<META HTTP-EQUIV="Content-Type" CONTENT="text/html; charset=iso-8859-1">
<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:m="http://schemas.microsoft.com/office/2004/12/omml" xmlns="http://www.w3.org/TR/REC-html40"><head><meta name=Generator content="Microsoft Word 14 (filtered medium)"><!--[if !mso]><style>v\:* {behavior:url(#default#VML);}
o\:* {behavior:url(#default#VML);}
w\:* {behavior:url(#default#VML);}
.shape {behavior:url(#default#VML);}
</style><![endif]--><style><!--
/* Font Definitions */
@font-face
{font-family:Wingdings;
panose-1:5 0 0 0 0 0 0 0 0 0;}
@font-face
{font-family:"Cambria Math";
panose-1:2 4 5 3 5 4 6 3 2 4;}
@font-face
{font-family:Cambria;
panose-1:2 4 5 3 5 4 6 3 2 4;}
@font-face
{font-family:Calibri;
panose-1:2 15 5 2 2 2 4 3 2 4;}
@font-face
{font-family:Tahoma;
panose-1:2 11 6 4 3 5 4 4 2 4;}
@font-face
{font-family:Consolas;
panose-1:2 11 6 9 2 2 4 3 2 4;}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
{margin:0in;
margin-bottom:.0001pt;
line-height:115%;
font-size:12.0pt;
font-family:"Times New Roman","serif";
color:black;}
h1
{mso-style-priority:9;
mso-style-link:"Heading 1 Char";
margin-top:24.0pt;
margin-right:0in;
margin-bottom:0in;
margin-left:0in;
margin-bottom:.0001pt;
line-height:115%;
page-break-after:avoid;
font-size:14.0pt;
font-family:"Cambria","serif";
color:#365F91;}
a:link, span.MsoHyperlink
{mso-style-priority:99;
color:blue;
text-decoration:underline;}
a:visited, span.MsoHyperlinkFollowed
{mso-style-priority:99;
color:purple;
text-decoration:underline;}
pre
{mso-style-priority:99;
mso-style-link:"HTML Preformatted Char";
margin:0in;
margin-bottom:.0001pt;
font-size:10.0pt;
font-family:"Courier New";
color:black;}
p.MsoAcetate, li.MsoAcetate, div.MsoAcetate
{mso-style-priority:99;
mso-style-link:"Balloon Text Char";
margin:0in;
margin-bottom:.0001pt;
font-size:8.0pt;
font-family:"Tahoma","sans-serif";
color:black;}
span.Heading1Char
{mso-style-name:"Heading 1 Char";
mso-style-priority:9;
mso-style-link:"Heading 1";
font-family:"Cambria","serif";
color:#365F91;
font-weight:bold;}
span.HTMLPreformattedChar
{mso-style-name:"HTML Preformatted Char";
mso-style-priority:99;
mso-style-link:"HTML Preformatted";
font-family:Consolas;
color:black;}
span.BalloonTextChar
{mso-style-name:"Balloon Text Char";
mso-style-priority:99;
mso-style-link:"Balloon Text";
font-family:"Tahoma","sans-serif";
color:black;}
span.HTMLconformatoprevioCar
{mso-style-name:"HTML con formato previo Car";
mso-style-priority:99;
mso-style-link:"HTML con formato previo";
font-family:Consolas;
color:black;}
p.HTMLconformatoprevio, li.HTMLconformatoprevio, div.HTMLconformatoprevio
{mso-style-name:"HTML con formato previo";
mso-style-link:"HTML con formato previo Car";
margin:0in;
margin-bottom:.0001pt;
line-height:115%;
font-size:12.0pt;
font-family:"Times New Roman","serif";
color:black;}
span.TextodegloboCar
{mso-style-name:"Texto de globo Car";
mso-style-priority:99;
mso-style-link:"Texto de globo";
font-family:"Tahoma","sans-serif";
color:black;}
p.Textodeglobo, li.Textodeglobo, div.Textodeglobo
{mso-style-name:"Texto de globo";
mso-style-link:"Texto de globo Car";
margin:0in;
margin-bottom:.0001pt;
line-height:115%;
font-size:12.0pt;
font-family:"Times New Roman","serif";
color:black;}
span.EmailStyle26
{mso-style-type:personal;
font-family:"Calibri","sans-serif";
color:#1F497D;}
span.EmailStyle27
{mso-style-type:personal;
font-family:"Calibri","sans-serif";
color:#1F497D;}
span.EmailStyle28
{mso-style-type:personal;
font-family:"Calibri","sans-serif";
color:#1F497D;
font-weight:normal;
font-style:normal;}
span.EmailStyle29
{mso-style-type:personal-reply;
font-family:"Calibri","sans-serif";
color:#1F497D;}
.MsoChpDefault
{mso-style-type:export-only;
font-size:10.0pt;}
@page WordSection1
{size:8.5in 11.0in;
margin:70.85pt 85.05pt 70.85pt 85.05pt;}
div.WordSection1
{page:WordSection1;}
/* List Definitions */
@list l0
{mso-list-id:166790896;
mso-list-template-ids:-1033868954;}
@list l1
{mso-list-id:263342548;
mso-list-template-ids:934476860;}
@list l1:level1
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l1:level2
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:1.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:"Courier New";
mso-bidi-font-family:"Times New Roman";}
@list l1:level3
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:1.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l1:level4
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:2.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l1:level5
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:2.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l1:level6
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:3.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l1:level7
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:3.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l1:level8
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:4.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l1:level9
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:4.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l2
{mso-list-id:443114698;
mso-list-template-ids:-740540306;}
@list l2:level1
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l2:level2
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:1.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:"Courier New";
mso-bidi-font-family:"Times New Roman";}
@list l2:level3
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:1.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l2:level4
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:2.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l2:level5
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:2.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l2:level6
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:3.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l2:level7
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:3.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l2:level8
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:4.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l2:level9
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:4.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l3
{mso-list-id:486021226;
mso-list-template-ids:-2094614096;}
@list l4
{mso-list-id:506333814;
mso-list-template-ids:-42041196;}
@list l4:level1
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l4:level2
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:1.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:"Courier New";
mso-bidi-font-family:"Times New Roman";}
@list l4:level3
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:1.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l4:level4
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:2.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l4:level5
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:2.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l4:level6
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:3.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l4:level7
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:3.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l4:level8
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:4.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l4:level9
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:4.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l5
{mso-list-id:531501143;
mso-list-template-ids:370285896;}
@list l6
{mso-list-id:632908376;
mso-list-template-ids:-145342244;}
@list l7
{mso-list-id:917053351;
mso-list-template-ids:-139556630;}
@list l8
{mso-list-id:1072317300;
mso-list-template-ids:-670931570;}
@list l8:level1
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l8:level2
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:1.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:"Courier New";
mso-bidi-font-family:"Times New Roman";}
@list l8:level3
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:1.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l8:level4
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:2.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l8:level5
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:2.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l8:level6
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:3.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l8:level7
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:3.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l8:level8
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:4.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l8:level9
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:4.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l9
{mso-list-id:1219394652;
mso-list-template-ids:729973850;}
@list l9:level1
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l9:level2
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:1.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:"Courier New";
mso-bidi-font-family:"Times New Roman";}
@list l9:level3
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:1.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l9:level4
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:2.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l9:level5
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:2.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l9:level6
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:3.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l9:level7
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:3.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l9:level8
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:4.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l9:level9
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:4.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l10
{mso-list-id:1224678767;
mso-list-template-ids:-1446980584;}
@list l11
{mso-list-id:1412968568;
mso-list-template-ids:1687035786;}
@list l11:level1
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l11:level2
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:1.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:"Courier New";
mso-bidi-font-family:"Times New Roman";}
@list l11:level3
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:1.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l11:level4
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:2.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l11:level5
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:2.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l11:level6
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:3.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l11:level7
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:3.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l11:level8
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:4.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l11:level9
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:4.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l12
{mso-list-id:1504205589;
mso-list-template-ids:-430122084;}
@list l12:level1
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l12:level2
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:1.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:"Courier New";
mso-bidi-font-family:"Times New Roman";}
@list l12:level3
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:1.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l12:level4
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:2.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l12:level5
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:2.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l12:level6
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:3.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l12:level7
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:3.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l12:level8
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:4.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l12:level9
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:4.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l13
{mso-list-id:1680422042;
mso-list-template-ids:1910666348;}
@list l14
{mso-list-id:2070687575;
mso-list-template-ids:-808547680;}
@list l15
{mso-list-id:2115902274;
mso-list-template-ids:-295512474;}
@list l15:level1
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l15:level2
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:1.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:"Courier New";
mso-bidi-font-family:"Times New Roman";}
@list l15:level3
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:1.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l15:level4
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:2.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l15:level5
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:2.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l15:level6
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:3.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l15:level7
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:3.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l15:level8
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:4.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l15:level9
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:4.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l6:level1 lfo3
{mso-level-start-at:2;}
@list l14:level1 lfo5
{mso-level-start-at:3;}
@list l10:level1 lfo7
{mso-level-start-at:4;}
@list l5:level1 lfo9
{mso-level-start-at:5;}
@list l3:level1 lfo11
{mso-level-start-at:6;}
@list l0:level1 lfo13
{mso-level-start-at:7;}
@list l13:level1 lfo15
{mso-level-start-at:8;}
ol
{margin-bottom:0in;}
ul
{margin-bottom:0in;}
--></style><!--[if gte mso 9]><xml>
<o:shapedefaults v:ext="edit" spidmax="1026" />
</xml><![endif]--><!--[if gte mso 9]><xml>
<o:shapelayout v:ext="edit">
<o:idmap v:ext="edit" data="1" />
</o:shapelayout></xml><![endif]--></head><body bgcolor=white lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal><span style='font-size:11.0pt;line-height:115%;font-family:"Calibri","sans-serif";color:#1F497D'>Thanks, Rick. For any CA looking into cyber insurance coverage, here are some lists of nominees for best insurers and advisors (from an announcement I received about an upcoming industry event).<o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal'><strong>Cyber Risk Experts</strong><o:p></o:p></p><ul type=disc><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l1 level1 lfo2'>Rick Bortnick of Christie Parabue and Young<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l1 level1 lfo2'>Matthew Clarke of AIG Australia<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l1 level1 lfo2'>Nick Economidis of Beazley<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l1 level1 lfo2'>Emily Freeman of Lockton<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l1 level1 lfo2'>Mark Greisiger of NetDiligence<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l1 level1 lfo2'>Steve Haase of INSUREtrust<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l1 level1 lfo2'>Toby Merrill of ACE<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l1 level1 lfo2'>John Mullen of Lewis Brisbois Bisgaard & Smith<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l1 level1 lfo2'>Bob Parisi of Marsh<o:p></o:p></li></ul><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal'><strong>Best Cyber Incident Response </strong><o:p></o:p></p><ul type=disc><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l9 level1 lfo4'>AIG<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l9 level1 lfo4'>AllClear ID<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l9 level1 lfo4'>BakerHostetler<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l9 level1 lfo4'>Beazley<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l9 level1 lfo4'>Identity Theft 911<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l9 level1 lfo4'>Lewis Brisbois<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l9 level1 lfo4'>Mandiant<o:p></o:p></li></ul><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal'><b>Best Internal Cyber Risk Analysis<o:p></o:p></b></p><ul type=disc><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l4 level1 lfo8'>AIG<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l4 level1 lfo8'>Experian<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l4 level1 lfo8'>Kroll<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l4 level1 lfo8'>Liberty International Underwriters<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l4 level1 lfo8'>Privacy Professionals<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l4 level1 lfo8'>RPS Technology & Cyber<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l4 level1 lfo8'>Verizon<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l4 level1 lfo8'>Willis<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l4 level1 lfo8'>XL Group<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l4 level1 lfo8'>Zurich<o:p></o:p></li></ul><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal'><strong>Best New Cyber Risk Innovation </strong><o:p></o:p></p><ul type=disc><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l8 level1 lfo6'>ACE (Sidecar with data breach outside limits)<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l8 level1 lfo6'>AIG (CyberEdge iPad app)<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l8 level1 lfo6'>Privacy Professionals (Pre-event loss mitigation tool)<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l8 level1 lfo6'>Risk Based Security (YourCISO risk management portal)<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l8 level1 lfo6'>BitSight (Security ratings)<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l8 level1 lfo6'>Willis (PRISM)<o:p></o:p></li></ul><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal'><strong>Best Cyber Risk Brokers</strong><o:p></o:p></p><ul type=disc><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l15 level1 lfo14'>Aon<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l15 level1 lfo14'>Lockton<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l15 level1 lfo14'>Marsh<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l15 level1 lfo14'>RPS Technology & Cyber<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l15 level1 lfo14'>Wells Fargo<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l15 level1 lfo14'>Willis<o:p></o:p></li></ul><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal'><strong>Best Cyber Risk Insurers</strong><o:p></o:p></p><ul type=disc><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l12 level1 lfo16'>ACE<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l12 level1 lfo16'>AIG<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l12 level1 lfo16'>Beazley<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l12 level1 lfo16'>CFC Underwriting<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l12 level1 lfo16'>Liberty International Underwriters<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l12 level1 lfo16'>Philadelphia<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l12 level1 lfo16'>XL<o:p></o:p></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:normal;mso-list:l12 level1 lfo16'>Zurich<o:p></o:p></li></ul><p class=MsoNormal><span style='font-size:11.0pt;line-height:115%;font-family:"Calibri","sans-serif";color:#1F497D'>Ben<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;line-height:115%;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal style='line-height:normal'><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:windowtext'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:windowtext'> public-bounces@cabforum.org [mailto:public-bounces@cabforum.org] <b>On Behalf Of </b>Rick Andrews<br><b>Sent:</b> Monday, June 9, 2014 1:50 PM<br><b>To:</b> public@cabforum.org<br><b>Subject:</b> Re: [cabfpub] Ballot 121 (insurance)<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:11.0pt;line-height:115%;font-family:"Calibri","sans-serif";color:#1F497D'>A Timely article (pun intended):<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;line-height:115%;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;line-height:115%;font-family:"Calibri","sans-serif";color:#1F497D'> Cyberattack Insurance a Challenge for Business <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;line-height:115%;font-family:"Calibri","sans-serif";color:#1F497D'> <a href="http://p.nytimes.com/email/re?location=InCMR7g4BCKC2wiZPkcVUkfBKD0WxM+9&user_id=c619a85212e2206d7323c9ed8f4e42e9&email_type=eta&task_id=1402342739914133®i_id=0"><b>http://nyti.ms/1oLGfqR </b></a><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;line-height:115%;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;line-height:115%;font-family:"Calibri","sans-serif";color:#1F497D'>-Rick<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;line-height:115%;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal style='margin-left:.5in;line-height:normal'><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:windowtext'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:windowtext'> <a href="mailto:public-bounces@cabforum.org">public-bounces@cabforum.org</a> [<a href="mailto:public-bounces@cabforum.org">mailto:public-bounces@cabforum.org</a>] <b>On Behalf Of </b>Ben Wilson<br><b>Sent:</b> Thursday, June 05, 2014 5:55 AM<br><b>To:</b> 'Moudrick M. Dadashov'; <a href="mailto:i-barreira@izenpe.net">i-barreira@izenpe.net</a>; <a href="mailto:kirk_hall@trendmicro.com">kirk_hall@trendmicro.com</a>; <a href="mailto:gerv@mozilla.org">gerv@mozilla.org</a>; <a href="mailto:public@cabforum.org">public@cabforum.org</a><br><b>Subject:</b> Re: [cabfpub] Ballot 121 (insurance)<o:p></o:p></span></p></div></div><p class=MsoNormal style='margin-left:.5in'><o:p> </o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:11.0pt;line-height:115%;font-family:"Calibri","sans-serif";color:#1F497D'>Thanks. Let’s keep this discussion moving toward an amendment that provides a more reasonable, but objective, uniform, and auditable standard to be applied and implemented globally to address cyber risks and reduce potential loss to third parties. I’ve found about 100 academic papers that mention cyber insurance and about 200 web pages in the .com space that discuss cyber coverage. I’m sifting through those now. I’m happy to make them available to anyone who wants to participate in this review.<o:p></o:p></span></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:11.0pt;line-height:115%;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal style='margin-left:.5in;line-height:normal'><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:windowtext'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:windowtext'> <a href="mailto:public-bounces@cabforum.org">public-bounces@cabforum.org</a> [<a href="mailto:public-bounces@cabforum.org">mailto:public-bounces@cabforum.org</a>] <b>On Behalf Of </b>Moudrick M. Dadashov<br><b>Sent:</b> Thursday, June 5, 2014 4:43 AM<br><b>To:</b> Ben Wilson; <a href="mailto:i-barreira@izenpe.net">i-barreira@izenpe.net</a>; <a href="mailto:kirk_hall@trendmicro.com">kirk_hall@trendmicro.com</a>; <a href="mailto:gerv@mozilla.org">gerv@mozilla.org</a>; <a href="mailto:public@cabforum.org">public@cabforum.org</a><br><b>Subject:</b> Re: [cabfpub] Ballot 121 (insurance)<o:p></o:p></span></p></div></div><p class=MsoNormal style='margin-left:.5in'><o:p> </o:p></p><div><p class=MsoNormal style='margin-left:.5in'>Hi,<br><br>looks like we are not alone on this planet:<br><br><a href="http://www.tripwire.com/state-of-security/featured/who-should-insure-the-nations-critical-infrastructure/">http://www.tripwire.com/state-of-security/featured/who-should-insure-the-nations-critical-infrastructure/</a><br><br>Is EV SSL issuance a part of NCI?<br><br>Thanks,<br>M.D.<br><br>On 6/3/2014 4:43 AM, Ben Wilson wrote:<o:p></o:p></p></div><blockquote style='margin-top:5.0pt;margin-bottom:5.0pt'><p class=MsoNormal style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:12.0pt;margin-left:.5in;line-height:normal'>Thanks, Moudrick, Kirk and Iñigo,<br><br>For those who haven't looked up this ETSI document, Section 7.5 says, "(d) Adequate arrangements to cover liabilities arising from its operations and/or activities; (e) Financial stability and resources required to operate in conformity with this policy; and (f) Policies and procedures for the resolution of complaints and disputes received from customers or other parties about the provisioning of electronic trust services." This appears to be based, somewhat, on the liability structure set up in Art.6 of of EU Directive 1999/93/EC and subsection (h) of Annex II, <a href="http://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:31999L0093">http://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:31999L0093</a>, the latter of which reads, “(h) maintain sufficient financial resources to operate in conformity with the requirements laid down in the Directive, in particular to bear the risk of liability for damages, for example, by obtaining appropriate insurance;” <br><br>CAs are supposed to address their responsibility under Art. 6. This can be written in their CP/CPS either under Section 2.3 (RFC 2527) or Section 9.2 (RFC 3647) -- maybe more explicit requirements in the BRs are needed about what must be written in those sections? Also, I see that "risk" is noted in Annex II, but not in section 7.5 (too hard to audit?), an insurance or financial stability requirement is a much easier way to address risks to third parties than other methods, and it more fairly distributes the loss potential. See e.g. <a href="http://www.egov.ufsc.br/portal/sites/default/files/anexos/27548-27558-1-PB.pdf">http://www.egov.ufsc.br/portal/sites/default/files/anexos/27548-27558-1-PB.pdf</a> <br><br>According to <a href="http://www.law.uni-sofia.bg/Kat/T/IP/T/ES/DocLib/The%20Legal%20and%20Market%20Aspects%20of%20Electronic%20Signatures.pdf">http://www.law.uni-sofia.bg/Kat/T/IP/T/ES/DocLib/The%20Legal%20and%20Market%20Aspects%20of%20Electronic%20Signatures.pdf</a> <br>most EU countries have simply copied this text from Annex II into their own laws without further requirements. However, some, like Spain, have set forth specific insurance amounts for " Cobertura de seguro u otras garantías para los terceros de buena fe cuando incumpla las obligaciones que impone la Ley 59/2003, de 19 de diciembre, de Firma Electrónica" - from what I can tell, the amount is 3 million Euros. <a href="http://www.boe.es/boe/dias/2003/12/20/pdfs/A45329-45343.pdf">http://www.boe.es/boe/dias/2003/12/20/pdfs/A45329-45343.pdf</a> So, in order to be more fair to non-US CAs, what about that 3-million-Euro amount instead that just said "third party cyber coverage"? (I have Betterley's 2014 Cyber Insurance Report that I can use to create a definition of "third party cyber coverage".) Given the facts above, I can't see any reason to replace our objective rule with something as subjective as "adequate arrangements" or "sufficient financial resources," which are subjective and impossible to audit, let alone eliminate it altogether.<br><br>Financial stability is a key component of being a CA, especially one that issues Extended Validation certificates. It certainly seems that any European CA wanting to issue the "qualified website" equivalent of an EV certificate will have to meet Art 6 / Annex II requirements in any event.<br><br>Also, we require insurance for banks and automobile owners/drivers. Not for first-party coverage, but for third-party coverage--we do not want innocent third parties left holding the bag--it's what economists call "negative externality". Banks, for example, have great security, but they also have to handle the risk that all of that security won't protect against everything--nothing works perfectly 100%. Banks are required by regulators to have financial reserves, deposit insurance, and other risk-mitigating processes. See <a href="http://edoc.ub.uni-muenchen.de/5628/1/Mikkonen_Katri.pdf">http://edoc.ub.uni-muenchen.de/5628/1/Mikkonen_Katri.pdf</a> Under the EU Directive on capital adequacy of investment …firms and credit institutions, this means coverage of EUR 20 000 for each depositor, minimum start-up-capital of EUR 5 million, and then ongoing solvency ratios per Basel requirements.<br><br>Ben <br><br><o:p></o:p></p><div><p class=MsoNormal style='margin-left:.5in;line-height:normal'>On 6/2/2014 1:40 AM, <a href="mailto:i-barreira@izenpe.net">i-barreira@izenpe.net</a> wrote:<o:p></o:p></p></div><blockquote style='margin-top:5.0pt;margin-bottom:5.0pt'><p class=MsoNormal style='margin-left:.5in'><span style='font-size:11.0pt;line-height:115%;font-family:"Calibri","sans-serif";color:#1F497D'>Hi,</span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:11.0pt;line-height:115%;font-family:"Calibri","sans-serif";color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:11.0pt;line-height:115%;font-family:"Calibri","sans-serif";color:#1F497D'>The TS 102 042 is the one for EV and BR certs and also indicates in 7.5 what Mou has stated. </span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:11.0pt;line-height:115%;font-family:"Calibri","sans-serif";color:#1F497D'>This “control” was included to let the CA to set the requirements appropriate to its needs and according to national legislation.</span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:11.0pt;line-height:115%;font-family:"Calibri","sans-serif";color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:11.0pt;line-height:115%;font-family:"Calibri","sans-serif";color:#1F497D'>Regards</span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:11.0pt;line-height:115%;font-family:"Calibri","sans-serif";color:#1F497D'> </span><o:p></o:p></p><div><p class=MsoNormal style='margin-left:.5in'><span style='font-size:11.0pt;line-height:115%;font-family:"Calibri","sans-serif";color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in;line-height:9.75pt'><b><span lang=ES-TRAD style='font-size:8.5pt;font-family:"Tahoma","sans-serif"'>Iñigo Barreira</span></b><span lang=ES-TRAD style='font-size:8.5pt;font-family:"Tahoma","sans-serif"'><br>Responsable del Área técnica<br><a href="mailto:i-barreira@izenpe.net">i-barreira@izenpe.net</a></span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span lang=ES-TRAD style='font-size:8.5pt;line-height:115%;font-family:"Tahoma","sans-serif"'>945067705</span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span lang=ES-TRAD style='font-size:11.0pt;line-height:115%;font-family:"Calibri","sans-serif";color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:11.0pt;line-height:115%;font-family:"Calibri","sans-serif";color:#1F497D'><img border=0 width=585 height=111 id="Imagen_x0020_1" src="cid:image001.png@01CF8495.856DE8C0" alt="Descripción: cid:image001.png@01CE3152.B4804EB0"></span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in;line-height:9.75pt'><span style='font-size:7.5pt;font-family:"Tahoma","sans-serif";color:#888888;mso-fareast-language:ES-TRAD'>ERNE! Baliteke mezu honen zatiren bat edo mezu osoa legez babestuta egotea. Mezua badu bere hartzailea. Okerreko helbidera heldu bada (helbidea gaizki idatzi, transmisioak huts egin) eman abisu igorleari, korreo honi erantzuna. KONTUZ!</span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#888888;mso-fareast-language:ES-TRAD'><br></span><span style='font-size:7.5pt;font-family:"Tahoma","sans-serif";color:#888888;mso-fareast-language:ES-TRAD'>ATENCION! Este mensaje contiene informacion privilegiada o confidencial a la que solo tiene derecho a acceder el destinatario. Si usted lo recibe por error le agradeceriamos que no hiciera uso de la informacion y que se pusiese en contacto con el remitente.</span><o:p></o:p></p></div><p class=MsoNormal style='margin-left:.5in'><span style='font-size:11.0pt;line-height:115%;font-family:"Calibri","sans-serif";color:#1F497D'> </span><o:p></o:p></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal style='margin-left:.5in'><b><span style='font-size:10.0pt;line-height:115%;font-family:"Tahoma","sans-serif";color:windowtext'>De:</span></b><span style='font-size:10.0pt;line-height:115%;font-family:"Tahoma","sans-serif";color:windowtext'> <a href="mailto:public-bounces@cabforum.org">public-bounces@cabforum.org</a> [<a href="mailto:public-bounces@cabforum.org">mailto:public-bounces@cabforum.org</a>] <b>En nombre de </b>Moudrick M. Dadashov<br><b>Enviado el:</b> sábado, 31 de mayo de 2014 2:30<br><b>Para:</b> <a href="mailto:ben@digicert.com">ben@digicert.com</a>; <a href="mailto:kirk_hall@trendmicro.com">kirk_hall@trendmicro.com</a>; 'Gervase Markham'; 'public >> CABFPub'<br><b>Asunto:</b> Re: [cabfpub] Ballot 121 (insurance)</span><o:p></o:p></p></div></div><p class=MsoNormal style='margin-left:.5in'> <o:p></o:p></p><div><p class=MsoNormal style='margin-left:.5in'>On 5/31/2014 2:46 AM, Ben Wilson wrote:<o:p></o:p></p></div><blockquote style='margin-top:5.0pt;margin-bottom:5.0pt'><pre style='margin-left:.5in'>Do you have a proposal that addresses the concerns about financial<o:p></o:p></pre><pre style='margin-left:.5in'>stability?<o:p></o:p></pre></blockquote><p class=MsoNormal style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:12.0pt;margin-left:.5in'>Please see ETSI TS 101 456 V1.4.3 section 7.5 specifically points d), e) and f) - IMO they are close to what you are looking for.<br><br>As a standardization body ETSI doesn't set its requirements in terms of absolute amounts, this is left to implementers - in this case to MS Governments.<br><br>FYI:<br><a href="http://www.etsi.org/deliver/etsi_ts/101400_101499/101456/01.04.03_60/ts_101456v010403p.pdf">http://www.etsi.org/deliver/etsi_ts/101400_101499/101456/01.04.03_60/ts_101456v010403p.pdf</a><br><br>Given the fact that EVG is incorporated into ETSI "as is", I see potential conflict between the two approaches. <br><br>Thanks.<br>M.D.<br><br><o:p></o:p></p><pre style='margin-left:.5in'> <o:p></o:p></pre><pre style='margin-left:.5in'> <o:p></o:p></pre><pre style='margin-left:.5in'>-----Original Message-----<o:p></o:p></pre><pre style='margin-left:.5in'>From: <a href="mailto:kirk_hall@trendmicro.com">kirk_hall@trendmicro.com</a> [<a href="mailto:kirk_hall@trendmicro.com">mailto:kirk_hall@trendmicro.com</a>] <o:p></o:p></pre><pre style='margin-left:.5in'>Sent: Friday, May 30, 2014 5:20 PM<o:p></o:p></pre><pre style='margin-left:.5in'>To: <a href="mailto:ben@digicert.com">ben@digicert.com</a>; 'Gervase Markham'; 'public >> CABFPub'<o:p></o:p></pre><pre style='margin-left:.5in'>Subject: RE: [cabfpub] Ballot 121 (insurance)<o:p></o:p></pre><pre style='margin-left:.5in'> <o:p></o:p></pre><pre style='margin-left:.5in'>Ben -- as I indicated to the EV Working Group in an email recently, I have<o:p></o:p></pre><pre style='margin-left:.5in'>definitely changed my mind about the EVGL insurance requirement based on my<o:p></o:p></pre><pre style='margin-left:.5in'>own experience in starting AffirmTrust in 2010. (As a reminder to all,<o:p></o:p></pre><pre style='margin-left:.5in'>AffirmTrust was acquired by Trend Micro in 2011, and Trend is big enough and<o:p></o:p></pre><pre style='margin-left:.5in'>has a strong enough balance sheet and treasury that under the EVGL we are<o:p></o:p></pre><pre style='margin-left:.5in'>entirely exempt from the insurance requirements -- so we have no personal<o:p></o:p></pre><pre style='margin-left:.5in'>stake in this.) <o:p></o:p></pre><pre style='margin-left:.5in'> <o:p></o:p></pre><pre style='margin-left:.5in'>While starting my own company, the insurance brokers kept asking me why I<o:p></o:p></pre><pre style='margin-left:.5in'>wanted the insurance coverages -- they clearly didn't think I needed them --<o:p></o:p></pre><pre style='margin-left:.5in'>and they warned me that the E&O coverage in particular probably wasn't going<o:p></o:p></pre><pre style='margin-left:.5in'>to provide me with any meaningful protection for anything (given that it<o:p></o:p></pre><pre style='margin-left:.5in'>generally doesn't cover contractual liability for a bad cert, return of<o:p></o:p></pre><pre style='margin-left:.5in'>fees, etc.) So it felt like a very big waste of money.<o:p></o:p></pre><pre style='margin-left:.5in'> <o:p></o:p></pre><pre style='margin-left:.5in'>Plus we now know from eight years of experience (plus the anecdotal evidence<o:p></o:p></pre><pre style='margin-left:.5in'>of Trend Micro's legal counsel from his decade at VeriSign) that there<o:p></o:p></pre><pre style='margin-left:.5in'>simply aren't claims from customers or relying parties for mis-issued certs<o:p></o:p></pre><pre style='margin-left:.5in'>and that the need for insurance (even if it did cover the mis-issuance of EV<o:p></o:p></pre><pre style='margin-left:.5in'>certs) is minimal at best. The one case of catastrophic failure and breach,<o:p></o:p></pre><pre style='margin-left:.5in'>DigiNotar, apparently resulted in a court ruling that the insurer would be<o:p></o:p></pre><pre style='margin-left:.5in'>allowed to deny all coverage.<o:p></o:p></pre><pre style='margin-left:.5in'> <o:p></o:p></pre><pre style='margin-left:.5in'>When we collectively were brainstorming in 2005-6 to create the first EV<o:p></o:p></pre><pre style='margin-left:.5in'>Guidelines, we were trying to come up with lots and lots of requirements to<o:p></o:p></pre><pre style='margin-left:.5in'>try to set EV certs apart from other certs. As I recall, we considered even<o:p></o:p></pre><pre style='margin-left:.5in'>more complex verification steps for EV to make it similar to the closing of<o:p></o:p></pre><pre style='margin-left:.5in'>a major corporate transaction (e.g., getting Board of Directors<o:p></o:p></pre><pre style='margin-left:.5in'>authorizations, Secretary's Certificates, etc.) -- fortunately, common sense<o:p></o:p></pre><pre style='margin-left:.5in'>prevailed and we slimmed down the requirements so they are very thorough,<o:p></o:p></pre><pre style='margin-left:.5in'>but achievable.<o:p></o:p></pre><pre style='margin-left:.5in'> <o:p></o:p></pre><pre style='margin-left:.5in'>Finally, the Forum has learned through eight years of experience that these<o:p></o:p></pre><pre style='margin-left:.5in'>insurance requirements are even harder and more expensive for<o:p></o:p></pre><pre style='margin-left:.5in'>non-US/Canadian CAs to satisfy, and that their brokers also tell them the<o:p></o:p></pre><pre style='margin-left:.5in'>coverages won't provide them with any meaningful protection. We don't want<o:p></o:p></pre><pre style='margin-left:.5in'>the EV Guidelines to be weighted in favor of US/Canadian CAs.<o:p></o:p></pre><pre style='margin-left:.5in'> <o:p></o:p></pre><pre style='margin-left:.5in'>The Forum hasn't hesitated from changing other EVGL requirements when we<o:p></o:p></pre><pre style='margin-left:.5in'>think justified -- such as recently allowing the use of the automatic email<o:p></o:p></pre><pre style='margin-left:.5in'>verification method to upgrade domains to the EV level (using the same<o:p></o:p></pre><pre style='margin-left:.5in'>verification methods as for DV and OV certs). For the first seven years of<o:p></o:p></pre><pre style='margin-left:.5in'>the EVGL, we were all required to do manual vetting of domains with a WhoIs<o:p></o:p></pre><pre style='margin-left:.5in'>lookup and deal with any mis-match of the registration.<o:p></o:p></pre><pre style='margin-left:.5in'> <o:p></o:p></pre><pre style='margin-left:.5in'>So for all these reasons, I think Gerv is right and it's time to drop the<o:p></o:p></pre><pre style='margin-left:.5in'>insurance requirements. Let CAs follow any insurance requirements that<o:p></o:p></pre><pre style='margin-left:.5in'>their applicable local jurisdiction(s) may impose, but otherwise don't<o:p></o:p></pre><pre style='margin-left:.5in'>create an additional insurance requirement through the EV Guidelines.<o:p></o:p></pre><pre style='margin-left:.5in'> <o:p></o:p></pre><pre style='margin-left:.5in'>Gerv, thanks for sharing your thoughtful and well informed opinion. It<o:p></o:p></pre><pre style='margin-left:.5in'>really helps.<o:p></o:p></pre><pre style='margin-left:.5in'> <o:p></o:p></pre><pre style='margin-left:.5in'>Kirk<o:p></o:p></pre><pre style='margin-left:.5in'> <o:p></o:p></pre><pre style='margin-left:.5in'>-----Original Message-----<o:p></o:p></pre><pre style='margin-left:.5in'>From: <a href="mailto:public-bounces@cabforum.org">public-bounces@cabforum.org</a> [<a href="mailto:public-bounces@cabforum.org">mailto:public-bounces@cabforum.org</a>] On<o:p></o:p></pre><pre style='margin-left:.5in'>Behalf Of Ben Wilson<o:p></o:p></pre><pre style='margin-left:.5in'>Sent: Friday, May 30, 2014 3:15 PM<o:p></o:p></pre><pre style='margin-left:.5in'>To: 'Gervase Markham'; 'public >> CABFPub'<o:p></o:p></pre><pre style='margin-left:.5in'>Subject: Re: [cabfpub] Ballot 121 (insurance)<o:p></o:p></pre><pre style='margin-left:.5in'> <o:p></o:p></pre><pre style='margin-left:.5in'>Gerv and all,<o:p></o:p></pre><pre style='margin-left:.5in'> <o:p></o:p></pre><pre style='margin-left:.5in'>If people want to save money, they can stick to issuing DV or OV<o:p></o:p></pre><pre style='margin-left:.5in'>certificates. EV certificates need to remain different, and this proposed<o:p></o:p></pre><pre style='margin-left:.5in'>move is contrary to the first goal we all agreed upon when we began working<o:p></o:p></pre><pre style='margin-left:.5in'>on the guidelines for issuing Extended Validation Certificates, which my<o:p></o:p></pre><pre style='margin-left:.5in'>notes indicates was to "increase online trust." <o:p></o:p></pre><pre style='margin-left:.5in'> <o:p></o:p></pre><pre style='margin-left:.5in'>If the ballot is re-introduced and passes, then CAs will not be required to<o:p></o:p></pre><pre style='margin-left:.5in'>have insurance for any negligence in issuing or maintaining EV Certificates.<o:p></o:p></pre><pre style='margin-left:.5in'>It increases the likelihood that another Diginotar won't be held<o:p></o:p></pre><pre style='margin-left:.5in'>accountable, and I believe the insurance is currently available at<o:p></o:p></pre><pre style='margin-left:.5in'>affordable cost, approximately $10,000 per $1 million coverage. I have<o:p></o:p></pre><pre style='margin-left:.5in'>attached a sample cyber-insurance policy, which is available in similar form<o:p></o:p></pre><pre style='margin-left:.5in'>from any of top insurers internationally-- Zurich, ING, AIG, AXA, Allianz,<o:p></o:p></pre><pre style='margin-left:.5in'>etc.<o:p></o:p></pre><pre style='margin-left:.5in'> <o:p></o:p></pre><pre style='margin-left:.5in'>The reintroduction of Ballot 121 also reopens negotiations of 8 years ago,<o:p></o:p></pre><pre style='margin-left:.5in'>which took place during 2006. For example, attached is Kirk Hall's memo to<o:p></o:p></pre><pre style='margin-left:.5in'>the group from June 2006 in which he recommends "indemnity insurance<o:p></o:p></pre><pre style='margin-left:.5in'>coverage (e.g. "errors and omissions," "cyber coverage," "network computer<o:p></o:p></pre><pre style='margin-left:.5in'>liability," "professional liability," or other similar coverage) for<o:p></o:p></pre><pre style='margin-left:.5in'>Extended Validation Certificates [in the amount of $10 million]." <o:p></o:p></pre><pre style='margin-left:.5in'> <o:p></o:p></pre><pre style='margin-left:.5in'>Opponents of insurance requirements cannot simply erase these historical<o:p></o:p></pre><pre style='margin-left:.5in'>choices without proposing viable alternatives. (It's always easier to<o:p></o:p></pre><pre style='margin-left:.5in'>complain and to poke holes at things than to work on real solutions.) And<o:p></o:p></pre><pre style='margin-left:.5in'>finally, if the EV Guidelines do not contain some form of financial<o:p></o:p></pre><pre style='margin-left:.5in'>responsibility, then we might as well delete the Section 7 warranties, and<o:p></o:p></pre><pre style='margin-left:.5in'>the other EV provisions to which they refer, because they will just become<o:p></o:p></pre><pre style='margin-left:.5in'>empty promises. <o:p></o:p></pre><pre style='margin-left:.5in'> <o:p></o:p></pre><pre style='margin-left:.5in'>Ben<o:p></o:p></pre><pre style='margin-left:.5in'> <o:p></o:p></pre><pre style='margin-left:.5in'>-----Original Message-----<o:p></o:p></pre><pre style='margin-left:.5in'>From: <a href="mailto:public-bounces@cabforum.org">public-bounces@cabforum.org</a> [<a href="mailto:public-bounces@cabforum.org">mailto:public-bounces@cabforum.org</a>] On<o:p></o:p></pre><pre style='margin-left:.5in'>Behalf Of Gervase Markham<o:p></o:p></pre><pre style='margin-left:.5in'>Sent: Friday, May 30, 2014 12:41 PM<o:p></o:p></pre><pre style='margin-left:.5in'>To: public >> CABFPub<o:p></o:p></pre><pre style='margin-left:.5in'>Subject: [cabfpub] Ballot 121 (insurance)<o:p></o:p></pre><pre style='margin-left:.5in'> <o:p></o:p></pre><pre style='margin-left:.5in'>I talked to our lawyer this morning. Mozilla is now willing to support the<o:p></o:p></pre><pre style='margin-left:.5in'>proposal in Ballot 121 (removal of the insurance requirement from the EV<o:p></o:p></pre><pre style='margin-left:.5in'>Guidelines).<o:p></o:p></pre><pre style='margin-left:.5in'> <o:p></o:p></pre><pre style='margin-left:.5in'>We feel that this requirement provides no significant protection in practice<o:p></o:p></pre><pre style='margin-left:.5in'>for either users, for whom CAs can limit liability to $2000 anyway, or for<o:p></o:p></pre><pre style='margin-left:.5in'>browsers, for whom clause 18.2 which indemnifies them is much more relevant.<o:p></o:p></pre><pre style='margin-left:.5in'> <o:p></o:p></pre><pre style='margin-left:.5in'>We encourage other CAs and browsers to support this ballot also, and let the<o:p></o:p></pre><pre style='margin-left:.5in'>CAs put the $N,000 saved towards making their products better and/or cheaper<o:p></o:p></pre><pre style='margin-left:.5in'>for users.<o:p></o:p></pre><pre style='margin-left:.5in'> <o:p></o:p></pre><pre style='margin-left:.5in'>Gerv<o:p></o:p></pre><pre style='margin-left:.5in'>_______________________________________________<o:p></o:p></pre><pre style='margin-left:.5in'>Public mailing list<o:p></o:p></pre><pre style='margin-left:.5in'><a href="mailto:Public@cabforum.org">Public@cabforum.org</a><o:p></o:p></pre><pre style='margin-left:.5in'><a href="https://cabforum.org/mailman/listinfo/public">https://cabforum.org/mailman/listinfo/public</a><o:p></o:p></pre><pre style='margin-left:.5in'><table class="TM_EMAIL_NOTICE"><tr><td><pre><o:p></o:p></pre><pre style='margin-left:.5in'>TREND MICRO EMAIL NOTICE<o:p></o:p></pre><pre style='margin-left:.5in'>The information contained in this email and any attachments is confidential<o:p></o:p></pre><pre style='margin-left:.5in'>and may be subject to copyright or other intellectual property protection. <o:p></o:p></pre><pre style='margin-left:.5in'>If you are not the intended recipient, you are not authorized to use or<o:p></o:p></pre><pre style='margin-left:.5in'>disclose this information, and we request that you notify us by reply mail<o:p></o:p></pre><pre style='margin-left:.5in'>or telephone and delete the original message from your mail system.<o:p></o:p></pre><pre style='margin-left:.5in'></pre></td></tr></table><o:p></o:p></pre><p class=MsoNormal style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:12.0pt;margin-left:.5in'><br><br><o:p></o:p></p><pre style='margin-left:.5in'>_______________________________________________<o:p></o:p></pre><pre style='margin-left:.5in'>Public mailing list<o:p></o:p></pre><pre style='margin-left:.5in'><a href="mailto:Public@cabforum.org">Public@cabforum.org</a><o:p></o:p></pre><pre style='margin-left:.5in'><a href="https://cabforum.org/mailman/listinfo/public">https://cabforum.org/mailman/listinfo/public</a><o:p></o:p></pre><p class=MsoNormal style='margin-left:.5in'> <o:p></o:p></p></blockquote><p class=MsoNormal style='margin-left:.5in;line-height:normal'><o:p> </o:p></p></blockquote><p class=MsoNormal style='margin-left:.5in;line-height:normal'><o:p> </o:p></p></div></body></html>