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                  style="FONT-FAMILY: Verdana, Geneva, Arial, Helvetica, sans-serif; COLOR: #004db4; FONT-SIZE: 18pt">American 
                  Association of Woodturners </SPAN></DIV>
                  <DIV style="TEXT-ALIGN: right" align=right><SPAN 
                  style="COLOR: #666666"><EM>December 20, 
                2011</EM></SPAN></DIV></TD></TR></TBODY></TABLE></TD></TR>
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                align=left><SPAN style="COLOR: #333333">Dear James,</SPAN> 
                  <BR><BR>
                  <DIV><SPAN style="COLOR: #333333">
                  <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px"><SPAN>Many AAW 
                  members who sell their work but are not fulltime professional 
                  turners, often believe that their homeowner's insurance policy 
                  will cover losses due to fires, theft, and other events. In 
                  most states, insurance companies say that 'any' business is 
                  excluded and not covered under the homeowner's policy. We are 
                  aware of individuals that have had their shops destroyed and 
                  found that their homeowner's policy would not pay because the 
                  insurance company found that they had sold items. We recommend 
                  that you discuss this with your homeowner's insurance agent to 
                  see if you are 
            protected.</SPAN></P></SPAN></DIV></TD></TR></TBODY></TABLE></TD></TR>
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                  <P 
                  style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; FONT-SIZE: 10pt"><SPAN 
                  style="FONT-SIZE: 10pt">AAW is pleased to announce a new 
                  benefit to all United States members and chapters. We have 
                  secured a group insurance policy for a very nominal rate that 
                  will insure your Business Personal Property for your contents 
                  such as tools, equipment, materials, and inventory. It also 
                  includes personal property of others. The yearly premium for 
                  this coverage is $250 per $20,000 of equipment, etc. coverage. 
                  If you do craft shows, you can add a "Location Floater" for an 
                  additional $50 per $20,000 coverage to cover your inventory 
                  and other property while away from your primary 
                  location.</SPAN></P>
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                  <P 
                  style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; FONT-SIZE: 10pt">If 
                  you require insurance for your buildings as well, or if you 
                  require business liability coverage, we have a great policy 
                  that many of our full-time professionals have had for several 
                  years that is very affordable.</P>
                  <P 
                  style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; FONT-SIZE: 10pt"> </P>
                  <P 
                  style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; FONT-SIZE: 10pt">If 
                  you are an officer or director of your AAW chapter, as an 
                  additional benefit, we have also arranged for your chapter to 
                  be able to purchase affordable group insurance to protect the 
                  chapter officers, directors and their spouses from liability 
                  claims. Applications for those insurance options will be sent 
                  to you "Chapter Contact" listed on the AAW web site.</P>
                  <P 
                  style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; FONT-SIZE: 10pt"> </P>
                  <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px"><SPAN>The 
                  insurance is offered through Michael George of AMJ Insurance, 
                  Inc., who also offers Business Owners Policy to members of the 
                  AAW. The insurance policy is underwritten by a U.S. rated A+ 
                  company. The Individual Property Insurance policy is available 
                  only to members and chapters in the United States. 
                   </SPAN></P>
                  <P 
                  style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px"><SPAN></SPAN> </P>
                  <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px"><SPAN>To apply 
                  for the Individual Member Property Insurance policy, complete 
                  the application below and send to:</SPAN></P>
                  <P 
                  style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px"><SPAN></SPAN> </P>
                  <P 
                  style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px"><SPAN>Association 
                  Insurance Program</SPAN></P>
                  <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px"><SPAN>7150 
                  Winton Drive, Suite 300</SPAN></P>
                  <P 
                  style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px"><SPAN>Indianapolis, 
                  ID 46268</SPAN></P>
                  <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px"><SPAN>(888) 
                  258.6820 x172</SPAN></P>
                  <P 
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                  <P 
                  style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; FONT-SIZE: 10pt"><A 
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                  shape=rect target=_blank track="on" ref="ACCOUNT.DOCUMENT.198" 
                  linktype="document">Individual Property Insurance 
                  Application</A></P> </SPAN></DIV></TD></TR></TBODY></TABLE></TD></TR>
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                align=left><STRONG>American Association of 
                  Woodturners</STRONG><I><BR></I>
                  <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px"><SPAN>(877) 
                  595-9094</SPAN></P>
                  <P 
                  style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px"><SPAN>woodturner.org</SPAN></P></TD></TR></TBODY></TABLE>
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                  face="Verdana, Geneva, Arial, Helvetica, sans-serif" 
                  size="2">The American Association of Woodturners will strive 
                  to be a world leader in establishing lathe-turned work as a 
                  major element in the craft art world, while at the same time 
                  spear-heading youth development and engendering amateur 
                  interest and 
activities.</SPAN></DIV></TD></TR></TBODY></TABLE></TD></TR>
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            <DIV>This email was sent to jhfbear@centurytel.net by <A 
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      color=#000000 size=1 face=tahoma,sans-serif>American Association of 
      Woodturners<SPAN style="COLOR: #bababa"> | </SPAN>75 5th Street West<SPAN 
      style="COLOR: #bababa"> | </SPAN>222 Landmark Center<SPAN 
      style="COLOR: #bababa"> | </SPAN>St. Paul<SPAN style="COLOR: #bababa"> | 
      </SPAN>MN<SPAN style="COLOR: #bababa"> | 
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