BEGIN:VCARD
VERSION:3.0
FN;CHARSET=UTF-8:Personalumbrella.com
N;CHARSET=UTF-8:;;;;
PROFILE:VCARD
PHOTO;ENCODING=B;TYPE=JPEG:/9j/4AAQSkZJRgABAQEAyADIAAD/2wBDAAYEBQYFBAYGBQYH
 BwYIChAKCgkJChQODwwQFxQYGBcUFhYaHSUfGhsjHBYWICwgIyYnKSopGR8tMC0oMCUoKSj/2wB
 DAQcHBwoIChMKChMoGhYaKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKC
 goKCgoKCgoKCj/wAARCAB4AGQDAREAAhEBAxEB/8QAHwAAAQUBAQEBAQEAAAAAAAAAAAECAwQFB
 gcICQoL/8QAtRAAAgEDAwIEAwUFBAQAAAF9AQIDAAQRBRIhMUEGE1FhByJxFDKBkaEII0KxwRVS
 0fAkM2JyggkKFhcYGRolJicoKSo0NTY3ODk6Q0RFRkdISUpTVFVWV1hZWmNkZWZnaGlqc3R1dnd
 4eXqDhIWGh4iJipKTlJWWl5iZmqKjpKWmp6ipqrKztLW2t7i5usLDxMXGx8jJytLT1NXW19jZ2u
 Hi4+Tl5ufo6erx8vP09fb3+Pn6/8QAHwEAAwEBAQEBAQEBAQAAAAAAAAECAwQFBgcICQoL/8QAt
 REAAgECBAQDBAcFBAQAAQJ3AAECAxEEBSExBhJBUQdhcRMiMoEIFEKRobHBCSMzUvAVYnLRChYk
 NOEl8RcYGRomJygpKjU2Nzg5OkNERUZHSElKU1RVVldYWVpjZGVmZ2hpanN0dXZ3eHl6goOEhYa
 HiImKkpOUlZaXmJmaoqOkpaanqKmqsrO0tba3uLm6wsPExcbHyMnK0tPU1dbX2Nna4uPk5ebn6O
 nq8vP09fb3+Pn6/9oADAMBAAIRAxEAPwD6poAKACgAoAKACgAoAKACgAoAKACgAoAKACgAoAKAC
 gAoAKACgAoAKACgAoAKACgAoAKACgAoAKACgAoAKACgAoAKACgAoAKACgAoAKACgAoAKACgAoAK
 ACgAoAKACgAoAKACgAoAKACgAoAKACgAoAKACgAoAKACgAoAKACgAoAKACgAoAKACgDj/Evjuy0
 i6a1tYTfXMZxKFfYkZ9C2Dk+wHHfFehhcsr4mPPHReZy1sZTpPlerMQfFElsDSEJ9BeD/AOIrqW
 SVXtJfiZf2hTXRjv8AhZ0n/QFH/gX/APYU/wCw638y/H/IX9pU+zD/AIWdJ/0BR/4F/wD2FH9h1
 v5l+P8AkH9pU+zD/hZ0n/QFH/gX/wDYUf2HW/mX4/5B/aVPsw/4WdJ/0BR/4F//AGFH9h1v5l+P
 +Qf2lT7MP+FnSf8AQFH/AIF//YUf2HW/mX4/5B/aVPsw/wCFnSf9AUf+Bf8A9hR/Ydb+Zfj/AJB
 /aVPsw/4WdJ/0BR/4F/8A2FH9h1v5l+P+Qf2lT7MP+FnSf9AUf+Bf/wBhR/Ydb+Zfj/kH9pU+zD
 /hZ0n/AEBR/wCBf/2FH9h1v5l+P+Qf2lT7MP8AhZ0n/QFH/gX/APYUf2HW/mX4/wCQf2lT7MP+F
 nSf9AUf+Bf/ANhR/Ydb+Zfj/kH9pU+zPJ/jjqUHhTxZY+HfDNs8Mqae965eR5mnb5hHGNxJ42MT
 jk5Hoc6YWrVr0b1Je7dLorL5Gjw9OEuZLX7zF8MfDbxnr+ovcRGbTI47iJZluXJPluAcmEnhlBH
 KkZ5I985YujTVlq/LSz9TV021qtGeqahptnoWufYLzS3vrSysEuby4hknDY2zkyFt+1eYVG09d5
 wflrzKmd4yFRpS91K+y8/8j18Jw/hMThozbtUlLlWujd4K1t9pN32VrdS7p6eHNQ043Vp4c1OTb
 aXFy0S3Um/dE5Qxhd2SWIOOPrg8U1nuLkrp9H0XT5GdThyhSqKnKaV5RV7u1pJO9720T119NNRl
 /J4Ss8ltHu5Iv7PN8JYr5mVvkkcKCH5ysTHPTkfgpZ9iY683S+y/y8iqPDEKrUdnzctne61Su/n
 JaepZFt4YW4sYLjRrqKS5nktyPtrtsZXCZ4bkEsD2wPyqv7bxel5fgv8AIx/1fotSlHWyT69Vfv
 8A5lBLTTDpXh25OmIZdStrOaXFxNhTLPBG20b+mJWIyeoHWo/tzG8sXzb26Lq15HVLh7BqtWp2d
 oOaWv8ALGTV/wDwFXE1JvD9tbXJXQbqJwk/kySXrshdEnYbgHzg/Z39+V9Tgnn2Lim+bv0Xn5eQ
 YfhnD1KkY819Y33vZuKdvP3l+PleZ18PQQ3JufDt6JbS3eadY752ClSoCj5snO8Y49fxp57i1e8
 tvJf5GUeHKE3HkkrSaSvdbpu71srW7haW2h3t/ai30qVLWe3tJwstxMJF8151YH5+3lDH1P4JZ5
 jJSSUtNOi638vIdTh7DUqUnLVpzWj093kt/wClP8C9odv4N1TSzeNY3UP+ki0WMTzStJIY1kAQK
 SW+RsnA42t2Ga2o5xi6qbUtvJf5HHjskpYOcYyV7q637td+6ZLqNv4A05blr37REtsD5pLXPysI
 hKY/+unlkNs+9jtW6zDHO1pb+S9O3c4fqWH/AJfxZNa6f4Du5LlLYyym2l8mQrLcFQ21WwDnDcM
 ORkduoNS8yxiteX4L/If1Kh/L+LOzn0LTLjUpr+4sYJbuaBbaR5EDbo1ZmC89ss35153PK3LfQ6
 rIyvFzjRZ7fxLGCEtsQX4H8dqzfeI7mNjvHXA8wD71Yzlye906nfhIPEp4Vat6x/xdv+3lp68vY
 uaE1nr2lrq7WAjGqWyqyygMZIMsYww6cq5OO24inFKS5mtzOs6mHqeyjP4G7W76Xa+5a+SLFnoG
 l2UHk2tlFFH5bRYUdVZtzD8WOc+tNQitEiZ4qtUlzTk29/wt+WnoQN4V0JlQNplsdlubQZXJ8og
 gr+TN7/MfU1PsodvItY/Erao9+bfr39dF9yJ5NB0uSaKV7KIvHIZVPPDkhifzANPkj2IWKrJOKk
 7PT5bfkNbw9pLLp6tYQEaeqra5H+qClSoHsCinB7qD1Ao9nHTTYf1yv7/vv399d733+9/ewl8O6
 RMm2Wwgdfm4YZHzCQH8xLIP+BGh04PRoI4yvB80ZtP/ACaf5pfchIvDejxRTRJp8GyZGjkBGd6s
 QSDnryB+VHs47WB4yu2pc7utV8h8GgaVB5Xk2MKeUiRpgdFQsVH4F2P/AAI0KnFdBSxdaV7zet3
 83a/32X3ECeF9HjgaGGz8pC4k/dSujBwoUMGBBDbQFyDnHHSrglT+EitXqV2pVZXa/wCH/Nsc3h
 jRmuXnawiLuQzAk7SwUIH25xv2KF3Y3bRjOOKv2krWuY2CDwzo1ugSDT4YkGMLHlRwAOgPoBSc5
 PdjsbFSBBf2kF/Y3FneRiW2uI2ilQ9GVhgj8jSklJWZdKpKlNVIOzTuvVD7eGO2t4oIFCRRKERR
 2AGAKZBJQAUAFABQAUAFABQAUAFABQAUAFABQAUAFABQAUAFABQAUAFABQAUAFABQAUAFABQAUA
 FABQAUAFABQAUAFABQAUAFABQAUAFABQAUAFABQAUAFABQAUAFABQAUAFABQAUAFABQAUAFABQA
 UAFABQAUAFABQAUAFABQAUAFABQAUAFAH/2Q==
ADR;CHARSET=UTF-8;TYPE=HOME:;Suite 115;5835 Doyle St;Emeryville;CA;94608;
TEL;CHARSET=UTF-8;TYPE=HOME,VOICE:800-564-1799
TEL;CHARSET=UTF-8;TYPE=WORK,FAX:800-564-1799
TZ:-0500
GEO:37.840492700000;-122.288496800000
TITLE;CHARSET=UTF-8:
ORG;CHARSET=UTF-8:Personalumbrella.com
CATEGORIES;CHARSET=UTF-8:Property & Casualty Companies
PRODID:-//Connections Business Directory for WordPress//Version 2.0//EN
CLASS:PUBLIC
SORT-STRING:Personalumbrella.com
URL;CHARSET=UTF-8;TYPE=WORK:https://www.personalumbrella.com/
X-MS-CARDPICTURE;ENCODING=B;TYPE=JPEG:/9j/4AAQSkZJRgABAQEAyADIAAD/2wBDAAYEB
 QYFBAYGBQYHBwYIChAKCgkJChQODwwQFxQYGBcUFhYaHSUfGhsjHBYWICwgIyYnKSopGR8tMC0o
 MCUoKSj/2wBDAQcHBwoIChMKChMoGhYaKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCg
 oKCgoKCgoKCgoKCgoKCgoKCj/wAARCAB4AGQDAREAAhEBAxEB/8QAHwAAAQUBAQEBAQEAAAAAAA
 AAAAECAwQFBgcICQoL/8QAtRAAAgEDAwIEAwUFBAQAAAF9AQIDAAQRBRIhMUEGE1FhByJxFDKBk
 aEII0KxwRVS0fAkM2JyggkKFhcYGRolJicoKSo0NTY3ODk6Q0RFRkdISUpTVFVWV1hZWmNkZWZn
 aGlqc3R1dnd4eXqDhIWGh4iJipKTlJWWl5iZmqKjpKWmp6ipqrKztLW2t7i5usLDxMXGx8jJytL
 T1NXW19jZ2uHi4+Tl5ufo6erx8vP09fb3+Pn6/8QAHwEAAwEBAQEBAQEBAQAAAAAAAAECAwQFBg
 cICQoL/8QAtREAAgECBAQDBAcFBAQAAQJ3AAECAxEEBSExBhJBUQdhcRMiMoEIFEKRobHBCSMzU
 vAVYnLRChYkNOEl8RcYGRomJygpKjU2Nzg5OkNERUZHSElKU1RVVldYWVpjZGVmZ2hpanN0dXZ3
 eHl6goOEhYaHiImKkpOUlZaXmJmaoqOkpaanqKmqsrO0tba3uLm6wsPExcbHyMnK0tPU1dbX2Nn
 a4uPk5ebn6Onq8vP09fb3+Pn6/9oADAMBAAIRAxEAPwD6poAKACgAoAKACgAoAKACgAoAKACgAo
 AKACgAoAKACgAoAKACgAoAKACgAoAKACgAoAKACgAoAKACgAoAKACgAoAKACgAoAKACgAoAKACg
 AoAKACgAoAKACgAoAKACgAoAKACgAoAKACgAoAKACgAoAKACgAoAKACgAoAKACgAoAKACgAoAKA
 CgDj/Evjuy0i6a1tYTfXMZxKFfYkZ9C2Dk+wHHfFehhcsr4mPPHReZy1sZTpPlerMQfFElsDSEJ
 9BeD/AOIrqWSVXtJfiZf2hTXRjv8AhZ0n/QFH/gX/APYU/wCw638y/H/IX9pU+zD/AIWdJ/0BR/
 4F/wD2FH9h1v5l+P8AkH9pU+zD/hZ0n/QFH/gX/wDYUf2HW/mX4/5B/aVPsw/4WdJ/0BR/4F//A
 GFH9h1v5l+P+Qf2lT7MP+FnSf8AQFH/AIF//YUf2HW/mX4/5B/aVPsw/wCFnSf9AUf+Bf8A9hR/
 Ydb+Zfj/AJB/aVPsw/4WdJ/0BR/4F/8A2FH9h1v5l+P+Qf2lT7MP+FnSf9AUf+Bf/wBhR/Ydb+Z
 fj/kH9pU+zD/hZ0n/AEBR/wCBf/2FH9h1v5l+P+Qf2lT7MP8AhZ0n/QFH/gX/APYUf2HW/mX4/w
 CQf2lT7MP+FnSf9AUf+Bf/ANhR/Ydb+Zfj/kH9pU+zPJ/jjqUHhTxZY+HfDNs8Mqae965eR5mnb
 5hHGNxJ42MTjk5Hoc6YWrVr0b1Je7dLorL5Gjw9OEuZLX7zF8MfDbxnr+ovcRGbTI47iJZluXJP
 luAcmEnhlBHKkZ5I985YujTVlq/LSz9TV021qtGeqahptnoWufYLzS3vrSysEuby4hknDY2zkyF
 t+1eYVG09d5wflrzKmd4yFRpS91K+y8/8j18Jw/hMThozbtUlLlWujd4K1t9pN32VrdS7p6eHNQ
 043Vp4c1OTbaXFy0S3Um/dE5Qxhd2SWIOOPrg8U1nuLkrp9H0XT5GdThyhSqKnKaV5RV7u1pJO9
 720T119NNRl/J4Ss8ltHu5Iv7PN8JYr5mVvkkcKCH5ysTHPTkfgpZ9iY683S+y/y8iqPDEKrUdn
 zctne61Su/nJaepZFt4YW4sYLjRrqKS5nktyPtrtsZXCZ4bkEsD2wPyqv7bxel5fgv8AIx/1fot
 SlHWyT69Vfv8A5lBLTTDpXh25OmIZdStrOaXFxNhTLPBG20b+mJWIyeoHWo/tzG8sXzb26Lq15H
 VLh7BqtWp2doOaWv8ALGTV/wDwFXE1JvD9tbXJXQbqJwk/kySXrshdEnYbgHzg/Z39+V9Tgnn2L
 im+bv0Xn5eQYfhnD1KkY819Y33vZuKdvP3l+PleZ18PQQ3JufDt6JbS3eadY752ClSoCj5snO8Y
 49fxp57i1e8tvJf5GUeHKE3HkkrSaSvdbpu71srW7haW2h3t/ai30qVLWe3tJwstxMJF8151YH5
 +3lDH1P4JZ5jJSSUtNOi638vIdTh7DUqUnLVpzWj093kt/wClP8C9odv4N1TSzeNY3UP+ki0WMT
 zStJIY1kAQKSW+RsnA42t2Ga2o5xi6qbUtvJf5HHjskpYOcYyV7q637td+6ZLqNv4A05blr37RE
 tsD5pLXPysIhKY/+unlkNs+9jtW6zDHO1pb+S9O3c4fqWH/AJfxZNa6f4Du5LlLYyym2l8mQrLc
 FQ21WwDnDcMORkduoNS8yxiteX4L/If1Kh/L+LOzn0LTLjUpr+4sYJbuaBbaR5EDbo1ZmC89ss3
 5153PK3LfQ6rIyvFzjRZ7fxLGCEtsQX4H8dqzfeI7mNjvHXA8wD71Yzlye906nfhIPEp4Vat6x/
 xdv+3lp68vYuaE1nr2lrq7WAjGqWyqyygMZIMsYww6cq5OO24inFKS5mtzOs6mHqeyjP4G7W76X
 a+5a+SLFnoGl2UHk2tlFFH5bRYUdVZtzD8WOc+tNQitEiZ4qtUlzTk29/wt+WnoQN4V0JlQNpls
 dlubQZXJ8oggr+TN7/MfU1PsodvItY/Erao9+bfr39dF9yJ5NB0uSaKV7KIvHIZVPPDkhifzANP
 kj2IWKrJOKk7PT5bfkNbw9pLLp6tYQEaeqra5H+qClSoHsCinB7qD1Ao9nHTTYf1yv7/vv399d7
 33+9/ewl8O6RMm2Wwgdfm4YZHzCQH8xLIP+BGh04PRoI4yvB80ZtP/ACaf5pfchIvDejxRTRJp8
 GyZGjkBGd6sQSDnryB+VHs47WB4yu2pc7utV8h8GgaVB5Xk2MKeUiRpgdFQsVH4F2P/AAI0KnFd
 BSxdaV7zet383a/32X3ECeF9HjgaGGz8pC4k/dSujBwoUMGBBDbQFyDnHHSrglT+EitXqV2pVZX
 a/wCH/Nsc3hjRmuXnawiLuQzAk7SwUIH25xv2KF3Y3bRjOOKv2krWuY2CDwzo1ugSDT4YkGMLHl
 RwAOgPoBSc5PdjsbFSBBf2kF/Y3FneRiW2uI2ilQ9GVhgj8jSklJWZdKpKlNVIOzTuvVD7eGO2t
 4oIFCRRKERR2AGAKZBJQAUAFABQAUAFABQAUAFABQAUAFABQAUAFABQAUAFABQAUAFABQAUAFAB
 QAUAFABQAUAFABQAUAFABQAUAFABQAUAFABQAUAFABQAUAFABQAUAFABQAUAFABQAUAFABQAUAF
 ABQAUAFABQAUAFABQAUAFABQAUAFABQAUAFABQAUAFAH/2Q==
END:VCARD