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These documents are for general informational purposes only. While we have attempted to provide current, accurate and clearly expressed information, this information is provided “as is” and neither Fred Brown Insurance Brokerage nor Fred Brown Property & Casualty make any representations or warranties regarding accuracy or completeness. The information provided should not be construed as legal or tax advice or as a recommendation of any kind. External users should seek professional advice from their own attorneys and tax advisers with respect to their individual circumstances and needs. Moreover, please contact Fred Brown Insurance Brokerage or Fred Brown Property & Casualty directly for insurance agent advice.