# Profoundd archive — Epstein Files # Bates number: EFTA01808093 # Title: From: Dave Johnson < # Dataset: 10 # Pages: 12 # Images: 12 detected # Tags: epstein, doj, dataset-10, image-described # Source PDF: https://profoundd.com/epstein-docs/EFTA01808093/download # Doc viewer: https://profoundd.com/epstein-docs/EFTA01808093 # # Text below is what Profoundd has extracted from the source PDF. # 'ocr-enriched' tag means OCR was applied to scan-only pages. # Image descriptions are AI-generated factual captions (llava:13b). #---------------------------------------------------------------------- === SUMMARY === From: Dave Johnson < Sent: Monday, December 19, 2016 4:03 PM To: Allan Wilson Cc: Myla Baker US Subject: Re: Te Manu - Myla Trestiza - 16/237 Hi Allan, Good to hear from you, I hope all'= well in Yorkshire & Te Manu made it safely across to the Caribbean =nbsp; I received conformation from Myla that =he insurance form was completed & signed by her immediately prior =o disembarking from Te Manu (Barcelona) in September 2016 The completed forms were =igned & given to Capt James to scan & forward v === EXTRACTED TEXT === From: Dave Johnson < Sent: Monday, December 19, 2016 4:03 PM To: Allan Wilson Cc: Myla Baker US Subject: Re: Te Manu - Myla Trestiza - 16/237 Hi Allan, Good to hear from you, I hope all'= well in Yorkshire & Te Manu made it safely across to the Caribbean =nbsp; I received conformation from Myla that =he insurance form was completed & signed by her immediately prior =o disembarking from Te Manu (Barcelona) in September 2016 The completed forms were =igned & given to Capt James to scan & forward via email to =YM Myla =eceived assurance from Capt. J that the documents would be forwarded to =YM but she never received a copy of the email confirming that the =ompleted documents were sent. Please check with Capt James & =pdate Myla when the documents have been received. DAVE JOHNSON email: apialoggionias On Dec 19, 2016, at 8:51 AM, Allan Wilson wrote: Best Regards Allan Wilson Wilson Yacht =anagement &nbs=; =nbsp; &n=sp; &nb=p; = &=bsp; UK Office Tel: +44 (0)1482 648322 Fax: +44 (0)1482 648277 E Fax +44 (0) 8701 358555 Gsm: +44 (0)7802 684438 USA =ffice &n=sp; &nbs=; Tel: +1 954 =24 9030 E fax +1 =75 806 9725 EFTA_R1_00156836 EFTA01808093 USA Cell +1 954 235 =377 Email: allan@wilsonyachtmanagement.com Web: www.wilsonyachtmanagement.com UK Office 116/18a Hull Road I Hessle I East Yorkshire I HU13 =AH USA Office I 2019 SW 20 Street I Suite 105 I Fort =auderdale I Florida 3331 cimage002.png> Copyright © =ilson Yacht Management CONFIDENTIALITY NOTICE: This email (including all =ttachments) is for the intended recipient only and may contain =onfidential information, some of which my be privileged. Please be =dvised that any disclosure, copying, distribution or use of any part of =he information contained is prohibited. If you received this email in =rror, please destroy the original email and its attachment and notify =e immediately. Thank you From: Allan Wilson Sent: 19 =ecember 2016 13:50 To: 'M la Trestiza' Cc: Subjec e • anu a res iza = Hi Myla ; =hili bake Please see below email from the =nsurance company regarding the claim and payment for the treatment you =eceived in order for the insurance to pay the outstanding invoice =irect please read the email and complete the attached form as requested = Many =hanks Best Regards Allan Wilson Wilson Yacht =anagement &nbs=; =nbsp; &n=sp; &nb=p; &=bsp; UK Office Tel: +44 (0)1482 648322 Fax: +44(0)1482 648277 E Fax +44 (0) 8701 358555 Gsm: +44 (0)7802 684438 USA =ffice &n=sp; &nbs=; Tel: +1 954 =24 9030 E fax +1 =75 806 9725 USA Cell +1 954 235 =377 Email: allan@wilsonyachtmanagement.com Web: www.wilsonyachtmanagement.com UK Office I 16/18a Hull Road I Hessle I East Yorkshire HU13 =AH USA Office I 2019 SW 20 Street I Suite 105 I Fort =auderdale I Florida 3331 Copyright © =ilson Yacht Management 2 EFTA_R1_00156837 EFTA01808094 CONFIDENTIALITY NOTICE: This email (including all =ttachments) is for the intended recipient only and may contain =onfidential information, some of which my be privileged. Please be =dvised that any disclosure, copying, distribution or use of any part of =he information contained is prohibited. If you received this email in =rror, please destroy the original email and its attachment and notify =e immediately. Thank you From: Clementine Kingstone Sent: 14 =ecember 2016 19:09 To: Allan Wilson Cc: Burr =aylor IMPORTANT NOTICE-THE (UK) INSURANCE ACT 2015 On the 12th August 2016 the new (UK) =nsurance Act came into force and we need to inform you of the following =hanger that we are highlighting to all of our clients. The Insurance Act =The Act) will apply to all new insurances, renewals and any changes to =nsurance requirements effective on or after the 12th August 2016. The Act =equires that a fair presentation of the risk is made as failure to do =o could result in avoidance of the policy and retention of the premium =if failure to make a fair presentation is deliberate or reckless), or =f different terms being adopted to consider how the risk would have =een underwritten had fair presentation been made, which could result in =nly partial payment of any relevant claim. As your Broker we have = key role in ensuring that you are aware of and comply with the updated =equirements. Insurance Law for contracts subject =o the laws of England & Wales has changed since your last renewal =nd, in order that you may comply with your obligations please be =dvised of the undernoted requirements, which differ to those previously =n place: Duty =f Disclosure You have a duty to make a fair =resentation of the risk to the insurer, via Sturge Taylor & Assoc, =f every material circumstance which you ( or a member of your =rganisation, employee, Captain, Crew, management team etc ) =now or ought to know in relation to the risk placed and this duty is =pplicable before the cover is placed, when it is renewed and at any =ime throughout the contract if the risk changes. A circumstance =s material if it would influence the judgement of an Insurer / =einsurer in determining whether to take the risk and, if so, on what =erms. If you are in any doubt whether a circumstance is material =e recommend that it should be disclosed. Disclosure will be considered fair =f it is made in a manner that is reasonably clear and accessible and =he facts represented are correct and made in good faith. Failure =o disclose a material circumstance may entitle an insurer to impose =ifferent terms on your cover or proportionately reduce the amount of =ny claim payable. In the event that non-disclosure was deliberate =r reckless an insurer will be entitled to avoid the policy from =nception and retain the premium paid. This would result in any claims =nder the policy not being paid. Conditions Precedent You must also take =articular note of any conditions precedent that appear in the =olicy. If a condition precedent to the validity of this policy or =0 the commencement of the risk is not complied with, the insurer will =ot come on risk. If a condition precedent to the Insurers =iability under this policy is not complied with, the insurer may not be =iable for the loss in question. A condition precedent may exist =n the policy using other terminology and without reference to the words =E240.condition precedent'. It is very important that you read =he full policy carefully when it is received and, if you are unsure of, =r are unable to comply with any provisions therein, please let Sturge =aylor & Assoc know immediately. Contracting Out Some Insurers have exercised their right to opt out of the =equirements of the new act. In the event that this effects the =nsurances we have placed for you we will advise you accordingly. We have =roduced a simple guide to help you through some of the changes within =he Insurance Act which, if not attached to this email it is available =n request. If you would like further information please contact =s and we will endeavour to help. Registered =ffice: Sturge Taylor & Associates Ltd., Highfield Court, Tollgate, =handlers Ford, Eastleigh, Hampshire 5O14 3TY 4 EFTA_R1_00156839 EFTA01808096 Registered in England No. =706480 Authorised and =egulated by the Financial Conduct Authority www.sturgeyachts.com IMPORTANT: This =-mail (including all attachments) is confidential and may be =rivileged. It may be read, copied and used only by the intended =ecipients, and must not be re-transmitted in an amended form without =ur consent. If you have received it in error, please contact us =mmediately by return e-mail or by telephone. Please then delete it and =o not disclose its contents to any other person. We operate anti-virus programmes but you must take full =esponsibility for virus checking. From: Clementine Kingstone Sent: 07 =ecember 2016 16:53 To: 'Allan Wilson' Cc: Burr =aylor IMPORTANT NOTICE-THE (UK) INSURANCE ACT 2015 5 EFTA_R1_00156840 EFTA01808097 On the 12th August 2016 the new (UK) =nsurance Act came into force and we need to inform you of the following =hanges that we are highlighting to all of our clients. The Insurance Act =The Act) will apply to all new insurances, renewals and any changes to =nsurance requirements effective on or after the 12th August 2016. The Act =equires that a fair presentation of the risk is made as failure to do =o could result in avoidance of the policy and retention of the premium =if failure to make a fair presentation is deliberate or reckless), or =f different terms being adopted to consider how the risk would have =een underwritten had fair presentation been made, which could result in =nly partial payment of any relevant claim. As your Broker we have = key role in ensuring that you are aware of and comply with the updated =equirements. Insurance Law for contracts subject =o the laws of England & Wales has changed since your last renewal =nd, in order that you may comply with your obligations please be =dvised of the undernoted requirements, which differ to those previously =n place: Duty =f Disclosure You have a duty to make a fair =resentation of the risk to the insurer, via Sturge Taylor & Assoc, =f every material circumstance which you ( or a member of your =rganisation, employee, Captain, Crew, management team etc ) =now or ought to know in relation to the risk placed and this duty is =pplicable before the cover is placed, when it is renewed and at any =ime throughout the contract if the risk changes. A circumstance =s material if it would influence the judgement of an Insurer / =einsurer in determining whether to take the risk and, if so, on what =erms. If you are in any doubt whether a circumstance is material =e recommend that it should be disclosed. Disclosure will be considered fair =f it is made in a manner that is reasonably clear and accessible and =he facts represented are correct and made in good faith. Failure =o disclose a material circumstance may entitle an insurer to impose =ifferent terms on your cover or proportionately reduce the amount of =ny claim payable. In the event that non-disclosure was deliberate =r reckless an insurer will be entitled to avoid the policy from =nception and retain the premium paid. This would result in any claims =nder the policy not being paid. Conditions Precedent You must also take =articular note of any conditions precedent that appear in the =olicy. If a condition precedent to the validity of this policy or =o the commencement of the risk is not complied with, the insurer will =ot come on risk. If a condition precedent to the Insurers =iability under this policy is not complied with, the insurer may not be =iable for the loss in question. A condition precedent may exist =n the policy using other terminology and without reference to the words =E244condition precedent'. It is very important that you read =he full policy carefully when it is received and, if you are unsure of, =r are unable to comply with any provisions therein, please let Sturge =aylor & Assoc know immediately. Contracting Out Some Insurers have exercised their right to opt out of the =equirements of the new act. In the event that this effects the =nsurances we have placed for you we will advise you accordingly. We have =roduced a simple guide to help you through some of the changes within =he Insurance Act which, if not attached to this email it is available =n request. If you would like further information please contact =s and we will endeavour to help. Registered =ffice: Sturge Taylor & Associates Ltd., Highfield Court, Tollgate, =handlers Ford, Eastleigh, Hampshire 5O14 3TY Registered in England No. =706480 Authorised and =egulated by the Financial Conduct Authority www.sturgeyachts.com IMPORTANT: This =-mail (including all attachments) is confidential and may be =rivileged. It may be read, copied and used only by the intended =ecipients, and must not be re-transmitted in an amended form without =ur consent. If 6 EFTA_R1_00156841 EFTA01808098 you have received it in error, please contact us =mmediately by return e-mail or by telephone. Please then delete it and =o not disclose its contents to any other person. We operate anti-virus programmes but you must take full =esponsibility for virus checking. From: Clementine Kingstone Sent: 26 =ctober 2016 15:47 To: Allan Wilson Cc: Burr =aylor IMPORTANT NOTICE-THE (UK) INSURANCE ACT 2015 On the 12th August 2016 the new (UK) =nsurance Act came into force and we need to inform you of the following =hanges that we are highlighting to all of our clients. The Insurance Act =The Act) will apply to all new insurances, renewals and any changes to =nsurance requirements effective on or after the 12th August 2016. The Act =equires that a fair presentation of the risk is made as failure to do =o could result in avoidance of the policy and retention of the premium =if failure to make a fair presentation is deliberate or reckless), or =f different terms being adopted to consider how the risk would have =een underwritten had fair presentation been made, which could result in =nly partial payment of any relevant claim. As your Broker we have = key role in ensuring that you are aware of and comply with the updated =equirements. Insurance Law for contracts subject =o the laws of England & Wales has changed since your last renewal =nd, in order that you may comply with your obligations please be =dvised of the undernoted requirements, which differ to those previously =n place: Duty =f Disclosure You have a duty to make a fair =resentation of the risk to the insurer, via Sturge Taylor & Assoc, =f every material circumstance which you ( or a member of your =rganisation, employee, Captain, Crew, management team etc ) =now or ought to know in relation to the risk placed and this duty is =pplicable before the cover is placed, when it is renewed and at any =ime throughout the contract if the risk changes. A circumstance =s material if it would influence 7 EFTA_R1_00156842 EFTA01808099 the judgement of an Insurer / =einsurer in determining whether to take the risk and, if so, on what =erms. If you are in any doubt whether a circumstance is material =e recommend that it should be disclosed. Disclosure will be considered fair =f it is made in a manner that is reasonably clear and accessible and =he facts represented are correct and made in good faith. Failure =o disclose a material circumstance may entitle an insurer to impose =ifferent terms on your cover or proportionately reduce the amount of =ny claim payable. In the event that non-disclosure was deliberate =r reckless an insurer will be entitled to avoid the polity from =nception and retain the premium paid. This would result in any claims =nder the policy not being paid. Conditions Precedent You must also take =articular note of any conditions precedent that appear in the =olicy. If a condition precedent to the validity of this policy or =o the commencement of the risk is not complied with, the insurer will =ot come on risk. If a condition precedent to the Insurers =iability under this policy is not complied with, the insurer may not be =iable for the loss in question. A condition precedent may exist =n the policy using other terminology and without reference to the words =E24>Qcondition precedent'. It is very important that you read =he full policy carefully when it is received and, if you are unsure of, =r are unable to comply with any provisions therein, please let Sturge =aylor & Assoc know immediately. Contracting Out Some Insurers have exercised their right to opt out of the =equirements of the new act. In the event that this effects the =nsurances we have placed for you we will advise you accordingly. We have =roduced a simple guide to help you through some of the changes within =he Insurance Act which, if not attached to this email it is available =n request. If you would like further information please contact =s and we will endeavour to help. Registered =ffice: Sturge Taylor & Associates Ltd., Highfield Court, Tollgate, =handlers Ford, Eastleigh, Hampshire 5O14 3TY Registered in England No. =706480 Authorised and =egulated by the Financial Conduct Authority www.sturgeyachts.com IMPORTANT: This "...mail (including all attachments) is confidential and may be =rivileged. It may be read, copied and used only by the intended =ecipients, and must not be re-transmitted in an amended form without =ur consent. If you have received it in error, please contact us =mmediately by return e-mail or by telephone. Please then delete it and =o not disclose its contents to any other person. We operate anti-virus programmes but you must take full =esponsibility for virus checking. From: Clementine Kingstone Sent: 12 =ctober 2016 09:31 To: 'Allan Wilson' Cc: Burr =aylor IMPORTANT NOTICE-THE (UK) INSURANCE ACT 2015 On the 12th August 2016 the new (UK) =nsurance Act came into force and we need to inform you of the following =hanger that we are highlighting to all of our clients. The Insurance Act =The Act) will apply to all new insurances, renewals and any changes to =nsurance requirements effective on or after the 12th August 2016. The Act =equires that a fair presentation of the risk is made as failure to do =o could result in avoidance of the policy and retention of the premium =if failure to make a fair presentation is deliberate or reckless), or =f different terms being adopted to consider how the risk would have =een underwritten had fair presentation been made, which could result in =nly partial payment of any relevant claim. As your Broker we have = key role in ensuring that you are aware of and comply with the updated =equirements. Insurance Law for contracts subject =o the laws of England & Wales has changed since your last renewal =nd, in order that you may comply with your obligations please be =dvised of the undernoted requirements, which differ to those previously =n place: Duty =f Disclosure You have a duty to make a fair =resentation of the risk to the insurer, via Sturge Taylor & Assoc, =f every material circumstance which you ( or a member of your =rganisation, employee, Captain, Crew, management team etc ) =now or ought to know in relation to the risk placed and this duty is =pplicable before the cover is placed, when it is renewed and at any =ime throughout the contract if the risk changes. A circumstance =s material if it would influence the judgement of an Insurer / =einsurer in determining whether to take the risk and, if so, on what =erms. If you are in any doubt whether a circumstance is material =e recommend that it should be disclosed. Disclosure will be considered fair =f it is made in a manner that is reasonably clear and accessible and =he facts represented are correct and made in good faith. Failure =o disclose a material circumstance may entitle an insurer to impose =ifferent terms on your cover or proportionately reduce the amount of =ny claim payable. In the event that non-disclosure was deliberate =r reckless an insurer will be entitled to avoid the policy from =nception and retain the premium paid. This would result in any claims =nder the policy not being paid. Conditions Precedent You must also take =articular note of any conditions precedent that appear in the =olicy. If a condition precedent to the validity of this policy or =o the commencement of the risk is not complied with, the insurer will =ot come on risk. If a condition precedent to the Insurers =iability under this policy is not complied with, the insurer may not be =iable for the loss in question. A condition precedent may exist =n the policy using other terminology and without reference to the words =E244condition precedent'. It is very important that you read =he full policy carefully when it is received and, if you are unsure of, =r are unable to comply with any provisions therein, please let Sturge =aylor & Assoc know immediately. Contracting Out 9 EFTA_R1_00156844 EFTA01808101 Some Insurers have exercised their right to opt out of the =equirements of the new act. In the event that this effects the =nsurances we have placed for you we will advise you accordingly. We have =roduced a simple guide to help you through some of the changes within =he Insurance Act which, if not attached to this email it is available =n request. If you would like further information please contact =s and we will endeavour to help. Registered =ffice: Sturge Taylor & Associates Ltd., Highfield Court, Tollgate, =handlers Ford, Eastleigh, Hampshire 5014 3TY Registered in England No. =706480 Authorised and =egulated by the Financial Conduct Authority www.sturgeyachts.com IMPORTANT: This It-mail (including all attachments) is confidential and may be =rivileged. It may be read, copied and used only by the intended =ecipients, and must not be re-transmitted in an amended form without =ur consent. If you have received it in error, please contact us =mmediately by return e-mail or by telephone. Please then delete it and =o not disclose its contents to any other person. We operate anti-virus programmes but you must take full =esponsibility for virus checking. From: Allan Wilson Imailto:Allan@wilsonyachtmanagement.com] Sent: 16 =eptember 2016 09:21 To: Clementine Kingstone Cc: Burr =aylor UK Office 16/18a Hull Road I Hessle East Yorkshire = HU13 OAH USA Office 12019 SW 20 Street I Suite 105 Fort =auderdale I Florida 3331 10 EFTA_R1_00156845 EFTA01808102 cimage008.png> Copyright =C2* Wilson Yacht Management CONFIDENTIALITY NOTICE: This =mail (including all attachments) is for the intended recipient only and =ay contain confidential information, some of which my be privileged. =lease be advised that any disclosure, copying, distribution or use of =ny part of the information contained is prohibited. If you received =his email in error, please destroy the original email and its =ttachment and notify me immediately. Thank you From: Clementine Kingstone [mailto:ckingstone@sturgetaylor.com] Sent: 15 =eptember 2016 17:01 To: Allan Wilson Cc: Burr =aylor Subject: Te Manu • y a restiza • = Dear Allan I refer =o the above claim and understand from Underwriters medical assistance =ompany, CEGA that Myla resumed her duties on 23rd July=2016. I therefore look forward to receiving the completed claim =orm, supporting documentation and any costs incurred by the Insured, in =rder that I can proceed towards finalising this claim with insurers on =he Insured's behalf. Kind regards Clem Clementine Kingstone ACII Claims Handler Sturge=Taylor & Associates Ltd Notebeme =ouse, 84 High St, Southampton, 5O14 2NT, United Kingdom Tel = Fax + 44 2380 051381 IMPORTANT NOTICE-THE (UK) INSURANCE ACT 2015 On the 12th August 2016 the new (UK) =nsurance Act came into force and we need to inform you of the following =hanges that we are highlighting to all of our clients. The Insurance Act =The Act) will apply to all new insurances, renewals and any changes to =nsurance requirements effective on or after the 12th August 2016. The Act =equires that a fair presentation of the risk is made as failure to do =o could result in avoidance of the policy and retention of the premium =if failure to make a fair presentation is deliberate or reckless), or =f different terms being adopted to consider how the risk would have =een underwritten had fair presentation been made, which could result in =nly partial payment of any relevant claim. As your Broker we have = key role in ensuring that you are aware of and comply with the updated =equirements. 11 EFTA_R1_00156846 EFTA01808103 Insurance Law for contracts subject =o the laws of England & Wales has changed since your last renewal =nd, in order that you may comply with your obligations please be =dvised of the undernoted requirements, which differ to those previously =n place: Duty =f Disclosure You have a duty to make a fair =resentation of the risk to the insurer, via Sturge Taylor & Assoc, =f every material circumstance which you ( or a member of your =rganisation, employee, Captain, Crew, management team etc ) =now or ought to know in relation to the risk placed and this duty is =pplicable before the cover is placed, when it is renewed and at any =ime throughout the contract if the risk changes. A circumstance =s material if it would influence the judgement of an Insurer / =einsurer in determining whether to take the risk and, if so, on what =erms. If you are in any doubt whether a circumstance is material =e recommend that it should be disclosed. Disclosure will be considered fair =f it is made in a manner that is reasonably clear and accessible and =he facts represented are correct and made in good faith. Failure =o disclose a material circumstance may entitle an insurer to impose =ifferent terms on your cover or proportionately reduce the amount of =ny claim payable. In the event that non-disclosure was deliberate =r reckless an insurer will be entitled to avoid the policy from =nception and retain the premium paid. This would result in any claims =nder the policy not being paid. Conditions Precedent You must also take =articular note of any conditions precedent that appear in the =olicy. If a condition precedent to the validity of this policy or =o the commencement of the risk is not complied with, the insurer will =ot come on risk. If a condition precedent to the Insurers =iability under this policy is not complied with, the insurer may not be =iable for the loss in question. A condition precedent may exist =n the policy using other terminology and without reference to the words =E244condition precedent'. It is very important that you read =he full policy carefully when it is received and, if you are unsure of, =r are unable to comply with any provisions therein, please let Sturge =aylor & Assoc know immediately. Contracting Out Some Insurers have exercised their right to opt out of the =equirements of the new act. In the event that this effects the =nsurances we have placed for you we will advise you accordingly. We have =roduced a simple guide to help you through some of the changes within =he Insurance Act which, if not attached to this email it is available =n request. If you would like further information please contact =s and we will endeavour to help. Registered =ffice: Sturge Taylor & Associates Ltd., Highfield Court, Tollgate, =handlers Ford, Eastleigh, Hampshire SO14 3TY Registered in England No. =706480 Authorised and =egulated by the Financial Conduct Authority www.sturgeyachts.com IMPORTANT: This =-mail (including all attachments) is confidential and may be =rivileged. It may be read, copied and used only by the intended =ecipients, and must not be re-transmitted in an amended form without =ur consent. If you have received it in error, please contact us =mmediately by return e-mail or by telephone. Please then delete it and =o not disclose its contents to any other person. We operate anti-virus programmes but you must take full =esponsibility for virus checking. 12 EFTA_R1_00156847 EFTA01808104 === IMAGE DESCRIPTIONS === [Image 1] The image shows a document with text, which appears to be a page from a book or a manual. The text is dense and seems to be discussing insurance-related topics, specifically mentioning the Insurance Act. There are no visible names, dates, places, or logos that can be discerned from the image. The document is not a photograph but a scan of a printed page. The text is too small to read in detail, bu [Image 2] The image is a photograph of a document, specifically a letter or a report. The document contains text, which appears to be a formal communication, possibly related to legal or insurance matters. The text includes references to "Insurance Act 2015," "Insurance Law," and "Insurance Law." There are also mentions of "presentation," "evidence," and "experience." The document is structured with heading [Image 3] The image is a photograph of a document with text. The document appears to be a letter or a report, as indicated by the header and the structured paragraphs. The text is too small to read in detail, but it seems to be discussing legal matters or a contractual agreement. There are no visible names, dates, places, or logos that can be discerned from this image. The document is printed on standard le [Image 4] The image shows a document with text, which appears to be a letter or a report. The document is titled "Supporting Statement" and mentions "The Insurance Act 2015." It contains text that discusses the application of the Insurance Act and its impact on insurance policies. The document is addressed to a recipient named "Clare Henderson" and includes a date and a reference number. The text is written [Image 5] The image shows a document that appears to be a letter or an email. It contains text and a signature at the bottom. The document is addressed to a recipient, and it discusses a change in the terms of an agreement or contract. The text mentions a "Clinical Trial Agreement" and refers to a "Clinical Trial Agreement with the CRO." There are also references to "Clinical Trial Agreement with the CRO," [Image 6] The image is a photograph of a document, which appears to be a letter or a report. The document contains text, and there are visible names, dates, and a logo at the top. The text discusses a matter of importance, possibly related to a legal or official notice. The document is addressed to a specific individual or organization, and it includes a date and a signature at the bottom. The logo at the t