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<br />EXHIBIT "A" <br /> <br />SETTI,E,\IE\T ,,\(;REE\lI'SI' <br /> <br />This Settlemcnt :\grcc1l1cllt (";\grL'L'llll'lll") i:-; elltered illll) hy Hnd h\.'I\\Tl'll the Florida <br /> <br />IlCl'al'lll1Cnl uC !-'inaneial Sell ice, ("\)cpalll11eni"), Ih,' l'lmida 1),'parll11cl1l ul' Lc~al /\f!i,ir" <br /> <br />OniCL' of the Attorney (;cllcl"<l1 ("Atturney (icllcr,d"), tilL' Orlicc or Insurance RL'gulatiun <br /> <br />("01""), ami Brown &. Ilrown, Ine, ("Ilrown") (wllceli"ely, Ihe "Pal'lie,'), <br />WIII:I(I:i\S: <br /> <br />:\. rilL' I kp1ll'1 IllCll I <llld 01 R l'<lch Iw;.; regulatory jUl'isdil'liull (l\ CI" llll' Illsurance <br /> <br />induslry in Florida: <br /> <br />B. The l\ltOnley Gelleral has <luthority LInder slalL' ,lIltl Cederul liI\\' to investigate Hnd <br /> <br />prOSL'Clllt: potcntial antitrust \"iobtiullS as well as \'ioliltions or slale laws rdating In certaill <br /> <br />husillL's.'i pr<lcliu.:s: <br /> <br />(' In Iheir re'pcclil'l' capacillc', Ihc Ilepal'llllenl. Ih,' ,<\lItlroe'Y (;Clll'l'al. allll Oll{ <br /> <br />have 1I1l(iL'r1akl'll a two-year .iuin\ 11l\\:stigalilll1 or thl' inSUl'aIlCL' brokL'ring hllSilll'SS in I-"lorida <br /> <br />as a 1\:SUIt orn:purls orlJlldisclosl,:d ('olllpCnSiltioll (liS ddillL'd IlL'rein) (the Ulm'cstigillioll"): <br /> <br />D, /\S pan orlhe Investigatioll, the I)cPilrtlllClll,lhe t\\tOJ'llcy (jelleral, <Jnd OIl{ ha\"t.: <br /> <br />colkcled and rcvicwed l1umerous documenls and h,IH' inlL'rvic\\'cd Ill:lny \\'illlL'SSCS: <br /> <br />F. rile DeparllllCnl, the /\llOI"llL'Y (jellL'r:lI, :llld (HI( alk~l' lhat Iht)\\ll. 'ilIlCL' ill least <br /> <br />2000, hils rL'cL'i\'cd l.:lldisclllsL'd C'OlllpL'll:-.alioll (as del"lllL'd !lcn:'ill) ill COllllL'clioll \\1111 lhL' <br /> <br />plaCcllll'llt of insurallce CO\'L'rage 011 bellal!' or ccrtain Florida pulicyllOlders: <br /> <br />F Ilrowll dCllie, '1I1\' IIT(lI,~d()lll~ b(ll de,ire, 1(1 resolle' Ihi, IIlI'c'li~ali,," 10 avoid <br /> <br />llll' t"urthL'r cxpcllse and htlrdl'll 01',\ prutrllctL'd illvcstigalioll Ol" liliglltion: and. <br /> <br />(i. Till' Partics agr\"'c lhlll this :\grl'L'IllCnl is iI lilir alld 1\.'ilSOllilhlc rcsOIUlilH1 of tilL' <br /> <br />IIl\'l'StigilliOIl. <br />