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a monthly newsletter published by the San Francisco Chapter of National Association of Insurance Women P.O. Box 190862 San Francisco, CA 94119-0862 www.sfcnaiw.com Inside this Issue President’s Message 2-3 Calendar of Events 4 Announcements 5 Exposure to History 6 Safety Corner 7 Full Court Press 8-10 General Luncheon Flyer 11 Golf Tournament Flyer 12 Re-entry Program flyer 13 2011 Fundraiser Flyer 14 Cookbook Flyer 15 2011 Region VIII Committee 16 2009-10 Board of Directors/Committees 17 Cover Notes August 2009

Cover Notes - DISIVION · You do not lead by hitting people over the head-that's assault, not leadership. ~ Dwight D. Eisenhower Now Accepting PayPal! Did you ever wonder what all

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a monthly newsletter published by the San Francisco Chapter of

National Association of Insurance Women

P.O. Box 190862

San Francisco, CA 94119-0862

www.sfcnaiw.com

Inside this Issue

President’s Message 2-3

Calendar of Events 4

Announcements 5

Exposure to History 6

Safety Corner 7

Full Court Press 8-10

General Luncheon Flyer 11

Golf Tournament Flyer 12

Re-entry Program flyer 13

2011 Fundraiser Flyer 14

Cookbook Flyer 15

2011 Region VIII Committee 16

2009-10 Board of Directors/Committees 17

Cover Notes August 2009

August 2009 2

President’s Message

Hello Everyone,

I hope your summer has been a fun one so far.

This last month has certainly been a busy one for

our chapter!

On Sunday morning, July 12th a group of

us gathered at Sandy’s house to staff our own

cheering station for our friends and members

who were doing the Avon Walk for Breast

Cancer. Both Suzzanne Ryan and Rebecca

Aherne made the commitment to walk 39 miles

over two days this year.

Those of us cheering for Suzzanne,

Rebecca and ALL the walkers included Kim

McGee, Annette Ing-Firmeza, Sandy Dameron,

Quyen Trinh, and Sean McCormick along with

Suzzanne’s friend Sharon. We had fun and it

was extremely inspiring to see the over 2,800

walkers head up Polk Street on their second day

of walking. Special thanks to Sandy for opening

her home to us and serving us a great brunch

after we finished cheering.

The 2,800 walkers,

including 386 survivors,

raised a total of $6,000,000

and ten grants totaling

$2,400,000 were distribu-

ted at the closing

ceremonies.

On Saturday, July

18th Annette and I attended the Annual NAIW

Leadership meeting at Camp Oakhurst in

Coarsegold, CA (located about an hour from

Yosemite). Our new CA Council Director, Andi

Fields-Gonzales, and her board held a day of

meetings and team building exercises. Topics

for the meeting included getting to know the

new NAIW National website (Have you visited

it yet and set up your profile yet?), the Do’s and

Don’ts of building / maintaining a chapter

website, how to run successful education

programs and ideas for getting publicity for

chapter events and meetings.

After the meet-

ings and lunch, the

group adjourned to the

low ropes course and

participated in some

problem solving / team

building exercise. The

instructors were totally

blown away by how fast

the group solved the problems put before them!

On Sunday, July 19th a small group of

members (Quyen, Jenny Chea-Viang, Tevea

Him and Jennifer Donnelly) and 13 of their

friends and family members participated in the

San Francisco AIDS walk. According to an

article in the Oakland Tribune, 25,000 volunteer

walkers raised a total of

$3,502,729 this year,

about $800,000 less than

the 2008 walk. The San

Francisco Chapter will

have a team next year,

so plan ahead and join

the walk in 2010!

On Tuesday, July

21st we had Andrea Steiner and Rocio De

Rodriguez from AXA Advisors as our speakers

for our General Lunch meeting. Andrea and

Rocio outlined the financial strategies we need

to think about in today’s economy and as we

plan for our retirement.

Their presentation was very informative

& timely and if you are interested in talking to a

financial advisor about your future, feel free to

call either Andrea at 925-951-1152 or Rocio at

925-951-1141.

August brings the Board Meeting on

Tuesday, August 4th; SFCNAIW’s 5th Annual

Golf Tournament on Friday, August 14th and our

August 2009 3

General Lunch meeting on Tuesday, August 18th

– our speaker will be Karen Levine from the San

Francisco Sheriff’s Women’s Reentry Center, an

organization we actively support. Flyers and

additional details for all our activities can be

found in this edition of Cover Notes and/or on

our website at www.sfcnaiw.com ▲

In fellowship,

Rae Lynn Zachary President, San Francisco Chapter of NAIW

Remember to Get Involved and Stay Involved.

Calendar of Events

Date

Aug ▲ Board Meeting – Tuesday, August 4th @ Lockton Insurance Brokers, 2 Embarcadero Center, Suite

1700, San Francisco. All Members are welcome to attend.

▲ SFCNAIW 5th Annual Golf Tournament – Friday, August 14th at Franklin Canyon Golf Course. See

flyer for details and to sign up!

▲ General Lunch Meeting –Tuesday, August 18th - CWC graduates will be participating in a Speak-

Off and we will have Guest Speaker Karen Levine from the Women's Reentry Center, see attached

flyer for details.

Sep ▲ Board Meeting – Tuesday, September 1st @ Lockton Insurance Brokers, 2 Embarcadero Center, Suite

1700, San Francisco. All Members are welcome to attend.

▲ CA Council Meeting – Friday, September 11th – Saturday, September 12th in Fresno, CA. Watch your

mail boxes for details.

▲ New Member Orientation and Membership Drive – Tuesday, September 15th. Details to follow.

September 7th – Labor Day

September 13th – Grandparents’ Day

Oct ▲ Board Meeting – Tuesday, October 6th @ Lockton Insurance Brokers, 2 Embarcadero Center, Suite

1700, San Francisco. All Members are welcome to attend.

▲ October Industry Event – Tuesday, October 20th – Details to follow.

October 12th – Columbus Day/Indigenous Peoples’ Day

October 31st - Halloween

Nov ▲ Board Meeting – Tuesday, November 2nd @ Lockton Insurance Brokers, 2 Embarcadero Center, Suite

1700, San Francisco. All Members are welcome to attend.

▲ General Lunch Meeting – Tuesday, November 16th, Speaker Glenda Brown from AFLAC. Details to

follow.

November 1st – Daylight Savings Time Ends… Turn back your clocks!

November 26th – Thanksgiving Day

August 2009 4

Dec ▲ Board Meeting – Tuesday, December 1st @ Lockton Insurance Brokers, 2 Embarcadero Center, Suite

1700, San Francisco. All Members are welcome to attend.

December 7th – Pearl Harbor Day

December 25th – Christmas Day

Member Happenings

• Happy Birthday to all our August Babies!

• Congratulations to Diane Stokes for being accepted into the Academy of Art

University Photography program!! Good Luck, Diane, as you pursue your dream.

New Members

Susana Baja, Swett and Crawford (dual membership with Contra Costa Chapter)

Natasha Lee, AFCO

Announcements Please help update our Roster by advising us of any changes/corrections. For a copy of our roster, contact Renee

Everson or Cassandra Yu; phones: 415-836-2745 or 415-836-2653; e-mails: [email protected] or

[email protected]. Please send all corrections/updates to them. Please take special care in

completing the “Specialty Field” column by indicating “Account Manager Construction” instead of just “Account

Manager”.

Fellowship Committee - Members, please keep in mind if you know of any of our members who have

an illness or in the hospital or a death in the family to be sure to contact Grace Hill at 415-932-7172 or

[email protected] who will send a greeting card to wish them well and that NAIW members are

thinking of them.

The San Francisco Chapter of NAIW can now accept credit card payments

for all events. Members check your e-mail box for flyers with embedded

links. Guests and sponsors, please contact Joyce Saridis at

[email protected] to receive an invoice via e-mail.

August 2009 5

Picture this…

Visit our new full-featured photo gallery:

www.SFCNAIW.com/gallery

Premium Inspiration

Management is doing things right; leadership is doing the right things. ~ Peter Drucker

Men make history, and not the other way around. In periods where there is no leadership, society stands

still. Progress occurs when courageous, skillful leaders seize the opportunity to change things for the

better. ~ Harry S. Truman

You do not lead by hitting people over the head-that's assault, not leadership. ~ Dwight D. Eisenhower

Now Accepting PayPal!

Did you ever wonder what all those designations mean?? Here are just a few:

AAI - Accredited Advisor in Insurance

ACS - Associate in Customer Service

AFSB - Associate in Fidelity and Surety Bonding

CIC - Certified Insurance Counselor

RHU - Registered Health Underwriter

Stay tuned as we decipher more designations in future issues.

Looking for a career in insurance? Check our job listings at www.SFCNAIW.com/careers

New listings are posted as often as we get them!

August 2009 6

Exposure to History by M. “Sandy” Dameron, CPIW

I left you last month with my move to

San Francisco from Sacramento in

May, 1970, and I had an automatic

“Big Sister” in Estelle Hendricks, who

I already knew as we both had

worked for National Union Insurance

Co. and she was a member of

S.F.I.W.A. (we were then known as

San Francisco Insurance Women’s

Assn.). My first meeting here was the

annual NAIW Week luncheon, which

was held that year at the Mark

Hopkins Hotel. I was thrilled at being

a resident in S.F. and was made feel

so welcome by the Association

members that I stepped right into

getting thru my divorce by being involved with

my new NAIW friends.

You’ll recall that I mentioned Arlene

Vrooman who was a co-designer of the CPIW

designation. Arlene, at that time was a member of

the East Bay Assn. Of Ins. Women (no longer in

existence), and I had met her at some Sub-Regional

NAIW meetings. She introduced me to Ben

Masters, then Executive V-P of the I.E.A. and I

became an instructor for them for commercial

property rating. Since I was one of the first NAIW

members to get my CPIW designation, Ben &

Arlene asked me to join them in offering a seminar

throughout California for NAIW members,

promoting educational programs available. We

called the Seminars “Powder Puff Clinics”! Yes,

you read the title correctly and it was very well

accepted. Our members were eager to pursue their

education to prove to their employers that they

were professionals and were interest in a career.

1971 introduced our 1st

public speaking course, known

as LACE (Let’s All

Communicate Effectively). In

S.F. our first class had around

12 members. Also, that year,

we began discussions with the

Peninsula Insurance Women’s

Assn. members about starting a

program for the leaders of local

associations to get together to

openly discuss problems and

solutions that they were

experiencing. This was the

beginning of the Inter

Coordinating Committee

meetings here in Northern California. After a year

or so, Southern CA and Central CA associations

joined together with this same itinerary.

In that same time frame, I was asked by the

CA Assn. Of Mutual Ins. Agents to represent

NAIW on an All-Industry Committee to research

& develop standard forms that all agents/brokers

could use and that would be accepted by all

companies, rather than having separate

applications/forms from each represented

company for the same purpose. This was the

beginning of our ACORD forms, which stands for

Agency-Company Operations of Research &

Development. I’ll go into this more in a later issue,

but leave you with saying that those were very

exciting times for NAIW members, as other

industry organizations were taking notice of us as

Professionals, and not just their “Girl Friday”.

View more photos at www.sfcnaiw.com/gallery

August 2009 7

Safety Corner Water Safety

We have already lost four children in the Bay Area this year to drowning accidents. And the Red Cross says that 48% of families with young children who are planning water-related activities this summer will swim in a place with no lifeguard. Whether you are planning a trip to Maui, or the beach, or the water park or just planning to enjoy your backyard swimming pool, the following tips will go a long way to keeping you and your loved ones safe: 1. Plan to swim in designated areas supervised by lifeguards; 2. If you are going to an area with no lifeguard, never swim alone; always have at least one other person around; 3. Never trust a child alone near or in water, and never have another child supervising the first child; 4. Active supervision is key: most of the children who drown in swimming pools do so in less than five minutes, in the time that someone takes to answers the phone or use the facilities or get refreshments. Have the child get out of the pool and go back into the house with you; 5. If you are having a backyard party, make sure at least one person is

assigned to keep an eye on any children, who is not distracted by the conversations going on; 6. Know your limits: if you are not a good swimmer or are just learning to swim, do not go into water so deep that you cannot touch bottom and still have your head above water. If you are a good swimmer, keep an eye on any companions who are not; 7. Do not ever dive in water when you do not know how deep it is: hitting your head on bottom can paralyze or even kill you; 8. Do not play in ocean waves at the shore by the open ocean. A sudden large wave can grab you and pull you out into the deep water before you can react, and then the current can sweep you away. You are also putting others in danger who try to rescue you; 9. Be careful of the sun. As stated in last month’s article, sunlight shining off of water can burn you much more severely than sunlight on land would; 10. If you start to shiver or cramp up, get out of the water. It does not take long for hypothermia to set in. 11. Consider taking a lifesaving course from the Red Cross or other provider.

Again, your Safety Committee wishes you a wonderful and safe summer season.▲

August 2009 8

Full Court Press

Sixty-Day Notice Requirement In Exception To Pollution Exclusion Does Not Violate Public Policy And Is Not Barred By The “Notice-Prejudice” Rule Summary by Rebecca B. Aherne, Esq. On July 1, 2009, the Second Appellate District filed its opinion in Venoco, Inc. v. Gulf Underwriters Insurance Company, holding that Venoco’s general liability policy excluded coverage for actions alleging injuries caused by pollution brought against the company by students and employees of a school situated adjacent to company’s operations. Factual and Procedural Background In 1910, oil wells were drilled on a site that would later be occupied by Beverly Hills High School. In 1959, the school district entered into oil and gas leases with several companies which developed a new site next to the high school. In 1995, the lease for the new site was assigned to Venoco which processed crude oil and transported it via pipeline to Long Beach. It also removed impurities from natural gas and pumped it into distribution lines for homes and businesses. In 1996, Venoco purchased a liability policy from Gulf for the period April 1, 1996 to April 1, 1997. The policy contained a pollution exclusion which provided the policy did not apply to seepage, pollution or contamination liability for injury to any person or property caused by or arising out of pollution or contamination of air, land, water, person or property. The policy also contained a pollution buy-back provision which provided that the pollution exclusion would not apply if 1) the occurrence was accidental and caused by an intervening event neither foreseeable nor

intended by the insured; 2) the occurrence commenced at a specified time and date during the policy period; 3) the occurrence became known to the insured within seven days of its commencement and was reported to the insurer within 60 days thereafter; and 4) the occurrence did not result from the insured’s intentional or willful violation of any government statute, rule or regulation. In February 2003 Venoco heard media reports that its oil and gas operations were the source of dangerous toxic chemical pollution. Venoco advised its broker that it operated an oil production facility near Beverly Hills High School where tests had indicated high levels of substances attorneys were claiming had caused cancer in graduates of the school, and that there was a possibility of claims by these students against Venoco. Numerous students and employees of the high school subsequently sued Venoco alleging exposure to toxic chemicals dating back to 1976. The plaintiffs alleged Venoco’s negligence resulted in the contamination of the high school with toxins which caused them to develop cancer. They further alleged that Venoco knew its activities were causing these toxic chemical exposures, but did not warn the public. Venoco tendered the defense of the claims to Gulf. Gulf refused to defend Venoco citing the pollution exclusion in the policy. Gulf further claimed the exception to the exclusion, the buy-back provision, did not apply because Venoco had not shown the claims stemmed from an accident, occurring on a specific date, discovered within seven days and reported to the company within 60 days thereafter. Venoco sued Gulf for breach of contract and breach of the implied covenant of good faith and fair dealing alleging the underlying actions involved business activities for which it had insurance coverage. In the trial court, Gulf contended that during the policy period Venoco reported emissions to the Air Quality Management District, but not to Gulf, and that because Venoco never gave notice to Gulf

August 2009 9

during the policy period or within sixty days thereafter, Venoco had not satisfied the conditions of the buy-back provision. Venoco maintained that the company’s operations resulted in emissions of small amounts of gas, but that the production and processing system was not intended to release chemicals or other compounds to the environment. Venoco’s CFO testified Venoco employed two brokers to negotiate the pollution buy-back provision. He did not see the policy, but expected it would include pollution coverage. The trial court found in favor of Gulf stating that Venoco did not comply with the 60-day notice requirement of the buy-back provision because it did not report any accidents to Gulf within the 60-day period, and did not show the happening of any accident as defined in the buy-back provision. The trial court further found the 60-day requirement was not unusual or unfair. Judicial Holding and Analysis The Court of Appeal affirmed the decision of the trial court holding that the underlying claims fell outside the pollution coverage provisions in the Gulf policy. Venoco could not establish an accident had occurred at a specified time and date, because the underlying actions alleged the continuous migration or release of toxic chemicals from Venoco’s site to the high school over a number of decades. Although Venoco claimed its tender of the claims was timely, it did not allege compliance with the 60-day reporting requirement. The policy expired on April 1, 1997. Venoco did not submit its claim to Gulf until 2003. The court rejected Venoco’s contention that the 60-day reporting requirement was invalid because it was “hidden” in the policy. The time reporting limit is contained on a separate page of the policy. It is not hidden in fine print or placed in an unusual part of the policy. It stands out as a separate paragraph and is clear and explicit. Even though a policy provision may be conspicuous without being in bold face, the buy-back provision contains a bold-faced heading

which alerts the policyholder that it is a time limit clause: “SEEPAGE AND POLLUTION BUY-BACK 7 DAY CLAUSE.” Such clauses are not unusual in the oil industry. Venoco had obtained insurance with similar clauses prior to purchasing the Gulf policy. Venoco negotiated with Gulf to purchase a policy containing the buy-back provision. Venoco’s suggestion it did not know about the provision was undercut by the CFO’s testimony that the company requested that Gulf add this coverage. The appellate court also rejected Venoco’s claim that the 60-day reporting requirement was unenforceable because Gulf did not prove it would suffer substantial prejudice if notice were given later than 60 days. The “notice-prejudice” rule, which operates to bar insurers from denying coverage for failure to give prompt notice unless they can show prejudice from the delay, does not apply to every time limit on any insurance policy. If a policy provides that special coverage for a particular type of claim is conditioned on express compliance with a reporting requirement, the time limit is enforceable without proof of prejudice. The insurer makes an exception and extends special coverage conditioned on compliance with a reporting requirement and other conditions. The reporting requirement becomes the written notice necessary to trigger the expanded coverage afforded by the special policy provision. A loss does not occur until notice of the underlying claim is given. Imposing the prejudice requirement that Venoco seeks would expand the reporting time limit and impermissibly alter its agreement with Gulf. Venoco and Gulf agreed to the expanded coverage in the in the pollution buy-back provision which creates a limited exception to the pollution exclusion. The 60-day reporting requirement is one of four conditions that Venoco agreed to, and must comply with, before the provision is operable. The language of the provision is unambiguous and must be enforced according to its plain meaning.

August 2009 10

Venoco also contended the claim that it failed to warn the public about toxic chemical discharges was covered because it does not involve the release of toxic chemicals. The court disagreed on the ground the failure to warn claim is not independent from allegations of pollution discharge. The plaintiffs alleged Venoco released toxic chemicals and failed to notify about the danger. The pollution exclusion bars all claims for injury “directly or indirectly” arising out of pollution. The failure to warn is directly connected to the toxic exposure liability claim, and thus, the policy excludes coverage for Venoco’s alleged failure to warn about its releases of toxic chemicals. The fact that the policy contained two pollution exclusions did not make the policy ambiguous. The pre-printed policy form contained a “sudden and accidental” pollution exclusion which did not apply if the discharge or release of pollutants is sudden and accidental. The absolute pollution exclusion is a special endorsement which by its terms governs and overrides the general provisions on the pre-printed form. The endorsement specifically provides that it applies “notwithstanding anything to the contrary contained in [the] policy.” In addition, the general rule is that the language of a special endorsement overrides the language in other parts of the policy in case of conflict.

Comments and Implications Other courts have held that pollution buy-back provisions are clear and insurers may enforce their express reporting time limits. Enforcement of the provision is not against public policy. This court analogized the buy-back provision to claims made and reported policies where time is of the essence. The insurer provides additional high risk coverage for claims made within defined reporting time limits, thereby lowering the risks to the company. This allows high risk businesses to obtain coverage at a reasonable price that otherwise would be unavailable. “Underwriters, secure in the fact that claims will not arise under the subject policy after its expiration or termination can underwrite a risk and compute premiums with greater certainty. An insurance company can establish its reserves without having to consider the possibilities of inflation beyond the policy period, upward-spiraling jury awards or later changes in the definition and application of negligence. There are benefits to the insured as well in making insurance more available and less expensive. Such insurance contract provisions are fair and do not contravene public policy.”▲

August 2009 11

GGEENNEERRAALL LL UUNNCCHH MM EEEETTII NNGG

MM AAKK EE YYOOUURR RREESSEERRVVAATTII OONNSS TTOODDAAYY !! !! !! !!

Date: Tuesday, August 18th, 2009

Time: 11:45 a.m. to 1:00 p.m.

Place: Banker’s Club

Bank of America Bldg., 52nd Floor

555 California Street, S.F., CA

RSVP: Please RSVP no later than

Thursday, August 13, 2009 to:

Joyce Saridis, Allianz Global

ph. 415 541 4466

[email protected]

Menu:

Starter

Baby Hearts of Romaine with Caesar

Dressing

Entrée*

“Slow Cooked” Short Ribs of Beef with

Gorgonzola Mashed Potatoes

Or

Cypress Grove Goat Cheese and Pear

Ravioli

Dessert

Lemon Meringue Tart

Cost*: $40 for SFC NAIW Members

$45 for Non-Members

$35 for Retired Members

Credit Card Payments accepted via PayPal, contact Joyce for details and watch your e-mail for e-flyer

Note: No-shows are required to pay, regardless of reason, as we are billed based on our confirmation

CWC Speak Off The graduates of the CWC class will participate in a

Speak off

Come cheer them on!!!

Karen Levine from the SF Sherriff’s

Women’s Reentry Center

Topic: Programs and Their Effects ***************************************

The Women’s Reentry Center provides women who have

a history of criminal justice involvement with the services and tools necessary to break the cycle and to

achieve and maintain healthy lifestyles.

The center offers assistance and referrals for housing, substance abuse programs, employment, medical &

mental health services and legal services

They provide child care while participants are using their services; a free clothing closet; and a computer lab with access to the internet, voicemail boxes, fax and

photocopier machines

They provide personal development classes including: Empowerment classes for crime survivors; Relapse prevention; Women’s support groups; Vocational workshops; Life skills; Computer instruction; and Culinary arts & nutrition classes to name just a few.

IF YOU CAN, PLEASE BRING A DONATION

FOR THE REENTRY CENTER TO THE MEETING – SEE SEPARATE FLYER IN

COVER NOTES FOR THEIR “WISH LIST”

Know someone who is interested in

joining NAIW? Invite them to the

meeting!

August 2009 12

The San Francisco Chapter of NAIW

Invites you to participate in our

Fifth Annual Golf Tournament Friday, August 14, 2009

Tee off with us at:

Franklin Canyon Golf Course Hwy 4 Hercules, CA Phone: (510) 799-6191

Registration: 8:00 am Shot Gun Start at 9:00 am Buffet Following the Tournament

The Fun includes:

Closest to the Hole, Longest Drive and Raffle Prizes

Entry Fee: $110 per player – includes Green Fee, Cart Fee, Buffet and TONS of FUN!

Entry Deadline: August 7, 2009

Entry form for the S.F Chapter of NAIW’s 5th Annual Golf Tournament Name: _____________________________________________________ Company: __________________________________________________ Phone: ______________________________ E-Mail: _____________________________ Please group me with: _____________________________________________ _____________________________________________ _____________________________________________ ( ) We would like to donate a prize/or prizes for the tournament, contact me to set up ( ) We would like to Sponsor a Hole for $125 (without golfers) OR $525 including Golf and Lunch for 4 players ( ) I don’t play golf, but would love to attend the buffet ($30)

Enclosed is my check for $_____________ (Receipt Available Upon Request) Please Mail Your Check (Payable to SFCNAIW) To: Alvenia Anderson, Golf Chairman San Francisco Chapter of NAIW P. O. Box 190862 San Francisco, CA 94119-0862 Phone: (415) 836-2649 Fax: (415) 836-3112 E-mail: [email protected] OR We can now accept advanced payments by credit card using PayPal - There will be a nominal convenience fee added to credit card payments

NOTE: NO SHOWS ARE REQUIRED TO PAY, REGARDLESS OF REASON

August 2009 13

The San Francisco Chapter of NAIW has partnered with the

SF Sheriff’s Department Women’s Reentry Center

In November 2007, at our General Luncheon meeting, we began collecting un-opened toiletries to donate to the Women’s Reentry

Center. If you travel a lot and pick up all those hotel provided toiletries, they are perfect! In addition to the hotel provided toiletries – full sized products are greatly appreciated, the ladies from the Reentry Center have a wish list

of items they need to prepare “Reentry Survival Kits” for the women who are reentering society. In order to receive one of the kits, the ladies must go to the reentry center and have some form of counseling.

Items needed include: Toothbrushes and toothpaste Soap Shampoo and conditioner Lotion Hair Dressing for African American Hair Deodorant Dental Floss, etc.

Bring your donations to our next general meeting OR, if you can’t make it to the meetings, you can drop your donations off at: Lockton Insurance Brokers, LLC 2 Embarcadero Center, Suite 1700, San Francisco, CA 94111 Attn: Rae Lynn Zachary, 415-568-4028 / [email protected]

Information on the Center:

Located at 930 Bryant Street, The Reentry Center, which gets its funding from private fundraising efforts as well as local, state and federal sources, provides women with transitional support services including housing assistance, substance abuse programs, employment referrals, healthcare and legal assistance. The program also offers personal development classes to help the women get their lives back on track.

The center will also accept clothing donations. If you are interested in donating clothing as well, contact:

Quyen Trinh SFC NAIW Community Service Chairperson 415-994-3266 / [email protected] Quyen will work with you individually to coordinate clothing donations.

August 2009 14

2011 Fundraiser Custom Made NAIW Bracelets

Order Yours Today for $15 each plus $3 shipping & handling.

Just tell us which 2 colors you would like on your stretch bracelet.

Send order form to: Cheryl Krier 571 Phelps Court, Benicia, CA 94510 Questions? Call: 510-410-1580 Or email: [email protected]

My Order: Name:__________________________________ Ship to: ___________________________________ ___________________________________

Colors: �Purple �Light Purple �Clear �Green �Light Green �Blue �Light Blue �Red �Pink

_____ # of Bracelets Chose 2 colors for the crystal beads (for each bracelet – see photo) _____ 7 inch round bracelet _____ 7 ½ inches round bracelet _____ 7 ¾ inches round bracelet $______ for Bracelets + $3.00 shipping & handling $______ Total check Made payable to: CCC of NAIW 2011 Conference

All Swarovski crystals Letter beads and spacers are actually silver.

August 2009 15

Get ‘em while they’re hot!

$10 per book

Proceeds go towards the 2014 Region VIII Conference “The Heart of the San Joaquin in 2014”

To order a cookbook, complete the following: Name: _________________________ Address: _______________________ City: _________________ State: ______ Zip: _____ # of Books _____ x $10 plus $2 Shipping each book Total Enclosed: _________ Questions or Comments: Contact Jolene Gilbert at 559-302-4469 or [email protected] Checks should be made payable to: 2014 Region VIII Conference Mail order forms & payment to: IPKTC - Attn: Jolene

P.O. Box 1012 Visalia, CA 93279

August 2009 16

Please Help Support:

The 2011 Region VIII Committee – Hosted by the Contra Costa Chapter of NAIW

Instead of asking you to buy typical fundraising stuff from our group, we're doing something totally new!! All we ask is that you do your normal shopping through our website. We now have a shopping mall website featuring over 300 Name Brand Companies . Simply visit our website below & click on a link to any company you want to visit. You will be taken to that company's Safe, Secure website where you can do your regular shopping and have it delivered straight to your door. Most of the companies offer Free Shipping, plus a wider selection of items at the Same or Lower Price than you will find in their stores! When you do your normal shopping with any company through our website, we get a

commission! Please do all of your normal shopping at: www.krymus.com/4821

• Wal-Mart • Buckle • KB Toys

• NetFlix • dELiA*s • Magazines.com

• Alloy • The Sharper Image • Overstock.com

• Avon • Disney Movie Club • and many more! and... Thanks Again For Supporting The 2011 Region VIII Committee - Hosted by the Contra Costa Chapter of NAIW

August 2009 17

2009-10 SFCNAIW Board of Directors and Committee Members Board of Directors

President Rae Lynn Zachary Lockton Insurance Brokers, LLC

President-Elect Lisa Masa Socius Insurance Services

Vice President Marie Meadows International Marine Underwriters

Treasurer Alvenia Anderson Chartis, Inc.

Recording Secretary Mona Lindahl-Babcock Lockton Insurance Brokers, LLC

Director Cynthia Brixie Travelers Insurance Company

Director Sandra Inouye Allianz Global

Director Joyce Saridis Allianz Global

Committee Chair people

Archive M. Sandy Dameron “Retired”

Audit Jennifer Day Imperial AI Credit

Awards Rebecca Aherne Kelly, Hockel & Klien, P. C.

Budget & Finance Lisa Masa Socius Insurance Services

By-Laws & Parliament Ramona DeBernardis Lockton Insurance Brokers, LLC

CWC Mona Lindahl-Babcock

Grace Hill

Lockton Insurance Brokers, LLC

CNA Surety

Community Service Kimberly Brown-McGee Prometheus Real Estate Group

Fundraising / Spec. Events Yvonne Ersery Lockton Insurance Brokers, LLC

Education/Legislation Rebecca Aherne Kelly, Hockel & Klien, P. C.

Education Advisory M. Sandy Dameron “Retired”

Employment Terry Crowley CNA Marine

Fellowship Grace Hill CNA Surety

Golf Tournament Alvenia Anderson

Annette Ing-Firmeza

Chartis, Inc.

AON Risk Insurance Services, West, Inc.

May Luncheon Suzzanne Ryan AON Risk Insurance Services, West, Inc.

Membership Renee Everson

Cassandra Yu

Chartis, Inc.

Chartis, Inc.

New Horizon Planning Annette Ing-Firmeza AON Risk Insurance Services, West, Inc.

Nominating Mona Lindahl-Babcock Lockton Insurance Brokers, LLC

October Industry Event Marie Meadows International Marine Underwriters

Program & Speakers Rae Lynn Zachary

Marie Meadows

Lockton Insurance Brokers, LLC

International Marine Underwriters

Reservations Joyce Saridis Allianz Global

Safety Programs Linda Pirlot Del Monte Foods

Website & Newsletter Rae Lynn Zachary Lockton Insurance Brokers, LLC