Please find enclosed for your review and approval the rate filing for dentists and oral surgeons only. I request the effective date of September 1, 2007 for this filing submission. The attached Filing Memorandum and its exhibits summarizes the rate development. Please note that we have adopted The American Insurance Company's class plan. I believe you will find everything in order. However, if you have any questions, please contact me at (800) 282-6242, ext. 4426 or email me at email@example.com.