<SEC-DOCUMENT>0000919574-23-003825.txt : 20230622
<SEC-HEADER>0000919574-23-003825.hdr.sgml : 20230622
<ACCEPTANCE-DATETIME>20230622163135
ACCESSION NUMBER:		0000919574-23-003825
CONFORMED SUBMISSION TYPE:	40-17G
PUBLIC DOCUMENT COUNT:		12
FILED AS OF DATE:		20230622
DATE AS OF CHANGE:		20230622
EFFECTIVENESS DATE:		20230622

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AB Active ETFs, Inc.
		CENTRAL INDEX KEY:			0001496608
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			0531

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-23799
		FILM NUMBER:		231033735

	BUSINESS ADDRESS:	
		STREET 1:		C/O ALLIANCEBERNSTEIN L.P.
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		212-969-1000

	MAIL ADDRESS:	
		STREET 1:		C/O ALLIANCEBERNSTEIN L.P.
		STREET 2:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	AllianceBernstein Active ETFs, Inc.
		DATE OF NAME CHANGE:	20100714

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:		231033739

	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

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:		231033746

	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:		231033753

	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 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:		231033733

	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:		231033745

	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:		231033748

	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:		231033736

	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:		231033742

	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:		231033738

	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:		231033756

	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:		231033755

	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:		231033750

	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 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:		231033747

	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:			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:		231033741

	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:		231033757

	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:		231033752

	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 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:		231033744

	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 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:		231033754

	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:			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:		231033751

	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 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:		231033732

	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:		231033743

	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:		231033740

	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:		231033737

	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:		231033731

	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:		231033749

	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:			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:		231033734

	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 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:		231033730

	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
</SEC-HEADER>
<DOCUMENT>
<TYPE>40-17G
<SEQUENCE>1
<FILENAME>d10641744_40-17g.htm
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<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">501 Commerce Street</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">Nashville, Tennessee 37203</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">615-622-0000&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="font: 12pt Times New Roman, Times, Serif; width: 50%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 50%; padding-right: 5.4pt; padding-left: 5.4pt">June 22, 2023</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>

<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: 11%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 12%; padding-right: 5.4pt; padding-left: 5.4pt">Re:</TD>
    <TD STYLE="width: 77%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Filing Pursuant to Rule 17g-1 under the Investment Company</P>
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Act of 1940 with Respect to Registered Investment</P>
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"><U>Companies Managed by AllianceBernstein L.P.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></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">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, 2023 to May 15, 2024, 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 and C-2).</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%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 50%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 50%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Sincerely,</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"><U>/s/ David Lesser&#9;</U></P>
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">David Lesser</P>
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Senior 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;&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>


<!-- Field: Page; Sequence: 1 -->
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    <DIV STYLE="break-before: page; 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 ACTIVE ETFs, INC.&#9;</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">811-23799</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 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 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>

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<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B>POLICYHOLDER NOTICE</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 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 <U>www.aig.com/producer-compensation
</U>or by calling 1-800-706-3102.</P>

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<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">91222 (9/16)</P>


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<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><IMG SRC="image_094.jpg" ALT="" STYLE="height: 48px; width: 89px"></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B>National Union Fire Insurance Company
of Pittsburgh, Pa.</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">A capital stock company</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-right: 0.5pt; padding-left: 5.4pt">POLICY NUMBER: 06-520-77-93</TD>
    <TD COLSPAN="2" STYLE="padding-right: 0.5pt; padding-left: 5.4pt">REPLACEMENT OF POLICY NUMBER: 08-832-61-13</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="4" STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center"><B>INVESTMENT COMPANY BLANKET BOND</B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="4" STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">(A Stock Insurance Company, Herein Called the Underwriter)</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt"><B>DECLARATIONS</B></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt"><B>Item 1.</B></TD>
    <TD COLSPAN="2" STYLE="padding-right: 0.5pt; padding-left: 5.4pt">Name of Insured (herein called Insured):</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">AllianceBernstein Complex of</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">Registered Investment Companies</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 0.5pt; padding-left: 5.4pt">Principal Address:</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">501 COMMERCE STREET </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">NASHVILLE, TN 37204</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt"><B>Item 2.</B></TD>
    <TD COLSPAN="3" STYLE="padding-right: 0.5pt; padding-left: 5.4pt">Bond Period: from <B>12:01a.m. </B>05/15/2023 <B>to 12:01a.m. </B>05/15/2024</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-right: 0.5pt; padding-left: 5.4pt">the effective 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; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt"><B>Item 3.</B></TD>
    <TD COLSPAN="3" STYLE="padding-right: 0.5pt; padding-left: 5.4pt">Limit of Liability--Subject to Sections 9, 10 and 12 hereof,</TD></TR>
  <TR>
    <TD STYLE="width: 13%">&nbsp;</TD>
    <TD STYLE="width: 35%">&nbsp;</TD>
    <TD STYLE="width: 18%">&nbsp;</TD>
    <TD STYLE="width: 34%">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="padding-right: 0.5pt; padding-left: 5.4pt">Amount applicable to</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 24%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">Limit of Liability</TD>
    <TD STYLE="width: 26%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">Deductible</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">Insuring Agreement (A)-FIDELITY</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">$47,900,000</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">$100,000</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">Insuring Agreement (B)-AUDIT EXPENSE</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">$50,000</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">$10,000</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">Insuring Agreement (C)-ON PREMISES</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">$47,900,000</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">$100,000</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">Insuring Agreement (D)-IN TRANSIT</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">$47,900,000</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">$100,000</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">Insuring Agreement (E)-FORGERY OR ALTERATION</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">$47,900,000</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">$100,000</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">Insuring Agreement (F)-SECURITIES</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">$47,900,000</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">$100,000</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">Insuring Agreement (G)-COUNTERFEIT CURRENCY</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">$47,900,000</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">$100,000</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">Insuring Agreement (H)-STOP PAYMENT</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">$25,000</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">$5,000</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">Insuring Agreement (I)-UNCOLLECTIBLE ITEMS OF DEPOSIT</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">$25,000</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">$5,000</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt"><B><I>Optional Insuring Agreements:</I></B></TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">Insuring Agreement (J)-COMPUTER SYSTEMS FRAUD</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">$47,900,000</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">$100,000</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">Insuring Agreement (K)-UNAUTHORIZED SIGNATURES</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">$47,900,000</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">$100,000</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">Insuring Agreement (L)-AUTOMATED PHONE SYSTEMS</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">$47,900,000</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">$100,000</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">41205 (04/95)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">1</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>


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<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 13%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 87%; padding-right: 0.5pt; padding-left: 5.4pt">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 STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt"><B>Item 4. </B></TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">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 STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt"><B>Item 5. </B></TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">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</B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt"><B>Item 6. </B></TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">The Insured by the acceptance of this bond gives to the Underwriter terminating or cancelling prior bond(s) or policy(ies) No.(s) 08-832-61-13 such termination or cancellation to be effective as of the time this bond becomes effective.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt"><B>Item 7. </B></TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt"><B>PREMIUM: $51,230 part of $163,595</B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  </TABLE>
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<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">41205 (04/95)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">2</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  </TABLE>
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<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>


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<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>

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<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 36%; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center"><IMG SRC="image_095.jpg" ALT="" STYLE="height: 78px; width: 106px"></TD>
    <TD STYLE="width: 30%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 34%; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center"><IMG SRC="image_096.jpg" ALT="" STYLE="height: 90px; width: 111px"></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">PRESIDENT</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">SECRETARY</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">National Union Fire Insurance Company of Pittsburgh, Pa.</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">National Union Fire Insurance Company of Pittsburgh, Pa.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center"><IMG SRC="image_097.jpg" ALT="" STYLE="height: 89px; width: 113px"></TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center"><B>AUTHORIZED REPRESENTATIVE</B></TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 36%; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 3%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 29%; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 2%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 30%; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center"><B>COUNTERSIGNED AT</B></TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center"><B>DATE</B></TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center"><B>COUNTERSIGNATURE</B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">AON RISK SERVICES NORTHEAST INC</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">ONE LIBERTY PLAZA 165 BROADWAY</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">NEW YORK, NY 10006</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">7291382</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">41205 (04/95)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">3</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>


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<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><IMG SRC="image_098.jpg" ALT="" STYLE="height: 35px; width: 68px"></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B>National Union Fire Insurance Company
of Pittsburgh, Pa. &reg;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 52%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">A capital stock company</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 12pt 0; text-align: center"><B>INVESTMENT COMPANY BLANKET BOND</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 12pt 0">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 Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 12pt 0; text-align: center"><B>INSURING AGREEMENTS</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.25pt">(A)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.7pt">FIDELITY</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 12pt 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 12pt 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 Calibri, Helvetica, Sans-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: 0.7pt">to cause the Insured to sustain such loss; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-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: 0.7pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.25pt">(B)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.7pt">AUDIT EXPENSE</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 12pt 0; 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" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.25pt">(C)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.7pt">ON PREMISES</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 12pt 0; text-align: center">Offices and Equipment</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.3pt">(1)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.7pt">Loss of or damage to, furnishings, fixtures, stationery, supplies or equipment,
within any of the Insured'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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.3pt">(2)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.7pt">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 Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 12pt 0; text-align: left"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">41206 (9/84)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">1</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&copy;American International Group</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: justify">&nbsp;</P>


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<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.25pt">(D)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.7pt">IN TRANSIT</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 12pt 0; 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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.25pt">(E)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.7pt">FORGERY OR ALTERATION</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 12pt 0; 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 12pt 0; 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 12pt 0; 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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.25pt">(F)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.7pt">SECURITIES</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 12pt 0; 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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.3pt">(1)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.7pt">through the Insured'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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT>(a)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.7pt">counterfeited, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT>(b)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.7pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT>(c)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.7pt">raised or otherwise altered, or lost, or stolen, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.3pt">(2)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.7pt">through the Insured's having, in good faith and in the course of business,</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 12pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">41206 (9/84)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">2</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&copy;American International Group</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 12pt 0; text-align: justify">&nbsp;</P>


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<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 12pt 1in; text-align: justify">The word &quot;counterfeited&quot;
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 Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.25pt">(G)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.7pt">COUNTERFEIT CURRENCY</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.25pt">(H)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.7pt">STOP PAYMENT</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 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.<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 12pt">
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify; padding-right: 0.7pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top"><TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.25pt">(I)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.7pt">UNCOLLECTIBLE
ITEMS OF DEPOSIT</TD></TR>
</TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">Loss resulting from payments of dividends
or fund shares, or withdrawals permitted from any customer's, shareholder's or subscriber's accoun<FONT STYLE="font-family: calibri">t
based upon Un</FONT>collectible Items of Deposit of a customer, shareholder or subscriber credited by the Insured or the Insured's agent
to such customer's, shareholder's or subscriber's Mutual Fund Account; or</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">This Insuring Agreement applies to all
Mutual Funds with &quot;exchange privileges&quot; 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>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">41206 (9/84)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">3</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&copy;American International Group</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>


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<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: center"><B>GENERAL AGREEMENTS</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: calibri; letter-spacing: -0.25pt">A.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">ADDITIONAL OFFICES OR EMPLOYEES- CONSOLIDATION OR MERGER- NOTICE</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri; letter-spacing: -0.3pt">1.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri; letter-spacing: -0.3pt">2.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri; letter-spacing: -0.25pt">B.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">WARRANTY</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri; letter-spacing: -0.25pt">C.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">COURT COSTS AND ATTORNEYS' FEES</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">The Underwriter will indemnify the Insured
against court costs and reasonable attorneys' 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'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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri; letter-spacing: -0.3pt">(1)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Univers ATT,sans-serif; letter-spacing: -0.3pt">(</FONT><FONT STYLE="font-family: Calibri; letter-spacing: -0.3pt">2)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri; letter-spacing: -0.3pt">(3)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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's election the Insured shall permit the Underwriter to conduct the defense of such suit or
legal proceeding, in the Insured's name, through attorneys of the Underwriter'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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">If the amount of the Insured'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' 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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri; letter-spacing: -0.25pt">D.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">FORMER EMPLOYEE</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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'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>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">41206 (9/84)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">4</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&copy;American International Group</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>


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<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: center"><B>THE FOREGOING INSURING AGREEMENTS
AND<BR>
GENERAL AGREEMENTS ARE SUBJECT TO<BR>
THE FOLLOWING CONDITIONS AND<BR>
LIMITATIONS:</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">SECTION 1. DEFINITIONS</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(a)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">&quot;Employee&quot; means:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri; letter-spacing: -0.3pt">(1)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">any of the Insured's officers, partners, or employees, and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri; letter-spacing: -0.3pt">(2)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri; letter-spacing: -0.3pt">(3)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri; letter-spacing: -0.3pt">(4)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">guest students pursuing their studies or duties in any of the Insured's offices,
and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri; letter-spacing: -0.3pt">(5)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri; letter-spacing: -0.3pt">(6)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Univers ATT,sans-serif; letter-spacing: -0.3pt">(</FONT><FONT STYLE="font-family: Calibri; letter-spacing: -0.3pt">7)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri; letter-spacing: -0.3pt">(8)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri; letter-spacing: -0.3pt">(9)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">any officer, partner or Employee of</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">a)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">an investment advisor,</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">b)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">an underwriter (distributor),</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">c)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">a transfer agent or shareholder accounting record- keeper, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">d)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">an administrator authorized by written agreement to keep financial and/ or other
required records,</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 1.5in; text-align: justify">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.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 1.5in; 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">41206 (9/84)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">5</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&copy;American International Group</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>


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<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 1in; 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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(b)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">&quot;Property&quot; 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's declared financial condition at the time of the Insured'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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(c)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">&quot;Forgery&quot; means the signing of the name of another with intent to deceive;
it does not include the signing of one'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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(d)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">&quot;Larceny and Embezzlement&quot; 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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(e)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">&quot;Items of Deposit&quot; means any one or more checks and drafts. Items of Deposit
shall not be deemed uncollectible until the Insured's collection procedures have failed.</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">SECTION 2. EXCLUSIONS</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">THIS BOND DOES NOT COVER:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(a)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(b)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(c)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(d)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(e)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">41206 (9/84)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">6</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&copy;American International Group</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>


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<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 1in; text-align: justify">loss is covered under Insuring Agreement
(A), (E) or (F).</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(f)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri; letter-spacing: -0.3pt">(1)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri; letter-spacing: -0.3pt">(2)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 <FONT STYLE="font-family: Univers ATT,sans-serif; letter-spacing: -0.25pt">(A)
</FONT>or (E).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(g)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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'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's service, and
then this bond shall cover only such excess.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(h)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">potential 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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(i)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(j)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri; letter-spacing: -0.3pt">(1)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri; letter-spacing: -0.3pt">(2)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(k)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Univers ATT,sans-serif">(l)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(m)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">SECTION 3. ASSIGNMENT OF RIGHTS</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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'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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">SECTION 4. LOSS- NOTICE- PROOF- LEGAL
PROCEEDINGS</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">41206 (9/84)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">7</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&copy;American International Group</TD></TR>
  </TABLE>
<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>


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<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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'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 affirm ative 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' 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0.5in; text-align: justify">Discovery occurs when the Insured</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(a)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">becomes aware of facts, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(b)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">SECTION 5. VALUATION OF PROPERTY</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">SECTION 6. VALUATION OF PREMISES AND
FURNISHINGS</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">SECTION 7. LOST SECURITIES</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">41206 (9/84)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">8</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&copy;American International Group</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>


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<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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's rights, title and
interests in and to said securities.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">SECTION 8. SALVAGE</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">SECTION 9. NON- REDUCTION AND NON- ACCUMULATION
OF LIABILITY AND TOTAL LIABILITY</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(a)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(b)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(c)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(d)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(e)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">41206 (9/84)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">9</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&copy;American International Group</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>


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<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">from period to period.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">SECTION 10. LIMIT OF LIABILITY</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">SECTION 11. OTHER INSURANCE</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">SECTION 12. DEDUCTIBLE</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">SECTION 13. TERMINATION</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0.5in; text-align: justify">This Bond shall terminate</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(a)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">41206 (9/84)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">10</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&copy;American International Group</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>


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<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 1in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 1in; text-align: justify">Section 16[d]), or</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Univers ATT,sans-serif">(</FONT><FONT STYLE="font-family: Calibri">b)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(c)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">SECTION 14. RIGHTS AFTER TERMINATION
OR CANCELLATION</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(a)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(b)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">upon takeover of the Insured'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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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's business for the operation or for the liquidation thereof or for any other purpose.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">SECTION 15. CENTRAL HANDLING OF SECURITIES</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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'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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">The words &quot;Employee&quot; and
&quot;Employees&quot; 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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's share
of such excess loss(es), but in no event for more than the Limit of Liability applicable hereunder.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">41206 (9/84)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">11</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&copy;American International Group</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

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<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">For the purpose of determining the Insured'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's share of such excess loss(es) shall be the
amount of the Insured's interest in such Property in excess of the amount(s) so apportioned to the Insured by such Corporations.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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'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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">SECTION 16. ADDITIONAL COMPANIES INCLUDED
AS INSURED</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(a)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(b)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(c)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(d)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(e)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">SECTION 17. NOTICE AND CHANGE OF CONTROL</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">Upon the Insured'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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(a)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(b)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Calibri">(c)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">the total number of outstanding voting securities.</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">Failure to give the required notice
shall result in termination of coverage of this bond,</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">41206 (9/84)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">12</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&copy;American International Group</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>


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<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">effective upon the date of stock transfer
for any loss in which any transferee is concerned or implicated.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">SECTION 18. CHANGE OR MODIFICATION</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; 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'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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">IN WITNESS WHEREOF, the Underwriter has caused this bond to
be executed on the Declarations Page.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">41206 (9/84)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">13</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&copy;American International Group</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 1</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a
part of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B>NEW YORK STATUTORY RIDER</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 12pt 0">It is agreed that:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">1.</FONT></TD><TD STYLE="padding-right: 0.7pt">Part (a) of the Section entitled &quot;Termination or Cancelation&quot; of this bond/policy is deleted.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">2.</FONT></TD><TD STYLE="padding-right: 0.7pt">Cancel ation of this bond/policy by the Underwriter/Company is subject to the following provisions:</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 12pt 0.5in">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 cancel ation 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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(A)</FONT></TD><TD STYLE="padding-right: 0.7pt">non-payment of premium;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(B)</FONT></TD><TD STYLE="padding-right: 0.7pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(C)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.7pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(D)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.7pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(E)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.7pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(F)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.7pt">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's solvency or be hazardous to the interests of
the insureds, the insurer's creditors or the public;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(G)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.7pt">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>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 12pt 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.7pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 001</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>&nbsp;</I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">SR 6180b (12/93)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">1</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>&nbsp;</I></B></P>


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<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 1 (Continued)</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a
part of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(H)</FONT></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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(i)</FONT></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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(ii)</FONT></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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">3.</FONT></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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">4.</FONT></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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">5.</FONT></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's/Company's exact intention. The Underwriter shall inform the insured that,
in the meantime, 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.</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0 12pt">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0 12pt">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 001</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">SR 6180b (12/93)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">2</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 1 (Continued)</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a
part of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">FOR USE WITH FINANCIAL INSTITUTION BONDS,</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">STANDARD FORMS NOS. 14, 15, 24, AND</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">25 AND EXCESS BANK EMPLOYEE DISHONESTY BONDS,</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">STANDARD FORM NO. 28, AND COMPUTER CRIME</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">POLICY FOR FINANCIAL INSTITUTIONS TO COMPLY</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">WITH STATUTORY REQUIREMENTS.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 59%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 41%; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt"><IMG SRC="image_099.jpg" ALT="" STYLE="height: 36px; width: 156px"></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">AUTHORIZED REPRESENTATIVE</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 001</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">SR 6180b (12/93)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">3</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>


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    <DIV STYLE="break-before: page; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 2</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a part
of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B>ADDITIONAL NAMED INSURED RIDER</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">In consideration of the premium charged, it is hereby understood
and agreed that:</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">1.</FONT></TD><TD STYLE="padding-right: 0.5pt">In Item 1 of the Declarations page, the section entitled &quot;Name of Insured (herein called Insured),&quot;
is amended to include the following at the end thereof:</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AllianceBernstein Global High Income Fund, Inc.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AllianceBernstein National Municipal Income Fund, Inc.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AB Multi-Manager Alternative Fund</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AB Active ETFs, Inc.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB Disruptors ETF</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB US High Dividend ETF</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB High Yield ETF</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB US Low Volatility ETF</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB Ultra Short Income ETF</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB Tax-Aware Short Duration Municipal ETF</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AB Bond Fund, Inc.:</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AB Bond Inflation Strategy</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AB Limited Duration High Income Portfolio, AB Municipal
Bond Inflation Strategy, AB Tax-Aware Fixed Income Opportunities Portfolio, AB Total Return Bond Portfolio, AB All Market Real Return
Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AB Income Fund</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AB Short Duration Income Portfolio, AB Sustainable Thematic
Credit Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AB High Income Fund, Inc.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AB Fixed-Income Shares, Inc.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AB Government Money Market Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AB Corporate Shares, AB Corporate Income Shares, AB Municipal
Income Shares, AB Tax-Aware Real Return Income Shares</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AB Taxable Multi-Sector Income Shares, AB Impact Municipal
Income Shares</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AB Global Bond Fund, Inc.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 002</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">127423 (11/17)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">1</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>


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<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 2 (Continued)</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a part
of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AB Municipal Income Fund, Inc.:</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-California Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-National Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-New York Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-High Income Municipal Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AB Municipal Income Fund II:</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-Arizona Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-Massachusetts Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-Minnesota Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-New Jersey Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-Ohio Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-Pennsylvania Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-Virginia Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AB Global Risk Allocation Fund, Inc.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AB Cap Fund, Inc.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB Small Cap Growth Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB Emerging Market Multi-Asset Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB Select US Equity</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB Select US Long/Short Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB Concentrated Growth Fund</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB Global Core Equity Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB Sustainable US Thematic Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB Small Cap Value Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB International Strategic Core Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB Concentrated International Growth Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB All China Equity Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AB Core Opportunities Fund, Inc.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AB Sustainable Global Thematic Fund, Inc.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AB Relative Value Fund, Inc.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AB Institutional Funds, Inc.:</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB Global Real Estate Investment Fund II</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AB Sustainable International Thematic Fund, Inc., AB Large
Cap Growth Fund, Inc.,</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AB Discovery Growth Fund, Inc.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AB Global Real Estate Investment Fund, Inc.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AB Trust</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 002</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">127423 (11/17)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">2</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 2 (Continued)</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a part
of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB International Value Fund</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB Discovery Value Fund</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB Value Fund</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AB Equity Income Fund, Inc.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">The AB Portfolios:</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB Growth Fund</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB Wealth Appreciation Strategy</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB Tax-Managed Wealth Appreciation Strategy</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB All Market Total Return Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB Sustainable Thematic Balanced Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">Sanford C. Bernstein Fund, Inc.:</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-California Municipal Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-Diversified Municipal Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-New York Municipal Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-Short Duration Plus Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-Intermediate Duration Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-Short Duration Diversified Municipal Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-Emerging Markets Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-Overlay A Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-Overlay B Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-Tax-Aware Overlay A Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-Tax-Aware Overlay B Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-Tax-Aware Overlay C Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-Tax-Aware Overlay N Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">Sanford C. Bernstein Fund II, Inc.:</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-Bernstein Intermediate Duration Institutional Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">AB Variable Products Series Fund, Inc.:</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB Balanced Hedged Allocation Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB Dynamic Asset Allocation Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB Sustainable Global Thematic Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB Relative Value Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB Sustainable International Thematic Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB International Value Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 002</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">127423 (11/17)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">3</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>


<!-- Field: Page; Sequence: 26 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 2 (Continued)</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a part
of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB Large Cap Growth Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB Small Cap Growth Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB Discovery Value Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-AB Global Risk Allocation &ndash; Moderate Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">Bernstein Fund, Inc:</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-International Strategic Equities Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-International Small Cap Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">-Small Cap Core Portfolio</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-indent: 0.5in">and any other fund(s) now existing in the
AllianceBernstein Complex of Registered Investment Companies mutual fund program;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">2.</FONT></TD><TD STYLE="padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 59%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 41%; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt"><IMG SRC="image_100.jpg" ALT="" STYLE="height: 36px; width: 156px"></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">AUTHORIZED REPRESENTATIVE</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 002</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">127423 (11/17)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">4</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 3</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B>AMENDED INSURING AGREEMENT (A) FIDELITY</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">In consideration of the premium charged, it is hereby understood
and agreed that:</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">1.</FONT></TD><TD STYLE="padding-right: 0.5pt">Insuring Agreement (A) FIDELITY is hereby deleted in its entirety and replaced with the following:</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>FIDELITY</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.75in; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.75in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.75in; text-align: justify">Such dishonest or fraudulent acts
must be committed by the Employee with the manifest intent:</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.75in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 27pt"><FONT STYLE="letter-spacing: -0.3pt">(a)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">to cause the Insured to sustain such loss; or</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 81pt; text-align: justify; text-indent: -27pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 27pt"><FONT STYLE="letter-spacing: -0.3pt">(b)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.75in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.75in; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.75in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.75in; text-align: justify">The term &quot;Loans&quot; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.75in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.75in; text-align: justify">The term &quot;Trading&quot; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.75in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.75in; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 003</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">132765 (05/19)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">1</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt"><B>&nbsp;</B></P>


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<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 3</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">2.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 59%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 41%; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt"><IMG SRC="image_101.jpg" ALT="" STYLE="height: 36px; width: 156px"></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">AUTHORIZED REPRESENTATIVE</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 003</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">132765 (05/19)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">2</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 4</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a part
of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="text-align: center; font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><B>AMENDED INSURING AGREEMENT (G) COUNTERFEIT CURRENCY</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">It is agreed that:</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.35pt">1.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">Insuring Agreement (G), COUNTERFEIT CURRENCY, is amended so that coverage applies
to any counterfeited money orders or altered paper currencies or coin ofany country.</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.35pt">2.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 59%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 41%; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt"><IMG SRC="image_100.jpg" ALT="" STYLE="height: 36px; width: 156px"></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">AUTHORIZED REPRESENTATIVE</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 004</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">132764 (05/19)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">1</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt"><B>&nbsp;</B></P>


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<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 5</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a part
of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B>COMPUTER CRIME COVERAGE RIDER </B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B>(ICBB VERSION)</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: justify">In consideration of the premium charged,
it is hereby understood and agreed that bond is hereby amended as follows:</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">1.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">2.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-right: 0.5pt; padding-bottom: 6pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt; text-align: center"><U>Limit of Liability</U></TD>
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt; text-align: center"><U>Deductible</U></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt; width: 7%">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt; width: 48%">(CC-1) Computer Systems Fraud</TD>
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt; text-align: center; width: 21%">$47,900,000</TD>
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt; text-align: center; width: 24%">$100,000</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt">(CC-2) Data Processing Service Operations</TD>
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt; text-align: center">NIL</TD>
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt; text-align: center">NIL</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt">(CC-3) Voice Initiated Transfer Fraud</TD>
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt; text-align: center">NIL</TD>
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt; text-align: center">NIL</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt">(CC-4) Telefacsimile Transfer Fraud</TD>
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt; text-align: center">$47,900,000</TD>
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt; text-align: center">$100,000</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt">(CC-5) Destruction of Data or Programs by Hacker</TD>
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt; text-align: center">NIL</TD>
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt; text-align: center">NIL</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt">(CC-6) Destruction of Data or Programs by Virus</TD>
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt; text-align: center">NIL</TD>
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt; text-align: center">NIL</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt">(CC-7) Voice Computer Systems Fraud</TD>
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt; text-align: center">NIL</TD>
    <TD STYLE="padding-right: 0.5pt; padding-bottom: 6pt; text-align: center">NIL</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">3.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">The Declarations page is hereby amended by adding the following after <B>Item 6
</B>thereof:</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in"><B>Item 7.</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in"><B>Voice Initiated Transfer Fraud</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in; text-align: justify">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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in"><B>Telefacsimile Transfer Fraud</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 005</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">140342 (03/21)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">1</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 5 (Continued)</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a part
of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in; 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>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: justify"><FONT STYLE="letter-spacing: -0.05pt">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The
Insuring Agreements are hereby amended by adding the following Insuring Agreements to the Bond:</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B>COMPUTER SYSTEMS FRAUD</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.75in">(CC-1)</TD><TD STYLE="text-align: justify"> Loss resulting directly from a fraudulent:</TD></TR>
</TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(1)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">entry
of Electronic Data or Computer Program into, or</TD></TR>
</TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 12pt">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(2)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(i)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">Property to be transferred, paid or delivered,</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(ii)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(iii)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">an unauthorized account or a fictitious account to be debited or credited.</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 1in; 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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(a)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(b)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: center"><B>DATA PROCESSING SERVICE OPERATIONS</B><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 12pt">
<TR STYLE="vertical-align: top"><TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.75in">(CC-2)</TD><TD STYLE="text-align: justify"> Loss sustained by a Client of the Insured resulting
directly from a fraudulent:</TD></TR>
</TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(1)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">entry of Electronic Data or a Computer Program into, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(2)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 005</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">140342 (03/21)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">2</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 5 (Continued)</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a part
of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(3)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="letter-spacing: -0.05pt">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:</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-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; padding-right: 0.5pt">Property to be transferred, paid or delivered,</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-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; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(iii)</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">an unauthorized account or a fictitious account to be debited or credited,</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 1.5in">and for which loss the Insured is legally liable to the
Client as a provider of data processing services for such Client.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 1in">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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(a)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="letter-spacing: -0.05pt">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</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(b)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="letter-spacing: -0.05pt">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.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 1in"><FONT STYLE="letter-spacing: -0.05pt">In this Insuring
Agreement, Client means an entity for which the Insured serves as data processor under the terms of a written agreement.</FONT></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: center"><B>VOICE INITIATED TRANSFER FRAUD</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></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's account
through a Computer System covered under the terms of the <B>COMPUTER SYSTEMS FRAUD </B>Insuring Agreement in reliance upon a fraudulent
voice instruction transmitted by telephone which was purported to be from:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(1)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="letter-spacing: -0.05pt">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,</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(2)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="letter-spacing: -0.05pt">an individual person who is a Customer of
the Insured, or</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 005</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">140342 (03/21)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">3</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 5 (Continued)</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a part
of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(3)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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,</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 1in; text-align: justify">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:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-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; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-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; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 1in; 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.<B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: center"><B>TELEFACSIMILE TRANSFER FRAUD</B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></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>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 1.25in; text-indent: -0.75in"></P>


<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(1)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">purports and reasonably appears to have originated from:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-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; padding-right: 0.5pt">a Customer of the Insured,</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-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; padding-right: 0.5pt">another financial institution, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-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; padding-right: 0.5pt">another office of the Insured</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 1.5in; text-align: justify">but, in fact, was not originated
by the Customer or entity whose identification it bears, and</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(2)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(3)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">contains the name of a person authorized to initiate such transfer;</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 005</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">140342 (03/21)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">4</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 5 (Continued)</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a part
of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0.5in; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0.5in; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: center"><B>DESTRUCTION OF DATA OR PROGRAMS BY
HACKER</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 1.25in; text-indent: -0.75in"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0 0 1.25in; text-align: justify"><B>Special Condition:</B> Under this
Insuring Agreement, a single &quot;Loss&quot; 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 &quot;Loss.&quot;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 60pt; text-align: justify"></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: center"><B>DESTRUCTION OF DATA OR PROGRAMS BY
VIRUS</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.75in">(CC-6)</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 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0 0 1.25in; text-align: justify; text-indent: -0.75in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0 0 1.25in; text-align: justify"><B>Special Condition: </B>Under this Insuring
Agreement, a single &quot;Loss&quot; 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</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 1.25in; text-indent: -0.75in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 005</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">140342 (03/21)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">5</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 5 (Continued)</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a part
of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in; text-align: justify">damage after the Computer Program(s)
or Electronic Data is/are restored or repaired shall constitute a separate single &quot;Loss.&quot;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: center"><B>VOICE COMPUTER SYSTEM FRAUD</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></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'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>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: center"><B></B></P>


<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">(1)</TD>
                                                            <TD STYLE="text-align: justify; padding-right: 0.5pt">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" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="letter-spacing: -0.05pt">(2) </FONT></TD>
                                                            <TD STYLE="text-align: justify; padding-right: 0.5pt"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="letter-spacing: -0.05pt">failure to have a call-disconnect feature in operation to automatically terminate a caller's access to the Voice Computer System after not more than three unsuccessful attempts to input an Account Code.</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">&nbsp;</TD>
                                                            <TD STYLE="text-align: justify; padding-right: 0.5pt"><B>Special Condition: </B>Under
this Insuring Agreement, a single &quot;Loss&quot; 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.</TD></TR>
                                                                                                                       </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">5.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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="margin-top: 0; margin-bottom: 0"></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: center">ADDITIONAL OFFICES OR EMPLOYEES OR COMPUTER
SYSTEMS &ndash;<BR>
CONSOLIDATION, MERGER OR PURCHASE OF ASSETS OR COMPUTER SYSTEMS</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-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: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 1in">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>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 005</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">140342 (03/21)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">6</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 5 (Continued)</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a part
of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(a)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(b)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(c)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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,</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 1in">unless the Insured shall:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(i)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(ii)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(iii)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">upon obtaining such consent, pay to the Underwriter an additional premium.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">6.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">Solely for the coverage provided by this rider, in Section 1. DEFINITIONS of the
CONDITIONS AND LIMITATIONS of this bond, definition (b) &quot;Property&quot; is hereby amended to include Electronic Data and Computer
Programs.</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">7.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(i)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">&quot;Account Code&quot; 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>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 1in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(ii)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">&quot;Computer Program&quot; 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>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(iii)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">&quot;Computer System&quot; means:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-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; padding-right: 0.5pt">computers with related peripheral components, including storage components wherever
located;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-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; padding-right: 0.5pt">systems and applications software;</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 005</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">140342 (03/21)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">7</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 5 (Continued)</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a part
of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-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; padding-right: 0.5pt">terminal devices; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(4)</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">related communication networks, including the internet</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 1in; text-align: justify">by which Electronic Data are electronically
collected, transmitted, processed, stored and retrieved.</P>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I></I></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(iv)</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">&quot;Electronic Data&quot; 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>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(iv)</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">&quot;Funds&quot; means Money on deposit in an account.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(v)</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">&quot;Restoration Costs&quot; means reasonable and necessary costs or expenses incurred
by the Insured with the Insurer'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's prior written consent,
to reach such determination.</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 1in">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: 10pt Calibri, Helvetica, Sans-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; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-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; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(vi)</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">&quot;System Administration&quot; 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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(vii)</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">&quot;System Maintenance&quot; means the performance of hardware and software installation,
diagnostics and corrections and similar activities that are performed in</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 005</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">140342 (03/21)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">8</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 5 (Continued)</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a part
of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 1in; text-align: justify">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.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(viii)</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">&quot;System Password&quot; 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 or any portion thereof for
the purpose of performing System Administration or System Maintenance activities.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(ix)</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">&quot;Telefacsimile Device&quot; 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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(x)</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">&quot;Tested&quot; 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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(xi)</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">&quot;Uncertificated Security&quot; 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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(1)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(2)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">of a type commonly dealt in securities, exchanges or markets; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(3)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(xii)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">&quot;Voice Computer System&quot; 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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">8.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in">THIS BOND DOES NOT COVER:</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(i)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 005</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">140342 (03/21)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">9</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 5 (Continued)</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a part
of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(ii)</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(iii)</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(iv)</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(v)</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(vi)</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">loss resulting directly or indirectly from theft of confidential information;</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(vii)</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(viii)</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(ix)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">loss involving a Voice Computer System, unless covered under the <B>VOICE COMPUTER
SYSTEM FRAUD </B>Insuring Agreement;</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(x)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">loss resulting directly or indirectly from:</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(1)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">written instructions or advices, or</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(2)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">telegraphic or cable instructions or advices;</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 005</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">140342 (03/21)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">10</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 5 (Continued)</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a part
of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 1in; text-align: justify">unless the instructions or advices are
Tested and the loss is covered under the <B>COMPUTER SYSTEMS FRAUD </B>or <B>DATA PROCESSING SERVICE OPERATIONS </B>Insuring Agreements;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(xi)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="letter-spacing: -0.05pt">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;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(xii)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="letter-spacing: -0.05pt">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</B> <B>OPERATIONS</B> Insuring Agreements;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(xiii)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="letter-spacing: -0.05pt">loss resulting directly or indirectly from:</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(a)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="letter-spacing: -0.05pt">mechanical failure, faulty construction, error
in design, latent defect, fire, wear or tear, gradual deterioration, electrical disturbance or electrical surge which affects a Computer
System; or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(b)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="letter-spacing: -0.05pt">failure or breakdown of electronic data processing
media; or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(c)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="letter-spacing: -0.05pt">error or omission in programming or processing;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(xiv)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="letter-spacing: -0.05pt">loss as a result of a threat to Computer System
operations;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(xv)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="letter-spacing: -0.05pt">loss resulting directly or indirectly from
the use of a telephone credit, debit, charge, identification or similar card to gain access to the Insured's Voice Computer System;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(xvi)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="letter-spacing: -0.05pt">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's authentication mechanism.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(xvii)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="letter-spacing: -0.05pt">loss resulting directly or indirectly from
payments made or withdrawals from a depositor's account involving items of deposit which are not finally paid for any reason;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(xviii)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="letter-spacing: -0.05pt">loss of potential income, including but not
limited to interest and dividends;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 005</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">140342 (03/21)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">11</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 5 (Continued)</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a part
of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(xix)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="letter-spacing: -0.05pt">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;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(xx)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="letter-spacing: -0.05pt">any fees, costs and expenses incurred by the
Insured;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(xxi)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="letter-spacing: -0.05pt">indirect or consequential loss of any nature;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(xxii)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="letter-spacing: -0.05pt">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;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(xxiii)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="letter-spacing: -0.05pt">loss due to riot or civil commotion or loss
due to military, naval or usurped power, war or insurrection;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(xxiv)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="letter-spacing: -0.05pt">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;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(xxv)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="letter-spacing: -0.05pt">loss as a result of a threat:</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(1)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="letter-spacing: -0.05pt">to do bodily harm to any person;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(2)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="letter-spacing: -0.05pt">to do damage to the premises or property of
the Insured; or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(3)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="letter-spacing: -0.05pt">to Computer Systems operations.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">9.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0.5in; text-align: justify">It is further understood and agreed
that:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(i)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="letter-spacing: -0.05pt">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</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(ii)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="letter-spacing: -0.05pt">Proof of loss for claim under the Telefacsimile Transfer Fraud Insuring Agreement must include a copy of the document reproduced by the Telefacsimile Device.</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="letter-spacing: -0.05pt">&nbsp;</FONT></P></TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS
REMAIN UNCHANGED.</TD></TR>
                                                                                                                              </TABLE>

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

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 59%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 41%; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt"><IMG SRC="image_100.jpg" ALT="" STYLE="height: 36px; width: 156px"></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">AUTHORIZED REPRESENTATIVE</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 005</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">140342 (03/21)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">12</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 6</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a part
of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B>AUTOMATED PHONE SYSTEMS</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">It is agreed that:</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">1.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">The attached bond is amended by adding an Insuring Agreement (L) as follows:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(L)</FONT></TD><TD STYLE="padding-right: 0.5pt">AUTOMATED PHONE SYSTEMS</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0.5in; text-align: justify; text-indent: 0.5in">Loss caused
by an Automated Phone System (&quot;APS&quot;) 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">a.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">&quot;APS Transaction&quot; means any APS Redemption, APS Exchange or APS Election.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">b.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">&quot;APS Redemption&quot; 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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">c.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">&quot;APS Election&quot; 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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">d.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">&quot;APS Exchange&quot; 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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">e.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">&quot;APS Designated Procedures&quot; means all of the following procedures:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(1)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(2)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">Logging: All APS Transaction requests shall be logged or otherwise recorded, so
as to preserve all of 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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 006</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">132769 (05/19)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">1</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 6 (Continued)</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a part
of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(a)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">Information contained in the records shall be capable of being retrieved through
the following methods:</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 2.75in"><I>Procedures normally used by the Insured</I></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(b)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(3)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">Identity Test: The identity of the caller in any request for an APS Transaction
shall be tested before execution of that APS Transaction by requiring the entry by the caller of a confidential personal identification
number (&quot;PIN&quot;).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(a)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(4)</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 no event later than five business days following such APS Transaction.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(5)</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">Access to APS Equipment: Access to the equipment which permits the entity receiving
the APS Transaction request to process and effect the transaction shall be limited in the following manner:</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 6pt; text-align: center"><I>Procedures normally used
by the Insured</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">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: 10pt Calibri, Helvetica, Sans-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; padding-right: 0.5pt">any loss covered under Insuring Agreement (A), FIDELITY, of this Bond;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-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; padding-right: 0.5pt">any loss resulting from:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-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: 0.5pt">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: 10pt Calibri, Helvetica, Sans-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; padding-right: 0.5pt">the shareholder of record; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-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; padding-right: 0.5pt">a person officially designated to receive redemption proceeds; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-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; padding-right: 0.5pt">a bank account officially designated to receive redemption proceeds; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(2)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(i)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 006</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">132769 (05/19)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">2</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 6 (Continued)</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a part
of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-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; padding-right: 0.5pt">officially designated; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-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; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-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; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(4)</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">the intentional failure to adhere to one or more APS Designated Procedures.</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 59%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 41%; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt"><IMG SRC="image_100.jpg" ALT="" STYLE="height: 36px; width: 156px"></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">AUTHORIZED REPRESENTATIVE</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 006</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">132769 (05/19)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">3</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 7</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a part
of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B>AUTOMATIC COVERAGE RIDER</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">It is agreed that:</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">1.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">2.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">3.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS
REMAIN UNCHANGED.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 59%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 41%; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt"><IMG SRC="image_100.jpg" ALT="" STYLE="height: 36px; width: 156px"></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">AUTHORIZED REPRESENTATIVE</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 007</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">138539 (07/20)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">1</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 8</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a part
of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B>AMEND SECTION 13. TERMINATION</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B>(90 DAYS; POST-DISCOVERY DISHONEST EMPLOYEE
OBLIGATIONS)</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">It is agreed that:</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -1.35pt">1.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0.5in">SECTION 13. TERMINATION</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0.5in; text-align: justify; text-indent: 0.5in">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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0.5in; text-align: justify; text-indent: 0.5in">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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0.5in; text-align: justify; text-indent: 0.5in">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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0.5in; text-align: justify; text-indent: 0.5in">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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0.5in; text-align: justify; text-indent: 0.5in">This bond shall
terminate:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">a.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 008</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">132768 (05/19)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">1</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 8 (Continued)</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a part
of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 1.5in; text-align: justify">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 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</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-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; padding-right: 0.5pt">as to any 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: 10pt Calibri, Helvetica, Sans-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 STYLE="text-align: justify; padding-right: 0.5pt">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 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -1.35pt">2.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -1.35pt">3.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 59%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 41%; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt"><IMG SRC="image_100.jpg" ALT="" STYLE="height: 36px; width: 156px"></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">AUTHORIZED REPRESENTATIVE</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 008</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">132768 (05/19)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">2</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 9</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a part
of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>CO-SURETY RIDER </B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>(ICBB VERSION)</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: justify">It is agreed that:</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: justify"><FONT STYLE="letter-spacing: -0.05pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">1.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">The term &quot;Underwriter&quot; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">2.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 be liable for an amount
greater than that underwritten by it, including, but not limited to, in the event of Financial Insolvency (as defined herein) of another
Company.</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">3.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">4.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">In the absence of a request from any of said Companies that notice of claim and
proof of loss be 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">5.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">The Controlling Company may give notice in accordance with the terms of the attached
bond, terminating or canceling the attached bond as an entirety or as to any Employee, and any notice so given shall terminate or cancel
the liability of all of said Companies as an entirety or as to such Employee, as the case may be.</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">6.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 009</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">135445 (02/20)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">1</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 9 (Continued)</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a part
of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">7.</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">In the absence of a request from any of said Companies that notice of termination
or cancellation by the Insured of the attached bond in its entirety be given to or filed directly with it, the giving of such notice in
accordance with the terms of 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>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">8.</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 of 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">9.</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">In the event of termination or cancellation of the attached bond as to any Company,
such Company alone shall be 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">10.</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">As used herein, &quot;Financial Insolvency&quot; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">11.</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">This rider shall become effective as of 12:01 AM on May 15, 2023, standard time
as specified in the bond.</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.75in; text-align: justify">Underwritten for the sum of $15,000,000
Limit of Liability, part of $47,900,000 Limit of Liability</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 60pt; text-align: justify">National Union Fire Insurance Co</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 60pt; text-align: justify">Controlling
Company</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 1in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 1in; text-align: justify">&nbsp;<IMG SRC="image_106.jpg" ALT=""></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"></P>

<P STYLE="margin: 0"><IMG SRC="image_104.jpg" ALT="" STYLE="width: 249px; height: 4px"></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 009</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">135445 (02/20)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">2</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 9 (Continued)</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a part
of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.75in">Underwritten for the sum of $10,000,000 Limit of Liability,
part of $47,900,000 Limit of Liability</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.75in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.75in">Federal Insurance Co</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.75in">By: _______________________</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.75in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.75in">Underwritten for the sum of $10,000,000 Limit of Liability,
part of $47,900,000 Limit of Liability</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.75in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.75in">Berkley Regional Insurance Company</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.75in">By: _______________________</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.75in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.75in">Underwritten for the sum of $12,900,000 Limit of Liability,
part of $47,900,000 Limit of Liability</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.75in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.75in">United States Fire Insurance Company</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.75in">By: _______________________</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">12.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS
REMAIN UNCHANGED.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 59%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 41%; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt"><IMG SRC="image_100.jpg" ALT="" STYLE="height: 36px; width: 156px"></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">AUTHORIZED REPRESENTATIVE</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 009</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">135445 (02/20)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">3</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

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

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 10</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a part
of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B>RELIANCE UPON OTHER CARRIER'S APPLICATION
RIDER</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">It is agreed that:</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">1.</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">2.</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 ICI Mutual Insurance Company as accurate as of April 11, 2012
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.</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 26%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: justify"><B><U>Type of Bond Application</U></B></TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: justify"><B><U>Carrier</U></B></TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: justify"><B><U>Date Signed</U></B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: justify">Alternative Renewal</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: justify">ICI Mutual Insurance</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: justify">03/24/2023</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: justify">Application Carrier</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: justify">Company</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">3.</TD><TD STYLE="text-align: justify; padding-right: 0.5pt">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 Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 59%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 41%; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt"><IMG SRC="image_100.jpg" ALT="" STYLE="height: 36px; width: 156px"></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">AUTHORIZED REPRESENTATIVE</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 010</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">132767 (05/19)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">1</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>


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    <DIV STYLE="break-before: page; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 11</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a part
of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B>AMENDED INSURED RIDER</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; 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 (9) in the definition of Employee;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="letter-spacing: -0.05pt">1.</FONT></TD><TD STYLE="padding-right: 0.5pt">AllianceBernstein L.P.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="letter-spacing: -0.05pt">2.</FONT></TD><TD STYLE="padding-right: 0.5pt">AllianceBernstein Holding L.P.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="letter-spacing: -0.05pt">3.</FONT></TD><TD STYLE="padding-right: 0.5pt">AllianceBernstein Corporation</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="letter-spacing: -0.05pt">4.</FONT></TD><TD STYLE="padding-right: 0.5pt">AllianceBernstein Investments, Inc.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="letter-spacing: -0.05pt">5.</FONT></TD><TD STYLE="padding-right: 0.5pt">AllianceBernstein Global Derivatives Corporation</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="letter-spacing: -0.05pt">6.</FONT></TD><TD STYLE="padding-right: 0.5pt">AllianceBernstein Investor Services, Inc., and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="letter-spacing: -0.05pt">7.</FONT></TD><TD STYLE="padding-right: 0.5pt">Sanford C. Bernstein &amp; Co., LLC.</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS
REMAIN UNCHANGED.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 59%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 41%; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt"><IMG SRC="image_100.jpg" ALT="" STYLE="height: 36px; width: 156px"></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">AUTHORIZED REPRESENTATIVE</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 011</I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">138538 (07/20)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">1</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> 12</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at 12:01 AM May 15, 2023 </I>forms a
part of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <I>06-520-77-93</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <I>AllianceBernstein Complex of Registered Investment Companies</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B>SPECIFIC ENTITY EXCLUSION</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS
REMAIN UNCHANGED.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 59%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 41%; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt"><IMG SRC="image_100.jpg" ALT="" STYLE="height: 36px; width: 156px"></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">AUTHORIZED REPRESENTATIVE</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 012</I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">132766 (05/19)</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">1</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> <B>13</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at <B>12:01 AM May 15, 2023</B> </I>forms
a part of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <B><I>06-520-77-93</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <B><I>AllianceBernstein Complex of Registered Investment
Companies</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <B><I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B>ECONOMIC SANCTIONS ENDORSEMENT</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><I>This endorsement modifies insurance provided under the following:</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 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's Office of Foreign Assets Control (&quot;OFAC&quot;).</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS
REMAIN UNCHANGED.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 59%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 41%; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt"><IMG SRC="image_100.jpg" ALT="" STYLE="height: 36px; width: 156px"></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">AUTHORIZED REPRESENTATIVE</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;American International Group, Inc.
All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 013</I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt">119679 (09/15)</TD>
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">Page 1 of 1</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> <B>14</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at <B>12:01 AM May 15, 2023</B> </I>forms
a part of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <B><I>06-520-77-93</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <B><I>AllianceBernstein Complex of Registered Investment
Companies</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <B><I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: center"><B>NOTICE OF CLAIM (REPORTING<BR>
BY E- MAIL)</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">In consideration of the premium charged,
it is hereby understood and agreed as follows:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.3pt">1.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><I>Email Reporting of Claims</I>: In addition to the postal address set forth for
any Notice of Claim Reporting under this policy, such notice may also be given in writing pursuant to the policy's other terms and conditions
to the Insurer by email at the following email address:</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0.5in; text-align: justify">c-claim@AIG.com</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0.5in; text-align: justify">Your email must reference the policy
number for this policy. The date of the Insurer's receipt of the emailed notice shall constitute the date of notice.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0.5in; text-align: justify">In addition to Notice of Claim Reporting
via email, notice may also be given to the Insurer by mailing such notice to: AIG, Financial Lines Claims, P.O. Box 25947, Shawnee Mission,
KS 66225 or faxing such notice to (866) 227- 1750.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.3pt">2.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><I>Definitions</I>: For this endorsement only, the following definitions shall apply:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-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: 0.5pt">&quot;Insurer&quot; means the &quot;Insurer,&quot; &quot;Underwriter&quot; or &quot;Company&quot;
or other name specifically ascribed in this policy as the insurance company or underwriter for this policy.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-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: 0.5pt">&quot;Notice of Claim Reporting&quot; means &quot;notice of claim/ circumstance,&quot;
&quot;notice of loss&quot; or other reference in the policy designated for reporting of claims, loss or occurrences or situations that
may give rise or result in loss under this policy.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-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: 0.5pt">&quot;Policy&quot; means the policy, bond or other insurance product to which this
endorsement is attached.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.3pt">3.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">This endorsement does not apply to any Kidnap &amp; Ransom/ Extortion Coverage Section,
if any, provided by this policy.</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS REMAIN UNCHANGED.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 59%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 41%; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt"><IMG SRC="image_100.jpg" ALT="" STYLE="height: 36px; width: 156px"></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">AUTHORIZED REPRESENTATIVE</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;American International Group, Inc.
All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 014</I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt">99758 (08/08)</TD>
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">Page 1 of 1</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; 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: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> <B>15</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at <B>12:01 AM May 15, 2023</B> </I>forms
a part of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <B><I>06-520-77-93</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <B><I>AllianceBernstein Complex of Registered Investment
Companies</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <B><I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: center"><B>TENNESSEE CANCELLATION/ NONRENEWAL
AMENDATORY ENDORSEMENT</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">Wherever used in this endorsement: 1)
&quot;Insurer&quot; means the insurance company which issued this policy; and 2) &quot;Named Insured&quot;, means the Named Corporation,
Named Organization, Named Sponsor, Named Insured, or Insured identified in the declarations page; and 3) &quot;Other Insured(s)&quot;
means all other persons or entities afforded coverage under the policy.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0"><FONT STYLE="letter-spacing: -0.3pt">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Cancellation</U></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify">After coverage has been in effect for
sixty (60) days, or in the case of a renewal policy, the policy shall not be cancelled except for one or more of the following reasons:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.25pt">A.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">Nonpayment of premium, including nonpayment of any additional premiums which were
calculated in accordance with the current rating manual of the Insurer and justified by a physical change in the insured property or a
change in its occupancy or use;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.25pt">B.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">Conviction of the Named Insured or Other Insured(s) of a crime having as one of
its necessary elements an act increasing any hazard insured against;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.25pt">C.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">Discovery of fraud or material misrepresentation on the part of either A) the Named
Insured or Other Insured(s) or a representative of same in obtaining the insurance or, B) the Named Insured or Other Insured(s) in pursuing
a claim under the policy;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.25pt">D.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">Failure to comply with written loss control recommendations;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.25pt">E.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">Material change in the risk which increases the risk of loss after the insurance
coverage has been issued or renewed;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.25pt">F.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">Determination by the Commissioner of Insurance that the continuation of the policy
would jeopardize the Insurer's solvency or would place the Insurer in violation of the insurance laws of this state or any other state;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.25pt">G.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">Violation or breach by the Named Insured or Other Insured(s) of any policy terms
or conditions; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.25pt">H.</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt">Such other reasons that are approved by the Commissioner of Insurance.</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0"><FONT STYLE="letter-spacing: -0.3pt">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Notice
of Cancellation</U></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0.5in; text-align: justify">Notice of cancellation must be mailed
or delivered by the Insurer or its authorized agents, to the named Insured, at the address shown in the policy. The notice shall state
the grounds for cancellation and that upon written request of the named Insured, the Insurer shall furnish the facts on which the cancellation
is based. Cancellation shall not be effective until ten (10) days after mailing, if cancellation is due to one of the above mentioned
reasons or if the policy has been in effect less than sixty (60) days and is not a renewal.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0">The mailing of the notice shall be sufficient proof of notice.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; width: 59%">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;American International Group, Inc.
All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 015</I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt">52169 (7/96)</TD>
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">Page 15 of 2</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> <B>15 (continued)</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify"><FONT STYLE="letter-spacing: -0.3pt">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Nonrenewal</U></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0.5in; text-align: justify">The Insurer may nonrenew the policy
by giving written notice of nonrenewal to the Named Insured and its authorized agent, (at the address shown in the policy) no less than
sixty (60) days prior to the expiration date of the policy. If the Insurer fails to mail or deliver the notice of nonrenewal, the Insurer
is required to extend the existing policy for an additional sixty (60) days. Notice of nonrenewal is not required if the Insurer has:
1) offered renewal, 2) if the Named Insured has replaced coverage, or 3) if the Named Insured has agreed in writing to replace coverage.
If the Insurer provides such notice and extends the policy for ninety (90) days or less, an additional notice of renewal is not required.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify"><FONT STYLE="letter-spacing: -0.3pt">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Increase
in Rates</U></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0.5in; text-align: justify">Should the Insurer intend to effect
a revision of rates by more then 25%, the Insurer shall mail or deliver to the Named Insured and its authorized agent at the address shown
in the policy not less than sixty (60) days notice of its intention to increase the premium. The notice shall specify the percentage of
increase.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0; text-align: justify"><FONT STYLE="letter-spacing: -0.3pt">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Refund
of Unearned Premiums</U></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0.5in; text-align: justify">If the policy is cancelled, the
Insurer will send the Named Insured any premium refund due. However, whenever an insurance policy which is financed with a premium finance
company is cancelled, the insurer shall return, within 30 days after the effective date of the cancellation, whatever gross unearned premiums
are due under the policy directly to the premium finance company for the account of the Named Insured.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0.5in; text-align: justify">The refund will be pro rata if:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-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: 0.5pt">The Insurer cancels; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Calibri, Helvetica, Sans-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: 0.5pt">The policy is cancelled at the request of a premium financed company that has financed
the policy under a premium finance agreement.</TD></TR></TABLE>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 12pt 0.5in; text-align: justify">The refund may be less than pro
rata if the Named Insured cancels the policy. The cancellation will be effective even if the Insurer has not made or offered a refund.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS REMAIN UNCHANGED.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 59%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 41%; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt"><IMG SRC="image_100.jpg" ALT="" STYLE="height: 36px; width: 156px"></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">AUTHORIZED REPRESENTATIVE</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;American International Group, Inc.
All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 015</I></B></P>

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  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt">52169 (7/96)</TD>
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">Page 16 of 2</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>


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<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>ENDORSEMENT#</U></B> <B>16</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">This endorsement, effective <I>at <B>12:01 AM May 15, 2023</B> </I>forms
a part of</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Policy number: <B><I>06-520-77-93</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0">Issued to: <B><I>AllianceBernstein Complex of Registered Investment
Companies</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">By: <B><I>National Union Fire Insurance Company of Pittsburgh,
Pa.</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">FORMS INDEX ENDORSEMENT</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">The contents of the Policy is comprised of the following forms:</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 21%; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 0.5pt">FORM NUMBER</TD>
    <TD STYLE="width: 7%; border-bottom: black 1pt solid; border-right: black 1pt solid">
    <P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">EDITION</P>
    <P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">DATE</P></TD>
    <TD STYLE="width: 72%; border-bottom: black 1pt solid; padding-right: 0.5pt">FORM TITLE</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">41205</TD>
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">04/95</TD>
    <TD STYLE="padding-right: 0.5pt">INVESTMENT COMPANY BLANKED BOND - DECLARATIONS</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">41206</TD>
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">09/84</TD>
    <TD STYLE="padding-right: 0.5pt">INVESTMENT COMPANY BLANKET BOND GUTS</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">SR 6180b</TD>
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">12/93</TD>
    <TD STYLE="padding-right: 0.5pt">NEW YORK STATUTORY RIDER</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">127423</TD>
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">11/17</TD>
    <TD STYLE="padding-right: 0.5pt">ADDITIONAL NAMED INSURED RIDER</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">132765</TD>
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">05/19</TD>
    <TD STYLE="padding-right: 0.5pt">AMENDED INSURING AGREEMENT (A) FIDELITY</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">132764</TD>
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">05/19</TD>
    <TD STYLE="padding-right: 0.5pt">AMENDED INSURING AGREEMENT (G) COUNTERFEIT CURRENCY</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">140342</TD>
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">03/21</TD>
    <TD STYLE="padding-right: 0.5pt">COMPUTER CRIME COVERAGE RIDER</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">132769</TD>
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">05/19</TD>
    <TD STYLE="padding-right: 0.5pt">AUTOMATED PHONE SYSTEMS</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">138539</TD>
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">07/20</TD>
    <TD STYLE="padding-right: 0.5pt">AUTOMATIC COVERAGE RIDER</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">132768</TD>
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">05/19</TD>
    <TD STYLE="padding-right: 0.5pt">AMEND SECTION 13. TERMINATION</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">135445</TD>
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">02/20</TD>
    <TD STYLE="padding-right: 0.5pt">CO-SURETY RIDER</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">132767</TD>
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">05/19</TD>
    <TD STYLE="padding-right: 0.5pt">RELIANCE UPON OTHER CARRIER'S APPLICATION RIDER</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">138538</TD>
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">07/20</TD>
    <TD STYLE="padding-right: 0.5pt">AMENDED INSURED RIDER</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">132766</TD>
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">05/19</TD>
    <TD STYLE="padding-right: 0.5pt">SPECIFIC ENTITY EXCLUSION</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">119679</TD>
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">09/15</TD>
    <TD STYLE="padding-right: 0.5pt">ECONOMIC SANCTIONS ENDORSEMENT</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">99758</TD>
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">08/08</TD>
    <TD STYLE="padding-right: 0.5pt">NOTICE OF CLAIM (REPORTING BY E-MAIL)</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">52169</TD>
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">07/96</TD>
    <TD STYLE="padding-right: 0.5pt">TENNESSEE AMENDATORY - CANCELLATION/NONRENEWAL</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">78859</TD>
    <TD STYLE="border-right: black 1pt solid; padding-right: 0.5pt">10/01</TD>
    <TD STYLE="padding-right: 0.5pt">FORMS INDEX ENDORSEMENT</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 -80pt; text-align: center">ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS
REMAIN UNCHANGED.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 59%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 41%; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt"><IMG SRC="image_100.jpg" ALT="" STYLE="height: 36px; width: 156px"></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">AUTHORIZED REPRESENTATIVE</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center">&copy;American International Group, Inc.
All rights reserved.</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B><I>END 016</I></B></P>

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  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt">78859 (10/01)</TD>
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: center">Page 1 of 1</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
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<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: right"><IMG SRC="image_105.jpg" ALT="" STYLE="height: 37px; width: 59px"></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B>CLAIM REPORTING FORM</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">Issuing Company: <B>National Union Fire Insurance Company of
Pittsburgh, Pa.</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding-right: 0.5pt; padding-left: 5.4pt">Reported under Policy/Bond Number: <B><U>06-520-77-93</U></B></TD>
    <TD STYLE="width: 50%; padding-right: 0.5pt; padding-left: 5.4pt">Date: ________________________</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">Type of Coverage: D&amp;O ____ E&amp;O ____ Fidelity ____ (complete
the Fidelity Supplemental on the next page)</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">Insured's Name, as given on Policy Declarations (Face Page):</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 9%; padding-top: 6pt; padding-right: 0.5pt">&nbsp;</TD>
    <TD STYLE="width: 91%; border-bottom: Black 1pt solid; padding-top: 6pt; padding-right: 0.5pt"><B><I>AllianceBernstein Complex of Registered Investment</I></B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt; padding-right: 0.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 6pt; padding-right: 0.5pt"><B><I>Companies</I></B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt; padding-right: 0.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 6pt; padding-right: 0.5pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">Contact Person:</TD>
    <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">Title:</TD>
    <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">Phone:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">(&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;-&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">Ext</TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">eMail:</TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">@</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="width: 17%">&nbsp;</TD>
    <TD STYLE="width: 30%">&nbsp;</TD>
    <TD STYLE="width: 6%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 6%">&nbsp;</TD>
    <TD STYLE="width: 38%">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 34%; border-bottom: Black 3pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

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  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 25%; padding-right: 0.5pt; padding-left: 5.4pt">Case or Claimant Name:</TD>
    <TD STYLE="width: 75%; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">If the party involved is different from &quot;Insured&quot;
Name (as given on Policy Declarations) state relationship:</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; width: 33%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3pt solid; padding-right: 0.5pt; padding-left: 5.4pt; width: 34%">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt; width: 33%">&nbsp;</TD></TR>
</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt; padding-right: 0.5pt">Insurance Broker/ Agent:</TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; padding-top: 6pt; padding-right: 0.5pt"><B><I>AON RISK SERVICES NORTHEAST INC</I></B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt; padding-right: 0.5pt">Address:</TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; padding-top: 6pt; padding-right: 0.5pt"><B><I>ONE LIBERTY PLAZA, 165 BROADWAY</I></B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt; padding-right: 0.5pt">Address:</TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; padding-top: 6pt; padding-right: 0.5pt"><B><I>NEW YORK, NY 10006</I></B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 26%; padding-top: 6pt; padding-right: 0.5pt">Contact:</TD>
    <TD STYLE="width: 36%; border-bottom: Black 1pt solid; padding-top: 6pt; padding-right: 0.5pt"><B><I>CARA LATORRE</I></B></TD>
    <TD STYLE="width: 14%; padding-top: 6pt; padding-right: 0.5pt">Phone:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 24%; padding-top: 6pt; padding-right: 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt; padding-right: 0.5pt">eMail:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 6pt; padding-right: 0.5pt"><B><I>Cara.latorre@aon.com</I></B></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 6pt; padding-right: 0.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 6pt; padding-right: 0.5pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

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  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 34%; border-bottom: Black 3pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

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  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">Send Notice of Claims to:</TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">AIG</P>
    <P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">Financial Lines Claims</P>
    <P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">P.O. Box 25947</P>
    <P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">Shawnee Mission, KS 66225</P></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">Phone: (888) 602- 5246</P>
    <P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">Fax: (866) 227- 1750</P>
    <P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">Email: c- Claim@AIG.com</P>
    <P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>


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<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B>CLAIM REPORTING FORM</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B>FIDELITY SUPPLEMENTAL</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><B>(Only complete this supplemental if the
Claim is being reported under Fidelity Coverage)</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">Issuing Company: <B><I>National Union Fire Insurance Company
of Pittsburgh, Pa.</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">Reported under Policy/ Bond Number: <B><I><U>06-520-77-93</U></I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

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  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 34%; border-bottom: Black 3pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%; padding-right: 0.5pt; padding-left: 5.4pt">Date of Discovery:</TD>
    <TD STYLE="width: 25%; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 4%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 27%; padding-right: 0.5pt; padding-left: 5.4pt">Estimated Amount of loss:</TD>
    <TD STYLE="width: 24%; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0"><B><I>&nbsp;</I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%; padding-right: 0.5pt; padding-left: 5.4pt">Cause of Loss:</TD>
    <TD STYLE="width: 20%; padding-right: 0.5pt; padding-left: 5.4pt">Employee Dishonesty</TD>
    <TD STYLE="width: 20%; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 20%; padding-right: 0.5pt; padding-left: 5.4pt">Computer Fraud</TD>
    <TD STYLE="width: 20%; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">Funds Transfer</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">Robbery/Burglary</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">ID Theft</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">Forgery</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">Client Property</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">In Transit</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
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    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">ERISA</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">Credit Card Forgery</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
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    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">Other</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">If Other, describe:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
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    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
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    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  </TABLE>
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<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
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    <TD STYLE="width: 33%; padding-right: 0.5pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P>

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  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 0.5pt; padding-left: 5.4pt">Send Notice of Claims to:</TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">AIG</P>
    <P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">Financial Lines Claims</P>
    <P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">P.O. Box 25947</P>
    <P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">Shawnee Mission, KS 66225</P></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">Phone: (888) 602- 5246</P>
    <P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">Fax: (866) 227- 1750</P>
    <P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">Email: c- Claim@AIG.com</P>
    <P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0">&nbsp;</P></TD></TR>
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<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0.5pt 0 0; text-align: center"><I>centralized Customer Link and Information
Management</I></P>

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<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: 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 Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><FONT STYLE="font-weight: normal">REGISTERED
INVESTMENT COMPANIES JOINT FIDELITY BOND AGREEMENT</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">AGREEMENT made as of May
12, 2023, 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 Active ETFs, 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 Variable Products Series Fund, Inc., Sanford C. Bernstein
Fund II, Inc., The AB Portfolios, AllianceBernstein Global High Income Fund, Inc., AllianceBernstein 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;)</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">WHEREAS, 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</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">WHEREAS, AB provides investment
advisory services and/or certain administrative and financial services to the investment companies; and</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">WHEREAS, 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</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">WHEREAS, 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</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">WHEREAS, the investment
companies are registered management investment companies managed by AB; and</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">WHEREAS, the investment
companies desire to obtain coverage under one joint fidelity bond; and</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">WHEREAS, the Boards 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, the &ldquo;<U>SCB Funds</U>&rdquo;) elects to calculate the required amounts of fidelity bond coverage on
a basis that treats each such investment company as a single registered management investment company for purposes of Rule 17g-1; and</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">WHEREAS, the AB Multi-Manager
Alternative Fund (the &ldquo;<U>MMA Fund</U>&rdquo;) consists of a single portfolio (together with the SCB Funds, the &ldquo;<U>Bernstein
Funds</U>&rdquo;); and</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">WHEREAS, the Boards of
Directors or Trustees of each investment company that is a party to this Agreement other than the Bernstein Funds (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 each such investment company as a single registered management
investment company for purposes of Rule 17g-1; and</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">WHEREAS, 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</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 6pt; margin-left: 0pt; text-indent: 0pt; text-align: justify">investment
companies that are parties to this Agreement in the respective amounts set forth in Schedule A to this Agreement.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">NOW, THEREFORE, it is agreed
as follows:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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 insurance companies including National Union Fire Insurance Company of Pittsburgh, PA, United States Fire Insurance
Company, Berkley Regional Insurance Company and Federal 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 $47,900,000 at a total annual cost of
approximately $183,595, 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 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 0 12pt; text-align: justify; text-indent: 0.5in">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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 that 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 0 12pt; text-align: justify; text-indent: 0.5in">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(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 0 12pt; text-align: justify; text-indent: 1in">(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 0 12pt; text-align: justify; text-indent: 1in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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 $41,650,000 plus the difference between: (1) $2,500,000 and the amount of the loss recovered by the SCB Fund under clause (ii),
(2) $2,500,000 and the amount of the loss recovered by the Bernstein Fund under clause (iii), and (3) $1,250,000 and the amount of the
loss recovered by the MMA Fund under clause (iv). 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 0 12pt; text-align: justify; text-indent: 1in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
SCB Fund 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 $2,500,000 plus the difference between: (1)</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 6pt; margin-left: 0pt; text-indent: 0pt; text-align: justify">$41,650,000 and the amount of the loss recovered by the AB Funds under clause (i), (2) $2,500,000 and the amount of the loss recovered
by the Bernstein Fund under clause (iii), and $1,250,000 and the amount of the loss recovered by the MMA Fund under clause (iv). 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).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">(iii) The Bernstein Fund
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 $2,500,000 plus the difference between: (1) $41,650,000 and the amount of the loss recovered by the AB Funds under clause (i), (2)
$2,500,000 and the amount of the loss recovered by the SCB Fund under clause (ii), and (3) $1,250,000 and the amount of the loss recovered
by the MMA Fund under clause (iv). Such amounts shall be allocated among the portfolios of the Bernstein Fund on an equitable and proportionate
basis as determined by the Board of Directors of the Bernstein 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).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
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) $41,650,000 and the amount of the loss recovered by the AB Funds under clause (i), (2) $2,500,000
and the amount of the loss recovered by the SCB Fund under clause (ii), and (3) $2,500,000 and the amount of the loss recovered by the
Bernstein Fund under clause (iii). Such amount shall be at least equal to the amount which the MMA Fund would have received had it 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 0 12pt; text-align: justify; text-indent: 1in">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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), (iii) and (iv) above among
the investment companies that sustained such loss, without regard to the proportion of the actual aggregate loss recovered, and with the
AB Funds&rsquo; $41,650,000, the SCB Fund&rsquo;s $2,500,000, the Bernstein Fund&rsquo;s $2,500,000, and the MMA Fund&rsquo;s $1,250,000
amounts being reduced proportionate to any reduction to the $47,900,000 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 AB Funds&rsquo; $41,650,000, the SCB Fund&rsquo;s $2,500,000, the Bernstein Fund&rsquo;s $2,500,000 and the MMA Fund&rsquo;s
$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 0 12pt; text-align: justify; text-indent: 1in">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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 0 12pt; text-align: justify; text-indent: 1in">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This
Agreement shall be governed by and construed in accordance with the laws of the State of New York.</P>


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<P STYLE="font: 12pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 24pt; text-align: justify; text-indent: 0.5in">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>

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  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left">/s/ Nancy E. Hay</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: left">Nancy E. Hay</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Secretary for each of the Investment Companies</P>
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left">/s/ David M. Lesser</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">David M. Lesser</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">Corporate Secretary for AllianceBernstein L.P.</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="width: 20%">&nbsp;</TD>
    <TD STYLE="width: 38%">&nbsp;</TD>
    <TD STYLE="width: 18%">&nbsp;</TD>
    <TD STYLE="width: 24%">&nbsp;</TD></TR>
  </TABLE>

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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: left; width: 100%">&#160;</TD></TR></TABLE></DIV>
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<P STYLE="font: 12pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><FONT STYLE="font-weight: normal"><U>SCHEDULE
A</U></FONT></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&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: 52%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">Registered Management Investment Companies</FONT></TD>
    <TD STYLE="width: 26%; padding-right: 17.3pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">Allocated Cost ($)</FONT></TD>
    <TD STYLE="width: 22%; padding-right: 5.4pt; padding-left: 17.5pt; text-align: justify"><FONT STYLE="font-size: 11pt">Bond Amount ($)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 17.3pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 17.5pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">AB Active ETFs, Inc.</FONT></TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center"><FONT STYLE="font-size: 11pt">2,874.66</FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">750,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">AB Bond Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center"><FONT STYLE="font-size: 11pt">9,582.20</FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">2,500,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">AB Cap Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center"><FONT STYLE="font-size: 11pt">9,582.20</FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">2,500,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">AB Core Opportunities Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center"><FONT STYLE="font-size: 11pt">2,299.73</FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">600,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">AB Corporate Shares</FONT></TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center"><FONT STYLE="font-size: 11pt">9,582.20</FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">2,500,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">AB Discovery Growth Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center"><FONT STYLE="font-size: 11pt">8,049.05</FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">2,100,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">AB Equity Income Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center"><FONT STYLE="font-size: 11pt">3,449.59</FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">900,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">AB Fixed-Income Shares, Inc.</FONT></TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center"><FONT STYLE="font-size: 11pt">9,582.20</FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">2,500,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">AB Global Bond Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center"><FONT STYLE="font-size: 11pt">9,582.20</FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">2,500,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">AB Global Real Estate Investment Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center"><FONT STYLE="font-size: 11pt">1,724.80</FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">450,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">AB Global Risk Allocation Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center"><FONT STYLE="font-size: 11pt">2,299.73</FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">600,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">AB High Income Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center"><FONT STYLE="font-size: 11pt">9,582.20</FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">2,500,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">AB Institutional Funds, Inc.</FONT></TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center"><FONT STYLE="font-size: 11pt">2,299.73</FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">600,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">AB Large Cap Growth Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center"><FONT STYLE="font-size: 11pt">9,582.20</FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">2,500,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">AB Municipal Income Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center"><FONT STYLE="font-size: 11pt">9,582.20</FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">2,500,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">AB Municipal Income Fund II</FONT></TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center"><FONT STYLE="font-size: 11pt">3,832.88</FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">1,000,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">AB Relative Value Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center"><FONT STYLE="font-size: 11pt">6,515.90</FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">1,700,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">AB Sustainable Global Thematic Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center"><FONT STYLE="font-size: 11pt">6,515.90</FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">1,700,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">AB Sustainable International Thematic Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center"><FONT STYLE="font-size: 11pt">3,832.88</FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">1,000,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">AB Trust</FONT></TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center"><FONT STYLE="font-size: 11pt">8,815.63</FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">2,300,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">AB Variable Products Series Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center"><FONT STYLE="font-size: 11pt">9,582.20</FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">2,500,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">Sanford C. Bernstein Fund II, Inc.</FONT></TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center"><FONT STYLE="font-size: 11pt">3,832.88</FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">1,000,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">The AB Portfolios</FONT></TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center"><FONT STYLE="font-size: 11pt">8,815.63</FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">2,300,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">AllianceBernstein Global High Income Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center"><FONT STYLE="font-size: 11pt">4,791.10</FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">1,250,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">AllianceBernstein National Municipal Income Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center"><FONT STYLE="font-size: 11pt">3,449.59</FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">900,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">Bernstein Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center"><FONT STYLE="font-size: 11pt">9,582.20</FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">2,500,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">Sanford C. Bernstein Fund, Inc.</FONT></TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center"><FONT STYLE="font-size: 11pt">9,582.20</FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">2,500,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">AB Multi-Manager Alternative Fund</FONT></TD>
    <TD STYLE="padding-right: 30.6pt; padding-left: 26.8pt; text-align: center"><FONT STYLE="font-size: 11pt">4,791.10</FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 11pt">1,250,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 0.3in; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right; text-indent: 0.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 11pt">Totals</FONT></TD>
    <TD STYLE="padding-right: 0.3in; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 11pt"><B>$183,595.00</B></FONT></TD>
    <TD STYLE="padding-right: 35.1pt; padding-left: 5.4pt; text-align: right; text-indent: 0.4pt"><FONT STYLE="font-size: 11pt"><B>$47,900,000</B></FONT></TD></TR>
  </TABLE>

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

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<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-align: center"></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 12pt">CERTIFICATE OF ASSISTANT SECRETARY</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; 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 2-4, 2023, 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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">IN WITNESS WHEREOF, the undersigned has executed
this Certificate as Assistant Secretary of the above-referenced Funds on this 1st day of June, 2023.</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: 50%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 50%; 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"><U>/s/ Stephen J. Laffey</U></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">Stephen J. Laffey</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">Assistant Secretary</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">&nbsp;</P>

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


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    <DIV STYLE="break-before: page; 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/115% Times New Roman, Times, Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0.1in 12pt 0; text-indent: 0.55in">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 of Pittsburgh,
PA, United States Fire Insurance Company, Berkley Regional Insurance Company and Federal Insurance Company, 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 &quot;Employee&quot;
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 &quot;Act&quot;) in the amount of approximately $47,900,000 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' portfolios;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0.05in 12pt 0; text-indent: 0.55in">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 2023 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 approximate $47,900,000
aggregate amount of coverage under the joint insured bond, the aggregate 2023 annual cost of such bond of approximately $183,595, 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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.55in">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</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 0.5in 12pt 0; text-align: justify">by paragraph (d)(1) of Rule 17g-1 promulgated
under the Act; and</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.55in">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>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 69%; padding-left: 1.2pt"><U>*AB Funds</U></TD>
    <TD STYLE="width: 31%; padding-right: 4.5pt; padding-left: 4.5pt; text-align: center"><U>Approximate <BR>
Allocated Cost</U></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 1.2pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: center">**</TD></TR>
  <TR>
    <TD STYLE="padding-left: 1.2pt">AB Bond Fund, Inc.</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: center">$9,582.20</TD></TR>
  <TR>
    <TD STYLE="padding-left: 1.2pt">AB Cap Fund, Inc.</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: center">$9,582.20</TD></TR>
  <TR>
    <TD STYLE="padding-left: 1.2pt">AB Core Opportunities Fund, Inc.</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: center">$2,299.73</TD></TR>
  <TR>
    <TD STYLE="padding-left: 1.2pt">AB Corporate Shares</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: center">$9,582.20</TD></TR>
  <TR>
    <TD STYLE="padding-left: 1.2pt">AB Discovery Growth Fund, Inc.</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: center">$8,049.05</TD></TR>
  <TR>
    <TD STYLE="padding-left: 1.2pt">AB Active ETFs, Inc.</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: center">$2,874.66</TD></TR>
  <TR>
    <TD STYLE="padding-left: 1.2pt">AB Equity Income Fund, Inc.</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: center">$3,449.59</TD></TR>
  <TR>
    <TD STYLE="padding-left: 1.2pt">AB Fixed-Income Shares, Inc.</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: center">$9,582.20</TD></TR>
  <TR>
    <TD STYLE="padding-left: 1.2pt">AB Global Bond Fund, Inc.</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: center">$9,582.20</TD></TR>
  <TR>
    <TD STYLE="padding-left: 1.2pt">AB Global Real Estate Investment Fund, Inc.</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: center">$1,724.80</TD></TR>
  <TR>
    <TD STYLE="padding-left: 1.2pt">AB Global Risk Allocation Fund, Inc.</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: center">$2,299.73</TD></TR>
  <TR>
    <TD STYLE="padding-left: 1.2pt">AB High Income Fund, Inc.</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: center">$9,582.20</TD></TR>
  <TR>
    <TD STYLE="padding-left: 1.2pt">AB Institutional Funds, Inc.</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: center">$2,299.73</TD></TR>
  <TR>
    <TD STYLE="padding-left: 1.2pt">AB Large Cap Growth Fund, Inc.</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: center">$9,582.20</TD></TR>
  <TR>
    <TD STYLE="padding-left: 1.2pt">AB Municipal Income Fund, Inc.</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: center">$9,582.20</TD></TR>
  <TR>
    <TD STYLE="padding-left: 1.2pt">AB Municipal Income Fund II</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: center">$3,832.88</TD></TR>
  <TR>
    <TD STYLE="padding-left: 1.2pt">AB Relative Value Fund, Inc.</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: center">$6,515.90</TD></TR>
  <TR>
    <TD STYLE="padding-left: 1.2pt">AB Sustainable Global Thematic Fund, Inc.</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: center">$6,515.90</TD></TR>
  <TR>
    <TD STYLE="padding-left: 1.2pt">AB Sustainable International Thematic Fund, Inc.</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: center">$3,832.88</TD></TR>
  <TR>
    <TD STYLE="padding-left: 1.2pt">AB Trust</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: center">$8,815.63</TD></TR>
  <TR>
    <TD STYLE="padding-left: 1.2pt">AB Variable Products Series Fund, Inc.</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: center">$9,582.20</TD></TR>
  <TR>
    <TD STYLE="padding-left: 1.2pt">Sanford C. Bernstein Fund II, Inc.</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: center">$3,832.88</TD></TR>
  <TR>
    <TD STYLE="padding-left: 1.2pt">The AB Portfolios</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: center">$8,815.63</TD></TR>
  <TR>
    <TD STYLE="padding-left: 1.2pt">AllianceBernstein Global High Income Fund, Inc.</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: center">$4,791.10</TD></TR>
  <TR>
    <TD STYLE="padding-left: 1.2pt">AllianceBernstein National Municipal Income Fund, Inc.</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: center">$3,449.59</TD></TR>
  </TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 6pt; margin-left: 0pt; text-indent: 0pt; text-align: justify">&nbsp;</P>


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<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 0 12pt; text-align: right">Exhibit C-2</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">SANFORD C. BERNSTEIN FUND, INC.<BR>
BERNSTEIN FUND, INC.<BR>
AB MULTI-MANAGER ALTERNATIVE FUND</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The undersigned, being
the duly elected and qualified Secretary of each of the Sanford C. Bernstein Fund, Inc. (&quot;SCB Fund&quot;) and the Bernstein Fund,
Inc. (&quot;Bernstein Fund&quot;), each a Maryland corporation, and of the AB Multi-Manager Alternative Fund, Inc. (&quot;MMA Fund&quot;),
a Delaware statutory trust, hereby certifies that the attached hereto is a true and complete copy of the resolutions that were approved
by the entire Board of Directors/Trustees (collectively, the &quot;Board of Directors&quot;) by written consent on May 12<SUP>th</SUP>,
2023 and that said resolutions have not been revoked or amended and are now in full force and effect.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the
undersigned has executed this Certificate of Secretary of the above-referenced Funds and Trust this 24<SUP>th</SUP> day of May 2023.</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: 61%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 39%; 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: left"><U>/s/ Nancy E. Hay</U></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: left">Nancy E. Hay</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: left">Secretary</TD></TR>
  </TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt">&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 0 12pt; text-align: justify; text-indent: 0.5in">RESOLVED, that the Board
of Directors hereby determines that participation by SCB Fund, Bernstein Fund and MMA Fund (together, the &quot;Funds&quot;) in a joint
fidelity bond underwritten by National Union Fire Insurance Company, Berkley Regional Ins. Co., United States Fire Ins. Co., and Federal
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 &quot;Employee&quot; 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 &quot;1940 Act&quot;), in the amount of $2,500,000 for SCB Fund, $2,500,000 for Bernstein Fund, and $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 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' portfolios; and</P>

<P STYLE="font: 12pt 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 $9,600 as it relates to SCB Fund, $9,600 as it relates to Bernstein Fund and
$4,800 as it relates to MMA Fund, representing the respective portion of the 2023 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 $47,900,000 aggregate amount of coverage under
the joint insured bond, the aggregate 2023 annual cost of such bond of approximately $188,200, 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: 12pt 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, MMA 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, Bernstein Fund and MMA 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>


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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 0 12pt; text-align: justify; text-indent: 0.5in">FURTHER RESOLVED, that
the respective Secretary and Assistant Secretaries of SCB Fund, Bernstein Fund and 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">&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-align: center"></P>


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<DOCUMENT>
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begin 644 image_095.jpg
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end
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<DOCUMENT>
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<FILENAME>image_096.jpg
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begin 644 image_096.jpg
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4***********************__]D!

end
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<DOCUMENT>
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<FILENAME>image_097.jpg
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<TEXT>
begin 644 image_097.jpg
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end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>6
<FILENAME>image_098.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_098.jpg
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end
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<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>7
<FILENAME>image_099.jpg
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begin 644 image_099.jpg
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end
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</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>8
<FILENAME>image_100.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_100.jpg
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end
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<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>9
<FILENAME>image_101.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_101.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  H'!PD'!@H)" D+"PH,#QD0#PX.
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end
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<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>10
<FILENAME>image_104.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_104.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
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MHH **** "BBB@!H8YHW'-%% #A1110 4444 %%%% !1110 4444 %,9B& HH
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end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>11
<FILENAME>image_105.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_105.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
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