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<p class="MsoNormal"><span style="font-size:13.0pt;font-family:"Times New Roman","serif"">Hi tribe,<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:13.0pt;font-family:"Times New Roman","serif""><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:13.0pt;font-family:"Times New Roman","serif"">Twice in 1 week.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:13.0pt;font-family:"Times New Roman","serif""><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:13.0pt;font-family:"Times New Roman","serif"">I have a young relative interested in how to improve their credit score. My only advice is to pay your bills on time, which has kept my score very high. However, I know
everyone has different challenges.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:13.0pt;font-family:"Times New Roman","serif""><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:13.0pt;font-family:"Times New Roman","serif"">Are there any not for profit or government sponsored workshops or helplines that can be accessed?<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:13.0pt;font-family:"Times New Roman","serif""><o:p> </o:p></span></p>
<p class="MsoNormal"><span lang="EN" style="font-size:12.0pt;font-family:"Helvetica","sans-serif";color:#263845">Thanks,<o:p></o:p></span></p>
<p class="MsoNormal"><span lang="EN" style="font-size:12.0pt;font-family:"Helvetica","sans-serif";color:#263845"><o:p> </o:p></span></p>
<p class="MsoNormal"><span lang="EN" style="font-size:12.0pt;font-family:"Helvetica","sans-serif";color:#263845">Jeff<o:p></o:p></span></p>
<p class="MsoNormal"><span lang="EN" style="font-size:8.5pt;font-family:"Helvetica","sans-serif";color:#263845"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial","sans-serif";color:#263845"><img width="122" height="37" id="_x0000_i1035" src="cid:image001.jpg@01D3B15A.D5D9A560" alt="HUB International"></span><span lang="EN" style="font-family:"Arial","sans-serif";color:#263845"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height:0%"><span style="font-size:1.0pt;font-family:"Arial","sans-serif";color:#263845"><img width="1" height="20" id="Picture_x0020_2" src="cid:image002.png@01D3B15A.D5D9A560" alt="https://s3.amazonaws.com/hub-signature-generator/empty.gif"></span><span lang="EN" style="font-size:1.0pt;font-family:"Arial","sans-serif";color:#263845"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height:15.0pt"><b><span lang="EN" style="font-size:11.5pt;font-family:"Helvetica","sans-serif";color:#167BD4">Jeffrey L Rubin</span></b><span lang="EN" style="font-size:11.5pt;font-family:"Helvetica","sans-serif";color:#167BD4"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height:15.0pt"><span lang="EN" style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:#263845">Senior Vice President - CT/Westchester Branch Manager<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height:0%"><span style="font-size:1.0pt;font-family:"Arial","sans-serif";color:#263845"><img width="1" height="10" id="Picture_x0020_3" src="cid:image003.png@01D3B15A.D5D9A560" alt="https://s3.amazonaws.com/hub-signature-generator/empty.gif"></span><span lang="EN" style="font-size:1.0pt;font-family:"Arial","sans-serif";color:#263845"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height:15.0pt"><span lang="EN" style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:#263845">HUB International Northeast<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height:15.0pt"><span lang="EN" style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:#263845">777
</span><span lang="EN" style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#263845"></span><span lang="EN" style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:#263845">Commerce
</span><span lang="EN" style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#263845"></span><span lang="EN" style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:#263845">Drive 5 Bryant Park<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height:15.0pt"><span lang="EN" style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:#263845">Fairfield,</span><span lang="EN" style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#263845"></span><span lang="EN" style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:#263845">CT
</span><span lang="EN" style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#263845"></span><span lang="EN" style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:#263845;text-transform:uppercase">06825
</span><span lang="EN" style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:#263845">New York, NY</span><span lang="EN" style="color:#1F497D">
</span><span lang="EN" style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:#263845">10018<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height:0%"><span style="font-size:1.0pt;font-family:"Arial","sans-serif";color:#263845"><img width="1" height="10" id="Picture_x0020_4" src="cid:image003.png@01D3B15A.D5D9A560" alt="https://s3.amazonaws.com/hub-signature-generator/empty.gif"></span><span lang="EN" style="font-size:1.0pt;font-family:"Arial","sans-serif";color:#263845"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height:15.0pt"><b><span lang="EN" style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:#263845">Office:</span></b><span lang="EN" style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:#263845"> 203-</span><span lang="EN" style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#263845"></span><span lang="EN" style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:#263845">337-1872
212-338-2880<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height:15.0pt"><span lang="EN" style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:#167BD4"><a href="mailto:jeff.rubin@hubinternational.com"><span style="color:#167BD4">jeff.rubin@hubinternational.com</span></a><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height:15.0pt"><span lang="EN" style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:#167BD4"><a href="http://www.hubinternational.com/"><span style="color:#167BD4">hubinternational.com</span></a><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height:15.0pt"><span lang="EN" style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:#167BD4"><o:p> </o:p></span></p>
<p class="MsoNormal"><a href="https://www.facebook.com/HUBInternationalLimited" target="_blank"><span style="font-size:12.0pt;font-family:"Arial","sans-serif";text-decoration:none"><img border="0" width="24" height="24" id="Picture_x0020_9" src="cid:image004.jpg@01D3B15A.D5D9A560" alt="Facebook"></span></a><span style="font-size:12.0pt;font-family:"Arial","sans-serif";color:#263845"><img border="0" width="6" height="1" id="Picture_x0020_10" src="cid:image005.png@01D3B15A.D5D9A560" alt="https://s3.amazonaws.com/hub-signature-generator/empty.gif"></span><a href="https://www.linkedin.com/company/hub-international" target="_blank"><span style="font-size:12.0pt;font-family:"Arial","sans-serif";text-decoration:none"><img border="0" width="24" height="24" id="Picture_x0020_7" src="cid:image006.jpg@01D3B15A.D5D9A560" alt="LinkedIn"></span></a><span style="font-size:12.0pt;font-family:"Arial","sans-serif";color:#263845"><img border="0" width="6" height="1" id="Picture_x0020_12" src="cid:image005.png@01D3B15A.D5D9A560" alt="https://s3.amazonaws.com/hub-signature-generator/empty.gif"></span><a href="https://twitter.com/HUBInsurance" target="_blank"><span style="font-size:12.0pt;font-family:"Arial","sans-serif";text-decoration:none"><img border="0" width="24" height="24" id="Picture_x0020_13" src="cid:image007.jpg@01D3B15A.D5D9A560" alt="Twitter"></span></a><span lang="EN" style="font-size:12.0pt;font-family:"Arial","sans-serif";color:#263845"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><a href="http://www.linkedin.com/in/anyakhanutina"><span style="font-family:"Times New Roman","serif";color:#1F497D;text-decoration:none"><img border="0" width="14" height="14" id="Picture_x0020_1" src="cid:image008.jpg@01D3B15A.D5D9A560" alt="LinkedIn icon for email signatures.jpg"></span></a><span style="color:#1F497D"> </span><span style="font-size:10.0pt;color:#1F497D"> </span><u><span style="font-size:10.0pt;color:#5191CD"><a href="http://www.linkedin.com/in/jeffreyrubinhub/"><span style="font-family:"Times New Roman","serif"">Connect
to me on LinkedIn</span></a></span></u><span style="font-size:10.0pt;color:blue"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height:15.0pt"><span lang="EN" style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:#167BD4"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height:0%"><span style="font-size:1.0pt;font-family:"Arial","sans-serif";color:#263845"><img border="0" width="1" height="10" id="Picture_x0020_11" src="cid:image003.png@01D3B15A.D5D9A560" alt="https://s3.amazonaws.com/hub-signature-generator/empty.gif"></span><span lang="EN" style="font-size:1.0pt;font-family:"Arial","sans-serif";color:#263845"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height:12.75pt"><span lang="EN" style="font-size:8.5pt;font-family:"Helvetica","sans-serif";color:#263845">Confidentiality Notice: This electronic message, together with its attachments, if any, is intended to be viewed only
by the individual to whom it is addressed. It may contain information that is privileged, confidential, protected health information and/or exempt from disclosure under applicable law. Any dissemination, distribution or copying of this communication is strictly
prohibited without our prior permission. If the reader of this message is not the intended recipient or if you have received this communication in error, please notify us immediately by return e-mail and delete the original message and any copies of it from
your computer system.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><o:p> </o:p></p>
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