FAQS

from page 5

This lets you participate in the election process by returning a properly cast ballot.

I have heard a quorum is necessary before the ballots can be counted. What is a quorum?

A quorum is the minimum number of members that must be present to make mutual annual meeting proceedings valid.

In the case of elections, your participation in the voting process, i.e. your properly cast ballot, counts as your attendance.

A quorum of at least onethird for some Mutuals and half plus one for some of the Mutual corporation membership is required before the mutual ballots can be counted.

I lost my ballot or cannot remember if I mailed my ballot. What do I do?

Call Accurate Voting Services toll free at 949-556-3936 to have a replacement ballot mailed to you or to confirm if your ballot was received.

Where do I mail the ballot?

The yellow-and-blue mailing envelopes are postage-paid and pre-addressed to the Inspector of Elections, Accurate Voting Services, Inc., P.O. Box 6117, Laguna Niguel, CA 92607-6117. Drop the ballot in a U.S. Mailbox as soon as possible.

Your ballot must be received before noon on the business day BEFORE the annual meeting.

You may also hand deliver your ballot to Clubhouse 4 on the day of the annual meeting. See instructions on your ballot for further information.

Do not forget to sign the outside return envelope.

I still have questions about annual meetings and elections. Who can help me?

Contact Rosie Estrada, Stock Transfer manager, at 562-4316586, ext. 346, or Ripa Barua, election specialist, at ripab@lwsb.com for assistance.

The election schedule is provided below to assist with dates for your specific Mutual and save the date to attend your annual shareholder meeting. Mutuals are listed in order of annual meeting.