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
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