q1 J J Q¢ Q¢ 2 w J a a O O O g O O O V a W W J a a W W J J a a W W J J a a W W J J a a U U y m Q W W J J a a W W J J a a W W J J m a O O 2 2 C7 U w w Y Y O 0, mo Y Y O O c g Y Y 02 O � W J a U Z Z - -? - -- Z Z z Z Z Z Z Z 2 Z Z Z Z Z Z Z? W W ? Z ❑ 0 0 0 0❑❑ > W❑ � S = 0~ 0 0 0 0 0❑❑ SO p _l m> > > > >> O (n Q p Q Q Q Q Q Q O (n cr a p Q J J w ❑ J 0 J J 0= J J 0 0 J 0 2' O a' 2 S K a' a' ❑> O w w Z 0 x 0 Q O~ q (Z W W H W W F- W F- Q K , W ._, o 0 0 0 0 H 0 Q W W W w W W W W W W W W W W W 0 I O O 0 m E S ~ w w w w w w~ 9> a m m m m m m W z J J J 0Q QQ J J QQ aa J J QQ QQ >0 J> N❑ w (0 o tp } w Q —� a' a' Q❑ � 2 2� a' H 2 x 0 0 ❑ Y Q000000z Y Y Y Y Y Y 2 1- L rn m wc- m '�Z'�_giQQ(n(n(n m Q❑ m� c000000= maaaaaa������Q� 00� a00'o000 Q >x a N Q Q Q xofofOm2222 Q Q Q W 2�2 N = D U _ui Q - ON — Z Z Z Z Z Z 10 M 10 W (0 W (0 Y] IG W l0 4] W W 10 0 W W 0 0 0 0 W m 0 0 0 0 0 0 0 0 0 0 0 m 0 0 CIO O] m M 0 0 O N N N M I� M N (0 g O M 10 N N (a O 0) 0 — W N N 0 0 O m N N (n N O O M M N O O N N M M N N M M N N M M N N M M 0) N M z u C z a O J u �Om❑ Q C7 O D z Co LL w J z ❑w O 0 o UJ 0 ~ z pJ CD ❑J C~ 0 Q w N ❑W w Z Q W W of W m S- In LL_ w ❑} m W S m w W U m Z J g N (�% F LU i7 J Z m LL m W w S Z w Z O y W z 2 O 0 O m F- W W U} p z U U C='J } W 0 U z Q~ Z m W LU Z Z O_ W W J LL Q 0 -� J W m 0 m m (,(. W O U z Z (n W U} U w I- Q p a (\ 0 Q m U (� J (n m Q Z 0 w J Q a ❑ O o H h 2 0~ w 7 W U) o f- o Q Z F- F (n 0 a' 0) 7 M W F- (n K a' W W a' W Q? Q S UI Z W Z W J Z J Z U Q a LL m J W LL W W Z 7 OS H (n -❑ Y U' J F- Q W (n W a U O W z mg��aaa U' W m z S S Qw 2 W >>aoo�ooaamLw=�wi�LL�=wwaa�owo f- J❑ U W J U VJ J (n U' (n LL❑ (n m O (n C� a' W U LL. Q T O c9 Z Z w w N m (D LD Q Q W Z Z m `! Z o W Z U z W W Q Q Q Q } Q Q } W 0 0 0 0 0 0 > O J J (i �' } } z z } } z d Q m m a of a a a a a K a f p x w Y J a Y Y a a Y Y a a Y Y a } a a o, c Q J M w Q (n }} F O w Z p ❑❑❑ 0 0 z z 0 0 z p❑ 0 p U a m L w W w w w z w g❑ a Q ❑ a Q Q a a Q Q a a Q Q a a 0 a a m z w o= m z W w z z O O w w Z U w z z U U w w U U w w 0 U U w w z a W wwwwww N 0U)C"cnv>(n n �_ m ❑ y- � a � C.1 U O 00 0 o W W QJQ Y QJQ ¢J¢ Y Y QJQ QJQ Y Y QJQ Y o ZQ 111 a' QZQ QZ K a' QZ QZ Q K Z QZ g K Q J 0 0 V W a O m a a Z w W W (n J .� H H W W aJ QJ y Y QJ QJ Y Y QJ QJ Y Y co ❑ 0 0 0 0 0 0 0> w w w w w w w 0 0 �= �- w J J O z z 0 0 0 0 0 0 w g Q a w w w w w w w¢ a t O� w 0 0 0 2< Q O C7 w???? m>> J❑ U O D U U 0 vacKeirage -�15�- y W J J LL LL F-0c z 0 W U � c W JO N C Uo 0 0 J LL 9/24/2013 16. E.1. a m M Q n N (n h m lo m m m u7 o Q m o In M h m h n7 m m O N m Q N N m a N Q •- n M C m (m0 c E ri m Q m N - W w w w as w w w w w .n wwwwww 'A w w www w www w w w w w w w www w y 0 0 O O 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 O O O O O O O O O O 0 0 0 0 0 0 a p c p .d. E LL C J O O l0 O 1 O In Ifi � m m O '- M m O m O m m m Q m m N O (O N� to N O O o o O Q In r m 0 m o M O .- In O o O If1 O m O N N O N O (f1 N N O O O c0 liJ N m I� N O U w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w M O o o o O o 0 0 0 o 0 0 0 0 0 0 0 0 0 0 0 o 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 o O 0 0 o 0 0 o 0 0 0 0 0 0 a c _ O O? E m m N o O O O O m m o 0 O O 0 0 0 0 C 0 0 0 0 0 0 0 O 0 o 0 0 O O m m 0 m Y7 o 0 0 0 O O 0 o 0 0 O O u7 0 N 0 o (D N O Q (n N In N o 1n O N m M !n m N m M M Q o f O Q O o to 0 m O o o 0 0 O m 0 0 0 0 0 0 0 0 0 LL 7 J N to N Ifi r to �- 117 (!� (n In In In ll'i to M r (n (f1 In to In In m w w www w www w w w w w w w w w w w w w w w w w w w www w w w w w w 1p o O N O O O O O m o o M I� Q r N m N O r m O 117 °m ry O M w w w w w w w w w w w w Q, c c .N m o o Q 00 0 0 1n 00 0 0 Q o 0 o m 000 O rn o 0 o N 0 0 o 0 0 v 0 0 o E (D V Q M Q �i M m Q o of m r� Q o Q U y � N � M O Q a w w w w w w w w w w w w w w w w w w w w w w w w 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 o m o m o o 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 o 0 0 C .. C E (O O m m m In n O O = 0 117 O m o O .- if x m N 0 0 (n O N 0 '- O .- M O O M Imo. N O r M 0 m T m 0 0 O N N 0 m 0 N (P m (n o N N O 1f_ N N O N O J U y w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w m o Q 117 M N O O m m N I� to m O M m Q O M Q N M m m m m m (O N M In N m M to m O M J m f0 1n m m In m m m m N M r M In O M tT O n m N m m Ir m N m (n m O Q I� N M M 0 O O (D N m M C u M m N N (D O (D (p p, C N O (n m 0 r M m m (n m N .- O M M O Q N m m m N Q .- Q h M M O m .- Q m m 0 0 .- In N N M (n m N In M M M m m to (n m M N M I� m O m 1n N 1n N M Q a M w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w NQ NQ 1� N N N N N N N N N N a L a a M M v v M M m M c a min m m M M o a M M m a M M m m M M m c M M m m M M e min n a�a�� M m m M M m m M M m m M M m m M M m m M M M M m m v M m M H J J J J J J J J J J J J J J J J J J J J J J J J J -1-1- J J J J J J J J J J UI LL W w LL LL LL LL LL LL w LL LL LL w LL LL LL LL LL LL w LL w LL LL LL LL LL LL LL LL LL LL LL LL LL LL W W J J z z M w W n n a M n rn M W n rn n n w (n n w m w n (n (n w o w (n o w w W a O O W W J J W J w w J J W W J J w w J J u> W d J w w J J w w J J w W J J w J w w J J w w J J w Lou J J w w J J w W J J w w J J w w J J w w J J p a a a¢ a¢ a a a a a a a a a a¢ a a a a¢ a a a a a a¢¢¢ a a v z Z Z Z Z Z z Z Z Z z z Z Z Z Z Z Z z z Z Z Z z z Z Z z Z Z Z Z z z 0 a z z Q 0 > > > > > > > m 4 Q 4 4 q Q J g q Q Q Z z Z Z z z �> Z K >> m ter¢ r g zf--- - t- r1_00000000o0o¢¢r 0 fr _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ c�(n(n(nrn( wwujww c� aLLa 9000QQQ¢¢QQ¢Q m 20 2 2 2 ~ ~¢ ¢4¢QQ¢gz i W n Q¢¢ Q Q¢ Q Q - Q Q dZ� W Q r i? ¢ w. W Q F¢ W W Q W W (Qp W W (¢q Q W W a Q H Q F W 4 4 W D O O 0 0 0 0 0 0 0 0 H 0 0 0 0 0 C7 0 C7 U` _p O p¢ 0 O IIH � M I� LL7 M I+ O In 0 0 0 U U U 0 0 0 0 0 O M M M M M M M M M M M M M M M M M M M M M M M m M M m m M M m M Q Q V C _ m c n m z � W m W m m m 0 Y v m 4z zp Y CO =w owa o 0gZ W t7 w(pp c °- 0 U o � N m m g } m X w o U U p (7 z F- UI ¢ Q Z a m p w 0 U z z p p J z J z • a O m w M M Z Og m w w UC7t w Q -zmOmp z J (7 J¢ ~ m �Q¢=Omt- _O H O O w m y �¢za_J�oO -_' m o 0° c O Ow WOUY JU x°Ju) �m WY CD C7� z nm0° ~wz m mm �zwafw m m w x w 0 m (7 Q ~ W w J° U Q LL O LL '(o O O m Co z a m W Z g a V z LL U Y U U U Q Z i- LL 0� x O x z 0 U Z d m m0 Z K mw c n m Z> (n O x - a O J W J 0U(8z0o p 2 z 0¢ 0 w '� "ZYZ�(7=xQ-w U m O a =} in O Q m Q = U Q z wwLu J W Z Q U O Q J w O LL Uw�a Z 0 Q H Z w U >z4aa a LL, wm OU m w 0 z O¢ 4 .OJ z >> � '� z w O Z z u� O w¢¢ Q Y z Z z Q a m w 3 m U m 4 x m m= n w U w d x n U m w U n w w w 2 0= C7 a w 0 Z w g o- Q Q Q¢ Q Y Y U a a Z X x x x x x x x x x x x U x x x x x a Y} Y } T T Y w y a s w J w J w w J J w w J J w w J J w w J J w w J J w w J J w w J J www J J J w J z z » z z z z z z a' Y Y Y a a a a a a a a a a a a a a a a a a a a z Z Z>> z z z W ¢ F- m 2 2 2� 2 2 2 2 2 2 2 Z> 2 2 2� a n 2 7 7 m a z z z z Q 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 z o 0 0 m U w F- U i- U U U U f- H U U U U F- r U U �- U U �- �-- U U U U U F- ti U 0 0 0 U U U U U m m a '� w zzzzzzzzzzzzzzzzzzzzU(nv� r- www nmwww zm W W Q W W W W W w W W w w W w w W w W W w w W W W W w W W W W H - H Q O LL J J O (n a a a a a a a Q Q¢ - W gi gi zzzzzzzzzzz ol a a z z z z z z z 00 0 W W W W W W W W W W W W W W W W w w W W x x x x H.. ♦- w a a p O¢ 0 0 0000000000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 ¢QQQQ Q¢ O O O 0, U )�wwwww ww(n(n(naw0 raCKeirage -t154- co W D J J LL j W M Z O N =) z O U �y w LLJ o J Q U JO in O U 0 O O J LL 9/24/2013 16. E.1. .0 10 R M (D '- (O (O 0 0 O M 0 O 1n N 01 �- M 117 O OI n N n of O n M O N (D M n< n< O V of < C 01 M (D N O n n (O Wl0 a O a 10 M (O l0 N N n O (D (O (D (D (D (D V (D n 0) w N- w wwwwwwww w w w w w w w w w w w to w w w w w 6s 60 w w w w 0 0 0 0 0 0 0 0 o 0 0 1 0 0 0 y o 0 00 0 o 0 c 0 r� 0 0 0 0 0 0 0 0 o�1n 0 0 o 0 oM 0 9 C O O O N 0] O v C0 m O M a N D C LL O J 10 N U w w w w w w w w w w w w w w w w w w w w w w w i w in w w .91w1 0 0 0 0 0 0 0 0 0' O p 00 0 0 o 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 p 0 O O O O O 0 0 0 0 0 0 0 0 0 0 0 0 CD 7 C 0 0 0 0 0 0 0 0 0 0 0 0? 0 0 0 N 0 M 0 o M O 67 n 0 1n Cl O N 0 0 0 0 0 0 0 0 0 0 0 0 0 0 ,�,� O o? Eoorn O O N n D- GO Ol N Dorn O) n 0� (nw .�._ O �OO"tmm C,; LO MOMOy^wwWKfnAm0000 O O O M n LL •= J In LO LL7 N N M V lfi '- In In 10 10 r m w w w w w w w w w w w w w w w w w w w w w w w w w w w w lb °o 00 0 O O (D N O (n w w w w w w w a o 0 0 0 0 0 0 y R 1n N of N N N 0 ' Q a w w w w w w w w w w w w w w w w w w w 0 0 0 0 0 0 0 0 0 0 0 0 0 C 0 0 0 0 0 o 0 O 0 o 0 o 0 a C O W N O O O -.1 0 W 0 0 N of tb O N n O O O OJ N V Co to O J U w w w w w w w w w w w w w w w w w w w w w w w w w w 'E n (O N (O O n 0 �{ !n N O O1 OD N n t0 O O O O O 0 O m N O n 0 N i17 OD N N 7 M a 0 0 0 O O O O O z N 0 m m n In 0 M O) O ("1 n M 0 0 M (D n N CT C 00 lT n of O) 0 0 0 0 0 0 1 (O �_ 01 M J O m 6] O N O O) (O n O) CJ n N e n n O LL7 LL7 a to a 1t) O> C M a 0 (O Oi O ["' 117 Qi OJ (O n M M 0 0 0 O(n C 9 O M M O N N M V O M W 7 M D n m w w w w w w w w 19 10 w w w w w wwwww w w w w w w w w w w w 10 N N N N N N N_ N N N N N O N K m of C et '7 l0 N N N M M C2 M M M a M M M M ^e�c�vccaacvvv O O O O C� C C •' � O 1.2 Dve� a e vvvvvcccccvvvaccccvv M M M M M M M M M M M M M M M M M M M M F- J J J ..J J J J J J J J J J J J J J J J J J J J J J J J J J J J J J J J J tll LL w LL LL W w w ll LL LL LL. W 1L W LL LL LL lL w LL W W LL LL 11 LL lL lL LL 1L LL LL LL W <L LL W W W W W W WQQ QW QW U N (n !n (n !n U U !n !n U co Y aW W Y Y O O W W J J w W J J W J W w J J W W J J W W J J w N J N W J W W J J W J W W J J O O Z W O J W W J J W W J J W W J J W J J W W J J W J < < < « « < < < < <�< < < < < < < < < < « < < < < <a Z z Z Z Z Z Z Z Z Z Z z Z Z Z z z Z z_ _ Z Z z z z z z Z Z Z Z Z ❑ W W ¢ >> O w w w- w w w w w w w w x z z z ? m > > w w > J w w > > w > w w > > w > W W m W m w w > > cr N (~!1 U (n (n ❑ w w = � w w C of w � m Z Z Z a 0 0 Q Q 0 I- � 12❑❑ z z 0❑❑ z Z Z 0❑❑ Z z Q Z J W w > >> Lu J m m 0 D: 0 Z 9 Q '- x x 0 0 0 0 0 0 0 0 Q Q Q m Q Q N N Q< S S 2 0_ 0! 2 2 a' 2 0 W L=L, W W K W 2' 2' J J ¢ Q¢¢ J J J Q J J Q Q¢ J � ~ 2 2 0 2 0 (� (� Q Q > > >> Z K Q Q U U Q U U J U U J J U U J J J p 2' !r Q¢ 0_ 0_ Q Q 2 Q O O >>> Q Q > Q ¢ > Q > >> ¢ Q ¢ �' 0 n n (0 n cn W W Q Q ❑ ❑ Q ❑ Q ❑ w (n (n (n C7 C7 C7 C7 C7 C7 m Z Z N (O of a s d' O et J O O O O O O S W W W m N (O O C �L) 0 0 0 0 0 0 0 n T (n to N N of W N N W N co co N N N aT N M V V a V Ol 7 1n to 10 n n 0 0 CO N 0 0 0 N m l0 l0 0 0 n 0 M N N M M M M M M 0 M (n 0101010 co O O O 0 co 1n 1n 0 l0 l0 to In N 0 (n 10 �0 n n 1n a O Z m z Z ❑ O. J u U 0 2 N ❑ ❑ x z W 0 w O W Q 01 Z S * _ ik O 0] 5 U Z Z j a z 9 Q W m 2 J J ❑ Z 0_ 0_ W z Q U❑ V w x ¢ Un O W m Un w Z W U (i U W 2~ W W ❑ W 1- x 0' 1n F- n Z m ❑ F- LL' a U W z W W i W W W Z i m Z w z w W J U U J m ❑ a LL, o! m o LL (n Q z j z U z# uwi O c7 0} m❑ w 0 0 0 0 0 0 0 O zQ O n7 01 CQ x O 2 0❑ Z W Z U U' Ox O w U C.7 O c❑ U 0 J �' m ¢ m �"' U V H 2 W 2 2 w 2 S w W 2¢¢- a Z¢ !n U 4- c W W w W W !n U W W W 2 4KJS cz zF2-Z zC)z ?zwz zm0daaada am -J w W-i �a ~ �a w OU w U ¢ m Ol 0 0 o a z g� w m m m c 7 QO O❑❑ z U) ❑ w w wwww ? a a a t- a (n J J J z z z z z ¢ D 00000��� 55555 0 w 0 0 0 0 2 0 0 0 Z a-a a a a 0 Q K 0 N }❑ J O O O O 1- W M N H W W W W W [If m J Q M: W n zzzzmma Y O O - O o. Lo wwwwww 3 � i� w w W W Q Q¢ a a Q¢ a 0_ n. Q Q a a Q S a TD W W c W O n n 0 0 O O 0 0 O 0 O U J_ w w W W W W 0- >Q> > Q> > Q> ¢ >¢> J J Z Z w w Z Z w w Z w Z Z w w Z 7 w O 0 O z z (.� .� z Q¢ a a w w w w gy w>> x x 3> x x x O O❑❑❑❑❑ O❑❑ J J J J O O O W ~~ ~ ~~ gC7 c�c7 C�C�C�C�C0 >M(n (m n 000 n 010 0 9 U)(n000000 (n n (n Z Z u U In Packet Page -Z155- y w J J LL j LL C H Q Z c Ow' L) i W lac o�c Uo 0 LL 9/24/2013 16. E.1. 9 N m m � m m m N O m m m M n O M 0 m m O l0 O O l0 m M l0 n n L0 m n n coo m l0 O l0 10 m m M M O O m m n N m N N O) o (O m N er R O) o f m m N N M N N N n N y W f9 69 H9 M fA fA fA t9 fA fA t9 fA V! fA 19 19 69 fA f9 (9 f9 b9 to 19 .4 19 /9 19 19 64 1A b9 .4 Vi iA aA Vi y O O 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 O 0 O O 0 0 O 0 O 0 O 0 0 0 o 0 0 0 o cc 0 0 o O 0 0 O y c J m et n N M N m m m a l0 p N m N O m m N o m O O m O O n n (O N m m M M v O M m m O O O O G O O O O O O N m 0 N O O O N .- n (h m O U ffl fA fA !9 w w 69 E9 fA f9 f9 di t9 w fA 69 69 M fA E9 fA f9 f9 » w ffl 1fl 69 69 t9 69 69 (9 fA f9 lH 69 D) 0 0 0 0 O N 0 0 O 0 N o O 0 o 0 0 m 0 p o 0 0 0 0 0 0 0 0 N O 0 0 0 0 o O 0 0 o 0 0 0 0 o 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 o 0 0 0 o 0 C O 0 0 0 n �9 m LL'i m O f0 O R m M m 0 M o LL� O m 0 O O 0 0 O C m m m N l0 O R O O O O O O O O O m O O O O O O N C n 0 0 9 E LL J 0 m m N O m m n n m O l0 m O N m �fi9 n m N O c m m o 10 0 0 m N 0 l0 N O n O 10 0 0 m m o O 0 0 t0 m N O 10 M M M M O M t0 � o n 10 N .- O o m m 64 V9 19 Vi di N9 44 to VW K ui t9 W f9 W w vi t9 tq 6" t5 49 e9 t9 t9 69 t9 t9 v! `.s w K fA M K O m N O O M O Q O O O m O M m O O O m O O n 0 l0 m 0 p e O U) Vi w W M w Y9 M f9 69 IA di di C C d .�. y E C O O N N N 0 0 O O N N N N M O O O O l0 o (O (C m o O fV N o O N O O m N O O M o O n O 0 v o 0 N O u O Q R W 0 o 00 O 0 o 0 0 0 o 0 0 0 0 0 0 0 0 0 o 0 0 0 0 0 o o 0 0 0 o 0 0 o 0 0 0 0 0 0 0 0 0 cc m m m o 0 c m o m O v o 0 o m m o m c LL7 N M 0 o 0 0 o N N 7 v m O V M M U m » F» ss vi En ds c9 ua c9 en to u9 e9 t9 ui r9 69 ua «9 w M rs M t9 f9 f9 vi •9 » �9 <n us ri "' N �0 N m M N o m O M m N N o M N M m O O p p m 0 m p 0 m p n m N 01 Q� n O> m f� O M (ND m }} OJ U NV n N E m M m N M N m M 0) e} O m M m M m et m m m n m 7 m a l0 m m m O n v O) O) J O M th O n 1/i In m N O O C1 n m ti O m 0 m m NI m m 0 c m N O N Of m M n N M m O V m m V N m N N M M O m O M m M n m m pF 9 M m n m N O M of O> O m N .-- N N m m 0 O) e{ t`') m 2 N m m m M fA 69 M 69 19 69 fA f9 69 f9 (9 69 f9 f9 f9 (9 69 f9 f9 f9 f9 Vi Hi fA (A t9 19 !9 fA f9 fA !9 M EA 69 ( M^ m N m m m N N V a 01 N M O m D7 O) O er N N^ m m m m M M t7 7 M n n m t0 O> n l0 O 1 M M M C M M t <t M M n t M M C< M M m M M M M C M M M M M M M t M M V O M M O m M M m m M M m m M M M M m m m m M C M M ~ J J J J J J J J J J J J J J J J J J J J J J J J J J J J J J J J (n LL LL W LL LL w LL LL LL LL W LL L W LL LL LL w LL LL LL W W LL LL 1 LL LL W w w L J J LL LL J J LL LL J LL W W W W W g 9 O N (� W W (o W - m W W m m W W co (!l W W (� m W W QJQ QJQ Y Y C7 y co m W w co m w W m W m- W W u) N W w N E w W (� m W W m N W W [� � W W tJ7 � W W (� m W W w �aan.adddaaaa�gw J J J J J J J J J J J O O d aLLaaaa J J J J J J J aaaaaaLLO J J J J J J J J aaLLLLdaaa- J J J J J J U < z z z z z z z z z z?? w z z z z z z z z z z z z z z z z z z z z z z i w w W W W } } }}} o o z❑❑❑ O¢ Q x Q U Q= U U x U a J .> v ¢ W W W W W N¢¢¢¢¢ p� ❑ O O O ❑ > >> Q W QQ J W J Q p` H W ❑ J y m m m Z m❑ W ¢ F-- W W F- F- W W¢¢❑ F- r O O¢ m O W W¢ W J W J W m J m m m ❑❑ m N� m m H W 9 z Z Z m Z Z Q ¢ ¢ ¢ ¢ ¢ (r CY O C LC d H H �- O m OOOmmmm m m J_ J J_ J_ J F- ¢¢ J O O I- f W W U J w m 7 a W W (Y m W W W fC fY SC�C�CDQU' [C W W m Of W W K m m m W w >ww Y m¢ J J m m m W W W m W U m m U fY ¢ W W fY m Y U O T mw¢ m W m r 4 r ¢ H W W - a d¢� a a m 0 0 0 (n 0 > (n > m > ❑ ❑ ❑ ❑ }} 0 o 0 o ¢ ~ m m E w J o x ¢ ¢ ¢ ¢ ¢ co 3: ¢ ¢ ¢ ¢ aaCe a mCQ7��o00¢¢¢¢�wzzuiw a J J E =JO z N o o O o o m m¢ U 0 0¢ 0 0 0 > > >> l0 l0 O O n m O Q l0 � z m m It] 4] m 10 m m m m O N m m N N m m N N m m M M m m m m W m N N n n N m n n m n m m n n n n n m O n m O M m m M n m Co 01 O) m m QI O m O) M 10 MM O) O D7 V m c0 z w c Of a n c O =va 0 CrU z c� ? c a w w Z J~ JO m w O =Ci(�LL Qz ❑ Q J mm� J� m co O .a ❑ Z z QU ❑ m z a m w C) /- Elf < O� Q �n LL Z U w z Z m M N A Lo LL ii Yul d J W m ¢ J m 0 _O m Z w ¢ H Z U¢ d. } J J LL o w z -8* o w w� W w z m m O p7 F_ y m J O< F_ ¢ m (7 m❑ w �° J¢ n S~ w O C r- ¢ of m W W 0 W m U J m m rn m m S F_ m 0 m S m Im CC z w O a¢ 0 ,� 0 Z wSwa �=gUm pyj w m F_ awCrmC�SmUg��mw¢zJrn�0(n LL � a W Z 0 a U O m������LL Z m O w J fY m d LL¢ W 0 LL W S LY U z W 0 d d�� 1~- Q fY c¢ W U� Cr H❑ m Q In QU m'n Q 2' W 0 m� U W w a y W�� J J W W (n U W❑� m W W w u) eK N Yk Z N � } } } O CC J L- J t- F- J J m Q z Lij v z z z� W W U U U w co W m o o d o n 2 0 0 0 z) rn w n a w W Z Z Z m U F- > O F Q W Q y W w w J J m W w w m m Q Q Q Q Il LL} W W W _C N m m ¢¢¢ F- Un m m w m m m W w H H LY Z Z m S K m❑❑ a¢ y m W W W W m m fY x S U O O a¢¢¢ Q K ¢¢ K y _m Y <n <n U z Z M N C U M n LL I- In I- m In W W ¢ ¢ ¢a ¢a¢ U U Z Z m w Z' r F- F- ¢ ¢ Z U ¢ Z ¢ Z a ¢ } a Z } F_ J Z O �- �- O * u w w o Q p st # w Z tr LL C7 C7 zzgzzzzz�,g�a�J��F ❑ z m m m m m❑ m a m m U U ¢¢O U m ZZ¢� m F J c� m fY >- Lu nu m m o�mo¢m y mow m F_ 2 = H= o m U U U U U a a Z 00 w w w U U W aO aO Q Z J O m m J J O J J J J a a w c a a 2 m 2 w w Q z Cr J J L Q U O Q 0 0 -! 0 w W W w W w W> N w w x Q Q C) J O w J w z ¢ m (n U F- F- ¢¢ m W W x �o Q W Q m m m C7 (7 C7 tL d a [L a _ w> .J W U U J �i � Z U� W rdCKet rage -LLSb- N W 7 J J U- >, LL M z C4 O LU U g `y a W Q U JO y O U � O O J LL 9 d 0 LO Of U2 O (!1 (O O , (O O m (O (O A M N 10 O N tow O m m N N N w (O 10 (O (n 0 h M W w w w w w w w w w w w o °o 0 00 0 0 0 o0 0 0 0 o rn M 0 0 ([j m °o E N N o _ c U w w w w w w w w w w w o 0 0 0 0 o o o 0 0 o a 9 C 0 o N O o 0 O N 0 o O O 0 o C7 0 o 0 0 0 o.- 0 GJ O O m M c Ni to M N o N (D O N o O O N al LL J (00 m m w w w w w w w w w w un w w m m O M ° w w a N O - d O O Vi D' a w w w w w w w o 0 0 0 0 . 0 0 . 0 0 0 0 m c .. 0 � 0 ri 0 c (n o ri ui 0 0 (ri m c E a o Z U w w w w w w w w w N w Nw = 'E (O eT (O M (h (h (O h M 0f O O 0 0 O O o c OJ of (o m (n (n o N o (n r) 0 0 0 (p l� l[J p� N (7 N N m w w w w w w w w w w w %°• o a v v v N M c v o a c c M m o a M M a c m M c a m m a c m m o m H J J J J J J J J J J J (n LL W Il lL LL LL W LL (L LL LL (n u) u) ....g w O W W W W W J W U' m 0 0 J J J J J J J 2' N U U ."' Q Q Q Q Q Q Q> A Q Q U.1 Z Z Z Z Z Z W Z Q Q Q Q m y = a o > > > U 3 0 LU LU � Q D O C m (Y m O l9 2 2' ai-0CD(D0 >0 m i :F O J J J J E of J J W W W W 0 !) m 2 2 w 3 g Q U U Q J J J Q m 0 0 0 _.I 0 a O o rn rn rn rn T C (0 d' W d 7 V J O O w LL x z O w LL N Lil w Z Q U H LLj N u) W V Z Lu O) Z d Lu H W 2 cm Z W O Z a U Z U W U a Z Y Z W O W w ;?�xZ�gw�E 0 a O w w w Z Z y Q Z -( U U ul O m 2 C9 G7 UU ~ Y Y Y Y~ > J J LL a a a d W= W w w LLI d' J J J J J O 2 w w m w w w w w m E= O O > > > J O C C 0 3: 10 12 I:E Packet Page -2157- 9/24/2013 16. E.1.