Window Size:
4.5” wide x 1.5” high
Window Placement
4.25” Left
.5”Bottom
#10 OE (4.125” h x 9.5”)
Ink: 1/1 K, with PMS Cool
Grey 11U @ 60% Tint
X4639_Bulletin
PRSRT STD
U.S. POSTAGE
PAID
MAILED FROM
ZIP CODE XXXXX
PERMIT NO. XXXX
Important:
Water Service Line Information
Partner Logo
FPO
Indicia Placement:
.375” from right edge.
.375” from the top fold.
X4639_Bulletin_#10_OE.indd 1
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10/4/21 2:41 PM
X4639_Bulletin
X4639_Bulletin
Partner Logo
Soil and ground conditions can have an effect on exterior water service pipes—if the ground settles enough,
the pipe can break. Temperature fluctuations in any type of climate may lead to cracks and pipe failure.
Pipe age can also be a contributing factor combined with the use of materials that may be as old as your home.
Environmental factors like surrounding soil properties can cause potential corrosivity that may result in
a pipe fracture.
Physical characteristics of pipes may cause failure: Inadequate installation, joint connection failure, pipe wall
thickness that can degrade over time due to corrosion or high water pressure.
Potential Structural
Pipe Failures FACTORS THAT MAY LEAD TO EXTERIOR WATER PIPE BREAKDOWN
Water Service Line Details
<<Serv_City_xx>> Water Line Responsibility Information
Please reply within 30 days
Mailcode
<<MR. SAMPLE A SAMPLE>>
<<MAIL_ADDRESS1_XXXXXXX>>
<<MAIL_ADDRESS2_XXXXXXX>>
<<MAIL_CITY, ST ZIP>>
Mailcode
For:
<<Serv_City_xx>> homeowners
Re:
Exterior water pipe conditions
Response Requested
OWNERSHIP RESPONSIBILITY – The exterior water service line on your property belongs to you. Although <<Partner_
Name>> is your utility provider, the cost of repairing or replacing the line is your responsibility and comes out of your household
budget. If the line breaks down, it is up to you to find a technician.
REPLACEMENT COSTS – Many factors may compromise lines: Pipe age, pipe material, pipe corrosion, ground shifting and
normal wear and tear. Your line could be buried between 1.9 and 8 feet deep†
, depending on the region of the country, and is unlikely
to be inspected. A breakdown can happen to any line. The average cost of replacing a water line is $2,661.*
Water lines damaged from
normal wear and tear are not typically covered by basic homeowners insurance.
PROTECTION INFORMATION – <<Partner_Name>> wants to help you avoid paying thousands out of pocket if your line needs
to be replaced, and has selected HomeServe to offer eligible homeowners optional <<Product_Name>>. For just $X.XX per month,
you get access to HomeServe’s network of contractors to promptly repair or replace your water line in the event of failure, with up to
$X,XXX <<annually with multiple service calls/per service call with multiple calls annually>> (30-day waiting period includes a money-
back guarantee) for covered repairs. Coverage includes repairing your line and, if necessary, excavation fees. Protection covers all types of
pipe materials.
†
The nationwide average for pipe depth is 5 feet.
*
National average repair costs as of June 2020.
<<Disclosure>>
Please Reply: Within 30 Days
Please Complete and Return the Acceptance Form Today
Call Toll-Free 1-XXX-XXX-XXXX or Visit <<www.Website.com>>
Available Mon-Fri Xam-Xpm | Sat XXam-Xpm EST
Card
Number:
Exp.
Date:
Please
be
sure
to
sign
and
date
your
check
or
money
order
in
the
amount
of
<<A_PR>><<,
which
includes
applicable
taxes,>>
for
this
coverage.
PLEASE
MAKE
PAYABLE
TO
HOMESERVE
I
have
enclosed
my
check
or
money
order
for
my
payment
of
<<A_
PR>><<,
which
includes
applicable
taxes,>>
for
optional
<<Product_
Name_XXXXXXXXXXXXX>>.
I
confirm
that
I
am
the
homeowner
and
have
read
the
information
in
this
package,
understand
there
are
limitations
and
exclusions,
and
meet
the
eligibility
requirements
for
this
coverage.
I
authorize
HomeServe
to
charge
my
first
and
all
future
payments<<,
plus
any
applicable
taxes,>>
for
<<Product_Name_XXXXXXXXXXXXX>>
to
my
credit/debit
card
at
the
frequency
specified.
I
understand
that,
regardless
of
the
payment
frequency
I
select,
my
optional
coverage
is
based
on
an
annual
contract
and
will
be
automatically
renewed
annually
on
the
same
payment
terms
I
selected
at
the
then-current
renewal
price<<
(currently
$X.XX
per
month<<,
plus
any
applicable
taxes>>)>>.
I
have
the
option
to
cancel
this
contract
at
any
time
without
additional
cost
to
me
by
calling
1-XXX-XXX-XXXX.
I
confirm
that
I
am
the
homeowner
and
have
read
the
information
in
this
package,
understand
there
are
limitations
and
exclusions,
and
meet
the
eligibility
requirements
for
this
coverage.
<<M_PR>>
per
month
<<Q_PR>>
per
quarter
<<A_PR>>
per
year
<<Prices
include
applicable
state
tax.
Additional
local
tax
may
apply.>>
Signature
(required)
Signature
(required)
CREDIT/DEBIT
CARD
ONE-TIME
CHECK
OR
MONEY
ORDER
	
V
ISA	
MASTERCARD	
AMEX	
DISCOVER
	
	
	
	
CM
NOTE:
Please
add
the
following
copy
IF
you
are
mailing
to
a
tax
state
and
add
after
“…at
the
frequency
specified.”:
HomeServe
will
only
notify
me
if
any
change
in
taxes
causes
the
charged/debited
amount
to
vary
more
than
ten
percent
.
Window Size:
4.5”w x 1.5”h
Window Placement:
4”L x .50” from fold
Cut
8.5”
17”
long
( WA S T E - S L I T / N E S T )
Cut
3.75”
3.75”
3.375”
.375”
Fold Fold
Fold
Fold Fold
5.75"
2"
3.75"
Back of APP and 180 degrees
Flat size: 8.5”w x 17”h (Slit and Nest)
Finished Size: letter: 8.5” x 10.875” App: 8.5” x 5.75”
Fold: thirds
Color: 1c/3c; K, K, PMS 292U, 30%Y
Stock: uncoated text
Production Note:
Allow 3/16" (.1875)
clearance
X4639_Bulletin_LTR.indd 1
X4639_Bulletin_LTR.indd 1 10/7/21 1:31 PM
10/7/21 1:31 PM
X4639_Bulletin
X4639_Bulletin
Acceptance
Form
Phone:
	 E-mail:
	
Water Service Line Responsibility Explained
Repair water
service line
$490
Replace water
service line
(26–100 ft.)
$2,661
Plan Members:
$0.00‡
Plan Members:
$0.00‡
WATER
MAIN
TYPICAL
HOMEOWNER’S
RESPONSIBILITY
WATER
SERVICE LINE
PROPERTY BOUNDARY/
SERVICE CONNECTION
Frequently Asked Questions And Answers
What am I responsible for?
As a homeowner, you are responsible for the exterior water service line
on your property.
Does my homeowners insurance cover this?
Most basic homeowners insurance policies do not cover repair or
replacement due to normal wear and tear of the exterior water service line.
Who is eligible for coverage?
An owner of both a residential home permanently secured to the
ground and the land it is located on may be eligible for coverage.
Recreational vehicles or homes on wheels and properties used for
commercial purposes are not eligible for coverage. Your property is
not eligible if you are aware of any pre-existing conditions, defects or
deficiencies with your exterior water service line prior to enrollment.
If you live in a development community with a condominium,
co-op or homeowners association, your exterior water service line may not
be an individual homeowner’s responsibility, so please check with your
association before accepting this coverage.
What should I know about this coverage?
What’s covered: Coverage provides, up to the benefit amount, for the
covered cost to repair or replace a leaking, low pressure or permanently
blocked exterior water service line, for which you have sole responsibility,
from your property boundary or external wall of your well casing to the
external wall of your home, that is damaged due to normal wear and tear,
not accident or negligence.
Not covered: Repair to any water line that branches off the main water
service line, thawing of frozen pipes, and damage from accidents,
negligence or otherwise caused by you, others or unusual circumstances.
Additional exclusions apply. To see full Terms and Conditions
with complete coverage and exclusion details prior to enrolling call
1-XXX-XXX-XXXX or go to www.website.com.
When can I make a service call?
Your plan starts the day your form is processed, and there is an initial
30-day waiting period before you can make a service call, giving you 11
months of coverage during the first year. Upon renewal/reactivation (if
applicable), you will not be subject to a waiting period.
What is the cancellation policy?
You may cancel within 30 days of your start date for a full refund (or less
any claims paid if cancelled at any time after renewal/reactivation, where
applicable). Cancellations after the first 30 days will be effective at the
end of the then-current billing month, and you will be entitled to a pro-
rata refund less any claims paid (where applicable). You may also contact
HomeServe to cancel if you find your utility or municipality provides
similar coverage to you at no charge, and you will receive a refund less
any claims paid (where applicable).
What is the term of my service agreement?
Your coverage is based on an annual contract and is billed on a monthly
basisthroughyourutilitybill.Yourserviceagreementwillbeautomatically
renewed annually at the then-current renewal price.
What quality of repair can I expect?
Local, licensed and insured plumbers perform covered repairs, which are
guaranteed against defects in materials and workmanship for one year.
Who is HomeServe?
HomeServe is an independent company, separate from Louisville Water
Company, providing emergency home repair services and protection
solutions to homeowners across the U.S. If you would prefer not to receive
solicitations from HomeServe, please call 1-XXX-XXX-XXXX.
The illustration shows the exterior water service
line that is your responsibility as a homeowner.
Also shown are repairs that are commonly
performed on this line and how much a licensed
and insured contractor would typically charge a
homeowner for repairs.
Give yourself less to worry about with <<Product_
Name_xxxxxxxxxxxxx>> from HomeServe.
You’ll benefit from a priority response and no
bill to pay for covered repairs, up to $X,XXX per
<<year/service call>>.
<<The service line beyond the [property boundary]
may be an additional responsibility of the homeowner,
but it is not included in this coverage.>>
‡
National average repair costs as of June 2020. No
charge for covered repairs up to your annual/
service call benefit amount.
Mailcode
Mailcode
Mailcode-xxxx
Sample
A.
Sample
Serv_Address1_xxxxxxx
Serv_Address2_xxxxxxx
Serv_City,
ST
Zip
Please
correct
name
and
address
information
below,
if
necessary,
before
submitting.
By
providing
my
e-mail
address,
I
request
that
I
be
e-mailed
my
current
and
future
agreements
and
any
related
documents,
and
I
acknowledge
that
I
can
access
these
documents.
I
can
change
my
preferences
or
request
paper
copies
online
or
by
calling
HomeServe.
The
phone
number
and
e-mail
address
provided
below
are
good
ways
to
reach
me.
PLEASE
REPLY
BY
x/x/xxxx
Promo
Code:
Promo_Code
CM
NOTE:
Please
delete
if
not
mailing
with
promo
codes
and
update
slugline
MatchbackID	Mailcode
.25”
.25”
.375”
.375”
Matchback
ID
Code:
10pt
OCR
A
Extended
text
box:
2.975”
w,
+
clearance
.375”
from
Left
trim
.375
from
Bottom
trim
.25”
clearance
right
and
top
magenta
rule
line
and
measurements
do
not
print
Payment
Schedule:
M_PR
per
month
Q_PR
per
quarter
A_PR
per
year
I
authorize
HomeServe
to
use
account
information
from
the
enclosed
check
to
make
electronic
fund
transfers
to
automatically
initiate
debits
to
my
bank
account
at
the
frequency
and
in
the
amounts
specified
in
the
Payment
Schedule,
plus
any
applicable
taxes,
in
connection
with
my
payments
for
Product_Name.
I
understand
the
enclosed
check
itself
will
not
be
deposited
but
rather
used
for
account
information.
I
understand
that,
regardless
of
the
payment
frequency
I
select,
my
optional
coverage
is
based
on
an
annual
contract
and
will
be
automatically
renewed
annually
on
the
same
payment
terms
I
selected
at
the
then-current
renewal
price
(currently
$X.XX
per
month,
plus
any
applicable
taxes).
I
have
the
option
to
cancel
this
contract
at
any
time
without
additional
cost
to
me
by
calling
1-XXX-XXX-XXXX.
I
confirm
that
I
am
the
homeowner
and
have
read
the
information
in
this
package,
understand
there
are
limitations
and
exclusions,
and
meet
the
eligibility
requirements
for
this
coverage.
Prices
include
applicable
state
tax.
Additional
local
tax
may
apply.
Signature
(required)
Customer_No
E-Z
PAY
(see
back
of
letter)
CM
NOTE:
Please
add
the
following
copy
IF
you
are
mailing
to
a
tax
state
and
add
after
“...in
connection
with
my
payments
for
Product_Name”:
HomeServe
will
only
notify
me
if
any
change
in
taxes
causes
the
charged/debited
amount
to
vary
more
than
ten
percent.
Cut
8.5”
17”
long
( WA S T E - S L I T / N E S T )
Cut
3.75”
3.75”
3.375”
.375”
Fold Fold
Fold
Fold
Fold Fold
5.75
2
3.75
Front of APP and 180 degrees
FPO
FPO
X4639_Bulletin_LTR.indd 2
X4639_Bulletin_LTR.indd 2 10/7/21 1:31 PM
10/7/21 1:31 PM

X4639_Bulletin_PKG_v23.pdf

  • 1.
    Window Size: 4.5” widex 1.5” high Window Placement 4.25” Left .5”Bottom #10 OE (4.125” h x 9.5”) Ink: 1/1 K, with PMS Cool Grey 11U @ 60% Tint X4639_Bulletin PRSRT STD U.S. POSTAGE PAID MAILED FROM ZIP CODE XXXXX PERMIT NO. XXXX Important: Water Service Line Information Partner Logo FPO Indicia Placement: .375” from right edge. .375” from the top fold. X4639_Bulletin_#10_OE.indd 1 X4639_Bulletin_#10_OE.indd 1 10/4/21 2:41 PM 10/4/21 2:41 PM
  • 2.
  • 3.
    X4639_Bulletin X4639_Bulletin Partner Logo Soil andground conditions can have an effect on exterior water service pipes—if the ground settles enough, the pipe can break. Temperature fluctuations in any type of climate may lead to cracks and pipe failure. Pipe age can also be a contributing factor combined with the use of materials that may be as old as your home. Environmental factors like surrounding soil properties can cause potential corrosivity that may result in a pipe fracture. Physical characteristics of pipes may cause failure: Inadequate installation, joint connection failure, pipe wall thickness that can degrade over time due to corrosion or high water pressure. Potential Structural Pipe Failures FACTORS THAT MAY LEAD TO EXTERIOR WATER PIPE BREAKDOWN Water Service Line Details <<Serv_City_xx>> Water Line Responsibility Information Please reply within 30 days Mailcode <<MR. SAMPLE A SAMPLE>> <<MAIL_ADDRESS1_XXXXXXX>> <<MAIL_ADDRESS2_XXXXXXX>> <<MAIL_CITY, ST ZIP>> Mailcode For: <<Serv_City_xx>> homeowners Re: Exterior water pipe conditions Response Requested OWNERSHIP RESPONSIBILITY – The exterior water service line on your property belongs to you. Although <<Partner_ Name>> is your utility provider, the cost of repairing or replacing the line is your responsibility and comes out of your household budget. If the line breaks down, it is up to you to find a technician. REPLACEMENT COSTS – Many factors may compromise lines: Pipe age, pipe material, pipe corrosion, ground shifting and normal wear and tear. Your line could be buried between 1.9 and 8 feet deep† , depending on the region of the country, and is unlikely to be inspected. A breakdown can happen to any line. The average cost of replacing a water line is $2,661.* Water lines damaged from normal wear and tear are not typically covered by basic homeowners insurance. PROTECTION INFORMATION – <<Partner_Name>> wants to help you avoid paying thousands out of pocket if your line needs to be replaced, and has selected HomeServe to offer eligible homeowners optional <<Product_Name>>. For just $X.XX per month, you get access to HomeServe’s network of contractors to promptly repair or replace your water line in the event of failure, with up to $X,XXX <<annually with multiple service calls/per service call with multiple calls annually>> (30-day waiting period includes a money- back guarantee) for covered repairs. Coverage includes repairing your line and, if necessary, excavation fees. Protection covers all types of pipe materials. † The nationwide average for pipe depth is 5 feet. * National average repair costs as of June 2020. <<Disclosure>> Please Reply: Within 30 Days Please Complete and Return the Acceptance Form Today Call Toll-Free 1-XXX-XXX-XXXX or Visit <<www.Website.com>> Available Mon-Fri Xam-Xpm | Sat XXam-Xpm EST Card Number: Exp. Date: Please be sure to sign and date your check or money order in the amount of <<A_PR>><<, which includes applicable taxes,>> for this coverage. PLEASE MAKE PAYABLE TO HOMESERVE I have enclosed my check or money order for my payment of <<A_ PR>><<, which includes applicable taxes,>> for optional <<Product_ Name_XXXXXXXXXXXXX>>. I confirm that I am the homeowner and have read the information in this package, understand there are limitations and exclusions, and meet the eligibility requirements for this coverage. I authorize HomeServe to charge my first and all future payments<<, plus any applicable taxes,>> for <<Product_Name_XXXXXXXXXXXXX>> to my credit/debit card at the frequency specified. I understand that, regardless of the payment frequency I select, my optional coverage is based on an annual contract and will be automatically renewed annually on the same payment terms I selected at the then-current renewal price<< (currently $X.XX per month<<, plus any applicable taxes>>)>>. I have the option to cancel this contract at any time without additional cost to me by calling 1-XXX-XXX-XXXX. I confirm that I am the homeowner and have read the information in this package, understand there are limitations and exclusions, and meet the eligibility requirements for this coverage. <<M_PR>> per month <<Q_PR>> per quarter <<A_PR>> per year <<Prices include applicable state tax. Additional local tax may apply.>> Signature (required) Signature (required) CREDIT/DEBIT CARD ONE-TIME CHECK OR MONEY ORDER V ISA MASTERCARD AMEX DISCOVER CM NOTE: Please add the following copy IF you are mailing to a tax state and add after “…at the frequency specified.”: HomeServe will only notify me if any change in taxes causes the charged/debited amount to vary more than ten percent . Window Size: 4.5”w x 1.5”h Window Placement: 4”L x .50” from fold Cut 8.5” 17” long ( WA S T E - S L I T / N E S T ) Cut 3.75” 3.75” 3.375” .375” Fold Fold Fold Fold Fold 5.75" 2" 3.75" Back of APP and 180 degrees Flat size: 8.5”w x 17”h (Slit and Nest) Finished Size: letter: 8.5” x 10.875” App: 8.5” x 5.75” Fold: thirds Color: 1c/3c; K, K, PMS 292U, 30%Y Stock: uncoated text Production Note: Allow 3/16" (.1875) clearance X4639_Bulletin_LTR.indd 1 X4639_Bulletin_LTR.indd 1 10/7/21 1:31 PM 10/7/21 1:31 PM
  • 4.
    X4639_Bulletin X4639_Bulletin Acceptance Form Phone: E-mail: Water ServiceLine Responsibility Explained Repair water service line $490 Replace water service line (26–100 ft.) $2,661 Plan Members: $0.00‡ Plan Members: $0.00‡ WATER MAIN TYPICAL HOMEOWNER’S RESPONSIBILITY WATER SERVICE LINE PROPERTY BOUNDARY/ SERVICE CONNECTION Frequently Asked Questions And Answers What am I responsible for? As a homeowner, you are responsible for the exterior water service line on your property. Does my homeowners insurance cover this? Most basic homeowners insurance policies do not cover repair or replacement due to normal wear and tear of the exterior water service line. Who is eligible for coverage? An owner of both a residential home permanently secured to the ground and the land it is located on may be eligible for coverage. Recreational vehicles or homes on wheels and properties used for commercial purposes are not eligible for coverage. Your property is not eligible if you are aware of any pre-existing conditions, defects or deficiencies with your exterior water service line prior to enrollment. If you live in a development community with a condominium, co-op or homeowners association, your exterior water service line may not be an individual homeowner’s responsibility, so please check with your association before accepting this coverage. What should I know about this coverage? What’s covered: Coverage provides, up to the benefit amount, for the covered cost to repair or replace a leaking, low pressure or permanently blocked exterior water service line, for which you have sole responsibility, from your property boundary or external wall of your well casing to the external wall of your home, that is damaged due to normal wear and tear, not accident or negligence. Not covered: Repair to any water line that branches off the main water service line, thawing of frozen pipes, and damage from accidents, negligence or otherwise caused by you, others or unusual circumstances. Additional exclusions apply. To see full Terms and Conditions with complete coverage and exclusion details prior to enrolling call 1-XXX-XXX-XXXX or go to www.website.com. When can I make a service call? Your plan starts the day your form is processed, and there is an initial 30-day waiting period before you can make a service call, giving you 11 months of coverage during the first year. Upon renewal/reactivation (if applicable), you will not be subject to a waiting period. What is the cancellation policy? You may cancel within 30 days of your start date for a full refund (or less any claims paid if cancelled at any time after renewal/reactivation, where applicable). Cancellations after the first 30 days will be effective at the end of the then-current billing month, and you will be entitled to a pro- rata refund less any claims paid (where applicable). You may also contact HomeServe to cancel if you find your utility or municipality provides similar coverage to you at no charge, and you will receive a refund less any claims paid (where applicable). What is the term of my service agreement? Your coverage is based on an annual contract and is billed on a monthly basisthroughyourutilitybill.Yourserviceagreementwillbeautomatically renewed annually at the then-current renewal price. What quality of repair can I expect? Local, licensed and insured plumbers perform covered repairs, which are guaranteed against defects in materials and workmanship for one year. Who is HomeServe? HomeServe is an independent company, separate from Louisville Water Company, providing emergency home repair services and protection solutions to homeowners across the U.S. If you would prefer not to receive solicitations from HomeServe, please call 1-XXX-XXX-XXXX. The illustration shows the exterior water service line that is your responsibility as a homeowner. Also shown are repairs that are commonly performed on this line and how much a licensed and insured contractor would typically charge a homeowner for repairs. Give yourself less to worry about with <<Product_ Name_xxxxxxxxxxxxx>> from HomeServe. You’ll benefit from a priority response and no bill to pay for covered repairs, up to $X,XXX per <<year/service call>>. <<The service line beyond the [property boundary] may be an additional responsibility of the homeowner, but it is not included in this coverage.>> ‡ National average repair costs as of June 2020. No charge for covered repairs up to your annual/ service call benefit amount. Mailcode Mailcode Mailcode-xxxx Sample A. Sample Serv_Address1_xxxxxxx Serv_Address2_xxxxxxx Serv_City, ST Zip Please correct name and address information below, if necessary, before submitting. By providing my e-mail address, I request that I be e-mailed my current and future agreements and any related documents, and I acknowledge that I can access these documents. I can change my preferences or request paper copies online or by calling HomeServe. The phone number and e-mail address provided below are good ways to reach me. PLEASE REPLY BY x/x/xxxx Promo Code: Promo_Code CM NOTE: Please delete if not mailing with promo codes and update slugline MatchbackID Mailcode .25” .25” .375” .375” Matchback ID Code: 10pt OCR A Extended text box: 2.975” w, + clearance .375” from Left trim .375 from Bottom trim .25” clearance right and top magenta rule line and measurements do not print Payment Schedule: M_PR per month Q_PR per quarter A_PR per year I authorize HomeServe to use account information from the enclosed check to make electronic fund transfers to automatically initiate debits to my bank account at the frequency and in the amounts specified in the Payment Schedule, plus any applicable taxes, in connection with my payments for Product_Name. I understand the enclosed check itself will not be deposited but rather used for account information. I understand that, regardless of the payment frequency I select, my optional coverage is based on an annual contract and will be automatically renewed annually on the same payment terms I selected at the then-current renewal price (currently $X.XX per month, plus any applicable taxes). I have the option to cancel this contract at any time without additional cost to me by calling 1-XXX-XXX-XXXX. I confirm that I am the homeowner and have read the information in this package, understand there are limitations and exclusions, and meet the eligibility requirements for this coverage. Prices include applicable state tax. Additional local tax may apply. Signature (required) Customer_No E-Z PAY (see back of letter) CM NOTE: Please add the following copy IF you are mailing to a tax state and add after “...in connection with my payments for Product_Name”: HomeServe will only notify me if any change in taxes causes the charged/debited amount to vary more than ten percent. Cut 8.5” 17” long ( WA S T E - S L I T / N E S T ) Cut 3.75” 3.75” 3.375” .375” Fold Fold Fold Fold Fold Fold 5.75 2 3.75 Front of APP and 180 degrees FPO FPO X4639_Bulletin_LTR.indd 2 X4639_Bulletin_LTR.indd 2 10/7/21 1:31 PM 10/7/21 1:31 PM