<SEC-DOCUMENT>0000919574-20-004740.txt : 20200731
<SEC-HEADER>0000919574-20-004740.hdr.sgml : 20200731
<ACCEPTANCE-DATETIME>20200730200835
ACCESSION NUMBER:		0000919574-20-004740
CONFORMED SUBMISSION TYPE:	40-17G
PUBLIC DOCUMENT COUNT:		21
FILED AS OF DATE:		20200731
DATE AS OF CHANGE:		20200730
EFFECTIVENESS DATE:		20200731

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AB BOND FUND, INC.
		CENTRAL INDEX KEY:			0000003794
		IRS NUMBER:				132754393
		FISCAL YEAR END:			0930

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-02383
		FILM NUMBER:		201062777

	BUSINESS ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		2129691000

	MAIL ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN BOND FUND INC
		DATE OF NAME CHANGE:	20030319

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCE BOND FUND INC
		DATE OF NAME CHANGE:	19920703

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AB RELATIVE VALUE FUND, INC.
		CENTRAL INDEX KEY:			0000029292
		IRS NUMBER:				136020888
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			1031

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-00126
		FILM NUMBER:		201062792

	BUSINESS ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		2129691000

	MAIL ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	AB GROWTH & INCOME FUND INC
		DATE OF NAME CHANGE:	20150123

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN GROWTH & INCOME FUND INC
		DATE OF NAME CHANGE:	20030319

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCE GROWTH & INCOME FUND INC
		DATE OF NAME CHANGE:	19920703

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AB GLOBAL RISK ALLOCATION FUND, INC.
		CENTRAL INDEX KEY:			0000069752
		IRS NUMBER:				136020908
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1130

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-00134
		FILM NUMBER:		201062786

	BUSINESS ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		2129691000

	MAIL ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN GLOBAL RISK ALLOCATION FUND, INC.
		DATE OF NAME CHANGE:	20121005

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN BALANCED SHARES INC
		DATE OF NAME CHANGE:	20030319

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCE BALANCED SHARES INC/NJ
		DATE OF NAME CHANGE:	19990428

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AB DISCOVERY GROWTH FUND, INC.
		CENTRAL INDEX KEY:			0000019614
		IRS NUMBER:				136021421
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			0731

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-00204
		FILM NUMBER:		201062781

	BUSINESS ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		2129691000

	MAIL ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN DISCOVERY GROWTH FUND, INC.
		DATE OF NAME CHANGE:	20121031

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN SMALL MID CAP GROWTH FUND
		DATE OF NAME CHANGE:	20081103

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN MID CAP GROWTH FUND INC
		DATE OF NAME CHANGE:	20030319

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AB CAP FUND, INC.
		CENTRAL INDEX KEY:			0000081443
		IRS NUMBER:				132625045
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			0731

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-01716
		FILM NUMBER:		201062778

	BUSINESS ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		2129691000

	MAIL ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN CAP FUND, INC.
		DATE OF NAME CHANGE:	20110524

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN CAP FUND,INC
		DATE OF NAME CHANGE:	20040908

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN SMALL CAP GROWTH FUND INC
		DATE OF NAME CHANGE:	19931001

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AB SUSTAINABLE GLOBAL THEMATIC FUND, INC.
		CENTRAL INDEX KEY:			0000350181
		IRS NUMBER:				133056623
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			0731

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-03131
		FILM NUMBER:		201062793

	BUSINESS ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		2129691000

	MAIL ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	AB GLOBAL THEMATIC GROWTH FUND, INC.
		DATE OF NAME CHANGE:	20150123

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN GLOBAL THEMATIC GROWTH FUND, INC.
		DATE OF NAME CHANGE:	20081103

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN GLOBAL TECHNOLOGY FUND INC
		DATE OF NAME CHANGE:	20041215

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AB MUNICIPAL INCOME FUND, INC.
		CENTRAL INDEX KEY:			0000798737
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1031

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-04791
		FILM NUMBER:		201062791

	BUSINESS ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		2129691000

	MAIL ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN MUNICIPAL INCOME FUND INC
		DATE OF NAME CHANGE:	20030319

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCE MUNICIPAL INCOME FUND INC/NY/
		DATE OF NAME CHANGE:	20010629

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCE MUNICIPAL INCOME FUND INC/NY
		DATE OF NAME CHANGE:	20010629

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AB PORTFOLIOS
		CENTRAL INDEX KEY:			0000812015
		IRS NUMBER:				000000000
		FISCAL YEAR END:			0831

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-05088
		FILM NUMBER:		201062796

	BUSINESS ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		2129691000

	MAIL ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN PORTFOLIOS
		DATE OF NAME CHANGE:	20030319

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCE PORTFOLIOS
		DATE OF NAME CHANGE:	19930812

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	EQUITABLE FUNDS
		DATE OF NAME CHANGE:	19920703

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AB VARIABLE PRODUCTS SERIES FUND, INC.
		CENTRAL INDEX KEY:			0000825316
		IRS NUMBER:				000000000
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-05398
		FILM NUMBER:		201062798

	BUSINESS ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		2129691000

	MAIL ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN VARIABLE PRODUCTS SERIES FUND INC
		DATE OF NAME CHANGE:	19920703

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BERNSTEIN SANFORD C FUND INC
		CENTRAL INDEX KEY:			0000832808
		IRS NUMBER:				133464161
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			0930

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-05555
		FILM NUMBER:		201062802

	BUSINESS ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		2129691000

	MAIL ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10153

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AB FIXED INCOME SHARES INC
		CENTRAL INDEX KEY:			0000862021
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			0430

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-06068
		FILM NUMBER:		201062783

	BUSINESS ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		2129691000

	MAIL ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN FIXED INCOME SHARES INC
		DATE OF NAME CHANGE:	20060417

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN INSTITUTIONAL RESERVES INC
		DATE OF NAME CHANGE:	20030319

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCE INSTITUTIONAL RESERVES INC
		DATE OF NAME CHANGE:	19980716

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AB GLOBAL BOND FUND, INC.
		CENTRAL INDEX KEY:			0000883676
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			0930

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-06554
		FILM NUMBER:		201062784

	BUSINESS ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		2129691000

	MAIL ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS 31ST FL
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN GLOBAL BOND FUND INC
		DATE OF NAME CHANGE:	20071105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN GLOBAL GOVERNMENT INCOME TRUST INC
		DATE OF NAME CHANGE:	20060201

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN AMERICAS GOVERNMENT INCOME TRUST INC
		DATE OF NAME CHANGE:	20030319

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AB LARGE CAP GROWTH FUND INC
		CENTRAL INDEX KEY:			0000889508
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			0731

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-06730
		FILM NUMBER:		201062789

	BUSINESS ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		2129691000

	MAIL ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN  LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN LARGE CAP GROWTH FUND INC
		DATE OF NAME CHANGE:	20041215

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN PREMIER GROWTH FUND INC
		DATE OF NAME CHANGE:	20030319

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCE PREMIER GROWTH FUND INC /
		DATE OF NAME CHANGE:	19981112

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AB UNCONSTRAINED BOND FUND, INC.
		CENTRAL INDEX KEY:			0001002718
		IRS NUMBER:				000000000
		FISCAL YEAR END:			1031

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-07391
		FILM NUMBER:		201062797

	BUSINESS ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		2129692124

	MAIL ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN UNCONSTRAINED BOND FUND, INC.
		DATE OF NAME CHANGE:	20110204

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN DIVERSIFIED YIELD FUND INC
		DATE OF NAME CHANGE:	20071105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN GLOBAL STRATEGIC INCOME TRUST INC
		DATE OF NAME CHANGE:	20030319

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AB MUNICIPAL INCOME FUND II
		CENTRAL INDEX KEY:			0000899774
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			0930

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-07618
		FILM NUMBER:		201062776

	BUSINESS ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		2129691000

	MAIL ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN MUNICIPAL INCOME FUND II
		DATE OF NAME CHANGE:	20030319

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCE MUNICIPAL INCOME FUND II
		DATE OF NAME CHANGE:	19930714

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AB GLOBAL REAL ESTATE INVESTMENT FUND INC
		CENTRAL INDEX KEY:			0001018368
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			1130

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-07707
		FILM NUMBER:		201062785

	BUSINESS ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		2129692124

	MAIL ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN GLOBAL REAL ESTATE INVESTMENT FUND INC
		DATE OF NAME CHANGE:	20070302

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN REAL ESTATE INVESTMENT FUND INC /
		DATE OF NAME CHANGE:	19981112

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCE REAL ESTATE INVESTMENT INSTITUTIONAL FUND
		DATE OF NAME CHANGE:	19981019

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ALLIANCEBERNSTEIN GLOBAL HIGH INCOME FUND INC
		CENTRAL INDEX KEY:			0000906013
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			0331

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-07732
		FILM NUMBER:		201062800

	BUSINESS ADDRESS:	
		STREET 1:		1345 AVE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		2129691000

	MAIL ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCE WORLD DOLLAR GOVERNMENT FUND II INC
		DATE OF NAME CHANGE:	19930714

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AB EQUITY INCOME FUND INC
		CENTRAL INDEX KEY:			0000910036
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			1130

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-07916
		FILM NUMBER:		201062782

	BUSINESS ADDRESS:	
		STREET 1:		135 W 50TH STREET
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		2013194105

	MAIL ADDRESS:	
		STREET 1:		ALLIANCE CAPITAL MANAGEMENT LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN EQUITY INCOME FUND INC
		DATE OF NAME CHANGE:	20100901

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN UTILITY INCOME FUND INC
		DATE OF NAME CHANGE:	20080409

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN  UTILITY INCOME FUND INC
		DATE OF NAME CHANGE:	19930730

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AB HIGH INCOME FUND INC
		CENTRAL INDEX KEY:			0000915845
		IRS NUMBER:				133747683
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			1031

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-08188
		FILM NUMBER:		201062787

	BUSINESS ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		2129691000

	MAIL ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN HIGH INCOME FUND INC
		DATE OF NAME CHANGE:	20080130

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN EMERGING MARKET DEBT FUND INC
		DATE OF NAME CHANGE:	20030319

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCE EMERGING MARKET DEBT FUND INC
		DATE OF NAME CHANGE:	19931207

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AB INSTITUTIONAL FUNDS INC
		CENTRAL INDEX KEY:			0001018592
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1031

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-08403
		FILM NUMBER:		201062788

	BUSINESS ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OFTHE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		2129691000

	MAIL ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN INSTITUTIONAL FUNDS INC
		DATE OF NAME CHANGE:	20030319

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCE INSTITUTIONAL FUNDS INC
		DATE OF NAME CHANGE:	19970930

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCE INSTITUTIONAL FUNDS
		DATE OF NAME CHANGE:	19960711

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AB SUSTAINABLE INTERNATIONAL THEMATIC FUND INC
		CENTRAL INDEX KEY:			0000920701
		IRS NUMBER:				000000000
		FISCAL YEAR END:			0630

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-08426
		FILM NUMBER:		201062794

	BUSINESS ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		2129691000

	MAIL ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	AB SUSTAINABLE INTERNATIONALTHEMATIC FUND, INC.
		DATE OF NAME CHANGE:	20180108

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	AB INTERNATIONAL GROWTH FUND INC
		DATE OF NAME CHANGE:	20150123

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN INTERNATIONAL GROWTH FUND INC
		DATE OF NAME CHANGE:	20050516

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AB CORE OPPORTUNITIES FUND, INC.
		CENTRAL INDEX KEY:			0001090504
		IRS NUMBER:				000000000
		FISCAL YEAR END:			1130

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-09687
		FILM NUMBER:		201062779

	BUSINESS ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		2129692124

	MAIL ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN CORE OPPORTUNITIES FUND, INC.
		DATE OF NAME CHANGE:	20100301

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN FOCUSED GROWTH & INCOME FUND INC
		DATE OF NAME CHANGE:	20041215

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN DISCIPLINED VALUE FUND INC
		DATE OF NAME CHANGE:	19990714

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AB TRUST
		CENTRAL INDEX KEY:			0001129870
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1130

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-10221
		FILM NUMBER:		201062795

	BUSINESS ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		2129691000

	MAIL ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN TRUST
		DATE OF NAME CHANGE:	20001214

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN VALUE TRUST
		DATE OF NAME CHANGE:	20001212

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ALLIANCEBERNSTEIN NATIONAL MUNICIPAL INCOME FUND
		CENTRAL INDEX KEY:			0001162027
		IRS NUMBER:				000000000
		FISCAL YEAR END:			1031

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-10573
		FILM NUMBER:		201062799

	BUSINESS ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		2129692124

	MAIL ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCE NATIONAL MUNICIPAL INCOME FUND
		DATE OF NAME CHANGE:	20011108

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BERNSTEIN SANFORD C FUND II INC
		CENTRAL INDEX KEY:			0001166729
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			0930

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-21034
		FILM NUMBER:		201062803

	BUSINESS ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		2129691000

	MAIL ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AB CORPORATE SHARES
		CENTRAL INDEX KEY:			0001274676
		IRS NUMBER:				000000000
		FISCAL YEAR END:			0430

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-21497
		FILM NUMBER:		201062780

	BUSINESS ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		2129691000

	MAIL ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALLIANCEBERNSTEIN CORPORATE SHARES
		DATE OF NAME CHANGE:	20031230

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AB Multi-Manager Alternative Fund
		CENTRAL INDEX KEY:			0001543188
		IRS NUMBER:				000000000

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-22671
		FILM NUMBER:		201062790

	BUSINESS ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		2129691000

	MAIL ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	AllianceBernstein Multi-Manager Alternative Fund
		DATE OF NAME CHANGE:	20120224

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Bernstein Fund Inc
		CENTRAL INDEX KEY:			0001653463
		IRS NUMBER:				000000000

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-23100
		FILM NUMBER:		201062801

	BUSINESS ADDRESS:	
		STREET 1:		ALLIANCEBERNSTEIN LP
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		212-969-10000

	MAIL ADDRESS:	
		STREET 1:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
</SEC-HEADER>
<DOCUMENT>
<TYPE>40-17G
<SEQUENCE>1
<FILENAME>d8532020_40-17g.htm
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 11pt Times New Roman, Times, Serif">

<P STYLE="margin: 0"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">ALLIANCEBERNSTEIN L.P.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">1345 Avenue of the Americas</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">New York, NY 10105</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">212-969-1000</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 50%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif">July 30, 2020</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"><U>VIA EDGAR</U></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Securities and Exchange Commission</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">100 F Street, N.E.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Washington, D.C. 20549</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">Re:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Filing
Pursuant to Rule 17g-1 under the Investment Company</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 1.5in">Act of 1940 with Respect to Registered Investment</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 100pt">&#9;<U>Companies Managed by AllianceBernstein L.P.&#9;</U></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Dear Sirs:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">Enclosed, on behalf of each of the registered
investment companies (the &quot;Funds&quot;) managed by AllianceBernstein L.P. (see Schedule A, attached hereto), and pursuant
to Rule 17g-1 under the Investment Company Act of 1940, as amended, are copies of the following documents:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">(i) The Investment Company Blanket Bond (the &quot;Bond&quot;)
for the period May 15, 2020 to May 15, 2021, on which AllianceBernstein L.P. and the Funds are the named insureds (Exhibit A);</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">(ii) The Joint Fidelity Bond Agreement entered
into by AllianceBernstein L.P. and the Funds (Exhibit B); and</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">(iii) The resolutions of the Boards of Directors
or Trustees of the Funds, including a majority of the Directors or Trustees who are not interested persons of the Funds, approving
the amount, type, form and coverage of the Bond (Exhibits C-1, C-2 and C-3).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">The premium in connection with the Bond has been
paid in full.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 50%; padding-right: 5.4pt; padding-left: 5.4pt">Sincerely,</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">/s/ David Lesser</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">David Lesser</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Vice President, Counsel and</P>
        <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Corporate Secretary</P></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Enclosures</P>

<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><U>SCHEDULE A</U></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: right">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: right">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 86%; border: Black 1pt solid; padding-top: 6pt; padding-bottom: 6pt; text-align: center"><FONT STYLE="font-size: 11pt">NAME OF FUND</FONT></TD>
    <TD STYLE="width: 14%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 6pt; padding-bottom: 6pt; text-align: center"><FONT STYLE="font-size: 11pt">File No.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">AB BOND FUND, INC.</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">811-02383</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">AB CAP FUND, INC.</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">811-01716</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">AB CORE OPPORTUNITIES FUND, INC.</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">811-09687</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">AB CORPORATE SHARES</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">811-21497</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">AB DISCOVERY GROWTH FUND, INC.</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">811-00204</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">AB EQUITY INCOME FUND, INC.</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">811-07916</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">AB FIXED-INCOME SHARES, INC.</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">811-06068</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">AB GLOBAL BOND FUND, INC.</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">811-06554</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">AB GLOBAL REAL ESTATE INVESTMENT FUND, INC.</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">811-07707</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">AB GLOBAL RISK ALLOCATION FUND, INC.</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">811-00134</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">AB HIGH INCOME FUND, INC.</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">811-08188</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">AB INSTITUTIONAL FUNDS, INC.</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">811-08403</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">AB LARGE CAP GROWTH FUND, INC.</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">811-06730</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">AB MULTI-MANAGER ALTERNATIVE FUND</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">811-22671</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">AB MUNICIPAL INCOME FUND, INC.</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">811-04791</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">AB MUNICIPAL INCOME FUND II</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">811-07618</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">AB RELATIVE VALUE FUND, INC.</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">811-00126</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">AB SUSTAINABLE GLOBAL THEMATIC FUND, INC.</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">811-03131</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">AB SUSTAINABLE INTERNATIONAL THEMATIC FUND, INC.</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">811-08426</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">AB TRUST</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">811-10221</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">AB UNCONSTRAINED BOND FUND, INC.</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">811-07391</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">AB VARIABLE PRODUCTS SERIES FUND, INC.</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">811-05398</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">ALLIANCEBERNSTEIN GLOBAL HIGH &nbsp;INCOME FUND, INC.</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">811-07732</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">ALLIANCEBERNSTEIN NATIONAL MUNICIPAL INCOME FUND, INC.</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">811-10573</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">BERNSTEIN FUND, INC.</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">811-23100</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">SANFORD C. BERNSTEIN FUND, INC.</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">811-05555</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">SANFORD C. BERNSTEIN FUND II, INC.</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">811-21034</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">THE AB PORTFOLIOS</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">811-05088</FONT></TD></TR>
</TABLE>
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<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Exhibit A</P>

<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 9.35pt; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 9.35pt 0 0 193.2pt"></P>

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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 1.75pt; margin-bottom: 0; margin-left: 0; text-align: center">POLICYHOLDER NOTICE</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0.15pt 0 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 2.1pt; margin-bottom: 0; margin-left: 0; text-align: justify">Thank you for purchasing insurance
from a member company of American International Group, Inc. (AIG). The AIG member companies generally pay compensation to brokers
and independent agents, and may have paid compensation in connection with your policy. You can review and obtain information about
the nature and range of compensation paid by AIG member companies to brokers and independent agents in the United States by visiting
our website at www.aig.com/producer-compensation or by calling 1-800-706-3102.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 2.1pt; margin-bottom: 0; margin-left: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 2.1pt; margin-bottom: 0; margin-left: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 2.1pt; margin-bottom: 0; margin-left: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 2.1pt; margin-bottom: 0; margin-left: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 2.1pt; margin-bottom: 0; margin-left: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 2.1pt; margin-bottom: 0; margin-left: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 2.1pt; margin-bottom: 0; margin-left: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 2.1pt; margin-bottom: 0; margin-left: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 2.1pt; margin-bottom: 0; margin-left: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 2.1pt; margin-bottom: 0; margin-left: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 2.1pt; margin-bottom: 0; margin-left: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 2.1pt; margin-bottom: 0; margin-left: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 2.1pt; margin-bottom: 0; margin-left: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 2.1pt; margin-bottom: 0; margin-left: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 2.1pt; margin-bottom: 0; margin-left: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 2.1pt; margin-bottom: 0; margin-left: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 2.1pt; margin-bottom: 0; margin-left: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 2.1pt; margin-bottom: 0; margin-left: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 2.1pt; margin-bottom: 0; margin-left: 0; text-align: justify">91222 (9/16)</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 2.1pt; margin-bottom: 0; margin-left: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 2.1pt; margin-bottom: 0; margin-left: 0; text-align: justify"></P>

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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 2.1pt; margin-bottom: 0; margin-left: 0; text-align: justify">&nbsp;</P>



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<P STYLE="font: 17pt Times New Roman, Times, Serif; margin: 0.6pt 0 0; text-align: center"><U>IMPORTANT NOTICE TO OUR CUSTOMERS</U></P>

<P STYLE="font: 19.5pt Times New Roman, Times, Serif; margin: 0.1pt 0 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 4pt 0 0; text-align: justify">Article 63 of the New York Insurance
Code and Regulation 86 of the New York Rules and Regulations exempt certain risks from rate and policy form filing requirements.
We used the regulations to price and/ or create coverage forms and endorsements attached to your policy. The regulations require
us to attach this notice to your policy or to endorsements issued subsequent to the issuance of your policy.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 4pt 0 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 4pt 0 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 2%; border-right: Black 1pt solid; font-weight: normal; text-align: justify; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="width: 96%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">
        <P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 5.35pt 0 0 35.5pt">NOTICE:</P>
        <P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0 0 0 35.5pt">THESE POLICY FORMS AND THE APPLICABLE</P>
        <P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0.1pt 22.9pt 0 35.5pt">RATES ARE EXEMPT FROM THE FILING REQUIREMENTS
        OF THE NEW YORK STATE INSURANCE LAW AND REGULATIONS. HOWEVER, THE FORMS AND RATES MUST MEET THE MINIMUM STANDARDS OF THE NEW YORK
        INSURANCE LAW AND REGULATIONS.</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 4pt 0 0; text-align: justify">&nbsp;</P></TD>
    <TD STYLE="width: 2%; font-weight: normal; text-align: justify; font-size: 11pt">&nbsp;</TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; text-align: left; margin-top: 9.35pt; margin-bottom: 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 1pt; width: 15%; font-size: 10pt"><FONT STYLE="font-size: 11pt">Policy
    number:</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; width: 85%; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt"><B><I>01-340-37-26</I></B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt"><FONT STYLE="font-size: 11pt">Issued
    to:</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt"><B><I>AllianceBernstein
    Complex of Registered Investment Companies</I></B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 3.35pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%; font-size: 10pt"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 95%; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt"><B><I>National
    Union Fire Insurance Company of Pittsburgh, Pa.</I></B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 1pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 25%; font-size: 10pt"><FONT STYLE="font-size: 11pt">NYFTZ Classification Code:</FONT></TD>
    <TD STYLE="font-size: 10pt; width: 75%"><FONT STYLE="font-size: 12pt"><B><I>1-14180</I></B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>



<P STYLE="font: 11pt Times New Roman, Times, Serif; text-align: left; margin-top: 9.35pt; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; text-align: left; margin-top: 9.35pt; margin-bottom: 0">&nbsp;</P>

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<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 2pt 0 0 147.2pt"><IMG SRC="image_030.jpg" ALT="" STYLE="height: 9px; width: 9px">American
International Group, Inc. All rights reserved.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 2pt 0 0 147.2pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 2pt 0 0 147.2pt">&nbsp;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; width: 34%">91250 (06/18)</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 33%"><FONT STYLE="font-size: 11pt">Page
    1 of 1</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; width: 33%">&nbsp;</TD></TR>
</TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 2pt 0 0 147.2pt"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 2pt; margin-bottom: 0; text-align: left">&nbsp;<IMG SRC="image_032.jpg" ALT=""></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 2pt; margin-bottom: 0; text-align: left"></P>

<P STYLE="font: bold 11pt Times New Roman, Times, Serif; margin: 4.75pt 0 0; text-align: center">National Union Fire Insurance
Company of Pittsburgh, Pa.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 0 376.05pt; text-align: right">A capital stock company</P>

<P STYLE="font: 6.5pt Times New Roman, Times, Serif; margin: 0.25pt 0 0">&nbsp;</P>

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<P STYLE="font: 6.5pt Times New Roman, Times, Serif; margin: 0.25pt 0 0"></P>

<P STYLE="font: 16.5pt Times New Roman, Times, Serif; margin: 0.35pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 37%; font-size: 11pt; text-align: center">POLICY NUMBER: 01-340-37-26</TD>
    <TD STYLE="width: 63%; font-size: 11pt; text-align: right">REPLACEMENT OF POLICY NUMBER: 01-415-96-82</TD></TR>
</TABLE>
<P STYLE="font: 13pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 13pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11.5pt Times New Roman, Times, Serif; margin: 0.15pt 0 0">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 1.95pt 0 3.85pt; text-align: center">INVESTMENT COMPANY BLANKET
BOND</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0.4pt 165.15pt 0 167.05pt; text-align: center">(A Stock Insurance Company,
Herein Called the Underwriter)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%">&nbsp;</TD>
    <TD STYLE="width: 40%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 40%">Bond No. 01-340-37-26</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="4" STYLE="font-weight: bold; text-align: center; text-underline-color: black">DECLARATIONS</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-underline-color: black"><FONT STYLE="font-size: 7pt; font-weight: normal">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-underline-color: black"><FONT STYLE="font-size: 7pt; font-weight: normal">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-underline-color: black"><FONT STYLE="font-size: 7pt; font-weight: normal">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-underline-color: black"><FONT STYLE="font-size: 7pt; font-weight: normal">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><B>Item 1.</B></TD>
    <TD>Name of Insured (herein called Insured):</TD>
    <TD>&nbsp;</TD>
    <TD>AllianceBernstein Complex of Registered Investment Companies</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Principal Address:</TD>
    <TD>&nbsp;</TD>
    <TD>1345 AVENUE OF THE AMERICAS NEW YORK, NY 10105</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><B>Item 2. &nbsp;</B></TD>
    <TD COLSPAN="3">Bond Period: from <B>12:01a.m. </B>05/15/2020&nbsp;&nbsp;<B>to&nbsp;&nbsp;12:01a.m.&nbsp;&nbsp;</B>05/15/2021 the effective&nbsp;&nbsp;date of the termination or cancellation of this bond, standard time at the Principal Address as to each of said dates.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><B>Item 3.</B></TD>
    <TD COLSPAN="3">Limit of Liability--Subject to Sections 9, 10 and 12 hereof,</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 2pt; margin-bottom: 0; text-align: left"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-bottom: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 2pt; margin-bottom: 0; text-align: left"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 11pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 60%; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amount applicable to</FONT></TD>
    <TD STYLE="width: 20%; padding-left: 15pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Single Loss Limit of Liability</FONT></TD>
    <TD STYLE="width: 20%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Single Loss Deductible</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 2.5pt">&nbsp;</TD>
    <TD STYLE="padding-left: 15pt; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insuring Agreement (A) Fidelity</FONT></TD>
    <TD STYLE="padding-left: 15pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$50,000,000</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$100,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insuring Agreement (B) Audit Expense</FONT></TD>
    <TD STYLE="padding-left: 14.6pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$50,000</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$10,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insuring Agreement (C) On Premises</FONT></TD>
    <TD STYLE="padding-left: 16pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$50,000,000</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$100,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insuring Agreement (D) In Transit</FONT></TD>
    <TD STYLE="padding-left: 16pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$50,000,000</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$100,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insuring Agreement (E) Securities</FONT></TD>
    <TD STYLE="padding-left: 16pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$50,000,000</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$100,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insuring Agreement (G) Counterfeit Currency</FONT></TD>
    <TD STYLE="padding-left: 16pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$50,000,000</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$100,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insuring Agreement (H) Stop Payment</FONT></TD>
    <TD STYLE="padding-left: 14.85pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$25,000</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$5,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insuring Agreement (I) Uncollectible Items of Deposit</FONT></TD>
    <TD STYLE="padding-left: 14.55pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$25,000</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$5,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Optional Insuring Agreements:</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insuring Agreement (J) Computer Systems</FONT></TD>
    <TD STYLE="padding-left: 14.9pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$50,000,000</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$100,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insuring Agreement (K) Telefacsimile Transfer Fraud</FONT></TD>
    <TD STYLE="padding-left: 14.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$50,000,000</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$100,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insuring Agreement (L)-Automated Phone Systems</FONT></TD>
    <TD STYLE="padding-left: 14.7pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$50,000,000</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$100,000</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 2pt; margin-bottom: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 2pt; margin-bottom: 0; text-align: left"></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3.8pt 29pt 0 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3.8pt 29pt 0 3.85pt; text-align: center">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 2pt; margin-bottom: 0; text-align: left"></P>

<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 34%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">MNSCPT</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">1</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 33%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid; width: 15%; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; width: 85%; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">If &quot;Not Covered&quot; is inserted above opposite any specified Insuring Agreement or Coverage, such Insuring Agreement or Coverage and any other reference thereto in this bond shall be deemed to be deleted therefrom.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid"><B>Item 4.</B></TD>
    <TD STYLE="border-top: Black 1pt solid">Offices or Premises Covered--Offices acquired or established subsequent to the effective
date of this bond are covered according to the terms of General Agreement A. All the Insured's offices or premises in existence
at the time this bond becomes effective are covered under this bond except the offices or premises located as follows: <B>No Exceptions</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid; font-size: 11pt"><FONT STYLE="font-size: 10pt"><B>Item 5.</B></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; font-size: 11pt"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B>The liability of the
    Underwriter is subject to the terms of the following riders attached hereto: <B>#1, #2, #3, #4, #5, #6, #7, #8, #9, #10, #11,
    #12, #13, #14, #15, #16, #17, #18, #19</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid; text-align: justify"><B>Item 6.</B></TD>
    <TD STYLE="border-top: Black 1pt solid; text-align: justify"><B>&nbsp;</B>The Insured by the acceptance of this bond gives to the Underwriter terminating or cancelling prior bond(s) or policy(ies) No.(s) 01-415-96-82 such termination or cancellation to be effective as of the time this bond becomes effective.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid; font-weight: bold; text-underline-color: black">Item 7. </TD>
    <TD STYLE="border-top: Black 1pt solid; font-weight: bold; text-underline-color: black">PREMIUM: $48,825 part of $162,750</TD></TR>
</TABLE>


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<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 34%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">MNSCPT</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">1</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 33%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 4.05pt; margin-bottom: 0; text-align: justify"><B>IN WITNESS WHEREOF</B>,
the <B>Insurer </B>has caused this Policy to be signed by its President, Secretary and Authorized Representative. This Policy shall
not be valid unless signed below at the time of issuance by an authorized representative of the insurer.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 4.05pt; margin-bottom: 0; text-align: justify"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; width: 40%">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3.25pt 0 0"></P>
        <P STYLE="text-align: center; margin-top: 0; margin-bottom: 0"><IMG SRC="image_034.jpg" ALT="" STYLE="width: 94px; height: 80px"></P></TD>
    <TD STYLE="width: 20%; font-size: 11pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 40%">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3.25pt 62.75pt 0 0"></P>
        <P STYLE="text-align: center; margin-top: 0; margin-bottom: 0"><IMG SRC="image_036.jpg" ALT="" STYLE="width: 102px; height: 73px"></P>
        <P STYLE="margin: 0"></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 11pt; text-align: center">PRESIDENT</TD>
    <TD STYLE="font-size: 11pt; text-align: center">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; text-align: center">SECRETARY</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 11pt; text-align: center">National Union Fire Insurance Company of <BR>
Pittsburgh, Pa.</TD>
    <TD STYLE="font-size: 11pt; text-align: center">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; text-align: center">National Union Fire Insurance Company of <BR>
Pittsburgh, Pa.</TD></TR>
</TABLE>


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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 4.05pt; margin-bottom: 0; text-align: justify">&nbsp;</P>



<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 30%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 40%; font-size: 11pt; text-align: center"><IMG SRC="image_037.jpg" ALT="">&nbsp;</TD>
    <TD STYLE="width: 30%">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3.25pt 62.75pt 0 0"></P>
        <P STYLE="text-align: center; margin-top: 0; margin-bottom: 0"></P>
        <P STYLE="margin: 0"></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 11pt; text-align: center">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; text-align: center"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 1.9pt 19.8pt 0 3.85pt; text-align: center"><B>AUTHORIZED REPRESENTATIVE</B></P>



</TD>
    <TD STYLE="font-size: 11pt; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 11pt; text-align: center">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; text-align: center">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; text-align: center">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; width: 35%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 20%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 35%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 11pt; text-align: center"><B>COUNTERSIGNED AT</B></TD>
    <TD STYLE="font-size: 11pt; text-align: center">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; text-align: center"><B>DATE</B></TD>
    <TD STYLE="font-size: 11pt; text-align: center">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; text-align: center"><B>COUNTERSIGNATURE</B></TD></TR>
</TABLE>


<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 11.25pt 329.7pt 0 48pt; text-align: justify">AON RISK SERVICES NORTHEAST
INC ONE LIBERTY PLAZA 165 BROADWAY NEW YORK, NY 10006</P>

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<P STYLE="font: 13pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0.25pt 0 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0.05pt 0 0 48pt; text-align: justify">7291382</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 5.05pt 29pt 0 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 5.05pt 29pt 0 3.85pt; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 34%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">MNSCPT</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">2</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 33%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
</TABLE>

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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 5.05pt 29pt 0 3.85pt; text-align: left"><IMG SRC="image_032.jpg" ALT=""></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 5.05pt 29pt 0 3.85pt; text-align: left">&nbsp;</P>



<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="text-align: center; font: 12pt Times New Roman, Times, Serif; margin-bottom: 0">National Union Fire Insurance Company of Pittsburgh,
Pa.&reg;</P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0.9pt 0 0 381.95pt"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 8pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 50%"><P STYLE="text-align: center; font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0">A capital stock company</P></TD></TR>
</TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: center; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: center; margin-bottom: 0">INVESTMENT COMPANY BLANKET BOND</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 0; text-align: justify">The Underwriter, in consideration
of an agreed premium, and subject to the Declarations made a part hereof, the General Agreements, Conditions and Limitations and
other terms of this bond, agrees with the Insured, in accordance with the Insuring Agreements hereof to which an amount of insurance
is applicable as set forth in Item 3 of the Declarations and with respect to loss sustained by the Insured at any time but discovered
during the Bond Period, to indemnify and hold harmless the Insured for:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 0; text-align: left"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">INSURING AGREEMENTS</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">(A)</TD><TD STYLE="text-align: justify">FIDELITY</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 12pt; margin-right: 0; margin-left: 0; text-align: justify">Loss resulting from any dishonest or fraudulent
act(s), including Larceny or Embezzlement committed by an Employee, committed anywhere and whether committed alone or in collusion
with others, including loss of Property resulting from such acts of an Employee, which Property is held by the Insured for any
purpose or in any capacity and whether so held gratuitously or not and whether or not the Insured is liable therefor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-right: 0; margin-bottom: 12pt; margin-left: 0; text-align: justify">Dishonest or fraudulent act(s) as used
in this Insuring Agreement shall mean only dishonest or fraudulent act(s) committed by such Employee with the manifest intent:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD STYLE="text-align: justify">to cause the Insured to sustain such loss; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify">to obtain financial benefit for the Employee, or for any other person or organization intended
by the Employee to receive such benefit, other than salaries, commissions, fees, bonuses, promotions, awards, profit sharing, pensions
or other employee benefits earned in the normal course of employment.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">(B)</TD><TD STYLE="text-align: justify">AUDIT EXPENSE</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 12pt; text-align: justify">Expense incurred by the Insured for that
part of the costs of audits or examinations required by any governmental regulatory authority to be conducted either by such authority
or by an independent accountant by reason of the discovery of loss sustained by the Insured through any dishonest or fraudulent
act(s), including Larceny or Embezzlement of any of the Employees. The total liability of the Underwriter for such expense by reason
of such acts of any Employee or in which such Employee is concerned or implicated or with respect to any one audit or examination
is limited to the amount stated opposite Audit Expense in Item 3 of the Declarations; it being understood, however, that such expense
shall be deemed to be a loss sustained by the Insured through any dishonest or fraudulent act(s), including Larceny or Embezzlement
of one or more of the Employees and the liability under this paragraph shall be in addition to the Limit of liability stated in
Insuring Agreement (A) in Item 3 of the Declarations.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">(C)</TD><TD STYLE="text-align: justify">ON PREMISES</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0; text-align: justify">Loss of Property (occurring with or without
negligence or violence) through robbery, burglary, Larceny, theft, holdup, or other fraudulent means, misplacement, mysterious
unexplainable disappearance, damage thereto or destruction thereof, abstraction or removal from the possession, custody or control
of the Insured, and loss of subscription, conversion, redemption or deposit privileges through the misplacement or loss of Property,
while the Property is (or is supposed or believed by the Insured to be) lodged or deposited within any offices or premises located
anywhere, except in an office listed in Item 4 of the Declarations or amendment thereof or in the mail or with a carrier for hire
other than an armored motor vehicle company, for the purpose of transportation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">Offices and Equipment</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(1)</TD><TD STYLE="text-align: justify">Loss of or damage to, furnishings, fixtures, stationery, supplies or equipment, within any of the
Insured&rsquo;s offices covered under this bond caused by Larceny or theft in, or by burglary, robbery or holdup of such office,
or attempt thereat, or by vandalism or malicious mischief; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(2)</TD><TD STYLE="text-align: justify">loss through damage to any such office by Larceny or theft in, or by burglary, robbery or holdup
of such office or attempt thereat, or to the interior of any such office by</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: right"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%">&nbsp;</TD>
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 33%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">41206 (9/84)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&copy; </FONT><FONT STYLE="font-size: 10pt">All rights reserved.</FONT></TD></TR>
</TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-right: 0; margin-left: 0; text-align: left"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in; text-align: justify">vandalism or malicious mischief
provided, in any event, that the Insured is the owner of such offices, furnishings, fixtures, stationery, supplies or equipment
or is legally liable for such loss or damage, always excepting, however, all loss or damage through fire.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">(D)</TD><TD STYLE="text-align: justify">IN TRANSIT</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">Loss of Property (occurring with or
without negligence or violence) through robbery, Larceny, theft, holdup, misplacement, mysterious unexplainable disappearance,
being lost or otherwise made away with, damage thereto or destruction thereof, and loss of subscription, conversion, redemption
or deposit privileges through the misplacement or loss of Property, while the Property is in transit anywhere in the custody of
any person or persons acting as messenger, except while in the mail or with a carrier for hire, other than an armored motor vehicle
company, for the purpose of transportation, such transit to begin immediately upon receipt of such Property by the transporting
person or persons, and to end immediately upon delivery thereof at destination.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">(E)</TD><TD STYLE="text-align: justify">FORGERY OR ALTERATION</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">Loss through FORGERY or ALTERATION of,
on or in any bills of exchange, checks, drafts, acceptances, certificates of deposit. promissory notes, or other written promises,
orders or directions to pay sums certain in money, due bills, money orders, warrants, orders upon public treasuries, letters of
credit, written instructions, advices or applications directed to the Insured, authorizing or acknowledging the transfer, payment,
delivery or receipt of funds or Property, which instructions or advices or applications purport to have been signed or endorsed
by any customer of the Insured, shareholder or subscriber to shares, whether certificated or uncertificated, of any Investment
Company or by any financial or banking institution or stockbroker but which instructions, advices or applications either bear the
forged signature or endorsement or have been altered without the knowledge and consent of such customer, shareholder or subscriber
to shares, whether certificated or uncertificated, of an Investment Company, financial or banking institution or stockbroker, withdrawal
orders or receipts for the withdrawal of funds or Property, or receipts or certificates of deposit for Property and bearing the
name of the Insured as issuer, or of another Investment Company for which the Insured acts as agent, excluding, however, any loss
covered under Insuring Agreement (F) hereof whether or not coverage for Insuring Agreement (F) is provided for in the Declarations
of this bond.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">Any check or draft (a) made payable
to a fictitious payee and endorsed in the name of such fictitious payee or (b) procured in a transaction with the maker or drawer
thereof or with one acting as an agent of such maker or drawer or anyone impersonating another and made or drawn payable to the
one so impersonated and endorsed by anyone other than the one impersonated, shall be deemed to be forged as to such endorsement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">Mechanically reproduced facsimile signatures
are treated the same as handwritten signatures.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">(F)</TD><TD STYLE="text-align: justify">SECURITIES</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">Loss sustained by the Insured, including
loss sustained by reason of a violation of the constitution, by- laws, rules or regulations of any Self Regulatory Organization
of which the Insured is a member or which would have been imposed upon the Insured by the constitution, by- laws, rules or regulations
of any Self Regulatory Organization if the Insured had been a member thereof,</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(1)</TD><TD STYLE="text-align: justify; padding-right: 45.2pt">through the Insured&rsquo;s having, in good faith and in the course of business,
whether for its own account or for the account of others, in any representative, fiduciary, agency or any other capacity, either
gratuitously or otherwise, purchased or otherwise acquired, accepted or received, or sold or delivered, or given any value, extended
any credit or assumed any liability, on the faith of, or otherwise acted upon, any securities, documents or other written instruments
which prove to have been</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD>counterfeited, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD>forged as to the signature of any maker, drawer, issuer, endorser, assignor, lessee, transfer agent or registrar, acceptor,
surety or guarantor or as to the signature of any person signing in any other capacity, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(c)</TD><TD>raised or otherwise altered, or lost, or stolen, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(2)</TD><TD STYLE="text-align: justify">through the Insured&rsquo;s having, in good faith and in the course of business,</TD></TR></TABLE>

<P STYLE="margin: 0">&nbsp;</P>


<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; font-size: 12pt"><FONT STYLE="font-size: 10pt">41206 (9/84)</FONT></TD>
    <TD STYLE="width: 33%; text-align: center; font-size: 12pt"><FONT STYLE="font-size: 10pt">2</FONT></TD>
    <TD STYLE="width: 33%; text-align: right; font-size: 12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&copy; </FONT><FONT STYLE="font-size: 10pt">All rights reserved.</FONT></TD></TR>
</TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: right"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in; text-align: justify">guaranteed in writing or witnessed
any signatures whether for valuable consideration or not and whether or not such guaranteeing or witnessing is ultra vires the
Insured, upon any transfers, assignments, bills of sale, powers of attorney, guarantees, endorsements or other obligations upon
or in connection with any securities, documents or other written instruments and which pass or purport to pass title to such securities,
documents or other written instruments; EXCLUDING, losses caused by FORGERY or ALTERATION of, on or in those instruments covered
under Insuring Agreement (E) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in; text-align: justify">Securities, documents or other written
instruments shall be deemed to mean original (including original counterparts) negotiable or non- negotiable agreements which in
and of themselves represent an equitable interest, ownership, or debt, including an assignment thereof which instruments are in
the ordinary course of business, transferable by delivery of such agreements with any necessary endorsement or assignment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in; text-align: justify">The word &ldquo;counterfeited&rdquo;
as used in this Insuring Agreement shall be deemed to mean any security, document or other written instrument which is intended
to deceive and to be taken for an original.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in; text-align: justify">Mechanically produced facsimile
signatures are treated the same as handwritten signatures.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">(G)</TD><TD>COUNTERFEIT CURRENCY</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 1.1pt 12pt 0; text-align: justify">Loss through the receipt by the
Insured, in good faith, of any counterfeited money orders or altered paper currencies or coin of the United States of America or
Canada issued or purporting to have been issued by the United States of America or Canada or issued pursuant to a United States
of America or Canadian statute for use as currency.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">(H)</TD><TD>STOP PAYMENT</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 1.1pt 12pt 0; text-align: justify">Loss against any and all sums
which the Insured shall become obligated to pay by reason of the Liability imposed upon the Insured by law for damages:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-align: justify">For having either complied with
or failed to comply with any written notice of any customer, shareholder or subscriber of the Insured or any Authorized Representative
of such customer, shareholder or subscriber to stop payment of any check or draft made or drawn by such customer, shareholder or
subscriber or any Authorized Representative of such customer, shareholder or subscriber, or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-align: justify">For having refused to pay any
check or draft made or drawn by any customer, shareholder or subscriber of the Insured or any Authorized Representative of such
customer, shareholder or subscriber.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">(I)</TD><TD>UNCOLLECTIBLE ITEMS OF DEPOSIT</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 1.1pt 12pt 0; text-align: justify">Loss resulting from payments of
dividends or fund shares, or withdrawals permitted from any customer&rsquo;s, shareholder&rsquo;s or subscriber&rsquo;s account
based upon Uncollectible Items of Deposit of a customer, shareholder or subscriber credited by the Insured or the Insured&rsquo;s
agent to such customer&rsquo;s, shareholder&rsquo;s or subscriber&rsquo;s Mutual Fund Account; or loss resulting from any Item
of Deposit processed through an Automated Clearing House which is reversed by the customer, shareholder or subscriber and deemed
uncollectible by the Insured.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 1.1pt 12pt 0; text-align: justify">Loss includes dividends and interest
accrued not to exceed 15% of the Uncollectible Items which are deposited.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 1.1pt 12pt 0; text-align: justify">This Insuring Agreement applies
to all Mutual Funds with &ldquo;exchange privileges&rdquo; if all Fund(s) in the exchange program are insured by a National Union
Fire Insurance Company of Pittsburgh, PA for Uncollectible Items of Deposit. Regardless of the number of transactions between Fund(s),
the minimum number of days of deposit within the Fund(s) before withdrawal as declared in the Fund(s) prospectus shall begin from
the date a deposit was first credited to any Insured Fund(s).</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%">&nbsp;</TD>
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 33%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">41206 (9/84)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&copy; </FONT><FONT STYLE="font-size: 10pt">All rights reserved.</FONT></TD></TR>
</TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 8pt">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">GENERAL AGREEMENTS</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">A.</TD><TD STYLE="padding-right: 4.15pt">ADDITIONAL OFFICES OR EMPLOYEES - CONSOLIDATION OR MERGER- NOTICE</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">1.</TD><TD STYLE="text-align: justify; padding-right: 0.3pt">If the Insured shall, while this bond is in force, establish any additional
office or offices, such office or offices shall be automatically covered hereunder from the dates of their establishment, respectively.
No notice to the Underwriter of an increase during any premium period in the number of offices or in the number of Employees at
any of the offices covered hereunder need be given and no additional premium need be paid for the remainder of such premium period.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">2.</TD><TD STYLE="text-align: justify; padding-right: 0.3pt">If an Investment Company, named as Insured herein, shall, while this bond
is in force, merge or consolidate with, or purchase the assets of another institution, coverage for such acquisition shall apply
automatically from the date of acquisition. The Insured shall notify the Underwriter of such acquisition within 60 days of said
date, and an additional premium shall be computed only if such acquisition involves additional offices or employees.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">B.</TD><TD STYLE="padding-right: 4.15pt">WARRANTY</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 1.75pt 12pt 0; text-align: justify">No statement made by or on behalf
of the Insured, whether contained in the application or otherwise, shall be deemed to be a warranty of anything except that it
is true to the best of the knowledge and belief of the person making the statement.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">C.</TD><TD STYLE="padding-right: 4.15pt">COURT COSTS AND ATTORNEYS&rsquo; FEES</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 1.35pt 12pt 0.5in; text-align: justify">(Applicable to all Insuring
Agreements or Coverages now or hereafter forming part of this bond)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 1.35pt 12pt 0; text-align: justify">The Underwriter will indemnify
the Insured against court costs and reasonable attorneys&rsquo; fees incurred and paid by the Insured in defense, whether or not
successful, whether or not fully litigated on the merits and whether or not settled of any suit or legal proceeding brought against
the Insured to enforce the Insured&rsquo;s liability or alleged liability on account of any loss, claim or damage which, if established
against the Insured, would constitute a loss sustained by the Insured covered under the terms of this bond provided, however, that
with respect to Insuring Agreement (A) this indemnity shall apply only in the event that</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(1)</TD><TD STYLE="text-align: justify">an Employee admits to being guilty of any dishonest or fraudulent act(s), including Larceny or
Embezzlement; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(2)</TD><TD STYLE="text-align: justify">an Employee is adjudicated to be guilty of any dishonest or fraudulent act(s), including Larceny
or Embezzlement;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(3)</TD><TD STYLE="text-align: justify">in the absence of (1) or (2) above an arbitration panel agrees, after a review of an agreed statement
of facts, that an Employee would be found guilty of dishonesty if such Employee were prosecuted.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">The Insured shall promptly give notice
to the Underwriter of any such suit or legal proceeding and at the request of the Underwriter shall furnish it with copies of all
pleadings and other papers therein. At the Underwriter&rsquo;s election the Insured shall permit the Underwriter to conduct the
defense of such suit or legal proceeding, in the Insured&rsquo;s name, through attorneys of the Underwriter&rsquo;s selection.
In such event, the Insured shall give all reasonable information and assistance which the Underwriter shall deem necessary to the
proper defense of such suit or legal proceeding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">If the amount of the Insured&rsquo;s
liability or alleged liability is greater than the amount recoverable under this bond, or if a Deductible Amount is applicable,
or both, the liability of the Underwriter under this General Agreement is limited to the proportion of court costs and attorneys&rsquo;
fees incurred and paid by the Insured or by the Underwriter that the amount recoverable under this bond bears to the total of such
amount plus the amount which is not so recoverable. Such indemnity shall be in addition to the Limit of Liability for the applicable
Insuring Agreement or Coverage.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">D.</TD><TD>FORMER EMPLOYEE</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">Acts of an Employee, as defined in this
bond, are covered under Insuring Agreement (A) only while the Employee is in the Insured&rsquo;s employ. Should loss involving
a former Employee of the Insured be discovered subsequent to the termination of employment, coverage would still apply under Insuring
Agreement (A) if the direct proximate cause of the loss occurred while the former Employee performed duties within the scope of
his/ her employment.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%">&nbsp;</TD>
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 33%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">41206 (9/84)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&copy; </FONT><FONT STYLE="font-size: 10pt">All rights reserved.</FONT></TD></TR>
</TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 8pt"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">THE FOREGOING INSURING AGREEMENTS AND
GENERAL<BR>
AGREEMENTS ARE SUBJECT TO<BR>
THE FOLLOWING CONDITIONS AND<BR>
LIMITATIONS:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">SECTION 1. DEFINITIONS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">The following terms, as used in this
bond, shall have the respective meanings stated in this Section:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD>&ldquo;Employee&rdquo; means:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(1)</TD><TD STYLE="text-align: justify">any of the Insured&rsquo;s officers, partners, or employees, and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(2)</TD><TD STYLE="text-align: justify">any of the officers or employees of any predecessor of the Insured whose principal assets are acquired
by the Insured by consolidation or merger with, or purchase of assets or capital stock of such predecessor, and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(3)</TD><TD STYLE="text-align: justify">attorneys retained by the Insured to perform legal services for the Insured and the employees of
such attorneys while such attorneys or the employees of such attorneys are performing such services for the Insured, and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(4)</TD><TD STYLE="text-align: justify">guest students pursuing their studies or duties in any of the Insured&rsquo;s offices, and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(5)</TD><TD STYLE="text-align: justify">directors or trustees of the Insured, the investment advisor, underwriter (distributor), transfer
agent, or shareholder accounting record keeper, or administrator authorized by written agreement to keep financial and/ or other
required records, but only while performing acts coming within the scope of the usual duties of an officer or employee or while
acting as a member of any committee duly elected or appointed to examine or audit or have custody of or access to the Property
of the Insured, and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(6)</TD><TD STYLE="text-align: justify">any individual or individuals assigned to perform the usual duties of an employee within the premises
of the Insured, by contract, or by any agency furnishing temporary personnel on a contingent or part- time basis, and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(7)</TD><TD STYLE="text-align: justify">each natural person, partnership or corporation authorized by written agreement with the Insured
to perform services as electronic data processor of checks or other accounting records of the Insured, but excluding any such processor
who acts as transfer agent or in any other agency capacity in issuing checks, drafts or securities for the Insured, unless included
under Sub- section (9) hereof, and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(8)</TD><TD STYLE="text-align: justify">those persons so designated in Section 15, Central Handling of Securities, and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(9)</TD><TD STYLE="text-align: justify">any officer, partner or Employee of</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">a)</TD><TD>an investment advisor,</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">b)</TD><TD>an underwriter (distributor),</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">c)</TD><TD>a transfer agent or shareholder accounting record- keeper, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">d)</TD><TD STYLE="text-align: justify">an administrator authorized by written agreement to keep financial and/ or other required records,
for an Investment Company named as Insured while performing acts coming within the scope of the usual duties of an officer or Employee
of any Investment Company named as Insured herein, or while acting as a member of any committee duly elected or appointed to examine
or audit or have custody of or access to the Property of any such Investment Company, provided that only Employees or partners
of a transfer agent, shareholder accounting record- keeper or administrator which is an affiliated person as defined in the Investment
Company Act of 1940, of an Investment Company named as Insured or is an affiliated person of the adviser, underwriter or administrator
of such Investment Company, and which is not a bank, shall be included within the definition of Employee.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 2in; text-align: justify">Each employer of temporary personnel
or processors as set forth in Sub- Sections (6) and of Section 1(a) and their partners, officers and employees shall collectively
be deemed to be one person for all the purposes of this bond, excepting, however, the last paragraph of Section 13.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 2in; text-align: justify"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%">&nbsp;</TD>
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 33%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">41206 (9/84)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&copy; </FONT><FONT STYLE="font-size: 10pt">All rights reserved.</FONT></TD></TR>
</TABLE>



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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 2in; text-align: justify">Brokers, or other agents under contract
or representatives of the same general character shall not be considered Employees.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify">&ldquo;Property&rdquo; means money (i.e.. currency, coin, bank notes, Federal Reserve notes), postage
and revenue stamps, U.S. Savings Stamps, bullion, precious metals of all kinds and in any form and articles made therefrom, jewelry,
watches, necklaces, bracelets, gems, precious and semi- precious stones, bonds, securities, evidences of debts, debentures, scrip,
certificates, interim receipts, warrants, rights, puts, calls, straddles, spreads, transfers, coupons, drafts, bills of exchange,
acceptances, notes, checks, withdrawal orders, money orders, warehouse receipts, bills of lading, conditional sales contracts,
abstracts of title, insurance policies, deeds, mortgages under real estate and/ or chattels and upon interests therein, and assignments
of such policies, mortgages and instruments, and other valuable papers, including books of account and other records used by the
Insured in the conduct of its business, and all other instruments similar to or in the nature of the foregoing including Electronic
Representations of such instruments enumerated above (but excluding all data processing records) in which the Insured has an interest
or in which the Insured acquired or should have acquired an interest by reason of a predecessor&rsquo;s declared financial condition
at the time of the Insured&rsquo;s consolidation or merger with, or purchase of the principal assets of, such predecessor or which
are held by the Insured for any purpose or in any capacity and whether so held by the Insured for any purpose or in any capacity
and whether so held gratuitously or not and whether or not the Insured is liable therefor.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(c)</TD><TD STYLE="text-align: justify">&ldquo;Forgery&rdquo; means the signing of the name of another with intent to deceive; it does
not include the signing of one&rsquo;s own name with or without authority, in any capacity, for any purpose.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(d)</TD><TD STYLE="text-align: justify">&ldquo;Larceny and Embezzlement&rdquo; as it applies to any named Insured means those acts as set
forth in Section 37 of the Investment Company Act of 1940.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(e)</TD><TD STYLE="text-align: justify">&ldquo;Items of Deposit&rdquo; means any one or more checks and drafts. Items of Deposit shall
not be deemed uncollectible until the Insured&rsquo;s collection procedures have failed.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">SECTION 2. EXCLUSIONS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">THIS BOND DOES NOT COVER:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD STYLE="text-align: justify">loss effected directly or indirectly by means of forgery or alteration of, on or in any instrument,
except when covered by Insuring Agreement (A), (E), (F) or (G).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify">loss due to riot or civil commotion outside the United States of America and Canada; or loss due
to military, naval or usurped power, war or insurrection unless such loss occurs in transit in the circumstances recited in Insuring
Agreement (D), and unless, when such transit was initiated, there was no knowledge of such riot, civil commotion, military, naval
or usurped power, war or insurrection on the part of any person acting for the Insured in initiating such transit.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(c)</TD><TD STYLE="text-align: justify">loss, in time of peace or war, directly or indirectly caused by or resulting from the effects of
nuclear fission or fusion or radioactivity; provided, however, that this paragraph shall not apply to loss resulting from industrial
uses of nuclear energy.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(d)</TD><TD STYLE="text-align: justify">loss resulting from any wrongful act or acts of any person who is a member of the Board of Directors
of the Insured or a member of any equivalent body by whatsoever name known unless such person is also an Employee or an elected
official, partial owner or partner of the Insured in some other capacity, nor, in any event, loss resulting from the act or acts
of any person while acting in the capacity of a member of such Board or equivalent body.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(e)</TD><TD STYLE="text-align: justify">loss resulting from the complete or partial non- payment of, or default upon, any loan or transaction
in the nature of, or amounting to, a loan made by or obtained from the Insured or any of its partners, directors or Employees,
whether authorized or unauthorized and whether procured in good faith or through trick, artifice, fraud or false pretenses. unless
such</TD></TR></TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%">&nbsp;</TD>
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 33%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">41206 (9/84)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&copy; </FONT><FONT STYLE="font-size: 10pt">All rights reserved.</FONT></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>



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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 2in; text-align: justify">loss is covered under Insuring Agreement
(A), (E) or (F).</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(f)</TD><TD STYLE="text-align: justify">loss resulting from any violation by the Insured or by any Employee</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">(1)</TD><TD STYLE="text-align: justify">of law regulating (a) the issuance, purchase or sale of securities, (b) securities transactions
upon Security Exchanges or over the counter market, (c) Investment Companies, or (d) Investment Advisors, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">(2)</TD><TD STYLE="text-align: justify">of any rule or regulation made pursuant to any such law, unless such loss, in the absence of such
laws, rules or regulations, would be covered under Insuring Agreements (A) or (E).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(g)</TD><TD STYLE="text-align: justify">loss of Property or loss of privileges through the misplacement or loss of Property as set forth
in Insuring Agreement (C) or (D) while the Property is in the custody of any armored motor vehicle company, unless such loss shall
be in excess of the amount recovered or received by the Insured under (a) the Insured&rsquo;s contract with said armored motor
vehicle company, (b) insurance carried by said armored motor vehicle company for the benefit of users of its service, and (c) all
other insurance and indemnity in force in whatsoever form carried by or for the benefit of users of said armored motor vehicle
company&rsquo;s service, and then this bond shall cover only such excess.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(h)</TD><TD STYLE="text-align: justify">potential<FONT STYLE="font-family: Times New Roman, Times, Serif">&#9;</FONT>income, including
but not limited to interest and dividends, not realized by the Insured because of a loss covered under this bond, except as included
under Insuring Agreement (I).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(i)</TD><TD STYLE="text-align: justify">all damages of any type for which the Insured is legally liable, except direct compensatory damages
arising from a loss covered under this bond.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(j)</TD><TD STYLE="text-align: justify">loss through the surrender of Property away from an office of the Insured as a result of a threat</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">(1)</TD><TD STYLE="text-align: justify">to do bodily harm to any person, except loss of Property in transit in the custody of any person
acting as messenger provided that when such transit was initiated there was no knowledge by the Insured of any such threat, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">(2)</TD><TD STYLE="text-align: justify">to do damage to the premises or Property of the Insured, except when covered under Insuring Agreement (A).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(k)</TD><TD STYLE="text-align: justify">all costs, fees and other expenses incurred by the Insured in establishing the existence of or
amount of loss covered under this bond unless such indemnity is provided for under Insuring Agreement (B).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(l)</TD><TD STYLE="text-align: justify">loss resulting from payments made or withdrawals from the account of a customer of the Insured,
shareholder or subscriber to shares involving funds erroneously credited to such account, unless such payments are made to or withdrawn
by such depositor or representative of such person, who is within the premises of the drawee bank of the Insured or within the
office of the Insured at the time of such payment or withdrawal or unless such payment is covered under Insuring Agreement (A).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(m)</TD><TD STYLE="text-align: justify">any loss resulting from Uncollectible Items of Deposit which are drawn from a financial institution
outside the fifty states of the United States of America, District of Columbia, and territories and possessions of the United States
of America, and Canada.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">SECTION 3. ASSIGNMENT OF RIGHTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">This bond does not afford coverage in
favor of any Employers of temporary personnel or of processors as set forth in sub- sections (6) and (7) of Section 1(a) of this
bond, as aforesaid, and upon payment to the Insured by the Underwriter on account of any loss through dishonest or fraudulent act(s)
including Larceny or Embezzlement committed by any of the partners, officers or employees of such Employers, whether acting alone
or in collusion with others, an assignment of such of the Insured&rsquo;s rights and causes of action as it may have against such
Employers by reason of such acts so committed shall, to the extent of such payment, be given by the Insured to the Underwriter,
and the Insured shall execute all papers necessary to secure to the Underwriter the rights herein provided for.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">SECTION 4. LOSS- NOTICE- PROOF- LEGAL PROCEEDINGS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">This bond is for the use and benefit
only of the Insured named in the Declarations and the Underwriter shall not be liable hereunder for</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%">&nbsp;</TD>
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 33%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">41206 (9/84)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&copy; </FONT><FONT STYLE="font-size: 10pt">All rights reserved.</FONT></TD></TR>
</TABLE>



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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">loss sustained by anyone other than
the Insured unless the Insured, in its sole discretion and at its option, shall include such loss in the Insured&rsquo;s proof
of loss. At the earliest practicable moment after discovery of any loss hereunder the Insured shall give the Underwriter written
notice thereof and shall also within six months after such discovery furnish to the Underwriter affirmative proof of loss with
full particulars. If claim is made under this bond for loss of securities or shares, the Underwriter shall not be liable unless
each of such securities or shares is identified in such proof of loss by a certificate or bond number or, where such securities
or shares are uncertificated, by such identification means as agreed to by the Underwriter. The Underwriter shall have thirty days
after notice and proof of loss within which to investigate the claim, but where the loss is clear and undisputed, settlement shall
be made within forty- eight hours; and this shall apply notwithstanding the loss is made up wholly or in part of securities of
which duplicates may be obtained. Legal proceedings for recovery of any loss hereunder shall not be brought prior to the expiration
of sixty days after such proof of loss is filed with the Underwriter nor after the expiration of twenty- four months from the discovery
of such loss, except that any action or proceeding to recover hereunder on account of any judgment against the Insured in any suit
mentioned in General Agreement C or to recover attorneys&rsquo; fees paid in any such suit, shall be begun within twenty- four
months from the date upon which the judgment in such suit shall become final. If any limitation embodied in this bond is prohibited
by any law controlling the construction hereof, such limitation shall be deemed to be amended so as to be equal to the minimum
period of limitation permitted by such law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in; text-indent: -0.5in">Discovery occurs when the Insured</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD>becomes aware of facts, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify; padding-right: 0.6pt">receives written notice of an actual or potential claim by a third party
which alleges that the Insured is liable under circumstance which would cause a reasonable person to assume that a loss covered
by the bond has been or will be incurred even though the exact amount or details of loss may not be then known.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">SECTION 5. VALUATION OF PROPERTY</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">The value of any Property, except books
of accounts or other records used by the Insured in the conduct of its business, for the loss of which a claim shall be made hereunder,
shall be determined by the average market value of such Property on the business day next preceding the discovery of such loss;
provided, however, that the value of any Property replaced by the Insured prior to the payment of claim therefor shall be the actual
market value at the time of replacement; and further provided that in case of a loss or misplacement of interim certificates, warrants,
rights, or other securities, the production which is necessary to the exercise of subscription, conversion, redemption or deposit
privileges, the value thereof shall be the market value of such privileges immediately preceding the expiration thereof if said
loss or misplacement is not discovered until after their expiration. If no market price is quoted for such Property or for such
privileges, the value shall be fixed by agreement between the parties or by arbitration.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">In case of any loss or damage to Property
consisting of books of accounts or other records used by the Insured in the conduct of its business, the Underwriter shall be liable
under this bond only if such books or records are actually reproduced and then for not more than the cost of blank books, blank
pages or other materials plus the cost of labor for the actual transcription or copying of data which shall have been furnished
by the Insured in order to reproduce such books and other records.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">SECTION 6. VALUATION OF PREMISES AND
FURNISHINGS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">In case of damage to any office of the
Insured, or loss of or damage to the furnishings, fixtures, stationery, supplies, equipment, safes or vaults therein, the Underwriter
shall not be liable for more than the actual cash value thereof, or for more than the actual cost of their replacement or repair.
The Underwriter may, at its election, pay such actual cash value or make such replacement or repair. If the Underwriter and the
Insured cannot agree upon such cash value or such cost of replacement or repair, such shall be determined by arbitration.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">SECTION 7. LOST SECURITIES</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">If the Insured shall sustain a loss
of securities the total value of which is in excess of the limit stated in Item 3 of the Declarations of this bond, the liability
of the Underwriter shall</P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%">&nbsp;</TD>
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 33%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">41206 (9/84)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&copy; </FONT><FONT STYLE="font-size: 10pt">All rights reserved.</FONT></TD></TR>
</TABLE>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">be limited to payment for, or duplication
of, securities having value equal to the limit stated in Item 3 of the Declarations of this bond.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">If the Underwriter shall make payment
to the Insured for any loss of securities, the Insured shall thereupon assign to the Underwriter all of the Insured&rsquo;s rights,
title and interests in and to said securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">With respect to securities the value
of which do not exceed the Deductible Amount (at the time of the discovery of the loss) and for which the Underwriter may at its
sole discretion and option and at the request of the Insured issue a Lost Instrument Bond or Bonds to effect replacement thereof,
the Insured will pay the usual premium charged therefor and will indemnify the Underwriter against all loss or expense that the
Underwriter may sustain because of the issuance of such Lost Instrument Bond or Bonds.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">With respect to securities the value
of which exceeds the Deductible Amount (at the time of discovery of the loss) and for which the Underwriter may issue or arrange
for the issuance of a Lost Instrument Bond or Bonds to effect replacement thereof, the Insured agrees that it will pay as premium
therefor a proportion of the usual premium charged therefor, said proportion being equal to the percentage that the Deductible
Amount bears to the value of the securities upon discovery of the loss, and that it will indemnify the issuer of said Lost Instrument
Bond or Bonds against all loss and expense that is not recoverable from the Underwriter under the terms and conditions of this
INVESTMENT COMPANY BLANKET BOND subject to the Limit of Liability hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">SECTION 8. SALVAGE</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">In case of recovery, whether made by
the Insured or by the Underwriter, on account of any loss in excess of the Limit of Liability hereunder plus the Deductible Amount
applicable to such loss from any source other than suretyship, insurance, reinsurance, security or indemnity taken by or for the
benefit of the Underwriter, the net amount of such recovery, less the actual costs and expenses of making same, shall be applied
to reimburse the Insured in full for the excess portion of such loss, and the remainder, if any, shall be paid first in reimbursement
of the Underwriter and thereafter in reimbursement of the Insured for that part of such loss within the Deductible Amount. The
Insured shall execute all necessary papers to secure to the Underwriter the rights provided for herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">SECTION 9. NON- REDUCTION AND NON- ACCUMULATION
OF LIABILITY AND TOTAL LIABILITY</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">At all times prior to termination hereof
this bond shall continue in force for the limit stated in the applicable sections of Item 3 of the Declarations of this bond notwithstanding
any previous loss for which the Underwriter may have paid or be liable to pay hereunder; PROVIDED, however, that regardless of
the number of years this bond shall continue in force and the number of premiums which shall be payable or paid, the liability
of the Underwriter under this bond with respect to all loss resulting from</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD STYLE="text-align: justify; padding-right: 46.45pt">any one act of burglary, robbery or holdup, or attempt thereat, in which
no Partner or Employee is concerned or implicated shall be deemed to be one loss, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify; padding-right: 46pt">any one unintentional or negligent act on the part of any one person resulting
in damage to or destruction or misplacement of Property, shall be deemed to be one loss, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(c)</TD><TD STYLE="text-align: justify; padding-right: 46.65pt">all wrongful acts, other than those specified in (a) above, of any one
person shall be deemed to be one loss, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(d)</TD><TD STYLE="text-align: justify; padding-right: 45.05pt">all wrongful acts, other than those specified in (a) above, of one or more
persons (which dishonest act(s) or act(s) of Larceny or Embezzlement include, but are not limited to, the failure of an Employee
to report such acts of others) whose dishonest act or acts intentionally or unintentionally, knowingly or unknowingly, directly
or indirectly, aid or aids in any way, or permits the continuation of, the dishonest act or acts of any other person or persons
shall be deemed to be one loss with the act or acts of the persons aided, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(e)</TD><TD STYLE="text-align: justify; padding-right: 46pt">any one casualty or event other than those specified in (a), (b), (c) or (d)
preceding, shall be deemed to be one loss, and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">shall be limited to the applicable Limit
of Liability stated in Item 3 of the Declarations of this bond irrespective of the total amount of such loss or losses and shall
not be cumulative in amounts from year to year or</P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%">&nbsp;</TD>
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 33%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">41206 (9/84)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&copy; </FONT><FONT STYLE="font-size: 10pt">All rights reserved.</FONT></TD></TR>
</TABLE>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">from period to period.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">Sub- section (c) is not applicable to
any situation to which the language of sub- section (d) applies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">SECTION 10. LIMIT OF LIABILITY</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">With respect to any loss set forth in
the PROVIDED clause of Section 9 of this bond which is recoverable or recovered in whole or in part under any other bonds or policies
issued by the Underwriter to the Insured or to any predecessor in interest of the Insured and terminated or cancelled or allowed
to expire and in which the period for discovery has not expired at the time any such loss thereunder is discovered, the total liability
of the Underwriter under this bond and under other bonds or policies shall not exceed, in the aggregate, the amount carried hereunder
on such loss or the amount available to the Insured under such other bonds or policies, as limited by the terms and conditions
thereof, for any such loss if the latter amount be the larger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">SECTION 11. OTHER INSURANCE</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">If the Insured shall hold, as indemnity
against any loss covered hereunder, any valid and enforceable insurance or suretyship, the Underwriter shall be liable hereunder
only for such amount of such loss which is in excess of the amount of such other insurance or suretyship, not exceeding, however,
the Limit of Liability of this bond applicable to such loss.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">SECTION 12. DEDUCTIBLE</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">The Underwriter shall not be liable
under any of the Insuring Agreements of this bond on account of loss as specified, respectively, in sub- sections (a), (b), (c),
(d) and (e) of Section 9, NON- REDUCTION AND NON- ACCUMULATION OF LIABILITY AND TOTAL LIABILITY, unless the amount of such loss,
after deducting the net amount of all reimbursement and/ or recovery obtained or made by the Insured, other than from any bond
or policy of insurance issued by an insurance company and covering such loss, or by the Underwriter on account thereof prior to
payment by the Underwriter of such loss, shall exceed the Deductible Amount set forth in Item 3 of the Declarations hereof (herein
called Deductible Amount) and then for such excess only, but in no event for more than the applicable Limit of Liability stated
in Item 3 of the Declarations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">The Insured will bear, in addition to
the Deductible Amount, premiums on Lost Instrument Bonds as set forth in Section 7.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">There shall be no deductible applicable
to any loss under Insuring Agreement A sustained by any Investment Company named as Insured herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">SECTION 13. TERMINATION</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">The Underwriter may terminate this bond
as an entirety by furnishing written notice specifying the termination date which cannot be prior to 60 days after the receipt
of such written notice by each Investment Company named as Insured and the Securities and Exchange Commission, Washington, D.C.
The Insured may terminate this bond as an entirety by furnishing written notice to the Underwriter. When the Insured cancels, the
Insured shall furnish written notice to the Securities and Exchange Commission, Washington. D.C. prior to 60 days before the effective
date of the termination. The Underwriter shall notify all other Investment Companies named as Insured of the receipt of such termination
notice and the termination cannot be effective prior to 60 days after receipt of written notice by all other Investment Companies.
Premiums are earned until the termination date as set forth herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">This Bond will terminate as to any one
Insured immediately upon taking over of such Insured by a receiver or other liquidator or by State or Federal officials, or immediately
upon the filing of a petition under any State or Federal statute relative to bankruptcy or reorganization of the Insured, or assignment
for the benefit of creditors of the Insured. or immediately upon such Insured ceasing to exist, whether through merger into another
entity, or by disposition of all of its assets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">The Underwriter shall refund the unearned
premium computed at short rates in accordance with the standard short rate cancellation tables if terminated by the Insured or
pro rata if terminated for any other reason.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in">This Bond shall terminate</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD STYLE="text-align: justify; padding-right: 45.65pt">as to any Employee as soon as any partner, officer or supervisory Employee
of the Insured, who is not in collusion with such Employee, shall learn of any dishonest or fraudulent act(s), including Larceny
or Embezzlement on the part of such Employee without prejudice to the loss of any Property then in transit in the custody of such
Employee (See</TD></TR></TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%">&nbsp;</TD>
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 33%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">41206 (9/84)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">10</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&copy; </FONT><FONT STYLE="font-size: 10pt">All rights reserved.</FONT></TD></TR>
</TABLE>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 8pt 0.5in">Section 16[d]), or</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify">as to any Employee 60 days after receipt by each Insured and by the Securities and Exchange Commission
of a written notice from the Underwriter of its desire to terminate this bond as to such Employee, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(c)</TD><TD STYLE="text-align: justify">as to any person, who is a partner, officer or employee of any Electronic Data Processor covered
under this bond, from and after the time that the Insured or any partner or officer thereof not in collusion with such person shall
have knowledge or information that such person has committed any dishonest or fraudulent act(s), including Larceny or Embezzlement
in the service of the Insured or otherwise, whether such act be committed before or after the time this bond is effective.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">SECTION 14. RIGHTS AFTER TERMINATION
OR CANCELLATION</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">At any time prior to the termination
or cancellation of this bond as an entirety, whether by the Insured or the Underwriter, the Insured may give to the Underwriter
notice that it desires under this bond an additional period of 12 months within which to discover loss sustained by the Insured
prior to the effective date of such termination or cancellation and shall pay an additional premium therefor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">Upon receipt of such notice from the
Insured, the Underwriter shall give its written consent thereto; provided, however, that such additional period of time shall terminate
immediately;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD STYLE="text-align: justify; padding-right: 0.45pt">on the effective date of any other insurance obtained by the Insured, its
successor in business or any other party, replacing in whole or in part the insurance afforded by this bond, whether or not such
other insurance provides coverage for loss sustained prior to its effective date, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify; padding-right: 0.85pt">upon takeover of the Insured&rsquo;s business by any State or Federal official
or agency, or by any receiver or liquidator, acting or appointed for this purpose</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.85pt 12pt 0; text-align: justify">without the necessity of the
Underwriter giving notice of such termination. In the event that such additional period of time is terminated, as provided above,
the Underwriter shall refund any unearned premium.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">The right to purchase such additional
period for the discovery of loss may not be exercised by any State or Federal official or agency, or by any receiver or liquidator,
acting or appointed to take over the Insured&rsquo;s business for the operation or for the liquidation thereof or for any other
purpose.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">SECTION 15. CENTRAL HANDLING OF SECURITIES</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">Securities included in the systems for
the central handling of securities established and maintained by Depository Trust Company, Midwest Depository Trust Company, Pacific
Securities Depository Trust Company, and Philadelphia Depository Trust Company, hereinafter called Corporations, to the extent
of the Insured&rsquo;s interest therein as effective by the making of appropriate entries on the books and records of such Corporations
shall be deemed to be Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">The words &ldquo;Employee&rdquo; and
&ldquo;Employees&rdquo; shall be deemed to include the officers, partners, clerks and other employees of the New York Stock Exchange,
Boston Stock Exchange, Midwest Stock Exchange, Pacific Stock Exchange and Philadelphia Stock Exchange, hereinafter called Exchanges,
and of the above named Corporations, and of any nominee in whose name is registered any security included within the systems for
the central handling of securities established and maintained by such Corporations, and any employee of any recognized service
company, while such officers, partners, clerks and other employees and employees of service companies perform services for such
Corporations in the operation of such systems. For the purpose of the above definition a recognized service company shall be any
company providing clerks or other personnel to said Exchanges or Corporation on a contract basis.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">The Underwriter shall not be liable
on account of any loss(es) in connection with the central handling of securities within the systems established and maintained
by such Corporations, unless such loss(es) shall be in excess of the amount(s) recoverable or recovered under any bond or policy
of insurance indemnifying such Corporations, against such loss(es), and then the Underwriter shall be liable hereunder only for
the Insured&rsquo;s share of such excess loss(es), but in no event for more than the Limit of Liability applicable hereunder.</P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%">&nbsp;</TD>
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 33%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">41206 (9/84)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">11</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&copy; </FONT><FONT STYLE="font-size: 10pt">All rights reserved.</FONT></TD></TR>
</TABLE>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">For the purpose of determining the Insured&rsquo;s
share of excess loss(es) it shall be deemed that the Insured has an interest in any certificate representing any security included
within such systems equivalent to the interest the Insured then has in all certificates representing the same security included
within such systems and that such Corporations shall use their best judgment in apportioning the amount(s) recoverable or recovered
under any bond or policy of insurance indemnifying such Corporations against such loss(es) in connection with the central handling
of securities within such systems among all those having an interest as recorded by appropriate entries in the books and records
of such Corporations in Property involved in such loss(es) on the basis that each such interest shall share in the amount(s) so
recoverable or recovered in the ratio that the value of each such interest bears to the total value of all such interests and that
the Insured&rsquo;s share of such excess loss(es) shall be the amount of the Insured&rsquo;s interest in such Property in excess
of the amount(s) so apportioned to the Insured by such Corporations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">This bond does not afford coverage in
favor of such Corporations or Exchanges or any nominee in whose name is registered any security included within the systems for
the central handling of securities established and maintained by such Corporations, and upon payment to the Insured by the Underwriter
on account of any loss(es) within the systems, an assignment of such of the Insured&rsquo;s rights and causes of action as it may
have against such Corporations or Exchanges shall to the extent of such payment, be given by the Insured to the Underwriter, and
the Insured shall execute all papers necessary to secure to the Underwriter the rights provided for herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">SECTION 16. ADDITIONAL COMPANIES INCLUDED
AS INSURED</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">If more than one corporation, co- partnership
or person or any combination of them be included as the Insured herein:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD STYLE="text-align: justify">the total liability of the Underwriter hereunder for loss or losses sustained by any one or more
or all of them shall not exceed the limit for which the Underwriter would be liable hereunder if all such loss were sustained by
any one of them,</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify">the one first named herein shall be deemed authorized to make, adjust and receive and enforce payment
of all claims hereunder and shall be deemed to be the agent of the others for such purposes and for the giving or receiving of
any notice required or permitted to be given by the terms hereof, provided that the Underwriter shall furnish each named Investment
Company with a copy of the bond and with any amendment thereto, together with a copy of each formal filing of the settlement of
each such claim prior to the execution of such settlement,</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(c)</TD><TD STYLE="text-align: justify">the Underwriter shall not be responsible for the proper application of any payment made hereunder
to said first named Insured,</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(d)</TD><TD STYLE="text-align: justify">knowledge possessed or discovery made by any partner, officer or supervisory Employee of any Insured
shall for the purposes of Section 4 and Section 13 of this bond constitute knowledge or discovery by all the Insured, and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(e)</TD><TD STYLE="text-align: justify">if the first named Insured ceases for any reason to be covered under this bond, then the Insured
next named shall thereafter be considered as the first named Insured for the purposes of this bond.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">SECTION 17. NOTICE AND CHANGE OF CONTROL</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">Upon the Insured&rsquo;s obtaining knowledge
of a transfer of its outstanding voting securities which results in a change in control (as set forth in Section 2(a) (9) of the
Investment Company Act of 1940) of the Insured, the Insured shall within thirty (30) days of such knowledge give written notice
to the Underwriter setting forth:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD STYLE="text-align: justify">the names of the transferors and transferees (or the names of the beneficial owners if the voting
securities are requested in another name), and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify">the total number of voting securities owned by the transferors and the transferees (or the beneficial
owners), both immediately before and after the transfer, and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(c)</TD><TD STYLE="text-align: justify">the total number of outstanding voting securities.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">As used in this section, control means
the power to exercise a controlling influence over the management or policies of the Insured.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">Failure to give the required notice
shall result in termination of coverage of this bond,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%">&nbsp;</TD>
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 33%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">41206 (9/84)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">12</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&copy; </FONT><FONT STYLE="font-size: 10pt">All rights reserved.</FONT></TD></TR>
</TABLE>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">effective upon the date of stock transfer for any loss in
which any transferee is concerned or implicated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">Such notice is not required to be given
in the case of an Insured which is an Investment Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">SECTION 18. CHANGE OR MODIFICATION</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">This bond or any instrument amending
or effecting same may not be changed or modified orally. No changes in or modification thereof shall be effective unless made by
written endorsement issued to form a part hereof over the signature of the Underwriter&rsquo;s Authorized Representative. When
a bond covers only one Investment Company no change or modification which would adversely affect the rights of the Investment Company
shall be effective prior to 60 days after written notification has been furnished to the Securities and Exchange Commission, Washington,
D.C. by the Insured or by the Underwriter. If more than one Investment Company is named as the Insured herein, the Underwriter
shall give written notice to each Investment Company and to the Securities and Exchange Commission, Washington, D.C. not less than
60 days prior to the effective date of any change or modification which would adversely affect the rights of such Investment Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">IN WITNESS WHEREOF, the Underwriter
has caused this bond to be executed on the Declarations Page.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%">&nbsp;</TD>
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 33%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">41206 (9/84)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">13</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&copy; </FONT><FONT STYLE="font-size: 10pt">All rights reserved.</FONT></TD></TR>
</TABLE>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 8pt">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 8pt"></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>1</I></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0.5in 0 12pt; text-align: center">NEW YORK PUNITIVE DAMAGES AMENDATORY
ENDORSEMENT</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 66pt; text-align: justify">It is hereby understood and agreed that
notwithstanding anything to the contrary herein, any coverage for punitive, exemplary and multiplied damages shall not apply if
uninsurable under the law pursuant to which this policy shall be construed. This policy shall be construed under the laws of the
state where: (1) the act or occurrence giving rise to such punitive, exemplary or multiple damages actually or allegedly occurred;
(2) the claim seeking such punitive, exemplary or multiplied damages was brought; (3) the judgment or damages were awarded; or
(4) the individual subject to such punitive, exemplary or multiple damages resides, or where an entity that is subject to such
punitive, exemplary or multiple damages is incorporated or has its principal place of business.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS
REMAIN UNCHANGED.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 50%; border-bottom: Black 1pt solid; text-align: center"><IMG SRC="image_038.jpg" ALT="" STYLE="height: 53px; width: 114px"></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">AUTHORIZED REPRESENTATIVE</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 8pt"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: left"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 0; text-align: left"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 0; text-align: left"></P>



<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 30%"><FONT STYLE="font-size: 11pt"><I>1-14180</I></FONT></TD>
    <TD STYLE="text-align: center; width: 40%"><FONT STYLE="font-size: 11pt"><I>END 001</I></FONT></TD>
    <TD STYLE="width: 30%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 11pt">127071 (9/ 17)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 11pt">Page 1 of 1</FONT></TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>2</I></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 19.8pt 12pt 0; text-align: center"><B>NEW YORK STATUTORY RIDER</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt">It is agreed that:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">1.</TD><TD>Part (a) of the Section entitled &ldquo;Termination or Cancelation&rdquo; of this bond/policy is deleted.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">2.</TD><TD>Cancelation of this bond/policy by the Underwriter/Company is subject to the following provisions:</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-align: justify">If the bond/policy has been in
effect for 60 days or less, it may be cancelled by the Underwriter/Company for any reason. Such cancelation shall be effective
20 days after the Underwriter/Company mails a notice of cancelation to the first-named insured at the mailing address shown in
the bond/policy. However, if the bond/policy has been in effect for more than 60 days or is a renewal, then cancelation must be
based on one of the following grounds:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(A)</TD><TD>non-payment of premium;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(B)</TD><TD STYLE="text-align: justify">conviction of a crime arising out of acts increasing the hazard insured against;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(C)</TD><TD STYLE="text-align: justify">discovery of fraud or material misrepresentation in the obtaining of the bond/policy or in the
presentation of claim thereunder;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(D)</TD><TD STYLE="text-align: justify">after issuance of the bond/policy or after the last renewal date, discovery of an act or omission,
or a violation of any bond/policy condition that substantially and materially increases the hazard insured against, and which occurred
subsequent to inception of the current bond/policy period;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(E)</TD><TD STYLE="text-align: justify">material change in the nature or extent of the risk, occurring after issuance or last annual renewal
anniversary date of the bond/policy, which causes the risk of loss to be substantially and materially increased beyond that contemplated
at the time the bond/policy was issued or last renewed;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(F)</TD><TD STYLE="text-align: justify">the cancelation is required pursuant to a determination by the superintendent that continuation
of the present premium volume of the insurer would jeopardize that insurer&rsquo;s solvency or be hazardous to the interests of
the insureds, the insurer&rsquo;s creditors or the public;</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.55pt 12pt 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>END 002</I></B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>



<P STYLE="margin: 0">SR 6180b (12/93)</P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 8pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 11pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>2</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center">(Continued)</P></TD></TR>
</TABLE>



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>
<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(G)</TD><TD STYLE="text-align: justify">a determination by the superintendent that the continuation of the bond/policy would violate, or
would place the insurer in violation of, any provision of the New York State insurance laws.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(H)</TD><TD STYLE="text-align: justify">where the insurer has reason to believe, in good faith and with sufficient cause, that there is
a possible risk or danger that the insured property will be destroyed by the insured for the purpose of collecting the insurance
proceeds, provided, however, that:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(i)</TD><TD STYLE="text-align: justify">a notice of cancelation on this ground shall inform the insured in plain language that the insured
must act within ten days if review by the Insurance Department of the State of New York of the ground for cancelation is desired,
and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(ii)</TD><TD STYLE="text-align: justify">notice of cancelation on this ground shall be provided simultaneously by the insurer to the Insurance
Department of the State of New York. Cancelation based on one of the above grounds shall be effective 15 days after the notice
of cancellation is mailed or delivered to the named insured, at the address shown on the bond/policy, and to its authorized agent
or broker.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">3.</TD><TD STYLE="text-align: justify">If the Underwriter/Company elects not to replace a bond/policy at the termination of the bond/policy
period, it shall notify the insured not more than 120 days nor less than 60 days before termination. If such notice is given late,
the bond/policy shall continue in effect for 60 days after such notice is given. The Aggregate Limit of Liability shall not be
increased or reinstated. The notice not to replace shall be mailed to the insured and its broker or agent.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">4.</TD><TD STYLE="text-align: justify">If the Underwriter/Company elects to replace the bond/policy, but with a change of limits, reduced
coverage, increased deductible, additional exclusion, or upon increased premiums in excess of ten percent (exclusive of any premium
increase as a result of experience rating), the Underwriter must mail written notice to the insured and its agent or broker not
more than 120 days nor less than 60 days before replacement. If such notice is given late, the replacement bond/policy shall be
in effect with the same terms, conditions and rates as the terminated bond/policy for 60 days after such notice is given.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">5.</TD><TD STYLE="text-align: justify">The Underwriter/Company may elect to simply notify the insured that the bond/policy will either
be not renewed or renewed with different terms, conditions or rates. In this event, the Underwriter/Company will inform the insured
that a second notice will be sent at a later date specifying the Underwriter&rsquo;s/Company&rsquo;s exact intention. The Underwriter
shall inform the insured that, in the meantime,</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.55pt 12pt 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>END 002</I></B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: left">SR 6180b (12/93)</P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->
<p></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 11pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>2</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center">(Continued)</P></TD></TR>
</TABLE>
<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-align: justify">coverage shall continue on the
same terms, conditions and rates as the expiring bond/policy until the expiration date of the bond/policy or 60 days after the
second notice is mailed or delivered, whichever is later.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 1in 12pt 0">FOR USE WITH FINANCIAL INSTITUTION BONDS, STANDARD <BR>
FORMS
NOS. 14, 15, 24, AND 25 AND EXCESS BANK EMPLOYEE <BR>
DISHONESTY BONDS, STANDARD FORM NO. 28, AND COMPUTER <BR>
CRIME POLICY FOR FINANCIAL
INSTITUTIONS TO COMPLY WITH <BR>
STATUTORY REQUIREMENTS.</P>



<P STYLE="margin: 0"></P>

<P STYLE="margin: 0"></P>

<P STYLE="margin: 0"></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 386pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; text-align: justify; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="width: 50%; border-bottom: Black 1pt solid; text-align: center; font-size: 12pt"><FONT STYLE="font-size: 11pt"><IMG SRC="image_040.jpg" ALT="" STYLE="height: 53px; width: 114px"></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="text-align: center; font-size: 12pt"><FONT STYLE="font-size: 11pt">AUTHORIZED REPRESENTATIVE</FONT></TD></TR>
</TABLE>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.55pt 12pt 3.85pt; text-align: center">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.55pt 12pt 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>END 002</I></B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: left">SR 6180b (12/93)<I>&nbsp;</I></P>

<P STYLE="margin: 0"></P>

<!-- Field: Page; Sequence: 26 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 11pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>3</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"></P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>




<P STYLE="margin: 0"></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B>&nbsp;</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B>ADDITIONAL NAMED INSURED RIDER</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt">In consideration of the premium charged, it is hereby understood
and agreed that:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">1.</TD><TD STYLE="text-align: justify">In Item 1 of the Declarations page, the section entitled &ldquo;Name of Insured (herein called
Insured),&rdquo; is amended to include the following at the end thereof:</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 0 1in">AB Income Fund, Inc.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in">AllianceBernstein Global High Income Fund<BR>
Alliance California Municipal Income Fund, Inc. <BR>
Alliance New York Municipal Income Fund, Inc. <BR>
Alliance National Municipal Income Fund, Inc. <BR>
AllianceBernstein Multi-Manager Alternative Fund</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in">AllianceBernstein Bond Fund, Inc.:<BR>
AllianceBernstein Bond Inflation <BR>
AllianceBernstein Intermediate Bond Portfolio<BR>
AllianceBernstein Limited Duration High Income Portfolio<BR>
AllianceBernstein Municipal Bond Inflation Portfolio<BR>
AllianceBernstein Real Asset Strategy Portfolio <BR>
AllianceBernstein Tax-Aware Fixed Income Portfolio <BR>
AllianceBernstein Government Reserves Portfolio</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in">AllianceBernstein High Income Fund, Inc.<BR>
AllianceBernstein Exchange Reserves</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in">AllianceBernstein Fixed-Income Shares, Inc. <BR>
Alliance
Bernstein Government STIF Portfolio</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in">AllianceBernstein Corporate Shares <BR>
AllianceBernstein Corporate Income Shares <BR>
AllianceBernstein Municipal Income Shares<BR>
AllianceBernstein Tax Aware Real Return Income Shares<BR>
AllianceBernstein Taxable Multi-Sector Income Shares</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in">AllianceBernstein Global Bond<BR>
AllianceBernstein Unconstrained Bond Fund (f/k/a Diversified Yield)</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.55pt 12pt 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>END 003&nbsp;</I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">127423 (11/17)</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">1</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I></I></B></P>


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<P STYLE="margin: 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>3</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center">(Continued)</P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>




<P STYLE="margin: 0"></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B>&nbsp;</B></P>




<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 1in">AllianceBernstein Municipal Income Fund, Inc.:<BR>
-California
Portfolio<BR>
-National Portfolio<BR>
-New York Portfolio<BR>
-High Income Municipal Portfolio</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 1in">AllianceBernstein Municipal Income Fund II:<BR>
-Arizona Portfolio<BR>
-Massachusetts Portfolio<BR>
-Michigan Portfolio<BR>
-Minnesota Portfolio<BR>
-New Jersey Portfolio<BR>
-Ohio Portfolio<BR>
-Pennsylvania Portfolio<BR>
-Virginia Portfolio</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 1in">AllianceBernstein Global Risk Allocation Portfolio (f/k/a
Balanced Shares, Inc.)</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in">AllianceBernstein Cap Fund, Inc.:<BR>
-AllianceBernstein Small Cap Growth Portfolio<BR>
-AllianceBernstein Market Neutral Strategy - U.S. Portfolio<BR>
-AllianceBernstein Market Neutral Strategy - Global Portfolio<BR>
-AllianceBernstein International Discovery Equity Portfolio<BR>
-AllianceBernstein Emerging Market Multi-Asset Portfolio<BR>
-AllianceBernstein Select US Equity<BR>
-AllianceBernstein Dynamic All Market Fund<BR>
-AllianceBernstein Select US Long/Short Portfolio<BR>
-AllianceBernstein Concentrated Growth Fund</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 1in">AllianceBernstein Core Opportunities Fund, Inc. (f/k/a
Focused Growth &amp; Income Fund)<BR>
AllianceBernstein Global Thematic Growth Fund, Inc.<BR>
AllianceBernstein Growth &amp; Income Fund, Inc.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 1in">AllianceBernstein Institutional Funds, Inc.:<BR>
-AllianceBernstein
Global Real Estate Investment Fund II</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in">AllianceBernstein International Growth Fund, Inc.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.55pt 12pt 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>END 003</I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">127423
                                         (11/17)</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">2</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></TD></TR></TABLE>



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<P STYLE="margin: 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>3</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center">(Continued)</P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>




<P STYLE="margin: 0"></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt"></P>



<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 84pt"></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in">AllianceBernstein Large-Cap Growth Fund, Inc.<BR>
AllianceBernstein Discovery Growth Fund, Inc. (f/k/a Small/Mid-Cap Growth Fund, Inc.)<BR>
AllianceBernstein Global Real Estate Investment Fund, Inc.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 1in">AllianceBernstein Trust<BR>
-AllianceBernstein Global Value
Fund<BR>
-AllianceBernstein International Value Fund<BR>
-AllianceBernstein Discovery Value Fund (f/k/a Small-Mid Cap Value Fund)<BR>
-AllianceBernstein Value Fund AllianceBernstein Equity Income Fund, Inc. (f/k/a Utility Income Fund)</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 1in">The AllianceBernstein Portfolios:<BR>
-AllianceBernstein Growth
Fund<BR>
-AllianceBernstein Balanced Wealth Strategy<BR>
-AllianceBernstein Wealth Appreciation Strategy<BR>
-AllianceBernstein Conservative Wealth Strategy<BR>
-AllianceBernstein Tax-Managed Balanced Wealth Strategy<BR>
-AllianceBernstein Tax-Managed Wealth Appreciation Strategy<BR>
-AllianceBernstein Tax-Managed Conservative Wealth Strategy</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 1in">AllianceBernstein Blended Style Series, Inc.:<BR>
-AllianceBernstein
2000 Retirement Strategy<BR>
-AllianceBernstein 2005 Retirement Strategy<BR>
-AllianceBernstein 2010 Retirement Strategy<BR>
-AllianceBernstein 2015 Retirement Strategy<BR>
-AllianceBernstein 2020 Retirement Strategy<BR>
-AllianceBernstein 2025 Retirement Strategy<BR>
-AllianceBernstein 2030 Retirement Strategy<BR>
-AllianceBernstein 2035 Retirement Strategy<BR>
-AllianceBernstein 2040 Retirement Strategy<BR>
-AllianceBernstein 2045 Retirement Strategy<BR>
-AllianceBernstein 2050 Retirement Strategy<BR>
-AllianceBernstein 2055 Retirement Strategy</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in">Sanford C. Bernstein Fund, Inc.:<BR>
-California Municipal
Portfolio<BR>
-Diversified Municipal Portfolio</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.55pt 12pt 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>END 003</I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">127423
                                         (11/17)</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">3</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></TD></TR></TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center">&nbsp;</P>

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<P STYLE="margin: 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>3</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center">(Continued)</P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>




<P STYLE="margin: 0"></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B>&nbsp;</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in">-New York Municipal Portfolio<BR>
-U.S. Government Short Duration Portfolio<BR>
-Short Duration Plus Portfolio<BR>
-Intermediate Duration Portfolio<BR>
-Short Duration New York Municipal Portfolio<BR>
-Short Duration California Municipal Portfolio<BR>
-Short Duration Diversified Municipal Portfolio<BR>
-International Portfolio<BR>
-Tax-Managed International Portfolio<BR>
-Emerging Markets Portfolio<BR>
-Overlay A Portfolio<BR>
-Overlay B Portfolio<BR>
-Tax-Aware Overlay A Portfolio<BR>
-Tax-Aware Overlay B Portfolio<BR>
-Tax-Aware Overlay C Portfolio<BR>
-Tax-Aware Overlay N Portfolio</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 1in">Sanford C. Bernstein Fund II, Inc.:<BR>
-Bernstein Intermediate
Duration Institutional Portfolio</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 1in">AllianceBernstein Variable Products Series Fund, Inc.:<BR>
-AllianceBernstein
Balanced Wealth Strategy Portfolio<BR>
-AllianceBernstein Dynamic Asset Allocation Portfolio<BR>
-AllianceBernstein Global Thematic Growth Portfolio<BR>
-AllianceBernstein Growth Portfolio<BR>
-AllianceBernstein Growth and Income Portfolio<BR>
-AllianceBernstein International Growth Portfolio<BR>
-AllianceBernstein International Value Portfolio<BR>
-AllianceBernstein Large Cap Growth Portfolio<BR>
-AllianceBernstein Real Estate Investment Portfolio<BR>
-AllianceBernstein Small Cap Growth Portfolio<BR>
-AllianceBernstein Small-Mid Cap Value Portfolio<BR>
-AllianceBernstein Intermediate Bond (f/k/a U.S. Government/High Grade Securities Portfolio)<BR>
-AllianceBernstein Value Portfolio</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 1in">The AllianceBernstein Pooling Portfolios:<BR>
-AllianceBernstein
U.S. Value Portfolio</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 1in">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">&copy;All rights reserved.<BR>
<B><I>END
003</I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">127423
                                         (11/17)</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">4</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></TD></TR></TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>&nbsp;</I></B><I>&nbsp;</I></P>


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    <!-- Field: /Page -->


<P STYLE="margin: 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>3</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center">(Continued)</P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>




<P STYLE="margin: 0"></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B>&nbsp;</B></P>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in">-AllianceBernstein U.S. Large Cap Growth Portfolio<BR>
-AllianceBernstein Multi-Asset Real Return Portfolio (f/k/a Global Real Estate Investment Portfolio)<BR>
-AllianceBernstein International Value Portfolio<BR>
-AllianceBernstein International Growth Portfolio<BR>
-AllianceBernstein Short Duration Bond Portfolio<BR>
-AllianceBernstein Global Core Bond Portfolio (f/k/a Intermediate Duration Bond Portfolio)<BR>
-AllianceBernstein Bond Inflation Protection Portfolio (f/k/a Inflation Protected securities Portfolio)<BR>
-AllianceBernstein High Yield Portfolio<BR>
-AllianceBernstein Small-Mid Cap Value Portfolio<BR>
-AllianceBernstein Small-Mid Cap Growth Portfolio<BR>
-AllianceBernstein Volatility Management Portfolio<BR>
-AB Private Credit Investors Corporation<BR>
-AB Private Credit Investors (Advisor)<BR>
-AB Private Credit Investors Corporation (BDC)</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 71.1pt 12pt 1in">and any other fund(s) now existing in the AllianceBernstein
Complex of Registered Investment Companies mutual fund program;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">2.</TD><TD STYLE="text-align: justify">Nothing contained herein shall be held to vary, alter, waive, or extend any of the terms, limitations,
conditions or agreements of the attached bond other than as above stated.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">&nbsp;</P>

<P STYLE="font: 1pt Times New Roman, Times, Serif; margin: 0 0 12pt 386pt">&nbsp;</P>

<P STYLE="font: 1pt Times New Roman, Times, Serif; text-align: left; margin-right: 0; margin-bottom: 12pt">&nbsp;</P>

<P STYLE="font: 1pt Times New Roman, Times, Serif; text-align: left; margin-right: 0; margin-bottom: 12pt">&nbsp;</P>

<P STYLE="font: 1pt Times New Roman, Times, Serif; text-align: left; margin-right: 0; margin-bottom: 12pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; text-align: justify; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="width: 50%; border-bottom: Black 1pt solid; text-align: center; font-size: 12pt"><FONT STYLE="font-size: 11pt"><IMG SRC="image_040.jpg" ALT="" STYLE="height: 53px; width: 114px"></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="text-align: center; font-size: 12pt"><FONT STYLE="font-size: 11pt">AUTHORIZED REPRESENTATIVE</FONT></TD></TR>
</TABLE>
<P STYLE="font: 1pt Times New Roman, Times, Serif; text-align: left; margin-right: 0; margin-bottom: 12pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: center">&copy;All rights reserved.<BR>
<B><I>END 003</I></B></P>



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">127423
                                         (11/17)</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">5</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></TD></TR></TABLE>


<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<!-- Field: Page; Sequence: 31 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->



<P STYLE="margin: 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>4</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"></P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>




<P STYLE="margin: 0"></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B>&nbsp;</B></P>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B>AMENDED INSURING AGREEMENT (A) FIDELITY</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt">In consideration of the premium charged, it is hereby understood
and agreed that:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">1.</TD><TD STYLE="padding-right: 64.2pt">Insuring Agreement (A) FIDELITY is hereby deleted in its entirety and replaced with the following:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(A)</TD><TD>FIDELITY</TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in; text-align: justify">Loss resulting directly from dishonest
or fraudulent acts, including Larceny and Embezzlement, committed by an Employee anywhere and whether committed alone or in collusion
with others, including loss of Property resulting from such acts of an Employee, which Property is held by the Insured for any
purpose or in any capacity and whether so held gratuitously or not and whether or not the Insured is liable therefor.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in; text-align: justify">Such dishonest or fraudulent acts
must be committed by the Employee with the manifest intent:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD STYLE="text-align: justify">to cause the Insured to sustain such loss; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify">to obtain financial benefit for the Employee, or for any other person or organization intended
by the Employee to receive such benefit.</TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in; text-align: justify">Notwithstanding the foregoing, however,
it is agreed that with regard to Loans and/or Trading, this bond covers only loss resulting directly from dishonest or fraudulent
acts committed by an Employee with the intent to cause the Insured to sustain such loss and which results in a financial benefit
for the Employee.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in; text-align: justify">The term &ldquo;Loans&rdquo; as
used in this Insuring Agreement shall be deemed to mean all extensions of credit by the Insured and all transactions creating a
creditor relationship in favor of the Insured and all transactions by which the Insured assumes an existing creditor relationship.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in; text-align: justify">The term &ldquo;Trading&rdquo; as
used in this Insuring Agreement shall be deemed to mean trading or other dealings in securities, commodities, futures, options,
swaps, foreign or Federal Funds, currencies, foreign exchange and the like.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in; text-align: justify">As used throughout this Insuring
Agreement, financial benefit does not include any salaries, commissions, fees, bonuses, promotions, awards, profit sharing, pensions
or other employee benefits earned in the normal course of employment.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 15.55pt 0 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 0; text-align: center"><B><I>END 004</I></B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 0; text-align: center"><B><I>&nbsp;</I></B></P>



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 34%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">132765 (05/19)</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">1</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 33%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
</TABLE>

<!-- Field: Page; Sequence: 32 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->



<P STYLE="margin: 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>4</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center">(Continued)</P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>




<P STYLE="margin: 0"></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B></B></P>



<P STYLE="margin: 0"><B><I>&nbsp;</I></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">2.</TD><TD STYLE="padding-right: 64.2pt">Nothing herein contained shall be held to vary, alter, waive or extend any of the terms, limitations
conditions or agreements of the attached bond other than as above stated.</TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt">&nbsp;</P>

<P STYLE="font: 1pt Times New Roman, Times, Serif; margin: 0 0 12pt 386pt">&nbsp;</P>

<P STYLE="font: 1pt Times New Roman, Times, Serif; margin: 0 0 12pt 386pt">&nbsp;</P>

<P STYLE="font: 1pt Times New Roman, Times, Serif; margin: 0 0 12pt 386pt">&nbsp;</P>

<P STYLE="font: 1pt Times New Roman, Times, Serif; margin: 0 0 12pt 386pt">&nbsp;</P>

<P STYLE="font: 1pt Times New Roman, Times, Serif; margin: 0 0 12pt 386pt">&nbsp;</P>

<P STYLE="font: 1pt Times New Roman, Times, Serif; margin-top: 0; margin-right: 0; margin-bottom: 12pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; text-align: justify; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="width: 50%; border-bottom: Black 1pt solid; text-align: center; font-size: 12pt"><FONT STYLE="font-size: 11pt"><IMG SRC="image_040.jpg" ALT="" STYLE="height: 53px; width: 114px"></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="text-align: center; font-size: 12pt"><FONT STYLE="font-size: 11pt">AUTHORIZED REPRESENTATIVE</FONT></TD></TR>
</TABLE>
<P STYLE="font: 1pt Times New Roman, Times, Serif; margin-top: 0; margin-right: 0; margin-bottom: 12pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 15.55pt 12pt 3.85pt; text-align: center">&copy;All rights reserved.<BR>
<B><I>END 004</I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 34%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">132765 (05/19)</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">2</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 33%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<!-- Field: Page; Sequence: 33 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->



<P STYLE="margin: 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>5</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"></P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>




<P STYLE="margin: 0"></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B>&nbsp;</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B></B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B>AUDIT EXPENSE RIDER</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in">It is agreed that:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><B>1.</B></TD><TD>Insuring Agreement (A) FIDELITY of the <B>INSURING AGREEMENTS<BR>
</B>Clause is amended by inserting the following at the end thereof:</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in; text-align: justify">Expense incurred by the Insured
for that part of the cost of audits or examinations required by State or Federal supervisory authorities to be conducted either
by such authorities or by independent accountants by reason of the discovery of loss sustained by the Insured through dishonest
or fraudulent acts of any of the Employees. The total liability of the Underwriter for such expense by reason of such acts of any
Employee or in which such Employee is concerned or implicated or with respect to any one audit or examination is limited to the
amount stated opposite &ldquo;Audit Expense Coverage&rdquo;; it being understood, however, that such expense shall be deemed to
be loss sustained by the Insured through dishonest or fraudulent act of one or more of the Employees and the liability of the Underwriter
under this paragraph of Insuring Agreement (A) shall be part of and not in addition to the Single Loss Limit of Liability stated
in Item 4 of the Declarations.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><B>2.</B></TD><TD STYLE="text-align: justify">Paragraph (d) of Section 2. EXCLUSIONS of the <B>CONDITIONS AND LIMITATIONS<BR> </B>Clause is
                                                                     deleted in its entirety and replaced with the following:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(d)</TD><TD STYLE="text-align: justify">loss resulting directly or indirectly from any acts of any director or trustee of the Insured other
than one employed as a salaried, pensioned or elected official or an Employee of the Insured, except when performing acts coming
within the scope of the usual duties of an Employee, or while acting as a member of any committee duly elected or appointed by
resolution of the board of directors or trustees of the Insured to perform specific, as distinguished from general, directorial
acts on behalf of the Insured;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">3.</TD><TD>Solely with respect to the coverage afforded by this endorsement, paragraph (k) of Section 2. <B>EXCLUSIONS</B> of Section
2. EXCLUSIONS of the <B>CONDITIONS AND LIMITATIONS </B>Clause is deleted in its entirety and replaced with the following:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(k)</TD><TD STYLE="text-align: justify; padding-right: 70.7pt">all fees, costs and expenses incurred by the Insured</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-bottom: 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt; text-align: center"><B><I>END 005</I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 34%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">131201 (11/18)</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">1</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 33%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 0.5in; text-align: center"><B><I>&nbsp;</I></B></P>




<!-- Field: Page; Sequence: 34 -->
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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->



<P STYLE="margin: 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>5</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center">(Continued)</P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>




<P STYLE="margin: 0"></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(1)</TD><TD STYLE="text-align: justify; padding-right: 76.95pt">in establishing the existence of or amount of loss covered under this bond,
except to the extent covered under the portion of Insuring Agreement (A) entitled Audit Expense, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(2)</TD><TD STYLE="text-align: justify; padding-right: 77.35pt">as a party to any legal proceeding whether or not such legal proceeding
exposes the Insured to loss covered by this bond;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">4.</TD><TD>Item 4 of the Declarations is amended to include the following:</TD></TR></TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 1in">&nbsp;</TD>
    <TD STYLE="width: 2in">&nbsp;</TD>
    <TD STYLE="width: 2in">Single Loss</TD>
    <TD STYLE="width: 2in">Single Loss</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Limit of Liability</TD>
    <TD>Deductible</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Audit Expense</TD>
    <TD>$50,000</TD>
    <TD>$10,000</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 12pt; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">5.</TD><TD>Nothing contained here shall be held to vary, alter, waive or extend any of the terms, limitations, conditions, or agreements
of the attached bond other than as above stated.</TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 12pt; margin-bottom: 12pt; text-align: center">ALL OTHER TERMS, CONDITIONS AND
EXCLUSIONS REMAIN UNCHANGED.</P>

<P STYLE="font: 13.5pt Times New Roman, Times, Serif; margin: 0 0 12pt">&nbsp;</P>

<P STYLE="font: 13.5pt Times New Roman, Times, Serif; margin: 0 0 12pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; text-align: justify; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="width: 50%; border-bottom: Black 1pt solid; text-align: center; font-size: 12pt"><FONT STYLE="font-size: 11pt"><IMG SRC="image_040.jpg" ALT="" STYLE="height: 53px; width: 114px"></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="text-align: center; font-size: 12pt"><FONT STYLE="font-size: 11pt">AUTHORIZED REPRESENTATIVE</FONT></TD></TR>
</TABLE>
<P STYLE="font: 13.5pt Times New Roman, Times, Serif; margin: 0 0 12pt">&nbsp;</P>

<P STYLE="font: 1pt Times New Roman, Times, Serif; margin: 0 0 12pt 386pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 15.55pt 0 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>END 005</I></B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I></I></B><I>&nbsp;</I></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 11pt">131201 (11/18)</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 11pt">2</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I></I></B></P>






<P STYLE="margin: 0"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->


<P STYLE="margin: 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>6</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"></P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>
<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">ECONOMIC SANCTIONS ENDORSEMENT</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt"><I>This endorsement modifies insurance provided under the
following:</I></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 63.95pt 12pt 0; text-align: justify">Coverage shall only be provided
and payment of loss under this policy shall only be made in full compliance with enforceable United Nations economic and trade
sanctions and the trade and economic sanction laws or regulations of the European Union and the United States of America, including,
but not limited to, sanctions, laws and regulations administered and enforced by the U.S. Treasury Department&rsquo;s Office of
Foreign Assets Control (&ldquo;OFAC&rdquo;).</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS
REMAIN UNCHANGED.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; text-align: justify; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="width: 50%; border-bottom: Black 1pt solid; text-align: center; font-size: 12pt"><FONT STYLE="font-size: 11pt"><IMG SRC="image_040.jpg" ALT="" STYLE="height: 53px; width: 114px"></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="text-align: center; font-size: 12pt"><FONT STYLE="font-size: 11pt">AUTHORIZED REPRESENTATIVE</FONT></TD></TR>
</TABLE>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">&copy; All rights reserved.</P>

<!-- Field: Page; Sequence: 36 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 30%"><FONT STYLE="font-size: 11pt"><I>1-14180</I></FONT></TD>
    <TD STYLE="text-align: center; width: 40%"><FONT STYLE="font-size: 11pt"><I>END 006</I></FONT></TD>
    <TD STYLE="width: 30%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 11pt">119679 (9/15)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 11pt">Page 1 of 1</FONT></TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"></P>

<!-- Field: Page; Sequence: 37 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>7</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"></P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>
<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B>AMENDED INSURING AGREEMENT (G) COUNTERFEIT
CURRENCY</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt">It is agreed that:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">1.</TD><TD STYLE="text-align: justify">Insuring Agreement (G), COUNTERFEIT CURRENCY, is amended so that coverage applies to any counterfeited
money orders or altered paper currencies or coin of any country.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">2.</TD><TD STYLE="text-align: justify">Nothing herein contained shall be held to vary, alter, waive or extend any of the terms, limitations,
conditions or agreements of the attached bond other than as above stated.</TD></TR></TABLE>

<P STYLE="font: 9.5pt Times New Roman, Times, Serif; margin: 0 0 12pt">&nbsp;</P>

<P STYLE="font: 9.5pt Times New Roman, Times, Serif; margin: 0 0 12pt">&nbsp;</P>

<P STYLE="font: 9.5pt Times New Roman, Times, Serif; margin: 0 0 12pt">&nbsp;</P>

<P STYLE="font: 9.5pt Times New Roman, Times, Serif; margin: 0 0 12pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; text-align: justify; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="width: 50%; border-bottom: Black 1pt solid; text-align: center; font-size: 12pt"><FONT STYLE="font-size: 11pt"><IMG SRC="image_040.jpg" ALT="" STYLE="height: 53px; width: 114px"></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="text-align: center; font-size: 12pt"><FONT STYLE="font-size: 11pt">AUTHORIZED REPRESENTATIVE</FONT></TD></TR>
</TABLE>
<P STYLE="font: 9.5pt Times New Roman, Times, Serif; margin: 0 0 12pt"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 15.55pt 0 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>END 007</I></B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I></I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 11pt">132764 (05/19)</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 11pt">1</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I></I></B></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>8</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"></P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>
<P STYLE="margin: 0">&nbsp;<BR>
</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B>COMPUTER CRIME COVERAGE RIDER </B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B>(ICBB VERSION)</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt">In consideration of the premium charged, it is hereby understood
and agreed that bond is hereby amended as follows:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">1.</TD><TD STYLE="text-align: justify">All the terms and conditions of the Investment Company Blanket Bond, Form No. 41206 (09/84), shall
apply to coverage as is afforded by this endorsement unless specifically stated otherwise herein or in any endorsement attached
hereto.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">2.</TD><TD STYLE="text-align: justify">Item 3 of the Declarations is hereby amended by adding the following under <B><I>Optional Insuring
Agreements and Coverages </I></B>section:</TD></TR></TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 53%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 27%; text-align: center"><FONT STYLE="font-size: 11pt"><U>Limit of Liability</U></FONT></TD>
    <TD STYLE="width: 20%; text-align: center"><FONT STYLE="font-size: 11pt"><U>Deductible</U></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 11pt">(CC-1) Computer Systems Fraud</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 11pt">$50,000,000</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 11pt">$100,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 11pt">(CC-2) Data Processing Service Operations</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 11pt">NIL</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 11pt">NIL</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 11pt">(CC-3) Voice Initiated Transfer Fraud</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 11pt">NIL</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 11pt">NIL</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 11pt">(CC-4) Telefacsimile Transfer Fraud&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 11pt">$50,000,000</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 11pt">$100,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 11pt">(CC-5) Destruction of Data or Programs by Hacker </FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 11pt">NIL</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 11pt">NIL</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 11pt">(CC-6) Destruction of Data or Programs by Virus </FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 11pt">NIL</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 11pt">NIL</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 11pt">(CC-7) Voice Computer Systems Fraud</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 11pt">NIL</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 11pt">NIL</FONT></TD></TR>
</TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt">                                                                                                                                         <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">3.</TD><TD STYLE="text-align: justify">The Declarations page is hereby amended by adding the following after <B>Item 6 </B>thereof:</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in"><B>Item 7.</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in"><B>Voice Initiated Transfer Fraud</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in">Under the terms of the Voice Initiated Transfer Fraud
Insuring Agreement, the Insured must place verification call-back for each transfer in excess of $100,000.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in"><B>Telefacsimile Transfer Fraud</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.55pt 12pt 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>END 008</I></B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I></I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 11pt">135055 (12/19)</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 11pt">1</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>8</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center">(Continued)</P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 8pt"><B><I></I></B>&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in; text-align: justify">Under the terms of the Telefacsimile
Transfer Fraud Insuring Agreement, the Insured must place a Verification call-back for each transfer in excess of $100,000.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">4.</TD><TD STYLE="text-align: justify">The Insuring Agreements are hereby amended by adding the following Insuring Agreements to the Bond:</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B>COMPUTER SYSTEMS FRAUD</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in">(CC-1) Loss resulting directly from a fraudulent:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(1)</TD><TD>entry of Electronic Data or Computer Program into, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(2)</TD><TD STYLE="text-align: justify">change of Electronic Data or Computer Program within any Computer System operated by the Insured,
whether owned or leased; or any Computer System identified in the application for this bond; or a Computer System first used by
the Insured during the bond period; as provided by General Agreement B; provided the entry or change causes:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">(i)</TD><TD STYLE="text-align: justify">Property to be transferred, paid or delivered,</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">(ii)</TD><TD STYLE="text-align: justify">an account of the Insured, or of its customer, to be added, deleted, debited or credited, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">(iii)</TD><TD STYLE="text-align: justify">an unauthorized account or a fictitious account to be debited or credited.</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1.5in; text-align: justify">In this Insuring Agreement, fraudulent
entry or change shall include such entry or change made by an Employee of the Insured acting in good faith:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD STYLE="text-align: justify">on an instruction from a software contractor who has a written agreement with the Insured to design,
implement or service programs for a Computer System covered by this Insuring Agreement, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify">on an instruction transmitted by Tested telex or similar means of Tested communication identified
in the application for this bond purportedly sent by a customer, financial institution or automated clearing house.</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B>DATA PROCESSING SERVICE OPERATIONS</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in">(CC-2) Loss sustained by a Client of the Insured resulting
directly from a fraudulent:</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; text-align: center">&copy;All rights reserved.<BR>
<B><I>END 008</I></B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; text-align: center"><B><I></I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 11pt">135055 (12/19)</FONT></TD>
    <TD STYLE="text-align: center; width: 33%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">2</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; text-align: center"><B><I>&nbsp;</I></B></P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>8</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center">(Continued)</P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(1)</TD><TD STYLE="text-align: justify">entry of Electronic Data or a Computer Program into, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(2)</TD><TD STYLE="text-align: justify">change of Electronic Data or a Computer Program within a Computer System covered under the terms
of the <B>COMPUTER SYSTEMS FRAUD</B> Insuring Agreement, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(3)</TD><TD STYLE="text-align: justify">entry or change of Electronic Data during electronic transmission or physical transit from the
Insured to its Client, provided that the entry or change causes:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">(i)</TD><TD STYLE="text-align: justify">Property to be transferred, paid or delivered,</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">(ii)</TD><TD STYLE="text-align: justify">an account of the Client, or a customer of the Client, to be added, deleted, debited or credited,
or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">(iii)</TD><TD STYLE="text-align: justify">an unauthorized account or a fictitious account to be debited or credited, and for which loss the
Insured is legally liable to the Client as a provider of data processing services for such Client.</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1.5in; text-align: justify">In this Insuring Agreement, fraudulent
entry or change shall include such entry or change made by an Employee of the Insured acting in good faith:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD STYLE="text-align: justify">on an instruction from a software contractor who has a written agreement with the Insured to design,
implement or service programs for a Computer System covered by this Insuring Agreement, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify">on an instruction transmitted by Tested telex or similar means of Tested communication identified
in the application for this bond purportedly sent by a customer, financial institution or automated clearing house.</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1.5in; text-align: justify">In this Insuring Agreement, Client
means an entity for which the Insured serves as data processor under the terms of a written agreement.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B>VOICE INITIATED TRANSFER FRAUD</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.75in">(CC-3)</TD><TD STYLE="text-align: justify">Loss resulting directly from the Insured having, in good faith, transferred Funds from a Customer&rsquo;s
account through a Computer System covered under the terms of the <B>COMPUTER SYSTEMS FRAUD </B>Insuring Agreement in</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.55pt 12pt 3.85pt; text-align: center">&copy;All rights reserved.<BR>
<B><I>END
008</I></B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.55pt 12pt 3.85pt; text-align: center"><B><I></I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 11pt">135055 (12/19)</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 11pt">3</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.55pt 12pt 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>


<!-- Field: Page; Sequence: 41 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>8</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center">(Continued)</P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 64.35pt 12pt 1.5in; text-align: justify">reliance upon a fraudulent
voice instruction transmitted by telephone which was purported to be from:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(1)</TD><TD STYLE="text-align: justify">an officer, director, partner or employee of a Customer of the Insured who was authorized by the
Customer to instruct the Insured to make such transfer,</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(2)</TD><TD STYLE="text-align: justify">an individual person who is a Customer of the Insured, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(3)</TD><TD STYLE="text-align: justify">an Employee of the Insured in another office of the Insured who was authorized by the Insured to
instruct other Employees of the Insured to transfer Funds, and was received by an Employee of the Insured specifically designated
to receive and act upon such instructions, but the voice instruction was not from a person described in (1), (2) or (3) above,
provided that:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(i)</TD><TD STYLE="text-align: justify">such voice instruction was electronically recorded by the Insured and required password(s) or code
word(s) given; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(ii)</TD><TD STYLE="text-align: justify">if the transfer was in excess of the amount shown on the Declarations Page as the verification
call-back amount for this Insuring Agreement, the voice instruction was verified by a call-back according to a prearranged procedure.</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1.5in; text-align: justify">As used in this Insuring Agreement,
Customer means an entity or individual which has a written agreement with the Insured authorizing the Insured to rely on voice
instructions to initiate transfers and has provided the Insured with the names of persons authorized to initiate such transfers,
and with which the Insured has established an instruction verification mechanism.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 189.8pt"><B>TELEFACSIMILE TRANSFER FRAUD</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.75in">(CC-4)</TD><TD STYLE="text-align: justify">Loss resulting directly from the Insured having, in good faith, transferred or delivered Funds,
Certificated Securities or Uncertificated Securities through a Computer System covered under the terms of the <B>COMPUTER SYSTEMS
FRAUD </B>Insuring Agreement in reliance upon a fraudulent instruction received through a Telefacsimile Device, and which instruction:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(1)</TD><TD STYLE="text-align: justify">purports and reasonably appears to have originated from:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD STYLE="text-align: justify">a Customer of the Insured,</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify">another financial institution, or</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.55pt 0 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>END 008</I></B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I></I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 11pt">135055 (12/19)</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 11pt">4</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I></I></B></P>


<!-- Field: Page; Sequence: 42 -->
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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>8</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center">(Continued)</P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">(c)</TD><TD STYLE="text-align: justify">another office of the Insured but, in fact, was not originated by the Customer or entity whose
identification it bears, and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(2)</TD><TD>contains a valid test code which proves to have been used by a person who was not authorized to make use of it, and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(3)</TD><TD>contains the name of a person authorized to initiate such transfer;</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1.5in; text-align: justify">provided that, if the transfer
was in excess of the amount shown on the Declarations as the verification call-back amount for this Insuring Agreement, the instructions
was verified by a call-back according to a prearranged procedure.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1.5in; text-align: justify">As used in this Insuring Agreement,
Customer means an entity or individual which has a written agreement with the Insured authorizing the Insured to rely on Telefacsimile
Device instructions to initiate transfers and has provided the Insured with the names of persons authorized to initiate such transfers,
and with which the Insured has established an instruction verification mechanism.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B>DESTRUCTION OF DATA OR PROGRAMS BY
HACKER</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.75in">(CC-5)</TD><TD STYLE="text-align: justify">Loss that is Restoration Costs resulting directly from the malicious destruction of, or damage
to, Electronic Data or Computer Programs owned by the Insured or for which the Insured is legally liable while stored within a
Computer System covered under the terms of the <B>COMPUTER SYSTEMS FRAUD </B>Insuring Agreement.</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1.5in; text-align: justify"><B>Special Condition: </B>Under
this Insuring Agreement, a single &ldquo;Loss&rdquo; shall comprise of all covered costs incurred by the Insured between the time
destruction or damage is discovered and the time the affected Computer Program(s) or Electronic Data is/are restored or repaired
(or a determination has been made that such restoration or repair is impossible). Recurrence of destruction or damage after the
Computer Program(s) or Electronic Data is/are restored or repaired shall constitute a separate single &ldquo;Loss.&rdquo;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B>DESTRUCTION OF DATA OR PROGRAMS BY
VIRUS</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.55pt 0 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>END 008</I></B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I></I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 11pt">135055 (12/19)</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 11pt">5</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>


<!-- Field: Page; Sequence: 43 -->
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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>8</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center">(Continued)</P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.75in">(CC-6)</TD><TD STYLE="text-align: justify">Loss resulting directly from the malicious destruction of, or damage to, Electronic Data or Computer
Programs owned by the Insured or for which the Insured is legally liable while stored within a Computer System covered under the
terms of the <B>COMPUTER SYSTEMS FRAUD </B>Insuring Agreement if such destruction or damage was caused by a computer program or
similar instruction which was written or altered to incorporate a hidden instruction designed to destroy or damage Electronic Data
or Computer Programs in the Computer System in which the computer program or instruction so written or so altered is used.</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1.5in; text-align: justify"><B>Special Condition: </B>Under
this Insuring Agreement, a single &ldquo;Loss&rdquo; consists of all covered costs incurred by the Insured between the time destruction
or damage is discovered and the time the affected Computer Program(s) or Electronic Data is/are restored or repaired (or a determination
has been made that such restoration or repair is impossible). Recurrence of destruction or damage after the Computer Program(s)
or Electronic Data is/are restored or repaired shall constitute a separate single &ldquo;Loss.&rdquo;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 188.15pt"><B>VOICE COMPUTER SYSTEM FRAUD</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.75in">(CC-7)</TD><TD STYLE="text-align: justify">Loss resulting directly from charges for voice telephone long-distance toll calls which were incurred
due to the fraudulent use or fraudulent manipulation of an Account Code or System Password required to obtain access to a Voice
Computer System owned or leased by the Insured, installed on the Insured&rsquo;s premises, whose System Administration is performed
and controlled by the Insured; provided, however, that the unauthorized access was not made possible by:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(1)</TD><TD STYLE="text-align: justify; padding-right: 64.2pt">failure to incorporate a System Password feature or failure to change the
System Password at least once every 30 days thereafter, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(2)</TD><TD STYLE="text-align: justify; padding-right: 64.2pt">failure to have a call-disconnect feature in operation to automatically
terminate a caller&rsquo;s access to the Voice Computer System after not more than three unsuccessful attempts to input an Account
Code.</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.55pt 0 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>END 008</I></B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I></I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 11pt">135055 (12/19)</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 11pt">6</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>8</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center">(Continued)</P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1.5in; text-align: justify"><B>Special Condition: </B>Under
this Insuring Agreement, a single &ldquo;Loss&rdquo; consists of loss resulting from toll call charges made only on telephone lines
directly controlled by one Voice Computer System and only toll call charges occurring for a period of not more than 30 days inclusive
of the date on which the first such toll call charge was made.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">5.</TD><TD STYLE="text-align: justify">GENERAL AGREEMENT A. ADDITIONAL OFFICES OR EMPLOYEES&ndash;CONSOLIDATION, MERGER&ndash;NOTICE is
hereby deleted in its entirety and is replaced with the following:</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 49.3pt 12pt 1in; text-indent: -1.6pt">ADDITIONAL OFFICES OR EMPLOYEES
OR COMPUTER SYSTEMS &ndash; CONSOLIDATION, MERGER OR PURCHASE OF ASSETS OR COMPUTER SYSTEMS</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">A.</TD><TD STYLE="text-align: justify">If the Insured shall, while this bond is in force, establish any additional offices, other than
by consolidation or merger with, or purchase or acquisition of assets or liabilities or computer systems of, another institution,
such offices and computer systems shall be automatically covered hereunder from the date of such establishment without the requirement
of notice to the Underwriter or the payment of additional premium for the remainder of the premium period.</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1.5in; text-align: justify">If the Insured shall, while this
bond is in force, consolidate or merge with, or purchase or acquire assets or liabilities or computer systems of, another institution,
the Insured shall not have such coverage as is afforded under this bond for loss which:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD STYLE="text-align: justify">has occurred or will occur in offices or premises or computer systems, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify">has been caused or will be caused by an employee or employees of such institution, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(c)</TD><TD STYLE="text-align: justify">has arisen or will arise out of the assets or liabilities or computer systems acquired by the Insured
as a result of such consolidation, merger or purchase of assets or liabilities or computer systems unless the Insured shall:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">(i)</TD><TD STYLE="text-align: justify">give the Underwriter written notice within 60 days of the proposed consolidation, merger or purchase
of assets or liabilities or computer systems prior to the proposed effective date of such action; and</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.55pt 0 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>END 008</I></B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I></I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 11pt">135055 (12/19)</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 11pt">7</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>8</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center">(Continued)</P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">(ii)</TD><TD STYLE="text-align: justify">obtain the written consent of the Underwriter to extend the coverage provided by this bond to such
additional offices or premises or computer systems, Employees and other exposures; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">(iii)</TD><TD STYLE="text-align: justify">upon obtaining such consent, pay to the Underwriter an additional premium.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">6.</TD><TD STYLE="text-align: justify">Solely for the coverage provided by this rider, in Section 1. DEFINITIONS of the CONDITIONS AND
LIMITATIONS of this bond, definition (b) &ldquo;Property&rdquo; is hereby amended to include Electronic Data and Computer Programs.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">7.</TD><TD STYLE="text-align: justify">Solely for the coverage provided by this rider, Section 1. DEFINITIONS of the CONDITIONS AND LIMITATIONS
of this bond is hereby amended by adding the following definitions to the end thereof:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(i)</TD><TD STYLE="text-align: justify">&ldquo;Account Code&rdquo; means a confidential and protected string of characters which identifies
or authenticates a person and permits that person to gain access to a Voice Computer System for the purpose of making toll calls
or utilizing voice mail box messaging capabilities or other similar functional features of the System.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(ii)</TD><TD STYLE="text-align: justify">&ldquo;Computer Program&rdquo; means a set of related electronic instructions which direct the
operations and functions of a computer or devices connected to it which enable the computer or devices to receive, process, store
or send Electronic Data.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(iii)</TD><TD>&ldquo;Computer System&rdquo; means:</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1.5in; text-align: justify">(1)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>computers
with related peripheral components, including storage components wherever located;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1.5in">(2)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>systems
and applications software;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1.5in">(3)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>terminal
devices; and</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1.5in">(4)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>related
communication networks, including the internet by which Electronic Data are electronically collected, transmitted, processed, stored
and retrieved.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(iv)</TD><TD STYLE="text-align: justify">&ldquo;Electronic Data&rdquo; means facts or information converted to a form usable in a Computer
System by Computer Programs and which is stored on magnetic tapes or disks, or optical storage disks or other bulk media.</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.55pt 0 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>END 008</I></B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I></I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 11pt">135055 (12/19)</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 11pt">8</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>


<!-- Field: Page; Sequence: 46 -->
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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>8</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center">(Continued)</P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(iv)</TD><TD STYLE="text-align: justify">&ldquo;Funds&rdquo; means Money on deposit in an account.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(v)</TD><TD STYLE="text-align: justify">&ldquo;Restoration Costs&rdquo; means reasonable and necessary costs or expenses incurred by the
Insured with the Insurer&rsquo;s prior written consent to restore or repair damaged or destroyed Electronic Data or Computer Programs
within a Computer System; provided that if it is determined that such Electronic Data or Computer Programs cannot be restored or
repaired, then Restoration Costs means solely those reasonable costs or expenses incurred by the Insured, with the Insurer&rsquo;s
prior written consent, to reach such determination.</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1.5in; text-align: justify">Notwithstanding the foregoing,
Restoration Costs shall not include, and in no event shall any Insuring Agreement of this bond cover:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(1)</TD><TD STYLE="text-align: justify">any costs related directly or indirectly to the damage or destruction of Electronic Data or Computer
Programs that the Insured did not have a license to use; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(2)</TD><TD STYLE="text-align: justify">any costs or expenses incurred to redo the work product, research or analysis that was the basis
of any damaged or destroyed Electronic Data or Computer Programs.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(vi)</TD><TD STYLE="text-align: justify">&ldquo;System Administration&rdquo; means the performance of security functions including but not
limited to defining authorized persons to access a Voice Computer System and adding, changing and deleting Account Codes or passwords
in connection therewith; and invoking or revoking a System option which directs telephone call routing or which adds, moves or
drops telephone lines or which performs any other similar activity allowed by a hardware or software-based System option that has
been incorporated by a manufacturer or vendor into a System or any component thereof provided said System option is not intended
for the sole use of such manufacturer or vendor.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(vii)</TD><TD STYLE="text-align: justify">&ldquo;System Maintenance&rdquo; means the performance of hardware and software installation, diagnostics
and corrections and similar activities that are performed in the usual custom and practice by a manufacturer or vendor to establish
or maintain the basic operational functionality of a Voice Computer System or any component thereof.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(viii)</TD><TD STYLE="text-align: justify">&ldquo;System Password&rdquo; means a confidential and protected string of characters which identifies
or authenticates a person and permits that person to gain</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.55pt 0 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>END 008</I></B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I></I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 11pt">135055 (12/19)</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 11pt">9</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I></I></B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I></I></B></P>

<!-- Field: Page; Sequence: 47 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>8</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center">(Continued)</P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.3pt 12pt 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1.5in">access to a Voice Computer System or any portion thereof
for the purpose of performing System Administration or System Maintenance activities.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(ix)</TD><TD STYLE="text-align: justify">&ldquo;Telefacsimile Device&rdquo; means a machine capable of sending or receiving a duplicate
image of a document by means of electronic impulses transmitted through a telephone line and which reproduces the duplicate image
on paper.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(x)</TD><TD STYLE="text-align: justify">&ldquo;Tested&rdquo; means a method of authenticating the contents of a communication by placing
a valid test key on it which has been agreed upon by the Insured and a customer, automated clearing house, or another financial
institution for the purpose of protecting the integrity of the communication in the ordinary course of business.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(xi)</TD><TD STYLE="text-align: justify">&ldquo;Uncertificated Security&rdquo; means a share, participation or other interest in property
of, or an enterprise of, the issuer or an obligation of the issuer, which is:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(1)</TD><TD STYLE="text-align: justify">not represented by an instrument and the transfer of which is registered upon books maintained
for that purpose by or on behalf of the issuer;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(2)</TD><TD STYLE="text-align: justify">of a type commonly dealt in securities, exchanges or markets; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(3)</TD><TD STYLE="text-align: justify">either one of a class or series or by its terms divisible into a class or series of shares, participations,
interests or obligations.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(xii)</TD><TD STYLE="text-align: justify">&ldquo;Voice Computer System&rdquo; means a Computer System installed in one location which functions
as a private branch exchange (PBX), voice mail processor, automated call attendant or provides a similar capability used for the
direction or routing of telephone calls in a voice communications network.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">8.</TD><TD STYLE="text-align: justify; padding-right: 64pt">Solely for the coverage provided by this rider, Section 2. EXCLUSIONS of the
CONDITIONS AND LIMITATIONS of the bond is hereby amended by adding the following exclusions to the end thereof:</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in">THIS BOND DOES NOT COVER:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(i)</TD><TD STYLE="text-align: justify">any loss of the type or kind covered by any other Insuring Agreement provided in this financial
institution bond, regardless of any deductible amount or limit of liability;</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.55pt 0 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>END 008</I></B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I></I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 11pt">135055 (12/19)</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 11pt">10</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>&nbsp;</I></B></P>


<!-- Field: Page; Sequence: 48 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>8</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center">(Continued)</P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>&nbsp;</I></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(ii)</TD><TD STYLE="text-align: justify">loss caused by a director or Employee of the Insured or by a person in collusion with any director
or Employee of the Insured; (Collusion shall include the willful withholding of knowledge from the Insured by any director or Employee
that a fraudulent act by a person not an Employee has been or will be perpetrated against the Insured.);</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(iii)</TD><TD STYLE="text-align: justify">loss resulting directly or indirectly from entry or change of Electronic Data or Computer Programs
in a Computer System, unless covered under the <B>COMPUTER SYSTEMS FRAUD </B>or <B>DATA PROCESSING SERVICE OPERATIONS </B>Insuring
Agreements;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(iv)</TD><TD STYLE="text-align: justify">loss resulting directly or indirectly from the Insured having transferred Funds in reliance on
the validity of a voice instruction, unless covered under the <B>COMPUTER SYSTEMS FRAUD </B>or <B>VOICE INITIATED TRANSFER FRAUD
</B>Insuring Agreements;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(v)</TD><TD STYLE="text-align: justify">loss resulting directly or indirectly by the Insured having transferred or delivered Funds, Certificated
Securities or Uncertificated Securities in reliance on an instruction received through a Telefacsimile Device, unless covered under
the <B>TELEFACSIMILE TRANSFER FRAUD </B>Insuring Agreement;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(vi)</TD><TD STYLE="text-align: justify">loss resulting directly or indirectly from theft of confidential information;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(vii)</TD><TD STYLE="text-align: justify">loss resulting directly or indirectly from the assumption of liability by the Insured by contract
unless the liability arises from a loss covered by this rider and would be imposed on the Insured regardless of the existence of
the contract;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(viii)</TD><TD STYLE="text-align: justify">the cost of duplication of Electronic Data or Computer Programs, unless covered under the <B>DESTRUCTION
OF DATA OR PROGRAMS BY HACKER </B>or <B>DESTRUCTION OF DATA OR PROGRAMS BY VIRUS </B>Insuring Agreements;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(ix)</TD><TD STYLE="text-align: justify">loss involving a Voice Computer System, unless covered under the <B>VOICE COMPUTER SYSTEM FRAUD
</B>Insuring Agreement;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(x)</TD><TD STYLE="text-align: justify">loss resulting directly or indirectly from:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(1)</TD><TD>written instructions or advices, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(2)</TD><TD>telegraphic or cable instructions or advices;</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 15.55pt 0 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>END 008</I></B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I></I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 11pt">135055 (12/19)</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 11pt">11</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>&nbsp;</I></B></P>



<P STYLE="margin: 0"></P>

<!-- Field: Page; Sequence: 49 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>8</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center">(Continued)</P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>&nbsp;</I></B></P>


<P STYLE="font: 11pt Univers ATT; margin: 5.05pt 63.9pt 0 120pt">unless the instructions or advices are Tested and the loss is
covered under the <B>COMPUTER SYSTEMS FRAUD </B>or <B>DATA PROCESSING <FONT STYLE="letter-spacing: -0.15pt">SERVICE </FONT>OPERATIONS
</B>Insuring Agreements;</P>

<P STYLE="font: 9.5pt Univers ATT; margin: 0.4pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 84pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="letter-spacing: -0.05pt">(xi)</FONT></TD><TD STYLE="padding-right: 64.2pt">loss resulting directly or indirectly from negotiable instruments, securities, documents or other
written instruments which bear a forged signature, or are counterfeit, altered or otherwise fraudulent and which are used as source
documentation in the preparation of Electronic Data or manually keyed into a data terminal;</TD></TR></TABLE>

<P STYLE="font: 9.5pt Univers ATT; margin: 0.5pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 84.15pt"></TD><TD STYLE="width: 35.9pt"><FONT STYLE="letter-spacing: -0.05pt">(xii)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.15pt">loss resulting directly or indirectly from the fraudulent preparation,
or fraudulent modification of Computer Programs unless covered under the <B>COMPUTER SYSTEMS FRAUD </B>or <B>DATA PROCESSING SERVICE
OPERATIONS </B>Insuring Agreements;</TD></TR></TABLE>

<P STYLE="font: 9.5pt Univers ATT; margin: 0.45pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/13.35pt Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 84pt"></TD><TD STYLE="width: 35.9pt"><FONT STYLE="letter-spacing: -0.05pt">(xiii)</FONT></TD><TD>loss resulting directly <FONT STYLE="letter-spacing: -0.15pt">or </FONT>indirectly from:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 120.05pt"></TD><TD STYLE="width: 17.85pt"><FONT STYLE="letter-spacing: -0.2pt">(a)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.4pt">mechanical failure, faulty construction, error in design, latent defect,
fire, wear <FONT STYLE="letter-spacing: -0.15pt">or </FONT>tear, gradual deterioration, electrical disturbance or electrical surge
which affects a Computer System; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/13.3pt Univers ATT; margin-top: 0.05pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 120.1pt"></TD><TD STYLE="width: 17.8pt"><FONT STYLE="letter-spacing: -0.2pt">(b)</FONT></TD><TD>failure or breakdown of electronic data processing media; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/13.3pt Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 120.1pt"></TD><TD STYLE="width: 17.8pt"><FONT STYLE="letter-spacing: -0.2pt">(c)</FONT></TD><TD>error or omission in programming or processing;</TD></TR></TABLE>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 84pt"></TD><TD STYLE="width: 35.85pt"><FONT STYLE="letter-spacing: -0.05pt">(xiv)</FONT></TD><TD>loss as a result of a threat to Computer System operations;</TD></TR></TABLE>

<P STYLE="font: 9.5pt Univers ATT; margin: 0.4pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 84.05pt"></TD><TD STYLE="width: 35.85pt"><FONT STYLE="letter-spacing: -0.05pt">(xv)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.4pt">loss resulting directly <FONT STYLE="letter-spacing: -0.15pt">or </FONT>indirectly
from the use of a telephone credit, debit, charge, identification or similar card to gain access to the Insured&rsquo;s Voice Computer
System;</TD></TR></TABLE>

<P STYLE="font: 9.5pt Univers ATT; margin: 0.5pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 84.05pt"></TD><TD STYLE="width: 35.85pt"><FONT STYLE="letter-spacing: -0.05pt">(xvi)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.3pt">loss resulting directly or indirectly from the input of Electronic Data
into a Computer System terminal device either on the premises of a customer of the Insured or under the control of such customer
by a person who had authorized access to the customer&rsquo;s authentication mechanism.</TD></TR></TABLE>

<P STYLE="font: 9.5pt Univers ATT; margin: 0.45pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 84.05pt"></TD><TD STYLE="width: 35.8pt"><FONT STYLE="letter-spacing: -0.05pt">(xvii)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.25pt">loss resulting directly <FONT STYLE="letter-spacing: -0.15pt">or </FONT>indirectly
from payments made or withdrawals from a depositor&rsquo;s account involving items of deposit which are not finally paid for any
reason;</TD></TR></TABLE>

<P STYLE="font: 9.5pt Univers ATT; margin: 0.4pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 84.15pt"></TD><TD STYLE="width: 35.9pt"><FONT STYLE="letter-spacing: -0.05pt">(xviii)</FONT></TD><TD>loss of potential income, including but not limited to interest and dividends;</TD></TR></TABLE>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 14.5pt Univers ATT; margin: 0.55pt 0 0">&nbsp;</P>

<P STYLE="font: 11pt/13.35pt Univers ATT; margin: 5.05pt 15.55pt 0 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="text-align: center; margin-top: 0; font: 14pt Univers ATT,sans-serif; margin-bottom: 0"><FONT STYLE="font-size: 11pt"><B><I>END
008</I></B></FONT></P>

<P STYLE="font: 14pt Univers ATT,sans-serif; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="font: 14pt Univers ATT,sans-serif; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="font: 14pt Univers ATT,sans-serif; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 11pt"></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 11pt">135055 (12/19)</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 11pt">12</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 14pt Univers ATT,sans-serif; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="font: 14pt Univers ATT,sans-serif; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="margin: 0"></P>

<!-- Field: Page; Sequence: 50 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>8</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center">(Continued)</P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>&nbsp;</I></B></P>


<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 5.05pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 84.05pt"></TD><TD STYLE="width: 35.85pt"><FONT STYLE="letter-spacing: -0.05pt">(xix)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.3pt">loss of any type for which the Insured is legally liable, except compensatory
damages, but not multiples thereof, arising directly from a loss covered under this policy;</TD></TR></TABLE>

<P STYLE="font: 9.5pt Univers ATT; margin: 0.4pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 84pt"></TD><TD STYLE="width: 35.8pt"><FONT STYLE="letter-spacing: -0.05pt">(xx)</FONT></TD><TD>any fees, costs and expenses incurred by the Insured;</TD></TR></TABLE>

<P STYLE="font: 9.5pt Univers ATT; margin: 0.5pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 84pt"></TD><TD STYLE="width: 35.85pt"><FONT STYLE="letter-spacing: -0.05pt">(xxi)</FONT></TD><TD>indirect or consequential loss of any nature;</TD></TR></TABLE>

<P STYLE="font: 9.5pt Univers ATT; margin: 0.4pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 84.05pt"></TD><TD STYLE="width: 35.9pt"><FONT STYLE="letter-spacing: -0.05pt">(xxii)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.25pt">loss involving automated mechanical devices which on behalf of the Insured,
disburse money, accept deposits, cash checks, drafts or similar written instruments, or make credit card loans;</TD></TR></TABLE>

<P STYLE="font: 9.5pt Univers ATT; margin: 0.5pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 84pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="letter-spacing: -0.05pt">(xxiii)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.35pt">loss due to riot or civil commotion or loss due to military, naval or usurped
power, war <FONT STYLE="letter-spacing: -0.15pt">or</FONT> insurrection;</TD></TR></TABLE>

<P STYLE="font: 9.5pt Univers ATT; margin: 0.45pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 84.05pt"></TD><TD STYLE="width: 35.85pt"><FONT STYLE="letter-spacing: -0.05pt">(xxiv)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.3pt">loss resulting directly or indirectly from the effects of nuclear fission
or fusion or radioactivity; provided, however, that this exclusion shall not apply to loss resulting from industrial uses of nuclear
energy;</TD></TR></TABLE>

<P STYLE="font: 9.5pt Univers ATT; margin: 0.4pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/13.35pt Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 84pt"></TD><TD STYLE="width: 35.9pt"><FONT STYLE="letter-spacing: -0.05pt">(xxv)</FONT></TD><TD>loss as a result of a threat:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/13.35pt Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 120pt"></TD><TD STYLE="width: 35.95pt"><FONT STYLE="letter-spacing: -0.15pt">(1)</FONT></TD><TD>to do bodily harm to any person;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 0.05pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 120pt"></TD><TD STYLE="width: 35.95pt"><FONT STYLE="letter-spacing: -0.15pt">(2)</FONT></TD><TD>to do damage to the premises or property of the Insured; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 0.05pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 120pt"></TD><TD STYLE="width: 35.95pt"><FONT STYLE="letter-spacing: -0.15pt">(3)</FONT></TD><TD>to Computer Systems operations.</TD></TR></TABLE>

<P STYLE="font: 9.5pt Univers ATT; margin: 0.25pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 0.05pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 48.05pt"></TD><TD STYLE="width: 17.85pt"><FONT STYLE="letter-spacing: -0.15pt">9.</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.1pt">Solely for the coverage provided by this rider, Section 4. LOSS &ndash;
NOTICE - PROOF &ndash; LEGAL PROCEEDINGS of the CONDITIONS AND LIMITATIONS of the bond is hereby amended by adding the following
to the end thereof:</TD></TR></TABLE>

<P STYLE="font: 11pt Univers ATT; margin: 6.15pt 0 0 84pt">It is further understood and agreed that:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 5.95pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 84.05pt"></TD><TD STYLE="width: 35.9pt"><FONT STYLE="letter-spacing: -0.05pt">(i)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.3pt">Proof of loss for claim under the Voice Initiated Transfer Fraud Insuring
Agreement must include electronic recordings of such voice instructions and the verification call-back, if such call-back was required;
and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 6.05pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 84.05pt"></TD><TD STYLE="width: 35.85pt"><FONT STYLE="letter-spacing: -0.05pt">(ii)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.35pt">Proof of loss for claim under the Telefacsimile Transfer Fraud Insuring
Agreement must include a copy of the document reproduced by the Telefacsimile Device.</TD></TR></TABLE>

<P STYLE="font: 11pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Univers ATT; margin: 0 0 0 81.1pt">ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS REMAIN UNCHANGED.</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt/13.35pt Univers ATT; margin: 5.05pt 15.55pt 0 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 14pt/16.85pt Univers ATT; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>END 008</I></B></P>

<P STYLE="font: 14pt/16.85pt Univers ATT; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 14pt/16.85pt Univers ATT; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 14pt/16.85pt Univers ATT; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I></I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 11pt">135055 (12/19)</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 11pt">13</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 14pt/16.85pt Univers ATT; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<!-- Field: Page; Sequence: 51 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>9</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"></P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>&nbsp;</I></B></P>


<P STYLE="font: 11pt Univers ATT; margin: 5.05pt 20.05pt 0 3.85pt; text-align: center"><B>AUTOMATED PHONE SYSTEMS</B></P>

<P STYLE="font: 10pt Univers ATT; margin: 0.2pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 11pt Univers ATT; margin: 0.05pt 0 0 47.95pt">It is agreed that:</P>

<P STYLE="font: 4.5pt Univers ATT; margin: 0.05pt 0 0">&nbsp;</P>

<P STYLE="font: 11pt Univers ATT; margin: 5.05pt 0 0 47.95pt">1. The attached bond is amended by adding an Insuring Agreement (L)
as follows:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 10.65pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66.1pt"></TD><TD STYLE="width: 16.8pt"><FONT STYLE="letter-spacing: -0.2pt">(L)</FONT></TD><TD>AUTOMATED PHONE SYSTEMS</TD></TR></TABLE>

<P STYLE="font: 11pt/90% Univers ATT; margin: 5.7pt 64.15pt 0 65.95pt; text-align: justify; text-indent: 0.25in">Loss caused by
an Automated Phone System (&ldquo;APS&rdquo;) Transaction, where the request for such APS Transaction is unauthorized or fraudulent
and is made with the manifest intent to deceive; provided, that the entity which receives such request generally maintains and
follows during the Bond Period all APS Designated Procedures with respect to APS Transactions. The unintentional isolated failure
of such entity to maintain and follow a particular APS Designated Procedure in a particular instance shall not preclude coverage
under this Insuring Agreement, subject to the exclusions herein and in the Bond.</P>

<P STYLE="font: 11pt/90% Univers ATT; margin: 5.65pt 64.35pt 0 66pt; text-indent: 17.95pt"><FONT STYLE="letter-spacing: -0.15pt">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Definitions.</U>
The following terms used in this Insuring Agreement shall have the following meanings:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 4.85pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 84.1pt"></TD><TD STYLE="width: 13.1pt"><FONT STYLE="letter-spacing: -0.2pt">a.</FONT></TD><TD>&ldquo;APS Transaction&rdquo; means any APS Redemption, APS Exchange or APS Election.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Univers ATT; margin-top: 5.55pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 84pt"></TD><TD STYLE="width: 15.75pt"><FONT STYLE="letter-spacing: -0.2pt">b.</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.15pt">&ldquo;APS Redemption&rdquo; means any redemption of shares issued by an
Investment Company which is requested over the telephone by means of information transmitted by an individual caller through use
of a telephone keypad.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Univers ATT; margin-top: 5.9pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 84pt"></TD><TD STYLE="width: 13.55pt"><FONT STYLE="letter-spacing: -0.2pt">c.</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.45pt">&ldquo;APS Election&rdquo; means any election concerning dividend options
available to fund shareholders which is made over the telephone by means of information transmitted by an individual caller through
use of a telephone keypad.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Univers ATT; margin-top: 5.85pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 84pt"></TD><TD STYLE="width: 14.7pt"><FONT STYLE="letter-spacing: -0.2pt">d.</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.35pt">&ldquo;APS Exchange&rdquo; means any exchange of shares in a registered
account of one fund into shares in an identically registered account of another fund in the same complex pursuant to exchange privileges
of the two funds, which exchange is requested over the telephone by means of information transmitted by an individual caller through
use of a telephone keypad.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 4.85pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 84.1pt"></TD><TD STYLE="width: 13.1pt"><FONT STYLE="letter-spacing: -0.2pt">e.</FONT></TD><TD>&ldquo;APS Designated Procedures&rdquo; means all of the following procedures:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Univers ATT; margin-top: 5.7pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 106.2pt"></TD><TD STYLE="width: 15.85pt"><FONT STYLE="letter-spacing: -0.15pt">(1)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.25pt">Election in Application: No APS Redemption shall be executed unless the
shareholder to whose account such an APS Redemption relates has previously elected by official designation to permit such APS Redemption.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Univers ATT; margin-top: 5.9pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 111.9pt"></TD><TD STYLE="width: 13pt"><FONT STYLE="letter-spacing: -0.15pt">(2)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.35pt">Logging: All APS Transaction requests shall be logged or otherwise recorded,
so as to preserve all <FONT STYLE="letter-spacing: -0.15pt">of </FONT>the information transmitted by an individual caller through
use of a telephone keypad in the course of such a request, and the records shall be retained for at least six months.</TD></TR></TABLE>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Univers ATT; margin: 0.15pt 0 0">&nbsp;</P>

<P STYLE="font: 11pt/13.35pt Univers ATT; margin: 5.05pt 15.55pt 0 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 14pt/16.85pt Univers ATT; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>END 009</I></B></P>

<P STYLE="font: 14pt/16.85pt Univers ATT; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 14pt/16.85pt Univers ATT; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I></I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 11pt">132769 (05/19)</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 11pt">1</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 14pt/16.85pt Univers ATT; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<!-- Field: Page; Sequence: 52 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>9</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center">(Continued)</P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>&nbsp;</I></B></P>


<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Univers ATT; margin-top: 6.1pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 120.35pt"></TD><TD STYLE="width: 17.8pt"><FONT STYLE="letter-spacing: -0.2pt">(a)</FONT></TD><TD STYLE="padding-right: 64.3pt">Information contained in the records shall <FONT STYLE="letter-spacing: -0.15pt">be </FONT>capable
of being retrieved through the following methods:</TD></TR></TABLE>

<P STYLE="font: 11pt Univers ATT; margin: 4.85pt 0 0 155.95pt"><I>Procedures normally used by the Insured</I></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Univers ATT; margin-top: 5.6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 120pt"></TD><TD STYLE="width: 17.85pt"><FONT STYLE="letter-spacing: -0.2pt">(b)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.15pt">Information contained in the records shall be capable of being retrieved
and produced within a reasonable time after retrieval of specific information is requested, at a success rate of no less than 85
percent.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Univers ATT; margin-top: 5.85pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 102pt"></TD><TD STYLE="width: 17.85pt"><FONT STYLE="letter-spacing: -0.15pt">(3)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.25pt">Identity Test: The identity of the caller in any request for an APS Transaction
shall <FONT STYLE="letter-spacing: -0.15pt">be </FONT>tested before execution of that APS Transaction by requiring the entry by
the caller <FONT STYLE="letter-spacing: -0.15pt">of </FONT>a confidential personal identification number (&ldquo;PIN&rdquo;).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Univers ATT; margin-top: 5.95pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 120.8pt"></TD><TD STYLE="width: 17.55pt"><FONT STYLE="letter-spacing: -0.2pt">(a)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.2pt">Limited attempts to enter PIN: If the caller fails to enter a correct PIN
within three attempts, the caller must not be allowed additional attempts during the same (telephone call/twenty-four hour day)
to enter the PIN.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Univers ATT; margin-top: 5.9pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 104.5pt"></TD><TD STYLE="width: 16.7pt"><FONT STYLE="letter-spacing: -0.15pt">(4)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.3pt">Written Confirmation: A written confirmation of any APS Transaction shall
be mailed to the shareholder(s) to whose account such APS Transaction relates, at the original record address, by the end of the
Insured's next regular processing cycle, but in <FONT STYLE="letter-spacing: -0.15pt">no </FONT>event later than five business
days following such APS Transaction.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Univers ATT; margin-top: 5.8pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 107.2pt"></TD><TD STYLE="width: 15.35pt"><FONT STYLE="letter-spacing: -0.15pt">(5)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.2pt">Access to APS Equipment: Access to the equipment which permits the entity
receiving the APS Transaction request to process and effect the transaction shall <FONT STYLE="letter-spacing: -0.15pt">be </FONT>limited
in the following manner:</TD></TR></TABLE>

<P STYLE="font: 11pt Univers ATT; margin: 4.8pt 0 0 137.95pt"><I>Procedures normally used by the Insured</I></P>

<P STYLE="font: 11pt/90% Univers ATT; margin: 5.65pt 64.3pt 0 66pt; text-indent: 17.95pt"><FONT STYLE="letter-spacing: -0.15pt">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Exclusions.</U>
It is further understood and agreed that this extension shall not cover:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 4.85pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 84.1pt"></TD><TD STYLE="width: 13.1pt"><FONT STYLE="letter-spacing: -0.2pt">a.</FONT></TD><TD>any loss covered under Insuring Agreement (A), FIDELITY, of this Bond;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 4.65pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 84.1pt"></TD><TD STYLE="width: 13.5pt"><FONT STYLE="letter-spacing: -0.2pt">b.</FONT></TD><TD>any loss resulting from:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Univers ATT; margin-top: 5.7pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 103.1pt"></TD><TD STYLE="width: 17.4pt"><FONT STYLE="letter-spacing: -0.15pt">(1)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.4pt">the redemption of shares, where the proceeds of such redemption are made
payable to other than</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 4.85pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 120.05pt"></TD><TD STYLE="width: 17.85pt"><FONT STYLE="letter-spacing: -0.05pt">(i)</FONT></TD><TD>the shareholder <FONT STYLE="letter-spacing: -0.15pt">of </FONT>record; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 4.6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 120.05pt"></TD><TD STYLE="width: 17.8pt"><FONT STYLE="letter-spacing: -0.05pt">(ii)</FONT></TD><TD>a person officially designated to receive redemption proceeds; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 4.6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 120.05pt"></TD><TD STYLE="width: 18.8pt"><FONT STYLE="letter-spacing: -0.05pt">(iii)</FONT></TD><TD>a bank account officially designated to receive redemption proceeds; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Univers ATT; margin-top: 5.7pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 103.75pt"></TD><TD STYLE="width: 17.1pt"><FONT STYLE="letter-spacing: -0.15pt">(2)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.4pt">the redemption of shares, where the proceeds of such redemption are paid
by check mailed to any address, unless such address has either been</TD></TR></TABLE>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 14pt Univers ATT; margin: 0.3pt 0 0"></P>

<P STYLE="font: 11pt/13.35pt Univers ATT; margin: 5.05pt 15.55pt 0 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 14pt/16.85pt Univers ATT; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>END 009</I></B></P>

<P STYLE="font: 14pt/16.85pt Univers ATT; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 14pt/16.85pt Univers ATT; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 14pt/16.85pt Univers ATT; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I></I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 11pt">132769 (05/19)</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 11pt">2</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 14pt/16.85pt Univers ATT; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<!-- Field: Page; Sequence: 53 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>9</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center">(Continued)</P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>&nbsp;</I></B></P>


<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Univers ATT; margin-top: 6.1pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 120.05pt"></TD><TD STYLE="width: 17.85pt"><FONT STYLE="letter-spacing: -0.05pt">(i)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.3pt">designated by voice over the telephone or in writing without a signature
guarantee, in either case at least thirty (30) days prior to such redemption; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 4.8pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 120.1pt"></TD><TD STYLE="width: 17.8pt"><FONT STYLE="letter-spacing: -0.05pt">(ii)</FONT></TD><TD>officially designated; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Univers ATT; margin-top: 5.6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 120.05pt"></TD><TD STYLE="width: 17.85pt"><FONT STYLE="letter-spacing: -0.05pt">(iii)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.3pt">verified by any other procedures which may be normally used by the Insured;
or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Univers ATT; margin-top: 5.9pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 103.75pt"></TD><TD STYLE="width: 17.1pt"><FONT STYLE="letter-spacing: -0.15pt">(3)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.3pt">the redemption of shares, where the proceeds of such redemption are paid
by wire transfer to other than the shareholder's officially Designated bank account; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 4.95pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 102.1pt"></TD><TD STYLE="width: 17.65pt"><FONT STYLE="letter-spacing: -0.15pt">(4)</FONT></TD><TD>the intentional failure to adhere to one or more APS Designated Procedures.</TD></TR></TABLE>

<P STYLE="font: 11pt/90% Univers ATT; margin: 11.65pt 64.3pt 0 66pt; text-align: justify; text-indent: -0.25in">2. Nothing herein
contained shall be held to vary, alter, waive, or extend any <FONT STYLE="letter-spacing: -0.15pt">of </FONT>the terms, limitations,
conditions or agreements of the attached bond other than as above stated.</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

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<P STYLE="font: 10pt Univers ATT; margin: 0.5pt 0 0"></P>

<P STYLE="text-align: right; margin: 0"><IMG SRC="image_042.jpg" ALT="" STYLE="width: 127px; height: 58px"></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 2pt Univers ATT; margin: 0.3pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt/1pt Univers ATT; margin: 0 0 0 386pt">&nbsp;</P>

<P STYLE="font: 11pt Univers ATT; margin: 1pt 19.65pt 0 0; text-align: right">AUTHORIZED REPRESENTATIVE</P>

<P STYLE="font: 11pt/13.35pt Univers ATT; margin: 0.05pt 15.55pt 0 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 14pt/16.85pt Univers ATT; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>END 009</I></B></P>

<P STYLE="font: 14pt/16.85pt Univers ATT; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 14pt/16.85pt Univers ATT; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I></I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 11pt">132769 (05/19)</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 11pt">3</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 14pt/16.85pt Univers ATT; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I></I></B></P>

<P STYLE="font: 14pt/16.85pt Univers ATT; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>10</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center">(Continued)</P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>&nbsp;</I></B></P>


<P STYLE="font: 11pt Univers ATT; margin: 5.05pt 20pt 0 3.85pt; text-align: center"><B>AUTOMATIC COVERAGE RIDER</B></P>

<P STYLE="font: 11pt Univers ATT; margin: 0.1pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 11pt Univers ATT; margin: 0 0 0 48pt">It is agreed that:</P>

<P STYLE="font: 5.5pt Univers ATT; margin: 0.2pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 5.05pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 48.05pt"></TD><TD STYLE="width: 17.85pt"><FONT STYLE="letter-spacing: -0.15pt">1.</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.35pt">If the Insured shall, while this bond is in force, establish any new funds
other than by consolidation or merger with, purchase or acquisition of assets or liabilities of, another institution, such funds
shall automatically be covered hereunder from the date of such establishment without the payment of additional premium for the
remainder of the premium period.</TD></TR></TABLE>

<P STYLE="font: 9.5pt Univers ATT; margin: 0.5pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 48.05pt"></TD><TD STYLE="width: 17.85pt"><FONT STYLE="letter-spacing: -0.15pt">2.</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.25pt">If the Insured shall, while this bond is in force, require an increase
in limits to comply with SEC Rule 17g-1 due to an increase in asset size of current funds insured under this bond or by the addition
of new funds, such increase in limits shall automatically be covered hereunder from the date of such increase without the payment
of additional premium for the remainder of the premium period.</TD></TR></TABLE>

<P STYLE="font: 9.5pt Univers ATT; margin: 0.4pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 48.05pt"></TD><TD STYLE="width: 17.85pt"><FONT STYLE="letter-spacing: -0.15pt">3.</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.45pt">Nothing herein contained shall be held to vary, alter, waive or extend
any of the terms, limitations, conditions or agreements <FONT STYLE="letter-spacing: -0.15pt">of </FONT>the attached bond other
than as above stated.</TD></TR></TABLE>

<P STYLE="font: 9.5pt Univers ATT; margin: 0.45pt 0 0">&nbsp;</P>

<P STYLE="font: 11pt Univers ATT; margin: 0 0 0 81.1pt">ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS REMAIN UNCHANGED.</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

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<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0"></P>

<P STYLE="text-align: right; margin: 0"><IMG SRC="image_044.jpg" ALT="" STYLE="width: 127px; height: 58px"></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 2pt Univers ATT; margin: 0.3pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt/1pt Univers ATT; margin: 0 0 0 386pt">&nbsp;</P>

<P STYLE="font: 11pt Univers ATT; margin: 1pt 19.65pt 0 0; text-align: right">AUTHORIZED REPRESENTATIVE</P>

<P STYLE="font: 11pt/13.35pt Univers ATT; margin: 0.05pt 15.55pt 0 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 14pt/16.85pt Z@R5D9.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>END 010</I></B></P>

<P STYLE="font: 14pt/16.85pt Z@R5D9.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 14pt/16.85pt Z@R5D9.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I></I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 11pt">138539 (07/20)</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 11pt">1</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 14pt/16.85pt Z@R5D9.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 14pt/16.85pt Z@R5D9.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="margin: 0"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>11</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"></P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>&nbsp;</I></B></P>




<P STYLE="font: 11pt Z@R85D.tmp,sans-serif; margin: 5.05pt 0 0 185.95pt"><B>AMEND SECTION 13. TERMINATION</B></P>

<P STYLE="font: 11pt Z@R85D.tmp,sans-serif; margin: 0.1pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 11pt Z@R85D.tmp,sans-serif; margin: 0 0 0 100.2pt"><B>(90 DAYS; POST-DISCOVERY DISHONEST EMPLOYEE OBLIGATIONS)</B></P>

<P STYLE="font: 11pt Z@R85D.tmp,sans-serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 11pt Z@R94A.tmp,sans-serif; margin: 0 0 0 47.95pt">It is agreed that:</P>

<P STYLE="font: 10.5pt Z@R94A.tmp,sans-serif; margin: 0.5pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/100% Z@R94A.tmp,sans-serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 48pt"></TD><TD STYLE="width: 17.9pt"><FONT STYLE="letter-spacing: -1.6pt">1.</FONT></TD><TD STYLE="padding-right: 64.4pt">The attached bond is hereby amended by deleting Section 13. TERMINATION in its entirety and replacing
it with the following:</TD></TR></TABLE>

<P STYLE="font: 10.5pt Z@R94A.tmp,sans-serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 11pt Z@R94A.tmp,sans-serif; margin: 0 0 0 83.95pt">SECTION 13. TERMINATION</P>

<P STYLE="font: 11pt Z@R94A.tmp,sans-serif; margin: 6.1pt 64.2pt 0 83.95pt; text-align: justify; text-indent: 0.25in">The Underwriter
may terminate this bond as an entirety by furnishing written notice specifying the termination date which cannot be prior to 90
days after the receipt of such written notice by each Investment Company named as Insured and the Securities and Exchange Commission,
Washington, DC. The Insured may terminate this bond as an entirety by furnishing written notice to the Underwriter. When the Insured
cancels, the Insured shall furnish written notice to the Securities and Exchange Commission, Washington, DC prior to 90 days before
the effective date of termination. The Underwriter shall notify all other Investment Companies named as Insured of the receipt
of such termination notice and the termination cannot be effective prior to 90 days after receipt of written notice by all other
Investment Companies. Premiums are earned until the termination date as set forth herein.</P>

<P STYLE="font: 11pt Z@R94A.tmp,sans-serif; margin: 6pt 64.3pt 0 83.95pt; text-align: justify; text-indent: 0.25in">This bond will
terminate as to any one Insured, (other than a registered management investment company), immediately upon taking over of such
Insured by a receiver or other liquidator or by State or Federal officials, or immediately upon the filing of a petition under
any State or Federal statute relative to bankruptcy or reorganization of the Insured, or assignment for the benefit of creditors
of the Insured, or immediately upon such Insured ceasing to exist, whether through merger into another entity, or by disposition
of all of its assets.</P>

<P STYLE="font: 11pt Z@R94A.tmp,sans-serif; margin: 5.95pt 64.4pt 0 83.95pt; text-align: justify; text-indent: 0.25in">This bond
will terminate as to any registered management investment company upon the expiration of 90 days after written notice has been
given to the Securities and Exchange Commission, Washington, DC.</P>

<P STYLE="font: 11pt Z@R94A.tmp,sans-serif; margin: 5.9pt 64.35pt 0 83.95pt; text-align: justify; text-indent: 0.25in">The Underwriter
shall refund the unearned premium computed at short rates in accordance with the standard short rate cancellation tables if terminated
by the Insured or pro rata if terminated for any other reason.</P>

<P STYLE="font: 10pt Z@R94A.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@R94A.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@R94A.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 9pt Z@R94A.tmp,sans-serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 11pt/13.35pt Z@R94A.tmp,sans-serif; margin: 5.05pt 15.55pt 0 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 14pt/16.85pt Z@R5D9.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>END 011</I></B></P>

<P STYLE="font: 14pt/16.85pt Z@R5D9.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 14pt/16.85pt Z@R5D9.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I></I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 11pt">132768 (05/19)</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 11pt">1</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 14pt/16.85pt Z@R5D9.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>11</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center">(Continued)</P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>&nbsp;</I></B></P>


<P STYLE="font: 11pt Z@R94A.tmp,sans-serif; margin: 5.05pt 0 0 101.95pt">This bond shall terminate:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Z@R94A.tmp,sans-serif; margin-top: 5.95pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 102pt"></TD><TD STYLE="width: 17.9pt"><FONT STYLE="letter-spacing: -0.2pt">a.</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.15pt">as to any Employee as soon as any partner, officer or supervisory Employee
of the Insured, who is not in collusion with such Employee, shall learn of any dishonest or fraudulent act(s), including Larceny
or Embezzlement, on the part <FONT STYLE="letter-spacing: -0.15pt">of </FONT>such Employee without prejudice to the loss of any
Property then in transit in the custody of such Employee and upon the expiration of 90 days after written notice has been given
to the Securities and Exchange Commission, Washington, DC (see Section 16(d)) and to the Insured Investment Company; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Z@R94A.tmp,sans-serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 102.1pt"></TD><TD STYLE="width: 17.9pt"><FONT STYLE="letter-spacing: -0.2pt">b.</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.2pt">as to <FONT STYLE="letter-spacing: -0.15pt">any </FONT>Employee 90 days
after receipt by each Insured and by the Securities and Exchange Commission of a written notice from the Underwriter of its desire
to terminate this bond as to such Employee; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Z@R94A.tmp,sans-serif; margin-top: 6.1pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 102pt"></TD><TD STYLE="width: 17.9pt"><FONT STYLE="letter-spacing: -0.2pt">c.</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.2pt">as to any person, who is a partner, officer or employee of any electronic
data processor covered under this bond, from and after the time that the Insured or any partner or officer thereof not in collusion
with such person shall have knowledge or information that such person <FONT STYLE="letter-spacing: -0.15pt">has </FONT>committed
any dishonest or fraudulent act(s), including Larceny or Embezzlement, in the service <FONT STYLE="letter-spacing: -0.15pt">of
</FONT>the Insured or otherwise, whether such <FONT STYLE="letter-spacing: -0.1pt">act </FONT>be committed before or after the
time this bond is effective and upon the expiration of 90 days after written notice has been given by the Underwriter to the Securities
and Exchange Commission, Washington, DC and to the insured Investment Company.</TD></TR></TABLE>

<P STYLE="font: 11pt Z@R94A.tmp,sans-serif; margin: 0.05pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Z@R94A.tmp,sans-serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 48pt"></TD><TD STYLE="width: 17.9pt"><FONT STYLE="letter-spacing: -1.6pt">2.</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.35pt">Upon the detection by any Insured that an Employee has committed any dishonest
or fraudulent act(s) or theft, the Insured shall immediately remove such Employee from a position that may enable such Employee
to cause the Insured to suffer a loss by any subsequent dishonest or fraudulent act(s) or theft. The Insured, within forty-eight
(48) hours of such detection, shall notify the Underwriter with full and complete particulars of the detected dishonest or fraudulent
act(s) or theft.</TD></TR></TABLE>

<P STYLE="font: 11pt Z@R94A.tmp,sans-serif; margin: 0.05pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Z@R94A.tmp,sans-serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 48pt"></TD><TD STYLE="width: 17.9pt"><FONT STYLE="letter-spacing: -1.6pt">3.</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.55pt">Nothing herein contained shall be held to vary, alter, waive or extend
any of the terms, limitations, conditions or agreements <FONT STYLE="letter-spacing: -0.15pt">of </FONT>the attached bond other
than as above stated.</TD></TR></TABLE>

<P STYLE="font: 10pt Z@R94A.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@R94A.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0.55pt 0 0"></P>

<P STYLE="text-align: right; margin: 0"><IMG SRC="image_046.jpg" ALT="" STYLE="width: 127px; height: 58px"></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 2pt Z@R94A.tmp,sans-serif; margin: 0.3pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt/1pt Univers ATT; margin: 0 0 0 386pt">&nbsp;</P>

<P STYLE="font: 11pt Z@R94A.tmp,sans-serif; margin: 1pt 19.65pt 0 0; text-align: right">AUTHORIZED REPRESENTATIVE</P>

<P STYLE="font: 11pt/13.35pt Z@R94A.tmp,sans-serif; margin: 0.05pt 15.55pt 0 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 14pt/16.85pt Z@R5D9.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>END 011</I></B></P>

<P STYLE="font: 14pt/16.85pt Z@R5D9.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 14pt/16.85pt Z@R5D9.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I></I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 11pt">132768 (05/19)</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 11pt">2</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 14pt/16.85pt Z@R5D9.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<!-- Field: Page; Sequence: 57 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>12</I></P></TD>
    <TD STYLE="width: 33%"></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>&nbsp;</I></B></P>


<P STYLE="text-align: center; font: 11pt/193% Z@RDD6.tmp,sans-serif; margin-top: 5.05pt; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 11pt"><B>CO-SURETY
RIDER</B></FONT></P>

<P STYLE="text-align: center; font: 11pt/193% Z@RDD6.tmp,sans-serif; margin-top: 5.05pt; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 11pt"><B>(ICBB
VERSION)</B></FONT></P>

<P STYLE="font: 11pt Z@REE2.tmp,sans-serif; margin: 0 0 0 48pt">It is agreed that:</P>

<P STYLE="font: 4.5pt Z@RDD6.tmp,sans-serif; margin: 0.15pt 0 0"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Z@REE2.tmp,sans-serif; margin-top: 6.1pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 48.05pt"></TD><TD STYLE="width: 17.85pt"><FONT STYLE="letter-spacing: -0.15pt">1.</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.3pt">The term &ldquo;Underwriter&rdquo; as used in the attached bond shall be
construed to mean, unless otherwise specified in this rider, all the Companies executing the attached bond.</TD></TR></TABLE>

<P STYLE="font: 9.5pt Z@REE2.tmp,sans-serif; margin: 0.35pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Z@REE2.tmp,sans-serif; margin-top: 0.05pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 48.05pt"></TD><TD STYLE="width: 17.85pt"><FONT STYLE="letter-spacing: -0.15pt">2.</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.05pt">Each of said Companies shall be liable only for such proportion of any
single Loss under the attached bond as the amount underwritten by such Company, as specified in the Schedule forming a part hereof,
bears to the Limit of Liability of the attached bond (as specified in paragraph 11 below), but in no event shall any of said Companies
<FONT STYLE="letter-spacing: -0.15pt">be </FONT>liable for an amount greater than that underwritten by it, including, but not limited
to, in the event of Financial Insolvency <FONT STYLE="letter-spacing: -0.15pt">(as </FONT>defined herein) of another Company.</TD></TR></TABLE>

<P STYLE="font: 9.5pt Z@REE2.tmp,sans-serif; margin: 0.15pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Z@REE2.tmp,sans-serif; margin-top: 0.05pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 48.05pt"></TD><TD STYLE="width: 17.85pt"><FONT STYLE="letter-spacing: -0.15pt">3.</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.3pt">In the absence of a request from any of said Companies to pay premiums directly
to it, premiums for the attached bond may be paid to the Controlling Company for the account of all of said Companies.</TD></TR></TABLE>

<P STYLE="font: 9.5pt Z@REE2.tmp,sans-serif; margin: 0.15pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Z@REE2.tmp,sans-serif; margin-top: 0.05pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 48.05pt"></TD><TD STYLE="width: 17.85pt"><FONT STYLE="letter-spacing: -0.15pt">4.</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.15pt">In the absence of a request from any of said Companies that notice of claim
and proof of loss <FONT STYLE="letter-spacing: -0.15pt">be </FONT>given to or filed directly with it, the giving of such notice
to and the filing of such proof with, the Controlling Company shall be deemed to be in compliance with the conditions of the attached
bond for the giving of notice of loss and the filing of proof of loss, if given and filed in accordance with said conditions.</TD></TR></TABLE>

<P STYLE="font: 9.5pt Z@REE2.tmp,sans-serif; margin: 0.2pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Z@REE2.tmp,sans-serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 48.05pt"></TD><TD STYLE="width: 17.85pt"><FONT STYLE="letter-spacing: -0.15pt">5.</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.3pt">The Controlling Company may give notice in accordance with the terms of
the attached bond, terminating or canceling the attached bond as an entirety <FONT STYLE="letter-spacing: -0.15pt">or </FONT>as
to any Employee, and any notice so given shall terminate or cancel the liability of all <FONT STYLE="letter-spacing: -0.15pt">of
</FONT>said Companies as an entirety or as to such Employee, as the case may <FONT STYLE="letter-spacing: -0.1pt">be.</FONT></TD></TR></TABLE>

<P STYLE="font: 9.5pt Z@REE2.tmp,sans-serif; margin: 0.4pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Z@REE2.tmp,sans-serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 48.05pt"></TD><TD STYLE="width: 17.85pt"><FONT STYLE="letter-spacing: -0.15pt">6.</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.45pt">Any Company other than the Controlling Company may give notice in accordance
with the terms of the attached bond, terminating or canceling the entire liability of such other Company under the attached bond
or as to any Employee.</TD></TR></TABLE>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0"></P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0.4pt 0 0">&nbsp;</P>

<P STYLE="font: 11pt/13.35pt Z@REE2.tmp,sans-serif; margin: 0 15.55pt 0 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 14pt/16.85pt Z@R10DA.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>END 012</I></B></P>

<P STYLE="font: 14pt/16.85pt Z@R10DA.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 14pt/16.85pt Z@R10DA.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 11pt">135445 (02/20)</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 11pt">1</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 14pt/16.85pt Z@R10DA.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I></I></B></P>

<P STYLE="font: 14pt/16.85pt Z@R10DA.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="margin: 0"></P>

<!-- Field: Page; Sequence: 58 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>12</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center">(Continued)</P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>&nbsp;</I></B></P>


<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Z@REE2.tmp,sans-serif; margin-top: 6.1pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 48.05pt"></TD><TD STYLE="width: 17.85pt"><FONT STYLE="letter-spacing: -0.15pt">7.</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.25pt">In the absence of a request from any of said Companies that notice <FONT STYLE="letter-spacing: -0.15pt">of
</FONT>termination or cancellation by the Insured of the attached bond in its entirety be given to <FONT STYLE="letter-spacing: -0.15pt">or
</FONT>filed directly with it, the giving of such notice in accordance with the terms <FONT STYLE="letter-spacing: -0.15pt">of
</FONT>the attached bond to the Controlling Company shall terminate or cancel the liability of all of said Companies as an entirety.
The Insured may terminate or cancel the entire liability of any Company, other than the Controlling Company, under the attached
bond by giving notice of such termination or cancellation to such other Company, and shall send copy of such notice to the Controlling
Company.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Z@REE2.tmp,sans-serif; margin-top: 11.7pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 48.05pt"></TD><TD STYLE="width: 17.85pt"><FONT STYLE="letter-spacing: -0.15pt">8.</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.25pt">In the event of the termination or cancellation of the attached bond as
an entirety, no Company shall be liable to the Insured for a greater proportion <FONT STYLE="letter-spacing: -0.15pt">of </FONT>any
return premium due the Insured than the amount underwritten by such Company bears to the applicable Limit of Liability of the attached
bond.</TD></TR></TABLE>

<P STYLE="font: 9.5pt Z@REE2.tmp,sans-serif; margin: 0.25pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Z@REE2.tmp,sans-serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 48.05pt"></TD><TD STYLE="width: 17.85pt"><FONT STYLE="letter-spacing: -0.15pt">9.</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.3pt">In the event of termination or cancellation of the attached bond as to any
Company, such Company alone shall <FONT STYLE="letter-spacing: -0.15pt">be </FONT>liable to the Insured for any return premium
due the Insured on account of such termination or cancellation. The termination or cancellation of the attached bond as to any
Company other than the Controlling Company shall not terminate, cancel or otherwise affect the liability of the other Companies
under the attached bond.</TD></TR></TABLE>

<P STYLE="font: 9.5pt Z@REE2.tmp,sans-serif; margin: 0.2pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Z@REE2.tmp,sans-serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 48.05pt"></TD><TD STYLE="width: 17.85pt"><FONT STYLE="letter-spacing: -0.15pt">10.</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.25pt">As used herein, &ldquo;Financial Insolvency&rdquo; means the: (a) appointment
by any state or federal official, agency or court of a receiver, conservator, liquidator, trustee, rehabilitator or similar official
to take control of, supervise, manage or liquidate a Company; or (b) the Company becoming a debtor-in-possession pursuant to the
United States bankruptcy law, and as to both (a) or (b), the equivalent status outside the United States of America.</TD></TR></TABLE>

<P STYLE="font: 9.5pt Z@REE2.tmp,sans-serif; margin: 0.2pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Z@REE2.tmp,sans-serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 48.05pt"></TD><TD STYLE="width: 17.85pt"><FONT STYLE="letter-spacing: -0.15pt">11.</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.4pt">This rider shall become effective as of 12:01 AM on May 15, 2020, standard
time as specified in the bond.</TD></TR></TABLE>

<P STYLE="font: 9.5pt Z@REE2.tmp,sans-serif; margin: 0.35pt 0 0">&nbsp;</P>

<P STYLE="font: 11pt/90% Z@REE2.tmp,sans-serif; margin: 0 71.1pt 0 83.95pt">Underwritten for the sum of $15,000,000 Limit of Liability,
part of $50,000,000 Limit of Liability</P>

<P STYLE="font: 9.5pt Z@REE2.tmp,sans-serif; margin: 0.35pt 0 0">&nbsp;</P>

<P STYLE="font: 11pt/90% Univers ATT; margin: 0.05pt 197.75pt 0 83.95pt"></P>

<P STYLE="margin: 0"><IMG SRC="image_008.gif" ALT="" STYLE="width: 245px; height: 63px"></P>

<P STYLE="margin: 0; font-family: Z@REE2.tmp,sans-serif">National Union Fire Insurance Company of Pittsburgh, PA. Controlling Company</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 7.5pt Z@REE2.tmp,sans-serif; margin: 0.3pt 0 0">&nbsp;</P>

<P STYLE="font: 11pt/13.35pt Z@REE2.tmp,sans-serif; margin: 5.05pt 15.55pt 0 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 14pt/16.85pt Z@R10DA.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>END 012</I></B></P>

<P STYLE="font: 14pt/16.85pt Z@R10DA.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 14pt/16.85pt Z@R10DA.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I></I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 11pt">135445 (02/20)</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 11pt">2</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 14pt/16.85pt Z@R10DA.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 14pt/16.85pt Z@R10DA.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="margin: 0"></P>

<!-- Field: Page; Sequence: 59 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>12</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center">(Continued)</P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>&nbsp;</I></B></P>


<P STYLE="font: 11pt/90% Z@REE2.tmp,sans-serif; margin: 6.1pt 71.1pt 0 84pt">Underwritten for the sum of $10,000,000 Limit of Liability,
part of $50,000,000 Limit of Liability</P>

<P STYLE="font: 9.5pt Z@REE2.tmp,sans-serif; margin: 0.45pt 0 0">&nbsp;</P>

<P STYLE="font: 11pt/88% Z@REE2.tmp,sans-serif; margin-top: 0.05pt; margin-bottom: 0; margin-left: 84pt">Berkley Regional Insurance Company<BR>
By: _____________________</P>

<P STYLE="font: 9.5pt Z@REE2.tmp,sans-serif; margin: 0.35pt 0 0"><U>&nbsp;</U></P>

<P STYLE="font: 11pt/90% Z@REE2.tmp,sans-serif; margin: 0.05pt 71.1pt 0 84pt">Underwritten for the sum of $15,000,000 Limit of
Liability, part of $50,000,000 Limit of Liability</P>

<P STYLE="font: 9.5pt Z@REE2.tmp,sans-serif; margin: 0.45pt 0 0">&nbsp;</P>

<P STYLE="font: 11pt/90% Z@REE2.tmp,sans-serif; margin-top: 0; margin-bottom: 0; margin-left: 84pt">United States Fire Insurance Company <BR>
By: _____________________</P>

<P STYLE="font: 9.5pt Z@REE2.tmp,sans-serif; margin: 0.35pt 0 0">&nbsp;</P>

<P STYLE="font: 11pt/90% Z@REE2.tmp,sans-serif; margin: 0.05pt 71.1pt 0 84pt">Underwritten for the sum of $10,000,000 Limit of
Liability, part of $50,000,000 Limit of Liability</P>

<P STYLE="font: 9.5pt Z@REE2.tmp,sans-serif; margin: 0.35pt 0 0">&nbsp;</P>

<P STYLE="font: 11pt/90% Z@REE2.tmp,sans-serif; margin-top: 0; margin-bottom: 0; margin-left: 84pt">U.S. Specialty Insurance Company <BR>
By: _____________________</P>

<P STYLE="font: 9.5pt Z@REE2.tmp,sans-serif; margin: 0.35pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Z@REE2.tmp,sans-serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 48pt"></TD><TD STYLE="width: 17.9pt"><FONT STYLE="letter-spacing: -0.15pt">12.</FONT></TD><TD STYLE="padding-right: 64.5pt">Nothing contained here shall be held to vary, alter, waive or extend any of the terms, limitations,
conditions, or agreements of the attached bond other than as above stated.</TD></TR></TABLE>

<P STYLE="font: 11pt Z@REE2.tmp,sans-serif; margin: 10.85pt 0 0 81.1pt">ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS REMAIN UNCHANGED.</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0"></P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="text-align: right; font: 10pt Univers ATT; margin: 0.05pt 0 0"></P>

<P STYLE="text-align: right; margin: 0"><IMG SRC="image_049.jpg" ALT="" STYLE="width: 127px; height: 58px"></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 2pt Z@REE2.tmp,sans-serif; margin: 0.3pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt/1pt Univers ATT; margin: 0 0 0 386pt">&nbsp;</P>

<P STYLE="font: 11pt Z@REE2.tmp,sans-serif; margin: 1pt 19.65pt 0 0; text-align: right">AUTHORIZED REPRESENTATIVE</P>

<P STYLE="font: 11pt/13.35pt Z@REE2.tmp,sans-serif; margin: 0.05pt 15.55pt 0 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 14pt/16.85pt Z@R10DA.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>END 012</I></B></P>

<P STYLE="font: 14pt/16.85pt Z@R10DA.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 14pt/16.85pt Z@R10DA.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I></I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 11pt">135445 (02/20)</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 11pt">3</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 14pt/16.85pt Z@R10DA.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I></I></B></P>

<P STYLE="font: 14pt/16.85pt Z@R10DA.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="margin: 0"></P>

<!-- Field: Page; Sequence: 60 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>13</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"></P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>&nbsp;</I></B></P>


<P STYLE="font: 10pt/11.8pt Univers ATT; margin: 2pt 20.9pt 0 3.85pt; text-align: center"><FONT STYLE="font-size: 11pt">NOTICE
OF CLAIM</FONT></P>

<P STYLE="font: 10pt/11.8pt Univers ATT; margin: 0 20.1pt 0 3.85pt; text-align: center"><FONT STYLE="font-size: 11pt">(REPORTING
BY E- MAIL)</FONT></P>

<P STYLE="font: 6.5pt Univers ATT; margin: 0.35pt 0 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Univers ATT; margin: 2pt 0 0 48pt"><FONT STYLE="font-size: 11pt">In consideration of the premium charged,
it is hereby understood and agreed as follows:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/98% Univers ATT; margin-top: 6.3pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 48pt"></TD><TD STYLE="width: 29.4pt"><FONT STYLE="font-size: 11pt; letter-spacing: -0.4pt">1.</FONT></TD><TD STYLE="text-align: justify; padding-right: 63.5pt"><FONT STYLE="font-size: 11pt"><I>Email
                                         <FONT STYLE="letter-spacing: -0.15pt">Reporting </FONT>of Claims</I>: In <FONT STYLE="letter-spacing: 0.4pt">addition
                                         </FONT>to <FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">postal
                                         </FONT><FONT STYLE="letter-spacing: 0.45pt">address </FONT><FONT STYLE="letter-spacing: 0.35pt">set
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">forth for </FONT><FONT STYLE="letter-spacing: 0.3pt">any
                                         Notice </FONT><FONT STYLE="letter-spacing: 0.75pt">of </FONT><FONT STYLE="letter-spacing: 0.25pt">Claim
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">Reporting under </FONT><FONT STYLE="letter-spacing: 0.25pt">this
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">policy, </FONT><FONT STYLE="letter-spacing: 0.35pt">such
                                         notice </FONT><FONT STYLE="letter-spacing: 0.45pt">may </FONT><FONT STYLE="letter-spacing: 0.35pt">also
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">be </FONT><FONT STYLE="letter-spacing: 0.35pt">given
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">in writing </FONT><FONT STYLE="letter-spacing: 0.4pt">pursuant
                                         </FONT>to <FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.2pt">policy's
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">other </FONT><FONT STYLE="letter-spacing: 0.45pt">terms
                                         </FONT><FONT STYLE="letter-spacing: 0.3pt">and </FONT><FONT STYLE="letter-spacing: 0.4pt">conditions
                                         </FONT>to <FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">Insurer
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">by </FONT><FONT STYLE="letter-spacing: 0.45pt">email
                                         </FONT><FONT STYLE="letter-spacing: 0.2pt">at </FONT><FONT STYLE="letter-spacing: 0.25pt">the
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">following </FONT><FONT STYLE="letter-spacing: 0.45pt">email
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">address:</FONT></FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Univers ATT; margin: 6.2pt 0 0 77.4pt"><FONT STYLE="font-size: 11pt">c- claim@AIG.com</FONT></P>

<P STYLE="font: 10pt/98% Univers ATT; margin: 6.55pt 64.75pt 0 77.4pt; text-align: justify"><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">Your
</FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">email must </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">reference
</FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.2pt">the </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">policy
</FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.5pt">number </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">for
this </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">policy. </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.1pt">The
</FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">date </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">of
</FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.2pt">the </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">Insurer's
</FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">receipt </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">of
</FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.15pt">the </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.5pt">emailed
</FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">notice shall constitute </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">the
</FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.3pt">date </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">of
</FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">notice.</FONT></P>

<P STYLE="font: 10pt/98% Univers ATT; margin: 6.3pt 62.7pt 0 77.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">In <FONT STYLE="letter-spacing: 0.4pt">addition
</FONT><FONT STYLE="letter-spacing: 0.1pt">to </FONT><FONT STYLE="letter-spacing: 0.3pt">Notice </FONT><FONT STYLE="letter-spacing: 0.35pt">of
</FONT><FONT STYLE="letter-spacing: 0.3pt">Claim </FONT><FONT STYLE="letter-spacing: 0.4pt">Reporting </FONT><FONT STYLE="letter-spacing: 0.2pt">via
</FONT><FONT STYLE="letter-spacing: 0.45pt">email, </FONT><FONT STYLE="letter-spacing: 0.4pt">notice </FONT><FONT STYLE="letter-spacing: 0.45pt">may
</FONT><FONT STYLE="letter-spacing: 0.3pt">also </FONT><FONT STYLE="letter-spacing: 0.25pt">be </FONT><FONT STYLE="letter-spacing: 0.4pt">given
</FONT><FONT STYLE="letter-spacing: 0.1pt">to </FONT><FONT STYLE="letter-spacing: 0.35pt">the Insurer </FONT><FONT STYLE="letter-spacing: 0.2pt">by
</FONT><FONT STYLE="letter-spacing: 0.45pt">mailing </FONT><FONT STYLE="letter-spacing: 0.35pt">such notice </FONT><FONT STYLE="letter-spacing: 0.3pt">to:
</FONT>AIG, <FONT STYLE="letter-spacing: 0.35pt">Financial </FONT><FONT STYLE="letter-spacing: 0.25pt">Lines </FONT><FONT STYLE="letter-spacing: 0.45pt">Claims,
</FONT>P.O. <FONT STYLE="letter-spacing: 0.3pt">Box </FONT><FONT STYLE="letter-spacing: -0.15pt">25947, </FONT><FONT STYLE="letter-spacing: 0.3pt">Shawnee
</FONT><FONT STYLE="letter-spacing: 0.4pt">Mission, </FONT><FONT STYLE="letter-spacing: -0.2pt">KS 66225 </FONT><FONT STYLE="letter-spacing: 0.4pt">or
</FONT><FONT STYLE="letter-spacing: 0.15pt">faxing </FONT><FONT STYLE="letter-spacing: 0.3pt">such </FONT><FONT STYLE="letter-spacing: 0.35pt">notice
</FONT>to <FONT STYLE="letter-spacing: -0.2pt">(866) 227-</FONT> <FONT STYLE="letter-spacing: -0.25pt">1750.</FONT></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Univers ATT; margin-top: 6.35pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 48pt"></TD><TD STYLE="width: 29.35pt"><FONT STYLE="font-size: 11pt; letter-spacing: -0.4pt">2.</FONT></TD><TD><FONT STYLE="font-size: 11pt; letter-spacing: -0.25pt"><I>Definitions</I>:
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">For this </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.55pt">endorsement
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">only, </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.15pt">the
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">following definitions shall
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.3pt">apply:</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/98% Univers ATT; margin-top: 6.3pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77.4pt"></TD><TD STYLE="width: 29.55pt"><FONT STYLE="font-size: 11pt">(a)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.65pt"><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">&quot;Insurer&quot;
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.5pt">means </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">the
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.15pt">&quot;Insurer,&quot; </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.3pt">&quot;Underwriter&quot;
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">or </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">&quot;Company&quot;
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">or </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">other
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">name </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">specifically
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">ascribed </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">in
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.3pt">this </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">policy
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.1pt">as </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.15pt">the
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">insurance </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.5pt">company
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.3pt">or </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">underwriter
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.15pt">for </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">this
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">policy.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/98% Univers ATT; margin-top: 6.35pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77.4pt"></TD><TD STYLE="width: 29.55pt"><FONT STYLE="font-size: 11pt">(b)</FONT></TD><TD STYLE="text-align: justify; padding-right: 63.65pt"><FONT STYLE="font-size: 11pt; letter-spacing: 0.15pt">&quot;Notice
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.3pt">of Claim </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">Reporting&quot;
                                         means </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.15pt">&quot;notice </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">of
                                         claim/ </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">circumstance,&quot;
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.15pt">&quot;notice </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">of
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">loss&quot; or other reference
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.2pt">in </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">the
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">policy designated </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">for
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">reporting </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">of
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">claims, loss </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.3pt">or
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">occurrences </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">or
                                         situations </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.2pt">that </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">may
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">give rise or </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">result
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.2pt">in </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">loss
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">under </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">this
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">policy.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/98% Univers ATT; margin-top: 6.45pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77.4pt"></TD><TD STYLE="width: 29.55pt"><FONT STYLE="font-size: 11pt">(c)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.15pt"><FONT STYLE="font-size: 11pt; letter-spacing: 0.2pt">&quot;Policy&quot;
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">means </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">the
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">policy, </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">bond
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">or </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">other
                                         insurance </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">product </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.1pt">to
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">which </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">this
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.55pt">endorsement </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.2pt">is
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.3pt">attached.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/98% Univers ATT; margin-top: 6.25pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 48pt"></TD><TD STYLE="width: 29.35pt"><FONT STYLE="font-size: 11pt; letter-spacing: -0.4pt">3.</FONT></TD><TD STYLE="padding-right: 64.65pt"><FONT STYLE="font-size: 11pt; letter-spacing: 0.2pt">This
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.55pt">endorsement </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.5pt">does
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">not </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">apply
                                         </FONT><FONT STYLE="font-size: 11pt">to <FONT STYLE="letter-spacing: 0.3pt">any </FONT><FONT STYLE="letter-spacing: 0.2pt">Kidnap
                                         </FONT>&amp; <FONT STYLE="letter-spacing: 0.45pt">Ransom/ </FONT><FONT STYLE="letter-spacing: 0.3pt">Extortion
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">Coverage </FONT><FONT STYLE="letter-spacing: 0.35pt">Section,
                                         </FONT><FONT STYLE="letter-spacing: 0.2pt">if </FONT><FONT STYLE="letter-spacing: 0.25pt">any,
                                         </FONT><FONT STYLE="letter-spacing: 0.45pt">provided </FONT><FONT STYLE="letter-spacing: 0.3pt">by
                                         this</FONT> <FONT STYLE="letter-spacing: 0.35pt">policy.</FONT></FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Univers ATT; margin: 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="font: 13.5pt Univers ATT; margin: 0.45pt 0 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Univers ATT; margin: 2pt 0 0 48pt"><FONT STYLE="font-size: 11pt">ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS
REMAIN UNCHANGED.</FONT></P>

<P STYLE="font: 10pt Univers ATT; margin: 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@REE2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0.05pt 0 0"></P>

<P STYLE="text-align: right; margin: 0"><IMG SRC="image_051.jpg" ALT="" STYLE="width: 127px; height: 58px"></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 2pt Z@REE2.tmp,sans-serif; margin: 0.3pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt/1pt Univers ATT; margin: 0 0 0 386pt">&nbsp;</P>

<P STYLE="font: 11pt Z@REE2.tmp,sans-serif; margin: 1pt 19.65pt 0 0; text-align: right">AUTHORIZED REPRESENTATIVE</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt/13.35pt Z@REE2.tmp,sans-serif; margin: 0.05pt 15.55pt 0 3.85pt; text-align: center">&copy;All rights reserved.&nbsp;</P>

<P STYLE="font: 14pt/16.05pt Univers ATT; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Z@R10DA.tmp,sans-serif"><B>&nbsp;</B></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt"><I>1-14180</I></FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt"><I>END 013</I></FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">99758 (8/08)</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">Page 1 of 1</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
</TABLE>
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<P STYLE="font: 14pt/16.05pt Univers ATT; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Z@R10DA.tmp,sans-serif"><B>&nbsp;</B></FONT></P>

<P STYLE="margin: 0"></P>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>14</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"></P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>&nbsp;</I></B></P>


<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Z@R1892.tmp,sans-serif; margin: 5.05pt 0 0 132.1pt"><B>RELIANCE UPON OTHER CARRIER'S APPLICATION RIDER</B></P>

<P STYLE="font: 10pt Z@R1892.tmp,sans-serif; margin: 0.25pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 11pt Z@R198E.tmp,sans-serif; margin: 0 0 0 47.95pt">It is agreed that:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Z@R198E.tmp,sans-serif; margin-top: 11.65pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 48pt"></TD><TD STYLE="width: 17.9pt"><FONT STYLE="letter-spacing: -0.15pt">1.</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.25pt">In granting coverage under this bond, the Underwriter has relied upon the
statements and representations contained in the below referenced application (including materials submitted thereto and, if such
application is a renewal application, all such previous bond applications and their attachments and materials, for which this bond
is a renewal or succeeds in time) as being accurate and complete.</TD></TR></TABLE>

<P STYLE="font: 9.5pt Z@R198E.tmp,sans-serif; margin: 0.25pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 48pt"></TD><TD STYLE="width: 17.9pt"><FONT STYLE="font-family: Z@R198E.tmp,sans-serif; letter-spacing: -0.15pt">2.</FONT></TD><TD STYLE="text-align: justify; padding-right: 64pt"><FONT STYLE="font-family: Z@R198E.tmp,sans-serif">The Insured warrants and
represents to the Underwriter that the statements and representations made in such application were accurate on the date such representations
and statements were so given and that in connection therewith the Insured reaffirms each and every statement made in the application
to </FONT><I>ICI Mutual Insurance Company </I><FONT STYLE="font-family: Z@R198E.tmp,sans-serif">as accurate as of </FONT><I>April
11, 2012 </I><FONT STYLE="font-family: Z@R198E.tmp,sans-serif">as if it was made to the Underwriter on such date. All such statements
and representations shall be deemed to be material to the risk assumed by the Underwriter, and are the basis of this bond and are
deemed to be considered as incorporated into this bond.</FONT></TD></TR></TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 11pt Univers ATT; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 28%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Z@R1892.tmp,sans-serif"><B>&nbsp;</B></FONT></TD>
    <TD STYLE="width: 29%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Z@R1892.tmp,sans-serif"><B>&nbsp;</B></FONT></TD>
    <TD STYLE="width: 43%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Z@R1892.tmp,sans-serif"><B>&nbsp;</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Z@R1892.tmp,sans-serif"><B><U>Type of Bond Application</U></B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Z@R1892.tmp,sans-serif"><B><U>Carrier</U></B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Z@R1892.tmp,sans-serif"><B><U>Date Signed</U></B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Z@R198E.tmp,sans-serif">Alternative <FONT STYLE="letter-spacing: -0.15pt">Renewal </FONT>Application</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Z@R198E.tmp,sans-serif">ICI Mutual <FONT STYLE="letter-spacing: -0.15pt">Insurance </FONT>Company</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Z@R198E.tmp,sans-serif">04/24/2019</FONT></TD></TR>
</TABLE>
<P STYLE="font: 11pt Z@R1892.tmp,sans-serif; margin: 10.75pt 0 0 71.35pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/90% Z@R198E.tmp,sans-serif; margin-top: 6.1pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 48pt"></TD><TD STYLE="width: 17.9pt"><FONT STYLE="letter-spacing: -0.15pt">3.</FONT></TD><TD STYLE="padding-right: 64.5pt">Nothing contained here shall be held to vary, alter, waive or extend any of the terms, limitations,
conditions, or agreements of the attached bond other than as above stated.</TD></TR></TABLE>

<P STYLE="font: 10pt Z@R198E.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@R198E.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@R198E.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Z@R198E.tmp,sans-serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 11pt Z@R198E.tmp,sans-serif; margin: 1pt 19.65pt 0 0; text-align: right">AUTHORIZED REPRESENTATIVE</P>

<P STYLE="font: 11pt/13.35pt Z@R198E.tmp,sans-serif; margin: 0.05pt 15.55pt 0 3.85pt; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 14pt/16.85pt Z@R1C03.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>END 014</I></B></P>

<P STYLE="font: 14pt/16.85pt Z@R1C03.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 14pt/16.85pt Z@R1C03.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I></I></B></P>

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    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 34%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">132767 (05/19)</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">1</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 33%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
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<P STYLE="font: 14pt/16.85pt Z@R1C03.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 14pt/16.85pt Z@R1C03.tmp,sans-serif; margin: 0 15.3pt 0 3.85pt; text-align: center"><B><I>&nbsp;</I></B></P>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>15</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"></P></TD></TR>
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<P></P>

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    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
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    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>&nbsp;</I></B></P>


<P STYLE="font: 10pt Univers ATT; margin: 2pt 0 0 171pt"><FONT STYLE="font-size: 11pt">NEW YORK AMENDATORY ENDORSEMENT</FONT></P>

<P STYLE="font: 7pt Univers ATT; margin: 0.25pt 0 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt/98% Univers ATT; margin: 2.1pt 62.8pt 0 48pt; text-align: justify"><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">Wherever
</FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">used </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.2pt">in
</FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.3pt">this </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.5pt">endorsement:
</FONT><FONT STYLE="font-size: 11pt">1) <FONT STYLE="letter-spacing: 0.25pt">&quot;Insurer&quot; </FONT><FONT STYLE="letter-spacing: 0.45pt">means
</FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">insurance </FONT><FONT STYLE="letter-spacing: 0.5pt">company
</FONT><FONT STYLE="letter-spacing: 0.3pt">which </FONT><FONT STYLE="letter-spacing: 0.4pt">issued </FONT><FONT STYLE="letter-spacing: 0.25pt">this
</FONT><FONT STYLE="letter-spacing: 0.35pt">policy; </FONT><FONT STYLE="letter-spacing: 0.3pt">and </FONT><FONT STYLE="letter-spacing: -0.2pt">2)
</FONT><FONT STYLE="letter-spacing: 0.25pt">&quot;Insured&quot; </FONT><FONT STYLE="letter-spacing: 0.45pt">means </FONT><FONT STYLE="letter-spacing: 0.2pt">the
</FONT><FONT STYLE="letter-spacing: 0.4pt">Named </FONT><FONT STYLE="letter-spacing: 0.45pt">Corporation, </FONT><FONT STYLE="letter-spacing: 0.4pt">Named
</FONT><FONT STYLE="letter-spacing: 0.45pt">Organization, </FONT><FONT STYLE="letter-spacing: 0.4pt">Named</FONT> <FONT STYLE="letter-spacing: 0.45pt">Sponsor,
</FONT><FONT STYLE="letter-spacing: 0.4pt">Named Insured, Named</FONT> <FONT STYLE="letter-spacing: 0.25pt">Entity</FONT> <FONT STYLE="letter-spacing: 0.35pt">or
Insured</FONT> <FONT STYLE="letter-spacing: 0.3pt">stated</FONT> <FONT STYLE="letter-spacing: 0.2pt">in</FONT> <FONT STYLE="letter-spacing: 0.15pt">the
</FONT><FONT STYLE="letter-spacing: 0.4pt">declarations</FONT> <FONT STYLE="letter-spacing: 0.6pt">page;</FONT></FONT></P>

<P STYLE="font: 10pt Univers ATT; margin: 6.25pt 0 0 48pt"><FONT STYLE="font-size: 11pt">The policy is hereby amended as follows:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/98% Univers ATT; margin-top: 6.4pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 48pt"></TD><TD STYLE="width: 29.35pt"><FONT STYLE="font-size: 11pt">I.</FONT></TD><TD STYLE="padding-right: 63.85pt"><FONT STYLE="font-size: 11pt; letter-spacing: 0.1pt">The
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">Cancellation </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.3pt">and
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">When </FONT><FONT STYLE="font-size: 11pt">We
                                         Do <FONT STYLE="letter-spacing: 0.35pt">Not </FONT><FONT STYLE="letter-spacing: 0.4pt">Renew
                                         </FONT><FONT STYLE="letter-spacing: 0.45pt">provisions </FONT><FONT STYLE="letter-spacing: 0.3pt">are
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">deleted </FONT><FONT STYLE="letter-spacing: 0.25pt">and
                                         </FONT><FONT STYLE="letter-spacing: 0.45pt">replaced </FONT><FONT STYLE="letter-spacing: 0.25pt">by
                                         the</FONT> <FONT STYLE="letter-spacing: 0.4pt">following:</FONT></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Univers ATT; margin-top: 6.45pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77.4pt"></TD><TD STYLE="width: 29.5pt"><FONT STYLE="font-size: 11pt">(a)</FONT></TD><TD><FONT STYLE="font-size: 11pt">CANCELLATION BY THE <FONT STYLE="letter-spacing: 0.2pt">INSURED</FONT></FONT></TD></TR></TABLE>

<P STYLE="font: 10pt/98% Univers ATT; margin: 6.3pt 64.1pt 0 107pt; text-align: justify"><FONT STYLE="font-size: 11pt; letter-spacing: 0.2pt">This
</FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">policy </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">may
</FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.2pt">be </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">cancelled
</FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">by the </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">Insured
</FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">by </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.5pt">surrender
</FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">of </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.2pt">this
</FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">policy </FONT><FONT STYLE="font-size: 11pt">to <FONT STYLE="letter-spacing: 0.3pt">the
</FONT><FONT STYLE="letter-spacing: 0.35pt">Insurer or </FONT><FONT STYLE="letter-spacing: 0.25pt">by </FONT><FONT STYLE="letter-spacing: 0.35pt">giving
</FONT><FONT STYLE="letter-spacing: 0.25pt">written </FONT><FONT STYLE="letter-spacing: 0.35pt">notice </FONT><FONT STYLE="letter-spacing: 0.1pt">to
</FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">Insurer </FONT><FONT STYLE="letter-spacing: 0.25pt">stating
when </FONT><FONT STYLE="letter-spacing: 0.35pt">thereafter </FONT><FONT STYLE="letter-spacing: 0.45pt">such </FONT><FONT STYLE="letter-spacing: 0.4pt">cancellation
</FONT><FONT STYLE="letter-spacing: 0.35pt">shall </FONT><FONT STYLE="letter-spacing: 0.25pt">be effective. </FONT><FONT STYLE="letter-spacing: 0.1pt">The
</FONT><FONT STYLE="letter-spacing: 0.4pt">Policy </FONT><FONT STYLE="letter-spacing: 0.45pt">Period </FONT><FONT STYLE="letter-spacing: 0.4pt">terminates
</FONT><FONT STYLE="letter-spacing: 0.15pt">at </FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.2pt">date
</FONT><FONT STYLE="letter-spacing: 0.3pt">and </FONT><FONT STYLE="letter-spacing: 0.4pt">hour </FONT><FONT STYLE="letter-spacing: 0.35pt">specified
</FONT><FONT STYLE="letter-spacing: 0.2pt">in </FONT><FONT STYLE="letter-spacing: 0.35pt">such </FONT><FONT STYLE="letter-spacing: 0.4pt">notice,
</FONT><FONT STYLE="letter-spacing: 0.35pt">or </FONT><FONT STYLE="letter-spacing: 0.2pt">at </FONT><FONT STYLE="letter-spacing: 0.25pt">the
date and </FONT><FONT STYLE="letter-spacing: 0.35pt">time of</FONT> <FONT STYLE="letter-spacing: 0.45pt">surrender.</FONT></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Univers ATT; margin-top: 6.3pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77.4pt"></TD><TD STYLE="width: 29.5pt"><FONT STYLE="font-size: 11pt">(b)</FONT></TD><TD><FONT STYLE="font-size: 11pt">CANCELLATION, <FONT STYLE="letter-spacing: 0.15pt">NONRENEWAL
                                         </FONT>AND <FONT STYLE="letter-spacing: 0.15pt">CONDITIONAL </FONT>RENEWAL BY THE <FONT STYLE="letter-spacing: 0.25pt">INSURER</FONT></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/98% Univers ATT; margin-top: 6.3pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 107.1pt"></TD><TD STYLE="width: 29.35pt"><FONT STYLE="font-size: 11pt">(i)</FONT></TD><TD STYLE="text-align: justify; padding-right: 63.9pt"><FONT STYLE="font-size: 11pt">If
                                         <FONT STYLE="letter-spacing: 0.3pt">this </FONT><FONT STYLE="letter-spacing: 0.45pt">policy
                                         </FONT><FONT STYLE="letter-spacing: 0.3pt">has </FONT><FONT STYLE="letter-spacing: 0.45pt">been
                                         </FONT><FONT STYLE="letter-spacing: 0.2pt">in effect </FONT><FONT STYLE="letter-spacing: 0.25pt">for
                                         </FONT><FONT STYLE="letter-spacing: 0.15pt">sixty </FONT><FONT STYLE="letter-spacing: -0.15pt">(60)
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">or </FONT><FONT STYLE="letter-spacing: 0.2pt">fewer
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">days when </FONT><FONT STYLE="letter-spacing: 0.4pt">cancellation
                                         notice </FONT><FONT STYLE="letter-spacing: 0.25pt">is </FONT><FONT STYLE="letter-spacing: 0.45pt">mailed,
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">and this </FONT><FONT STYLE="letter-spacing: 0.4pt">policy
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">is </FONT><FONT STYLE="letter-spacing: 0.4pt">not
                                         </FONT>a <FONT STYLE="letter-spacing: 0.35pt">renewal of </FONT>a <FONT STYLE="letter-spacing: 0.4pt">policy
                                         issued </FONT><FONT STYLE="letter-spacing: 0.25pt">by </FONT><FONT STYLE="letter-spacing: 0.15pt">the
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">Insurer, </FONT><FONT STYLE="letter-spacing: 0.3pt">then
                                         this </FONT><FONT STYLE="letter-spacing: 0.4pt">policy </FONT><FONT STYLE="letter-spacing: 0.45pt">may
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">be </FONT><FONT STYLE="letter-spacing: 0.4pt">cancelled
                                         </FONT><FONT STYLE="letter-spacing: 0.2pt">by </FONT><FONT STYLE="letter-spacing: 0.25pt">the
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">Insurer </FONT><FONT STYLE="letter-spacing: 0.25pt">by
                                         </FONT><FONT STYLE="letter-spacing: 0.45pt">mailing </FONT><FONT STYLE="letter-spacing: 0.35pt">or
                                         </FONT><FONT STYLE="letter-spacing: 0.45pt">delivering </FONT><FONT STYLE="letter-spacing: 0.1pt">to
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">Insured,
                                         </FONT><FONT STYLE="letter-spacing: 0.3pt">and </FONT><FONT STYLE="letter-spacing: 0.1pt">to
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">his </FONT><FONT STYLE="letter-spacing: 0.4pt">authorized
                                         insurance agent </FONT><FONT STYLE="letter-spacing: 0.35pt">or </FONT><FONT STYLE="letter-spacing: 0.4pt">broker,
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">written </FONT><FONT STYLE="letter-spacing: 0.35pt">notice
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">stating when </FONT><FONT STYLE="letter-spacing: 0.4pt">not
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">less </FONT><FONT STYLE="letter-spacing: 0.25pt">than
                                         </FONT><FONT STYLE="letter-spacing: 0.2pt">twenty </FONT><FONT STYLE="letter-spacing: -0.25pt">(20)
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">days </FONT><FONT STYLE="letter-spacing: 0.35pt">thereafter
                                         </FONT><FONT STYLE="letter-spacing: 0.15pt">(fifteen </FONT><FONT STYLE="letter-spacing: -0.15pt">(15)
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">days </FONT><FONT STYLE="letter-spacing: 0.35pt">thereafter
                                         </FONT><FONT STYLE="letter-spacing: 0.2pt">if </FONT><FONT STYLE="letter-spacing: 0.4pt">cancellation
                                         </FONT><FONT STYLE="letter-spacing: 0.2pt">is </FONT><FONT STYLE="letter-spacing: 0.4pt">because
                                         of one of </FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.45pt">reasons
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">for </FONT><FONT STYLE="letter-spacing: 0.4pt">cancellation
                                         set </FONT><FONT STYLE="letter-spacing: 0.25pt">forth </FONT><FONT STYLE="letter-spacing: 0.2pt">in
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">subsection </FONT><FONT STYLE="letter-spacing: 0.2pt">(ii)
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">below) </FONT><FONT STYLE="letter-spacing: 0.2pt">the
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">cancellation </FONT><FONT STYLE="letter-spacing: 0.35pt">shall
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">be effective. </FONT><FONT STYLE="letter-spacing: 0.3pt">Notice
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">of </FONT><FONT STYLE="letter-spacing: 0.4pt">cancellation
                                         issued </FONT><FONT STYLE="letter-spacing: 0.25pt">by </FONT><FONT STYLE="letter-spacing: 0.4pt">the
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">Insurer shall </FONT><FONT STYLE="letter-spacing: 0.3pt">specify
                                         </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.5pt">grounds
                                         </FONT><FONT STYLE="letter-spacing: 0.15pt">for</FONT> <FONT STYLE="letter-spacing: 0.4pt">cancellation.</FONT></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/98% Univers ATT; margin-top: 6.1pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 107.2pt"></TD><TD STYLE="width: 29.3pt"><FONT STYLE="font-size: 11pt">(ii)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.15pt"><FONT STYLE="font-size: 11pt">If
                                         <FONT STYLE="letter-spacing: 0.25pt">this </FONT><FONT STYLE="letter-spacing: 0.4pt">policy
                                         </FONT><FONT STYLE="letter-spacing: 0.3pt">has </FONT><FONT STYLE="letter-spacing: 0.4pt">been
                                         </FONT><FONT STYLE="letter-spacing: 0.2pt">in </FONT><FONT STYLE="letter-spacing: 0.25pt">effect
                                         </FONT><FONT STYLE="letter-spacing: 0.15pt">for </FONT><FONT STYLE="letter-spacing: 0.55pt">more
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">than </FONT><FONT STYLE="letter-spacing: 0.15pt">sixty
                                         </FONT><FONT STYLE="letter-spacing: -0.15pt">(60) </FONT><FONT STYLE="letter-spacing: 0.25pt">days
                                         when </FONT><FONT STYLE="letter-spacing: 0.35pt">notice </FONT><FONT STYLE="letter-spacing: 0.4pt">of
                                         cancellation </FONT><FONT STYLE="letter-spacing: 0.2pt">is </FONT><FONT STYLE="letter-spacing: 0.45pt">mailed,
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">or </FONT><FONT STYLE="letter-spacing: 0.25pt">if
                                         this </FONT><FONT STYLE="letter-spacing: 0.4pt">policy </FONT><FONT STYLE="letter-spacing: 0.25pt">is
                                         </FONT>a <FONT STYLE="letter-spacing: 0.35pt">renewal of </FONT>a <FONT STYLE="letter-spacing: 0.4pt">policy
                                         issued </FONT><FONT STYLE="letter-spacing: 0.25pt">by </FONT><FONT STYLE="letter-spacing: 0.15pt">the
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">Insurer, </FONT><FONT STYLE="letter-spacing: 0.3pt">then
                                         this </FONT><FONT STYLE="letter-spacing: 0.4pt">policy </FONT><FONT STYLE="letter-spacing: 0.45pt">may
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">be </FONT><FONT STYLE="letter-spacing: 0.4pt">cancelled
                                         </FONT><FONT STYLE="letter-spacing: 0.2pt">by </FONT><FONT STYLE="letter-spacing: 0.25pt">the
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">Insurer </FONT><FONT STYLE="letter-spacing: 0.25pt">by
                                         </FONT><FONT STYLE="letter-spacing: 0.45pt">mailing </FONT><FONT STYLE="letter-spacing: 0.35pt">or
                                         </FONT><FONT STYLE="letter-spacing: 0.45pt">delivering </FONT><FONT STYLE="letter-spacing: 0.1pt">to
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">Insured,
                                         </FONT><FONT STYLE="letter-spacing: 0.3pt">and </FONT><FONT STYLE="letter-spacing: 0.1pt">to
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">his </FONT><FONT STYLE="letter-spacing: 0.4pt">authorized
                                         insurance agent </FONT><FONT STYLE="letter-spacing: 0.35pt">or broker, </FONT><FONT STYLE="letter-spacing: 0.25pt">written
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">notice </FONT><FONT STYLE="letter-spacing: 0.3pt">stating
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">when </FONT><FONT STYLE="letter-spacing: 0.4pt">not
                                         less </FONT><FONT STYLE="letter-spacing: 0.25pt">than </FONT><FONT STYLE="letter-spacing: 0.2pt">fifteen
                                         </FONT><FONT STYLE="letter-spacing: -0.15pt">(15) </FONT><FONT STYLE="letter-spacing: 0.25pt">days
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">thereafter </FONT><FONT STYLE="letter-spacing: 0.15pt">the
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">cancellation </FONT><FONT STYLE="letter-spacing: 0.35pt">shall
                                         </FONT><FONT STYLE="letter-spacing: 0.3pt">be</FONT> <FONT STYLE="letter-spacing: 0.25pt">effective;
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">however, such </FONT><FONT STYLE="letter-spacing: 0.4pt">cancellation
                                         </FONT><FONT STYLE="letter-spacing: 0.45pt">must </FONT><FONT STYLE="letter-spacing: 0.25pt">be
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">based </FONT><FONT STYLE="letter-spacing: 0.35pt">on
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">one or </FONT><FONT STYLE="letter-spacing: 0.55pt">more
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">of </FONT><FONT STYLE="letter-spacing: 0.25pt">the
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">following:</FONT></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/98% Univers ATT; margin-top: 6.35pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 136.5pt"></TD><TD STYLE="width: 29.5pt"><FONT STYLE="font-size: 11pt; letter-spacing: -0.3pt">(A)</FONT></TD><TD STYLE="text-align: justify; padding-right: 63.8pt"><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">nonpayment
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">of </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.55pt">premium,
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">provided, however, </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">that
                                         </FONT><FONT STYLE="font-size: 11pt">a <FONT STYLE="letter-spacing: 0.35pt">notice </FONT><FONT STYLE="letter-spacing: 0.3pt">of
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">cancellation </FONT><FONT STYLE="letter-spacing: 0.35pt">on
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">this </FONT><FONT STYLE="letter-spacing: 0.5pt">ground
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">shall inform </FONT><FONT STYLE="letter-spacing: 0.2pt">the
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">first </FONT><FONT STYLE="letter-spacing: 0.45pt">Named
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">Insured </FONT><FONT STYLE="letter-spacing: 0.3pt">of
                                         </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.5pt">amount
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">due;</FONT></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/98% Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 136.5pt"></TD><TD STYLE="width: 29.5pt"><FONT STYLE="font-size: 11pt; letter-spacing: -0.3pt">(B)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.5pt"><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">conviction
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">of </FONT><FONT STYLE="font-size: 11pt">a
                                         <FONT STYLE="letter-spacing: 0.5pt">crime </FONT><FONT STYLE="letter-spacing: 0.4pt">arising
                                         out </FONT><FONT STYLE="letter-spacing: 0.3pt">of </FONT><FONT STYLE="letter-spacing: 0.2pt">acts
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">increasing </FONT><FONT STYLE="letter-spacing: 0.25pt">the
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">hazard </FONT><FONT STYLE="letter-spacing: 0.4pt">insured
                                         against;</FONT></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/98% Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 136.5pt"></TD><TD STYLE="width: 29.5pt"><FONT STYLE="font-size: 11pt; letter-spacing: -0.3pt">(C)</FONT></TD><TD STYLE="text-align: justify; padding-right: 63.8pt"><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">discovery
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">of </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">fraud
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">or </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">material
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">misrepresentation </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">in
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.15pt">the </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">obtaining
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.3pt">of </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.15pt">the
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">policy or </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.2pt">in
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">the </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">presentation
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.3pt">of </FONT><FONT STYLE="font-size: 11pt">a
                                         <FONT STYLE="letter-spacing: 0.35pt">claim </FONT><FONT STYLE="letter-spacing: 0.45pt">thereunder;</FONT></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/98% Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 136.5pt"></TD><TD STYLE="width: 29.5pt"><FONT STYLE="font-size: 11pt; letter-spacing: -0.3pt">(D)</FONT></TD><TD STYLE="text-align: justify; padding-right: 62.95pt"><FONT STYLE="font-size: 11pt; letter-spacing: 0.15pt">after
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">issuance </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.3pt">of
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.15pt">the </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">policy
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.3pt">or</FONT> <FONT STYLE="font-size: 11pt; letter-spacing: 0.2pt">after
                                         the </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">last </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">renewal
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">date, </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">discovery
                                         of </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.2pt">an </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">act
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">or </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.5pt">omission,
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">or </FONT><FONT STYLE="font-size: 11pt">a
                                         <FONT STYLE="letter-spacing: 0.35pt">violation of </FONT><FONT STYLE="letter-spacing: 0.3pt">any
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">policy condition, </FONT><FONT STYLE="letter-spacing: 0.25pt">that
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">substantially </FONT><FONT STYLE="letter-spacing: 0.25pt">and
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">materially </FONT><FONT STYLE="letter-spacing: 0.45pt">increases
                                         </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.45pt">hazard
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">insured </FONT><FONT STYLE="letter-spacing: 0.35pt">against,
                                         </FONT><FONT STYLE="letter-spacing: 0.3pt">and </FONT><FONT STYLE="letter-spacing: 0.2pt">which
                                         </FONT><FONT STYLE="letter-spacing: 0.45pt">occurred subsequent </FONT>to <FONT STYLE="letter-spacing: 0.4pt">inception
                                         </FONT><FONT STYLE="letter-spacing: 0.3pt">of </FONT><FONT STYLE="letter-spacing: 0.2pt">the
                                         </FONT><FONT STYLE="letter-spacing: 0.45pt">current </FONT><FONT STYLE="letter-spacing: 0.4pt">Policy
                                         </FONT><FONT STYLE="letter-spacing: 0.45pt">Period;</FONT></FONT></TD></TR></TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0">&copy; All rights reserved.</P>

<P STYLE="margin: 0"></P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt"><I>1-14180</I></FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt"><I>END 015</I></FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">69898 (9/06)</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">Page 1 of 4</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>15</I></P></TD>
    <TD STYLE="width: 33%">(Continued)<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"></P></TD></TR>
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<P STYLE="margin: 0"></P>

<P></P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>&nbsp;</I></B></P>


<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/98% Univers ATT; margin-top: 2.1pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 136.5pt"></TD><TD STYLE="width: 29.5pt"><FONT STYLE="font-size: 11pt; letter-spacing: -0.3pt">(E)</FONT></TD><TD STYLE="text-align: justify; padding-right: 63.2pt"><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">material
                                         change </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.2pt">in </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">the
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.3pt">nature </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">or
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">extent </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">of
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.15pt">the </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">risk,
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">occurring </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.2pt">after
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">issuance </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">or
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">last </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">annual
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">renewal </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">anniversary
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">date </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">of
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">the </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">policy,
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.2pt">which </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">causes
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.2pt">the </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">risk
                                         of </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">loss </FONT><FONT STYLE="font-size: 11pt">to
                                         <FONT STYLE="letter-spacing: 0.25pt">be </FONT><FONT STYLE="letter-spacing: 0.35pt">substantially
                                         </FONT><FONT STYLE="letter-spacing: 0.3pt">and </FONT><FONT STYLE="letter-spacing: 0.4pt">materially
                                         </FONT><FONT STYLE="letter-spacing: 0.45pt">increased </FONT><FONT STYLE="letter-spacing: 0.4pt">beyond
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">that </FONT><FONT STYLE="letter-spacing: 0.45pt">contemplated
                                         </FONT><FONT STYLE="letter-spacing: 0.2pt">at </FONT><FONT STYLE="letter-spacing: 0.25pt">the
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">time </FONT><FONT STYLE="letter-spacing: 0.15pt">the
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">policy </FONT>was <FONT STYLE="letter-spacing: 0.4pt">issued
                                         or </FONT><FONT STYLE="letter-spacing: 0.3pt">last</FONT> <FONT STYLE="letter-spacing: 0.4pt">renewed;</FONT></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/98% Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 136.5pt"></TD><TD STYLE="width: 29.5pt"><FONT STYLE="font-size: 11pt; letter-spacing: -0.3pt">(F)</FONT></TD><TD STYLE="text-align: justify; padding-right: 63.8pt"><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">required
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">pursuant </FONT><FONT STYLE="font-size: 11pt">to
                                         a <FONT STYLE="letter-spacing: 0.45pt">determination </FONT><FONT STYLE="letter-spacing: 0.25pt">by
                                         the New </FONT><FONT STYLE="letter-spacing: 0.45pt">York </FONT><FONT STYLE="letter-spacing: 0.4pt">Superintendent
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">of Insurance </FONT><FONT STYLE="letter-spacing: 0.25pt">that
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">continuation </FONT><FONT STYLE="letter-spacing: 0.35pt">of
                                         </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.45pt">present
                                         </FONT><FONT STYLE="letter-spacing: 0.5pt">premium </FONT><FONT STYLE="letter-spacing: 0.45pt">volume
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">of </FONT><FONT STYLE="letter-spacing: 0.15pt">the
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">Insurer </FONT><FONT STYLE="letter-spacing: 0.3pt">would
                                         </FONT><FONT STYLE="letter-spacing: 0.45pt">jeopardize </FONT><FONT STYLE="letter-spacing: 0.2pt">the
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">Insurer's </FONT><FONT STYLE="letter-spacing: 0.4pt">solvency
                                         </FONT><FONT STYLE="letter-spacing: 0.3pt">or be</FONT> <FONT STYLE="letter-spacing: 0.45pt">hazardous
                                         </FONT><FONT STYLE="letter-spacing: 0.1pt">to </FONT><FONT STYLE="letter-spacing: 0.25pt">the
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">interests </FONT><FONT STYLE="letter-spacing: 0.3pt">of
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">Insureds of </FONT><FONT STYLE="letter-spacing: 0.25pt">the
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">Insurer, </FONT><FONT STYLE="letter-spacing: 0.2pt">its
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">creditors </FONT><FONT STYLE="letter-spacing: 0.35pt">or
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">the</FONT> <FONT STYLE="letter-spacing: 0.4pt">public;</FONT></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/98% Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 136.5pt"></TD><TD STYLE="width: 29.5pt"><FONT STYLE="font-size: 11pt; letter-spacing: -0.3pt">(G)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.25pt"><FONT STYLE="font-size: 11pt">a
                                         <FONT STYLE="letter-spacing: 0.45pt">determination </FONT><FONT STYLE="letter-spacing: 0.25pt">by
                                         </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.25pt">New
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">York </FONT><FONT STYLE="letter-spacing: 0.4pt">Superintendent
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">of Insurance </FONT><FONT STYLE="letter-spacing: 0.25pt">that
                                         </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">continuation
                                         of </FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.45pt">policy
                                         </FONT><FONT STYLE="letter-spacing: 0.3pt">would </FONT><FONT STYLE="letter-spacing: 0.35pt">violate,
                                         or </FONT><FONT STYLE="letter-spacing: 0.3pt">would </FONT><FONT STYLE="letter-spacing: 0.35pt">place
                                         </FONT><FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">Insurer
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">in </FONT><FONT STYLE="letter-spacing: 0.4pt">violation
                                         </FONT><FONT STYLE="letter-spacing: 0.15pt">of, </FONT><FONT STYLE="letter-spacing: 0.3pt">any
                                         </FONT><FONT STYLE="letter-spacing: 0.45pt">provision </FONT><FONT STYLE="letter-spacing: 0.4pt">of
                                         </FONT><FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.25pt">New
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">York Insurance </FONT>Law;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/98% Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 136.5pt"></TD><TD STYLE="width: 29.5pt"><FONT STYLE="font-size: 11pt; letter-spacing: -0.3pt">(H)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.65pt"><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">revocation
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">or </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.5pt">suspension
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">of </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.2pt">an
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">Insured's </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">license
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.1pt">to </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">practice
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.3pt">his </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">profession;
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.3pt">or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/98% Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 136.5pt"></TD><TD STYLE="width: 29.5pt"><FONT STYLE="font-size: 11pt; letter-spacing: -0.3pt">(I)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.35pt"><FONT STYLE="font-size: 11pt; letter-spacing: 0.3pt">where
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.15pt">the </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">Insurer
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">has </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">reason
                                         </FONT><FONT STYLE="font-size: 11pt">to <FONT STYLE="letter-spacing: 0.4pt">believe </FONT><FONT STYLE="letter-spacing: 0.2pt">that
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">there </FONT><FONT STYLE="letter-spacing: 0.2pt">is
                                         </FONT>a <FONT STYLE="letter-spacing: 0.4pt">probable risk </FONT><FONT STYLE="letter-spacing: 0.35pt">or
                                         </FONT><FONT STYLE="letter-spacing: 0.45pt">danger </FONT><FONT STYLE="letter-spacing: 0.25pt">that
                                         </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">Insured
                                         </FONT><FONT STYLE="letter-spacing: 0.2pt">will </FONT><FONT STYLE="letter-spacing: 0.4pt">destroy
                                         or </FONT><FONT STYLE="letter-spacing: 0.45pt">permit </FONT><FONT STYLE="letter-spacing: 0.2pt">the
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">destruction </FONT><FONT STYLE="letter-spacing: 0.35pt">of
                                         </FONT><FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.45pt">insured
                                         property </FONT><FONT STYLE="letter-spacing: 0.2pt">for </FONT><FONT STYLE="letter-spacing: 0.15pt">the
                                         </FONT><FONT STYLE="letter-spacing: 0.45pt">purpose </FONT><FONT STYLE="letter-spacing: 0.35pt">of
                                         </FONT><FONT STYLE="letter-spacing: 0.45pt">collecting </FONT><FONT STYLE="letter-spacing: 0.15pt">the
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">insurance </FONT><FONT STYLE="letter-spacing: 0.5pt">proceeds,
                                         </FONT><FONT STYLE="letter-spacing: 0.45pt">provided, </FONT><FONT STYLE="letter-spacing: 0.35pt">however,
                                         </FONT><FONT STYLE="letter-spacing: 0.2pt">that:</FONT></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/98% Univers ATT; margin-top: 5.75pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 166.05pt"></TD><TD STYLE="width: 29.45pt"><FONT STYLE="font-size: 11pt; letter-spacing: -0.4pt">(1)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.15pt"><FONT STYLE="font-size: 11pt">a
                                         <FONT STYLE="letter-spacing: 0.35pt">notice </FONT><FONT STYLE="letter-spacing: 0.3pt">of
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">cancellation </FONT><FONT STYLE="letter-spacing: 0.3pt">on
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">this </FONT><FONT STYLE="letter-spacing: 0.5pt">ground
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">shall inform </FONT><FONT STYLE="letter-spacing: 0.3pt">the
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">Insured </FONT><FONT STYLE="letter-spacing: 0.2pt">in
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">plain </FONT><FONT STYLE="letter-spacing: 0.45pt">language
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">that </FONT><FONT STYLE="letter-spacing: 0.15pt">the
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">Insured </FONT><FONT STYLE="letter-spacing: 0.5pt">must
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">act within ten </FONT><FONT STYLE="letter-spacing: 0.3pt">days
                                         </FONT><FONT STYLE="letter-spacing: 0.2pt">if </FONT><FONT STYLE="letter-spacing: 0.35pt">review
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">by the </FONT><FONT STYLE="letter-spacing: 0.45pt">department
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">of </FONT><FONT STYLE="letter-spacing: 0.2pt">the
                                         </FONT><FONT STYLE="letter-spacing: 0.5pt">ground </FONT><FONT STYLE="letter-spacing: 0.2pt">for
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">cancellation </FONT><FONT STYLE="letter-spacing: 0.2pt">is
                                         </FONT><FONT STYLE="letter-spacing: 0.45pt">desired </FONT><FONT STYLE="letter-spacing: 0.4pt">pursuant
                                         </FONT><FONT STYLE="letter-spacing: 0.1pt">to </FONT><FONT STYLE="letter-spacing: 0.3pt">item
                                         </FONT>(3) <FONT STYLE="letter-spacing: 0.35pt">of this </FONT><FONT STYLE="letter-spacing: 0.45pt">subparagraph
                                         </FONT>(I);</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/98% Univers ATT; margin-top: 6.15pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 166.05pt"></TD><TD STYLE="width: 29.45pt"><FONT STYLE="font-size: 11pt; letter-spacing: -0.4pt">(2)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.3pt"><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">notice
                                         of </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">cancellation on </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">this
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.5pt">ground </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">shall
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.2pt">be </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">provided
                                         simultaneously </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">by </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.2pt">the
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">Insurer </FONT><FONT STYLE="font-size: 11pt">to
                                         <FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.45pt">department;
                                         and</FONT></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/98% Univers ATT; margin-top: 6.5pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 166.05pt"></TD><TD STYLE="width: 29.45pt"><FONT STYLE="font-size: 11pt; letter-spacing: -0.4pt">(3)</FONT></TD><TD STYLE="text-align: justify; padding-right: 63.75pt"><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">upon
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">written </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">request
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.3pt">of </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.2pt">the
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">Insured made </FONT><FONT STYLE="font-size: 11pt">to
                                         <FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.5pt">department
                                         </FONT><FONT STYLE="letter-spacing: 0.2pt">within </FONT><FONT STYLE="letter-spacing: 0.25pt">ten
                                         days </FONT><FONT STYLE="letter-spacing: 0.3pt">from </FONT><FONT STYLE="letter-spacing: 0.2pt">the
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">Insured's </FONT><FONT STYLE="letter-spacing: 0.45pt">receipt
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">of notice of </FONT><FONT STYLE="letter-spacing: 0.4pt">cancellation
                                         on </FONT><FONT STYLE="letter-spacing: 0.3pt">this </FONT><FONT STYLE="letter-spacing: 0.45pt">ground,
                                         </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.45pt">department
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">shall </FONT><FONT STYLE="letter-spacing: 0.3pt">undertake
                                         </FONT>a <FONT STYLE="letter-spacing: 0.4pt">review </FONT><FONT STYLE="letter-spacing: 0.35pt">of
                                         </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.5pt">ground
                                         </FONT><FONT STYLE="letter-spacing: 0.2pt">for </FONT><FONT STYLE="letter-spacing: 0.4pt">cancellation
                                         </FONT>to <FONT STYLE="letter-spacing: 0.45pt">determine </FONT><FONT STYLE="letter-spacing: 0.3pt">whether
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">or </FONT><FONT STYLE="letter-spacing: 0.4pt">not
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">Insurer
                                         </FONT><FONT STYLE="letter-spacing: 0.3pt">has satisfied </FONT><FONT STYLE="letter-spacing: 0.15pt">the
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">criteria </FONT><FONT STYLE="letter-spacing: 0.15pt">for
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">cancellation specified </FONT><FONT STYLE="letter-spacing: 0.25pt">in
                                         this </FONT><FONT STYLE="letter-spacing: 0.45pt">subparagraph; </FONT><FONT STYLE="letter-spacing: 0.25pt">if
                                         </FONT><FONT STYLE="letter-spacing: 0.2pt">after </FONT><FONT STYLE="letter-spacing: 0.3pt">such
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">review </FONT><FONT STYLE="letter-spacing: 0.2pt">the
                                         </FONT><FONT STYLE="letter-spacing: 0.45pt">department </FONT><FONT STYLE="letter-spacing: 0.25pt">finds
                                         no </FONT><FONT STYLE="letter-spacing: 0.3pt">sufficient </FONT><FONT STYLE="letter-spacing: 0.35pt">cause
                                         </FONT><FONT STYLE="letter-spacing: 0.15pt">for </FONT><FONT STYLE="letter-spacing: 0.4pt">cancellation
                                         on </FONT><FONT STYLE="letter-spacing: 0.3pt">this </FONT><FONT STYLE="letter-spacing: 0.5pt">ground,
                                         </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">notice
                                         </FONT><FONT STYLE="letter-spacing: 0.3pt">of </FONT><FONT STYLE="letter-spacing: 0.4pt">cancellation
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">on </FONT><FONT STYLE="letter-spacing: 0.25pt">this
                                         </FONT><FONT STYLE="letter-spacing: 0.5pt">ground </FONT><FONT STYLE="letter-spacing: 0.4pt">shall
                                         be </FONT><FONT STYLE="letter-spacing: 0.55pt">deemed </FONT><FONT STYLE="letter-spacing: 0.35pt">null
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">and</FONT> <FONT STYLE="letter-spacing: 0.35pt">void.</FONT></FONT></TD></TR></TABLE>

<P STYLE="font: 10pt/98% Univers ATT; margin: 6pt 71.1pt 0 136.4pt"><FONT STYLE="font-size: 11pt; letter-spacing: 0.3pt">Notice
</FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">of cancellation </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.2pt">by
</FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.15pt">the </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">Insurer
</FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">shall </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.3pt">specify
</FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.15pt">the </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.5pt">grounds
</FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.15pt">for </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">cancellation.</FONT></P>

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<TD STYLE="width: 107.05pt"></TD><TD STYLE="width: 15.4pt"><FONT STYLE="font-size: 11pt">(iii)</FONT></TD><TD></TD></TR></TABLE>

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<TD STYLE="width: 136.5pt"></TD><TD STYLE="width: 29.5pt"><FONT STYLE="font-size: 11pt; letter-spacing: -0.3pt">(A)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.5pt"><FONT STYLE="font-size: 11pt; letter-spacing: 0.1pt">The
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">Insurer </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">shall
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">mail </FONT><FONT STYLE="font-size: 11pt">to
                                         <FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">Insured,
                                         </FONT><FONT STYLE="letter-spacing: 0.3pt">and </FONT>to <FONT STYLE="letter-spacing: 0.3pt">his
                                         </FONT><FONT STYLE="letter-spacing: 0.4pt">authorized insurance </FONT><FONT STYLE="letter-spacing: 0.45pt">agent
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">or </FONT><FONT STYLE="letter-spacing: 0.4pt">broker,
                                         </FONT><FONT STYLE="letter-spacing: 0.25pt">written </FONT><FONT STYLE="letter-spacing: 0.35pt">notice
                                         indicating </FONT><FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.25pt">Insurer's
                                         </FONT><FONT STYLE="letter-spacing: 0.45pt">intention:</FONT></FONT></TD></TR></TABLE>

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<TD STYLE="width: 165.95pt"></TD><TD STYLE="width: 29.5pt"><FONT STYLE="font-size: 11pt; letter-spacing: -0.4pt">(1)</FONT></TD><TD><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">not
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.1pt">to </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">renew
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.3pt">this</FONT> <FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">policy;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/98% Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 166.05pt"></TD><TD STYLE="width: 29.45pt"><FONT STYLE="font-size: 11pt; letter-spacing: -0.4pt">(2)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.4pt"><FONT STYLE="font-size: 11pt; letter-spacing: 0.1pt">to
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">condition </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.2pt">its
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">renewal </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">upon
                                         change </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">of </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">limits,
                                         change </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.2pt">in type </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">of
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">coverage, </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">reduction
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">of </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">coverage,
                                         increased </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">deductible </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">or
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">addition of exclusions </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.35pt">or
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">upon </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">increased
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.55pt">premiums </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.2pt">in
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.3pt">excess </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">of
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">ten </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">percent;
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">(exclusive </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.4pt">of
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.25pt">any </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.5pt">premium
                                         </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.45pt">increase generated </FONT><FONT STYLE="font-size: 11pt; letter-spacing: 0.2pt">as
                                         </FONT><FONT STYLE="font-size: 11pt">a <FONT STYLE="letter-spacing: 0.4pt">result </FONT><FONT STYLE="letter-spacing: 0.3pt">of
                                         </FONT><FONT STYLE="letter-spacing: 0.45pt">increased </FONT><FONT STYLE="letter-spacing: 0.4pt">exposure
                                         </FONT><FONT STYLE="letter-spacing: 0.3pt">units </FONT><FONT STYLE="letter-spacing: 0.35pt">or
                                         </FONT><FONT STYLE="letter-spacing: 0.2pt">as </FONT>a <FONT STYLE="letter-spacing: 0.45pt">result
                                         </FONT><FONT STYLE="letter-spacing: 0.35pt">of experience </FONT><FONT STYLE="letter-spacing: 0.4pt">rating,
                                         </FONT><FONT STYLE="letter-spacing: 0.45pt">loss </FONT><FONT STYLE="letter-spacing: 0.35pt">rating,
                                         or</FONT> <FONT STYLE="letter-spacing: 0.25pt">audit);</FONT></FONT></TD></TR></TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">&copy;
    All rights reserved.</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt"><I>1-14180</I></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt"><I>END 015</I></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">69898 (9/06)</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">Page 2 of
    4</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

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                                                                                                                       <TR STYLE="vertical-align: top">
<TD STYLE="width: 166.05pt">&nbsp;</TD><TD STYLE="width: 29.45pt">&nbsp;</TD><TD STYLE="text-align: justify; padding-right: 64.4pt">&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

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    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>15</I></P></TD>
    <TD STYLE="width: 33%">(Continued)<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"></P></TD></TR>
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<P STYLE="margin: 0"></P>

<P></P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>&nbsp;</I></B></P>


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<TD STYLE="width: 166.05pt"></TD><TD STYLE="width: 29.45pt"><FONT STYLE="letter-spacing: -0.4pt">(3)</FONT></TD><TD STYLE="text-align: justify; padding-right: 63.6pt"><FONT STYLE="letter-spacing: 0.25pt">that the </FONT><FONT STYLE="letter-spacing: 0.4pt">policy
</FONT><FONT STYLE="letter-spacing: 0.25pt">will </FONT><FONT STYLE="letter-spacing: 0.4pt">not </FONT><FONT STYLE="letter-spacing: 0.3pt">be
</FONT><FONT STYLE="letter-spacing: 0.4pt">renewed </FONT><FONT STYLE="letter-spacing: 0.35pt">or </FONT><FONT STYLE="letter-spacing: 0.2pt">will
</FONT><FONT STYLE="letter-spacing: 0.4pt">not </FONT><FONT STYLE="letter-spacing: 0.25pt">be </FONT><FONT STYLE="letter-spacing: 0.4pt">renewed
</FONT><FONT STYLE="letter-spacing: 0.45pt">upon </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.45pt">same
terms, conditions </FONT><FONT STYLE="letter-spacing: 0.4pt">or </FONT><FONT STYLE="letter-spacing: 0.35pt">rates; such alternative
renewal notice </FONT><FONT STYLE="letter-spacing: 0.45pt">must </FONT><FONT STYLE="letter-spacing: 0.25pt">be </FONT><FONT STYLE="letter-spacing: 0.45pt">mailed
</FONT><FONT STYLE="letter-spacing: 0.35pt">or </FONT><FONT STYLE="letter-spacing: 0.45pt">delivered </FONT><FONT STYLE="letter-spacing: 0.35pt">on
</FONT>a <FONT STYLE="letter-spacing: 0.4pt">timely </FONT><FONT STYLE="letter-spacing: 0.45pt">basis </FONT><FONT STYLE="letter-spacing: 0.3pt">and
</FONT><FONT STYLE="letter-spacing: 0.35pt">advise </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">Insured
</FONT><FONT STYLE="letter-spacing: 0.2pt">that </FONT>a <FONT STYLE="letter-spacing: 0.45pt">second </FONT><FONT STYLE="letter-spacing: 0.35pt">notice
shall </FONT><FONT STYLE="letter-spacing: 0.2pt">be </FONT><FONT STYLE="letter-spacing: 0.45pt">mailed </FONT><FONT STYLE="letter-spacing: 0.25pt">at
</FONT>a <FONT STYLE="letter-spacing: 0.3pt">later </FONT><FONT STYLE="letter-spacing: 0.2pt">date </FONT><FONT STYLE="letter-spacing: 0.35pt">indicating
</FONT><FONT STYLE="letter-spacing: 0.25pt">the Insurer's </FONT><FONT STYLE="letter-spacing: 0.4pt">intention </FONT><FONT STYLE="letter-spacing: 0.2pt">as
</FONT><FONT STYLE="letter-spacing: 0.35pt">specified </FONT><FONT STYLE="letter-spacing: 0.3pt">in </FONT><FONT STYLE="letter-spacing: 0.45pt">subparagraph
</FONT>(1) <FONT STYLE="letter-spacing: 0.35pt">or </FONT>(2) <FONT STYLE="letter-spacing: 0.35pt">of </FONT><FONT STYLE="letter-spacing: 0.2pt">this
</FONT><FONT STYLE="letter-spacing: 0.4pt">paragraph </FONT>(A) <FONT STYLE="letter-spacing: 0.3pt">and that </FONT><FONT STYLE="letter-spacing: 0.45pt">coverage
</FONT><FONT STYLE="letter-spacing: 0.35pt">shall </FONT><FONT STYLE="letter-spacing: 0.4pt">continue </FONT><FONT STYLE="letter-spacing: 0.35pt">on
</FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.45pt">same terms, </FONT><FONT STYLE="letter-spacing: 0.4pt">conditions
</FONT><FONT STYLE="letter-spacing: 0.45pt">and </FONT><FONT STYLE="letter-spacing: 0.35pt">rates </FONT><FONT STYLE="letter-spacing: 0.2pt">as
</FONT><FONT STYLE="letter-spacing: 0.4pt">expiring, </FONT><FONT STYLE="letter-spacing: 0.3pt">until </FONT><FONT STYLE="letter-spacing: 0.2pt">the
</FONT><FONT STYLE="letter-spacing: 0.3pt">later </FONT><FONT STYLE="letter-spacing: 0.35pt">of </FONT><FONT STYLE="letter-spacing: 0.25pt">the
</FONT><FONT STYLE="letter-spacing: 0.35pt">expiration </FONT><FONT STYLE="letter-spacing: 0.25pt">date </FONT><FONT STYLE="letter-spacing: 0.35pt">or</FONT>
<FONT STYLE="letter-spacing: 0.15pt">sixty</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt/98% Univers ATT; margin: 0 63.85pt 0 195.45pt; text-align: justify">(60) <FONT STYLE="letter-spacing: 0.25pt">days
</FONT><FONT STYLE="letter-spacing: 0.2pt">after </FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.45pt">second
</FONT><FONT STYLE="letter-spacing: 0.35pt">notice </FONT><FONT STYLE="letter-spacing: 0.25pt">is </FONT><FONT STYLE="letter-spacing: 0.45pt">mailed
</FONT><FONT STYLE="letter-spacing: 0.35pt">or </FONT><FONT STYLE="letter-spacing: 0.45pt">delivered; </FONT><FONT STYLE="letter-spacing: 0.35pt">such
alternative </FONT><FONT STYLE="letter-spacing: 0.4pt">renewal notice </FONT><FONT STYLE="letter-spacing: 0.35pt">also </FONT><FONT STYLE="letter-spacing: 0.4pt">shall
</FONT><FONT STYLE="letter-spacing: 0.3pt">advise </FONT><FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">insured
</FONT><FONT STYLE="letter-spacing: 0.35pt">of </FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">availability
</FONT><FONT STYLE="letter-spacing: 0.4pt">of loss information </FONT><FONT STYLE="letter-spacing: 0.35pt">and, </FONT><FONT STYLE="letter-spacing: 0.45pt">upon
</FONT><FONT STYLE="letter-spacing: 0.25pt">written </FONT><FONT STYLE="letter-spacing: 0.4pt">request, </FONT><FONT STYLE="letter-spacing: 0.2pt">the
</FONT><FONT STYLE="letter-spacing: 0.4pt">request, </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.45pt">insurer
</FONT><FONT STYLE="letter-spacing: 0.35pt">shall furnish </FONT><FONT STYLE="letter-spacing: 0.3pt">such </FONT><FONT STYLE="letter-spacing: 0.4pt">loss
</FONT><FONT STYLE="letter-spacing: 0.45pt">information </FONT><FONT STYLE="letter-spacing: 0.3pt">within ten </FONT><FONT STYLE="letter-spacing: -0.15pt">(10)
</FONT><FONT STYLE="letter-spacing: 0.25pt">days </FONT>to <FONT STYLE="letter-spacing: 0.15pt">the</FONT> <FONT STYLE="letter-spacing: 0.45pt">insured.</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/98% Univers ATT; margin-top: 6.05pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 136.5pt"></TD><TD STYLE="width: 29.5pt"><FONT STYLE="letter-spacing: -0.3pt">(B)</FONT></TD><TD STYLE="text-align: justify; padding-right: 63.95pt">A <FONT STYLE="letter-spacing: 0.4pt">nonrenewal </FONT><FONT STYLE="letter-spacing: 0.35pt">notice
</FONT><FONT STYLE="letter-spacing: 0.2pt">as </FONT><FONT STYLE="letter-spacing: 0.35pt">specified </FONT><FONT STYLE="letter-spacing: 0.2pt">in
</FONT><FONT STYLE="letter-spacing: 0.45pt">subparagraph </FONT>(1), a <FONT STYLE="letter-spacing: 0.4pt">conditional </FONT><FONT STYLE="letter-spacing: 0.35pt">renewal
notice </FONT><FONT STYLE="letter-spacing: 0.2pt">as </FONT><FONT STYLE="letter-spacing: 0.4pt">specified </FONT><FONT STYLE="letter-spacing: 0.25pt">in
</FONT><FONT STYLE="letter-spacing: 0.45pt">subparagraph </FONT>(2), <FONT STYLE="letter-spacing: 0.3pt">and </FONT><FONT STYLE="letter-spacing: 0.2pt">the
</FONT><FONT STYLE="letter-spacing: 0.55pt">second </FONT><FONT STYLE="letter-spacing: 0.35pt">notice </FONT><FONT STYLE="letter-spacing: 0.45pt">described
</FONT><FONT STYLE="letter-spacing: 0.2pt">in </FONT><FONT STYLE="letter-spacing: 0.45pt">subparagraph </FONT>(3) <FONT STYLE="letter-spacing: 0.4pt">of
</FONT><FONT STYLE="letter-spacing: 0.45pt">paragraph </FONT>(A) <FONT STYLE="letter-spacing: 0.3pt">of </FONT><FONT STYLE="letter-spacing: 0.25pt">this
</FONT><FONT STYLE="letter-spacing: 0.4pt">subsection </FONT><FONT STYLE="letter-spacing: 0.3pt">(iii) </FONT><FONT STYLE="letter-spacing: 0.4pt">shall
</FONT><FONT STYLE="letter-spacing: 0.35pt">contain </FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">specific
</FONT><FONT STYLE="letter-spacing: 0.45pt">reason </FONT><FONT STYLE="letter-spacing: 0.4pt">or </FONT><FONT STYLE="letter-spacing: 0.45pt">reasons
</FONT><FONT STYLE="letter-spacing: 0.35pt">for </FONT><FONT STYLE="letter-spacing: 0.4pt">nonrenewal or conditional </FONT><FONT STYLE="letter-spacing: 0.35pt">renewal,
</FONT><FONT STYLE="letter-spacing: 0.3pt">and </FONT><FONT STYLE="letter-spacing: 0.35pt">set </FONT><FONT STYLE="letter-spacing: 0.25pt">forth
</FONT><FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.5pt">amount </FONT><FONT STYLE="letter-spacing: 0.35pt">of
</FONT><FONT STYLE="letter-spacing: 0.3pt">any </FONT><FONT STYLE="letter-spacing: 0.45pt">premium </FONT><FONT STYLE="letter-spacing: 0.4pt">increase
</FONT><FONT STYLE="letter-spacing: 0.3pt">and nature </FONT><FONT STYLE="letter-spacing: 0.35pt">of </FONT><FONT STYLE="letter-spacing: 0.25pt">any
</FONT><FONT STYLE="letter-spacing: 0.4pt">other </FONT><FONT STYLE="letter-spacing: 0.5pt">proposed</FONT> <FONT STYLE="letter-spacing: 0.45pt">changes.</FONT></TD></TR></TABLE>

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<TD STYLE="width: 136.5pt"></TD><TD STYLE="width: 29.5pt"><FONT STYLE="letter-spacing: -0.3pt">(C)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.1pt"><FONT STYLE="letter-spacing: 0.1pt">The </FONT><FONT STYLE="letter-spacing: 0.35pt">notice
</FONT><FONT STYLE="letter-spacing: 0.45pt">required </FONT><FONT STYLE="letter-spacing: 0.25pt">by </FONT><FONT STYLE="letter-spacing: 0.45pt">paragraph
</FONT>(A) <FONT STYLE="letter-spacing: 0.3pt">of </FONT><FONT STYLE="letter-spacing: 0.25pt">this </FONT><FONT STYLE="letter-spacing: 0.45pt">subsection
</FONT><FONT STYLE="letter-spacing: 0.3pt">(iii) </FONT><FONT STYLE="letter-spacing: 0.4pt">shall </FONT><FONT STYLE="letter-spacing: 0.3pt">be
</FONT><FONT STYLE="letter-spacing: 0.45pt">mailed </FONT><FONT STYLE="letter-spacing: 0.2pt">at </FONT><FONT STYLE="letter-spacing: 0.35pt">least
</FONT><FONT STYLE="letter-spacing: 0.15pt">sixty </FONT><FONT STYLE="letter-spacing: -0.2pt">(60) </FONT><FONT STYLE="letter-spacing: 0.35pt">but
</FONT><FONT STYLE="letter-spacing: 0.4pt">not </FONT><FONT STYLE="letter-spacing: 0.5pt">more </FONT><FONT STYLE="letter-spacing: 0.25pt">than
</FONT><FONT STYLE="letter-spacing: 0.4pt">one hundred</FONT> <FONT STYLE="letter-spacing: 0.2pt">twenty</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt/12pt Univers ATT; margin: 0 0 0 165.95pt"><FONT STYLE="letter-spacing: -0.2pt">(120) </FONT><FONT STYLE="letter-spacing: 0.3pt">days
</FONT><FONT STYLE="letter-spacing: 0.2pt">in </FONT><FONT STYLE="letter-spacing: 0.3pt">advance </FONT><FONT STYLE="letter-spacing: 0.35pt">of
</FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">end </FONT><FONT STYLE="letter-spacing: 0.4pt">of
</FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">Policy</FONT> <FONT STYLE="letter-spacing: 0.45pt">Period.</FONT></P>

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<TD STYLE="width: 136.5pt"></TD><TD STYLE="width: 14.15pt"><FONT STYLE="letter-spacing: -0.3pt">(D)</FONT></TD><TD></TD></TR></TABLE>

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<TD STYLE="width: 166.05pt"></TD><TD STYLE="width: 29.45pt"><FONT STYLE="letter-spacing: -0.4pt">(1)</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.25pt">If <FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">Insurer
</FONT><FONT STYLE="letter-spacing: 0.5pt">employs </FONT><FONT STYLE="letter-spacing: 0.2pt">an </FONT><FONT STYLE="letter-spacing: 0.35pt">alternative
renewal notice </FONT><FONT STYLE="letter-spacing: 0.2pt">as </FONT><FONT STYLE="letter-spacing: 0.45pt">authorized </FONT><FONT STYLE="letter-spacing: 0.2pt">by
</FONT><FONT STYLE="letter-spacing: 0.45pt">subparagraph </FONT>(3) <FONT STYLE="letter-spacing: 0.4pt">of </FONT><FONT STYLE="letter-spacing: 0.45pt">paragraph
</FONT>(A) <FONT STYLE="letter-spacing: 0.35pt">of </FONT><FONT STYLE="letter-spacing: 0.3pt">this </FONT><FONT STYLE="letter-spacing: 0.45pt">subsection
</FONT><FONT STYLE="letter-spacing: 0.25pt">(iii), the </FONT><FONT STYLE="letter-spacing: 0.35pt">Insurer shall </FONT><FONT STYLE="letter-spacing: 0.4pt">provide
</FONT><FONT STYLE="letter-spacing: 0.45pt">coverage </FONT><FONT STYLE="letter-spacing: 0.35pt">on </FONT><FONT STYLE="letter-spacing: 0.25pt">the
</FONT><FONT STYLE="letter-spacing: 0.45pt">same terms, conditions, </FONT><FONT STYLE="letter-spacing: 0.3pt">and rates </FONT><FONT STYLE="letter-spacing: 0.2pt">as
the </FONT><FONT STYLE="letter-spacing: 0.35pt">expiring </FONT><FONT STYLE="letter-spacing: 0.4pt">policy, until </FONT><FONT STYLE="letter-spacing: 0.2pt">the
</FONT><FONT STYLE="letter-spacing: 0.3pt">later </FONT><FONT STYLE="letter-spacing: 0.35pt">of </FONT><FONT STYLE="letter-spacing: 0.25pt">the
</FONT><FONT STYLE="letter-spacing: 0.35pt">expiration </FONT><FONT STYLE="letter-spacing: 0.25pt">date </FONT><FONT STYLE="letter-spacing: 0.35pt">or
</FONT><FONT STYLE="letter-spacing: 0.15pt">sixty </FONT><FONT STYLE="letter-spacing: -0.15pt">(60) </FONT><FONT STYLE="letter-spacing: 0.25pt">days
</FONT><FONT STYLE="letter-spacing: 0.2pt">after </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.45pt">mailing
</FONT><FONT STYLE="letter-spacing: 0.3pt">of </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.45pt">second
</FONT><FONT STYLE="letter-spacing: 0.35pt">notice </FONT><FONT STYLE="letter-spacing: 0.45pt">described </FONT><FONT STYLE="letter-spacing: 0.2pt">in
</FONT><FONT STYLE="letter-spacing: 0.35pt">such</FONT> <FONT STYLE="letter-spacing: 0.45pt">subparagraph.</FONT></TD></TR></TABLE>

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<TD STYLE="width: 166.05pt"></TD><TD STYLE="width: 29.45pt"><FONT STYLE="letter-spacing: -0.4pt">(2)</FONT></TD><TD STYLE="text-align: justify; padding-right: 63.75pt"><FONT STYLE="letter-spacing: 0.4pt">Prior </FONT>to <FONT STYLE="letter-spacing: 0.15pt">the
</FONT><FONT STYLE="letter-spacing: 0.35pt">expiration </FONT><FONT STYLE="letter-spacing: 0.25pt">date </FONT><FONT STYLE="letter-spacing: 0.35pt">of
</FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">policy, </FONT><FONT STYLE="letter-spacing: 0.3pt">in
</FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">event </FONT><FONT STYLE="letter-spacing: 0.25pt">that
</FONT><FONT STYLE="letter-spacing: 0.2pt">an </FONT><FONT STYLE="letter-spacing: 0.45pt">incomplete </FONT><FONT STYLE="letter-spacing: 0.35pt">or
</FONT><FONT STYLE="letter-spacing: 0.2pt">late </FONT><FONT STYLE="letter-spacing: 0.4pt">conditional </FONT><FONT STYLE="letter-spacing: 0.35pt">renewal
notice </FONT><FONT STYLE="letter-spacing: 0.3pt">or </FONT>a <FONT STYLE="letter-spacing: 0.25pt">late </FONT><FONT STYLE="letter-spacing: 0.4pt">nonrenewal
</FONT><FONT STYLE="letter-spacing: 0.35pt">notice </FONT><FONT STYLE="letter-spacing: 0.2pt">is </FONT><FONT STYLE="letter-spacing: 0.4pt">provided
</FONT><FONT STYLE="letter-spacing: 0.2pt">by </FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">Insurer,
</FONT><FONT STYLE="letter-spacing: 0.15pt">the</FONT> <FONT STYLE="letter-spacing: 0.35pt">Policy </FONT><FONT STYLE="letter-spacing: 0.45pt">Period
</FONT><FONT STYLE="letter-spacing: 0.35pt">shall </FONT><FONT STYLE="letter-spacing: 0.25pt">be </FONT><FONT STYLE="letter-spacing: 0.35pt">extended,
</FONT><FONT STYLE="letter-spacing: 0.2pt">at </FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.45pt">same
terms </FONT><FONT STYLE="letter-spacing: 0.3pt">and</FONT> <FONT STYLE="letter-spacing: 0.4pt">conditions </FONT><FONT STYLE="letter-spacing: 0.25pt">as
</FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">expiring </FONT><FONT STYLE="letter-spacing: 0.4pt">policy,
</FONT><FONT STYLE="letter-spacing: 0.3pt">except </FONT><FONT STYLE="letter-spacing: 0.2pt">that </FONT><FONT STYLE="letter-spacing: 0.25pt">the
</FONT><FONT STYLE="letter-spacing: 0.35pt">annual </FONT><FONT STYLE="letter-spacing: 0.45pt">aggregate </FONT><FONT STYLE="letter-spacing: 0.55pt">limit
</FONT><FONT STYLE="letter-spacing: 0.35pt">of </FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">expiring
</FONT><FONT STYLE="letter-spacing: 0.4pt">policy </FONT><FONT STYLE="letter-spacing: 0.35pt">shall </FONT><FONT STYLE="letter-spacing: 0.2pt">be
</FONT><FONT STYLE="letter-spacing: 0.45pt">increased </FONT><FONT STYLE="letter-spacing: 0.2pt">in </FONT><FONT STYLE="letter-spacing: 0.5pt">proportion
</FONT>to <FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.45pt">policy </FONT><FONT STYLE="letter-spacing: 0.4pt">extension,
</FONT><FONT STYLE="letter-spacing: 0.3pt">and </FONT><FONT STYLE="letter-spacing: 0.2pt">at </FONT><FONT STYLE="letter-spacing: 0.15pt">the
</FONT><FONT STYLE="letter-spacing: 0.3pt">lower </FONT><FONT STYLE="letter-spacing: 0.35pt">of </FONT><FONT STYLE="letter-spacing: 0.2pt">the
</FONT><FONT STYLE="letter-spacing: 0.45pt">current </FONT><FONT STYLE="letter-spacing: 0.3pt">rates </FONT><FONT STYLE="letter-spacing: 0.35pt">or
</FONT><FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.45pt">prior </FONT><FONT STYLE="letter-spacing: 0.3pt">period's
</FONT><FONT STYLE="letter-spacing: 0.35pt">rates, </FONT><FONT STYLE="letter-spacing: 0.3pt">until </FONT><FONT STYLE="letter-spacing: 0.15pt">sixty
</FONT>(60) <FONT STYLE="letter-spacing: 0.25pt">days </FONT><FONT STYLE="letter-spacing: 0.2pt">after </FONT><FONT STYLE="letter-spacing: 0.35pt">such
notice </FONT><FONT STYLE="letter-spacing: 0.2pt">is </FONT><FONT STYLE="letter-spacing: 0.5pt">mailed, </FONT><FONT STYLE="letter-spacing: 0.45pt">unless
</FONT><FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">Insured elects </FONT>to <FONT STYLE="letter-spacing: 0.35pt">cancel</FONT>
<FONT STYLE="letter-spacing: 0.5pt">sooner.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/98% Univers ATT; margin-top: 6.1pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 166.05pt"></TD><TD STYLE="width: 29.45pt"><FONT STYLE="letter-spacing: -0.4pt">(3)</FONT></TD><TD STYLE="text-align: justify; padding-right: 63.95pt">In <FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">event
</FONT><FONT STYLE="letter-spacing: 0.2pt">that </FONT>a <FONT STYLE="letter-spacing: 0.25pt">late </FONT><FONT STYLE="letter-spacing: 0.4pt">conditional
</FONT><FONT STYLE="letter-spacing: 0.35pt">renewal notice or </FONT>a <FONT STYLE="letter-spacing: 0.25pt">late </FONT><FONT STYLE="letter-spacing: 0.4pt">nonrenewal
</FONT><FONT STYLE="letter-spacing: 0.35pt">notice </FONT><FONT STYLE="letter-spacing: 0.25pt">is </FONT><FONT STYLE="letter-spacing: 0.45pt">provided
</FONT><FONT STYLE="letter-spacing: 0.25pt">by </FONT><FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">insurer
</FONT><FONT STYLE="letter-spacing: 0.35pt">on or </FONT><FONT STYLE="letter-spacing: 0.2pt">after the </FONT><FONT STYLE="letter-spacing: 0.35pt">expiration
</FONT><FONT STYLE="letter-spacing: 0.2pt">date </FONT><FONT STYLE="letter-spacing: 0.3pt">of </FONT><FONT STYLE="letter-spacing: 0.25pt">the
</FONT><FONT STYLE="letter-spacing: 0.4pt">policy, </FONT><FONT STYLE="letter-spacing: 0.45pt">coverage </FONT><FONT STYLE="letter-spacing: 0.35pt">shall
</FONT><FONT STYLE="letter-spacing: 0.5pt">remain </FONT><FONT STYLE="letter-spacing: 0.2pt">in effect </FONT><FONT STYLE="letter-spacing: 0.35pt">on
</FONT><FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.45pt">same </FONT><FONT STYLE="letter-spacing: 0.4pt">terms
</FONT><FONT STYLE="letter-spacing: 0.25pt">and </FONT><FONT STYLE="letter-spacing: 0.45pt">conditions </FONT><FONT STYLE="letter-spacing: 0.35pt">of
</FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">expiring </FONT><FONT STYLE="letter-spacing: 0.45pt">policy
</FONT><FONT STYLE="letter-spacing: 0.2pt">for </FONT><FONT STYLE="letter-spacing: 0.4pt">another </FONT><FONT STYLE="letter-spacing: 0.45pt">required
</FONT><FONT STYLE="letter-spacing: 0.4pt">policy </FONT><FONT STYLE="letter-spacing: 0.45pt">period, </FONT><FONT STYLE="letter-spacing: 0.3pt">and</FONT>
<FONT STYLE="letter-spacing: 0.2pt">at </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">lower
</FONT><FONT STYLE="letter-spacing: 0.3pt">of </FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.45pt">current
</FONT><FONT STYLE="letter-spacing: 0.3pt">rates or </FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">prior
</FONT><FONT STYLE="letter-spacing: 0.3pt">period's </FONT><FONT STYLE="letter-spacing: 0.35pt">rates </FONT><FONT STYLE="letter-spacing: 0.4pt">unless
</FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.5pt">insured </FONT><FONT STYLE="letter-spacing: 0.4pt">during
</FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">additional </FONT><FONT STYLE="letter-spacing: 0.45pt">required
</FONT><FONT STYLE="letter-spacing: 0.4pt">policy </FONT><FONT STYLE="letter-spacing: 0.45pt">period </FONT><FONT STYLE="letter-spacing: 0.3pt">has
</FONT><FONT STYLE="letter-spacing: 0.4pt">replaced </FONT><FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.45pt">coverage
</FONT><FONT STYLE="letter-spacing: 0.3pt">or </FONT><FONT STYLE="letter-spacing: 0.35pt">elects </FONT><FONT STYLE="letter-spacing: 0.1pt">to
</FONT><FONT STYLE="letter-spacing: 0.4pt">cancel, </FONT><FONT STYLE="letter-spacing: 0.25pt">in which </FONT><FONT STYLE="letter-spacing: 0.35pt">event
</FONT><FONT STYLE="letter-spacing: 0.3pt">such </FONT><FONT STYLE="letter-spacing: 0.4pt">cancellation </FONT><FONT STYLE="letter-spacing: 0.35pt">shall
</FONT><FONT STYLE="letter-spacing: 0.25pt">be </FONT><FONT STYLE="letter-spacing: 0.35pt">on </FONT>a <FONT STYLE="letter-spacing: 0.35pt">pro
</FONT><FONT STYLE="letter-spacing: 0.3pt">rata </FONT><FONT STYLE="letter-spacing: 0.5pt">premium</FONT> <FONT STYLE="letter-spacing: 0.4pt">basis.</FONT></TD></TR></TABLE>

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<TD STYLE="width: 107.1pt"></TD><TD STYLE="width: 29.35pt">(iv)</TD><TD STYLE="text-align: justify; padding-right: 64.35pt"><FONT STYLE="letter-spacing: 0.35pt">Nothing </FONT><FONT STYLE="letter-spacing: 0.45pt">herein
</FONT><FONT STYLE="letter-spacing: 0.4pt">shall </FONT><FONT STYLE="letter-spacing: 0.2pt">be </FONT><FONT STYLE="letter-spacing: 0.4pt">construed
</FONT>to <FONT STYLE="letter-spacing: 0.45pt">limit </FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.45pt">grounds
</FONT><FONT STYLE="letter-spacing: 0.2pt">for </FONT><FONT STYLE="letter-spacing: 0.25pt">which the </FONT><FONT STYLE="letter-spacing: 0.35pt">Insurer
</FONT><FONT STYLE="letter-spacing: 0.4pt">may </FONT><FONT STYLE="letter-spacing: 0.25pt">lawfully </FONT><FONT STYLE="letter-spacing: 0.45pt">rescind
</FONT><FONT STYLE="letter-spacing: 0.25pt">this </FONT><FONT STYLE="letter-spacing: 0.4pt">policy or decline </FONT>to <FONT STYLE="letter-spacing: 0.25pt">pay
</FONT>a <FONT STYLE="letter-spacing: 0.3pt">claim </FONT><FONT STYLE="letter-spacing: 0.4pt">under </FONT><FONT STYLE="letter-spacing: 0.25pt">this</FONT>
<FONT STYLE="letter-spacing: 0.35pt">policy.</FONT></TD></TR></TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">&copy;
    All rights reserved.</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt"><I>1-14180</I></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt"><I>END 015</I></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">69898 (9/06)</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">Page 3 of
    4</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>15</I></P></TD>
    <TD STYLE="width: 33%">(Continued)<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"></P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>&nbsp;</I></B></P>


<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/98% Univers ATT; margin-top: 2.1pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 107pt"></TD><TD STYLE="width: 29.4pt">(v)</TD><TD STYLE="padding-right: 64.25pt"><FONT STYLE="letter-spacing: 0.3pt">Notice </FONT><FONT STYLE="letter-spacing: 0.45pt">required
herein </FONT>to <FONT STYLE="letter-spacing: 0.25pt">be </FONT><FONT STYLE="letter-spacing: 0.45pt">mailed </FONT>to <FONT STYLE="letter-spacing: 0.15pt">the
</FONT><FONT STYLE="letter-spacing: 0.35pt">Insured shall </FONT><FONT STYLE="letter-spacing: 0.25pt">be </FONT><FONT STYLE="letter-spacing: 0.45pt">mailed
</FONT>to <FONT STYLE="letter-spacing: 0.3pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">Insured </FONT><FONT STYLE="letter-spacing: 0.2pt">at
</FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">address </FONT><FONT STYLE="letter-spacing: 0.35pt">shown
</FONT><FONT STYLE="letter-spacing: 0.2pt">in Item </FONT>1 <FONT STYLE="letter-spacing: 0.3pt">of </FONT><FONT STYLE="letter-spacing: 0.15pt">the</FONT>
<FONT STYLE="letter-spacing: 0.4pt">Declarations.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt/98% Univers ATT; margin: 6.5pt 63.85pt 0 136.4pt; text-align: justify"><FONT STYLE="letter-spacing: 0.3pt">Notice
</FONT><FONT STYLE="letter-spacing: 0.45pt">required herein </FONT><FONT STYLE="letter-spacing: 0.1pt">to </FONT><FONT STYLE="letter-spacing: 0.2pt">be
</FONT><FONT STYLE="letter-spacing: 0.45pt">mailed </FONT><FONT STYLE="letter-spacing: 0.2pt">by </FONT><FONT STYLE="letter-spacing: 0.15pt">the
</FONT><FONT STYLE="letter-spacing: 0.35pt">Insurer shall </FONT><FONT STYLE="letter-spacing: 0.3pt">be </FONT><FONT STYLE="letter-spacing: 0.35pt">sent
</FONT><FONT STYLE="letter-spacing: 0.25pt">by </FONT><FONT STYLE="letter-spacing: 0.45pt">registered, </FONT><FONT STYLE="letter-spacing: 0.3pt">certified
</FONT><FONT STYLE="letter-spacing: 0.35pt">or other </FONT><FONT STYLE="letter-spacing: 0.25pt">first </FONT><FONT STYLE="letter-spacing: 0.3pt">class
</FONT><FONT STYLE="letter-spacing: 0.45pt">mail. </FONT><FONT STYLE="letter-spacing: 0.4pt">Delivery </FONT><FONT STYLE="letter-spacing: 0.35pt">of
</FONT><FONT STYLE="letter-spacing: 0.25pt">written </FONT><FONT STYLE="letter-spacing: 0.35pt">notice shall </FONT><FONT STYLE="letter-spacing: 0.2pt">be
</FONT><FONT STYLE="letter-spacing: 0.4pt">equivalent </FONT><FONT STYLE="letter-spacing: 0.1pt">to</FONT> <FONT STYLE="letter-spacing: 0.5pt">mailing.</FONT></P>

<P STYLE="font: 10pt/98% Univers ATT; margin: 6.25pt 62.9pt 0 136.4pt; text-align: justify"><FONT STYLE="letter-spacing: 0.4pt">Proof
</FONT><FONT STYLE="letter-spacing: 0.35pt">of </FONT><FONT STYLE="letter-spacing: 0.45pt">mailing </FONT><FONT STYLE="letter-spacing: 0.3pt">of
</FONT><FONT STYLE="letter-spacing: 0.35pt">such notice </FONT><FONT STYLE="letter-spacing: 0.2pt">as </FONT><FONT STYLE="letter-spacing: 0.35pt">aforesaid
shall </FONT><FONT STYLE="letter-spacing: 0.3pt">be sufficient </FONT><FONT STYLE="letter-spacing: 0.45pt">proof </FONT><FONT STYLE="letter-spacing: 0.75pt">of
</FONT><FONT STYLE="letter-spacing: 0.4pt">notice. </FONT><FONT STYLE="letter-spacing: 0.1pt">The </FONT><FONT STYLE="letter-spacing: 0.4pt">Policy
</FONT><FONT STYLE="letter-spacing: 0.45pt">Period </FONT><FONT STYLE="letter-spacing: 0.35pt">shall </FONT><FONT STYLE="letter-spacing: 0.4pt">terminate
</FONT><FONT STYLE="letter-spacing: 0.2pt">at the effective </FONT><FONT STYLE="letter-spacing: 0.25pt">date and </FONT><FONT STYLE="letter-spacing: 0.45pt">hour
</FONT><FONT STYLE="letter-spacing: 0.3pt">of</FONT> <FONT STYLE="letter-spacing: 0.4pt">cancellation</FONT> <FONT STYLE="letter-spacing: 0.35pt">or</FONT>
<FONT STYLE="letter-spacing: 0.4pt">nonrenewal</FONT> <FONT STYLE="letter-spacing: 0.35pt">specified</FONT> <FONT STYLE="letter-spacing: 0.2pt">in</FONT>
<FONT STYLE="letter-spacing: 0.35pt">such notice.</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/98% Univers ATT; margin-top: 6.45pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 107.1pt"></TD><TD STYLE="width: 29.35pt">(vi)</TD><TD STYLE="padding-right: 64.5pt">If <FONT STYLE="letter-spacing: 0.25pt">this </FONT><FONT STYLE="letter-spacing: 0.45pt">policy
</FONT><FONT STYLE="letter-spacing: 0.35pt">shall </FONT><FONT STYLE="letter-spacing: 0.25pt">be </FONT><FONT STYLE="letter-spacing: 0.4pt">cancelled
</FONT><FONT STYLE="letter-spacing: 0.3pt">by </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">Insured,
</FONT><FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">Insurer shall retain </FONT><FONT STYLE="letter-spacing: 0.15pt">the
</FONT><FONT STYLE="letter-spacing: 0.45pt">customary short </FONT><FONT STYLE="letter-spacing: 0.2pt">rate </FONT><FONT STYLE="letter-spacing: 0.45pt">proportion
</FONT><FONT STYLE="letter-spacing: 0.35pt">of </FONT><FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.5pt">premium</FONT>
<FONT STYLE="letter-spacing: 0.45pt">hereon.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt/98% Univers ATT; margin: 6.3pt 64.15pt 0 136.4pt; text-align: justify">If <FONT STYLE="letter-spacing: 0.25pt">this
</FONT><FONT STYLE="letter-spacing: 0.4pt">policy </FONT><FONT STYLE="letter-spacing: 0.35pt">shall </FONT><FONT STYLE="letter-spacing: 0.25pt">be
</FONT><FONT STYLE="letter-spacing: 0.4pt">cancelled </FONT><FONT STYLE="letter-spacing: 0.25pt">by </FONT><FONT STYLE="letter-spacing: 0.15pt">the
</FONT><FONT STYLE="letter-spacing: 0.4pt">Insurer, </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">Insurer
</FONT><FONT STYLE="letter-spacing: 0.35pt">shall retain the pro </FONT><FONT STYLE="letter-spacing: 0.25pt">rata </FONT><FONT STYLE="letter-spacing: 0.5pt">proportion
</FONT><FONT STYLE="letter-spacing: 0.4pt">of </FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.5pt">premium
hereon.</FONT></P>

<P STYLE="font: 10pt/98% Univers ATT; margin: 6.4pt 64.15pt 0 136.4pt; text-align: justify"><FONT STYLE="letter-spacing: 0.4pt">Payment
or tender </FONT><FONT STYLE="letter-spacing: 0.35pt">of </FONT><FONT STYLE="letter-spacing: 0.3pt">any </FONT><FONT STYLE="letter-spacing: 0.45pt">unearned
</FONT><FONT STYLE="letter-spacing: 0.5pt">premium </FONT><FONT STYLE="letter-spacing: 0.2pt">by </FONT><FONT STYLE="letter-spacing: 0.15pt">the
</FONT><FONT STYLE="letter-spacing: 0.4pt">Insurer </FONT><FONT STYLE="letter-spacing: 0.35pt">shall </FONT><FONT STYLE="letter-spacing: 0.4pt">not
</FONT><FONT STYLE="letter-spacing: 0.2pt">be </FONT>a <FONT STYLE="letter-spacing: 0.4pt">condition </FONT><FONT STYLE="letter-spacing: 0.35pt">of
</FONT><FONT STYLE="letter-spacing: 0.4pt">cancellation, </FONT><FONT STYLE="letter-spacing: 0.3pt">but </FONT><FONT STYLE="letter-spacing: 0.35pt">such
</FONT><FONT STYLE="letter-spacing: 0.4pt">payment shall </FONT><FONT STYLE="letter-spacing: 0.3pt">be </FONT><FONT STYLE="letter-spacing: 0.4pt">made
</FONT><FONT STYLE="letter-spacing: 0.2pt">as </FONT><FONT STYLE="letter-spacing: 0.5pt">soon </FONT><FONT STYLE="letter-spacing: 0.25pt">as
</FONT><FONT STYLE="letter-spacing: 0.35pt">practicable.</FONT></P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 8pt Univers ATT; margin: 0.25pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 1.95pt 0 0 47.95pt">ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS REMAIN UNCHANGED.</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="text-align: right; font: 10pt Univers ATT; margin: 0">&nbsp;<IMG SRC="image_056.jpg" ALT=""></P>

<P STYLE="font: 14pt Univers ATT; margin: 0.05pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 2pt 0 0 342.55pt">AUTHORIZED REPRESENTATIVE</P>

<P STYLE="font: 10pt Univers ATT; margin: 2pt 0 0 342.55pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">&copy;
    All rights reserved.</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt"><I>1-14180</I></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt"><I>END 015</I></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">69898 (9/06)</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">Page 4  of
    4</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>16</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"></P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>&nbsp;</I></B></P>


<P STYLE="font: 10pt Univers ATT; margin: 2pt 0 0 130.2pt">NEW YORK AMENDATORY ENDORSEMENT - NY STATUTE 3420</P>

<P STYLE="font: 5.5pt Univers ATT; margin: 0.4pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt/98% Univers ATT; margin: 2.1pt 62.75pt 0 48pt; text-align: justify"><FONT STYLE="letter-spacing: 0.35pt">Wherever
</FONT><FONT STYLE="letter-spacing: 0.4pt">used </FONT><FONT STYLE="letter-spacing: 0.2pt">in </FONT><FONT STYLE="letter-spacing: 0.25pt">this
</FONT><FONT STYLE="letter-spacing: 0.5pt">endorsement: </FONT><FONT STYLE="letter-spacing: -0.15pt">1) </FONT><FONT STYLE="letter-spacing: -0.3pt">&quot;we&quot;,
</FONT><FONT STYLE="letter-spacing: -0.2pt">&quot;us&quot;, </FONT><FONT STYLE="letter-spacing: 0.15pt">&quot;our&quot; </FONT><FONT STYLE="letter-spacing: 0.3pt">and
</FONT><FONT STYLE="letter-spacing: 0.25pt">&quot;Insurer&quot; </FONT><FONT STYLE="letter-spacing: 0.5pt">mean </FONT><FONT STYLE="letter-spacing: 0.2pt">the
</FONT><FONT STYLE="letter-spacing: 0.4pt">insurance </FONT><FONT STYLE="letter-spacing: 0.45pt">company </FONT><FONT STYLE="letter-spacing: 0.25pt">which
</FONT><FONT STYLE="letter-spacing: 0.4pt">issued </FONT><FONT STYLE="letter-spacing: 0.25pt">this </FONT><FONT STYLE="letter-spacing: 0.4pt">policy;
</FONT><FONT STYLE="letter-spacing: -0.15pt">2) </FONT>&quot;you&quot;, &quot;your&quot;, <FONT STYLE="letter-spacing: 0.25pt">&quot;Insured&quot;
</FONT><FONT STYLE="letter-spacing: 0.3pt">and </FONT><FONT STYLE="letter-spacing: 0.1pt">&quot;first </FONT><FONT STYLE="letter-spacing: 0.45pt">Named
</FONT><FONT STYLE="letter-spacing: 0.4pt">Insured&quot; </FONT><FONT STYLE="letter-spacing: 0.45pt">mean </FONT><FONT STYLE="letter-spacing: 0.25pt">the
</FONT><FONT STYLE="letter-spacing: 0.45pt">Named Corporation, </FONT><FONT STYLE="letter-spacing: 0.4pt">Named </FONT><FONT STYLE="letter-spacing: 0.2pt">Entity,
</FONT><FONT STYLE="letter-spacing: 0.45pt">Named </FONT><FONT STYLE="letter-spacing: 0.4pt">Organization, Named </FONT><FONT STYLE="letter-spacing: 0.45pt">Sponsor,
</FONT><FONT STYLE="letter-spacing: 0.4pt">Named Insured, </FONT><FONT STYLE="letter-spacing: 0.35pt">or </FONT><FONT STYLE="letter-spacing: 0.4pt">Insured
</FONT><FONT STYLE="letter-spacing: 0.3pt">stated </FONT><FONT STYLE="letter-spacing: 0.2pt">in </FONT><FONT STYLE="letter-spacing: 0.15pt">the
</FONT><FONT STYLE="letter-spacing: 0.4pt">declarations </FONT><FONT STYLE="letter-spacing: 0.45pt">page; </FONT><FONT STYLE="letter-spacing: -0.2pt">3)
</FONT><FONT STYLE="letter-spacing: 0.15pt">&quot;other </FONT><FONT STYLE="letter-spacing: 0.35pt">insured(s)&quot; </FONT><FONT STYLE="letter-spacing: 0.5pt">means
</FONT><FONT STYLE="letter-spacing: 0.3pt">all </FONT><FONT STYLE="letter-spacing: 0.35pt">other </FONT><FONT STYLE="letter-spacing: 0.45pt">persons
</FONT><FONT STYLE="letter-spacing: 0.35pt">or entities </FONT><FONT STYLE="letter-spacing: 0.3pt">afforded </FONT><FONT STYLE="letter-spacing: 0.45pt">coverage
under </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">policy; </FONT><FONT STYLE="letter-spacing: -0.2pt">4)</FONT>
<FONT STYLE="letter-spacing: 0.25pt">&quot;Discovery </FONT><FONT STYLE="letter-spacing: 0.45pt">Period&quot; means </FONT><FONT STYLE="letter-spacing: 0.4pt">Discovery
Period </FONT><FONT STYLE="letter-spacing: 0.3pt">or Extended </FONT><FONT STYLE="letter-spacing: 0.4pt">Reporting </FONT><FONT STYLE="letter-spacing: 0.45pt">Period,
</FONT><FONT STYLE="letter-spacing: 0.2pt">as </FONT><FONT STYLE="letter-spacing: 0.3pt">defined </FONT><FONT STYLE="letter-spacing: 0.2pt">in
the </FONT><FONT STYLE="letter-spacing: 0.35pt">policy; </FONT><FONT STYLE="letter-spacing: 0.25pt">and </FONT>5) <FONT STYLE="letter-spacing: 0.2pt">&quot;Claim&quot;
</FONT><FONT STYLE="letter-spacing: 0.45pt">means </FONT><FONT STYLE="letter-spacing: 0.3pt">Claim or Suit </FONT><FONT STYLE="letter-spacing: 0.25pt">as
</FONT><FONT STYLE="letter-spacing: 0.35pt">defined </FONT><FONT STYLE="letter-spacing: 0.2pt">in </FONT><FONT STYLE="letter-spacing: 0.15pt">the</FONT>
<FONT STYLE="letter-spacing: 0.4pt">policy.</FONT></P>

<P STYLE="font: 10pt Univers ATT; margin: 5.95pt 0 0 48pt">It is hereby understood and agreed that the policy is amended as follows:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Univers ATT; margin-top: 6.45pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 48pt"></TD><TD STYLE="width: 29.35pt"><FONT STYLE="letter-spacing: -0.3pt">A.</FONT></TD><TD><FONT STYLE="letter-spacing: 0.1pt">The </FONT><FONT STYLE="letter-spacing: 0.35pt">following </FONT><FONT STYLE="letter-spacing: 0.45pt">provisions
</FONT><FONT STYLE="letter-spacing: 0.3pt">are </FONT><FONT STYLE="letter-spacing: 0.45pt">hereby </FONT><FONT STYLE="letter-spacing: 0.35pt">added
</FONT>to <FONT STYLE="letter-spacing: 0.2pt">the</FONT> <FONT STYLE="letter-spacing: 0.4pt">policy:</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Univers ATT; margin: 6.3pt 0 0 77.4pt">FAILURE TO GIVE NOTICE WITHIN PRESCRIBED TIME:</P>

<P STYLE="font: 10pt/98% Univers ATT; margin: 6.3pt 64.25pt 0 107pt; text-align: justify"><FONT STYLE="letter-spacing: 0.3pt">Failure
</FONT><FONT STYLE="letter-spacing: 0.1pt">to </FONT><FONT STYLE="letter-spacing: 0.35pt">give </FONT><FONT STYLE="letter-spacing: 0.3pt">any
</FONT><FONT STYLE="letter-spacing: 0.35pt">notice </FONT><FONT STYLE="letter-spacing: 0.45pt">required </FONT>to <FONT STYLE="letter-spacing: 0.2pt">be
</FONT><FONT STYLE="letter-spacing: 0.35pt">given </FONT><FONT STYLE="letter-spacing: 0.25pt">by </FONT><FONT STYLE="letter-spacing: 0.3pt">this
</FONT><FONT STYLE="letter-spacing: 0.35pt">policy, or </FONT><FONT STYLE="letter-spacing: 0.3pt">any </FONT><FONT STYLE="letter-spacing: 0.4pt">policy
</FONT><FONT STYLE="letter-spacing: 0.35pt">of </FONT><FONT STYLE="letter-spacing: 0.2pt">which </FONT><FONT STYLE="letter-spacing: 0.25pt">this
</FONT><FONT STYLE="letter-spacing: 0.2pt">is </FONT>a <FONT STYLE="letter-spacing: 0.35pt">renewal, </FONT><FONT STYLE="letter-spacing: 0.25pt">within
</FONT><FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.45pt">prescribed </FONT><FONT STYLE="letter-spacing: 0.35pt">time
shall </FONT><FONT STYLE="letter-spacing: 0.4pt">not </FONT><FONT STYLE="letter-spacing: 0.35pt">invalidate </FONT><FONT STYLE="letter-spacing: 0.3pt">any
</FONT><FONT STYLE="letter-spacing: 0.25pt">Claim </FONT><FONT STYLE="letter-spacing: 0.45pt">made against </FONT><FONT STYLE="letter-spacing: 0.2pt">an
</FONT><FONT STYLE="letter-spacing: 0.4pt">Insured</FONT> <FONT STYLE="letter-spacing: 0.1pt">if:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/97% Univers ATT; margin-top: 6.6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 107.1pt"></TD><TD STYLE="width: 29.35pt">(a)</TD><TD STYLE="text-align: justify; padding-right: 64.65pt"><FONT STYLE="letter-spacing: 0.2pt">it </FONT><FONT STYLE="letter-spacing: 0.35pt">shall
</FONT><FONT STYLE="letter-spacing: 0.25pt">be </FONT><FONT STYLE="letter-spacing: 0.3pt">shown </FONT><FONT STYLE="letter-spacing: 0.4pt">not
</FONT>to <FONT STYLE="letter-spacing: 0.25pt">have </FONT><FONT STYLE="letter-spacing: 0.4pt">been </FONT><FONT STYLE="letter-spacing: 0.45pt">reasonably
possible </FONT>to <FONT STYLE="letter-spacing: 0.35pt">give notice </FONT><FONT STYLE="letter-spacing: 0.2pt">within </FONT><FONT STYLE="letter-spacing: 0.15pt">the
</FONT><FONT STYLE="letter-spacing: 0.45pt">prescribed </FONT><FONT STYLE="letter-spacing: 0.35pt">time </FONT><FONT STYLE="letter-spacing: 0.3pt">and
</FONT><FONT STYLE="letter-spacing: 0.25pt">that </FONT><FONT STYLE="letter-spacing: 0.35pt">notice </FONT><FONT STYLE="letter-spacing: 0.15pt">was
</FONT><FONT STYLE="letter-spacing: 0.4pt">given </FONT><FONT STYLE="letter-spacing: 0.25pt">as </FONT><FONT STYLE="letter-spacing: 0.5pt">soon
</FONT><FONT STYLE="letter-spacing: 0.2pt">as </FONT><FONT STYLE="letter-spacing: 0.1pt">was </FONT><FONT STYLE="letter-spacing: 0.45pt">reasonably
possible </FONT><FONT STYLE="letter-spacing: 0.35pt">thereafter; or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Univers ATT; margin-top: 6.4pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 107.1pt"></TD><TD STYLE="width: 29.25pt">(b)</TD><TD STYLE="text-align: justify"><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.3pt">failure </FONT><FONT STYLE="letter-spacing: 0.1pt">to
</FONT><FONT STYLE="letter-spacing: 0.4pt">provide </FONT><FONT STYLE="letter-spacing: 0.45pt">timely </FONT><FONT STYLE="letter-spacing: 0.35pt">notice
</FONT><FONT STYLE="letter-spacing: 0.3pt">has </FONT><FONT STYLE="letter-spacing: 0.45pt">not prejudiced </FONT><FONT STYLE="letter-spacing: 0.25pt">the</FONT>
<FONT STYLE="letter-spacing: 0.4pt">Insurer.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt/98% Univers ATT; margin: 6.5pt 64pt 0 107pt; text-align: justify">Any <FONT STYLE="letter-spacing: 0.35pt">such </FONT><FONT STYLE="letter-spacing: 0.3pt">Claim </FONT><FONT STYLE="letter-spacing: 0.35pt">shall </FONT><FONT STYLE="letter-spacing: 0.25pt">be </FONT><FONT STYLE="letter-spacing: 0.5pt">deemed </FONT>to <FONT STYLE="letter-spacing: 0.25pt">have </FONT><FONT STYLE="letter-spacing: 0.45pt">been </FONT><FONT STYLE="letter-spacing: 0.3pt">first </FONT><FONT STYLE="letter-spacing: 0.45pt">made
against </FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">Insured </FONT><FONT STYLE="letter-spacing: 0.3pt">and </FONT><FONT STYLE="letter-spacing: 0.4pt">noticed </FONT><FONT STYLE="letter-spacing: 0.1pt">to </FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">Insurer </FONT><FONT STYLE="letter-spacing: 0.25pt">within
the </FONT><FONT STYLE="letter-spacing: 0.4pt">Policy </FONT><FONT STYLE="letter-spacing: 0.45pt">Period </FONT><FONT STYLE="letter-spacing: 0.35pt">or </FONT><FONT STYLE="letter-spacing: 0.4pt">Discovery </FONT><FONT STYLE="letter-spacing: 0.45pt">Period </FONT><FONT STYLE="letter-spacing: 0.3pt">of </FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">policy </FONT><FONT STYLE="letter-spacing: 0.45pt">issued </FONT><FONT STYLE="letter-spacing: 0.25pt">by </FONT><FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">Insurer </FONT><FONT STYLE="letter-spacing: 0.1pt">(the </FONT><FONT STYLE="letter-spacing: 0.2pt">&quot;Noticed
Policy&quot;) </FONT><FONT STYLE="letter-spacing: 0.25pt">in which </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">Insurer
received </FONT><FONT STYLE="letter-spacing: 0.35pt">notice of </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">Claim; </FONT><FONT STYLE="letter-spacing: 0.4pt">provided </FONT><FONT STYLE="letter-spacing: 0.25pt">that </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.45pt">coverage </FONT><FONT STYLE="letter-spacing: 0.3pt">afforded </FONT><FONT STYLE="letter-spacing: 0.15pt">with </FONT><FONT STYLE="letter-spacing: 0.45pt">respect </FONT>to <FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">Noticed </FONT><FONT STYLE="letter-spacing: 0.4pt">Policy </FONT><FONT STYLE="letter-spacing: 0.35pt">shall </FONT><FONT STYLE="letter-spacing: 0.25pt">be </FONT><FONT STYLE="letter-spacing: 0.2pt">in
an </FONT><FONT STYLE="letter-spacing: 0.5pt">amount </FONT><FONT STYLE="letter-spacing: 0.4pt"><U>not greater </U></FONT><U><FONT STYLE="letter-spacing: 0.2pt">than</FONT></U> <FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.5pt">amount </FONT><FONT STYLE="letter-spacing: 0.35pt">of </FONT><FONT STYLE="letter-spacing: 0.45pt">coverage </FONT><FONT STYLE="letter-spacing: 0.3pt">afforded </FONT><FONT STYLE="letter-spacing: 0.15pt">with </FONT><FONT STYLE="letter-spacing: 0.45pt">respect </FONT><FONT STYLE="letter-spacing: 0.1pt">to </FONT><FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">Policy </FONT><FONT STYLE="letter-spacing: 0.45pt">Period </FONT><FONT STYLE="letter-spacing: 0.4pt">of </FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">policy
issued </FONT><FONT STYLE="letter-spacing: 0.25pt">by </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">Insurer </FONT><FONT STYLE="letter-spacing: 0.15pt">(the </FONT><FONT STYLE="letter-spacing: 0.25pt">&quot;Former </FONT><FONT STYLE="letter-spacing: 0.2pt">Policy&quot;)
in </FONT><FONT STYLE="letter-spacing: 0.25pt">which </FONT><FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.25pt">Claim </FONT><FONT STYLE="letter-spacing: 0.1pt">was </FONT><FONT STYLE="letter-spacing: 0.3pt">actually </FONT><FONT STYLE="letter-spacing: 0.25pt">first </FONT><FONT STYLE="letter-spacing: 0.45pt">made </FONT><FONT STYLE="letter-spacing: 0.4pt">against </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">Insured. </FONT><FONT STYLE="letter-spacing: 0.1pt">The </FONT><FONT STYLE="letter-spacing: 0.45pt">foregoing </FONT><FONT STYLE="letter-spacing: 0.4pt">sentence </FONT><FONT STYLE="letter-spacing: 0.45pt">may </FONT><FONT STYLE="letter-spacing: 0.4pt">result </FONT><FONT STYLE="letter-spacing: 0.2pt">in </FONT><FONT STYLE="letter-spacing: 0.25pt">(but </FONT><FONT STYLE="letter-spacing: 0.4pt">not </FONT><FONT STYLE="letter-spacing: 0.25pt">be </FONT><FONT STYLE="letter-spacing: 0.5pt">limited </FONT><FONT STYLE="letter-spacing: 0.2pt">to): </FONT>(1) <FONT STYLE="letter-spacing: 0.45pt">reducing </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">limit </FONT><FONT STYLE="letter-spacing: 0.3pt">of </FONT><FONT STYLE="letter-spacing: 0.35pt">liability
available </FONT><FONT STYLE="letter-spacing: 0.25pt">for </FONT><FONT STYLE="letter-spacing: 0.3pt">such </FONT>a <FONT STYLE="letter-spacing: 0.25pt">Claim </FONT>to <FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">available
limit </FONT><FONT STYLE="letter-spacing: 0.3pt">of </FONT><FONT STYLE="letter-spacing: 0.35pt">liability </FONT><FONT STYLE="letter-spacing: 0.4pt">applicable </FONT><FONT STYLE="letter-spacing: 0.1pt">to </FONT><FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.45pt">Former </FONT><FONT STYLE="letter-spacing: 0.35pt">Policy; </FONT>(2) <FONT STYLE="letter-spacing: 0.4pt">increasing </FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.45pt">applicable </FONT><FONT STYLE="letter-spacing: 0.4pt">retention </FONT><FONT STYLE="letter-spacing: 0.5pt">amount </FONT>to <FONT STYLE="letter-spacing: 0.25pt">that </FONT><FONT STYLE="letter-spacing: 0.4pt">retention </FONT><FONT STYLE="letter-spacing: 0.5pt">amount </FONT><FONT STYLE="letter-spacing: 0.4pt">applicable </FONT>to <FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.45pt">Former</FONT> <FONT STYLE="letter-spacing: 0.35pt">Policy;
or </FONT><FONT STYLE="letter-spacing: -0.15pt">(3) </FONT><FONT STYLE="letter-spacing: 0.4pt">reducing </FONT><FONT STYLE="letter-spacing: 0.35pt">or </FONT><FONT STYLE="letter-spacing: 0.45pt">eliminating </FONT><FONT STYLE="letter-spacing: 0.4pt">coverage </FONT><FONT STYLE="letter-spacing: 0.3pt">due </FONT><FONT STYLE="letter-spacing: 0.35pt">to </FONT><FONT STYLE="letter-spacing: 0.4pt">exclusions
or other restrictions appearing </FONT><FONT STYLE="letter-spacing: 0.2pt">in the </FONT><FONT STYLE="letter-spacing: 0.45pt">Former </FONT><FONT STYLE="letter-spacing: 0.35pt">Policy
but </FONT><FONT STYLE="letter-spacing: 0.45pt">eliminated, </FONT><FONT STYLE="letter-spacing: 0.2pt">in </FONT><FONT STYLE="letter-spacing: 0.35pt">part
or </FONT><FONT STYLE="letter-spacing: 0.2pt">in </FONT><FONT STYLE="letter-spacing: 0.35pt">whole, </FONT><FONT STYLE="letter-spacing: 0.2pt">in
the </FONT><FONT STYLE="letter-spacing: 0.35pt">Noticed Policy. No </FONT><FONT STYLE="letter-spacing: 0.4pt">coverage </FONT><FONT STYLE="letter-spacing: 0.35pt">shall </FONT><FONT STYLE="letter-spacing: 0.25pt">be </FONT><FONT STYLE="letter-spacing: 0.3pt">afforded </FONT><FONT STYLE="letter-spacing: 0.4pt">under </FONT><FONT STYLE="letter-spacing: 0.3pt">this </FONT><FONT STYLE="letter-spacing: 0.5pt">endorsement </FONT><FONT STYLE="letter-spacing: 0.15pt">if </FONT><FONT STYLE="letter-spacing: 0.3pt">there </FONT><FONT STYLE="letter-spacing: 0.1pt">was </FONT><FONT STYLE="letter-spacing: 0.4pt">not </FONT><FONT STYLE="letter-spacing: 0.2pt">in </FONT><FONT STYLE="letter-spacing: 0.3pt">existence </FONT><FONT STYLE="letter-spacing: 0.35pt">a </FONT><FONT STYLE="letter-spacing: 0.45pt">Former </FONT><FONT STYLE="letter-spacing: 0.35pt">Policy </FONT><FONT STYLE="letter-spacing: 0.2pt">at
the </FONT><FONT STYLE="letter-spacing: 0.4pt">time </FONT><FONT STYLE="letter-spacing: 0.25pt">the Claim </FONT><FONT STYLE="letter-spacing: 0.35pt">was </FONT><FONT STYLE="letter-spacing: 0.3pt">actually </FONT><FONT STYLE="letter-spacing: 0.25pt">first </FONT><FONT STYLE="letter-spacing: 0.4pt">made
against </FONT><FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">Insured.</FONT></P>

<P STYLE="font: 10pt/98% Univers ATT; margin: 5.85pt 64.2pt 0 107pt; text-align: justify"><FONT STYLE="letter-spacing: 0.1pt">With
</FONT><FONT STYLE="letter-spacing: 0.45pt">respect </FONT><FONT STYLE="letter-spacing: 0.1pt">to </FONT><FONT STYLE="letter-spacing: 0.45pt">subsection
</FONT><FONT STYLE="letter-spacing: 0.2pt">(b) </FONT><FONT STYLE="letter-spacing: 0.4pt">above, </FONT><FONT STYLE="letter-spacing: 0.25pt">any
</FONT><FONT STYLE="letter-spacing: 0.3pt">such </FONT><FONT STYLE="letter-spacing: 0.25pt">Claim </FONT><FONT STYLE="letter-spacing: 0.45pt">must
</FONT><FONT STYLE="letter-spacing: 0.25pt">be </FONT><FONT STYLE="letter-spacing: 0.4pt">noticed </FONT><FONT STYLE="letter-spacing: 0.5pt">during
</FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">Policy </FONT><FONT STYLE="letter-spacing: 0.4pt">Period
</FONT><FONT STYLE="letter-spacing: 0.35pt">or </FONT><FONT STYLE="letter-spacing: 0.4pt">Discovery </FONT><FONT STYLE="letter-spacing: 0.45pt">Period
</FONT><FONT STYLE="letter-spacing: 0.35pt">of </FONT>a <FONT STYLE="letter-spacing: 0.35pt">Noticed Policy </FONT><FONT STYLE="letter-spacing: 0.2pt">which
is </FONT>a <FONT STYLE="letter-spacing: 0.4pt">renewal </FONT><FONT STYLE="letter-spacing: 0.3pt">or </FONT><FONT STYLE="letter-spacing: 0.35pt">extension
of </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.45pt">Former</FONT> <FONT STYLE="letter-spacing: 0.35pt">Policy.</FONT></P>

<P STYLE="font: 10pt/98% Univers ATT; margin: 6.2pt 64.3pt 0 107pt; text-align: justify"><FONT STYLE="letter-spacing: 0.35pt">Nothing
</FONT><FONT STYLE="letter-spacing: 0.25pt">in this </FONT><FONT STYLE="letter-spacing: 0.55pt">endorsement </FONT><FONT STYLE="letter-spacing: 0.35pt">shall
</FONT><FONT STYLE="letter-spacing: 0.25pt">be </FONT><FONT STYLE="letter-spacing: 0.45pt">construed </FONT><FONT STYLE="letter-spacing: 0.1pt">to</FONT>
<FONT STYLE="letter-spacing: 0.4pt">provide </FONT><FONT STYLE="letter-spacing: 0.45pt">coverage </FONT><FONT STYLE="letter-spacing: 0.25pt">for
</FONT>a <FONT STYLE="letter-spacing: 0.25pt">Claim </FONT><FONT STYLE="letter-spacing: 0.45pt">under </FONT><FONT STYLE="letter-spacing: 0.55pt">more
</FONT><FONT STYLE="letter-spacing: 0.25pt">than </FONT><FONT STYLE="letter-spacing: 0.4pt">one </FONT><FONT STYLE="letter-spacing: 0.35pt">Policy
</FONT><FONT STYLE="letter-spacing: 0.45pt">Period </FONT><FONT STYLE="letter-spacing: 0.35pt">or </FONT><FONT STYLE="letter-spacing: 0.4pt">Discovery
</FONT><FONT STYLE="letter-spacing: 0.45pt">Period.</FONT></P>

<P STYLE="font: 10pt Univers ATT; margin: 6.45pt 0 0 77.4pt">PREJUDICE:</P>

<P STYLE="font: 10pt Univers ATT; margin: 5.6pt 9.2pt 0 3.85pt; text-align: center"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 11pt">&copy; All rights reserved.</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt"><I>1-14180</I></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt"><I>END 016</I></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">83231 (1/09)</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">Page 1 of 2</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>16</I></P></TD>
    <TD STYLE="width: 33%">(Continued)<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"></P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>&nbsp;</I></B></P>


<P STYLE="font: 10pt/98% Univers ATT; margin: 2.1pt 63pt 0 107pt; text-align: justify">In <FONT STYLE="letter-spacing: 0.15pt">the
</FONT><FONT STYLE="letter-spacing: 0.35pt">event </FONT><FONT STYLE="letter-spacing: 0.25pt">that the </FONT><FONT STYLE="letter-spacing: 0.4pt">Insurer
</FONT><FONT STYLE="letter-spacing: 0.5pt">alleges </FONT><FONT STYLE="letter-spacing: 0.25pt">that </FONT><FONT STYLE="letter-spacing: 0.3pt">it
</FONT>was <FONT STYLE="letter-spacing: 0.45pt">prejudiced </FONT><FONT STYLE="letter-spacing: 0.2pt">as </FONT>a <FONT STYLE="letter-spacing: 0.45pt">result
</FONT><FONT STYLE="letter-spacing: 0.3pt">of </FONT>a <FONT STYLE="letter-spacing: 0.3pt">failure </FONT>to <FONT STYLE="letter-spacing: 0.35pt">give
notice </FONT><FONT STYLE="letter-spacing: 0.2pt">within </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">time
</FONT><FONT STYLE="letter-spacing: 0.45pt">required under </FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">policy,
</FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.45pt">burden </FONT><FONT STYLE="letter-spacing: 0.6pt">of
</FONT><FONT STYLE="letter-spacing: 0.45pt">proof </FONT><FONT STYLE="letter-spacing: 0.35pt">shall </FONT><FONT STYLE="letter-spacing: 0.25pt">be</FONT>
<FONT STYLE="letter-spacing: 0.55pt">on:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/98% Univers ATT; margin-top: 6.35pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 107.1pt"></TD><TD STYLE="width: 29.35pt">(a)</TD><TD STYLE="text-align: justify; padding-right: 64.25pt"><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">Insurer
</FONT>to <FONT STYLE="letter-spacing: 0.4pt">prove </FONT><FONT STYLE="letter-spacing: 0.25pt">that </FONT><FONT STYLE="letter-spacing: 0.15pt">it
</FONT><FONT STYLE="letter-spacing: 0.3pt">has </FONT><FONT STYLE="letter-spacing: 0.4pt">been </FONT><FONT STYLE="letter-spacing: 0.45pt">prejudiced,
</FONT><FONT STYLE="letter-spacing: 0.2pt">if</FONT> <FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">notice
</FONT><FONT STYLE="letter-spacing: 0.25pt">was </FONT><FONT STYLE="letter-spacing: 0.4pt">provided </FONT><FONT STYLE="letter-spacing: 0.25pt">within
</FONT>two <FONT STYLE="letter-spacing: 0.3pt">years </FONT><FONT STYLE="letter-spacing: 0.35pt">of </FONT><FONT STYLE="letter-spacing: 0.2pt">the
</FONT><FONT STYLE="letter-spacing: 0.35pt">time </FONT><FONT STYLE="letter-spacing: 0.45pt">required </FONT><FONT STYLE="letter-spacing: 0.4pt">under
</FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">policy;</FONT> <FONT STYLE="letter-spacing: 0.35pt">or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/98% Univers ATT; margin-top: 6.5pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 107pt"></TD><TD STYLE="width: 29.35pt">(b)</TD><TD STYLE="text-align: justify; padding-right: 64.55pt"><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">Insured
</FONT>to <FONT STYLE="letter-spacing: 0.4pt">prove </FONT><FONT STYLE="letter-spacing: 0.2pt">that </FONT><FONT STYLE="letter-spacing: 0.25pt">the
</FONT><FONT STYLE="letter-spacing: 0.35pt">Insurer </FONT><FONT STYLE="letter-spacing: 0.3pt">has </FONT><FONT STYLE="letter-spacing: 0.4pt">not
been </FONT><FONT STYLE="letter-spacing: 0.45pt">prejudiced, </FONT><FONT STYLE="letter-spacing: 0.25pt">if </FONT><FONT STYLE="letter-spacing: 0.15pt">the
</FONT><FONT STYLE="letter-spacing: 0.35pt">notice </FONT><FONT STYLE="letter-spacing: 0.1pt">was </FONT><FONT STYLE="letter-spacing: 0.4pt">provided
</FONT><FONT STYLE="letter-spacing: 0.55pt">more </FONT><FONT STYLE="letter-spacing: 0.25pt">than </FONT>two <FONT STYLE="letter-spacing: 0.35pt">years
</FONT><FONT STYLE="letter-spacing: 0.2pt">after the </FONT><FONT STYLE="letter-spacing: 0.35pt">time </FONT><FONT STYLE="letter-spacing: 0.45pt">required
</FONT><FONT STYLE="letter-spacing: 0.4pt">under </FONT><FONT STYLE="letter-spacing: 0.15pt">the</FONT> <FONT STYLE="letter-spacing: 0.4pt">policy.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt/98% Univers ATT; margin: 6.15pt 64.1pt 0 107pt; text-align: justify"><FONT STYLE="letter-spacing: 0.15pt">The
</FONT><FONT STYLE="letter-spacing: 0.25pt">Insurer's </FONT><FONT STYLE="letter-spacing: 0.4pt">rights </FONT><FONT STYLE="letter-spacing: 0.35pt">shall
</FONT><FONT STYLE="letter-spacing: 0.4pt">not </FONT><FONT STYLE="letter-spacing: 0.2pt">be </FONT><FONT STYLE="letter-spacing: 0.55pt">deemed
</FONT><FONT STYLE="letter-spacing: 0.45pt">prejudiced unless </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.3pt">failure
</FONT>to <FONT STYLE="letter-spacing: 0.45pt">timely </FONT><FONT STYLE="letter-spacing: 0.4pt">provide </FONT><FONT STYLE="letter-spacing: 0.35pt">notice
</FONT><FONT STYLE="letter-spacing: 0.4pt">materially </FONT><FONT STYLE="letter-spacing: 0.45pt">impairs </FONT><FONT STYLE="letter-spacing: 0.15pt">the
</FONT><FONT STYLE="letter-spacing: 0.35pt">ability of </FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">Insurer
</FONT><FONT STYLE="letter-spacing: 0.1pt">to </FONT><FONT STYLE="letter-spacing: 0.35pt">investigate or </FONT><FONT STYLE="letter-spacing: 0.3pt">defend
</FONT><FONT STYLE="letter-spacing: 0.15pt">the</FONT> <FONT STYLE="letter-spacing: 0.4pt">Claim.</FONT></P>

<P STYLE="font: 10pt/98% Univers ATT; margin: 6.35pt 63.85pt 0 107pt; text-align: justify"><FONT STYLE="letter-spacing: 0.3pt">Notwithstanding
</FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">above, </FONT><FONT STYLE="letter-spacing: 0.2pt">an
</FONT><FONT STYLE="letter-spacing: 0.4pt">irrebuttable </FONT><FONT STYLE="letter-spacing: 0.45pt">presumption </FONT><FONT STYLE="letter-spacing: 0.35pt">of
</FONT><FONT STYLE="letter-spacing: 0.4pt">prejudice </FONT><FONT STYLE="letter-spacing: 0.45pt">shall </FONT><FONT STYLE="letter-spacing: 0.35pt">apply
</FONT><FONT STYLE="letter-spacing: 0.1pt">if, </FONT><FONT STYLE="letter-spacing: 0.45pt">prior </FONT>to <FONT STYLE="letter-spacing: 0.2pt">the
</FONT><FONT STYLE="letter-spacing: 0.4pt">notice, </FONT><FONT STYLE="letter-spacing: 0.25pt">the Insured's </FONT><FONT STYLE="letter-spacing: 0.35pt">liability
</FONT><FONT STYLE="letter-spacing: 0.3pt">has </FONT><FONT STYLE="letter-spacing: 0.4pt">been </FONT><FONT STYLE="letter-spacing: 0.45pt">determined
</FONT><FONT STYLE="letter-spacing: 0.25pt">by</FONT> a <FONT STYLE="letter-spacing: 0.4pt">court </FONT><FONT STYLE="letter-spacing: 0.3pt">of
</FONT><FONT STYLE="letter-spacing: 0.45pt">competent jurisdiction </FONT><FONT STYLE="letter-spacing: 0.35pt">or </FONT><FONT STYLE="letter-spacing: 0.25pt">by
</FONT>a <FONT STYLE="letter-spacing: 0.4pt">binding arbitration; </FONT><FONT STYLE="letter-spacing: 0.35pt">or </FONT><FONT STYLE="letter-spacing: 0.2pt">if
</FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">Insured </FONT><FONT STYLE="letter-spacing: 0.3pt">has
</FONT><FONT STYLE="letter-spacing: 0.45pt">resolved </FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.3pt">Claim
</FONT><FONT STYLE="letter-spacing: 0.25pt">by </FONT><FONT STYLE="letter-spacing: 0.45pt">settlement </FONT><FONT STYLE="letter-spacing: 0.35pt">or
</FONT><FONT STYLE="letter-spacing: 0.4pt">other</FONT> <FONT STYLE="letter-spacing: 0.55pt">compromise.</FONT></P>

<P STYLE="font: 10pt Univers ATT; margin: 6.3pt 0 0 77.35pt"><FONT STYLE="letter-spacing: 0.4pt">NOTICE </FONT>TO <FONT STYLE="letter-spacing: 0.3pt">AGENT:</FONT></P>

<P STYLE="font: 10pt/98% Univers ATT; margin: 6.45pt 63.1pt 0 107pt; text-align: justify"><FONT STYLE="letter-spacing: 0.3pt">Notice
</FONT><FONT STYLE="letter-spacing: 0.4pt">given </FONT><FONT STYLE="letter-spacing: 0.3pt">by </FONT><FONT STYLE="letter-spacing: 0.35pt">or
on </FONT><FONT STYLE="letter-spacing: 0.4pt">behalf </FONT><FONT STYLE="letter-spacing: 0.35pt">of </FONT><FONT STYLE="letter-spacing: 0.15pt">the
</FONT><FONT STYLE="letter-spacing: 0.4pt">Insured, </FONT><FONT STYLE="letter-spacing: 0.3pt">or </FONT><FONT STYLE="letter-spacing: 0.25pt">written
</FONT><FONT STYLE="letter-spacing: 0.35pt">notice </FONT><FONT STYLE="letter-spacing: 0.25pt">by </FONT><FONT STYLE="letter-spacing: 0.35pt">or
</FONT><FONT STYLE="letter-spacing: 0.4pt">on behalf </FONT><FONT STYLE="letter-spacing: 0.3pt">of </FONT><FONT STYLE="letter-spacing: 0.2pt">the
</FONT><FONT STYLE="letter-spacing: 0.4pt">injured </FONT><FONT STYLE="letter-spacing: 0.25pt">party </FONT><FONT STYLE="letter-spacing: 0.35pt">or
</FONT><FONT STYLE="letter-spacing: 0.3pt">any </FONT><FONT STYLE="letter-spacing: 0.35pt">other </FONT><FONT STYLE="letter-spacing: 0.4pt">claimant,
</FONT>to <FONT STYLE="letter-spacing: 0.3pt">any </FONT><FONT STYLE="letter-spacing: 0.4pt">licensed </FONT><FONT STYLE="letter-spacing: 0.45pt">agent
</FONT><FONT STYLE="letter-spacing: 0.35pt">of </FONT><FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.45pt">Insurer
</FONT><FONT STYLE="letter-spacing: 0.2pt">in the </FONT><FONT STYLE="letter-spacing: 0.25pt">state </FONT><FONT STYLE="letter-spacing: 0.35pt">of
</FONT><FONT STYLE="letter-spacing: 0.25pt">New York, </FONT><FONT STYLE="letter-spacing: 0.1pt">with </FONT><FONT STYLE="letter-spacing: 0.35pt">particulars
</FONT><FONT STYLE="letter-spacing: 0.3pt">sufficient </FONT>to <FONT STYLE="letter-spacing: 0.3pt">identify </FONT><FONT STYLE="letter-spacing: 0.2pt">the
</FONT><FONT STYLE="letter-spacing: 0.4pt">Insured, </FONT><FONT STYLE="letter-spacing: 0.35pt">shall </FONT><FONT STYLE="letter-spacing: 0.2pt">be
</FONT><FONT STYLE="letter-spacing: 0.55pt">deemed </FONT><FONT STYLE="letter-spacing: 0.35pt">notice </FONT><FONT STYLE="letter-spacing: 0.1pt">to
</FONT><FONT STYLE="letter-spacing: 0.25pt">the</FONT> <FONT STYLE="letter-spacing: 0.4pt">Insurer.</FONT></P>

<P STYLE="font: 10pt Univers ATT; margin: 6.3pt 0 0 77.35pt">INSOLVENCY/ BANKRUPTCY OF INSURED:</P>

<P STYLE="font: 10pt/98% Univers ATT; margin: 6.3pt 64pt 0 101.95pt; text-align: justify"><FONT STYLE="letter-spacing: 0.15pt">The
</FONT><FONT STYLE="letter-spacing: 0.45pt">insolvency </FONT><FONT STYLE="letter-spacing: 0.4pt">or </FONT><FONT STYLE="letter-spacing: 0.3pt">bankruptcy
of </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">Insured shall not relieve </FONT><FONT STYLE="letter-spacing: 0.2pt">the
</FONT><FONT STYLE="letter-spacing: 0.4pt">Insurer </FONT><FONT STYLE="letter-spacing: 0.3pt">of </FONT><FONT STYLE="letter-spacing: 0.2pt">its
</FONT><FONT STYLE="letter-spacing: 0.45pt">obligations </FONT><FONT STYLE="letter-spacing: 0.4pt">under </FONT><FONT STYLE="letter-spacing: 0.2pt">this
</FONT><FONT STYLE="letter-spacing: 0.4pt">policy </FONT><FONT STYLE="letter-spacing: 0.2pt">as </FONT><FONT STYLE="letter-spacing: 0.4pt">long
</FONT><FONT STYLE="letter-spacing: 0.2pt">as </FONT><FONT STYLE="letter-spacing: 0.25pt">all </FONT><FONT STYLE="letter-spacing: 0.4pt">policy
</FONT><FONT STYLE="letter-spacing: 0.45pt">requirements </FONT><FONT STYLE="letter-spacing: 0.3pt">are </FONT><FONT STYLE="letter-spacing: 0.5pt">met
</FONT><FONT STYLE="letter-spacing: 0.25pt">by </FONT><FONT STYLE="letter-spacing: 0.4pt">Insured, </FONT><FONT STYLE="letter-spacing: 0.15pt">its
</FONT><FONT STYLE="letter-spacing: 0.35pt">trustee or </FONT><FONT STYLE="letter-spacing: 0.4pt">receiver </FONT><FONT STYLE="letter-spacing: 0.3pt">in
bankruptcy. </FONT><FONT STYLE="letter-spacing: 0.35pt">Should </FONT>a <FONT STYLE="letter-spacing: 0.45pt">covered </FONT><FONT STYLE="letter-spacing: 0.55pt">judgment
</FONT><FONT STYLE="letter-spacing: 0.3pt">be </FONT><FONT STYLE="letter-spacing: 0.5pt">rendered </FONT><FONT STYLE="letter-spacing: 0.4pt">against
</FONT><FONT STYLE="letter-spacing: 0.2pt">an </FONT><FONT STYLE="letter-spacing: 0.4pt">insolvent </FONT><FONT STYLE="letter-spacing: 0.35pt">or
bankrupt </FONT><FONT STYLE="letter-spacing: 0.4pt">Insured, </FONT><FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">Insurer
</FONT><FONT STYLE="letter-spacing: 0.35pt">shall </FONT><FONT STYLE="letter-spacing: 0.25pt">be </FONT><FONT STYLE="letter-spacing: 0.4pt">liable
</FONT><FONT STYLE="letter-spacing: 0.2pt">for </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.5pt">amount
</FONT><FONT STYLE="letter-spacing: 0.35pt">of such </FONT><FONT STYLE="letter-spacing: 0.5pt">judgment </FONT><FONT STYLE="letter-spacing: 0.4pt">not
</FONT>to <FONT STYLE="letter-spacing: 0.3pt">exceed </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">applicable
</FONT><FONT STYLE="letter-spacing: 0.5pt">limit </FONT><FONT STYLE="letter-spacing: 0.3pt">of </FONT><FONT STYLE="letter-spacing: 0.35pt">liability
</FONT><FONT STYLE="letter-spacing: 0.4pt">under </FONT><FONT STYLE="letter-spacing: 0.3pt">this</FONT> <FONT STYLE="letter-spacing: 0.35pt">policy.</FONT></P>

<P STYLE="font: 8.5pt Univers ATT; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/98% Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 47.95pt"></TD><TD STYLE="width: 29.4pt"><FONT STYLE="letter-spacing: -0.3pt">B.</FONT></TD><TD STYLE="padding-right: 64.65pt"><FONT STYLE="letter-spacing: 0.1pt">The </FONT><FONT STYLE="letter-spacing: 0.35pt">Clause entitled,
</FONT><FONT STYLE="letter-spacing: 0.2pt">&quot;Action </FONT><FONT STYLE="letter-spacing: 0.6pt">Against </FONT><FONT STYLE="letter-spacing: 0.55pt">Us&quot;
</FONT><FONT STYLE="letter-spacing: 0.4pt">or </FONT><FONT STYLE="letter-spacing: 0.25pt">&quot;Action </FONT><FONT STYLE="letter-spacing: 0.6pt">Against
</FONT><FONT STYLE="letter-spacing: 0.65pt">Company&quot; </FONT><FONT STYLE="letter-spacing: 0.25pt">is </FONT><FONT STYLE="letter-spacing: 0.4pt">deleted
</FONT><FONT STYLE="letter-spacing: 0.2pt">in its </FONT><FONT STYLE="letter-spacing: 0.35pt">entirety </FONT><FONT STYLE="letter-spacing: 0.25pt">and
</FONT><FONT STYLE="letter-spacing: 0.4pt">replaced </FONT><FONT STYLE="letter-spacing: 0.15pt">with </FONT><FONT STYLE="letter-spacing: 0.2pt">the</FONT>
<FONT STYLE="letter-spacing: 0.4pt">following:</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt/98% Univers ATT; margin: 6.4pt 64.9pt 0 107pt; text-align: justify">No <FONT STYLE="letter-spacing: 0.4pt">one
</FONT><FONT STYLE="letter-spacing: 0.45pt">may </FONT><FONT STYLE="letter-spacing: 0.4pt">bring </FONT><FONT STYLE="letter-spacing: 0.2pt">an
</FONT><FONT STYLE="letter-spacing: 0.35pt">action </FONT><FONT STYLE="letter-spacing: 0.4pt">against </FONT><FONT STYLE="letter-spacing: 0.3pt">us
</FONT><FONT STYLE="letter-spacing: 0.4pt">unless </FONT><FONT STYLE="letter-spacing: 0.35pt">there </FONT><FONT STYLE="letter-spacing: 0.25pt">has
</FONT><FONT STYLE="letter-spacing: 0.45pt">been </FONT><FONT STYLE="letter-spacing: 0.2pt">full </FONT><FONT STYLE="letter-spacing: 0.45pt">compliance
</FONT>with <FONT STYLE="letter-spacing: 0.3pt">all </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">terms
</FONT><FONT STYLE="letter-spacing: 0.35pt">of </FONT><FONT STYLE="letter-spacing: 0.25pt">this </FONT><FONT STYLE="letter-spacing: 0.4pt">policy
</FONT><FONT STYLE="letter-spacing: 0.3pt">and </FONT><FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.5pt">amount
</FONT><FONT STYLE="letter-spacing: 0.35pt">of </FONT><FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.25pt">Insured's
</FONT><FONT STYLE="letter-spacing: 0.45pt">obligation </FONT>to <FONT STYLE="letter-spacing: 0.3pt">pay has </FONT><FONT STYLE="letter-spacing: 0.4pt">been
</FONT><FONT STYLE="letter-spacing: 0.3pt">finally </FONT><FONT STYLE="letter-spacing: 0.45pt">determined </FONT><FONT STYLE="letter-spacing: 0.4pt">either</FONT>
<FONT STYLE="letter-spacing: 0.2pt">by:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/98% Univers ATT; margin-top: 6.45pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 107.1pt"></TD><TD STYLE="width: 29.35pt"><FONT STYLE="letter-spacing: -0.4pt">1.</FONT></TD><TD STYLE="text-align: justify; padding-right: 64.15pt"><FONT STYLE="letter-spacing: 0.5pt">judgment </FONT><FONT STYLE="letter-spacing: 0.4pt">against
</FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">Insured </FONT><FONT STYLE="letter-spacing: 0.2pt">which
</FONT><FONT STYLE="letter-spacing: 0.45pt">remains </FONT><FONT STYLE="letter-spacing: 0.35pt">unsatisfied </FONT><FONT STYLE="letter-spacing: 0.2pt">at
the </FONT><FONT STYLE="letter-spacing: 0.35pt">expiration </FONT><FONT STYLE="letter-spacing: 0.3pt">of </FONT><FONT STYLE="letter-spacing: 0.25pt">thirty
</FONT>(30) <FONT STYLE="letter-spacing: 0.3pt">days </FONT><FONT STYLE="letter-spacing: 0.25pt">from the </FONT><FONT STYLE="letter-spacing: 0.35pt">service
of notice </FONT><FONT STYLE="letter-spacing: 0.3pt">of </FONT><FONT STYLE="letter-spacing: 0.35pt">entry of </FONT><FONT STYLE="letter-spacing: 0.2pt">the
</FONT><FONT STYLE="letter-spacing: 0.55pt">judgment </FONT><FONT STYLE="letter-spacing: 0.4pt">upon </FONT><FONT STYLE="letter-spacing: 0.15pt">the
</FONT><FONT STYLE="letter-spacing: 0.4pt">Insured </FONT><FONT STYLE="letter-spacing: 0.3pt">and </FONT><FONT STYLE="letter-spacing: 0.4pt">upon
</FONT><FONT STYLE="letter-spacing: 0.35pt">us;</FONT> <FONT STYLE="letter-spacing: 0.4pt">or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/11.95pt Univers ATT; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 107.1pt"></TD><TD STYLE="width: 29.35pt"><FONT STYLE="letter-spacing: -0.4pt">2.</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="letter-spacing: 0.25pt">written </FONT><FONT STYLE="letter-spacing: 0.55pt">agreement
</FONT><FONT STYLE="letter-spacing: 0.35pt">of </FONT><FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">Insured,
</FONT><FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">claimant </FONT><FONT STYLE="letter-spacing: 0.3pt">and</FONT>
<FONT STYLE="letter-spacing: 0.5pt">us.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt/98% Univers ATT; margin: 6.3pt 64.5pt 0 107pt; text-align: justify">Any <FONT STYLE="letter-spacing: 0.45pt">person
</FONT><FONT STYLE="letter-spacing: 0.4pt">or </FONT><FONT STYLE="letter-spacing: 0.45pt">organization </FONT><FONT STYLE="letter-spacing: 0.35pt">or
</FONT><FONT STYLE="letter-spacing: 0.4pt">legal representative </FONT><FONT STYLE="letter-spacing: 0.45pt">thereof </FONT><FONT STYLE="letter-spacing: 0.1pt">who
</FONT><FONT STYLE="letter-spacing: 0.3pt">has </FONT><FONT STYLE="letter-spacing: 0.45pt">secured </FONT><FONT STYLE="letter-spacing: 0.3pt">such
</FONT><FONT STYLE="letter-spacing: 0.5pt">judgment </FONT><FONT STYLE="letter-spacing: 0.35pt">or </FONT><FONT STYLE="letter-spacing: 0.25pt">written
</FONT><FONT STYLE="letter-spacing: 0.55pt">agreement </FONT><FONT STYLE="letter-spacing: 0.35pt">shall thereafter </FONT><FONT STYLE="letter-spacing: 0.2pt">be
</FONT><FONT STYLE="letter-spacing: 0.35pt">entitled </FONT><FONT STYLE="letter-spacing: 0.1pt">to </FONT><FONT STYLE="letter-spacing: 0.45pt">recover</FONT>
<FONT STYLE="letter-spacing: 0.4pt">under </FONT><FONT STYLE="letter-spacing: 0.25pt">this </FONT><FONT STYLE="letter-spacing: 0.4pt">policy
</FONT>to <FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.25pt">extent </FONT><FONT STYLE="letter-spacing: 0.35pt">of
</FONT><FONT STYLE="letter-spacing: 0.2pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">insurance </FONT><FONT STYLE="letter-spacing: 0.3pt">afforded
</FONT><FONT STYLE="letter-spacing: 0.25pt">by </FONT><FONT STYLE="letter-spacing: 0.3pt">this </FONT><FONT STYLE="letter-spacing: 0.4pt">policy.
</FONT>We <FONT STYLE="letter-spacing: 0.4pt">may not </FONT><FONT STYLE="letter-spacing: 0.25pt">be </FONT><FONT STYLE="letter-spacing: 0.45pt">impleaded
</FONT><FONT STYLE="letter-spacing: 0.2pt">by </FONT><FONT STYLE="letter-spacing: 0.15pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">Insured
</FONT><FONT STYLE="letter-spacing: 0.35pt">or </FONT><FONT STYLE="letter-spacing: 0.15pt">its </FONT><FONT STYLE="letter-spacing: 0.45pt">legal
</FONT><FONT STYLE="letter-spacing: 0.4pt">representative </FONT><FONT STYLE="letter-spacing: 0.2pt">in </FONT><FONT STYLE="letter-spacing: 0.25pt">any
</FONT><FONT STYLE="letter-spacing: 0.4pt">legal </FONT><FONT STYLE="letter-spacing: 0.35pt">action </FONT><FONT STYLE="letter-spacing: 0.5pt">brought
</FONT><FONT STYLE="letter-spacing: 0.4pt">against </FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.4pt">Insured
</FONT><FONT STYLE="letter-spacing: 0.25pt">by </FONT><FONT STYLE="letter-spacing: 0.3pt">any </FONT><FONT STYLE="letter-spacing: 0.45pt">person
</FONT><FONT STYLE="letter-spacing: 0.4pt">or</FONT> <FONT STYLE="letter-spacing: 0.5pt">organization.</FONT></P>

<P STYLE="font: 7pt Univers ATT; margin: 0.25pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 2pt 0 0 47.95pt">ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS REMAIN UNCHANGED.</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin: 0"><IMG SRC="image_057.jpg" ALT="">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 34%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 33%"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 11pt">&copy; </FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 33%">&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 11pt"></FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt"><I>1-14180</I></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt"><I>END 016</I></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">83231 (1/09)</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">Page 2 of
    2</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<!-- Field: Page; Sequence: 68 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>17</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"></P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>&nbsp;</I></B></P>


<P STYLE="font: 11pt Z@R25BC.tmp,sans-serif; margin: 5.05pt 20.05pt 0 0; text-align: center"><B>AMENDED INSURED RIDER</B></P>

<P STYLE="font: 11pt Z@R25BC.tmp,sans-serif; margin: 0.1pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 11pt Z@R2699.tmp,sans-serif; margin: 0.05pt 64.25pt 0 48pt; text-align: justify">In consideration of the premium
charged, it is hereby understood and agreed that Item 1. Of the Declarations, Name of Insured, is amended to include the following
entities, however, solely with respect those individuals meeting the requirements in subparagraph</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/13.3pt Z@R2699.tmp,sans-serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 48.1pt"></TD><TD STYLE="width: 17.65pt"><FONT STYLE="letter-spacing: -0.15pt">(9)</FONT></TD><TD STYLE="text-align: justify">in the definition of Employee;</TD></TR></TABLE>

<P STYLE="font: 10.5pt Z@R2699.tmp,sans-serif; margin: 0.6pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Z@R2699.tmp,sans-serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66.1pt"></TD><TD STYLE="width: 17.8pt"><FONT STYLE="letter-spacing: -0.15pt">1.</FONT></TD><TD>AllianceBernstein L.P. ,</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/13.35pt Z@R2699.tmp,sans-serif; margin-top: 0.05pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66.1pt"></TD><TD STYLE="width: 17.8pt"><FONT STYLE="letter-spacing: -0.15pt">2.</FONT></TD><TD>AllianceBernstein Holding L.P.,</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/13.35pt Z@R2699.tmp,sans-serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66.1pt"></TD><TD STYLE="width: 17.8pt"><FONT STYLE="letter-spacing: -0.15pt">3.</FONT></TD><TD>AllianceBernstein Corporation,</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/13.35pt Z@R2699.tmp,sans-serif; margin-top: 0.05pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66.1pt"></TD><TD STYLE="width: 17.8pt"><FONT STYLE="letter-spacing: -0.15pt">4.</FONT></TD><TD>AllianceBernstein Investments, Inc.,</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/13.35pt Z@R2699.tmp,sans-serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66.1pt"></TD><TD STYLE="width: 17.8pt"><FONT STYLE="letter-spacing: -0.15pt">5.</FONT></TD><TD>AllianceBernstein Global Derivatives Corporation,</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/13.35pt Z@R2699.tmp,sans-serif; margin-top: 0.05pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66.1pt"></TD><TD STYLE="width: 17.8pt"><FONT STYLE="letter-spacing: -0.15pt">6.</FONT></TD><TD>AllianceBernstein Investor Services, Inc., and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/13.35pt Z@R2699.tmp,sans-serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66.1pt"></TD><TD STYLE="width: 17.8pt"><FONT STYLE="letter-spacing: -0.15pt">7.</FONT></TD><TD>Sanford C. Bernstein &amp; Co., LLC.</TD></TR></TABLE>

<P STYLE="font: 11pt Z@R2699.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Z@R2699.tmp,sans-serif; margin: 0 64.4pt 0 48pt; text-align: justify">Nothing herein contained shall be held
to vary, alter, waive or extend any of the terms, limitations, conditions or agreements of the attached bond other than as above
stated.</P>

<P STYLE="font: 9.5pt Z@R2699.tmp,sans-serif; margin: 0.45pt 0 0">&nbsp;</P>

<P STYLE="font: 11pt Z@R2699.tmp,sans-serif; margin: 0 20.35pt 0 3.85pt; text-align: center">ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS
REMAIN UNCHANGED.</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin: 0"><IMG SRC="image_057.jpg" ALT="">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">&copy; All rights reserved.</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt"><B><I>END 017</I></B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">138538 (07/20)</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">1</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<!-- Field: Page; Sequence: 69 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>18</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"></P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>&nbsp;</I></B></P>


<P STYLE="font: 11pt Z@R2AD7.tmp,sans-serif; margin: 5.05pt 19.8pt 0 3.85pt; text-align: center"><B>SPECIFIC ENTITY EXCLUSION</B></P>

<P STYLE="font: 11pt Z@R2AD7.tmp,sans-serif; margin: 0.1pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 11pt Z@R2BF2.tmp,sans-serif; margin: 0.05pt 64.25pt 0 48pt; text-align: justify">In consideration of the premium
charged, it is hereby understood and agreed that this bond does not cover any loss of AllianceBernstein U.S. Real Estate (Employee)
Fund II, L.P. (including any subsidiary or employee thereof).</P>

<P STYLE="font: 13pt Z@R2BF2.tmp,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="margin: 0; font: 11pt Z@R2BF2.tmp,sans-serif">ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS REMAIN UNCHANGED.</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin: 0"><IMG SRC="image_057.jpg" ALT="">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">&copy; All rights reserved.</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt"><B><I>END 018</I></B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">132766 (05/19)</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">1</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<!-- Field: Page; Sequence: 70 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>19</I></P></TD>
    <TD STYLE="width: 33%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"></P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>&nbsp;</I></B></P>


<P STYLE="font: 10pt Univers ATT; margin: 2pt 19.8pt 0 3.85pt; text-align: center">FORMS INDEX ENDORSEMENT</P>

<P STYLE="font: 10pt Univers ATT; margin: 0.25pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0.05pt 0 2.05pt 13.75pt"><FONT STYLE="letter-spacing: 0.15pt">The </FONT><FONT STYLE="letter-spacing: 0.35pt">contents
of </FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">Policy </FONT><FONT STYLE="letter-spacing: 0.3pt">is
</FONT><FONT STYLE="letter-spacing: 0.5pt">comprised </FONT><FONT STYLE="letter-spacing: 0.4pt">of </FONT><FONT STYLE="letter-spacing: 0.25pt">the
</FONT><FONT STYLE="letter-spacing: 0.35pt">following</FONT> <FONT STYLE="letter-spacing: 0.45pt">forms:</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 11pt SimSun; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 21%; border-bottom: black 1pt solid; border-right: black 1pt solid">
        <P STYLE="font: 10.5pt Univers ATT,sans-serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 10pt/11.7pt Univers ATT,sans-serif; margin: 0 0 0 0.1pt">FORM NUMBER</P></TD>
    <TD STYLE="width: 7%; border-bottom: black 1pt solid; border-right: black 1pt solid">
        <P STYLE="font: 10pt Univers ATT,sans-serif; margin: 0.05pt 0.2pt 0 0.25pt; text-align: center">EDITION</P>
        <P STYLE="font: 10pt/11.7pt Univers ATT,sans-serif; margin: 0.55pt 1.9pt 0 0.25pt; text-align: center">DATE</P></TD>
    <TD STYLE="width: 72%; border-bottom: black 1pt solid">
        <P STYLE="font: 10.5pt Univers ATT,sans-serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 10pt/11.7pt Univers ATT,sans-serif; margin: 0 0 0 103.75pt">FORM TITLE</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-top: 5.2pt; padding-left: 2.15pt"><FONT STYLE="font-size: 12pt">MNSCPT</FONT></TD>
    <TD STYLE="border-right: black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding-top: 5.05pt; padding-left: 3.2pt"><FONT STYLE="font-size: 12pt">INVESTMENT COMPANY BLANKED BOND - DECLARATIONS</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.55pt; padding-left: 2.15pt"><FONT STYLE="font-size: 12pt">41206</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.55pt; padding-right: 5.3pt; text-align: right"><FONT STYLE="font-size: 12pt">09/84</FONT></TD>
    <TD STYLE="padding-top: 0.45pt; padding-left: 3.2pt"><FONT STYLE="font-size: 12pt">INVESTMENT COMPANY BLANKET BOND GUTS</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.45pt; padding-left: 2.15pt"><FONT STYLE="font-size: 12pt">127071</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.45pt; padding-right: 5.3pt; text-align: right"><FONT STYLE="font-size: 12pt">09/17</FONT></TD>
    <TD STYLE="padding-top: 0.45pt; padding-left: 3.2pt"><FONT STYLE="font-size: 12pt">NEW YORK PUNITIVE DAMAGES AMENDATORY ENDORSEMENT</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.6pt; padding-left: 2.15pt"><FONT STYLE="font-size: 12pt">SR 6180b</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.6pt; padding-right: 5.4pt; text-align: right"><FONT STYLE="font-size: 12pt">12/93</FONT></TD>
    <TD STYLE="padding-top: 0.35pt; padding-left: 3.2pt"><FONT STYLE="font-size: 12pt">NEW YORK STATUTORY RIDER</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.6pt; padding-left: 2.15pt"><FONT STYLE="font-size: 12pt">127423</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.6pt; padding-right: 5.3pt; text-align: right"><FONT STYLE="font-size: 12pt">11/17</FONT></TD>
    <TD STYLE="padding-top: 0.35pt; padding-left: 3.2pt"><FONT STYLE="font-size: 12pt">ADDITIONAL NAMED INSURED RIDER</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.6pt; padding-left: 2.15pt"><FONT STYLE="font-size: 12pt">132765</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.6pt; padding-right: 5.3pt; text-align: right"><FONT STYLE="font-size: 12pt">05/19</FONT></TD>
    <TD STYLE="padding-top: 0.35pt; padding-left: 3.2pt"><FONT STYLE="font-size: 12pt">AMENDED INSURING AGREEMENT (A) FIDELITY</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.35pt; padding-left: 2.15pt"><FONT STYLE="font-size: 12pt">131201</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.35pt; padding-right: 5.3pt; text-align: right"><FONT STYLE="font-size: 12pt">11/18</FONT></TD>
    <TD STYLE="padding-top: 0.35pt; padding-left: 3.2pt"><FONT STYLE="font-size: 12pt">AUDIT EXPENSE RIDER</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.6pt; padding-left: 2.15pt"><FONT STYLE="font-size: 12pt">119679</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.6pt; padding-right: 5.3pt; text-align: right"><FONT STYLE="font-size: 12pt">09/15</FONT></TD>
    <TD STYLE="padding-top: 0.35pt; padding-left: 3.2pt"><FONT STYLE="font-size: 12pt">ECONOMIC SANCTIONS ENDORSEMENT</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.6pt; padding-left: 2.15pt"><FONT STYLE="font-size: 12pt">132764</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.6pt; padding-right: 5.3pt; text-align: right"><FONT STYLE="font-size: 12pt">05/19</FONT></TD>
    <TD STYLE="padding-top: 0.35pt; padding-left: 3.2pt"><FONT STYLE="font-size: 12pt">AMENDED INSURING AGREEMENT (G) COUNTERFEIT CURRENCY</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.35pt; padding-left: 2.15pt"><FONT STYLE="font-size: 12pt">135055</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.35pt; padding-right: 5.3pt; text-align: right"><FONT STYLE="font-size: 12pt">12/19</FONT></TD>
    <TD STYLE="padding-top: 0.35pt; padding-left: 3.2pt"><FONT STYLE="font-size: 12pt">COMPUTER CRIME COVERAGE RIDER</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.55pt; padding-left: 2.15pt"><FONT STYLE="font-size: 12pt">132769</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.55pt; padding-right: 5.3pt; text-align: right"><FONT STYLE="font-size: 12pt">05/19</FONT></TD>
    <TD STYLE="padding-top: 0.45pt; padding-left: 3.2pt"><FONT STYLE="font-size: 12pt">AUTOMATED PHONE SYSTEMS</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.55pt; padding-left: 2.15pt"><FONT STYLE="font-size: 12pt">138539</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.55pt; padding-right: 5.3pt; text-align: right"><FONT STYLE="font-size: 12pt">07/20</FONT></TD>
    <TD STYLE="padding-top: 0.45pt; padding-left: 3.2pt"><FONT STYLE="font-size: 12pt">AUTOMATIC COVERAGE RIDER</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.45pt; padding-left: 2.15pt"><FONT STYLE="font-size: 12pt">132768</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.45pt; padding-right: 5.3pt; text-align: right"><FONT STYLE="font-size: 12pt">05/19</FONT></TD>
    <TD STYLE="padding-top: 0.45pt; padding-left: 3.2pt"><FONT STYLE="font-size: 12pt">AMEND SECTION 13. TERMINATION</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.6pt; padding-left: 2.15pt"><FONT STYLE="font-size: 12pt">135445</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.6pt; padding-right: 5.3pt; text-align: right"><FONT STYLE="font-size: 12pt">02/20</FONT></TD>
    <TD STYLE="padding-top: 0.35pt; padding-left: 3.2pt"><FONT STYLE="font-size: 12pt">CO-SURETY RIDER</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.6pt; padding-left: 2.15pt"><FONT STYLE="font-size: 12pt">99758</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.6pt; padding-right: 5.3pt; text-align: right"><FONT STYLE="font-size: 12pt">08/08</FONT></TD>
    <TD STYLE="padding-top: 0.35pt; padding-left: 3.2pt"><FONT STYLE="font-size: 12pt">NOTICE OF CLAIM (REPORTING BY E-MAIL)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.6pt; padding-left: 2.15pt"><FONT STYLE="font-size: 12pt">132767</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.6pt; padding-right: 5.3pt; text-align: right"><FONT STYLE="font-size: 12pt">05/19</FONT></TD>
    <TD STYLE="padding-top: 0.35pt; padding-left: 3.2pt"><FONT STYLE="font-size: 12pt">RELIANCE UPON OTHER CARRIER'S APPLICATION RIDER</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.35pt; padding-left: 2.15pt"><FONT STYLE="font-size: 12pt">69898</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.35pt; padding-right: 5.3pt; text-align: right"><FONT STYLE="font-size: 12pt">09/06</FONT></TD>
    <TD STYLE="padding-top: 0.35pt; padding-left: 3.2pt"><FONT STYLE="font-size: 12pt">NEW YORK AMENDATORY - CANCELLATION/NONRENEWAL</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.6pt; padding-left: 2.15pt"><FONT STYLE="font-size: 12pt">83231</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.6pt; padding-right: 5.3pt; text-align: right"><FONT STYLE="font-size: 12pt">01/09</FONT></TD>
    <TD STYLE="padding-top: 0.35pt; padding-left: 3.2pt"><FONT STYLE="font-size: 12pt">NEW YORK LAW 3420 AMENDATORY ENDORSEMENT</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.6pt; padding-left: 2.15pt"><FONT STYLE="font-size: 12pt">138538</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.6pt; padding-right: 5.3pt; text-align: right"><FONT STYLE="font-size: 12pt">07/20</FONT></TD>
    <TD STYLE="padding-top: 0.35pt; padding-left: 3.2pt"><FONT STYLE="font-size: 12pt">AMENDED INSURED RIDER</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.35pt; padding-left: 2.15pt"><FONT STYLE="font-size: 12pt">132766</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.35pt; padding-right: 5.3pt; text-align: right"><FONT STYLE="font-size: 12pt">05/19</FONT></TD>
    <TD STYLE="padding-top: 0.35pt; padding-left: 3.2pt"><FONT STYLE="font-size: 12pt">SPECIFIC ENTITY EXCLUSION</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.55pt; padding-left: 2.15pt; line-height: 15pt"><FONT STYLE="font-size: 12pt">78859</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; padding-top: 0.55pt; padding-right: 5.3pt; text-align: right; line-height: 15pt"><FONT STYLE="font-size: 12pt">10/01</FONT></TD>
    <TD STYLE="padding-top: 0.45pt; padding-left: 3.2pt; line-height: 15.1pt"><FONT STYLE="font-size: 12pt">FORMS INDEX ENDORSEMENT</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">&copy; All rights reserved.</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt"><I>1-14180</I></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt"><B><I>END 019</I></B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">78859 (10/01)</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">Page 1 of 2</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 11pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 34%"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"><U>ENDORSEMENT#</U>&nbsp;&nbsp;&nbsp;<I>19</I></P></TD>
    <TD STYLE="width: 33%">(Continued)<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 26.3pt 12pt 0; text-align: center"></P></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 11pt">This endorsement, effective at</FONT></TD>
    <TD STYLE="width: 15%"><B><I>12:01 am</I></B></TD>
    <TD STYLE="width: 22%"><B><I>May 15, 2020 </I></B></TD>
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 11pt">forms a part of</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 11pt">Policy number </FONT></TD>
    <TD STYLE="width: 80%"><B><I>01-340-37-26</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%"><FONT STYLE="font-size: 11pt">Issued to: </FONT></TD>
    <TD STYLE="width: 85%"><B><I>AllianceBernstein Complex of Registered Investment Companies</I></B></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%"><FONT STYLE="font-size: 11pt">By:</FONT></TD>
    <TD STYLE="width: 92%"><B><I>National Union Fire Insurance Company of Pittsburgh, Pa.</I></B></TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B><I>&nbsp;</I></B></P>


<P STYLE="font: 10pt Univers ATT; margin: 2pt 19.8pt 0 3.85pt; text-align: center">FORMS INDEX ENDORSEMENT</P>

<P STYLE="font: 10pt Univers ATT; margin: 0.25pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0.05pt 0 0 13.75pt"><FONT STYLE="letter-spacing: 0.15pt">The </FONT><FONT STYLE="letter-spacing: 0.35pt">contents
of </FONT><FONT STYLE="letter-spacing: 0.25pt">the </FONT><FONT STYLE="letter-spacing: 0.35pt">Policy </FONT><FONT STYLE="letter-spacing: 0.3pt">is
</FONT><FONT STYLE="letter-spacing: 0.5pt">comprised </FONT><FONT STYLE="letter-spacing: 0.4pt">of </FONT><FONT STYLE="letter-spacing: 0.25pt">the
</FONT><FONT STYLE="letter-spacing: 0.35pt">following</FONT> <FONT STYLE="letter-spacing: 0.45pt">forms:</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Univers ATT; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 21%; padding-top: 0.05pt; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 7%; padding-top: 0.05pt; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 72%; padding-top: 0.05pt; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="border-bottom: Black 1pt solid; vertical-align: top">
    <TD STYLE="padding-top: 0.05pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="letter-spacing: 0.45pt">FORM NUMBER</FONT></TD>
    <TD STYLE="padding-top: 0.05pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="letter-spacing: 0.45pt">EDITION DATE</FONT></TD>
    <TD STYLE="padding-top: 0.05pt; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="letter-spacing: 0.45pt">FORM TITLE</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Univers ATT; margin: 0.05pt 0 0 13.75pt"><FONT STYLE="letter-spacing: 0.45pt">&nbsp;</FONT></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 5.1pt 0 0 47pt">ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS REMAIN UNCHANGED.</P>

<P STYLE="font: 10pt Univers ATT; margin: 5.1pt 0 0 47pt">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0.35pt 0 0"></P>

<P STYLE="text-align: right; margin: 0"><IMG SRC="image_010.gif" ALT="" STYLE="width: 289px; height: 58px"></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/11.95pt Univers ATT; margin: 0 0 0 5.3in">AUTHORIZED REPRESENTATIVE</P>

<P STYLE="font: 10pt/11.95pt Univers ATT; margin: 0 0 0 5.3in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">&copy; All rights reserved.</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt"><I>1-14180</I></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt"><B><I>END 019</I></B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 11pt">78859 (10/01)</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt">Page2  of 2</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"><IMG SRC="image_059.jpg" ALT="">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"><IMG SRC="image_060.jpg" ALT="">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="text-align: right; font: 10pt Univers ATT; margin: 0"><IMG SRC="image_061.jpg" ALT="" STYLE="height: 48px; width: 89px"></P>

<P STYLE="font: 10pt Univers ATT; margin: 0">&nbsp;</P>

<P STYLE="font: 13pt Univers ATT; margin: 0.4pt 0 0; text-align: center">CLAIM REPORTING FORM</P>

<P STYLE="font: 13pt Univers ATT; margin: 0.4pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Univers ATT; margin: 2pt 0 0 156.2pt"><I>centralized Customer Link and Information Management</I></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<P STYLE="margin: 0">&nbsp;</P>


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<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: right"> Exhibit B</P>

<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-variant: small-caps">Registered
Investment Companies Joint Fidelity Bond Agreement</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in; text-align: justify"><FONT STYLE="font-size: 14pt; font-variant: small-caps">Agreement</FONT>
<FONT STYLE="font-size: 12pt">made as of May 14, 2020, by and among AB Bond Fund, Inc., AB Cap Fund, Inc., AB Core Opportunities
Fund, Inc., AB Corporate Shares, AB Discovery Growth Fund, Inc., AB Equity Income Fund, Inc., AB Fixed-Income Shares, Inc., AB
Global Bond Fund, Inc., AB Global Real Estate Investment Fund, Inc., AB Global Risk Allocation Fund, Inc., AB High Income Fund,
Inc., AB Institutional Funds, Inc., AB Large Cap Growth Fund, Inc., AB Municipal Income Fund, Inc., AB Municipal Income Fund II,
AB Relative Value Fund, Inc., AB Sustainable Global Thematic Fund, Inc., AB Sustainable International Thematic Fund, Inc., AB Trust,
AB Unconstrained Bond Fund, Inc., AB Variable Products Series Fund, Inc., Sanford C. Bernstein Fund II, Inc., The AB Portfolios,
AllianceBernstein Global High Income Fund, Inc., Alliance National Municipal Income Fund, Inc., AB Multi-Manager Alternative Fund,
Bernstein Fund, Inc., Sanford C. Bernstein Fund, Inc., (collectively, the &ldquo;<U>investment companies</U>&rdquo;) and AllianceBernstein
L.P. (&ldquo;<U>AB</U>&rdquo;)</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in; text-align: justify"><FONT STYLE="font-size: 14pt; font-variant: small-caps">Whereas</FONT><FONT STYLE="font-size: 12pt">,
the investment companies that are parties to this Agreement are management investment companies registered under the Investment
Company Act of 1940, as amended (the &ldquo;<U>Act</U>&rdquo;); and</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in; text-align: justify"><FONT STYLE="font-size: 14pt; font-variant: small-caps">Whereas</FONT><FONT STYLE="font-size: 12pt">,
AB provides investment advisory services and/or certain administrative and financial services to the investment companies; and</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in; text-align: justify"><FONT STYLE="font-size: 14pt; font-variant: small-caps">Whereas</FONT><FONT STYLE="font-size: 12pt">,
pursuant to Rule 17g-1, as amended, promulgated under the Act, registered management investment companies must provide and maintain
fidelity bonds covering larceny and embezzlement by certain of their officers and employees in amounts no less than stated minimums
based upon the gross assets of such registered management investment companies; and</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in; text-align: justify"><FONT STYLE="font-size: 14pt; font-variant: small-caps">Whereas</FONT><FONT STYLE="font-size: 12pt">,
pursuant to Rule 17g-1(b) under the Act, registered management investment companies that are managed and/or whose shares are distributed
by the same person may obtain joint coverage as insureds under a single fidelity bond (a &ldquo;<U>joint fidelity bond</U>&rdquo;);
and</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in; text-align: justify"><FONT STYLE="font-size: 14pt; font-variant: small-caps">Whereas</FONT><FONT STYLE="font-size: 12pt">,
the investment companies are registered management investment companies managed by AB; and</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in; text-align: justify"><FONT STYLE="font-size: 14pt; font-variant: small-caps">Whereas</FONT><FONT STYLE="font-size: 12pt">,
the investment companies desire to obtain coverage under one joint fidelity bond; and</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in; text-align: justify"><FONT STYLE="font-size: 14pt; font-variant: small-caps">Whereas</FONT><FONT STYLE="font-size: 12pt">,
the Board of Directors of the Sanford C. Bernstein Fund, Inc. (&ldquo;<U>SCB Fund</U>&rdquo;) and the Bernstein Fund, Inc. (&ldquo;<U>Bernstein
Fund</U>&rdquo; and, together with SCB Fund, &ldquo;<U>SCB Funds</U>&rdquo;) elects to calculate the required amounts of fidelity
bond coverage on a basis that treats each portfolio of either SCB Fund or Bernstein Fund as a separate registered management investment
company for purposes of Rule 17g-1, even though not required to do so under the Rule; and</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>


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<P STYLE="font: 12pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in; text-align: justify"><FONT STYLE="font-size: 14pt; font-variant: small-caps">Whereas</FONT><FONT STYLE="font-size: 12pt">,
the AB Multi-Manager Alternative Fund (&ldquo;<U>MMA Fund</U>&rdquo;) is composed of a single portfolio; and</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in; text-align: justify"><FONT STYLE="font-size: 14pt; font-variant: small-caps">Whereas</FONT><FONT STYLE="font-size: 12pt">,
the Boards of Directors or Trustees of each investment company that is a party to this Agreement other than SCB Fund, Bernstein
Fund and MMA Fund (each such investment company, an &ldquo;<U>AB Fund</U>&rdquo;, and together, the &ldquo;<U>AB Funds</U>&rdquo;)
that has multiple portfolios elects to calculate the required amounts of fidelity bond coverage on a basis that treats such an
investment company as a single registered management investment company for purposes of Rule 17g-1; and</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in; text-align: justify"><FONT STYLE="font-size: 14pt; font-variant: small-caps">Whereas</FONT><FONT STYLE="font-size: 12pt">,
the Board of Directors or Trustees of each of the investment companies which are parties to this Agreement, including a majority
of the Directors or Trustees, as applicable, who are not &ldquo;interested persons&rdquo; of such investment company as defined
by Section 2(a)(19) of the Act (&ldquo;<U>Disinterested Directors/Trustees</U>&rdquo;), has approved coverage under one joint fidelity
bond with each of the other investment companies that are parties to this Agreement in the respective amounts set forth in Schedule
A to this Agreement.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in"><FONT STYLE="font-size: 14pt; font-variant: small-caps">Now</FONT><FONT STYLE="font-size: 12pt; font-variant: small-caps">,
</FONT><FONT STYLE="font-size: 14pt; font-variant: small-caps">Therefore</FONT><FONT STYLE="font-size: 12pt">, it is agreed as
follows:</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in; text-align: justify">1. That the investment
companies that are parties to this Agreement and AB will be named as insureds and will be covered under a joint fidelity bond underwritten
by National Union Fire Insurance Co., U.S. Specialty Insurance Company, Continental Insurance Company, Berkley Regional Insurance
Company and Crum &amp; Forster Insurance Company (each, a &ldquo;<U>fidelity insurance company</U>&rdquo; and collectively, the
&ldquo;<U>fidelity insurance companies</U>&rdquo;) in the aggregate amount of $67,150,000 at a total annual cost of approximately
$216,365, each such investment company having specific coverage in accordance with Rule 17g-1(d). The required coverage amount
(calculated pursuant to the elections of the respective Boards) for each investment company is also shown opposite the name of
each investment company in a separate column on Schedule A. For the avoidance of doubt, the amount of coverage under the joint
fidelity bond shall at all times be at least equal in amount to the total amount of coverage which each investment company would
have been required to provide and maintain individually pursuant to the schedule set forth in paragraph (d)(i) of Rule 17g-1 under
the Act had each investment company not been named an insured under the joint fidelity bond.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in; text-align: justify">2. No premium shall be
paid by an investment company under the joint fidelity bond unless that investment company&rsquo;s Board of Directors or Trustees,
as applicable, including a majority of the Disinterested Directors/Trustees, shall have approved the portion of the premium to
be paid by that investment company. The premium payable on the joint fidelity bond shall be allocated among the investment companies
in the respective amounts set forth opposite the name of each investment company listed on Schedule A in the column entitled &ldquo;Allocated
Cost.&rdquo;</P>


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<P STYLE="font: 12pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in; text-align: justify">3. AB has been named an
insured under the joint fidelity bond for administrative convenience. The parties agree that in no event shall AB be entitled to
retain any recovery payable under the joint fidelity bond, although it may receive payments which will be distributed to one or
more investment companies to facilitate the administration of the joint fidelity bond.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in; text-align: justify">4. (a) In the event that
one or more of the investment companies sustains a loss for which recovery is received under the joint fidelity bond, each such
investment company shall receive that portion of the recovery which is sufficient in amount to indemnify that party in full for
the loss sustained by it (other than the portion thereof subject to a deductible), unless the recovery is inadequate to fully indemnify
all investment companies for such losses by them (other than the portions thereof subject to deductibles).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in; text-align: justify">(b) If the recovery is
inadequate to indemnify fully each such investment company for losses sustained by it (other than the portion thereof subject to
a deductible), the recovery shall be allocated as follows, to the extent applicable:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in; text-align: justify">(i) The AB Funds shall
be allocated an aggregate amount equal to the lesser of (A) their actual aggregate loss (net of any deductibles) and (B) the sum
of $39,600,000 plus the difference between: (1) $26,300,000 and the amount of the loss recovered by the SCB Funds under clause
(ii), and (3) $1,250,000 and the amount of the loss recovered by the MMA Fund under clause (iii). Such amount shall be allocated
among the AB Funds on an equitable and proportionate basis as determined by their respective Boards of Directors or Trustees, but
each AB Fund shall be allocated an amount at least equal to the amount which it would have received had it procured and maintained
a single insured bond with the minimum coverage required by Rule 17g-1(d)(1).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in; text-align: justify">(ii) The SCB Funds shall
be allocated an aggregate amount equal to the lesser of (A) their actual aggregate loss (net of any deductibles) and (B) the sum
of $26,300,000 plus the difference between: (1) $39,600,000 and the amount of the loss recovered by the AB Funds under clause (i)
and (2) $1,250,000 and the amount of the loss recovered by the MMA Fund under clause (iii). Such amounts shall be allocated among
the portfolios of the SCB Fund on an equitable and proportionate basis as determined by the Board of Directors of the SCB Fund,
but each such portfolio shall be allocated an amount at least equal to the amount which it would have received had it procured
and maintained a single insurance bond with the minimum coverage required by Rule 17g-1(d)(1), assuming that each such portfolio
would be deemed a separate registered investment company for such purposes.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in; text-align: justify">(iii) MMA Fund shall be
allocated an aggregate amount equal to the lesser of (A) its actual loss (net of any deductibles) and (B) the sum of $1,250,000
plus the difference between: (1) $39,600,000 and the amount of the loss recovered by the AB Funds under clause (i) and (2) $26,300,000
and the amount of the loss recovered by the SCB Funds under clause (ii). Such amount shall be at least equal to the amount which
MMA Fund would have received had it</P>


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<P STYLE="font: 12pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">procured and maintained a single insurance
bond with the minimum coverage required by Rule 17g-1(d)(1).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in; text-align: justify">(iv) Where a compromise
results in recovery by any or all of the investment companies of less than the full amount of its (or their) actual aggregate loss
covered by the joint fidelity bond, the recovery shall be allocated consistent with clauses (i), (ii) and (iii) above among the
investment companies that sustained such loss, without regard to the proportion of the actual aggregate loss recovered, and with
the $39,600,000, $26,300,000 and $1,250,000 amounts being reduced proportionate to any reduction to the $71,250,000 total insured
bond as a result of such compromise unless the compromise was based on facts and circumstances particular to one or more, but fewer
than all, insured parties seeking to recover, in which case any or all of the $39,600,000, $26,300,000 or $1,250,000 amounts will
be adjusted in an equitable manner taking into account the particular facts and circumstances and the principles reflected above.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in; text-align: justify">5. This Agreement may
not be amended or modified in any manner except by a written agreement executed by all parties hereto.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in; text-align: justify">6. This Agreement shall
be governed by and construed in accordance with the laws of the State of New York.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0; text-indent: 45.8pt; text-align: justify">&nbsp;</P>


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<P STYLE="font: 12pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in; text-align: justify">IN WITNESS WHEREOF, each
of the parties has caused this Agreement to be executed in its name and on its behalf by its authorized representative effective
as of the day and year first written above.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 1.25in"><U>/s/ Emilie D. Wrapp&#9;</U></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 1.25in">Emilie D. Wrapp</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 1.25in">Secretary for each of the Investment Companies</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 80pt">&nbsp;&nbsp;&nbsp;&nbsp;<U>/s/ David M. Lesser&#9;</U></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 91.6pt">David M. Lesser</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 91.6pt">Corporate Secretary for AllianceBernstein L.P.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>


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<P STYLE="font: 12pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt">&nbsp;</P>



<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-variant: small-caps"><U>Schedule
A</U></FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 60%; padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">Registered Management Investment Companies</FONT></TD>
    <TD STYLE="width: 20%; padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">Allocated Cost ($)</FONT></TD>
    <TD STYLE="width: 20%; padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">Bond Amount ($)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">AB Bond Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">7,706.14</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">2,500,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">AB Cap Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">7,706.14</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">2,500,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">AB Core Opportunities Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">2,311.84</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">750,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">AB Corporate Shares</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">7,089.65</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">2,300,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">AB Discovery Growth Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">5,856.67</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">1,900,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">AB Equity Income Fund, Inc</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">2,774.21</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">&nbsp;&nbsp;900,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">AB Fixed-Income Shares, Inc.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">7,706.14</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">2,500,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">AB Global Bond Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">7,706.14</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">2,500,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">AB Global Real Estate Investment Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">1,849.47</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">600,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">AB Global Risk Allocation Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">2,311.84</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">750,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">AB High Income Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">7,706.14</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">2,500,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">AB Institutional Funds, Inc.</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">2,311.84</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">750,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">AB Large Cap Growth Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">7,706.14</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">2,500,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">AB Municipal Income Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">7,706.14</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">2,500,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">AB Municipal Income Fund, II</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">3,853.07</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">1,250,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">AB Relative Value Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">4,623.68</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">1,500,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">AB Sustainable Global Thematic Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">3,853.07</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">1,250,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">AB Sustainable International Thematic Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">2,311.84</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">750,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">AB Trust&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">7,089.65</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">2,300,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">AB Unconstrained Bond Fund, Inc.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">2,311.84</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">750,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">AB Variable Products Series Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">7,706.14</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">2,500,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">Sanford C. Bernstein Fund II, Inc</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">3,082.46</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">1,000,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">The AB Portfolios&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">7,706.14</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">2,500,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">AllianceBernstein Global High Income Fund, Inc.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">3,853.07</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">1,250,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">AllianceBernstein National Municipal Income Fund, Inc.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">2,774.21</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">900,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">Alliance California Municipal Income Fund, Inc.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">1,849.47</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">&nbsp;&nbsp;&nbsp;600,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">Bernstein Fund, Inc. </FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 17.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">Small Cap Portfolio</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">3,853.07</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">1,250,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 17.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">International Small Cap Portfolio</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">3,853.07</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">1,250,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 17.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">International Strategic Equities Portfolio</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">7,706.14</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">2,500,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">Sanford C. Bernstein Fund, Inc</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 17.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">California Municipal Portfolio</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">3,853.07</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">1,250,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 17.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">Diversified Municipal Portfolio&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">7,706.14</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">2,500,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 17.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">Emerging Markets Portfolio&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">4,623.68</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">1,500,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 17.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">Intermediate Duration Portfolio&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">7,089.65</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">2,300,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 17.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">International Portfolio&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">4,623.68</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">1,500,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 17.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">New York Municipal Portfolio&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">4,623.68</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">1,500,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 17.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">Short Duration Diversified Municipal Portfolio&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">1,849.47</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">600,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 17.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">Short Duration Portfolio&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">2,311.84</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">750,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 17.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">Tax-Managed International Portfolio&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">7,089.65</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">2,300,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 17.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">Overlay A Portfolio&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">5,240.18</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">1,700,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 17.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">Overlay B Portfolio&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">3,853.07</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">1,250,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 17.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">Tax-Aware Overlay A Portfolio&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">7,706.14</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">2,500,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 17.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">Tax-Aware Overlay B Portfolio&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">5,240.18</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">1,700,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 17.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">Tax-Aware Overlay C Portfolio&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">2,774.21</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">&nbsp;&nbsp;&nbsp;900,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 17.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">Tax-Aware Overlay N Portfolio&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">2,311.84</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">&nbsp;&nbsp;&nbsp;750,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">AB Multi-Manager Alternative Fund</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">3,853.07</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">1,250,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">Totals</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt"><B>$219,624.97</B></FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt"><B>$71,250,000</B></FONT></TD></TR>
</TABLE>


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: right">Exhibit C-1</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: right">&nbsp;</P>

<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0; font-size: 10pt">CERTIFICATE
OF ASSISTANT SECRETARY</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 12.3pt; margin-bottom: 0; text-align: center">THE AB FUNDS*</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 10.4pt; margin-bottom: 0; text-align: center">Regarding Fidelity Bond</P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.75pt 0 0; text-indent: 0.5in">The undersigned, being duly elected
and qualified Assistant Secretary of the Funds listed on Schedule A (attached hereto), hereby certifies that attached hereto is
a true and complete copy of the resolutions that were approved by the Board of Directors/Trustees of the Funds at a meeting held
on May 5-7, 2020, at which a quorum was present and voted in favor thereof, and that said resolutions have not been revoked or
amended and are now in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.8pt 0.45in 0 0; text-indent: 0.5in">IN WITNESS WHEREOF, the undersigned
has executed this Certificate as Assistant Secretary of the above-referenced Funds on this 5<SUP>th</SUP> day of June, 2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.8pt 0.45in 0 0; text-indent: 0.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 65%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 35%; text-align: center">/s/ Stephen J. Laffey</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center"><P STYLE="margin: 0; font: 10pt Times New Roman, Times, Serif">Stephen J. Laffey</P>


</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">Assistant Secretary</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.8pt 0.45in 0 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.8pt 0.45in 0 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.8pt 0.45in 0 0; text-indent: 0.5in">&nbsp;</P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"></P>

<P STYLE="font: 12pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-bottom: 12pt; margin-right: 0.05in; margin-left: 0; text-indent: 0.45in">RESOLVED, that the Board of
Directors/Trustees hereby determines that participation by the Funds in a joint fidelity bond underwritten by National Union Fire
Insurance Company, U.S. Specialty Insurance Company, Continental Insurance Company, Berkley Regional Insurance Company, and Crum
&amp; Forster, covering officers and employees of each Fund (and employees of service providers to each Fund if and to the extent
such persons are included in the definition of &ldquo;Employee&rdquo; in the joint fidelity bond) in accordance with the requirements
of Rule 17g-1 promulgated by the Securities and Exchange Commission under Section 17(g) of the Investment Company Act of 1940,
as amended (the &ldquo;Act&rdquo;) in the amount of $67,150,000 is reasonable in form and amount, after having given due consideration
to the value of the aggregate assets of the Funds to which any such covered person may have access, the type and terms of the arrangements
made for the custody and safekeeping of such assets and the nature of the securities in the Funds&rsquo; portfolios;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-bottom: 12pt; margin-right: 0.05in; margin-left: 0; text-indent: 0.45in">RESOLVED, that the Board of Directors/Trustees,
including a majority of the disinterested Directors/Trustees, hereby approves, ratifies and authorizes the payment by the Treasurer
of the Funds of an amount approximately equal to _____*_____ representing the portion of 2020 annual premium on such joint insured
fidelity bond allocable to the each Fund based on its coverage under such bond after giving due consideration to all relevant factors,
including the number of other parties named as the insured, the nature of the business activities of such other parties, the <B>$67,150,000
</B>aggregate amount of coverage under the joint insured bond, the aggregate 2020 annual cost of such bond of <B>$220,566</B>,
the ratable allocation of the cost among all parties named as insureds and the extent to which the share of the cost allocated
to each Fund is less than the cost such Fund would have to pay if it maintained a single insured bond with an aggregate limit equal
to that of the joint bond;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-bottom: 12pt; margin-right: 0.05in; margin-left: 0; text-indent: 0.45in">RESOLVED, that the Board of Directors/Trustees,
including a majority of the disinterested Directors/Trustees, hereby confirms, ratifies and approves in all respects the execution
by the appropriate officers of the Funds of an agreement among each Fund and all of the other named insureds under the joint fidelity
bond, which agreement provides that in the event recovery is received under the bond as a result of a loss sustained by a Fund
and one or more named insureds, such Fund shall receive an equitable and proportionate share of the recovery, but at least equal
to the amount which it would have received had it maintained a single insured bond with the minimum coverage required by paragraph
(d)(1) of Rule 17g-1 promulgated under the Act; and</P>

<P STYLE="margin-bottom: 12pt; font: 10pt Times New Roman, Times, Serif; margin-right: 0.05in; margin-left: 0; text-indent: 0.45in">RESOLVED, that the Secretary
and each Assistant Secretary of the Funds be, and each of them hereby is, designated to make all filings with the Securities and
Exchange Commission and to give all notices on behalf of the Funds required by paragraph (g) of Rule 17g-1 promulgated under the
Investment Company Act of 1940.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-bottom: 12pt; margin-right: 0.05in; margin-left: 0; text-indent: 0.45in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-bottom: 12pt; margin-right: 0.05in; margin-left: 0; text-indent: 0.45in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-bottom: 12pt; margin-right: 0.05in; margin-left: 0; text-indent: 0.45in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR>
    <TD STYLE="width: 79%; text-align: left"><FONT STYLE="font-size: 10pt">Schedule A -- *</FONT></TD>
    <TD STYLE="text-align: left; vertical-align: top; width: 21%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 45pt"><FONT STYLE="font-size: 10pt"><U>AB Funds</U></FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt"><U>Allocated Cost</U></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 45pt">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 45pt">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 45pt"><FONT STYLE="font-size: 10pt">AB Bond Fund, Inc.</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$8,211.69</FONT></TD></TR>
<TR>
    <TD STYLE="padding-left: 45pt"><FONT STYLE="font-size: 10pt">AB Cap Fund, Inc.</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$8,211.69</FONT></TD></TR>
<TR>
    <TD STYLE="padding-left: 45pt"><FONT STYLE="font-size: 10pt">AB Core Opportunities Fund, Inc.</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$1,970.81</FONT></TD></TR>
<TR>
    <TD STYLE="padding-left: 45pt"><FONT STYLE="font-size: 10pt">AB Corporate Shares</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$8,211.69</FONT></TD></TR>
<TR>
    <TD STYLE="padding-left: 45pt"><FONT STYLE="font-size: 10pt">AB Discovery Growth Fund, Inc.</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$5,583.95</FONT></TD></TR>
<TR>
    <TD STYLE="padding-left: 45pt"><FONT STYLE="font-size: 10pt">AB Equity Income Fund, Inc.</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$2,463.51</FONT></TD></TR>
<TR>
    <TD STYLE="padding-left: 45pt"><FONT STYLE="font-size: 10pt">AB Fixed-Income Shares, Inc.</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$8,211.69</FONT></TD></TR>
<TR>
    <TD STYLE="padding-left: 45pt"><FONT STYLE="font-size: 10pt">AB Global Bond Fund, Inc.</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$8,211.69</FONT></TD></TR>
<TR>
    <TD STYLE="padding-left: 45pt"><FONT STYLE="font-size: 10pt">AB Global Real Estate Investment Fund, Inc.</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$1,724.45</FONT></TD></TR>
<TR>
    <TD STYLE="padding-left: 45pt"><FONT STYLE="font-size: 10pt">AB Global Risk Allocation Fund, Inc.</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$1,970.81</FONT></TD></TR>
<TR>
    <TD STYLE="padding-left: 45pt"><FONT STYLE="font-size: 10pt">AB High Income Fund, Inc.</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$8,211.69</FONT></TD></TR>
<TR>
    <TD STYLE="padding-left: 45pt"><FONT STYLE="font-size: 10pt">AB Institutional Funds, Inc.</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$2,463.51</FONT></TD></TR>
<TR>
    <TD STYLE="padding-left: 45pt"><FONT STYLE="font-size: 10pt">AB Large Cap Growth Fund, Inc.</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$8,211.69</FONT></TD></TR>
<TR>
    <TD STYLE="padding-left: 45pt"><FONT STYLE="font-size: 10pt">AB Municipal Income Fund, Inc.</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$8,211.69</FONT></TD></TR>
<TR>
    <TD STYLE="padding-left: 45pt"><FONT STYLE="font-size: 10pt">AB Municipal Income Fund, Inc. II</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$3,284.68</FONT></TD></TR>
<TR>
    <TD STYLE="padding-left: 45pt"><FONT STYLE="font-size: 10pt">AB Relative Value Fund, Inc.</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$4,927.01</FONT></TD></TR>
<TR>
    <TD STYLE="padding-left: 45pt"><FONT STYLE="font-size: 10pt">AB Sustainable Global Thematic Fund, Inc.</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$4,105.85</FONT></TD></TR>
<TR>
    <TD STYLE="padding-left: 45pt"><FONT STYLE="font-size: 10pt">AB Sustainable International Thematic Fund, Inc.</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$2,463.51</FONT></TD></TR>
<TR>
    <TD STYLE="padding-left: 45pt"><FONT STYLE="font-size: 10pt">AB Trust</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$6,240.88</FONT></TD></TR>
<TR>
    <TD STYLE="padding-left: 45pt"><FONT STYLE="font-size: 10pt">AB Unconstrained Bond Fund, Inc.</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$1,724.45</FONT></TD></TR>
<TR>
    <TD STYLE="padding-left: 45pt"><FONT STYLE="font-size: 10pt">AB Variable Products Series Fund, Inc.</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$7,544.76</FONT></TD></TR>
<TR>
    <TD STYLE="padding-left: 45pt"><FONT STYLE="font-size: 10pt">Sanford C. Bernstein Fund II, Inc.</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$3,284.68</FONT></TD></TR>
<TR>
    <TD STYLE="padding-left: 45pt"><FONT STYLE="font-size: 10pt">The AB Portfolios</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$7,544.76</FONT></TD></TR>
<TR>
    <TD STYLE="padding-left: 45pt"><FONT STYLE="font-size: 10pt">AllianceBernstein Global High Income Fund, Inc.</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$4,105.85</FONT></TD></TR>
<TR>
    <TD STYLE="padding-left: 45pt"><FONT STYLE="font-size: 10pt">AllianceBernstein National Municipal Income Fund, Inc.</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$2,956.21</FONT></TD></TR>
<TR>
    <TD STYLE="padding-left: 45pt"><FONT STYLE="font-size: 10pt"></FONT></TD>
    <TD STYLE="text-align: left; vertical-align: top"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-bottom: 12pt; margin-right: 0.05in; margin-left: 0; text-indent: 0.45in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-bottom: 12pt; margin-right: 0.05in; margin-left: 0; text-indent: 0.45in"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: right">Exhibit C-2</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: right">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0.75pt 0 13.8pt; text-align: center">CERTIFICATE OF ASSISTANT SECRETARY</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">SANFORD C. BERNSTEIN FUND, INC.<BR>
BERNSTEIN FUND, INC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 14.1pt 0 0; text-align: center">Regarding Fidelity Bond</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 14.1pt 0 0; text-align: center"></P>

<P STYLE="font: 10pt/200% Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The undersigned, being the duly elected and
qualified Assistant Secretary of the above-referenced Funds, hereby certifies that attached hereto is a true and complete copy
of the resolutions that were approved by the Board of Directors of the Funds by written consent on May 14<SUP>th</SUP>, 2020, and
that said resolutions have not been revoked or amended and are now in full force and effect.</P>

<P STYLE="font: 10pt/200% Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/200% Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">IN WITNESS WHEREOF, the undersigned has executed
this Certificate of Secretary of the above-referenced Funds on this 21<SUP>st</SUP> day of May, 2020.</P>

<P STYLE="font: 10pt/200% Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 65%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 35%; text-align: center">/s/ Nancy E. Hay</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">Nancy E. Hay</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">Assistant Secretary</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt/200% Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">RESOLVED, that the
Board of Directors hereby determines that participation by SCB Fund and Bernstein Fund (together, the &ldquo;Funds&rdquo;) in a
joint fidelity bond underwritten by National Union Fire Insurance Company, U.S. Specialty Insurance Company, Berkley Regional Insurance
Company and Crum &amp; Forster Insurance Company, covering officers and employees of the Funds (and employees of service providers
to the Funds if and to the extent such persons are included in the definition of &ldquo;Employee&rdquo; in the joint fidelity bond)
in accordance with the requirements of Rule 17g-1 promulgated by the Securities and Exchange Commission under Section 17(g) of
the Investment Company Act of 1940, as amended (the &ldquo;1940 Act&rdquo;), in the amount of $21,550,000 for SCB Fund and $4,750,000
for Bernstein Fund is reasonable in form and amount, after having given due consideration to the value of the aggregate assets
of the Funds to which any such covered person may have access, the type and terms of the arrangements made for the custody and
safekeeping of such assets and the nature of the securities in the Funds&rsquo; portfolios; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">FURTHER RESOLVED,
that the Board of Directors, including a majority of the Independent Directors, hereby approves, ratifies and authorizes the payment
by the Treasurer of the Funds of an amount equal to approximately $70,800 as it relates to SCB Fund and $15,600 as it relates to
Bernstein Fund, representing the respective portion of the 2020 annual premium on such joint insured fidelity bond allocable to
the Funds based on their coverage under such bond after giving due consideration to all relevant factors, including the number
of other parties named as insured, the nature of the business activities of such other parties, the $67,150,000 aggregate amount
of coverage under the joint insured bond, the aggregate 2020 annual cost of such bond of approximately $220,600, the ratable allocation
of the cost among all parties named as insured and the extent to which the share of the cost allocated to the Funds is less than
the cost the Funds would have to pay if they maintained a single insured bond with an aggregate limit equal to that of the joint
bond; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">FURTHER RESOLVED, that the Board of Directors, including a majority
of the Independent Directors, hereby confirms, ratifies and approves in all respects the execution by the appropriate officers
of the Funds of an agreement among SCB Fund, Bernstein Fund and all of the other named insureds under the joint fidelity bond,
which agreement provides that in the event recovery is received under the bond as a result of a loss sustained by one or more named
insureds, each of SCB Fund and Bernstein Fund shall receive an equitable and proportionate share of the recovery, but at least
equal to the amount which such Fund would have received had it maintained a single insured bond with the minimum coverage required
by paragraph (d)(1) of Rule 17g-1 promulgated under the 1940 Act; and</P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">FURTHER
RESOLVED, that the respective Secretary and Assistant Secretary of SCB Fund and Bernstein Fund be, and each of them hereby is,
designated to make all filings with the Securities and Exchange Commission and to give all notices on behalf of each Fund required
by paragraph (g) of Rule 17g 1 promulgated under the 1940 Act.</P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: right">Exhibit C-3</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: right">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: right">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">CERTIFICATE OF ASSISTANT SECRETARY</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><BR>
AB MULTI-MANAGER ALTERNATIVE FUND</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><BR>
Regarding Fidelity Bond</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/200% Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The undersigned, being the duly elected
and qualified Assistant Secretary of AB Multi-Manager Alternative Fund (a Delaware statutory trust), hereby certifies that the
attached hereto is a true and complete copy of the resolutions that were approved by the Board of Trustees of the Trust by written
consent on May 14<SUP>th</SUP>, 2020 and that said resolutions have not been revoked or amended and are now in full force and effect.</P>

<P STYLE="font: 10pt/200% Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/200% Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">IN WITNESS WHEREOF, the undersigned has
executed this Certificate of Secretary of the above-referenced Trust this 21<SUP>st</SUP> day of May, 2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 65%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 35%; text-align: center">/s/ Nancy E. Hay</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">Nancy E. Hay</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">Assistant Secretary</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
</TABLE>


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">RESOLVED, that the
Board of Trustees hereby determines that participation by AB Multi-Manager Alterative Fund (&ldquo;MMA Fund&rdquo;) in a joint
fidelity bond underwritten by National Union Fire Insurance Company, U.S. Specialty Insurance Company, Berkley Regional Insurance
Company and Crum &amp; Forster Insurance Company, covering officers and employees of the Funds (and employees of service providers
to the Funds if and to the extent such persons are included in the definition of &ldquo;Employee&rdquo; in the joint fidelity bond)
in accordance with the requirements of Rule 17g-1 promulgated by the Securities and Exchange Commission under Section 17(g) of
the Investment Company Act of 1940, as amended (the &ldquo;1940 Act&rdquo;), in the amount of $1,250,000 for MMA Fund is reasonable
in form and amount, after having given due consideration to the value of the aggregate assets of MMA Fund to which any such covered
person may have access, the type and terms of the arrangements made for the custody and safekeeping of such assets and the nature
of the securities in the Funds&rsquo; portfolios; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">FURTHER RESOLVED,
that the Board of Trustees, including a majority of the Independent Trustees, hereby approves, ratifies and authorizes the payment
by the Treasurer of MMA Fund of an amount equal to approximately $4,100 representing MMA Fund&rsquo;s portion of the 2020 annual
premium on such joint insured fidelity bond allocable to MMA Fund based on its coverage under such bond after giving due consideration
to all relevant factors, including the number of other parties named as insured, the nature of the business activities of such
other parties, the $67,150,000 aggregate amount of coverage under the joint insured bond, the aggregate 2020 annual cost of such
bond of approximately $220,600, the ratable allocation of the cost among all parties named as insured and the extent to which the
share of the cost allocated to MMA Fund is less than the cost MMA Fund would have to pay if it maintained a single insured bond
with an aggregate limit equal to that of the joint bond; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">FURTHER RESOLVED,
that the Board of Trustees, including a majority of the Independent Trustees, hereby confirms, ratifies and approves in all respects
the execution by the appropriate officers of MMA Fund of an agreement among MMA Fund, SCB Fund, Bernstein Fund and all of the other
named insureds under the joint fidelity bond, which agreement provides that in the event recovery is received under the bond as
a result of a loss sustained by one or more named insureds, MMA Fund shall receive an equitable and proportionate share of the
recovery, but at least equal to the amount which MMA Fund would have received had it maintained a single insured bond with the
minimum coverage required by paragraph (d)(1) of Rule 17g-1 promulgated under the 1940 Act; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">FURTHER RESOLVED,
that the respective Secretary and Assistant Secretary of MMA Fund be, and each of them hereby is, designated to make all filings
with the Securities and Exchange Commission and to give all notices on behalf of each Fund required by paragraph (g) of Rule 17g
1 promulgated under the 1940 Act.</P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-bottom: 12pt; margin-right: 0.05in; margin-left: 0; text-indent: 0.45in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0.05in 138.1pt 0; text-indent: 0.45in">&nbsp;</P>



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<DOCUMENT>
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<TEXT>
begin 644 image_038.jpg
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<DOCUMENT>
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begin 644 image_040.jpg
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<DOCUMENT>
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#?__9

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
