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Dear Colleagues,

As you know, over the past few months we have implemented a number of changes in order to improve our financial position. Many of these actions have had a direct impact on our agent partners, particularly in states where we have decided to limit our marketing efforts. As a result, there has been some confusion about where we are continuing to actively market our portfolio of products. This letter is intended to clarify our position and update you on our strategy going forward.

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