Terms and Conditions of Use

AGREEMENT BETWEEN USER AND THE D. FRANCIS MURPHY INSURANCE AGENCY, INC.

The website of D. Francis Murphy Insurance Agency, Inc., a Massachusetts corporation (the “Agency,” “we,” “us,” or “our”), is comprised of various Web pages (collectively, this “Website”) operated by the Murphy Insurance Agency. These terms and conditions are a legal agreement (this “Agreement”) between you and the Agency.

This Website is offered to you conditioned on your acceptance, without modification, of the terms, conditions, and notices contained in this Agreement. In addition, when using this Website, you will be subject to any and all posted policies, guidelines, and/or rules, applicable to use of this Website, including, without limitation, our Privacy Policy, which may be found at https://www.dfmurphy.com/PrivacyPolicy. All such policies, guidelines, and rules, are hereby incorporated by reference into this Agreement. The information and materials contained on this Website, including without limitation, service and product descriptions, are subject to periodic change, with or without notice to you. By accessing, visiting, browsing, using, or attempting to interacting with or use any part of this Website, you represent and warrant that you have read and understand these terms, conditions, and notices, and agree to comply with and be bound by this Agreement.

PLEASE REVIEW THIS AGREEMENT CAREFULLY. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS SET FORTH IN THIS AGREEMENT, THEN YOU MAY NOT USE THIS WEBSITE.

1. MODIFICATION OF THIS AGREEMENT

We reserve the right to change the terms, conditions, and notices, under which this Website is offered, including, without limitation, any charges associated with the use of this Website, at any time and without prior notice. Any such modifications will be effective immediately. YOUR CONTINUED USE OF ANY PART OF THIS WEBSITE WILL CONSTITUTE YOUR ACCEPTANCE OF SUCH CHANGES TO THIS AGREEMENT. You should review this Agreement periodically to determine if any changes have been made. You can view the most recent version of this Agreement at any time at , which will supersede all previous versions. Each use by you shall constitute and be deemed your unconditional acceptance of this Agreement.

2. PRODUCTS AND SERVICES

In various locations throughout this Website, we provide information about various policies, insurance terminology, and product information. Any and all information on this Website is intended for illustrative purposes only as a general description of the available coverages, and may not be construed as a statement of contract or legally binding. All coverages are subject to all policy provisions and applicable endorsements. Some coverage may be subject to individual insureds meeting underwriting qualifications and to availability within a state. Not all products and services described on this Website may be available in all states, or may vary in certain states from descriptions found on this Website. Please contact an Agency representative if you have questions. Representatives of the Agency are collectively licensed to sell insurance in Massachusetts, Connecticut, Maine, New Hampshire, Rhode Island, and Vermont, in addition to other states. Information on this Website is NOT intended, and may NOT be interpreted, as a solicitation or offer to sell insurance products in any jurisdiction in which the Agency is not properly licensed.

3. LINKS TO THIRD-PARTY SITES

This Website may contain links to other websites (“Linked Sites”). The Linked Sites are not under the Agency’s control, and we are not responsible for the contents of any Linked Site, including, without limitation, any link contained in a Linked Site, or any changes or updates to a Linked Site. We are also not responsible for webcasting or any other form of transmission received from any Linked Site. The Agency is providing these links to you only as a convenience, and the inclusion of any link does not imply our endorsement of any Linked Site or any association with its operators. The Agency makes no representations or warranties regarding the products, services, legality, propriety, or contents of Linked Sites. While we may provide links to pages maintained by insurance companies we represent, the Agency accepts no liability for the content of such Linked Sites or for any direct communication you may receive from representatives of these companies as a result of visits to such Linked Sites. Accordingly, the Agency disclaims any and all liability for any information, material, products, or services offered by Linked Sites.

4. NO UNLAWFUL OR PROHIBITED USE

The Agency grants you a limited, revocable, nonexclusive license to use this Website solely for your own personal use, and not for republication, distribution, assignment, sublicense, sale, preparation of derivative works, or any other use. You may not copy materials on this Website, reverse engineer, or break into this Website. As a condition of your use of this Website, you warrant to the Agency that you will not use this Website for any purpose that is unlawful or prohibited by this Agreement and will comply with all applicable laws regarding your use of this Website. You may not use this Website in any manner that could damage, disable, overburden, or impair this Website, or interfere with any other party’s use or enjoyment of this Website. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through this Website.

This Website includes a client portal, the use of which requires creating an individual account. If you choose to use the client portal, then you are responsible for any activities that take place under your account. You will be responsible for the security of your username and password, and any passwords are for your individual use only. From time to time, we may require that you change your password. If you become aware of any unauthorized use of your password or account, or any other breach of security, please contact us immediately. It is up to you to maintain the confidentiality of your password and account. The Agency is not responsible or liable for any loss or damage arising from your failure to comply with the provisions of this Agreement.

You are prohibited from using any services or facilities provided in connection with this Website to compromise its security or tamper with any of its systems, resources, and/or accounts. The use or distribution of tools designed for compromising security (e.g., password crackers, rootkits, Trojan horses, or network-probing tools) is strictly prohibited. If you become involved in any violation of system security, we reserve the right to release your account details to system administrators at other websites and/or the authorities in order to assist them in resolving security incidents. We reserve the right to investigate suspected violations of this Agreement and reserve the right to fully cooperate with any law-enforcement authorities or court orders requesting or directing us to disclose the identity of anyone posting any e-mail messages, or publishing or otherwise making available any materials that are believed to violate this Agreement.

5. USE OF COMMUNICATION SERVICES

This Website may contain blogs, bulletin-board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, “Communication Services”). You agree to use the Communication Services only to post, send, and receive messages and material, which are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not do any of the following:

Defame, abuse, harass, stalk, threaten, or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
Publish, post, upload, distribute, or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent, or unlawful topic, name, material, or information.
Upload files that contain software or other material protected by intellectual-property laws (or by rights of privacy of publicity), unless you own or control the rights thereto or have received all necessary consents.
Upload files that contain viruses, corrupted files, or any other similar software or programs, which may damage the operation of another’s computer.
Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages.
Conduct or forward surveys, contests, pyramid schemes, or chain letters.
Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.
Falsify or delete any author attributions, legal or other proper notices, or proprietary designations or labels of the origin or source of software or other material, contained in a file that is uploaded.
Restrict or inhibit any other user from using and/or enjoying the Communication Services.
Violate any code of conduct or other guidelines, which may be applicable for any particular Communication Service.
Harvest or otherwise collect information about others, including, without limitation, e-mail addresses, without their consent.
Violate any applicable laws or regulations.

The Agency has no obligation to monitor the Communication Services. We reserve the right, however, to monitor and review materials posted to a Communication Service, and to remove any materials, at our sole discretion. Notwithstanding the foregoing, you remain solely responsible for your use of any information contained on this Website. We reserve the right to revoke your right to access any or all of the Communication Services at any time, without notice, for any reason whatsoever.

We reserve the right, at all times, (i) to disclose any information as we may deem necessary to satisfy any applicable law, regulation, legal process, or governmental request, to enforce any contracts or agreements, to protect the rights, property, or safety of our users and customers, for purposes of fraud protection, or for other legitimate business reasons, and (ii) to edit, refuse to post, or remove any information or materials, in whole or in part; in our sole discretion.

Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. The Agency does not control or endorse the content, messages, or information, found in any Communication Service, and, therefore, we specifically disclaim any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized spokespersons of the Agency, and their views do not necessarily reflect those of the Agency.

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction, and/or dissemination. You are responsible for adhering to such limitations if you download such materials.

6. MATERIALS PROVIDED TO THE MURPHY INSURANCE AGENCY OR POSTED TO THE MURPHY INSURANCE AGENCY WEBSITE

The Agency does not claim ownership of the materials you provide to us (including feedback and suggestions), or post, upload, input, or submit to this Website or its associated services (collectively “Submissions”). By posting, uploading, inputting, providing, or submitting your Submission, however, you are granting the Agency and its affiliated companies and necessary sublicensees, permission to use your Submission in connection with the operation of our and their businesses, including, without limitation, the rights to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate, and reformat your Submission; and to publish your name (if provided) in connection with your Submission.

No compensation will be paid with respect to the use of your Submission as provided herein. The Agency is under no obligation to post or use any Submission you may provide, and we may remove any Submission at any time in our sole discretion.

By posting, uploading, inputting, providing, or submitting your Submission, you represent and warrant that you own or otherwise control all of the rights to your Submission as described in this Section 6, including, without limitation, all the rights necessary for you to provide, post, upload, input, or submit the Submissions.

While Agency has taken a variety of steps to ensure the safety of information you provide through this Website, we cannot guarantee that information entered by you will not be intercepted, misappropriated, or used by others. Should this occur, you agree not to hold the Agency liable for any loss or damage resulting from any such compromise of information provided via this Website.

7. LIABILITY DISCLAIMER

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THIS WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. THE AGENCY AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THIS WEBSITE AT ANY TIME. OPINIONS, ADVICE, STATEMENTS, OR COMMENTS, RECEIVED VIA THIS WEBSITE, SHOULD NOT BE CONSTRUED AS PROFESSIONAL ADVICE FROM THE AGENCY OR RELIED UPON FOR PERSONAL, MEDICAL, LEGAL, OR FINANCIAL DECISIONS, AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.

THE USE OF THIS WEBSITE IS AT YOUR SOLE RISK. THE AGENCY AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, ACCURACY, OR COMPLETENESS, OF THIS WEBSITE OR THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES, or RELATED GRAPHICS, CONTAINED ON THIS WEBSITE, FOR ANY PURPOSE, INCLUDING WITHOUT LIMITATION THAT THEY WILL ALWAYS BE AVAILABLE, BE UNINTERRUPTED, BE ERROR-FREE, BE TIMELY, BE SECURE, BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, MEET YOUR REQUIREMENTS OR EXPECTATIONS, OR THAT ANY DEFECTS THEREIN WILL BE CORRECTED. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THIS WEBSITE AND ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS, ARE PROVIDED “AS IS” AND ON AN “AS AVAILABLE” BASIS, WITHOUT REPRESENTATION, WARRANTY, OR CONDITION, OF ANY KIND. THE Agency AND/OR ITS SUPPLIERS HEREBY EXPRESSLY DISCLAIM ALL WARRANTIES (WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE) AND CONDITIONS WITH REGARD TO THIS WEBSITE AND SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS, INCLUDING, WITHOUT LIMITATION, OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. BY ACCESSING, VISITING, BROWSING, USING, OR ATTEMPTING TO INTERACT WITH OR USE ANY PART OF THIS WEBSITE, YOU ASSUME THE ENTIRE COST OF ANY AND ALL NECESSARY SERVICING, REPAIR, OR CORRECTION, IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS WEBSITE, ANY SERVICE, OR ITS CONTENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL THE AGENCY AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, STATUTORY, OR EXEMPLARY DAMAGES, INCLUDING, WITHOUT LIMITATION, FOR LOSS OF USE, TIME, DATA, INCOME, REVENUE, OR PROFITS, LITIGATION, PAIN AND SUFFERING, INJURY, EMOTIONAL OR OTHER DISTRESS, DISCOMFORT, PHYSICAL OR OTHER DAMAGE, INCONVENIENCE, LOST BUSINESS OPPORTUNITIES, DAMAGE TO GOODWILL OR REPUTATION, OR COSTS OF COVER, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THIS WEBSITE, WITH THE DELAY OR INABILITY TO USE THIS WEBSITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES, OR RELATED GRAPHICS, OBTAINED THROUGH THIS WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEBSITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, AND EVEN IF THE AGENCY OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES, SUCH DAMAGES COULD HAVE BEEN REASONABLY FORESEEN, or THE AGENCY OR ANY OF ITS SUPPLIERS WAS NEGLIGENT OR GROSSLY NEGLIGENT. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU; IN SUCH JURISDICTIONS, SUCH LIABILITY WILL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW. YOUR SOLE AND EXCLUSIVE REMEDY RELATING TO YOUR USE OF THIS WEBSITE OR THIS AGREEMENT (INCLUDING, WITHOUT LIMITATION, FROM DISSATISFACTION WITH ANY PORTION OF THIS WEBSITE, OR THIS AGREEMENT), IS TO DISCONTINUE USING THIS WEBSITE. BY ACCESSING, VISITING, BROWSING, USING, OR ATTEMPTING TO INTERACT WITH OR USE ANY PART OF THIS WEBSITE, YOU ARE AGREEING THAT, REGARDLESS OF ANY STATUTE OR LAW TO THE CONTRARY, ANY CLAIM OR CAUSE OF ACTION, ARISING OUT OF OR RELATED TO USE OF THIS WEBSITE OR THIS AGREEMENT, MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE, OR ELSE BE FOREVER BARRED.

8. REVOCATION/ACCESS RESTRICTION

The Agency reserves the right, in our sole discretion, to revoke your right to access this Website and the related services or any portion thereof, at any time, for any reason whatsoever, without notice.

9. GENERAL

To the maximum extent permitted by applicable law, this Agreement and all matters with respect to, arising under, or relating to, this Agreement or this Website, including, without limitation, torts, statutory claims, and other non-contractual claims, are to be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts (including, without limitation, in regards to this Agreement’s validity, interpretation, construction, performance, and enforcement), without giving effect to any choice- or conflict-of-law, provision or rule (whether of the Commonwealth of Massachusetts or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the Commonwealth of Massachusetts. Any dispute or claim with respect to, arising under, or relating to, this Agreement or this Website, will be brought and determined exclusively in the state or federal courts sitting in Boston, Massachusetts. You and the Agency hereby irrevocably submit, generally and unconditionally, to the personal jurisdiction of the aforesaid courts, and agree not to bring any dispute or claim with respect to, arising under, or relating to this Agreement this Website, in any court other than the aforesaid courts. You and the Agency hereby irrevocably waive, and agree not to assert, by way of motion, as a defense, counterclaim, or otherwise, in any dispute or claim, that (i) we are not personally subject to the jurisdiction of the above-named courts for any reason; (ii) we or our property is exempt or immune from jurisdiction of any such court or from any legal process commenced in such courts; and (iii) to the fullest extent permitted by applicable law, (A) the dispute or claim in such court is brought in an inconvenient forum, (B) the venue of such dispute or claim is improper, or (C) the subject matter of such dispute or claim may not be enforced in or by such courts.

YOU AND THE AGENCY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVE, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY RIGHT TO A TRIAL BY JURY IN RESPECT OF ANY PROCEEDING, DIRECTLY OR INDIRECTLY ARISING OUT OF, UNDER, RELATING TO, OR IN CONNECTION WITH, THIS AGREEMENT AND/OR THIS WEBSITE. YOU AND THE AGENCY CERTIFY THAT (I) NO REPRESENTATIVE OF THE OTHER HAS REPRESENTED, EXPRESSLY OR OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT, IN THE EVENT OF ANY PROCEEDING, SEEK TO ENFORCE THE FOREGOING WAIVER; (II) EACH UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER; (III) EACH MAKES THIS WAIVER VOLUNTARILY; AND (IV) EACH HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS SECTION 9.

Use of this Website is unauthorized in any jurisdiction that does not give effect to all provisions of this Agreement, including, without limitation, this Section 9. Nothing contained in this Agreement or your use of this Website may be construed to constitute either you or the Agency as a partner, joint venturer, employee, or agent, of the other, and neither you nor the Murphy Insurance Agency shall hold itself out as such. Neither you, nor the Agency, has any right or authority to incur, assume, or create, in writing or otherwise, any warranty, liability, or other obligation, of any kind, express or implied, in the name of or on behalf of the other, as a result of this Agreement, it being intended by both you and the Agency that each will remain independent contractors responsible for its own actions. The Agency’s performance of this Agreement is subject to existing laws and legal process, and nothing contained in this Agreement is in derogation of the Agency’s right to comply with governmental, court, and/or law-enforcement requests or requirements, relating to your use of this Website or information provided to or gathered by us with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, without limitation, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. This Agreement (including the policies, guidelines, and rules, referred to herein) constitutes the entire, final, and exclusive agreement between you and the Agency regarding the subject matter of this Agreement. All earlier and contemporaneous agreements, draft documents, understandings, negotiations, correspondence, conversations, representations, and warranties, between you and the Agency, whether written or oral, related to the subject matter of this Agreement, are expressly merged into and superseded by this Agreement. A printed version of this Agreement and of any notice given in electronic form will be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish of the parties hereto that this Agreement and all related documents be drawn up in English. No failure or delay, in exercising any right, power, remedy, or privilege, hereunder, impairs, prejudices, or constitutes, operates, or can be deemed as a waiver of, any such right, power, remedy, or privilege, and no single or partial exercise of any right, power, remedy, or privilege hereunder precludes any other or further exercise of such right, power, remedy, or privilege, or of any other right, power, remedy, or privilege, Except as expressly provided herein to the contrary, the rights, powers, remedies, and privileges hereunder are cumulative, and non-exclusive of any other right, power, remedy, or privilege, at law or in equity. Any waiver of any provision of this Agreement by the Agency must be in writing and signed by an authorized representative of the Agency.

By accessing, visiting, browsing, using, or attempting to interacting with or use any part of this Website, you agree to indemnify, defend, and hold harmless the Agency, its subsidiaries and affiliates, their respective successors and assigns, and the officers, directors, partners, managers, members, shareholders, employees, contractors, agents, licensors, licensees, service providers, web-hosting services, insurers, and other related third parties, of each of the foregoing, for any losses, damages, costs, liabilities, judgments, and expenses (including, without limitation, attorneys’ fees, court costs, legal fees, awards, and settlements) relating to or arising out of your use of this Website or any information contained on this Website, including, without limitation, any breach by you of the terms or conditions contained in this Agreement, and from any claims resulting from any action taken by the Agency during or as a result of investigations and/or from any actions taken as a consequence of investigations by the Agency or law-enforcement or other authorities.

10. COPYRIGHT AND TRADEMARK NOTICES

This Website, all contents thereof, and the trademarks, service marks, logos, and copyrights used on this Website, are owned by the Agency and/or its suppliers, who will retain all rights thereto. “Murphy Insurance Agency”, “D. Francis Murphy Insurance Agency,” and our block logo, are service marks of the D. Francis Murphy Insurance Agency, Inc. COPYRIGHT © D. FRANCIS MURPHY INSURANCE AGENCY, INC. 2024. ALL RIGHTS RESERVED. No rights or title to anything on this Website is being transferred or assigned to you. Except for any information that is in the public domain, you are not authorized to reproduce, transmit, or distribute, any information on this Website.

11. TRADEMARKS

The names of actual companies and products mentioned herein may be the trademarks of their respective owners.

The example companies, organizations, products, people, and events, depicted on this Website are fictitious. No association with any real company, organization, product, person, or event, is intended or should be inferred.

Any rights not expressly granted herein are reserved.

12. NOTICES AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT

Pursuant to Title 17 of the United States Code, Section 512(c)(2), notifications of claimed copyright infringement under United States copyright law should be sent to our Copyright Agent. Our Copyright Agent may be reached as follows:

Contact Name: Wayne Texeira
Business Name: D. Francis Murphy Insurance Agency
Phone Number: 800-222-8711
E-mail Address: wtexeira@dfmurphy.com

All such notifications must include the following:

(a) An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual-property interest.

(b) A description of the copyrighted work that claimed to be infringed.

(d) Your address, telephone number, and e-mail address.

(e) A statement by you that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law.

(f) A statement by you, made under penalty of perjury, that the above information in your notice is accurate, and that you are the copyright owner or authorized to act on the copyright owner’s behalf.

ALL INQUIRIES NOT IN COMPLIANCE WITH THE FOREGOING PROCEDURE WILL RECEIVE NO RESPONSE.

13. SERVICE CONTACT: webmaster@dfmurphy.com