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Presented by School Pool for Excess Liability Limits Joint Insurance Fund ACCASBO JIF • BCIP JIF • GCSSD JIF • SEJIF

www.spelljif.com

SPELL JIF Presents

“Mold and Indoor Air Quality in Our Schools”

4th Annual Environmental Management Seminar

JULY 20, 2016 8:00 a.m. Registration & Breakfast

Indian Springs Country Club 115 S. Elmwood Road, Marlton, NJ 08053

Intended for Business Administrators, Buildings & Ground Supervisors, other key facilities personnel and Nurses By attending this seminar, your District will receive extra credit on your 2016‐17 Safety Incentive Program

Join us for a buffet lunch after the program

SPEAKERS TOPIC TIME

Registration & Breakfast 8:00 a.m. ‐ 9:00 a.m.

Mr. Craig Wilkie Deputy Executive Director, SPELL, ACCASBO, BCIP & GCSSD JIFs

Area VP, Arthur J. Gallagher & Co.

Welcome & Introduction 9:00 a.m. – 9:05 a.m.

Mr. John Geitz Safety Director, SPELL JIF

Risk Assessment Services, LLC

Mr. Craig Wilkie Deputy Executive Director, SPELL, ACCASBO, BCIP & GCSSD JIFs

Area VP, Arthur J. Gallagher & Co.

I. Practical Mold and IAQ Complaint Management Process

a. Golden Rule – Take all complaints seriously

b. Identify the Complaint Team at each step

c. Custodial Staff – On the Front Lines

d. First Responders – Facility Supervisors

e. Know when and how to engage Professionals

f. Follow the process

9:05 a.m. – 9:20 a.m.

Dr. Elissa Ann Favata, FACP, FACOEM Environmental & Occupational

Health Associates, PA

II. Environmental Health Issues 9:20 a.m. – 10:15 a.m.

Break 10:15 a.m. – 10:25 a.m.

Mrs. Lynn Shugars School Business Administrator Cherry Hill Public Schools

Formerly; School Business Administrator, Moorestown Township Public Schools

Mr. Gregory W. McCarty Supervisor of Buildings & Grounds, Moorestown Township

Public Schools

Mr. Tom Vaccara, CIEC Quality Air Specialists

III. A Real Claim – The 18 Month Journey

a. Timeline

b. Key elements

c. Takeaways

10:25 a.m. – 11:25 a.m.

Mr. Carl Varteresian Sr. Account Executive, Environmental Specialist

Arthur J. Gallagher & Co.

Mr. Nathaniel Martin Environmental

Beazley

IV. Beazley Environmental Policy 11:25 a.m. – 11:40 a.m.

Q&A 11:40 a.m. – Noon

http://www.spelljif.com/


www.spelljif.com

For more information, contact: Mr. Craig Wilkie at [email protected] or T: (856) 446-9128

SPELL JIF Presents



July 20, 2016

Welcome & Introduction

Mr. Craig Wilkie Deputy Executive Director SPELL, ACCASBO, BCIP and GCSSD JIFs Area Vice President, Arthur J. Gallagher & Co. [email protected]

Notes



www.spelljif.com


SPELL JIF Presents



July 20, 2016

Practical Mold & IAQ Complaint Management Process

Mr. John Geitz Safety Director SPELL, ACCASBO, BCIP and GCSSD JIFs Risk Assessment Services, LLC [email protected]

Mr. Craig Wilkie Deputy Executive Director SPELL, ACCASBO, BCIP and GCSSD JIFs Area Vice President, Arthur J. Gallagher & Co. [email protected]

Notes



www.spelljif.com


SPELL JIF Presents



July 20, 2016

Environmental Health Issues

Dr. Elissa Ann Favata, FACP, FACOEM Environmental & Occupational Health Associates, PA [email protected]

Notes



www.spelljif.com

For more information, contact: Mr. Craig Wilkie at [email protected] or T: (856) 446‐9128

SPELL JIF Presents



July 20, 2016

ARealClaim–The18MonthJourney

Mrs.LynnShugarsSchoolBusinessAdministratorCherryHillPublicSchoolsFormerly;SchoolBusinessAdministrator,[email protected]

Mr.GregoryMcCartySupervisorofBuildingsandGroundsMoorestownTownshipPublicSchoolsgmccarty@mtps.com

Mr.TomVaccara,[email protected]

Mr.ScottTennantDeputyExecutiveDirectorSPELL,ACCASBO,BCIPandGCSSDJIFsAreaVicePresident,ArthurJ.Gallagher&[email protected]

Notes


Moorestown Township School District Original Work Order Initiating Mold Discovery

Moorestown Township School District

Mold Timeline – The 18 Month Journey

Presented at the 4th Annual Environmental Management Seminar, July 20, 2016

SOUTH VALLEY ELEMENTARY SCHOOL

October 17, 2013: South Valley Work Order 38638 – Report of Urine smell in wooden cabinet. Found mold

under the shelving in built in wall cabinet.

October 21, 2013: Physical inspection conducted with moisture meters and digital hydrometer‐sling

Pyschrometers. Visible mold noted on 4 of the 8 built in wall cabinets. Further inspection found visible mold

under stage and sink cabinet in staff lounge. Schedule a full inspection with air sampling

October 21, 2013: B Wing Mold Assessment IAQ performed by Quality Air Specialists

October 23, 2013: Written report from Quality Air Specialists, Inc. outlines the procedure and findings

regarding the October 21, 2013 inspection. Good color pictures for explanation.

“Visible mold and water damage were identified in two wings of the school building on October 21, 2013. A

mold assessment was conducted that day by Quality Air Specialist which included recommendations for

remediation. Additional inspection of the building October 26 and 27 identified more potentially affected

areas. A second assessment confirmed the presence of mold in other location within the building and called

for additional remedial activities.” (AIG letter of March 5, 2014)

Request for Information:

‐ CIH certification of the written recommendations for remediation from Quality Air Specialists;

‐ A copy of all invoices (or Scope of Work and estimated costs for work not yet completed and

invoiced);

‐ A copy of the final CIH inspection clearing the remediated areas for use.

The cleaning of the school began from the Teacher’s Convention until first weekend in January, seven days a

week. The way the school is laid out we were able to close off sections at a time a relocate the students and

staff.

October 26, 2013: An inspection of the entire building. Visible mold found in multiple rooms throughout the

building. There was also evidence of prior water damage due to roof leaks and plumbing leaks since the

building was built. Loose furniture also found to have mold. Loose furniture, mainly furniture with press

board type construction circa 1970’s or earlier and mold found under the tables. Another source for the mold

was found to be the crawl space was full of water. The water was naturally occurring due being built on

wetlands.

October 26, 2013: A, C, D Wings Mold Assessment IAQ performed by Quality Air Specialists




November 4, 2013: A follow up inspection was performed in the crawl space. Mold was visible and an

inspection of a suspected sewer gas smell. PID alarmed and measured VOC’s at 1,210ppm. Due to the

unknown safety concerns it was determined to evacuate the crawl space and abandon the inspection.

November 4, 2013: Crawlspace Assessment IAQ performed by Quality Air Specialists

November 15, 2013: Meeting and walk thru with AIG Insurance Claims Adjuster and JIF Administrator’s Scott

Tennant and Bob Oldt about the Mold Claim.

November 8, 2013: PRV* B Wing IAQ performed by Quality Air Specialists

November 25, 2013: PRV CD Wings IAQ performed by Quality Air Specialists

December 28, 2013: PRV A Wing and Stage IAQ performed by Quality Air Specialists

February 24, 2014: Art Room Closet IAQ performed by Quality Air Specialists

March 17, 2014: (AIG letter regarding claim of $259, 414.54)

Invoice totaling $259,414.54 was reduced by $47,177.36 of items that either needed further clarification or

that was denied because it was not mold related. (Examples of items not paid for; Inspection of crawlspace

and water sample analysis, items replaced due to water damage or structural damage – not due to mold)

Deductible is $25,000, so payment was recommended in the amount of $187,237.18.

April 18, 2014: IAQ Surveys at all Elementary Schools

June 26, 2014: (AIG email)

AIG confirms reimbursement of $41,081.34. $12,916.76 was for school supplies that had to be discarded and

replaced. These items either could not be cleaned effectively or was not cost effective to clean. $28,164.58

was for remediation work in the stage and storage areas done during winter recess.

July 1, 2014: Cabinetry Tear‐Out and Mold Assessment performed by Quality Air

Specialists

March 12, 2015: Crawlspace Assessment South Valley Elementary

*PRV – Post Remediation Verification




During multiple meetings with Quality Air, Administration and contractors, the district would remediate in 3

phases. The building was divided in to 3 sections and remediation was completed over teacher convention,

Thanksgiving break and winter break. In each phase of remediation the area was secured, all items deemed

not salvageable was discarded and all other items, walls, doors, etc. were cleaned. All HVAC duct work was

professionally cleaned as well as selected univents. Before any area could be reoccupied mold sampling was

conducted. During each phase, staff and students were moved to other areas in the building.

The district in consultation with Quality Air Specialists along with reviewing QSAC, Fire Code, Environmental

best practices , Safety and Energy best practices, started to implement the following




LESSONS LEARNED

Developed classroom guidelines targeting items that could promote mold growth such as:

‐ Limit classroom throw rugs

‐ Eliminate stuffed animals

‐ Eliminate all wicker items (chairs, baskets, etc.)

‐ Eliminate tennis balls on chair feet

‐ Limit decorations

‐ Limit house plants to educational purposes only

‐ Eliminate all personal furniture (rocking chairs, shelving, microwaves, refrigerators, etc.)

‐ Use of dehumidifiers were in limited use prior. All rooms currently use them

Replaced all furniture that deemed susceptible to mold, those with porous surfaces

Strive to have all new furniture as portable as possible. Cubbies, book shelves and wardrobe closets

on wheels. No stationary furniture and no furniture to be permanently attached. All furniture comes

out for summer cleaning. Room and furniture can be completely cleaned and inspected for mold

Planned and budgeted for the above items by requesting to keep insurance claim open until all built in

suspected furniture was removed in summer of 2014. Mold was found behind the old built in cabinets

and new cabinets were purchased through insurance. Budget for further remediation through a

referendum the following year including drainage installation around the perimeter of the building.

Completed summer of 2015.




FINANCIAL NOTABLES

Environmental Testing ‐ over $25,000

Remediation Costs ‐ $160,000

HVAC Duct Cleaning ‐ $12,190

Overtime, dumpsters and maintenance materials ‐ $25,923

Classroom supplies – Over $90,000

Replacement Furniture ‐ Over $82,193

Drainage project around building ‐ $423,640

Total Costs: $818,946

Insurance Claim Recovery: $141,330

Total Paid by District: $677,616

Insurance Submittal:

Submitted: $147,696

Paid: $141,330

Not Paid: $ 6,366

CLASSROOM GUIDELINES

Presented by Greg McCarty of Moorestown Township Public Schools

Creating Safer, Healthier School Environments ACCASBO • BCIP • GCSSD • SEJIF

www.spelljif.com • (856) 446-9128 P.O. Box 449 • Marlton, NJ 08053

Classroom Item/Concern Guideline Notes

Houseplants Limit the number of houseplants due to mold, pest and allergen issues

Use for educational purposes only

Stuffed Animals Eliminate stuffed animals in classrooms due to mold, pest and allergen issues

Exception for preschool classrooms only

Personal Furniture Items - Upholstered/fabric furniture, non sealed/particle board or wood shelves, wicker, etc.

Upholstered/fabric furniture not purchased by the District (brought from home) should be removed. Shelving units and wood furniture could be conducive to mold growth or have lead in paint.

Remove all personal furniture items from classroom. Any need for shelving units should be communicated to the Building Principal.

"High Odor" Markers Use "low odor" markers only Ionizing Air Cleaners Remove all ionizing air cleaners. Report any odors to building

Principal, Business Administrator and through School Dude.

Air Fresheners Do not use air fresheners in classrooms. Can create respiratory issues for sensitive individuals.

Report any odors to building Principal, Business Administrator and through School Dude.

Storage on top of uninvent and near ceiling vents

Do not store items on top of functioning uninvents or near ceiling vents

Throw Rugs Limit throw rugs to one per classroom

Report any throw rugs that due to wear or age may create a tripping hazard.

Under sink storage Limit storage of items under sinks in order to more easily identify leak or mold issues

Do not store cleaning items or chemical items that can be accessed by students.

Items hanging from ceilings Eliminate items hanging from ceilings.

Limit storage above cabinets.

Classroom and Hallway Decorations Limit decorations and student work to bulletin boards and cork strips in classrooms; and cork strips in hallways.

20% of wall space. No decorations 24 inches from ceiling down or floor up (18 inches if fire sprinkler in room)

Tennis balls on chairs Do not use tennis balls on chairs due to potential mold, allergen and pest build up.

Curtains Reduces risk of fire, mold and allergens

QSAC item # 38

Appliances (refrigerators, microwaves, hot plates, coffee makers, crock pots, heaters, lamps)

Eliminate appliances from classrooms.

Refrigerators may be maintained in classrooms if there is a student medical or nutritional need


CLASSROOM GUIDELINES

Presented by Greg McCarty of Moorestown Township Public Schools

Creating Safer, Healthier School Environments ACCASBO • BCIP • GCSSD • SEJIF

www.spelljif.com • (856) 446-9128 P.O. Box 449 • Marlton, NJ 08053

Classroom Item/Concern Guideline Notes

Extension Cords Do not use any unapproved extension cords

Fire or tripping hazard.

Classroom door glass Do not cover classroom door glass QSAC item # 16 Bean Bag Chairs Remove bean bag chairs due to

mold, allergen and pest issues Bean bag chairs in vinyl or plastic covering are acceptable

Food in classrooms Limit food in classrooms to student lunches and snacks.

Store snacks in heavy duty plastic containers.

Storage areas Make an effort to keep storage areas and closets clutter free.

Classroom Doors Do not prop classroom doors open Holiday Lighting (stranded or other decorative), Lamps

Do not use stranded or decorative lighting in classrooms including lamps.

Cardboard Storage Boxes Replace cardboard storage boxes with plastic storage particularly for long term storage

Chemicals used for Educational Purposes

All chemicals need to be stored and labeled in the proper container or storage unit.

Eyewash and Emergency Showers All eyewash and emergency showers should be available whether or not they are in use.



www.spelljif.com


SPELL JIF Presents



July 20, 2016

Beazley Environmental Policy

Mr. Carl Varteresian Sr. Account Executive, Environmental Specialist Arthur J. Gallagher & Co. [email protected]

Mr. Scott Tennant Deputy Executive Director SPELL, ACCASBO, BCIP and GCSSD JIFs Area Vice President, Arthur J. Gallagher & Co. [email protected]

Mr. Nathaniel Martin Environmental Beazley [email protected]

Notes


SCHOOL POOL FOR EXCESS LIABILITY LIMITS JOINT INSURANCE FUND

Creating Safer, Healthier School Environments

ACCASBO • BCIP • GCSSD • SEJIF www.spelljif.com • (856) 446‐9128 P.O. Box 449 • Marlton, NJ 08053

Pollution Mold Information (2016-2017 School Year)

POLLUTION (MOLD) CLAIM

1. Call Beazley Environmental Claims

(800) 347-4384

2. Complete or have completed (posted on spelljif.com)

Notice of Loss Notice of Claim

3. Forward copy of completed form to Beazley Claims

Fax: (860) 679-0247 Email: [email protected]

4. Contact one of the JIF Administrators

Craig Wilkie Phone: (856) 446-9128 Email: [email protected]

Scott Tennant Phone: (856) 446-9181 Email: [email protected]

Brad Hoffman Phone: (856) 446-9132 Email: [email protected]

“I’m confused on my environmental situation. I have a lot of questions and need answers. Who do I call?”

Call the Pollution Environmental (Mold) Hotline: P: (866) 565-1304

The Pollution Environmental (Mold) Hotline is a toll free service provided to member districts in an effort to improve the communication process involving encounters with mold. This is Not to report a claim. By calling this number, you are not reporting a claim, you are merely gathering information.

Hotline’s Mission:

Helps members assess a mold situation to determine if outside help is needed

Provide guidance to members on how to perform an in house clean-up, when possible

Help members recognize when they should file a claim

Improve the mold claim process by providing expert advice and guidance


Beazley | Environmental

claimsubmit a

Environmental

Is your matter an emergency? If you are reporting a claim or pollution condition which involves an emergency, please call +1 (800) 347 4384 to connect with Beazley REACT (Rapid Exposure Assessment and Cleanup Team) for immediate assistance.

For all other matters, please complete and email the attached form to:

[email protected] send us any other relevant materials (lawsuits, correspondence, reports, etc.) with your completed form.

Reporting your matter via email helps Beazley respond as soon as possible. However, you may also notify us by fax to (860) 679-0247 or by mail to Beazley USA Services, Inc. (attn.: Environmental Claims) 30 Batterson Park Road, Farmington, CT 06032.

As soon as the Claims team receives your submission, you will receive an acknowledgment, and your Beazley Claims Manager will be in touch to begin working with you to address your matter.

Here’s how to notify Beazley of a claim or the discovery of pollution condition.

Beazley | Environmental Liability | Claims form

Environmental Liability Claims Form If you are reporting a matter which involves an environmental/pollution emergency, please call +1 800 347 4384 to connect with Beazley REACT (Rapid Exposure Assessment and Cleanup Team) for immediate assistance. Otherwise, please complete this form and send to one of the following:

Email: [email protected] Fax: +1 860 679 0247 Mail: Beazley USA Services, Inc. 30 Batterson Park Road, Farmington, CT 06032

Please report your claim via email for the promptest service. Our claims team will confirm receipt of your notification as soon as possible and your Beazley claims manager will be in touch to discuss next steps.

Claims information

Today’s date: / /

Insured’s name:

Insured’s Beazley policy number:

Who should Beazley contact regarding this matter?

Please describe the matter generally:

When and how did the insured first learn of this matter?

When did the pollution condition occur (if applicable)?

Where did the pollution condition occur (if applicable)? Please provide a specific address/location if possible.

Has anyone threatened or asserted claims against an insured? If so, please provide the name of the claimant(s), the date and circumstances of the claims or threats, and copies of any relevant documents.

Are any other parties involved in this matter? If so, whom?

Are there any urgent concerns or needs to be addressed? If so, please explain:

Please attach any relevant materials to your submission, such as lawsuits or other legal documents, letters, e-mails, photographs or any other documents. We look forward to working with you to address this matter. If you have any questions, please call +1 312 476 6250 or email [email protected]

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mailto:enviro.claims%40beazley.com?subject=

mailto:larry.griffin%40beazley.com?subject=

Beazley | Environmental Liability | Claims form

Environmental Liability Claims Form

FRAUD WARNING DISCLOSURE

ANY PERSON WHO, WITH INTENT TO DEFRAUD OR KNOWING THAT (S)HE IS FACILITATING A FRAUD AGAINST THE INSURER, SUBMITS AN APPLICATION OR FILES A CLAIM CONTAINING A FALSE OR DECEPTIVE STATEMENT MAY BE GUILTY OF INSURANCE FRAUD.

NOTICE TO ALABAMA, ARKANSAS, LOUISIANA, NEW MEXICO AND RHODE ISLAND APPLICANTS: ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO FINES AND CONFINEMENT IN PRISON.

NOTICE TO COLORADO APPLICANTS: IT IS UNLAWFUL TO KNOWINGLY PROVIDE FALSE, INCOMPLETE, OR MISLEADING FACTS OR INFORMATION TO AN INSURANCE COMPANY FOR THE PURPOSE OF DEFRAUDING OR ATTEMPTING TO DEFRAUD THE COMPANY. PENALTIES MAY INCLUDE IMPRISONMENT, FINES, DENIAL OF INSURANCE, AND CIVIL DAMAGES. ANY INSURANCE COMPANY OR AGENT OF AN INSURANCE COMPANY WHO KNOWINGLY PROVIDES FALSE, INCOMPLETE, OR MISLEADING FACTS OR INFORMATION TO A POLICYHOLDER OR CLAIMANT FOR THE PURPOSE OF DEFRAUDING OR ATTEMPTING TO DEFRAUD THE POLICYHOLDER OR CLAIMANT WITH REGARD TO A SETTLEMENT OR AWARD PAYABLE FROM INSURANCE PROCEEDS SHALL BE REPORTED TO THE COLORADO DIVISION OF INSURANCE WITHIN THE DEPARTMENT OF REGULATORY AGENCIES.

NOTICE TO DISTRICT OF COLUMBIA APPLICANTS: WARNING: IT IS A CRIME TO PROVIDE FALSE OR MISLEADING INFORMATION TO AN INSURER FOR THE PURPOSE OF DEFRAUDING THE INSURER OR ANY OTHER PERSON. PENALTIES INCLUDE IMPRISONMENT AND/OR FINES. IN ADDITION, AN INSURER MAY DENY INSURANCE BENEFITS IF FALSE INFORMATION MATERIALLY RELATED TO A CLAIM WAS PROVIDED BY THE APPLICANT.

NOTICE TO FLORIDA APPLICANTS: ANY PERSON WHO KNOWINGLY AND WITH INTENT TO INJURE, DEFRAUD, OR DECEIVE ANY INSURER FILES A STATEMENT OF CLAIM OR AN APPLICATION CONTAINING ANY FALSE, INCOMPLETE OR MISLEADING INFORMATION IS GUILTY OF A FELONY OF THE THIRD DEGREE.

NOTICE TO KANSAS APPLICANTS: ANY PERSON WHO, KNOWINGLY AND WITH INTENT TO DEFRAUD, PRESENTS, CAUSES TO BE PRESENTED OR PREPARES WITH KNOWLEDGE OR BELIEF THAT IT WILL BE PRESENTED TO OR BY AN INSURER, PURPORTED INSURER, BROKER OR AGENT THEREOF, ANY WRITTEN STATEMENT AS PART OF, OR IN SUPPORT OF, AN APPLICATION FOR THE ISSUANCE OF, OR THE RATING OF AN INSURANCE POLICY FOR PERSONAL OR COMMERCIAL INSURANCE, OR A CLAIM FOR PAYMENT OR OTHER BENEFIT PURSUANT TO AN INSURANCE POLICY FOR COMMERCIAL OR PERSONAL INSURANCE WHICH SUCH PERSON KNOWS TO CONTAIN MATERIALLY FALSE INFORMATION CONCERNING ANY FACT MATERIAL THERETO; OR CONCEALS, FOR THE PURPOSE OF MISLEADING, INFORMATION CONCERNING ANY FACT MATERIAL THERETO COMMITS A FRAUDULENT INSURANCE ACT.

NOTICE TO MAINE, TENNESSEE, VIRGINIA AND WASHINGTON APPLICANTS: IT IS A CRIME TO KNOWINGLY PROVIDE FALSE, INCOMPLETE OR MISLEADING INFORMATION TO AN INSURANCE COMPANY FOR THE PURPOSE OF DEFRAUDING THE COMPANY. PENALTIES MAY INCLUDE IMPRISONMENT, FINES OR A DENIAL OF INSURANCE BENEFITS.

NOTICE TO MARYLAND APPLICANTS: ANY PERSON WHO KNOWINGLY OR WILLFULLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY OR WILLFULLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO FINES AND CONFINEMENT IN PRISON.

NOTICE TO OKLAHOMA APPLICANTS: WARNING: ANY PERSON WHO KNOWINGLY, AND WITH INTENT TO INJURE, DEFRAUD OR DECEIVE ANY INSURER, MAKES ANY CLAIM FOR THE PROCEEDS OF AN INSURANCE POLICY CONTAINING ANY FALSE, INCOMPLETE OR MISLEADING INFORMATION IS GUILTY OF A FELONY.

NOTICE TO KENTUCKY, NEW JERSEY, NEW YORK, OHIO AND PENNSYLVANIA APPLICANTS: ANY PERSON WHO KNOWINGLY AND WITH INTENT TO DEFRAUD ANY INSURANCE COMPANY OR OTHER PERSON FILES AN APPLICATION FOR INSURANCE OR STATEMENT OF CLAIMS CONTAINING ANY MATERIALLY FALSE INFORMATION OR CONCEALS FOR THE PURPOSE OF MISLEADING, INFORMATION CONCERNING ANY FACT MATERIAL THERETO COMMITS A FRAUDULENT INSURANCE ACT, WHICH IS A CRIME, AND SUBJECTS SUCH PERSON TO CRIMINAL AND CIVIL PENALTIES. (IN NEW YORK, THE CIVIL PENALTY IS NOT TO EXCEED FIVE THOUSAND DOLLARS ($5,000) AND THE STATED VALUE OF THE CLAIM FOR EACH SUCH VIOLATION.)


www.spelljif.com


SPELL JIF Presents



July 20, 2016

Notes


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