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Effective as of 2007, AAOIC insureds are required to complete the AAO-endorsed Risk Management Program annually in order to receive a 10% premium discount (maximum premium discounts do apply). Insureds may attend the Risk Management Seminar at the AAO Annual Session or purchase and view the DVD produced at the seminar. The examination that accompanies the DVD must be completed and returned to AAOIC prior to receiving a premium credit.