The spirit of giving that guides us through the holiday season is what makes it a special time of year. With that in mind, I want to express my sincere appreciation for your counsel and friendship throughout a truly transformative year — for both NJM and me. Best wishes to you and your family for a joyous holiday season, and a New Year filled with health, happiness, and success.

Sincerely,

Mitch Livingston
President & CEO
NJM Insurance Group