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good morning everybody welcome to nolte breakfast club well be starting in just a minute here so again welcome everybody this is the nolte breakfast club if this is the seminar you signed up for youre at the right place if its not youre still going to like it right angie you got it exciting stuff its insurance it has to be exciting all right so weve got us just a few seconds almost 901 so well go ahead and get started here this is the nolte breakfast club i think its our fourth of six this spring or fifth of six or five 507 its something were were somewhere along the line and we welcome you were glad youre here were doing certificates of insurance 101 today its one weve never done before um we will have you out of here by 9 15. thats a promise um i am tom jager im the commercial alliance team leader here at nolte and im joined in her debut appearance today by angie angie would you like to introduce yourself hello everyone im angie trepanyer um im a commercialized a