Your Man Tours, as an Active Member of the United States Tour Operators Association ("USTOA"), is required to post $1 Million with USTOA to be used to reimburse, in accordance with the terms and conditions of the USTOA Consumer Protection Plan, the advance payments of YMT customers in the unlikely event of YMT bankruptcy or insolvency. Complete details of the USTOA Consumer Protection Plan may be obtained by writing to 275 Madison Avenue, Suite 2014, New York, NY 10016 or by visiting their website at USTOA.com.