HomeMy WebLinkAboutInsurance Certificate: Chown Inc (2)
Client#:325772 r±)TY RECORDER
ACORD. CERTIFICATE OF LIABILITY INSURANCE 1 DATE(MMJDDIYYYY)
3/10/2014
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 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 I NAME: NTACT Bambi Brown, CIC, CRM
USI Northwest CL1 aCN No Es, , 503.295.8312 NC, o): 610.362.8189
700 NE Multnomah, Suite 1300 E-MAIL
ADDRESS: bambi.brown@usi.biz
Portland, OR 97232
' 503 224-8390 INSURER(S) AFFORDING COVERAGE NAICp
INSURER A: Massachusetts Bay Insurance Corn 122306
INSURED Chown, Inc. INSURER B : Hanover Insurance Company 31534
INSURER C:AIImericaFinancial Benefit 41840
P O Box 2888
Portland, OR 97208 - INSURER D:
INSURER E:
INSURER F :
COVERAGES CERTIFICATE NUMBER: 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 CONTRACTOR 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 PAID CLAIMS.
INSR ADDLSUBR' POLICY EFF POLICY EXP
LTR TYPE OF INSURANCE INS_R WVO POLICY NUMBER LIMITS
(MMIDDIYVVY) (MMIDDIVYYY
A GENERAL LIABILITY ZDF2904844003 3/01/2014 03/01/2015 . EACH OCCURRENCE $1,000,000
XI COMMERCIAL GENERAL LIABILITY PREMISESOEaoxrtDence $100000
CLAIMS-MADE a OCCUR MED EXP (Any one person) S5,000
X WA Stopgap Included PERSONALSADV INJURY $1,000,000
GENERAL AGGREGATE $2000,000
GEN'L AGGREGATE LIMIT APPLIES PER: PRODUCTS-COMPIOP AGG 52,000,000
_ X POLICY 1Ep7 LOC $
C AUTOMOBILE LIABILITY AW2904849803 3101/2014 03/01/201 COMBINED accident) SINGLE LIMIT 1,000,000
X ANY AUTO BODILY INJURY (Per person) S
ALLOWNED SCHEDULED BODILY INJURY (Per accident) $
AUTOS AUTOS
X HIRED AUTOS X NON-OWNED PROPERTY DAMAGE It
AUTOS Per accitlent
B UMBRELLA LIAB J( OCCUR UH2900898603 3/01/2014 03/01/2015 EACH occuRRENCE $5,000,000
EXCESS LIAB CLAIMS-MADE AGGREGATE $5,000,000
DED X RETENTION $0 $
WORKERS COMPENSATION WC STATU OTH-
AND EMPLOYERS' LIABILITY
ANY PROPRIETOR/PARTNER/EXECUTIVE YIN E.L. EACH ACCIDENT $
OFFICER/MEMBER EXCLUDED? N/A
(Mandatory In NH) E.L. DISEASE EA EMPLOYEE $
Ii rS, tlescribe under
DESCRIPTION OF OPERATIONS below E.L. DISEASE POLICY LIMIT $
DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (Attach ACORD 101, Additional Remarks Schedule, It more space Is required)
The General Liability policy (per form 42100800103) includes a blanket automatic Additional Insured
endorsement that provides Additional Insured status to the The City of Ashland and Its elected officials,
officers and empioyees, only when there is a written contract that requires such status, and only with
regard to work performed on behalf of the named insured.
CERTIFICATE HOLDER CANCELLATION
City of Ashland SHOULD ANY OFTHE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
y THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN
Attn: Karl Olson ACCORDANCE WITH THE POLICY PROVISIONS.
_ 90 N. Mountain Avenue
Ashland, OR 97520 AUTHORIZED REPRESENTATIVE
®1988-201 D ACORD CORPORATION. All rights reserved.
ACORD 25 (2010/05) 1 oil The ACORD name and logo are registered marks of ACORD
#S11801671/AA11795203 RONZP
INSURED: Chown, Inc.
POLICY NUMBER: ZDF2904844003
POLICY TERM: 311/2014 - 3/1/2015
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
COMMERCIAL GENERAL LIABILITY SPECIAL BROADENING
ENDORSEMENT
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
SUMMARY OF COVERAGES
1. Additional Insured by Contract, Agreement or Permit Included
2. Additional Insured - Broad Form Vendors Included
3. Aggregate Limit per Location Included
4. Alienated Premises Included
5. Bodily Injury Redefined Included
6. Broad Form Property Damage - Borrowed Equipment, Customers Goods & Included
Use of Elevators
7. Extended Property Damage Included
8. Incidental Malpractice (Employed nurses, EMT's & paramedics) Included
9. Knowledge of Occurrence Included
10. Liberalization Clause Included
11. Medical Payments - Increased Limit $ 10,000
12. Mobile Equipment Redefined Included
13. Newly Acquired or Formed Organizations - Covered until end or policy period Included
14. Non-owned Watercraft 51 ft.
15. Personal Injury - Broad Form Included
16. Product Recall Expense
- Each Occurrence Limit $ 25,000
- Aggregate Limit $ 50,000
17. Property Damage Legal Liability (Fire, Lighting, Explosion, Smoke or Leakage Damage) $500,000
18. Supplementary Payments Increased Limits
- Bail Bonds $ 2,500
- Loss of Earnings $ 300
19. Unintentional Failure to Disclose Hazards Included
20. Unintentional Failure to Notify Included
This endorsement amends coverages provided under the Commercial General Liability Coverage Form through new
coverages, higher limits and broader coverage grants.
1. Additional Insured by Contract, Agreement or (2) Premises you own, rent, lease or occupy.
Permit This insurance applies on a primary basis if
Under Section II - Who Is An insured, Paragraph 5. that is required by the written contract, written
is added as follows: agreement or permit.
5. a. Any person or organization with whom you b. This provision does not apply:
agreed, because of a written contract, written
agreement or permit to provide insurance, is (1) Unless the written contract or written
an insured, but only with respect to: agreement has been executed or permit
has been issued prior to the "bodily injury",
(1) "Your work" for the additional insured(s) "property damage", "personal injury" or
at the location designated in the contract, "advertising injury".
agreement or permit; or
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
Copyright, Insurance Service Office, Inc. 1998
421-0080 (01/03) Page 1 of 6
(2) To any person or organization included as (4) Repackaging, unless unpacked solely for
an insured by an endorsement issued by the purpose of inspection, demonstration,
us and made part of this Coverage Part. testing, or the substitution of parts under
(3) To any person or organization included instruction from the manufacturer, and
as an insured under item 2 of this then repackaged in the original container;
endorsement. (5) Any failure to make such inspection, ad-
(4) To any lessor of equipment: justments, tests or servicing as the
vendor has agreed to make or normally
(a) After the equipment lease expires; or undertakes to make in the usual course
(b) If the "bodily injury", "property dam- of business in connection with the sale of
age", "personal injury" or "advertising the product;
injury" arises out of sole negligence (6) Demonstration, installation, servicing or
of the lessor. repair operations, except such operations
(5) To any: performed at the vendor's premises in
(a) Owners or other interests from whom connection with the sale of the product;
land has been leased which takes (7) Products which, after distribution or sale
place after the lease for the land ex- by you, have been labeled or relabeled or
pires; or used as a container, part or ingredient of
(b) Managers or lessors of premises if: any thing or substance by or for the
vendor.
(i) The occurrence takes place after
you cease to be a tenant in that c. This insurance does not apply to any insured
premises; or person or organization, from whom you have
acquired such products, or any ingredient,
(ii) The "bodily injury", "property part or container, entering into, accompany-
damage", "personal injury" or ing or containing such products.
advertising injury" arises out of
structural alterations, new con-
struction or demolition operations
performed by or on behalf of the (1) Under Section III - Limits of Insurance the
manager or lessor. General Aggregate Limit applies separately to
each of your "locations" owned by or rented to
2. Additional Insured - Broad Form Vendors you.
Under Section II - Who Is An Insured, Paragraph 6. (2) Under Section V - Definitions, definition 23. is
is added as follows: added as follows:
6. a. Any person or organization with whom you 22. "Location" means premises involving the
agreed, because of a written contract or same or connecting lots, or premises whose
written agreement to provide insurance, but connection is interrupted only by a street,
only with respect to "bodily injury" or "property roadway, waterway or right-of-way of a rail-
damage" arising out of "your products" which road.
are distributed or sold in the regular course of
.the vendor's business, subject to the 4. Alienated Premises
following additional exclusions: Under Section I - Coverage A, paragraph 2. Exclu-
b. The insurance afforded the vendor does not sions, j. (2) is replaced in its entirety with the
apply to: following:
(1) "Bodily injury" or "property damage" for (2) Premises you sell, give away or abandon, if the
which the vendor is obligated to pay dam- "property damage" arises out of any part of those
ages by reasons of the assumption of li- premises and occurred from hazards that were
ability in a contract or agreement. This known by you, or should have reasonably been
exclusion does not apply to liability for known by you, at the time the property was
damages that the insured would have in transferred or abandoned.
the absence of the contract or agreement;
(2) Any express warranty unauthorized by 5. Bodily Injury Redefined
you; Under Section V - Definitions, definition 3. "bodily
(3) Any physical or chemical change in the injury" is replaced in its entirety with the following:
product made intentionally by the vendor;
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
Copyright, Insurance Service Office, Inc. 1998
421-0080 (01/03) Page 2 of 6
3. "Bodily injury" means bodily injury, sickness or 9. Knowledge of Occurrence
disease sustained by a person. This includes Under Section IV - Commercial General Liability
mental anguish, mental injury, shock, fright or Conditions, Condition 2 - Duties in the Event of
death resulting from "bodily injury", sickness or Occurrence, Offense, Claim or Suit, paragraph e. is
disease. added as follows:
e. Notice of an "occurrence", offense, claim or "suit"
6. Broad Form Property Damage - Borrowed
will considered knowledge
Equipment, Customers Goods, Use of Elevators rt of the insured if
reported to an individual named insured, partner,
(1) Under Section I - Coverage A, paragraph 2. executive officer or an "employee" designated by
Exclusion j. is amended as follows: you to give us such a notice.
Paragraph (4) does not apply to "property dam-
age" to borrowed equipment while at a jobsite 10. Liberalization Clause
and not being used to perform operations. Under Section IV - Commercial General Liability
Paragraphs (3), (4) and (6) do not apply to Conditions, condition 10. is added as follows:
"property damage" to "customers goods" while on 10. Liberalization Clause
your premises nor do they apply to the use of
elevators at premises you own, rent, lease or If we adopt any revision that would broaden the
occupy. coverage. under this Coverage Form without
(2) Under Section V -Definitions, definition 24. is additional premium, within 45 days prior to or
added as follows: during the policy period, the broadened
coverage will immediately apply to this
23. "Customers goods" means property of your Coverage Part.
customer on your premises for the purpose of
being: 11. Medical Payments- Increased Limits
a. worked on; or (1) Under Section I - Coverage C, paragraph a.
b. used in your manufacturing process. (2) is replaced in its entirety by the following:
(3) The insurance afforded under this provision is (2) The expenses are incurred and reported to
excess over any other valid and collectible prop- us within three years of the date of the
erty insurance (including deductible) available to accident; and
the insured whether primary, excess, contingent (2) Under Section III - Limits of Insurance,
or on any other basis. paragraph 7. is replaced in its entirety by the
following:
7. Extended Property Damage 7. Subject to 5. above, the higher of:
Under Section I - Coverage A, paragraph 2.
Exclusions, Exclusion a. is replaced in its entirety a. $10,000; or
with the following: b. The amount shown in the Declarations
a. "Bodily injury" or "property damage" expected or for Medical Expense Limit is the most
we will pay under Coverage C for all
intended from the standpoint of the insured. This medical expenses because of "bodily
exclusion does not apply to "bodily injury" or injury" sustained by one person.
"property damage" resulting from the use of
reasonable force to protect persons or property. (3) This coverage does not apply if Coverage C -
Medical Payments is excluded either by the
8. Incidental Malpractice - Employed Nurses, EMT's provisions of the Coverage Part or by
and Paramedics endorsement.
Under Section II - Who Is An Insured, paragraph 12, Mobile Equipment Redefined
2.a.(1)(d) does not apply to a nurse, emergency
medical technician or paramedic employed by you if Under Section V - Definitions, definition 12,
you are not engaged in the business or occupation of Mobile Equipment, paragraph f.(1)(a)(b)(c) does
providing medical, paramedical, surgical, dental, x-ray not apply to self-propelled vehicles of less than
or nursing services. 1,000 pounds gross vehicle weight.
13. Newly Acquired Or Formed Organizations
Under Section II - Who Is An Insured, paragraph
4.a. is replaced in its entirety by the following:
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
Copyright, Insurance Service Office, Inc. 1998
421-0080 (01/03) Page 3 of 6
a. Coverage under this provision is afforded only repair, replacement, adjustment, removal
until the end of the policy period. or disposal of:
14. Non-Owned Watercraft (1) "Your product;
Under Section I - Coverage A, paragraph 2 (2) "Your work"; or
Exclusions, g.(2) is replaced in its entirety by the (3) "Impaired property";
following: if such product, work, or property is
(2) A watercraft you do not own that is: withdrawn or recalled from the market or
(a) Less than 51 feet long; and from use by any person or organization
because of a known or suspected defect,
(b) Not being used to carry persons or deficiency, inadequacy or dangerous
property for a charge; condition in it, but this exclusion does not
This provision applies to any person, who apply to "product recall expenses" that you
with your consent, either uses or is incur for the "covered recall" of "your
responsible for the use of a watercraft. product". The exception to the exclusion
does not apply to "Product recall expenses"
15. Personal Injury - Broad Form resulting from:
(1) Under Section I - Coverage B, paragraph 2.e. (1) Failure of any products to accomplish
is deleted in its entirety. . their intended purpose;
(2) Under Section V - Definitions, definition 14, (2) Breach of warranties of fitness, quality,
paragraph b. is replaced in its entirety by the durability or performance;
following: (3) Loss of customer approval, or any cost
b. Malicious prosecution or abuse of process. incurred to regain customer approval;
(3) Under Section V - Definitions, definition 14, (4) Redistribution or replacement of "your
paragraph h. is added as follows: product" which has been recalled by
It. Discrimination or humiliation (unless like products or substitutes;
insurance thereof is prohibited by law) that (5) Caprice or whim of the insured;
results in injury to the feelings or reputation (6) A condition likely to cause loss of which
of a natural person, but only if such any insured knew or had reason to
discrimination or humiliation is: know at the inception of this insurance;
(1) Not done intentionally by or at the (7) Asbestos, including loss, damage or
direction of: clean up resulting from . asbestos or
(a) The insured; asbestos containing materials;
(b) Any officer of the corporation, (8) Recall of 'your products' that have no
director, stockholder, partner or known or suspected defect solely
member of the insured; and because a known or suspected defect
in another of 'your products' has been
(2) Not directly or indirectly related to an found.
..employee", not to the employment, (2) Under Section II - Who Is An Insured,
prospective employment or termination
of any person or persons by an paragraph 4.d. is added as follows:
insured. d. Coverage A does not apply to "product
(4) This coverage does not apply if Coverage B - recall expense" arising out of any
Personal and Advertising Injury Liability is withdrawal or recall that occurred before
excluded either by the provisions of the you acquired or formed the organization.
Coverage Part of by endorsement. (3) Under Section III - Limits of Insurance,
paragraph 8. is added as follows:
16. Product Recall Expense 8. The Limits of Insurance and rules stated
(1) Under Section I - Coverage A, paragraph 2 below fix the most we will pay under this
Exclusions, n. is replaced in its entirety by the coverage part.
following: (1) The Aggregate Limit is the most we will
n. Recall of Products, Work or Impaired reimburse you for the sum of all 'product
Property recall expenses' incurred for all `product
Damages claimed for any loss, cost or recall expenses' initiated during the policy
expense incurred by you or others for the period.
loss of use, withdrawal, recall, inspection,
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
Copyright, Insurance Service Office, Inc. 1998
421-0080 (01/03) Page 4 of 6
(2) The Each Occurrence Limit shown in the such products are free from defects
Summary of Coverages Declaration is the that could be a cause of loss under this
most we will pay in connection with any one insurance.
defect or deficiency. (5) Under Section V - Definitions, the following
(a) All "product recall expenses" in definitions are added:
connection with substantially the same 25. "Covered recall," means a recall made
general harmful condition will be necessary because you or a government
deemed to arise out of the same defect body has determined that a known or
or deficiency and considered one suspected defect, deficiency, inadequacy,
occurrence. or dangerous condition in "your product"
(b) Any amount reimbursed for "product has resulted or will result in "bodily injury"
recall expenses" in connection with any or "property damage".
one occurrence will reduce the amount 26. "Product recall expense" means:
of the Aggregate Limit available for a. Necessary and reasonable expenses
reimbursement of "product recall for:
expenses" in connection with any other
defect or deficiency. (1) Communications, including radio or
television announcements or
(c) If the Aggregate Limit has been printed advertisements including
reduced by reimbursement of "product stationery, envelopes and postage;
recall expenses" to an amount that is (2) Shipping the recalled products
less than the Each Occurrence Limit, . from any purchaser, distributor or
the remaining Aggregate Limit is the user to the place or places
most that will be available for designated by you;
reimbursement of "product recall
expenses" in connection with any other (3) Remuneration paid to your regular
defect or deficiency. '.employees" for necessary over-
The Limits of Insurance of Product Recall time;
Expense apply separately to each (4) Hiring additional persons, other
consecutive annual period and to any than your regular "employees";
remaining period of less than 12 months, (5) Expenses incurred by "employees"
starting with the beginning of the policy including transportation and ac-
period shown in the Declarations, unless commodations;
the policy period is extended after issuance (6) Expenses to rent additional ware-
for an additional period of less than 12 house or storage space;
months. In that case, the additional period
will be deemed part of the last preceding (7) Disposal of "your product", but only
period for the purposes of determining the to the extent that specific methods
Limits of Insurance. of destruction other than those
(3) A Deductible of $500 applies for Each employed for trash discarding or
Occurrence. disposal are required to avoid
"bodily injury" or "property damage"
(4) Under Section IV - Commercial General as a result of such disposal;
Liability Conditions, Condition 2 - Duties in You incur exclusively for the purpose of
the Event of Occurrence, Offense, Claim or recalling "your product"; and
Suit, paragraph f. is added as follows:
b. Your lost profit resulting from such
f. You must see to it that the following are "covered recall".
done in the event of an actual or
anticipated "covered recall" that may result
in "product recall expense": 17. Property Damage Legal Liability (Fire,
(1) Give us prompt notice of any discovery Lightning, Explosion, Smoke or Leakage from or notification that "your product" must Fire Protective Systems Damage)
be withdrawn or recalled. Include a (1) The word fire is changed to fire, lightning,
description of "your product" and the explosion, smoke and leakage from fire pro-
reason for the withdrawal or recall; tective systems where it appears in the Limits
of Insurance section of the Declarations for the
(2) Cease any further release, shipment, Commercial General Liability Coverage Part.
consignment or any other method of
distribution of like or similar products
until it has been determined that all
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
Copyright, Insurance Service Office, Inc. 1998
421-0080 (01/03) Page 5 of 6
(2) Under Section I - Coverage A, the last para- 18. Supplementary Payments Increased Limits
graph (after the exclusions) is replaced in its Under Section I - Supplementary Payments,
entirety by the following: Coverages A and B, paragraphs 1.b. and 1.d. are
Exclusions c. through n. do not apply to dam- replaced in their entirety as follows:
age by fire, lightning, explosion, smoke or leak- 1.b. Up to $2,500 for cost of bail bonds required
age from fire protective systems to premises because of accidents or traffic law violations
while rented to you or temporarily occupied by arising out of the use of any vehicle to which
you with the permission of the owner. A sepa- the Bodily Injury Liability Coverage applies.
rate limit of insurance applies to this coverage We do not have to furnish these bonds.
as described in LIMITS OF INSURANCE (SEC-
TION III). This limit will apply to all damage 1.d. All reasonable expenses incurred by the
proximately caused by the same event, whether insured at our request to assist us in the
such damage results from fire, lightning, ex- investigation or defense of the claim or "suit",
plosion, smoke or leakage from fire protective including actual loss of earnings up to $300 a
systems or any combination of the five. day because of time off from work.
(3) Under Section III - Limits Of Insurance, para-
graph 6. is replaced in its entirety by the follow- 19. Unintentional Failure to Disclose Hazards
ing: Under Section IV - Commercial General Liability
6. Subject to 5. above, the higher of: Conditions, Condition 6. - Representations,
a. $500,000; or paragraph d. is added as follows:
b. The Fire, Lightning, Explosion, Smoke d. We will not disclaim coverage under this
Leakage from Fire Protective Sys- Coverage Part if you fail to disclose all hazards
or tems Damage Limit shown the Dec- existing as of the inception date of the policy
provided such failure is not intentional.
larations is the most we will pay under
Coverage A for damages because of
"property damage" from fire, lightning, 20. Unintentional Failure to Notify
explosion, smoke and leakage from fire Under Section IV - Commercial General Liability
protective systems to premises, while Conditions, Condition 2. - Duties in the Event of
rented to you or temporarily occupied Occurrence, Offense, Claim or Suit, paragraph g.
by you with permission of the owner. is added as follows:
(4) Under Section IV - Commercial General f. Your rights afforded under this policy shall not
Liability Conditions, Condition 4. Other be prejudiced if you fail to give us notice of an
Insurance, paragraph b.(2) is replaced by the "occurrence", offense, claim or "suit", solely due
following: to your reasonable and documented belief that
b.(2) That is fire, lightning, explosion, smoke the "bodily injury" or "property damage" is not
or leakage from fire protective systems covered under this policy.
insurance for premises rented to you or
temporarily occupied by you with per-
mission of the owner; or
(5) Under Section V - Definitions, definition 9.
"Insured contract", a. is replaced in its entirety
by the following:
a. A contract for a lease of premises. How-
ever, that portion of the contract for a lease
of premises that indemnifies any person or
organization for damage by fire, lightning,
explosion, smoke or leakage from fire pro-
tective systems to premises while rented to
you or temporarily occupied by you with
permission of the owner is not an "insured
contract".
(6) This coverage does not apply if Fire Damage
Legal Liability of Coverage A is excluded either
by the provisions of the Coverage Part or by
endorsement.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
Copyright, Insurance Service Office, Inc. 1998
421-0080 (01/03) Page 6 of 6