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Explanation of Responses:
( 1) The stock options reported under item 5 above were granted to each member of lssurer's Board as equity compensation under the Issuer's Board Compensation Policy, approved by the Board on June 19, 2015. The options granted under item 5 vest at the rate of 1/12 per month, commencing January 1, 2016, with full vesting on December 31, 2016.
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