A merican Club Circular No. 45 /20 1 DECEMBER 21, 2020 CIRCULAR NO. 45/20 TO MEMBERS OF THE ASSOCIATION Dear Member: CURRENTS - THE AMERICAN CLUB’S IN-HOUSE NEWSLETTER Your Managers are pleased to announce the publication of the latest edition of the Club’s in-house newsletter, Currents. It can be accessed at: https://www.american-club.com/files/files/currents_45.pdf It is hoped that Members and their brokers, as well as the Club’s many business associates and other friends across the world, will enjoy reading this edition – which contains insights into topics such as COVID-19’s effect on crew changes, the 2020 Sulfur Cap, cyber security in the age of COVID and links to the Club’s video logs on a variety of topics as well as to videos of the Club’s recent webinars. Most par ticularly, it is hoped that all who read it will find its contents to be both interesting and useful. Y ours faithfully, J oseph E.M. Hughes, Chairman & CEO Shipowners Claims Bureau, Inc., Managers for THE AMERICAN CLUB