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This Endorsement does not eliminate the operation of any Exclusion in the Memorandum of <br />Coverage. <br />This endorsement does not provide drop down coverage or reduce the retained limit under <br />the reinsurance program. <br />This Endorsement forms a part of the Memorandum of Coverage for the program year <br />indicated above. <br />Effective date: July 1, 2019 <br />July 1, 2019 <br />Date <br />Tony Giles, General Manager <br />