-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, PVWU/VxB9UEuAQ3wc4FGouYAzDO7DlXvx06nZYBoHDT94qPse+aymwyO5M27GVmF 3oXhIRjFOE+zwu1qjg7AvA== 0000899140-01-500467.txt : 20020413 0000899140-01-500467.hdr.sgml : 20020413 ACCESSION NUMBER: 0000899140-01-500467 CONFORMED SUBMISSION TYPE: SC 13D/A PUBLIC DOCUMENT COUNT: 1 FILED AS OF DATE: 20011213 GROUP MEMBERS: PHOENIX ASSURANCE COMPANY OF NEW YORK GROUP MEMBERS: ROYAL &SUNALLIANCEINSURANCE PLC GROUP MEMBERS: ROYAL &SUNALLIANCEPERSONAL INSURANCE COMPANY GROUP MEMBERS: ROYAL INDEMNITY COMPANY GROUP MEMBERS: THE SEA INSURANCE COMPANY OF AMERICA GROUP MEMBERS: VIKING INSURANCE COMPANY OF WISCONSIN SUBJECT COMPANY: COMPANY DATA: COMPANY CONFORMED NAME: CHUBB CORP CENTRAL INDEX KEY: 0000020171 STANDARD INDUSTRIAL CLASSIFICATION: FIRE, MARINE & CASUALTY INSURANCE [6331] IRS NUMBER: 132595722 STATE OF INCORPORATION: NJ FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: SC 13D/A SEC ACT: 1934 Act SEC FILE NUMBER: 005-10671 FILM NUMBER: 1813246 BUSINESS ADDRESS: STREET 1: 15 MOUNTAIN VIEW RD P O BOX 1615 CITY: WARREN STATE: NJ ZIP: 07061 BUSINESS PHONE: 9089032000 FILED BY: COMPANY DATA: COMPANY CONFORMED NAME: ROYAL GROUP INC/ CENTRAL INDEX KEY: 0001090458 STANDARD INDUSTRIAL CLASSIFICATION: [] FILING VALUES: FORM TYPE: SC 13D/A BUSINESS ADDRESS: STREET 1: 9300 ARROWPOINT BLVD CITY: CHARLOTTE STATE: NC ZIP: 28273-8135 BUSINESS PHONE: 7045222739 MAIL ADDRESS: STREET 1: 9300 ARROWPOINT BLVD CITY: CHARLOTTE STATE: NC ZIP: 28273-8135 SC 13D/A 1 royal983771.txt AMENDMENT NO. 3 TO SCHEDULE 13D -------------------------- OMB APPROVAL -------------------------- OMB Number: 3235-0145 Expires: October 31, 2002 Estimated average burden hours per response14.9 -------------------------- UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D (Amendment No. 3) Under the Securities Exchange Act of 1934* The Chubb Corporation - -------------------------------------------------------------------------------- (Name of Issuer) Common Stock, par value $1.00 per share - -------------------------------------------------------------------------------- (Title of Class of Securities) 171232 10 1 - -------------------------------------------------------------------------------- (CUSIP Number) Jan Miller, Group Company Secretary Royal & SunAlliance Insurance Group, plc 30 Berkeley Square London, W1X 5HA England - -------------------------------------------------------------------------------- (Name, Address and Telephone Number of Person Authorized to Receive Notices and Communications) December 5, 2001 - -------------------------------------------------------------------------------- (Date of Event which Requires Filing of this Statement) If the filing person has previously filed a statement on Schedule 13G to report the acquisition that is the subject of this Schedule 13D, and is filing this schedule because of ss.ss. 240.13d-1(e), 240.13d-1(f) or 240.13d-1(g), check the following box: [ ] NOTE: Schedules filed in paper format shall include a signed original and five copies of the schedule, including all exhibits. See Rule 240.13d-7 for other parties to whom copies are to be sent. * The remainder of this cover page shall be filled out for a reporting person's initial filing on this form with respect to the subject class of securities, and for any subsequent amendment containing information which would alter disclosures provided in a prior cover page. The information required on the remainder of this cover page shall not be deemed to be "filed" for the purpose of Section 18 of the Securities Exchange Act of 1934 ("Act") or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the Notes). Page 1 of 13 SCHEDULE 13D - -------------------------- ------------------- CUSIP No. 171232 10 1 Page 2 of 13 Pages - -------------------------- ------------------- - ----------- -------------------------------------------------------------------- 1 NAMES OF REPORTING PERSONS I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS (entities only) Royal & SunAlliance Insurance Group, plc - ----------- -------------------------------------------------------------------- 2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (See Instructions) (a) [X] (b) [ ] - ----------- -------------------------------------------------------------------- 3 SEC USE ONLY - ----------- -------------------------------------------------------------------- 4 SOURCE OF FUNDS (See Instructions) N/A - ----------- -------------------------------------------------------------------- 5 CHECK IF DISCLOSURE OF LEGAL PROCEEDING IS REQUIRED PURSUANT TO ITEMS 2(d) or 2(e) [ ] N/A - ----------- -------------------------------------------------------------------- 6 CITIZENSHIP OR PLACE OF ORGANIZATION England and Wales - --------------------- --------- ------------------------------------------------ 7 SOLE VOTING POWER 0 NUMBER OF --------- ------------------------------------------------ SHARES 8 SHARED VOTING POWER BENEFICIALLY OWNED BY EACH 3,023,916 REPORTING --------- ------------------------------------------------ PERSON WITH 9 SOLE DISPOSITIVE POWER 0 --------- ------------------------------------------------ 10 SHARED DISPOSITIVE POWER 3,023,916 - ----------- -------------------------------------------------------------------- 11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 3,023,916 - ----------- -------------------------------------------------------------------- 12 CHECK IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES (See Instructions) [ ] - ----------- -------------------------------------------------------------------- 13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) 1.7% - ----------- -------------------------------------------------------------------- 14 TYPE OF REPORTING PERSON (See Instructions) IC, HC, CO - ----------- -------------------------------------------------------------------- SCHEDULE 13D - -------------------------- ------------------- CUSIP No. 171 232 10 1 Page 3 of 13 Pages - -------------------------- ------------------- - ----------- -------------------------------------------------------------------- 1 NAMES OF REPORTING PERSONS I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS (entities only) Royal & SunAlliance Insurance plc - ----------- -------------------------------------------------------------------- 2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (See Instructions) (a) [X] (b) [ ] - ----------- -------------------------------------------------------------------- 3 SEC USE ONLY - ----------- -------------------------------------------------------------------- 4 SOURCE OF FUNDS (See Instructions) N/A - ----------- -------------------------------------------------------------------- 5 CHECK IF DISCLOSURE OF LEGAL PROCEEDING IS REQUIRED PURSUANT TO ITEMS 2(d) or 2(e) [ ] N/A - ----------- -------------------------------------------------------------------- 6 CITIZENSHIP OR PLACE OF ORGANIZATION England and Wales - --------------------- --------- ------------------------------------------------ 7 SOLE VOTING POWER 0 NUMBER OF --------- ------------------------------------------------ SHARES 8 SHARED VOTING POWER BENEFICIALLY OWNED BY EACH 3,023,916 REPORTING --------- ------------------------------------------------ PERSON WITH 9 SOLE DISPOSITIVE POWER 0 --------- ------------------------------------------------ 10 SHARED DISPOSITIVE POWER 3,023,916 - ----------- -------------------------------------------------------------------- 11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 3,023,916 - ----------- -------------------------------------------------------------------- 12 CHECK IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES (See Instructions) [ ] - ----------- -------------------------------------------------------------------- 13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) 1.7% - ----------- -------------------------------------------------------------------- 14 TYPE OF REPORTING PERSON (See Instructions) IC, HC, CO - ----------- -------------------------------------------------------------------- SCHEDULE 13D - -------------------------- -------------------- CUSIP No. 171232 10 1 Page 4 of 13 Pages - -------------------------- -------------------- - ----------- -------------------------------------------------------------------- 1 NAMES OF REPORTING PERSONS I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS (entities only) The Sea Insurance Company of America - ----------- -------------------------------------------------------------------- 2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (See Instructions) (a) [X] (b) [ ] - ----------- -------------------------------------------------------------------- 3 SEC USE ONLY - ----------- -------------------------------------------------------------------- 4 SOURCE OF FUNDS (See Instructions) N/A - ----------- -------------------------------------------------------------------- 5 CHECK IF DISCLOSURE OF LEGAL PROCEEDING IS REQUIRED PURSUANT TO ITEMS 2(d) or 2(e) [ ] N/A - ----------- -------------------------------------------------------------------- 6 CITIZENSHIP OR PLACE OF ORGANIZATION New York - --------------------- --------- ------------------------------------------------ 7 SOLE VOTING POWER 497,916 NUMBER OF --------- ------------------------------------------------ SHARES 8 SHARED VOTING POWER BENEFICIALLY OWNED BY EACH 0 REPORTING --------- ------------------------------------------------ PERSON WITH 9 SOLE DISPOSITIVE POWER 497,916 --------- ------------------------------------------------ 10 SHARED DISPOSITIVE POWER 0 - ----------- -------------------------------------------------------------------- 11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 497,916 - ----------- -------------------------------------------------------------------- 12 CHECK IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES (See Instructions) [ ] - ----------- -------------------------------------------------------------------- 13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) 0.3% - ----------- -------------------------------------------------------------------- 14 TYPE OF REPORTING PERSON (See Instructions) IC, CO - ----------- -------------------------------------------------------------------- SCHEDULE 13D - -------------------------- -------------------- CUSIP No. 171232 10 1 Page 5 of 13 Pages - -------------------------- -------------------- - ----------- -------------------------------------------------------------------- 1 NAMES OF REPORTING PERSONS I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS (entities only) Viking Insurance Company of Wisconsin - ----------- -------------------------------------------------------------------- 2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (See Instructions) (a) [X] (b) [ ] - ----------- -------------------------------------------------------------------- 3 SEC USE ONLY - ----------- -------------------------------------------------------------------- 4 SOURCE OF FUNDS (See Instructions) N/A - ----------- -------------------------------------------------------------------- 5 CHECK IF DISCLOSURE OF LEGAL PROCEEDING IS REQUIRED PURSUANT TO ITEMS 2(d) or 2(e) [ ] N/A - ----------- -------------------------------------------------------------------- 6 CITIZENSHIP OR PLACE OF ORGANIZATION Colorado - --------------------- --------- ------------------------------------------------ 7 SOLE VOTING POWER 936,000 NUMBER OF --------- ------------------------------------------------ SHARES 8 SHARED VOTING POWER BENEFICIALLY OWNED BY EACH 0 REPORTING --------- ------------------------------------------------ PERSON WITH 9 SOLE DISPOSITIVE POWER 936,000 --------- ------------------------------------------------ 10 SHARED DISPOSITIVE POWER 0 - ----------- -------------------------------------------------------------------- 11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 936,000 - ----------- -------------------------------------------------------------------- 12 CHECK IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES (See Instructions) [ ] - ----------- -------------------------------------------------------------------- 13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) 0.5% - ----------- -------------------------------------------------------------------- 14 TYPE OF REPORTING PERSON (See Instructions) IC, CO - ----------- -------------------------------------------------------------------- SCHEDULE 13D - -------------------------- -------------------- CUSIP No. 171232 10 1 Page 6 of 13 Pages - -------------------------- -------------------- - ----------- -------------------------------------------------------------------- 1 NAMES OF REPORTING PERSONS I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS (entities only) Royal & SunAlliance Personal Insurance Company - ----------- -------------------------------------------------------------------- 2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (See Instructions) (a) [X] (b) [ ] - ----------- -------------------------------------------------------------------- 3 SEC USE ONLY - ----------- -------------------------------------------------------------------- 4 SOURCE OF FUNDS (See Instructions) N/A - ----------- -------------------------------------------------------------------- 5 CHECK IF DISCLOSURE OF LEGAL PROCEEDING IS REQUIRED PURSUANT TO ITEMS 2(d) or 2(e) [ ] N/A - ----------- -------------------------------------------------------------------- 6 CITIZENSHIP OR PLACE OF ORGANIZATION New York - --------------------- --------- ------------------------------------------------ 7 SOLE VOTING POWER 402,000 NUMBER OF --------- ------------------------------------------------ SHARES 8 SHARED VOTING POWER BENEFICIALLY OWNED BY EACH 0 PERSON WITH --------- ------------------------------------------------ 9 SOLE DISPOSITIVE POWER 402,000 --------- ------------------------------------------------ 10 SHARED DISPOSITIVE POWER 0 - ----------- -------------------------------------------------------------------- 11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 402,000 - ----------- -------------------------------------------------------------------- 12 CHECK IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES (See Instructions) [ ] - ----------- -------------------------------------------------------------------- 13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) 0.2% - ----------- -------------------------------------------------------------------- 14 TYPE OF REPORTING PERSON (See Instructions) IC, CO - ----------- -------------------------------------------------------------------- SCHEDULE 13D - -------------------------- --------------------- CUSIP No. 171232 10 1 Page 7 of 13 Pages - -------------------------- --------------------- - ----------- -------------------------------------------------------------------- 1 NAMES OF REPORTING PERSONS I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS (entities only) Phoenix Assurance Company of New York - ----------- -------------------------------------------------------------------- 2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (See Instructions) (a) [X] (b) [ ] - ----------- -------------------------------------------------------------------- 3 SEC USE ONLY - ----------- -------------------------------------------------------------------- 4 SOURCE OF FUNDS (See Instructions) N/A - ----------- -------------------------------------------------------------------- 5 CHECK IF DISCLOSURE OF LEGAL PROCEEDING IS REQUIRED PURSUANT TO ITEMS 2(d) or 2(e) [ ] N/A - ----------- -------------------------------------------------------------------- 6 CITIZENSHIP OR PLACE OF ORGANIZATION United States - --------------------- --------- ------------------------------------------------ 7 SOLE VOTING POWER 120,000 NUMBER OF --------- ------------------------------------------------ SHARES 8 SHARED VOTING POWER BENEFICIALLY OWNED BY EACH 0 REPORTING --------- ------------------------------------------------ PERSON WITH 9 SOLE DISPOSITIVE POWER 120,000 --------- ------------------------------------------------ 10 SHARED DISPOSITIVE POWER 0 - ----------- -------------------------------------------------------------------- 11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 120,000 - ----------- -------------------------------------------------------------------- 12 CHECK IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES (See Instructions) [ ] - ----------- -------------------------------------------------------------------- 13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) 0.1% - ----------- -------------------------------------------------------------------- 14 TYPE OF REPORTING PERSON (See Instructions) IC, CO - ----------- -------------------------------------------------------------------- SCHEDULE 13D - -------------------------- ------------------- CUSIP No. 171232 10 1 Page 8 of 13 Pages - -------------------------- ------------------- - ----------- -------------------------------------------------------------------- 1 NAMES OF REPORTING PERSONS I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS (entities only) Royal Indemnity Company - ----------- -------------------------------------------------------------------- 2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (See Instructions) (a) [X] (b) [ ] - ----------- -------------------------------------------------------------------- 3 SEC USE ONLY - ----------- -------------------------------------------------------------------- 4 SOURCE OF FUNDS (See Instructions) N/A - ----------- -------------------------------------------------------------------- 5 CHECK IF DISCLOSURE OF LEGAL PROCEEDING IS REQUIRED PURSUANT TO ITEMS 2(d) or 2(e) [ ] N/A - ----------- -------------------------------------------------------------------- 6 CITIZENSHIP OR PLACE OF ORGANIZATION Delaware - --------------------- --------- ------------------------------------------------ 7 SOLE VOTING POWER 1,068,000 NUMBER OF --------- ------------------------------------------------ SHARES 8 SHARED VOTING POWER BENEFICIALLY OWNED BY EACH 0 REPORTING --------- ------------------------------------------------ PERSON WITH 9 SOLE DISPOSITIVE POWER 1,068,000 --------- ------------------------------------------------ 10 SHARED DISPOSITIVE POWER 0 - ----------- -------------------------------------------------------------------- 11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 1,068,000 - ----------- -------------------------------------------------------------------- 12 CHECK IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES (See Instructions) [ ] - ----------- -------------------------------------------------------------------- 13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) 0.6% - ----------- -------------------------------------------------------------------- 14 TYPE OF REPORTING PERSON (See Instructions) IC, CO - ----------- -------------------------------------------------------------------- This Amendment No. 3 (the "Amendment") amends the Schedule 13D last amended by an Amendment No. 2, dated November 10, 1992 (such Schedule 13D, as so amended, the "Schedule 13D") and is being filed on behalf of Royal & Sun Alliance Insurance Group, plc, ("RSA"), and its subsidiaries, Royal & SunAlliance Insurance plc, The Sea Insurance Company of America, Phoenix Assurance Company of New York, Viking Insurance Company of Wisconsin, Royal & SunAlliance Personal Insurance Company, and Royal Indemnity Company (the "RSA Subsidiaries") (RSA together with the RSA Subsidiaries, the "Reporting Entities"). The Reporting Entities are successors in interest to Sun Alliance Group plc and certain of its subsidiaries, on whose behalf Amendment No. 2 to the Schedule 13D was filed. This Amendment and the Schedule 13D relate to the common stock, par value $1.00, of The Chubb Corporation, a New Jersey corporation (the "Company"). Unless the context otherwise requires, references herein and in the Schedule 13D to the "Common Stock" refer to the Common Stock of the Company, par value $1.00 per share. This Amendment is being filed to report that, as the result of a recent disposition of 6,000,000 shares of Common Stock, the Reporting Entities may no longer be deemed to be the beneficial owners of more than 5% of the outstanding shares of the Common Stock under Rule 13d-3 pursuant to the Securities Exchange Act of 1934 (the "1934 Act"). Page 9 of 13 Item 5. Interest in Securities of the Issuer. Item 5 of the Schedule 13D is hereby amended in its entirety to read as follows: (a)- (b) In the aggregate, RSA and the RSA Subsidiaries beneficially own 3,023,916 shares of the Common Stock, which is 1.7% of the total class of Common Stock outstanding. The following table sets forth the number of shares of Common Stock beneficially owned by RSA and Royal & Sun Alliance Insurance plc, as well as the percentage of the class of shares of Common Stock beneficially owned by RSA and Royal & Sun Alliance Insurance plc: Number of Shares Percentage of Class Person Beneficially Owned Beneficially Owned ------ ------------------ ------------------ RSA 3,023,916 1.7% Royal & Sun Alliance Insurance plc 3,023,916 1.7% Although RSA has the power to vote or direct the voting of and to dispose or direct the disposition of all such Common Stock, the RSA Subsidiaries may also be deemed to be beneficial owners thereof and have the right to receive dividends from, and the proceeds from the sale of, the Common Stock of which they may be deemed to be the sole beneficial owner, as set forth in the following table: - -------------------------------------------------------------------------------- Number of Shares Percentage of Class Which May be Deemed Which May be Deemed Person Beneficially Owned Beneficially Owned - -------------------------------------------------------------------------------- Royal Indemnity Company 1,068,000 0.6% Royal & SunAlliance Personal 0.2% Insurance Company 402,000 The Sea Insurance Company Of America 497,916 0.3% Viking Insurance Company of Wisconsin 936,000 0.5% Phoenix Assurance Company Of New York 120,000 0.1% ========= 3,023,916 1.7% - -------------------------------------------------------------------------------- Page 10 of 13 The percentage figures in the above tables are based upon 175,231,678 shares of Company Stock outstanding, as reported to RSA by the Company on December 3, 2001. (c) Royal & Sun Alliance Insurance plc sold 6,000,000 shares of Common Stock on December 5, 2001 at approximately $65.80 per share. The disposition was effected in a negotiated block transaction with Goldman Sachs International. To the best knowledge of the Reporting Entities none of the executive officers or directors of RSA or the RSA Subsidiaries have effected any transactions in the Common Stock of the Company in the past sixty days except as set forth herein. (d) Not applicable (e) On December 5, 2001, RSA ceased to be the beneficial owner of more than 5% of the Common Stock pursuant to Rule 13-d under the 1934 Act. Page 11 of 13 SIGNATURES After reasonable inquiry and to the best of our knowledge and belief, the undersigned certify that the information set forth in this statement is true, complete and correct. Dated: December 13, 2001 Royal & SunAlliance Insurance Group plc By: /s/ Jan Miller ------------------------------------ Name: Jan Miller Title: Group Company Secretary Royal & SunAlliance Insurance plc By: /s/ Jan Miller ------------------------------------ Name: Jan Miller Title: Group Company Secretary Viking Insurance Company Of Wisconsin By: /s/ Joyce W. Wheeler ------------------------------------ Name: Joyce W. Wheeler Title: Senior Vice President The Sea Insurance Company of America By: /s/ Joyce W. Wheeler ------------------------------------ Name: Joyce W. Wheeler Title: Senior Vice President Royal & SunAlliance Personal Insurance Company By: /s/ Joyce W. Wheeler ------------------------------------ Name: Joyce W. Wheeler Title: Senior Vice President Phoenix Assurance Company of New York By: /s/ Joyce W. Wheeler ------------------------------------ Name: Joyce W. Wheeler Title: Senior Vice President Page 12 of 13 Royal Indemnity Company By: /s/ Joyce W. Wheeler ------------------------------------ Name: Joyce W. Wheeler Title: Senior Vice President Page 13 of 13 -----END PRIVACY-ENHANCED MESSAGE-----