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The Reporting Person is entitled to a certain percentage of the assets held in a pooled retirement account, which holds shares of ORI Common Stock (the 401-K account). The number of shares held by the Reporting Person in the 401-K account is calculated by dividing the funds attributable to the Reporting Person by the share price of ORI Common Stock at any determination date. Although the Reporting Person received the required distribution mandated by the Internal Revenue Code, there was an increase in the value of the assets attributable to the Reporting Person in the 401-K account. 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