<SEC-DOCUMENT>0000912938-20-000027.txt : 20200204
<SEC-HEADER>0000912938-20-000027.hdr.sgml : 20200204
<ACCEPTANCE-DATETIME>20200204112447
ACCESSION NUMBER:		0000912938-20-000027
CONFORMED SUBMISSION TYPE:	40-17G
PUBLIC DOCUMENT COUNT:		4
FILED AS OF DATE:		20200204
DATE AS OF CHANGE:		20200204
EFFECTIVENESS DATE:		20200204

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS SERIES TRUST I
		CENTRAL INDEX KEY:			0000798244
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1130

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-04777
		FILM NUMBER:		20571220

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		18006372929

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS SERIES TRUST I /MA/
		DATE OF NAME CHANGE:	19940427

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS LIFETIME MANAGED SECTORS FUND
		DATE OF NAME CHANGE:	19930408

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	LIFETIME MANAGED SECTORS TRUST
		DATE OF NAME CHANGE:	19920703

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MASSACHUSETTS INVESTORS TRUST
		CENTRAL INDEX KEY:			0000063091
		IRS NUMBER:				041590600
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-00203
		FILM NUMBER:		20571188

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		18006372929

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MASSACHUSETTS INVESTORS GROWTH STOCK FUND
		CENTRAL INDEX KEY:			0000063090
		IRS NUMBER:				041885327
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1031

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-00859
		FILM NUMBER:		20571187

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		18006372929

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MASSACHUSETTS INVESTORS GROWTH STOCK FUND INC
		DATE OF NAME CHANGE:	19920414

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS SERIES TRUST V
		CENTRAL INDEX KEY:			0000200489
		IRS NUMBER:				042468583
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			0930

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-02031
		FILM NUMBER:		20571205

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		18006372929

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS TOTAL RETURN FUND
		DATE OF NAME CHANGE:	19930408

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MASSACHUSETTS MFS TOTAL RETURN FUND
		DATE OF NAME CHANGE:	19921023

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MASSACHUSETTS FINANCIAL TOTAL RETURN TRUST
		DATE OF NAME CHANGE:	19920703

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS SERIES TRUST XVI
		CENTRAL INDEX KEY:			0000063067
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-02032
		FILM NUMBER:		20571215

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		18006372929

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS GROWTH OPPORTUNITIES FUND
		DATE OF NAME CHANGE:	19940304

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS CAPITAL DEVELOPMENT FUND
		DATE OF NAME CHANGE:	19930408

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MASSACHUSETT MFS CAPITAL DEVELOPMENT FUND
		DATE OF NAME CHANGE:	19921015

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS SERIES TRUST IX
		CENTRAL INDEX KEY:			0000063075
		IRS NUMBER:				042535629
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			0430

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-02464
		FILM NUMBER:		20571204

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		18006372929

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS SERIES TRUST IX /MA/
		DATE OF NAME CHANGE:	19951218

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS SERIES TRUST IX
		DATE OF NAME CHANGE:	19950207

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS BOND FUND
		DATE OF NAME CHANGE:	19930408

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS SERIES TRUST IV
		CENTRAL INDEX KEY:			0000063068
		IRS NUMBER:				046382595
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1031

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-02594
		FILM NUMBER:		20571203

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		18006372929

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS MUNICIPAL BOND FUND /MA/
		DATE OF NAME CHANGE:	19930910

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MASSACHUSETTS CASH MANAGEMENT TRUST
		DATE OF NAME CHANGE:	19920703

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS SERIES TRUST III
		CENTRAL INDEX KEY:			0000225604
		IRS NUMBER:				046414785
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			0131

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-02794
		FILM NUMBER:		20571202

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		18006372929

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS SERIES TRUST III /MA
		DATE OF NAME CHANGE:	19940411

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS HIGH INCOME FUND
		DATE OF NAME CHANGE:	19930408

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MASSACHUSETTS FINANCIAL HIGH INCOME TRUST
		DATE OF NAME CHANGE:	19920703

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS SERIES TRUST VII
		CENTRAL INDEX KEY:			0000318874
		IRS NUMBER:				046452925
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			0731

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-03090
		FILM NUMBER:		20571207

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		18006372929

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS WORLDWIDE GOVERNMENTS FUND
		DATE OF NAME CHANGE:	19930408

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS WORLDWIDE GOVERNMENTS TRUST
		DATE OF NAME CHANGE:	19920703

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MASSACHUSETTS FINANCIAL INTERNATIONAL TRUST BOND PORTFOLIO
		DATE OF NAME CHANGE:	19910225

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS SERIES TRUST XIII
		CENTRAL INDEX KEY:			0000356349
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			0331

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-03327
		FILM NUMBER:		20571212

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		18006372929

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS GOVERNMENT SECURITIES FUND
		DATE OF NAME CHANGE:	19930408

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS GOVERNMENT GUARANTEED SECURITIES TRUST
		DATE OF NAME CHANGE:	19910522

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	WORKING CAPITAL TRUST
		DATE OF NAME CHANGE:	19840529

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS VARIABLE INSURANCE TRUST II
		CENTRAL INDEX KEY:			0000719269
		IRS NUMBER:				046540044
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-03732
		FILM NUMBER:		20571218

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		16179545839

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS SUN LIFE SERIES TRUST
		DATE OF NAME CHANGE:	19920703

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	COMPASS SERIES TRUST
		DATE OF NAME CHANGE:	19850325

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS MUNICIPAL SERIES TRUST
		CENTRAL INDEX KEY:			0000751656
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			0331

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-04096
		FILM NUMBER:		20571200

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		18006372929

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS MANAGED MULTI STATE MUNICIPAL BOND TRUST
		DATE OF NAME CHANGE:	19920703

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS MANAGED MULTI STATE TAX EXEMPT TRUST
		DATE OF NAME CHANGE:	19890410

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS SERIES TRUST XV
		CENTRAL INDEX KEY:			0000764719
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1031

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-04253
		FILM NUMBER:		20571214

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		18006372929

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS GOVERNMENT LIMITED MATURITY FUND /MA/
		DATE OF NAME CHANGE:	19930623

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS GOVERNMENT PREMIUM FUND
		DATE OF NAME CHANGE:	19930408

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS GOVERNMENT PREMIUM ACCOUNT
		DATE OF NAME CHANGE:	19920703

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS SERIES TRUST X
		CENTRAL INDEX KEY:			0000783740
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1130

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-04492
		FILM NUMBER:		20571209

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		18006372929

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS GOVERNMENT MORTGAGE FUND
		DATE OF NAME CHANGE:	19930408

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS GOVERNMENT INCOME PLUS FUND
		DATE OF NAME CHANGE:	19930312

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MASSACHUSETTS MFS GOVERNMENT INCOME PLUS FUND
		DATE OF NAME CHANGE:	19921015

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS SERIES TRUST II
		CENTRAL INDEX KEY:			0000798250
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1130

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-04775
		FILM NUMBER:		20571201

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		18006372929

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS SERIES TRUST II /MA/
		DATE OF NAME CHANGE:	19940131

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS LIFETIME EMERGING GROWTH FUND
		DATE OF NAME CHANGE:	19930408

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	LIFETIME EMERGING GROWTH TRUST
		DATE OF NAME CHANGE:	19920703

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS MUNICIPAL INCOME TRUST
		CENTRAL INDEX KEY:			0000801961
		IRS NUMBER:				046554822
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1031

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-04841
		FILM NUMBER:		20571199

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		18006372929

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS MULTIMARKET INCOME TRUST
		CENTRAL INDEX KEY:			0000809173
		IRS NUMBER:				046562226
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1031

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-04975
		FILM NUMBER:		20571198

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		18006372929

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS HIGH YIELD MARKETS TRUST
		DATE OF NAME CHANGE:	19870204

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS HIGH YIELD MUNICIPAL TRUST
		CENTRAL INDEX KEY:			0000809844
		IRS NUMBER:				042950868
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1130

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-04992
		FILM NUMBER:		20571193

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		617-954-5000

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	COLONIAL MUNICIPAL INCOME TRUST
		DATE OF NAME CHANGE:	19920703

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS GOVERNMENT MARKETS INCOME TRUST
		CENTRAL INDEX KEY:			0000811922
		IRS NUMBER:				046565627
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1130

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-05078
		FILM NUMBER:		20571191

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		18006372929

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS SERIES TRUST VIII
		CENTRAL INDEX KEY:			0000819673
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1031

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-05262
		FILM NUMBER:		20571208

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02119
		BUSINESS PHONE:		18006372929

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02119

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS STRATEGIC INCOME FUND
		DATE OF NAME CHANGE:	19940910

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS INCOME & OPPORTUNITY FUND /
		DATE OF NAME CHANGE:	19931006

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS INCOME & OPPORTUNITY FUND
		DATE OF NAME CHANGE:	19930408

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS INTERMEDIATE INCOME TRUST
		CENTRAL INDEX KEY:			0000826735
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1031

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-05440
		FILM NUMBER:		20571196

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		18006372929

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS MULTI GOVERNMENT INTERMEDIATE TRUST
		DATE OF NAME CHANGE:	19880308

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	INTERNATIONAL GOVERNMENT INCOME TRUST
		DATE OF NAME CHANGE:	19880211

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS INTERMEDIATE HIGH INCOME FUND
		CENTRAL INDEX KEY:			0000833021
		IRS NUMBER:				046593681
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1130

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-05567
		FILM NUMBER:		20571195

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		6179545000

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	COLONIAL INTERMEDIATE HIGH INCOME FUND
		DATE OF NAME CHANGE:	19920703

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS HIGH INCOME MUNICIPAL TRUST
		CENTRAL INDEX KEY:			0000845606
		IRS NUMBER:				043039022
		FISCAL YEAR END:			1130

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-05754
		FILM NUMBER:		20571192

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		617-954-5000

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	COLONIAL HIGH INCOME MUNICIPAL TRUST
		DATE OF NAME CHANGE:	19920703

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS INVESTMENT GRADE MUNICIPAL TRUST
		CENTRAL INDEX KEY:			0000847411
		IRS NUMBER:				043046360
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1130

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-05785
		FILM NUMBER:		20571197

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		617-954-5000

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	COLONIAL INVESTMENT GRADE MUNICIPAL TRUST
		DATE OF NAME CHANGE:	19920703

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS CHARTER INCOME TRUST
		CENTRAL INDEX KEY:			0000851170
		IRS NUMBER:				043055815
		FISCAL YEAR END:			1130

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-05822
		FILM NUMBER:		20571190

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		18006372929

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS PRINCIPAL INCOME TRUST
		DATE OF NAME CHANGE:	19890906

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS SPECIAL VALUE TRUST
		CENTRAL INDEX KEY:			0000856128
		IRS NUMBER:				043063376
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1031

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-05912
		FILM NUMBER:		20571216

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		18006372929

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS SERIES TRUST VI
		CENTRAL INDEX KEY:			0000863032
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1031

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-06102
		FILM NUMBER:		20571206

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		18006372929

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS WORLDWIDE TOTAL RETURN FUND
		DATE OF NAME CHANGE:	19930408

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS WORLDWIDE TOTAL RETURN TRUST
		DATE OF NAME CHANGE:	19920703

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS INSTITUTIONAL TRUST
		CENTRAL INDEX KEY:			0000867969
		IRS NUMBER:				043158862
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			0630

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-06174
		FILM NUMBER:		20571194

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		18006372929

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	PUBLIC FUNDS INVESTMENT TRUST
		DATE OF NAME CHANGE:	19920609

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS SERIES TRUST XI
		CENTRAL INDEX KEY:			0000911637
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-07992
		FILM NUMBER:		20571210

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		18006372929

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS UNION STANDARD TRUST
		DATE OF NAME CHANGE:	19930907

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS VARIABLE INSURANCE TRUST
		CENTRAL INDEX KEY:			0000918571
		IRS NUMBER:				043226600
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-08326
		FILM NUMBER:		20571217

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		18006372929

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS VARIABLE INSURANCE TRUST III
		CENTRAL INDEX KEY:			0001065698
		IRS NUMBER:				000000000
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-08879
		FILM NUMBER:		20571219

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		617-954-5000

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	SUN CAPITAL ADVISERS TRUST
		DATE OF NAME CHANGE:	19980709

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS CALIFORNIA MUNICIPAL FUND
		CENTRAL INDEX KEY:			0001092896
		IRS NUMBER:				043483817
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1130

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-09537
		FILM NUMBER:		20571189

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		6179545000

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		STREET 2:		24TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS CALIFORNIA INSURED MUNICIPAL FUND
		DATE OF NAME CHANGE:	20070629

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	COLONIAL CALIFORNIA INSURED MUNICIPAL FUND
		DATE OF NAME CHANGE:	19990927

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	PREMIER CALIFORNIA MUNICIPAL INCOME FUND
		DATE OF NAME CHANGE:	19990809

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS SERIES TRUST XII
		CENTRAL INDEX KEY:			0001330967
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			0430

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-21780
		FILM NUMBER:		20571211

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		617-954-5000

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS Series Trust XII
		DATE OF NAME CHANGE:	20050622

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFS INSTITUTIONAL MONEY MARKET PORTFOLIO, A SERIES OF THE MFS SERIES TRUST XIV
		CENTRAL INDEX KEY:			0001392417
		IRS NUMBER:				208538605
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			0831

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-22033
		FILM NUMBER:		20571213

	BUSINESS ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199
		BUSINESS PHONE:		617-954-5000

	MAIL ADDRESS:	
		STREET 1:		111 HUNTINGTON AVENUE
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02199

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS Institutional Money Market Portfolio, a series of the MFS Series Trust XIV
		DATE OF NAME CHANGE:	20090313

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS Series Trust XIV
		DATE OF NAME CHANGE:	20070308
</SEC-HEADER>
<DOCUMENT>
<TYPE>40-17G
<SEQUENCE>1
<FILENAME>fidelity_bond_2020.htm
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: MFS
         Document created using EDGARfilings PROfile 6.3.0.0
         Copyright 1995 - 2020 Broadridge -->
  </head>
<body bgcolor="#ffffff" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000;">
  <div>
    <div style="text-align: center; margin-right: 14.4pt;"><img width="191" border="0" height="107" src="image0.jpg"></div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">111 Huntington Ave., Boston, Massachusetts 02199-7632</div>
    <div style="text-align: center; font-weight: bold;">Phone 617-954-5000</div>
    <div><br>
    </div>
    <div style="text-align: center;">January 29, 2020</div>
    <div><br>
    </div>
    <div style="font-weight: bold;"><u>VIA EDGAR</u></div>
    <div>United States Securities and Exchange Commission</div>
    <div>100 F Street, N.E.</div>
    <div>Washington, DC&#160; 20549</div>
    <div><br>
    </div>
    <div>Ladies and Gentlemen:</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">Pursuant to Rule 17g-1(g) under the Investment Company Act of 1940, as amended, enclosed herewith for filing are the following documents:</div>
    <div><br>
    </div>
    <div style="text-align: justify;">
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z27d5c11a009342a0bd21e4e7bac92ec0">

            <tr>
              <td style="width: 36pt;"><br>
              </td>
              <td style="width: 18pt; vertical-align: top; align: right;">1.</td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div>A copy of the resolution of the Board of Trustees approving the form and amount of the bonds:</div>
              </td>
            </tr>

        </table>
      </div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify;">
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z6bc6bccf907e49868d39e1addeeee760">

            <tr>
              <td style="width: 36pt;"><br>
              </td>
              <td style="width: 18pt; vertical-align: top; align: right;">a.</td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div>Certificate of Assistant Secretary for MFS Series Trust I, II, III, IV, V, VI, VII, VIII, IX, X, XI, XII, XIII, XIV, XV XVI, MFS Municipal Series Trust, MFS Variable Insurance Trust, MFS Variable Insurance Trust II, MFS Variable
                  Insurance Trust III, MFS Institutional Trust, Massachusetts Investors Trust, Massachusetts Investors Growth Stock Fund, MFS California Municipal Fund, MFS Charter Income Trust, MFS Government Markets Income Trust, MFS High Income
                  Municipal Trust, MFS High Yield Municipal Trust, MFS Intermediate High Income Fund, MFS Intermediate Income Trust, MFS Investment Grade Municipal Trust, MFS Multimarket Income Trust, MFS Municipal Income Trust, and MFS Special Value
                  Trust, dated;</div>
              </td>
            </tr>

        </table>
      </div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify;">
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z5ad13bdc5ad0446a9f78b8ebf79a47be">

            <tr>
              <td style="width: 36pt;"><br>
              </td>
              <td style="width: 18pt; vertical-align: top; align: right;">2.</td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div>Fidelity Bond Claim Agreement, dated November 1, 1993, as amended and restated June 12, 2002, as amended and restated June 12, 2002, as amended and restated March 1, 2008, (including Exhibit A, as of September 30, 2017), between the
                  investment company and all other parties to the joint insured bonds entered into pursuant to paragraph (f) of the Rule; and</div>
              </td>
            </tr>

        </table>
      </div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify;">
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z3e0c084aaff34cb4aded6b8adfbf91a9">

            <tr>
              <td style="width: 36pt;"><br>
              </td>
              <td style="width: 18pt; vertical-align: top; align: right;">3.</td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div>Copies of the executed bonds:</div>
              </td>
            </tr>

        </table>
      </div>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z379323d39f7445b8815ded928ef80e47">

          <tr>
            <td style="width: 72pt; vertical-align: top; align: right;">
              <div style="margin-left: 54pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">Federal Insurance Company &#8211; Bond No. &#8211; 81391896 - Declarations</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="za2a8ac6b3ba140dfae97682c91362cc3">

          <tr>
            <td style="width: 72pt; vertical-align: top; align: right;">
              <div style="margin-left: 54pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">Federal Insurance Company &#8211; Bond No.&#8211; 81391896 - Endorsement No. 1</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z5f1a87a2cb2a4465a1b9d81f691d5d5c">

          <tr>
            <td style="width: 72pt; vertical-align: top; align: right;">
              <div style="margin-left: 54pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">Federal Insurance Company &#8211; Bond No.&#8211; 81391896 - Endorsement No. 2</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
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              <div style="text-align: justify;">Federal Insurance Company &#8211; Bond No.&#8211; 81391896 - Endorsement No. 3</div>
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              <div style="text-align: justify;">Federal Insurance Company &#8211; Bond No.&#8211; 81391896 - Endorsement No. 4</div>
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              <div style="text-align: justify;">Federal Insurance Company &#8211; Bond No.&#8211; 81391896 - Endorsement No. 10</div>
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    <div style="text-align: justify; text-indent: -54pt; margin-right: 36pt; margin-left: 54pt;"> <br>
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    <div style="text-align: justify; text-indent: -54pt; margin-right: 36pt; margin-left: 54pt;">United States Securities and Exchange Commission</div>
    <div style="text-align: justify; text-indent: -54pt; margin-right: 36pt; margin-left: 54pt;">January 29, 2020</div>
    <div style="text-align: justify; text-indent: -54pt; margin-right: 36pt; margin-left: 54pt;">Page 2</div>
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              <div style="text-align: justify;">Federal Insurance Company &#8211; Bond No.&#8211; 81391896 - Endorsement No. 11</div>
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              <div style="text-align: justify;">Federal Insurance Company &#8211; Bond No.&#8211; 81391896 - Endorsement No. 12</div>
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              <div style="text-align: justify;">Federal Insurance Company &#8211; Bond No.&#8211; 81391896 - Endorsement No. 13</div>
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              <div style="text-align: justify;">Federal Insurance Company &#8211; Bond No.&#8211; 81391896 - Endorsement No. 14</div>
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              <div style="text-align: justify;">Federal Insurance Company &#8211; Bond No.&#8211; 81391896 - Endorsement No. 15</div>
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              <div style="text-align: justify;">Federal Insurance Company &#8211; Bond No.&#8211; 81391896 - Endorsement No. 16</div>
            </td>
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              <div style="text-align: justify;">Federal Insurance Company &#8211; Bond No.&#8211; 81391896 - Endorsement No. 17</div>
            </td>
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              <div style="text-align: justify;">Federal Insurance Company &#8211; Bond No.&#8211; 81391896 - Endorsement No. 18</div>
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              <div style="text-align: justify;">Federal Insurance Company &#8211; Bond No.&#8211; 81391896 - Endorsement No. 19</div>
            </td>
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              <div style="text-align: justify;">Federal Insurance Company &#8211; Bond No.&#8211; 81391896 - Endorsement No. 20</div>
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              <div style="text-align: justify;">Federal Insurance Company &#8211; Bond No.&#8211; 81391896 - Endorsement No. 21</div>
            </td>
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              <div style="text-align: justify;">Federal Insurance Company &#8211; Bond No.&#8211; 81391896 - Endorsement No. 22</div>
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              <div style="text-align: justify;">Federal Insurance Company &#8211; Bond No.&#8211; 81391896 - Endorsement No. 23</div>
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    <div><br>
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    <div style="text-align: justify; text-indent: 36pt;">Had each of the Funds listed below on Attachment A not been named as an insured under the joint insured bonds in effect, it is estimated that each Fund would have been required to maintain coverage
      under the Rule as set forth on Attachment A.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">The premium on the above-mentioned bonds has been paid from November 1, 2019 to November 1, 2020.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 288pt;">Very truly yours,</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 288pt;">Christopher R. Bohane</div>
    <div><br>
    </div>
    <div style="text-indent: 288pt;">Assistant Secretary and Assistant Clerk</div>
    <div style="text-align: justify;">CRB/mao</div>
    <div style="text-align: justify;">Attachments</div>
    <div><br>
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  <br>
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        <td style="width: 22.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="text-align: center; font-weight: bold;">Fidelity Bond Coverage Required</div>
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        <td style="width: 77.64%; vertical-align: top; background-color: rgb(150, 150, 150);">
          <div style="font-weight: bold;">MFS SERIES TRUST I</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">
          <div style="text-align: right;">2,500,000</div>
        </td>
      </tr>
      <tr>
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          <div>&#160;MFS Value Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
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          <div>&#160;MFS Low Volatility Global Equity Fund</div>
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        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
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      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Low Volatility Equity Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
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        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS U.S. Government Cash Reserve Fund</div>
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        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
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      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS New Discovery Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
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      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Core Equity Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
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        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Research International Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
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        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Technology Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
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        <td style="width: 77.64%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td style="width: 22.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
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      <tr>
        <td style="width: 77.64%; vertical-align: top; background-color: rgb(150, 150, 150);">
          <div style="font-weight: bold;">MFS SERIES TRUST II</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">
          <div style="text-align: right;">2,500,000</div>
        </td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Growth Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
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        <td style="width: 77.64%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td style="width: 22.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
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      <tr>
        <td style="width: 77.64%; vertical-align: top; background-color: rgb(150, 150, 150);">
          <div style="font-weight: bold;">MFS SERIES TRUST III</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">
          <div style="text-align: right;">2,500,000</div>
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      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Global High Yield Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS High Yield Pooled Portfolio</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
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      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS High Income Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Municipal High Income Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td style="width: 22.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; background-color: rgb(150, 150, 150);">
          <div style="font-weight: bold;">MFS SERIES TRUST IV</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">
          <div style="text-align: right;">2,500,000</div>
        </td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Blended Research Emerging Markets Equity Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Blended Research Global Equity Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Blended Research International Equity Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Global New Discovery Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS U.S. Government Money Market Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Mid Cap Growth Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td style="width: 22.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; background-color: rgb(150, 150, 150);">
          <div style="font-weight: bold;">MFS SERIES TRUST V</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">
          <div style="text-align: right;">2,500,000</div>
        </td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Research Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS International New Discovery Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Total Return Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td style="width: 22.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; background-color: rgb(150, 150, 150);">
          <div style="font-weight: bold;">MFS SERIES TRUST VI</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">
          <div style="text-align: right;">2,500,000</div>
        </td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Utilities Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Global Equity Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Global Total Return Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td style="width: 22.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; background-color: rgb(150, 150, 150);">
          <div style="font-weight: bold;">MFS SERIES TRUST VII</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">
          <div style="text-align: right;">600,000</div>
        </td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Equity Income Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td style="width: 22.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; background-color: rgb(150, 150, 150);">
          <div style="font-weight: bold;">MFS SERIES TRUST VIII</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">
          <div style="text-align: right;">1,000,000</div>
        </td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Strategic Income Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Global Growth Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td style="width: 22.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; background-color: rgb(150, 150, 150);">
          <div style="font-weight: bold;">MFS SERIES TRUST IX</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">
          <div style="text-align: right;">2,500,000</div>
        </td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Inflation-Adjusted Bond Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Corporate Bond Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Limited Maturity Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Municipal Limited Maturity Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Total Return Bond Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td style="width: 22.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; background-color: rgb(150, 150, 150);">
          <div style="font-weight: bold;">MFS SERIES TRUST X</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">
          <div style="text-align: right;">2,500,000</div>
        </td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Aggressive Growth Allocation Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Blended Research Mid Cap Equity Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Blended Research Small Cap Equity Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Blended Research Value Equity Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Blended Research Growth Equity Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Conservative Allocation Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Emerging Markets Debt Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Emerging Markets Debt Local Currency Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Emerging Markets Equity Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS International Growth Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS International Intrinsic Value Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Global Bond Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Growth Allocation Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS International Diversification Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Managed Wealth Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Moderate Allocation Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td style="width: 22.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; background-color: rgb(150, 150, 150);">
          <div style="font-weight: bold;">MFS SERIES TRUST XI</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">
          <div style="text-align: right;">2,500,000</div>
        </td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Mid Cap Value Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Blended Research Core Equity Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td style="width: 22.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; background-color: rgb(150, 150, 150);">
          <div style="font-weight: bold;">MFS SERIES TRUST XII</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">
          <div style="text-align: right;">2,100,000</div>
        </td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Lifetime 2025 Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Lifetime 2035 Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Lifetime 2045 Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Lifetime 2055 Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Lifetime Income Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Lifetime 2020 Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Lifetime 2030 Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Lifetime 2040 Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Lifetime 2050 Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Lifetime 2060 Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Equity Opportunities Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td style="width: 22.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; background-color: rgb(150, 150, 150);">
          <div style="font-weight: bold;">MFS SERIES TRUST XIII</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">
          <div style="text-align: right;">2,500,000</div>
        </td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Diversified Income Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Global Real Estate Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Government Securities Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS New Discovery Value Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td style="width: 22.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; background-color: rgb(150, 150, 150);">
          <div style="font-weight: bold;">MFS SERIES TRUST XIV</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">
          <div style="text-align: right;">2,500,000</div>
        </td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Institutional Money Market Portfolio</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td style="width: 22.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; background-color: rgb(150, 150, 150);">
          <div style="font-weight: bold;">MFS SERIES TRUST XV</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">
          <div style="text-align: right;">1,000,000</div>
        </td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Commodity Strategy Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Global Alternative Strategy Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td style="width: 22.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; background-color: rgb(150, 150, 150);">
          <div style="font-weight: bold;">MFS SERIES TRUST XVI</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">
          <div style="text-align: right;">225,000</div>
        </td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Prudent Investor Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td style="width: 22.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; background-color: rgb(150, 150, 150);">
          <div style="font-weight: bold;">STAND-ALONE FUNDS</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">
          <div style="text-align: right;">2,500,000</div>
        </td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;Massachusetts Investors Growth Stock Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;Massachusetts Investors Trust</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td style="width: 22.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; background-color: rgb(150, 150, 150);">
          <div style="font-weight: bold;">CLOSED-END FUNDS</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">
          <div style="text-align: right;">1,900,000</div>
        </td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS California Municipal Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Intermediate High Income Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS High Yield Municipal Trust</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS High Income Municipal Trust</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Investment Grade Municipal Trust</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Charter Income Trust</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Municipal Income Trust</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Special Value Trust</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Government Markets Income Trust</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Intermediate Income Trust</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Multimarket Income Trust</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td style="width: 22.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; background-color: rgb(150, 150, 150);">
          <div style="font-weight: bold;">MFS MUNICIPAL SERIES TRUST</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">
          <div style="text-align: right;">2,500,000</div>
        </td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Alabama Municipal Bond Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Arkansas Municipal Bond Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS California Municipal Bond Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Georgia Municipal Bond Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Massachusetts Municipal Bond Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Maryland Municipal Bond Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Municipal Income Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Mississippi Municipal Bond Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS North Carolina Municipal Bond Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS New York Municipal Bond Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Pennsylvania Municipal Bond Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS South Carolina Municipal Bond Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Tennessee Municipal Bond Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Virginia Municipal Bond Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS West Virginia Municipal Bond Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td style="width: 22.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; background-color: rgb(150, 150, 150);">
          <div style="font-weight: bold;">MFS INSTITUTIONAL TRUST</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">
          <div style="text-align: right;">2,500,000</div>
        </td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Institutional International Equity Fund</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td style="width: 22.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; background-color: rgb(150, 150, 150);">
          <div style="font-weight: bold;">MFS VARIABLE INSURANCE TRUST</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">
          <div style="text-align: right;">2,500,000</div>
        </td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Variable Insurance Trust - MFS Growth Series</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Variable Insurance Trust - MFS Total Return Bond Series</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Variable Insurance Trust - MFS Research Series</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Variable Insurance Trust - MFS Global Equity Series</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Variable Insurance Trust - MFS Investors Trust Series</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Variable Insurance Trust - MFS Value Series</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Variable Insurance Trust - MFS Mid Cap Growth Series</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Variable Insurance Trust - MFS New Discovery Series</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Variable Insurance Trust - MFS Total Return Series</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS Variable Insurance Trust - MFS Utilities Series</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td style="width: 22.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; background-color: rgb(150, 150, 150);">
          <div style="font-weight: bold;">MFS Variable Insurance Trust II:</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">
          <div style="text-align: right;">2,500,000</div>
        </td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS VIT II - MFS Corporate Bond Portfolio</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS VIT II - MFS Blended Research Core Equity Portfolio</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS VIT II - MFS Emerging Markets Equity Portfolio</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS VIT II - MFS International Intrinsic Value Portfolio</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS VIT II - MFS International Growth Portfolio</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS VIT II - MFS Government Securities Portfolio</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS VIT II - MFS High Yield Portfolio</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 100%; vertical-align: top;" colspan="2">
          <div>&#160;MFS VIT II - MFS Massachusetts Investors Growth Stock Portfolio</div>
        </td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS VIT II - MFS U.S. Government Money Market Portfolio</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS VIT II - MFS Global Research Portfolio</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS VIT II - MFS Core Equity Portfolio</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS VIT II - MFS Research International Portfolio</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS VIT II - MFS Strategic Income Portfolio</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS VIT II - MFS Technology Portfolio</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS VIT II - MFS Global Growth Portfolio</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS VIT II - MFS Global Governments Portfolio</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS VIT II - MFS Global Tactical Allocation Portfolio</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; padding-bottom: 2px; border-bottom: 2px solid rgb(0, 0, 0);"><br>
        </td>
        <td style="width: 22.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"><br>
        </td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top; background-color: rgb(150, 150, 150);">
          <div style="font-weight: bold;">MFS Variable Insurance Trust III:</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">
          <div style="text-align: right;">2,300,000</div>
        </td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS VIT III - MFS Conservative Allocation Portfolio</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS VIT III - MFS New Discovery Value Portfolio</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS VIT III - MFS Growth Allocation Portfolio</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS VIT III - MFS Inflation-Adjusted Bond Portfolio</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS VIT III - MFS Limited Maturity Portfolio</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS VIT III - MFS Moderate Allocation Portfolio</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS VIT III - MFS Mid Cap Value Portfolio</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS VIT III - MFS Global Real Estate Portfolio</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 77.64%; vertical-align: top;">
          <div>&#160;MFS VIT III - MFS Blended Research Small Cap Equity Portfolio</div>
        </td>
        <td style="width: 22.36%; vertical-align: top;">&#160;</td>
      </tr>

  </table>
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  </div>
  <div>
    <div style="text-align: center; font-size: 12pt;"><u>CERTIFICATE OF ASSISTANT SECRETARY</u></div>
    <div><br>
    </div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="z3062a23ae1694608afa4588366af5ba9">

        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS Series Trust I</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS Series Trust II</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS Series Trust III</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS Series Trust IV</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS Series Trust V</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS Series Trust VI</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS Series Trust VII</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS Series Trust VIII</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS Series Trust IX</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS Series Trust X</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS Series Trust XI</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS Series Trust XII</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS Series Trust XIII</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS Series Trust XIV</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS Series Trust XV</div>
            <div style="text-align: center; font-weight: bold;">MFS Series Trust XVI</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS Municipal Series Trust</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS Variable Insurance Trust</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS Variable Insurance Trust II</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS Variable Insurance Trust III</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS Institutional Trust</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">Massachusetts Investors Trust</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">Massachusetts Investors Growth Stock Fund</div>
            <div style="text-align: center; font-weight: bold;">MFS California Municipal Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS Charter Income Trust</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS Government Markets Income Trust</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS High Income Municipal Trust</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS High Yield Municipal Trust</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS Intermediate High Income Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS Intermediate Income Trust</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS Investment Grade Municipal Trust</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS Multimarket Income Trust</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS Municipal Income Trust</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">MFS Special Value Trust</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; font-size: 12pt;">The undersigned, being the Assistant Secretary of the above-mentioned Trusts, (collectively, the &#8220;Trusts&#8221;), hereby certifies that the following is a complete, true and correct copy of the vote adopted
      by the Trustees of the Trusts on June 11, 2019, and that such vote has not been altered, amended or rescinded and is in full force and effect as of the date hereof.</div>
    <div><br>
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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    </div>
    <div>
      <div style="text-align: justify; font-size: 12pt;"><font style="font-weight: bold;">[ALL]</font>&#160; Upon motion duly made and seconded, it was by all of the Independent Trustees voting together and then all of the Trustees present</div>
      <div><br>
      </div>
      <div style="text-align: justify;">
        <div>
          <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="za1911f0eee154b3997753e986183e880">

              <tr>
                <td style="width: 72pt; vertical-align: top; align: right; font-size: 12pt;">VOTED:</td>
                <td style="width: auto; vertical-align: top; text-align: justify;">
                  <div style="font-size: 12pt;">That it is the finding of the Trustees that the fidelity bonds written by ICI Mutual Insurance Company (ICI Mutual), and Federal Insurance Company (Chubb), (collectively, the "Bond") in the aggregate amount
                    of $58 million (the &#8220;Coverage Amount&#8221;), on the terms and conditions presented at this meeting and covering, among others, Trustees, officers and employees of the Trust, 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, are reasonable in form and amount, after having given due consideration to, among other things, the value of the aggregate
                    assets of the Trust to which any person covered under the Bond may have access, the type and terms of the arrangements made for the custody and safekeeping of assets of the Trust, the nature of the Trust's securities, the number of
                    other parties named as insured parties under the Bond and the nature of the business activities of the other parties;</div>
                </td>
              </tr>

          </table>
        </div>
      </div>
      <div><br>
      </div>
      <div style="margin-right: 72pt; font-size: 12pt;">FURTHER</div>
      <div style="text-align: justify;">
        <div>
          <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zde107bf59e5b492ba4286288a966b6ea">

              <tr>
                <td style="width: 72pt; vertical-align: top; align: right; font-size: 12pt;">VOTED:</td>
                <td style="width: auto; vertical-align: top; text-align: justify;">
                  <div style="font-size: 12pt;">That after having given due consideration to, among other things, the number of other parties insured under the Bond, the nature of business activities of those other parties, the amount of the Bond, the
                    amount of the premium and the ratable allocation of the premium and service fee among all parties named as insureds, that the premium on the Bond and service fee be, and it hereby is, allocated among the insured parties in the
                    proportion that the higher of their minimum required or assigned coverage bears to the Coverage Amount;</div>
                </td>
              </tr>

          </table>
        </div>
      </div>
      <div><br>
      </div>
      <div style="margin-right: 72pt; font-size: 12pt;">FURTHER</div>
      <div style="text-align: justify;">
        <div>
          <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zf56b2c3ce52d49f592672c1f34f318f5">

              <tr>
                <td style="width: 72pt; vertical-align: top; align: right; font-size: 12pt;">VOTED:</td>
                <td style="width: auto; vertical-align: top; text-align: justify;">
                  <div style="font-size: 12pt;">That the officers of the Trust be, and each of them hereby is, authorized and directed to enter into an agreement, as required by paragraph (f) of Rule 17g-1 promulgated by the Securities and Exchange
                    Commission under the Investment Company Act of 1940, as amended, with the other named insureds under said Bond providing that in the event any recovery is received under the Bond as a result of a loss sustained by the Trust and also by
                    one or more of the other named insureds, the Trust shall receive an equitable and proportionate share of the recovery, but at least equal to the amount it would have received had it provided and maintained a single insured bond with the
                    minimum coverage required by paragraph (d)(1) of Rule 17g-1 promulgated by the Securities and Exchange Commission under the Investment Company Act of 1940, as amended;</div>
                </td>
              </tr>

          </table>
        </div>
      </div>
    </div>
  </div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div id="DSPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
  </div>
  <div>
    <div style="margin-right: 72pt; font-size: 12pt;">FURTHER</div>
    <div>
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z2b3f770edd014145b9b4eff88449dbde">

            <tr>
              <td style="width: 72pt; vertical-align: top; align: right; font-size: 12pt;">VOTED:</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;">That the Bond be, and it hereby is, approved on the terms presented at this meeting;</div>
              </td>
            </tr>

        </table>
      </div>
    </div>
    <div><br>
    </div>
    <div style="margin-right: 72pt; font-size: 12pt;">FURTHER</div>
    <div style="text-align: justify;">
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb19c011de1ed45dc98b1226df8ac7ae2">

            <tr>
              <td style="width: 72pt; vertical-align: top; align: right; font-size: 12pt;">VOTED:</td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div style="font-size: 12pt;">That the appropriate officers of the Trust be, and they hereby are, authorized and directed to prepare, execute, and file such amendments and supplements to the aforesaid agreement, and to take such other
                  action as may be necessary or appropriate in order to conform to the provisions of the Investment Company Act of 1940, as amended, and the rules and regulations thereunder; and</div>
              </td>
            </tr>

        </table>
      </div>
    </div>
    <div><br>
    </div>
    <div style="margin-right: 72pt; font-size: 12pt;">FURTHER</div>
    <div style="text-align: justify;">
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z1ee57a771b544149888b065e5927cd3f">

            <tr>
              <td style="width: 72pt; vertical-align: top; align: right; font-size: 12pt;">VOTED:</td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div style="font-size: 12pt;">That the Secretary or any Assistant Secretary of the Trust shall file the Bond with the Securities and Exchange Commission and give notices required under paragraph (g) of Rule 17g-1 promulgated by the
                  Securities and Exchange Commission under the Investment Company Act of 1940, as amended.</div>
              </td>
            </tr>

        </table>
      </div>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify;">IN WITNESS WHEREOF, I have hereunder set my hand this 3<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">rd</sup> day of February 2020.</div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div style="text-indent: 234pt;"><u>CHRISTOPHER R. BOHANE</u><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 234pt" id="TRGRRTFtoHTMLTab"></font></div>
    <div style="text-indent: 234pt;">Christopher R. Bohane</div>
    <div style="text-indent: 234pt;">Assistant Secretary</div>
    <div><br>
    </div>
    <div>Date:&#160; February 3, 2020</div>
    <div><br>
    </div>
    <div>Commonwealth of Massachusetts<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 234pt" id="TRGRRTFtoHTMLTab">&#160;</font>)</div>
    <div style="text-indent: 234pt;">)<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 18pt" id="TRGRRTFtoHTMLTab">&#160;</font>ss.</div>
    <div>County of Suffolk<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 234pt" id="TRGRRTFtoHTMLTab">&#160;</font>)</div>
  </div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div id="DSPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
  </div>
  <div>
    <div style="text-align: justify;">On this 3<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">rd</sup> day of February 2020, before me, Caitlin Rung, the undersigned Notary Public, personally appeared Christopher R. Bohane, who is personally known to me to be the person whose name is signed above,
      and acknowledged to me that he signed it voluntarily for its stated purpose as Assistant Secretary for the MFS Funds.</div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div><u>CAITLIN RUNG</u></div>
    <div>Caitlin Rung</div>
    <div>Notary Public</div>
    <div>Commonwealth of Massachusetts</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="z09a1975a23584610ad25bddfc2919fbd">

        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div>My commission expires:&#160; August 23, 2024</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div>
      <div style="text-align: center; font-size: 12pt; font-weight: bold;">FIDELITY BOND CLAIM AGREEMENT</div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;">THIS MASTER FIDELITY BOND CLAIM AGREEMENT dated November 1, 1993, as amended and restated June 12, 2002, as amended and restated March 1, 2008, by and among (i) each of the funds
        listed from time to time in <u>Exhibit A</u> (collectively, the &#8220;Funds&#8221; or &#8220;Fund Parties&#8221;) and (ii)&#160;Massachusetts Financial Services Company (&#8220;MFS&#8221;), MFS Service Center, Inc. (&#8220;MFSC&#8221;), MFS Fund Distributors, Inc. (&#8220;MFD&#8221;), MFS Heritage Trust
        Company, MFS Institutional Advisors, Inc., and MFS International Ltd., (collectively, the &#8220;MFS Parties&#8221;).</div>
      <div><br>
      </div>
      <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;">WHEREAS, MFS or certain other MFS Parties act as investment adviser to all of the Funds and certain other clients, MFD acts as distributor for certain of the Funds and MFSC acts as
        the transfer and shareholder servicing agent for certain of the Funds; and from time to time hereafter each may act in the same capacities with respect to other clients including other investment companies;</div>
      <div><br>
      </div>
      <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;">WHEREAS, all the parties hereto are named insureds under broker&#8217;s blanket bonds issued by each of the insurance companies listed from time to time in <u>Exhibit B</u>, and/or such
        other insurance companies as from time to time may insure parties hereto as such bonds may be amended and/or restated from time to time (collectively the &#8220;Bonds&#8221;);</div>
      <div><br>
      </div>
      <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;">WHEREAS, the parties desire to establish (i) the criteria by which the premium for the Bonds shall be allocated among the parties, (ii) the basis on which additional investment
        companies for which MFS, or any subsidiary thereof, may hereafter act as investment adviser and/or for which MFD may act as distributor, and additional affiliates of MFS may from time to time be added as named insureds under the Bonds and (iii) the
        criteria by which losses in excess of the face amounts of the Bonds shall be allocated among the parties.</div>
      <div><br>
      </div>
      <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;">NOW THEREFORE, it is agreed as follows:</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;"><font style="font-size: 12pt;">1.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt;">Each of the Funds shall pay a
          portion of each premium which shall be determined as of a specified date (the &#8220;Date&#8221;) which is the same date for all Fund Parties by calculating the proportion which the minimum amount of fidelity bond coverage required for such Fund (calculated
          in accordance with Rule 17g-1 under the Investment Company Act of 1940, as amended, (&#8220;Rule 17g-1&#8221;)) bears to the total amount of coverage provided for under the Bonds and applying said proportion to the total annual premium.&#160; The amount remaining
          after calculating the portions of the premium to be paid by the Funds shall be paid by MFS or such MFS Parties as MFS shall determine.</font></div>
    </div>
  </div>
  <div><br>
  </div>
  <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div id="DSPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
  </div>
  <div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt;">2.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt;">If one or more of the insurance
        companies listed in Exhibit B (or such other insurers as from time to time may insure the parties hereto) are willing without additional premium until the next renewal date to add, as an insured under any of the Bonds, (i) any investment company
        permitted to be included on the Bonds pursuant to Rule 17g-1 for which MFS (or any subsidiary thereof) may act as investment adviser and/or for which MFD may act as distributor, or (ii) any affiliate of MFS permitted to be included on the Bonds
        pursuant to Rule 17g-1, the parties hereto agree (a) that such addition may be made, (b) that such investment company shall become a party to this Agreement and be included within the terms &#8220;Funds&#8221; and &#8220;Fund Parties&#8221; and (c) that such affiliate
        shall become a party to this Agreement and be included within the term &#8220;MFS Parties.&#8221;</font></div>
    <div><br>
    </div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt;">3.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt;">In the event that the claims of loss
        of two or more insureds under the Bonds are so related that the insurer is entitled to assert that the claims must be aggregated with the result that the claims exceed the face amount of the Bonds but the total amount payable on such claims is
        limited to the face amount of the Bonds, the following rules for determining, as among such insureds, the priority of satisfaction of the claims under the Bonds shall apply:</font></div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z0918fc9bead641fdbe477c3024d948e2">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="margin-left: 72pt; font-size: 12pt;">A.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; text-indent: 72pt; font-size: 12pt;">All claims of Funds which have been duly proved and established under the Bonds shall be satisfied in full before satisfaction of any claims of MFS or other MFS Parties, if
                any.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="ze7680de1c671472eaae9f471fcb1a425">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="margin-left: 72pt; font-size: 12pt;">B.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; text-indent: 72pt; font-size: 12pt;">If the claims of Funds which have been duly proved and established under the Bonds exceed the face amount of the Bonds, the insurance proceeds shall be applied to those
                claims in the following manner:</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb570bd52861d4d719bb14432a720872b">

          <tr>
            <td style="width: 108pt; vertical-align: top; align: right;">
              <div style="margin-left: 72pt; font-size: 12pt;">(i)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; font-size: 12pt;">first, the insurance proceeds shall be applied to the claim of each Fund up to its respective minimum fidelity bond requirement as determined pursuant to paragraph one above with respect to
                the Funds; and</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb174526029d045688e063df8490d425f">

          <tr>
            <td style="width: 108pt; vertical-align: top; align: right;">
              <div style="margin-left: 72pt; font-size: 12pt;">(ii)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; font-size: 12pt;">the remaining amount of insurance proceeds then shall be applied to the unsatisfied claims of the Funds in proportion to their respective minimum fidelity bond requirements as determined
                pursuant to paragraph one above with respect to the Funds.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z54ec9b3a6e3a41ad80021909177bfd54">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="margin-left: 72pt; font-size: 12pt;">C.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; text-indent: 72pt; font-size: 12pt;">If after giving effect to Paragraph A there remains a portion of the insurance under the Bonds available for the satisfaction of claims of MFS or other MFS Parties, if any,
                which have been duly proved and established under the Bonds, such remainder shall be applied as MFS shall determine.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt;">4.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt;">This Agreement
        hereby supercedes all prior or contemporaneous agreements among the parties hereto (or any two or more of them) (which other agreements may include other parties) relating to the subject matter hereof.</font></div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt;">5.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt;">The Agreement
        shall be governed by and construed in accordance with the laws of The Commonwealth of Massachusetts.</font></div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt;">6.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt;"><u>Exhibit A</u>
        hereto may be amended from time to time to reflect the changes in the funds insured under the Bonds.</font></div>
  </div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div id="DSPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
  </div>
  <div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt;">7.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt;"><u>Exhibit B</u>
        hereto may be amended from time to time to reflect the changes in the insurance companies issuing the Bonds.</font></div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt;">8.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt;">A copy of the
        Declaration of Trust of each Fund is on file with the Secretary of State of The Commonwealth of Massachusetts.&#160; Each party hereto acknowledges that the obligations of or arising out of this Agreement are not binding upon any of the Fund&#8217;s Trustees,
        officers, employees, agents or shareholders individually, but are binding solely upon the assets and property of the Fund.&#160; If this Agreement is executed by the Fund on behalf of one or more series of the Fund, each party hereto further
        acknowledges that the assets and liabilities of each series are separate and distinct and that the obligations of or arising out of this Agreement concerning a series are binding solely upon the assets or property of such series and not upon the
        assets or property of any other series.</font></div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt;">9.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 12pt;">This Agreement
        may be amended or modified only with the prior written consent of the parties hereto.</font></div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;">IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed and delivered in their names and on their behalf by the undersigned officers, thereunto duly
      authorized, all as of the first day of March 2008.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-size: 12pt;">MASSACHUSETTS FINANCIAL SERVICES COMPANY</div>
    <div style="text-align: justify; font-size: 12pt;">MFS SERVICE CENTER, INC.</div>
    <div style="text-align: justify; font-size: 12pt;">MFS FUND DISTRIBUTORS, INC.</div>
    <div style="text-align: justify; font-size: 12pt;">MFS INSTITUTIONAL ADVISORS, INC.</div>
    <div style="text-align: justify; font-size: 12pt;">MFS INTERNATIONAL LTD.</div>
    <div><br>
    </div>
    <div style="text-align: justify;"><font style="font-size: 12pt;">By:&#160;&#160;&#160;&#160;&#160; MARK N. POLEBAUM</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 216pt" id="TRGRRTFtoHTMLTab"><br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;">Mark N. Polebaum</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;">Secretary</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-size: 12pt;">MFS HERITAGE TRUST COMPANY</div>
    <div><br>
    </div>
    <div style="text-align: justify;"><font style="font-size: 12pt;">By:&#160;&#160;&#160;&#160;&#160; MARIA F. DIORIODWYER</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 216pt" id="TRGRRTFtoHTMLTab">D<br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;">Maria F. DiOrioDwyer</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;">Chairman</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-size: 12pt;">On Behalf of the Funds Listed From Time to Time</div>
    <div style="text-align: justify; font-size: 12pt;">On Exhibit A Hereto:</div>
    <div><br>
    </div>
    <div style="text-align: justify;"><font style="font-size: 12pt;">By:&#160;&#160;&#160;&#160;&#160; SUSAN S. NEWTON</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 216pt" id="TRGRRTFtoHTMLTab"><br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;">Susan S. Newton</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;">Assistant Secretary or Assistant Clerk</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div>
      <div style="text-align: right; text-indent: 36pt; font-size: 12pt;">FIDELITY BOND CLAIM AGREEMENT</div>
      <div style="text-align: right; font-size: 12pt; font-weight: bold;"><u>EXHIBIT A</u></div>
      <div style="text-align: right; margin-left: 36pt; font-size: 12pt;">As of October 1, 2019</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="z0555b037299c4dc0ba2fc2bf6f2e0e8b">

          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #C0C0C0; border-bottom: 2px solid black;">
              <div style="font-weight: bold;">MFS FUNDS BOARD PRODUCTS:</div>
              <div>&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #C0C0C0;">
              <div style="font-weight: bold;">MFS SERIES TRUST I</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div>&#160;&#160;MFS Core Equity Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Low Volatility Global Equity Fund</div>
              <div>&#160;&#160;MFS Low Volatility Equity Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS New Discovery Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Research International Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Technology Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS U.S. Government Cash Reserve Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Value Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #C0C0C0;">
              <div style="font-weight: bold;">MFS SERIES TRUST II</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Growth Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #C0C0C0;">
              <div style="font-weight: bold;">MFS SERIES TRUST III</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Global High Yield Fund</div>
              <div>&#160;&#160;MFS High Income Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS High Yield Pooled Portfolio</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Municipal High Income Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #C0C0C0;">
              <div style="font-weight: bold;">MFS SERIES TRUST IV</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div style="margin-left: 4.5pt;">MFS Blended Research Emerging Markets Equity Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div style="margin-left: 4.5pt;">MFS Blended Research Global Equity Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div style="margin-left: 4.5pt;">MFS Blended Research International Equity Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div style="margin-left: 4.5pt;">MFS Global New Discovery Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Mid Cap Growth Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS U.S. Government Money Market Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #C0C0C0;">
              <div style="font-weight: bold;">MFS SERIES TRUST V</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Research Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Total Return Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS International New Discovery Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #C0C0C0;">
              <div style="font-weight: bold;">MFS SERIES TRUST VI</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Global Equity Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div>&#160;&#160;MFS Global Total Return Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Utilities Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #C0C0C0;">
              <div style="font-weight: bold;">MFS SERIES TRUST VII</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div style="text-indent: 4.5pt;">MFS Equity Income Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #C0C0C0;">
              <div style="font-weight: bold;">MFS SERIES TRUST VIII</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Global Growth Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Strategic Income Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">&#160;</td>
          </tr>

      </table>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="z53d21ddf6a9845c984929bf03020f6bc">

          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #C0C0C0;">
              <div style="font-weight: bold;">MFS SERIES TRUST IX</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Corporate Bond Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Inflation-Adjusted Bond Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Limited Maturity Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Municipal Limited Maturity Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Total Return Bond Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #C0C0C0;">
              <div style="font-weight: bold;">MFS SERIES TRUST X</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Aggressive Growth Allocation Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div style="text-indent: 4.5pt;">MFS Blended Research Growth Equity Fund</div>
              <div style="text-indent: 4.5pt;">MFS Blended Research Mid Cap Equity Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div style="text-indent: 4.5pt;">MFS Blended Research Small Cap Equity Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div style="text-indent: 4.5pt;">MFS Blended Research Value Equity Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Conservative Allocation Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div>&#160;&#160;MFS Emerging Markets Debt Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div>&#160;&#160;MFS Emerging Markets Debt Local Currency Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div>&#160;&#160;MFS Emerging Markets Equity Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div style="text-indent: 4.5pt;">MFS Global Bond Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Growth Allocation Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div>&#160;&#160;MFS International Diversification Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div>&#160;&#160;MFS International Growth Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div>&#160;&#160;MFS International Intrinsic Value Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div>&#160;&#160;MFS Managed Wealth Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Moderate Allocation Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #C0C0C0;">
              <div style="font-weight: bold;">MFS SERIES TRUST XI</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div>&#160;&#160;MFS Blended Research Core Equity Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Mid Cap Value Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #C0C0C0;">
              <div style="font-weight: bold;">MFS SERIES TRUST XII</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div style="text-indent: 4.5pt;">MFS Lifetime Income Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div style="text-indent: 4.5pt;">MFS Lifetime 2020 Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div style="text-indent: 4.5pt;">MFS Lifetime 2025 Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div style="text-indent: 4.5pt;">MFS Lifetime 2030 Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div style="text-indent: 4.5pt;">MFS Lifetime 2035 Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div style="text-indent: 4.5pt;">MFS Lifetime 2040 Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div style="text-indent: 4.5pt;">MFS Lifetime 2045 Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div style="text-indent: 4.5pt;">MFS Lifetime 2050 Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div style="text-indent: 4.5pt;">MFS Lifetime 2055 Fund</div>
              <div style="text-indent: 4.5pt;">MFS Lifetime 2060 Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div style="text-indent: 4.5pt;">MFS Equity Opportunities Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #C0C0C0;">
              <div style="font-weight: bold;">MFS SERIES TRUST XIII</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div style="text-indent: 4.5pt;">MFS Diversified Income Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div style="text-indent: 4.5pt;">MFS Global Real Estate Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div style="text-indent: 4.5pt;">MFS Government Securities Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div style="text-indent: 4.5pt;">MFS New Discovery Value Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #C0C0C0;">
              <div style="font-weight: bold;">MFS SERIES TRUST XIV</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div style="text-indent: 4.5pt;">MFS Institutional Money Market Portfolio</div>
              <div>&#160;</div>
              <div>&#160;</div>
              <div>&#160;</div>
              <div>&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #CCCCCC;">
              <div style="font-weight: bold;">MFS SERIES TRUST XV</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div style="text-indent: 4.5pt;">MFS Commodity Strategy Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div style="text-indent: 4.5pt;">MFS Global Alternative Strategy Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #BFBFBF;">
              <div style="font-weight: bold;">MFS SERIES TRUST XVI</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div style="text-indent: 4.5pt;">MFS Prudent Investor Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #C0C0C0;">
              <div style="font-weight: bold;">STAND-ALONE FUNDS</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;Massachusetts Investors Growth Stock Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;Massachusetts Investors Trust</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #C0C0C0;">
              <div style="font-weight: bold;">CLOSED-END FUNDS</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS California Municipal Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Charter Income Trust</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Government Markets Income Trust</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS High Income Municipal Trust</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS High Yield Municipal Trust</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Intermediate High Income Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Intermediate Income Trust</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Investment Grade Municipal Trust</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Multimarket Income Trust</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Municipal Income Trust</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Special Value Trust</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #C0C0C0;">
              <div style="font-weight: bold;">MFS MUNICIPAL SERIES TRUST</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Alabama Municipal Bond Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Arkansas Municipal Bond Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS California Municipal Bond Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Georgia Municipal Bond Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Maryland Municipal Bond Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Massachusetts Municipal Bond Fund</div>
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          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Mississippi Municipal Bond Fund</div>
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          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS New York Municipal Bond Fund</div>
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          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS North Carolina Municipal Bond Fund</div>
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          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Pennsylvania Municipal Bond Fund</div>
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          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS South Carolina Municipal Bond Fund</div>
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          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Tennessee Municipal Bond Fund</div>
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          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Virginia Municipal Bond Fund</div>
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          <tr>
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              <div>&#160;&#160;MFS West Virginia Municipal Bond Fund</div>
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          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Municipal Income Fund</div>
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          <tr>
            <td style="width: 100%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 100%; vertical-align: top; background-color: #C0C0C0;">
              <div style="font-weight: bold;">MFS VARIABLE INSURANCE TRUST</div>
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            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Growth Series</div>
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            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div>&#160;&#160;MFS Global Equity Series</div>
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              <div>&#160;&#160;MFS Investors Trust Series</div>
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            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div>&#160;&#160;MFS Mid Cap Growth Series</div>
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              <div>&#160;&#160;MFS New Discovery Series</div>
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              <div>&#160;&#160;MFS Total Return Bond Series</div>
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            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Research Series</div>
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              <div>&#160;&#160;MFS Total Return Series</div>
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              <div>&#160;&#160;MFS Utilities Series</div>
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          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>&#160;&#160;MFS Value Series</div>
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          <tr>
            <td style="width: 100%; vertical-align: top;">&#160;</td>
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              <div>&#160;&#160;MFS Institutional International Equity Fund</div>
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          <tr>
            <td style="width: 100%; vertical-align: top;">&#160;</td>
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            <td style="width: 100%; vertical-align: top; background-color: #B3B3B3;">
              <div style="font-weight: bold;">MFS VARIABLE INSURANCE TRUST II</div>
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            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div>&#160;&#160;MFS Blended Research Core Equity Portfolio</div>
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            <td style="width: 100%; vertical-align: top; background-color: #FFFFFF;">
              <div>&#160;&#160;MFS Corporate Bond Portfolio</div>
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              <div>&#160;&#160;MFS Core Equity Portfolio</div>
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              <div>&#160;&#160;MFS Emerging Markets Equity Portfolio</div>
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              <div>&#160;&#160;MFS Global Growth Portfolio</div>
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              <div>&#160;&#160;MFS Global Research Portfolio</div>
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              <div>&#160;&#160;MFS Global Tactical Allocation Portfolio</div>
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              <div>&#160;&#160;MFS Government Securities Portfolio</div>
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              <div>&#160;&#160;MFS High Yield Portfolio</div>
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              <div>&#160;&#160;MFS International Growth Portfolio</div>
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              <div>&#160;&#160;MFS International Intrinsic Value Portfolio</div>
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              <div>&#160;&#160;MFS Massachusetts Investors Growth Stock Portfolio</div>
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              <div>&#160;&#160;MFS U.S. Government Money Market Portfolio</div>
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              <div>&#160;&#160;MFS Research International Portfolio</div>
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              <div>&#160;&#160;MFS Strategic Income Portfolio</div>
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            <td style="width: 100%; vertical-align: top;">&#160;</td>
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            <td style="width: 100%; vertical-align: top; background-color: #BFBFBF;">
              <div style="font-weight: bold;">MFS VARIABLE INSURANCE TRUST III</div>
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              <div><font style="font-weight: bold;">&#160;&#160;</font>MFS Blended Research Small Cap Equity Portfolio</div>
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              <div>&#160;&#160;MFS Conservative Allocation Portfolio</div>
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              <div>&#160;&#160;MFS Inflation-Adjusted Bond Portfolio</div>
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              <div>&#160;&#160;MFS Limited Maturity Portfolio</div>
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              <div>&#160;&#160;MFS Mid Cap Value Portfolio</div>
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              <div>&#160;&#160;MFS Moderate Allocation Portfolio</div>
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              <div>&#160;&#160;MFS New Discovery Value Portfolio</div>
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  <div> <br>
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    <div style="text-align: right; text-indent: 36pt; font-size: 12pt;">FIDELITY BOND CLAIM AGREEMENT</div>
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    <div style="text-align: right; font-size: 12pt;">As of November 1, 2017</div>
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            <td style="width: 8.08%; vertical-align: middle;">&#160;</td>
            <td style="width: 13.14%; vertical-align: middle;">&#160;</td>
            <td style="width: 78.78%; vertical-align: middle;">&#160;</td>
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              <div>ATTN:</div>
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              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="3" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="3" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="3" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="3" style="width: 100%; vertical-align: middle;">
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              <div>MASSACHUSETTS FINANCIAL SERVICES COMPANY DBA MFS INVESTMENT</div>
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            <td style="width: 8.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 13.14%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="3" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="3" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div style="font-size: 12pt;">&#160;</div>
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              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 78.78%; vertical-align: bottom;">
              <div>RENL_CORR</div>
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              <td style="width: 8.91%; vertical-align: middle;">&#160;</td>
              <td style="width: 6.68%; vertical-align: middle;">&#160;</td>
              <td style="width: 1.88%; vertical-align: middle;">&#160;</td>
              <td style="width: 14.27%; vertical-align: middle;">&#160;</td>
              <td style="width: 12.2%; vertical-align: middle;">&#160;</td>
              <td style="width: 1.88%; vertical-align: middle;">&#160;</td>
              <td style="width: 25.62%; vertical-align: middle;">&#160;</td>
              <td style="width: 1.9%; vertical-align: middle;">&#160;</td>
              <td style="width: 26.65%; vertical-align: middle;">&#160;</td>
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              <td colspan="5" style="width: 43.95%; vertical-align: bottom;">
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              <td style="width: 1.88%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="4" style="width: 31.75%; vertical-align: bottom;">
                <div>202B Hall&#8217;s Mill Road</div>
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              <td style="width: 12.2%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 1.88%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="4" style="width: 31.75%; vertical-align: bottom;">
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              <td style="width: 12.2%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 1.88%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 1.88%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="9" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
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              <td colspan="7" style="width: 71.46%; vertical-align: bottom;">
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              </td>
              <td style="width: 1.9%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 26.65%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
              <td colspan="2" style="width: 15.59%; vertical-align: bottom;">
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              <td style="width: 1.88%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 14.27%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 12.2%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 25.62%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 1.9%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 26.65%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
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              <td colspan="4" style="width: 31.75%; vertical-align: bottom;">
                <div>111 HUNTINGTON AVENUE</div>
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              <td style="width: 12.2%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 25.62%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 1.9%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 26.65%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
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            <tr>
              <td style="width: 8.91%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.68%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 14.27%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 12.2%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="3" style="width: 54.16%; vertical-align: bottom;">
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              </td>
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              <td colspan="4" style="width: 31.75%; vertical-align: bottom;">
                <div>BOSTON, MA 02199</div>
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              <td style="width: 12.2%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="3" style="width: 54.16%; vertical-align: bottom;">
                <div style="text-indent: 71.05pt; font-size: 8pt;">Incorporated under the laws of Indiana</div>
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            <tr>
              <td style="width: 8.91%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.68%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 14.27%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 12.2%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="3" style="width: 54.16%; vertical-align: bottom;">
                <div style="text-indent: 71.05pt; font-size: 8pt;">a stock insurance company herein called the COMPANY</div>
              </td>
            </tr>
            <tr>
              <td style="width: 8.91%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.68%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 14.27%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 12.2%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="3" style="width: 54.16%; vertical-align: bottom;">
                <div style="text-indent: 71.05pt; font-size: 8pt;">Capital Center, 251 North Illinois, Suite 1100</div>
              </td>
            </tr>
            <tr>
              <td style="width: 8.91%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.68%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 14.27%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 12.2%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="3" style="width: 54.16%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="text-indent: 71.05pt; font-size: 8pt;">Indianapolis, IN 46204-1927</div>
              </td>
            </tr>
            <tr>
              <td colspan="9" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 8.91%; vertical-align: bottom;">
                <div style="font-weight: bold;">ITEM 1.</div>
              </td>
              <td colspan="3" style="width: 22.83%; vertical-align: bottom;">
                <div>BOND PERIOD: from</div>
              </td>
              <td style="width: 12.2%; vertical-align: bottom;">
                <div style="text-align: right;">12:01 a.m. on</div>
              </td>
              <td colspan="2" style="width: 27.51%; vertical-align: bottom;">
                <div style="text-indent: 3.6pt;">November 1, 2019</div>
              </td>
              <td style="width: 1.9%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 26.65%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 8.91%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.68%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 14.27%; vertical-align: bottom;">
                <div style="text-align: right;">to</div>
              </td>
              <td style="width: 12.2%; vertical-align: bottom;">
                <div style="text-align: right;">12:01 a.m. on</div>
              </td>
              <td colspan="2" style="width: 27.51%; vertical-align: bottom;">
                <div style="text-indent: 3.6pt;">November 1, 2020</div>
              </td>
              <td style="width: 1.9%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 26.65%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td colspan="9" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 8.91%; vertical-align: bottom;">
                <div style="font-weight: bold;">ITEM 2.</div>
              </td>
              <td colspan="6" style="width: 62.55%; vertical-align: bottom;">
                <div>LIMITS OF LIABILITY--DEDUCTIBLE AMOUNTS:</div>
              </td>
              <td style="width: 1.9%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 26.65%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td colspan="9" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 8.91%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="8" style="width: 91.09%; vertical-align: bottom;">
                <div>If &#8220;Not Covered&#8221; is inserted below opposite any specified INSURING CLAUSE, such INSURING CLAUSE and</div>
              </td>
            </tr>
            <tr>
              <td style="width: 8.91%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="8" style="width: 91.09%; vertical-align: bottom;">
                <div>any other reference shall be deemed to be deleted. <font style="font-weight: bold;">There shall be no deductible applicable to any loss</font></div>
              </td>
            </tr>
            <tr>
              <td style="width: 8.91%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="6" style="width: 62.55%; vertical-align: bottom;">
                <div style="font-weight: bold;">under INSURING CLAUSE 1. sustained by any Investment Company.</div>
              </td>
              <td style="width: 1.9%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 26.65%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td colspan="9" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 8.91%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.68%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 14.27%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 12.2%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="2" style="width: 27.51%; vertical-align: bottom;">
                <div>SINGLE LOSS</div>
              </td>
              <td colspan="2" style="width: 28.54%; vertical-align: bottom;">
                <div>DEDUCTIBLE</div>
              </td>
            </tr>
            <tr>
              <td style="width: 8.91%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="3" style="width: 22.83%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="text-indent: 5.4pt;">INSURING CLAUSE</div>
              </td>
              <td style="width: 12.2%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="2" style="width: 27.51%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div>LIMIT OF LIABILITY</div>
              </td>
              <td colspan="2" style="width: 28.54%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div>AMOUNT</div>
              </td>
            </tr>
            <tr>
              <td colspan="9" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 8.91%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.68%; vertical-align: bottom;">
                <div style="text-align: right;">1</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div>.</div>
              </td>
              <td style="width: 14.27%; vertical-align: bottom;">
                <div>Employee</div>
              </td>
              <td style="width: 12.2%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div>$</div>
              </td>
              <td style="width: 25.62%; vertical-align: bottom;">
                <div>25,000,000</div>
              </td>
              <td style="width: 1.9%; vertical-align: bottom;">
                <div>$</div>
              </td>
              <td style="width: 26.65%; vertical-align: bottom;">
                <div>100,000</div>
              </td>
            </tr>
            <tr>
              <td style="width: 8.91%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.68%; vertical-align: bottom;">
                <div style="text-align: right;">2</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div>.</div>
              </td>
              <td style="width: 14.27%; vertical-align: bottom;">
                <div>On Premises</div>
              </td>
              <td style="width: 12.2%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div>$</div>
              </td>
              <td style="width: 25.62%; vertical-align: bottom;">
                <div>25,000,000</div>
              </td>
              <td style="width: 1.9%; vertical-align: bottom;">
                <div>$</div>
              </td>
              <td style="width: 26.65%; vertical-align: bottom;">
                <div>100,000</div>
              </td>
            </tr>
            <tr>
              <td style="width: 8.91%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.68%; vertical-align: bottom;">
                <div style="text-align: right;">3</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div>.</div>
              </td>
              <td style="width: 14.27%; vertical-align: bottom;">
                <div>In Transit</div>
              </td>
              <td style="width: 12.2%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div>$</div>
              </td>
              <td style="width: 25.62%; vertical-align: bottom;">
                <div>25,000,000</div>
              </td>
              <td style="width: 1.9%; vertical-align: bottom;">
                <div>$</div>
              </td>
              <td style="width: 26.65%; vertical-align: bottom;">
                <div>100,000</div>
              </td>
            </tr>
            <tr>
              <td style="width: 8.91%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.68%; vertical-align: bottom;">
                <div style="text-align: right;">4</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div>.</div>
              </td>
              <td colspan="2" style="width: 26.47%; vertical-align: bottom;">
                <div>Forgery or Alteration</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div>$</div>
              </td>
              <td style="width: 25.62%; vertical-align: bottom;">
                <div>25,000,000</div>
              </td>
              <td style="width: 1.9%; vertical-align: bottom;">
                <div>$</div>
              </td>
              <td style="width: 26.65%; vertical-align: bottom;">
                <div>100,000</div>
              </td>
            </tr>
            <tr>
              <td style="width: 8.91%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.68%; vertical-align: bottom;">
                <div style="text-align: right;">5</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div>.</div>
              </td>
              <td colspan="2" style="width: 26.47%; vertical-align: bottom;">
                <div>Extended Forgery</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div>$</div>
              </td>
              <td style="width: 25.62%; vertical-align: bottom;">
                <div>25,000,000</div>
              </td>
              <td style="width: 1.9%; vertical-align: bottom;">
                <div>$</div>
              </td>
              <td style="width: 26.65%; vertical-align: bottom;">
                <div>100,000</div>
              </td>
            </tr>
            <tr>
              <td style="width: 8.91%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.68%; vertical-align: bottom;">
                <div style="text-align: right;">6</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div>.</div>
              </td>
              <td colspan="2" style="width: 26.47%; vertical-align: bottom;">
                <div>Counterfeit Money</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div>$</div>
              </td>
              <td style="width: 25.62%; vertical-align: bottom;">
                <div>25,000,000</div>
              </td>
              <td style="width: 1.9%; vertical-align: bottom;">
                <div>$</div>
              </td>
              <td style="width: 26.65%; vertical-align: bottom;">
                <div>100,000</div>
              </td>
            </tr>
            <tr>
              <td style="width: 8.91%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.68%; vertical-align: bottom;">
                <div style="text-align: right;">7</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div>.</div>
              </td>
              <td colspan="2" style="width: 26.47%; vertical-align: bottom;">
                <div>Threats to Person</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div>$</div>
              </td>
              <td style="width: 25.62%; vertical-align: bottom;">
                <div>NOT COVERED</div>
              </td>
              <td style="width: 1.9%; vertical-align: bottom;">
                <div>$</div>
              </td>
              <td style="width: 26.65%; vertical-align: bottom;">
                <div>N/A</div>
              </td>
            </tr>
            <tr>
              <td style="width: 8.91%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.68%; vertical-align: bottom;">
                <div style="text-align: right;">8</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div>.</div>
              </td>
              <td colspan="2" style="width: 26.47%; vertical-align: bottom;">
                <div>Computer System</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div>$</div>
              </td>
              <td style="width: 25.62%; vertical-align: bottom;">
                <div>25,000,000</div>
              </td>
              <td style="width: 1.9%; vertical-align: bottom;">
                <div>$</div>
              </td>
              <td style="width: 26.65%; vertical-align: bottom;">
                <div>100,000</div>
              </td>
            </tr>
            <tr>
              <td style="width: 8.91%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.68%; vertical-align: bottom;">
                <div style="text-align: right;">9</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div>.</div>
              </td>
              <td colspan="2" style="width: 26.47%; vertical-align: bottom;">
                <div>Voice Initiated Funds Transfer</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 25.62%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 1.9%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 26.65%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 8.91%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.68%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 14.27%; vertical-align: bottom;">
                <div>Instruction</div>
              </td>
              <td style="width: 12.2%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div>$</div>
              </td>
              <td style="width: 25.62%; vertical-align: bottom;">
                <div>25,000,000</div>
              </td>
              <td style="width: 1.9%; vertical-align: bottom;">
                <div>$</div>
              </td>
              <td style="width: 26.65%; vertical-align: bottom;">
                <div>100,000</div>
              </td>
            </tr>
            <tr>
              <td style="width: 8.91%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.68%; vertical-align: bottom;">
                <div style="text-align: right;">10</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div>.</div>
              </td>
              <td colspan="2" style="width: 26.47%; vertical-align: bottom;">
                <div>Uncollectible Items of Deposit</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div>$</div>
              </td>
              <td style="width: 25.62%; vertical-align: bottom;">
                <div>250,000</div>
              </td>
              <td style="width: 1.9%; vertical-align: bottom;">
                <div>$</div>
              </td>
              <td style="width: 26.65%; vertical-align: bottom;">
                <div>100,000</div>
              </td>
            </tr>
            <tr>
              <td style="width: 8.91%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.68%; vertical-align: bottom;">
                <div style="text-align: right;">11</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div>.</div>
              </td>
              <td style="width: 14.27%; vertical-align: bottom;">
                <div>Audit Expense</div>
              </td>
              <td style="width: 12.2%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div>$</div>
              </td>
              <td style="width: 25.62%; vertical-align: bottom;">
                <div>250,000</div>
              </td>
              <td style="width: 1.9%; vertical-align: bottom;">
                <div>$</div>
              </td>
              <td style="width: 26.65%; vertical-align: bottom;">
                <div>100,000</div>
              </td>
            </tr>
            <tr>
              <td colspan="9" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 8.91%; vertical-align: bottom;">
                <div style="font-weight: bold;">ITEM 3.</div>
              </td>
              <td colspan="8" style="width: 91.09%; vertical-align: bottom;">
                <div>THE LIABILITY OF THE COMPANY IS ALSO SUBJECT TO THE TERMS OF THE FOLLOWING</div>
              </td>
            </tr>
            <tr>
              <td style="width: 8.91%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="6" style="width: 62.55%; vertical-align: bottom;">
                <div>ENDORSEMENTS EXECUTED SIMULTANEOUSLY HEREWITH:</div>
              </td>
              <td style="width: 1.9%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 26.65%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td colspan="9" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 8.91%; vertical-align: bottom;">
                <div>1-23</div>
              </td>
              <td style="width: 6.68%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 14.27%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 12.2%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 1.88%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 25.62%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 1.9%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 26.65%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>

        </table>
      </div>
    </div>
    <div><br>
    </div>
  </div>
  <div><img src="image00002.jpg">
    <div><br>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="z155a7d44aa4346dda194274080576656">

          <tr>
            <td style="width: 55.55%; vertical-align: bottom;">
              <div style="font-size: 8pt;">ICAP Bond (5-98) - Federal</div>
            </td>
            <td style="width: 44.45%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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          <tr>
            <td style="width: 55.55%; vertical-align: bottom;">
              <div style="font-size: 8pt;">Form 17-02-1421 (Ed. 5-98)</div>
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            <td style="width: 44.45%; vertical-align: bottom;">
              <div style="font-size: 8pt;">Page 1 of 1</div>
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        <div><br>
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              <td style="width: 21.88%; vertical-align: middle;">&#160;</td>
              <td style="width: 7.29%; vertical-align: middle;">&#160;</td>
              <td style="width: 2.08%; vertical-align: middle;">&#160;</td>
              <td style="width: 3.12%; vertical-align: middle;">&#160;</td>
              <td style="width: 4.16%; vertical-align: middle;">&#160;</td>
              <td style="width: 2.08%; vertical-align: middle;">&#160;</td>
              <td style="width: 59.38%; vertical-align: middle;">&#160;</td>
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              <td style="width: 21.88%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="6" style="width: 78.12%; vertical-align: bottom;">
                <div style="text-align: right;">The COMPANY, in consideration of payment of the required premium, and in reliance</div>
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              <td style="width: 21.88%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="6" style="width: 78.12%; vertical-align: bottom;">
                <div style="text-align: right;">on the APPLICATION and all other statements made and information furnished to the</div>
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              <td style="width: 21.88%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 21.88%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="6" style="width: 78.12%; vertical-align: bottom;">
                <div style="text-align: right;">Bond and to all other terms and conditions of this Bond, agrees to pay the ASSURED</div>
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              <td style="width: 21.88%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
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              </td>
              <td style="width: 2.08%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 3.12%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 59.38%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
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          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
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          <tr>
            <td style="width: 21.88%; vertical-align: bottom;">
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            </td>
            <td style="width: 7.29%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.12%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 59.38%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
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          <tr>
            <td style="width: 21.88%; vertical-align: bottom;">
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            </td>
            <td style="width: 7.29%; vertical-align: bottom;">
              <div style="text-align: right;">1</div>
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            <td style="width: 2.08%; vertical-align: bottom;">
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              <div>Loss resulting directly from <font style="font-weight: bold;">Larceny </font>or <font style="font-weight: bold;">Embezzlement </font>committed by any</div>
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            <td colspan="7" style="width: 100%; vertical-align: bottom; border-bottom: #000000 2px solid;">
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          <td colspan="7" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td colspan="7" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
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        <tr>
          <td style="width: 21.88%; vertical-align: bottom;">
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          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="text-align: right;">2</div>
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          <td style="width: 2.08%; vertical-align: bottom;">
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          <td colspan="4" style="width: 68.74%; vertical-align: bottom;">
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        <tr>
          <td style="width: 21.88%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
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          </td>
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          <td style="width: 21.88%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td colspan="4" style="width: 68.74%; vertical-align: bottom;">
            <div>disappearance, damage, destruction or removal, from the possession, custody or</div>
          </td>
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          <td style="width: 21.88%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
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            <div>control of the ASSURED, while such <font style="font-weight: bold;">Property </font>is lodged or deposited at premises</div>
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          <td style="width: 21.88%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td colspan="4" style="width: 68.74%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div>located anywhere.</div>
          </td>
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        <tr>
          <td colspan="7" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td colspan="7" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 21.88%; vertical-align: bottom;">
            <div style="font-style: italic;">In Transit</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="text-align: right;">3</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
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          <td colspan="4" style="width: 68.74%; vertical-align: bottom;">
            <div>Loss of <font style="font-weight: bold;">Property </font>resulting directly from common law or statutory larceny,</div>
          </td>
        </tr>
        <tr>
          <td style="width: 21.88%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td colspan="4" style="width: 68.74%; vertical-align: bottom;">
            <div>misplacement, mysterious unexplainable disappearance, damage or destruction,</div>
          </td>
        </tr>
        <tr>
          <td style="width: 21.88%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td colspan="4" style="width: 68.74%; vertical-align: bottom;">
            <div>while the <font style="font-weight: bold;">Property </font>is in transit anywhere:</div>
          </td>
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          <td colspan="7" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 21.88%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 3.12%; vertical-align: bottom;">
            <div>a.</div>
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          <td colspan="3" style="width: 65.62%; vertical-align: bottom;">
            <div style="text-align: right;">in an armored motor vehicle, including loading and unloading thereof,</div>
          </td>
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          <td colspan="7" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 21.88%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 3.12%; vertical-align: bottom;">
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          <td colspan="3" style="width: 65.62%; vertical-align: bottom;">
            <div style="text-align: right;">in the custody of a natural person acting as a messenger of the ASSURED,</div>
          </td>
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        <tr>
          <td style="width: 21.88%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 3.12%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
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          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 59.38%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 21.88%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 3.12%; vertical-align: bottom;">
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          <td colspan="3" style="width: 65.62%; vertical-align: bottom;">
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          </td>
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        <tr>
          <td style="width: 21.88%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 3.12%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td colspan="3" style="width: 65.62%; vertical-align: bottom;">
            <div style="text-align: right;">conveyance other than an armored motor vehicle provided, however, that</div>
          </td>
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        <tr>
          <td style="width: 21.88%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 3.12%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td colspan="3" style="width: 65.62%; vertical-align: bottom;">
            <div style="text-align: center;">covered <font style="font-weight: bold;">Property </font>transported in such manner is limited to the following:</div>
          </td>
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        <tr>
          <td colspan="7" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 21.88%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 3.12%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="text-align: right;">(1</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div>)</div>
          </td>
          <td style="width: 59.38%; vertical-align: bottom;">
            <div style="text-align: right;">written records,</div>
          </td>
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        <tr>
          <td colspan="7" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 21.88%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 3.12%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="text-align: right;">(2</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div>)</div>
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          <td style="width: 59.38%; vertical-align: bottom;">
            <div style="text-align: right;">securities issued in registered form, which are not endorsed or are</div>
          </td>
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        <tr>
          <td colspan="7" style="width: 100%; vertical-align: bottom;">
            <div style="text-align: center;">restrictively endorsed, or</div>
          </td>
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        <tr>
          <td colspan="7" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 21.88%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 3.12%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
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          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div>)</div>
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          <td style="width: 59.38%; vertical-align: bottom;">
            <div style="text-align: right;">negotiable instruments not payable to bearer, which are not endorsed</div>
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        <tr>
          <td style="width: 21.88%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 3.12%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 59.38%; vertical-align: bottom;">
            <div style="text-align: right;">or are restrictively endorsed.</div>
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        <tr>
          <td colspan="7" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 21.88%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td colspan="4" style="width: 68.74%; vertical-align: bottom;">
            <div>Coverage under this INSURING CLAUSE begins immediately on the receipt of</div>
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        </tr>
        <tr>
          <td style="width: 21.88%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td colspan="4" style="width: 68.74%; vertical-align: bottom;">
            <div>such <font style="font-weight: bold;">Property </font>by the natural person or <font style="font-weight: bold;">Transportation Company </font>and ends</div>
          </td>
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        <tr>
          <td style="width: 21.88%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td colspan="4" style="width: 68.74%; vertical-align: bottom;">
            <div>immediately on delivery to the premises of the addressee or to any representative</div>
          </td>
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        <tr>
          <td style="width: 21.88%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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            <div>of the addressee located anywhere.</div>
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        <tr>
          <td style="width: 55.55%; vertical-align: bottom;">
            <div style="font-size: 8pt;">ICAP Bond (5-98)</div>
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          <td style="width: 44.45%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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        <tr>
          <td style="width: 55.55%; vertical-align: bottom;">
            <div style="font-size: 8pt;">Form 17-02-1421 (Ed. 5-98)</div>
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            <div style="font-size: 8pt;">Page 1 of 19</div>
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            <td style="width: 6.18%; vertical-align: middle;">&#160;</td>
            <td style="width: 2.06%; vertical-align: middle;">&#160;</td>
            <td style="width: 4.12%; vertical-align: middle;">&#160;</td>
            <td style="width: 5.17%; vertical-align: middle;">&#160;</td>
            <td style="width: 59.8%; vertical-align: middle;">&#160;</td>
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              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 4.12%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 5.17%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 59.8%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-style: italic;">(continued)</div>
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            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 4.12%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 5.17%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 59.8%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="6" style="width: 100%; vertical-align: middle;">
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            <td colspan="6" style="width: 100%; vertical-align: middle;">
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          <tr>
            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-style: italic;">Forgery Or Alteration</div>
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            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="text-align: right;">4</div>
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            <td style="width: 2.06%; vertical-align: bottom;">
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            <td colspan="3" style="width: 69.08%; vertical-align: bottom;">
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          <tr>
            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 4.12%; vertical-align: bottom;">
              <div>a.</div>
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            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 4.12%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 4.12%; vertical-align: bottom;">
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            <td style="width: 22.68%; vertical-align: bottom;">
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            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 4.12%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div>written promises, orders or directions to pay sums certain in money, or</div>
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            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 4.12%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="2" style="width: 64.96%; vertical-align: bottom;">
              <div>receipts for the withdrawal of <font style="font-weight: bold;">Property</font>, or</div>
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          <tr>
            <td colspan="6" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
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          <tr>
            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 4.12%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div>any credit or giving any value in reliance on any written instructions, advices</div>
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            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 4.12%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div style="text-align: right;">or applications directed to the ASSURED authorizing or acknowledging the</div>
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            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 4.12%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div>transfer, payment, delivery or receipt of funds or other <font style="font-weight: bold;">Property</font>, which</div>
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            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.12%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="2" style="width: 64.96%; vertical-align: bottom;">
              <div>instructions, advices or applications fraudulently purport to bear the</div>
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            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.12%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div>handwritten signature of any customer of the ASSURED, or shareholder or</div>
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            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.12%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="2" style="width: 64.96%; vertical-align: bottom;">
              <div>subscriber to shares of an <font style="font-weight: bold;">Investment Company</font>, or of any financial</div>
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            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.12%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.12%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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          <tr>
            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.12%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div>knowledge and consent of such customer, shareholder, subscriber, financial</div>
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            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.12%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div>institution or <font style="font-weight: bold;">Employee</font>;</div>
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            <td colspan="6" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
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          <tr>
            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="3" style="width: 69.08%; vertical-align: bottom;">
              <div style="text-align: right;">excluding, however, under this INSURING CLAUSE any loss covered under</div>
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            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="3" style="width: 69.08%; vertical-align: bottom;">
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            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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          <tr>
            <td colspan="6" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
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              <div style="text-align: right;">For the purpose of this INSURING CLAUSE, a mechanically reproduced facsimile</div>
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            <td style="width: 22.68%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.18%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 2.06%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div style="font-size: 12pt;">&#160;</div>
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          <tr>
            <td colspan="6" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
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          <tr>
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            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="text-align: right;">5</div>
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          <tr>
            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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          <tr>
            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div style="font-size: 12pt;">&#160;</div>
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              <div style="font-size: 12pt;">&#160;</div>
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          <tr>
            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 4.12%; vertical-align: bottom;">
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            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.12%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="2" style="width: 64.96%; vertical-align: bottom;">
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          <tr>
            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.12%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 64.96%; vertical-align: bottom;">
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          </tr>
          <tr>
            <td colspan="6" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.12%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 5.17%; vertical-align: bottom;">
              <div>(1)</div>
            </td>
            <td style="width: 59.8%; vertical-align: bottom;">
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            </td>
          </tr>
          <tr>
            <td colspan="6" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.12%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 5.17%; vertical-align: bottom;">
              <div>(2)</div>
            </td>
            <td style="width: 59.8%; vertical-align: bottom;">
              <div style="text-align: right;">have been lost or stolen, or</div>
            </td>
          </tr>
          <tr>
            <td colspan="6" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.12%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 5.17%; vertical-align: bottom;">
              <div>(3)</div>
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          <tr>
            <td colspan="6" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
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          </tr>
          <tr>
            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.12%; vertical-align: bottom;">
              <div>b.</div>
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            <td colspan="2" style="width: 64.96%; vertical-align: bottom;">
              <div>guaranteed in writing or witnessed any signatures on any transfer,</div>
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          <tr>
            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.12%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="2" style="width: 64.96%; vertical-align: bottom;">
              <div>assignment, bill of sale, power of attorney, guarantee, endorsement or other</div>
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          <tr>
            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.12%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 64.96%; vertical-align: bottom;">
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          <tr>
            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.12%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 64.96%; vertical-align: bottom;">
              <div><font style="font-weight: bold;">written instruments</font>.</div>
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            <td colspan="6" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
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          <tr>
            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="3" style="width: 69.08%; vertical-align: bottom;">
              <div style="text-align: right;">Actual physical possession, and continued actual physical possession if taken as</div>
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          <tr>
            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="3" style="width: 69.08%; vertical-align: bottom;">
              <div style="text-align: right;">collateral, of such <font style="font-weight: bold;">Securities, documents or other written instruments </font>by an</div>
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          <tr>
            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="3" style="width: 69.08%; vertical-align: bottom;">
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          <tr>
            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="3" style="width: 69.08%; vertical-align: bottom;">
              <div style="text-align: right;">ASSURED is a condition precedent to the ASSURED having relied on such items.</div>
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          <tr>
            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="3" style="width: 69.08%; vertical-align: bottom;">
              <div style="text-align: right;">Release or return of such collateral is an acknowledgment by the ASSURED that it</div>
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          <tr>
            <td style="width: 22.68%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="3" style="width: 69.08%; vertical-align: bottom;">
              <div>no longer relies on such collateral.</div>
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          <tr>
            <td style="width: 55.55%; vertical-align: middle;">&#160;</td>
            <td style="width: 44.45%; vertical-align: middle;">&#160;</td>
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          <tr>
            <td style="width: 55.55%; vertical-align: bottom;">
              <div style="font-size: 8pt;">ICAP Bond (5-98)</div>
            </td>
            <td style="width: 44.45%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 55.55%; vertical-align: bottom;">
              <div style="font-size: 8pt;">Form 17-02-1421 (Ed. 5-98)</div>
            </td>
            <td style="width: 44.45%; vertical-align: bottom;">
              <div style="font-size: 8pt;">Page 2 of 19</div>
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              <td style="width: 21.87%; vertical-align: middle;">&#160;</td>
              <td style="width: 6.26%; vertical-align: middle;">&#160;</td>
              <td style="width: 2.08%; vertical-align: middle;">&#160;</td>
              <td style="width: 4.16%; vertical-align: middle;">&#160;</td>
              <td style="width: 4.16%; vertical-align: middle;">&#160;</td>
              <td style="width: 2.08%; vertical-align: middle;">&#160;</td>
              <td style="width: 59.38%; vertical-align: middle;">&#160;</td>
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              <td style="width: 6.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 59.38%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="7" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
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            <tr>
              <td colspan="7" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
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            <tr>
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                <div style="font-style: italic;">Extended Forgery</div>
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              <td style="width: 6.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="4" style="width: 69.79%; vertical-align: bottom;">
                <div>For the purpose of this INSURING CLAUSE, a mechanically reproduced facsimile</div>
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              <td style="width: 21.87%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-style: italic;">(continued)</div>
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              <td style="width: 6.26%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="4" style="width: 69.79%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div>signature is treated the same as a handwritten signature.</div>
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            <tr>
              <td colspan="7" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td colspan="7" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 21.87%; vertical-align: bottom;">
                <div style="font-style: italic;">Counterfeit Money</div>
              </td>
              <td style="width: 6.26%; vertical-align: bottom;">
                <div style="text-align: right;">6</div>
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              <td colspan="4" style="width: 69.79%; vertical-align: bottom;">
                <div>Loss resulting directly from the receipt by the ASSURED in good faith of any</div>
              </td>
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            <tr>
              <td style="width: 21.87%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.26%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="4" style="width: 69.79%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div><font style="font-weight: bold;">Counterfeit </font>money.</div>
              </td>
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            <tr>
              <td colspan="7" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td colspan="7" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 21.87%; vertical-align: bottom;">
                <div style="font-style: italic;">Threats To Person</div>
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              <td style="width: 6.26%; vertical-align: bottom;">
                <div style="text-align: right;">7</div>
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              <td style="width: 2.08%; vertical-align: bottom;">
                <div>.</div>
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              <td colspan="4" style="width: 69.79%; vertical-align: bottom;">
                <div>Loss resulting directly from surrender of <font style="font-weight: bold;">Property </font>away from an office of the</div>
              </td>
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            <tr>
              <td style="width: 21.87%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
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                <div>ASSURED as a result of a threat communicated to the ASSURED to do bodily</div>
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              <td style="width: 21.87%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="4" style="width: 69.79%; vertical-align: bottom;">
                <div>harm to an <font style="font-weight: bold;">Employee </font>as defined in SECTION 1.e. (1), (2) and (5), a <font style="font-weight: bold;">Relative </font>or</div>
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            <tr>
              <td style="width: 21.87%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>invitee of such <font style="font-weight: bold;">Employee</font>, or a resident of the household of such <font style="font-weight: bold;">Employee</font>, who</div>
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              <td style="width: 21.87%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="4" style="width: 69.79%; vertical-align: bottom;">
                <div>is, or allegedly is, being held captive provided, however, that prior to the surrender</div>
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            <tr>
              <td style="width: 21.87%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
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                <div>of such <font style="font-weight: bold;">Property</font>:</div>
              </td>
            </tr>
            <tr>
              <td style="width: 21.87%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div>a.</div>
              </td>
              <td colspan="3" style="width: 65.62%; vertical-align: bottom;">
                <div style="text-align: right;">the <font style="font-weight: bold;">Employee </font>who receives the threat has made a reasonable effort to</div>
              </td>
            </tr>
            <tr>
              <td style="width: 21.87%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="3" style="width: 65.62%; vertical-align: bottom;">
                <div style="text-align: center;">notify an officer of the ASSURED who is not involved in such threat, and</div>
              </td>
            </tr>
            <tr>
              <td colspan="7" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 21.87%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div>b.</div>
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              <td colspan="3" style="width: 65.62%; vertical-align: bottom;">
                <div style="text-align: right;">the ASSURED has made a reasonable effort to notify the Federal Bureau of</div>
              </td>
            </tr>
            <tr>
              <td style="width: 21.87%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="3" style="width: 65.62%; vertical-align: bottom;">
                <div style="text-align: right;">Investigation and local law enforcement authorities concerning such threat.</div>
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            <tr>
              <td style="width: 21.87%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="4" style="width: 69.79%; vertical-align: bottom;">
                <div>It is agreed that for purposes of this INSURING CLAUSE, any <font style="font-weight: bold;">Employee </font>of the</div>
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            <tr>
              <td style="width: 21.87%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="4" style="width: 69.79%; vertical-align: bottom;">
                <div>ASSURED, as set forth in the preceding paragraph, shall be deemed to be an</div>
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            <tr>
              <td style="width: 21.87%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="4" style="width: 69.79%; vertical-align: bottom;">
                <div>ASSURED hereunder, but only with respect to the surrender of money, securities</div>
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            <tr>
              <td style="width: 21.87%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="4" style="width: 69.79%; vertical-align: bottom;">
                <div>and other tangible personal property in which such <font style="font-weight: bold;">Employee </font>has a legal or</div>
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            <tr>
              <td style="width: 21.87%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.26%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="4" style="width: 69.79%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div>equitable interest.</div>
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            <tr>
              <td colspan="7" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td colspan="7" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 21.87%; vertical-align: bottom;">
                <div style="font-style: italic;">Computer System</div>
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              <td style="width: 6.26%; vertical-align: bottom;">
                <div style="text-align: right;">8</div>
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              <td style="width: 2.08%; vertical-align: bottom;">
                <div>.</div>
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              <td colspan="4" style="width: 69.79%; vertical-align: bottom;">
                <div>Loss resulting directly from fraudulent:</div>
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            </tr>
            <tr>
              <td style="width: 21.87%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div>a.</div>
              </td>
              <td colspan="3" style="width: 65.62%; vertical-align: bottom;">
                <div style="text-align: right;">entries of data into, or</div>
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              <td colspan="7" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
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            <tr>
              <td style="width: 21.87%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div>b.</div>
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              <td colspan="3" style="width: 65.62%; vertical-align: bottom;">
                <div>changes of data elements or programs within,</div>
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              <td style="width: 21.87%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="4" style="width: 69.79%; vertical-align: bottom;">
                <div>a <font style="font-weight: bold;">Computer System</font>, provided the fraudulent entry or change causes:</div>
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            <tr>
              <td colspan="7" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
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            <tr>
              <td style="width: 21.87%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="text-align: right;">(1</div>
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              <td style="width: 2.08%; vertical-align: bottom;">
                <div>)</div>
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              <td style="width: 59.38%; vertical-align: bottom;">
                <div style="text-align: center;">funds or other property to be transferred, paid or delivered,</div>
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            <tr>
              <td colspan="7" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
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            <tr>
              <td style="width: 21.87%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="text-align: right;">(2</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div>)</div>
              </td>
              <td style="width: 59.38%; vertical-align: bottom;">
                <div style="text-align: right;">an account of the ASSURED or of its customer to be added, deleted,</div>
              </td>
            </tr>
            <tr>
              <td colspan="7" style="width: 100%; vertical-align: bottom;">
                <div style="text-align: center;">debited or credited, or</div>
              </td>
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            <tr>
              <td colspan="7" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
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            <tr>
              <td style="width: 21.87%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="text-align: right;">(3</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div>)</div>
              </td>
              <td style="width: 59.38%; vertical-align: bottom;">
                <div style="text-align: right;">an unauthorized account or a fictitious account to be debited or</div>
              </td>
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            <tr>
              <td style="width: 21.87%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 59.38%; vertical-align: bottom;">
                <div style="text-align: right;">credited.</div>
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        <div style="font-size: 12pt;">&#160;</div>
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            <tr>
              <td style="width: 55.55%; vertical-align: middle;">&#160;</td>
              <td style="width: 44.45%; vertical-align: middle;">&#160;</td>
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            <tr>
              <td style="width: 55.55%; vertical-align: bottom;">
                <div style="font-size: 8pt;">ICAP Bond (5-98)</div>
              </td>
              <td style="width: 44.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 55.55%; vertical-align: bottom;">
                <div style="font-size: 8pt;">Form 17-02-1421 (Ed. 5-98)</div>
              </td>
              <td style="width: 44.45%; vertical-align: bottom;">
                <div style="font-size: 8pt;">Page 3 of 19</div>
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      <tr>
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          <div style="font-size: 12pt; font-style: italic; font-weight: bold;">Insuring Clauses</div>
        </td>
        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 2.04%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 4.08%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 65.3%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
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      <tr>
        <td style="width: 22.45%; vertical-align: bottom;">
          <div style="font-style: italic;">(continued)</div>
        </td>
        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 2.04%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 4.08%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 65.3%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
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      <tr>
        <td colspan="5" style="width: 100%; vertical-align: middle;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
      </tr>
      <tr>
        <td colspan="5" style="width: 100%; vertical-align: middle;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
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      <tr>
        <td style="width: 22.45%; vertical-align: bottom;">
          <div style="font-style: italic;">Voice Initiated Funds</div>
        </td>
        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="text-align: right;">9</div>
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        <td style="width: 2.04%; vertical-align: bottom;">
          <div>.</div>
        </td>
        <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
          <div>Loss resulting directly from <font style="font-weight: bold;">Voice Initiated Funds Transfer Instruction </font>directed</div>
        </td>
      </tr>
      <tr>
        <td style="width: 22.45%; vertical-align: bottom;">
          <div style="font-style: italic;">Transfer Instruction</div>
        </td>
        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 2.04%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
          <div>to the ASSURED authorizing the transfer of dividends or redemption proceeds of</div>
        </td>
      </tr>
      <tr>
        <td style="width: 22.45%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 2.04%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
          <div><font style="font-weight: bold;">Investment Company </font>shares from a <font style="font-weight: bold;">Customer's </font>account, provided such <font style="font-weight: bold;">Voice</font></div>
        </td>
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      <tr>
        <td style="width: 22.45%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 2.04%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
          <div><font style="font-weight: bold;">Initiated Funds Transfer Instruction </font>was:</div>
        </td>
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      <tr>
        <td style="width: 22.45%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 2.04%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 4.08%; vertical-align: bottom;">
          <div>a.</div>
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        <td style="width: 65.3%; vertical-align: bottom;">
          <div style="text-align: right;">received at the ASSURED'S offices by those <font style="font-weight: bold;">Employees </font>of the ASSURED</div>
        </td>
      </tr>
      <tr>
        <td style="width: 22.45%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 2.04%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 4.08%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 65.3%; vertical-align: bottom;">
          <div style="text-align: right;">specifically authorized to receive the <font style="font-weight: bold;">Voice Initiated Funds Transfer</font></div>
        </td>
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      <tr>
        <td style="width: 22.45%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 2.04%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 4.08%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 65.3%; vertical-align: bottom;">
          <div style="text-align: right;"><font style="font-weight: bold;">Instruction</font>,</div>
        </td>
      </tr>
      <tr>
        <td colspan="5" style="width: 100%; vertical-align: middle;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
      </tr>
      <tr>
        <td style="width: 22.45%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 2.04%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 4.08%; vertical-align: bottom;">
          <div>b.</div>
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        <td style="width: 65.3%; vertical-align: bottom;">
          <div style="text-align: right;">made by a person purporting to be a <font style="font-weight: bold;">Customer</font>, and</div>
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      </tr>
      <tr>
        <td colspan="5" style="width: 100%; vertical-align: middle;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
      </tr>
      <tr>
        <td style="width: 22.45%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 2.04%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 4.08%; vertical-align: bottom;">
          <div>c.</div>
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        <td style="width: 65.3%; vertical-align: bottom;">
          <div style="text-align: right;">made by said person for the purpose of causing the ASSURED or <font style="font-weight: bold;">Customer</font></div>
        </td>
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      <tr>
        <td style="width: 22.45%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 2.04%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 4.08%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 65.3%; vertical-align: bottom;">
          <div style="text-align: right;">to sustain a loss or making an improper personal financial gain for such</div>
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      <tr>
        <td style="width: 22.45%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 2.04%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 4.08%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 65.3%; vertical-align: bottom;">
          <div style="text-align: right;">person or any other person.</div>
        </td>
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      <tr>
        <td style="width: 22.45%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 2.04%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
          <div>In order for coverage to apply under this INSURING CLAUSE, all <font style="font-weight: bold;">Voice Initiated</font></div>
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      <tr>
        <td style="width: 22.45%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 2.04%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
          <div><font style="font-weight: bold;">Funds Transfer Instructions </font>must be received and processed in accordance with</div>
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      <tr>
        <td style="width: 22.45%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 2.04%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
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        <td style="width: 22.45%; vertical-align: bottom; border-bottom: #000000 2px solid;">
          <div style="font-size: 12pt;">&#160;</div>
        </td>
        <td style="width: 6.12%; vertical-align: bottom; border-bottom: #000000 2px solid;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 2.04%; vertical-align: bottom; border-bottom: #000000 2px solid;">
          <div style="font-size: 12pt;">&#160;</div>
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      <tr>
        <td colspan="5" style="width: 100%; vertical-align: middle;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td colspan="5" style="width: 100%; vertical-align: middle;">
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        <td style="width: 22.45%; vertical-align: bottom;">
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          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 22.45%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 2.04%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 22.45%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 2.04%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 4.08%; vertical-align: bottom;">
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        <td style="width: 65.3%; vertical-align: bottom;">
          <div style="text-align: right;">redemptions or withdrawals to be permitted,</div>
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        <td colspan="5" style="width: 100%; vertical-align: middle;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 22.45%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 2.04%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 4.08%; vertical-align: bottom;">
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          <div style="text-align: right;">shares to be issued, or</div>
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        <td colspan="5" style="width: 100%; vertical-align: middle;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 22.45%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 2.04%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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          <div style="text-align: right;">dividends to be paid,</div>
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      <tr>
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        <td colspan="5" style="width: 100%; vertical-align: middle;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 22.45%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 2.04%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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          <div>In order for coverage to apply under this INSURING CLAUSE, the ASSURED</div>
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        <td style="width: 22.45%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 2.04%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 22.45%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 2.04%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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          <div>APPLICATION before permitting any redemptions or withdrawals, issuing any</div>
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          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 2.04%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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          <div>shares or paying any dividends with respect to such <font style="font-weight: bold;">Items of Deposit</font>.</div>
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        <td colspan="5" style="width: 100%; vertical-align: middle;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 22.45%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 2.04%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 6.12%; vertical-align: bottom; border-bottom: #000000 2px solid;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 2.04%; vertical-align: bottom; border-bottom: #000000 2px solid;">
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          <div>standard collection procedures have failed.</div>
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          <div style="font-size: 12pt;">&#160;</div>
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          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 2.04%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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          <div>examinations required by any governmental regulatory authority or self-regulatory</div>
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        <td style="width: 22.45%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 2.04%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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          <div>organization to be conducted by such authority, organization or their appointee by</div>
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          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 2.04%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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          <div>reason of the discovery of loss sustained by the ASSURED and covered by this</div>
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          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 6.12%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 2.04%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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        <td style="width: 44.45%; vertical-align: bottom;">
          <div style="font-size: 12pt;">&#160;</div>
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          <div style="font-size: 8pt;">Page 4 of 19</div>
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          <td style="width: 4.16%; vertical-align: bottom;">
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          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 65.62%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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            <div style="font-size: 12pt;">&#160;</div>
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            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.16%; vertical-align: bottom;">
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            <div style="font-style: italic;">Included As Assured</div>
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          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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            <div>them is included as the ASSURED herein:</div>
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          <td style="width: 23.97%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 2.08%; vertical-align: bottom;">
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          <td style="width: 65.62%; vertical-align: bottom;">
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          </td>
        </tr>
        <tr>
          <td style="width: 23.97%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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            <div style="text-align: right;">sustained by any one or more or all of them shall not exceed the limit for</div>
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          <td style="width: 23.97%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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            <div style="text-align: right;">which the COMPANY would be liable under this Bond if all such loss were</div>
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          <td style="width: 23.97%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 65.62%; vertical-align: bottom;">
            <div>sustained by any one of them.</div>
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            <div style="font-size: 12pt;">&#160;</div>
          </td>
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          <td style="width: 23.97%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.16%; vertical-align: bottom;">
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          <td style="width: 65.62%; vertical-align: bottom;">
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          <td style="width: 23.97%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 65.62%; vertical-align: bottom;">
            <div style="text-align: right;">others for all purposes under this Bond, including but not limited to the giving</div>
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        <tr>
          <td style="width: 23.97%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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        <tr>
          <td style="width: 23.97%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 65.62%; vertical-align: bottom;">
            <div style="text-align: right;">effecting or accepting any amendments to or termination of this Bond. The</div>
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          <td style="width: 23.97%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 65.62%; vertical-align: bottom;">
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          <td style="width: 23.97%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 65.62%; vertical-align: bottom;">
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          <td style="width: 23.97%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 65.62%; vertical-align: bottom;">
            <div style="text-align: right;">filing of claim by any other named ASSURED and notification of the terms of</div>
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        <tr>
          <td style="width: 23.97%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 65.62%; vertical-align: bottom;">
            <div style="text-align: right;">the settlement of each such claim prior to the execution of such settlement.</div>
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        <tr>
          <td colspan="5" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 23.97%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
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          <td style="width: 2.08%; vertical-align: bottom;">
            <div>)</div>
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          <td style="width: 65.62%; vertical-align: bottom;">
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        <tr>
          <td style="width: 23.97%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 65.62%; vertical-align: bottom;">
            <div style="text-align: right;">payment made hereunder to the first named ASSURED.</div>
          </td>
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        <tr>
          <td colspan="5" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 23.97%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
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          <td style="width: 2.08%; vertical-align: bottom;">
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          <td style="width: 65.62%; vertical-align: bottom;">
            <div style="text-align: right;">Knowledge possessed or discovery made by any partner, director, trustee,</div>
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        <tr>
          <td style="width: 23.97%; vertical-align: bottom;">
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          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 65.62%; vertical-align: bottom;">
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          </td>
        </tr>
        <tr>
          <td style="width: 23.97%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 65.62%; vertical-align: bottom;">
            <div style="text-align: right;">or discovery by all the ASSUREDS for the purposes of this Bond.</div>
          </td>
        </tr>
        <tr>
          <td colspan="5" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 23.97%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
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          <td style="width: 2.08%; vertical-align: bottom;">
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          <td style="width: 65.62%; vertical-align: bottom;">
            <div style="text-align: right;">If the first named ASSURED ceases for any reason to be covered under this</div>
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        <tr>
          <td style="width: 23.97%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 65.62%; vertical-align: bottom;">
            <div style="text-align: right;">Bond, then the ASSURED next named on the APPLICATION shall thereafter</div>
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        <tr>
          <td style="width: 23.97%; vertical-align: bottom; border-bottom: #000000 2px solid;">
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          <td style="width: 4.16%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 65.62%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="text-align: right;">be considered as the first named ASSURED for the purposes of this Bond.</div>
          </td>
        </tr>
        <tr>
          <td colspan="5" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td colspan="5" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
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        <tr>
          <td style="width: 23.97%; vertical-align: bottom;">
            <div style="font-style: italic;">Representation Made By</div>
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          <td style="width: 4.16%; vertical-align: bottom;">
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          <td colspan="3" style="width: 71.86%; vertical-align: bottom;">
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        <tr>
          <td style="width: 23.97%; vertical-align: bottom;">
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          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td colspan="3" style="width: 71.86%; vertical-align: bottom;">
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        <tr>
          <td style="width: 23.97%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td colspan="3" style="width: 71.86%; vertical-align: bottom;">
            <div style="text-align: right;">APPLICATION and other information constitute part of this Bond.</div>
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        <tr>
          <td colspan="5" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 23.97%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td colspan="3" style="width: 71.86%; vertical-align: bottom;">
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        <tr>
          <td style="width: 23.97%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td colspan="3" style="width: 71.86%; vertical-align: bottom;">
            <div style="text-align: right;">circumstance which materially affects the risk assumed by the COMPANY under</div>
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        <tr>
          <td style="width: 23.97%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td colspan="3" style="width: 71.86%; vertical-align: bottom;">
            <div style="text-align: right;">this Bond.</div>
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        <tr>
          <td colspan="5" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
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        <tr>
          <td style="width: 23.97%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td colspan="3" style="width: 71.86%; vertical-align: bottom;">
            <div style="text-align: right;">Any intentional misrepresentation, omission, concealment or incorrect statement of</div>
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        <tr>
          <td style="width: 23.97%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td colspan="3" style="width: 71.86%; vertical-align: bottom;">
            <div style="text-align: right;">a material fact, in the APPLICATION or otherwise, shall be grounds for recision of</div>
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        <tr>
          <td style="width: 23.97%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td colspan="3" style="width: 71.86%; vertical-align: bottom;">
            <div style="text-align: right;">this Bond.</div>
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        <tr>
          <td style="width: 55.55%; vertical-align: middle;">&#160;</td>
          <td style="width: 44.45%; vertical-align: middle;">&#160;</td>
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        <tr>
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            <div style="font-size: 8pt;">ICAP Bond (5-98)</div>
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          <td style="width: 44.45%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 55.55%; vertical-align: bottom;">
            <div style="font-size: 8pt;">Form 17-02-1421 (Ed. 5-98)</div>
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          <td style="width: 44.45%; vertical-align: bottom;">
            <div style="font-size: 8pt;">Page 5 of 19</div>
          </td>
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  <div style="font-size: 12pt;"> <br>
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          <td style="width: 24.75%; vertical-align: middle;">&#160;</td>
          <td style="width: 3.1%; vertical-align: middle;">&#160;</td>
          <td style="width: 6.18%; vertical-align: middle;">&#160;</td>
          <td style="width: 2.06%; vertical-align: middle;">&#160;</td>
          <td style="width: 63.92%; vertical-align: middle;">&#160;</td>
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          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 6.18%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.06%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 63.92%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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            <div style="font-style: italic;">(continued)</div>
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          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 6.18%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.06%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 63.92%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
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        <tr>
          <td colspan="5" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td colspan="5" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
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        <tr>
          <td style="width: 24.75%; vertical-align: bottom;">
            <div style="font-style: italic;">Additional Offices Or</div>
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          <td style="width: 3.1%; vertical-align: bottom;">
            <div>C.</div>
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          <td colspan="3" style="width: 72.15%; vertical-align: bottom;">
            <div style="text-align: right;">If the ASSURED, other than an <font style="font-weight: bold;">Investment Company</font>, while this Bond is in force,</div>
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          <td style="width: 24.75%; vertical-align: bottom;">
            <div style="font-style: italic;">Employees - Consolidation,</div>
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          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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        <tr>
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            <div style="font-style: italic;">Merger Or Purchase Or</div>
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          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td colspan="3" style="width: 72.15%; vertical-align: bottom;">
            <div style="text-align: right;">another institution, the ASSURED shall not have the coverage afforded under this</div>
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        <tr>
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            <div style="font-style: italic;">Acquisition Of Assets Or</div>
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          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td colspan="3" style="width: 72.15%; vertical-align: bottom;">
            <div style="text-align: right;">Bond for loss which has:</div>
          </td>
        </tr>
        <tr>
          <td style="width: 24.75%; vertical-align: bottom;">
            <div style="font-style: italic;">Liabilities - Notice To</div>
          </td>
          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 6.18%; vertical-align: bottom;">
            <div style="text-align: right;">(1</div>
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          <td style="width: 2.06%; vertical-align: bottom;">
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          <td style="width: 63.92%; vertical-align: bottom;">
            <div style="text-align: right;">occurred or will occur on premises, or</div>
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        <tr>
          <td style="width: 24.75%; vertical-align: bottom;">
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          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 6.18%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.06%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 63.92%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 24.75%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 6.18%; vertical-align: bottom;">
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          <td style="width: 63.92%; vertical-align: bottom;">
            <div style="text-align: right;">been caused or will be caused by an employee, or</div>
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            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 6.18%; vertical-align: bottom;">
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          <td style="width: 2.06%; vertical-align: bottom;">
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          <td style="width: 63.92%; vertical-align: bottom;">
            <div>arisen or will arise out of the assets or liabilities,</div>
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        <tr>
          <td style="width: 24.75%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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            <div style="text-align: right;">of such institution, unless the ASSURED:</div>
          </td>
        </tr>
        <tr>
          <td style="width: 24.75%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 2.06%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 63.92%; vertical-align: bottom;">
            <div style="text-align: right;">gives the COMPANY written notice of the proposed consolidation, merger or</div>
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          <td style="width: 24.75%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 6.18%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.06%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 63.92%; vertical-align: bottom;">
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          <td style="width: 24.75%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 6.18%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.06%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 63.92%; vertical-align: bottom;">
            <div style="text-align: right;">date of such action, and</div>
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        </tr>
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          <td style="width: 24.75%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 6.18%; vertical-align: bottom;">
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          <td style="width: 2.06%; vertical-align: bottom;">
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        <tr>
          <td style="width: 24.75%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 6.18%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.06%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 63.92%; vertical-align: bottom;">
            <div style="text-align: right;">coverage provided by this Bond to such additional exposure, and</div>
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        <tr>
          <td style="width: 24.75%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 3.1%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 6.18%; vertical-align: bottom; border-bottom: #000000 2px solid;">
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          <td style="width: 2.06%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 63.92%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="text-align: right;">on obtaining such consent, pays to the COMPANY an additional premium.</div>
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        <tr>
          <td colspan="5" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td colspan="5" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
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        </tr>
        <tr>
          <td style="width: 24.75%; vertical-align: bottom;">
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          <td style="width: 3.1%; vertical-align: bottom;">
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        <tr>
          <td style="width: 24.75%; vertical-align: bottom;">
            <div style="font-style: italic;">Notice To Company</div>
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          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td colspan="3" style="width: 72.15%; vertical-align: bottom;">
            <div style="text-align: right;"><font style="font-weight: bold;">Company</font>), as set forth in Section 2(a) (9) of the Investment Company Act of</div>
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        <tr>
          <td style="width: 24.75%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 6.18%; vertical-align: bottom;">
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          <td style="width: 2.06%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 63.92%; vertical-align: bottom;">
            <div style="text-align: right;">the ASSURED shall within sixty (60) days give written notice to the</div>
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        <tr>
          <td style="width: 24.75%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td colspan="3" style="width: 72.15%; vertical-align: bottom;">
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          <td style="width: 24.75%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 6.18%; vertical-align: bottom;">
            <div style="text-align: right;">(1</div>
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          <td style="width: 2.06%; vertical-align: bottom;">
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          <td style="width: 63.92%; vertical-align: bottom;">
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          <td style="width: 24.75%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 6.18%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.06%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 63.92%; vertical-align: bottom;">
            <div style="text-align: right;">owners if the voting securities are registered in another name),</div>
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        <tr>
          <td style="width: 24.75%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 6.18%; vertical-align: bottom;">
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          <td style="width: 2.06%; vertical-align: bottom;">
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          <td style="width: 63.92%; vertical-align: bottom;">
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          <td style="width: 24.75%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 6.18%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.06%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 63.92%; vertical-align: bottom;">
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          <td style="width: 24.75%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 6.18%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.06%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 63.92%; vertical-align: bottom;">
            <div>transfer, and</div>
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          <td style="width: 24.75%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 6.18%; vertical-align: bottom;">
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          <td style="width: 2.06%; vertical-align: bottom;">
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          <td style="width: 63.92%; vertical-align: bottom;">
            <div style="text-align: right;">the total number of outstanding voting securities.</div>
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        <tr>
          <td style="width: 24.75%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td colspan="3" style="width: 72.15%; vertical-align: bottom;">
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        <tr>
          <td style="width: 24.75%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 3.1%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td colspan="3" style="width: 72.15%; vertical-align: bottom; border-bottom: #000000 2px solid;">
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        <tr>
          <td colspan="5" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
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        <tr>
          <td colspan="5" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
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        <tr>
          <td style="width: 24.75%; vertical-align: bottom;">
            <div style="font-style: italic;">Court Costs And</div>
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          <td colspan="3" style="width: 72.15%; vertical-align: bottom;">
            <div style="text-align: right;">The COMPANY will indemnify the ASSURED for court costs and reasonable</div>
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          <td style="width: 24.75%; vertical-align: bottom;">
            <div style="font-style: italic;">Attorneys&#8217; Fees</div>
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          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td colspan="3" style="width: 72.15%; vertical-align: bottom;">
            <div style="text-align: right;">attorneys' fees incurred and paid by the ASSURED in defense, whether or not</div>
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        <tr>
          <td style="width: 24.75%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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            <div style="text-align: right;">successful, whether or not fully litigated on the merits and whether or not settled,</div>
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        <tr>
          <td style="width: 24.75%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td colspan="3" style="width: 72.15%; vertical-align: bottom;">
            <div style="text-align: right;">of any claim, suit or legal proceeding with respect to which the ASSURED would</div>
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          <td style="width: 24.75%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td colspan="3" style="width: 72.15%; vertical-align: bottom;">
            <div style="text-align: right;">be entitled to recovery under this Bond. However, with respect to INSURING</div>
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        <tr>
          <td style="width: 24.75%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td colspan="3" style="width: 72.15%; vertical-align: bottom;">
            <div>CLAUSE 1., this Section shall only apply in the event that:</div>
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          <td style="width: 24.75%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 6.18%; vertical-align: bottom;">
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          <td style="width: 2.06%; vertical-align: bottom;">
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            <div>an <font style="font-weight: bold;">Employee </font>admits to being guilty of <font style="font-weight: bold;">Larceny or Embezzlement</font>,</div>
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          <td style="width: 24.75%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 3.1%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 6.18%; vertical-align: bottom;">
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          <td style="width: 2.06%; vertical-align: bottom;">
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            <div style="text-align: right;">an <font style="font-weight: bold;">Employee </font>is adjudicated to be guilty of <font style="font-weight: bold;">Larceny or Embezzlement</font>, or</div>
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            <div style="font-size: 8pt;">ICAP Bond (5-98)</div>
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          <td style="width: 44.45%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 55.55%; vertical-align: bottom;">
            <div style="font-size: 8pt;">Form 17-02-1421 (Ed. 5-98)</div>
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            <div style="font-size: 8pt;">Page 6 of 19</div>
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            <td style="width: 26.26%; vertical-align: middle;">&#160;</td>
            <td style="width: 7.08%; vertical-align: middle;">&#160;</td>
            <td style="width: 66.66%; vertical-align: middle;">&#160;</td>
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          <tr>
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              <div style="font-size: 12pt; font-style: italic; font-weight: bold;">General Agreements</div>
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            <td style="width: 7.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 66.66%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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          <tr>
            <td colspan="3" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="3" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
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          <tr>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-style: italic;">Court Costs And</div>
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              <div>(3)</div>
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              <div style="text-align: right;">in the absence of 1 or 2 above, an arbitration panel agrees, after a review of</div>
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          <tr>
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              <div style="font-style: italic;">Attorneys&#8217; Fees</div>
            </td>
            <td style="width: 7.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 66.66%; vertical-align: bottom;">
              <div style="text-align: right;">an agreed statement of facts between the COMPANY and the ASSURED,</div>
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              <div style="font-style: italic;">(continued)</div>
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            <td style="width: 7.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 66.66%; vertical-align: bottom;">
              <div style="text-align: right;">that an <font style="font-weight: bold;">Employee </font>would be found guilty of <font style="font-weight: bold;">Larceny or Embezzlement </font>if</div>
            </td>
          </tr>
          <tr>
            <td colspan="3" style="width: 100%; vertical-align: bottom;">
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          <tr>
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              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
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              <div>The ASSURED shall promptly give notice to the COMPANY of any such suit or</div>
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          <tr>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div>legal proceeding and at the request of the COMPANY shall furnish copies of all</div>
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          <tr>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div>pleadings and pertinent papers to the COMPANY. The COMPANY may, at its</div>
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          <tr>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="2" style="width: 73.74%; vertical-align: bottom;">
              <div>sole option, elect to conduct the defense of all or part of such legal proceeding.</div>
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          <tr>
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              <div style="font-size: 12pt;">&#160;</div>
            </td>
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              <div>The defense by the COMPANY shall be in the name of the ASSURED through</div>
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          <tr>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div>attorneys selected by the COMPANY. The ASSURED shall provide all reasonable</div>
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          <tr>
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              <div style="font-size: 12pt;">&#160;</div>
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              <div>information and assistance as required by the COMPANY for such defense.</div>
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          <tr>
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              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="2" style="width: 73.74%; vertical-align: bottom;">
              <div>If the COMPANY declines to defend the ASSURED, no settlement without the</div>
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          <tr>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="2" style="width: 73.74%; vertical-align: bottom;">
              <div>prior written consent of the COMPANY nor judgment against the ASSURED shall</div>
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          <tr>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div>determine the existence, extent or amount of coverage under this Bond.</div>
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          <tr>
            <td colspan="3" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
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          <tr>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div>If the amount demanded in any such suit or legal proceeding is within the</div>
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          <tr>
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              <div style="font-size: 12pt;">&#160;</div>
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              <div>DEDUCTIBLE AMOUNT, if any, the COMPANY shall have no liability for court</div>
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          <tr>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
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              <div>costs and attorney's fees incurred in defending all or part of such suit or legal</div>
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          </tr>
          <tr>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div>proceeding.</div>
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          <tr>
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              <div style="font-size: 12pt;">&#160;</div>
            </td>
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          <tr>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="2" style="width: 73.74%; vertical-align: bottom;">
              <div>If the amount demanded in any such suit or legal proceeding is in excess of the</div>
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            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 73.74%; vertical-align: bottom;">
              <div>LIMIT OF LIABILITY stated in ITEM 2. of the DECLARATIONS for the applicable</div>
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          <tr>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="2" style="width: 73.74%; vertical-align: bottom;">
              <div>INSURING CLAUSE, the COMPANY'S liability for court costs and attorney's fees</div>
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          <tr>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 73.74%; vertical-align: bottom;">
              <div>incurred in defending all or part of such suit or legal proceedings is limited to the</div>
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          <tr>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="2" style="width: 73.74%; vertical-align: bottom;">
              <div>proportion of such court costs and attorney's fees incurred that the LIMIT OF</div>
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          <tr>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 73.74%; vertical-align: bottom;">
              <div>LIABILITY stated in ITEM 2. of the DECLARATIONS for the applicable INSURING</div>
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          <tr>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 73.74%; vertical-align: bottom;">
              <div>CLAUSE bears to the total of the amount demanded in such suit or legal</div>
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          <tr>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="2" style="width: 73.74%; vertical-align: bottom;">
              <div>proceeding.</div>
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          <tr>
            <td colspan="3" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 73.74%; vertical-align: bottom;">
              <div>If the amount demanded is any such suit or legal proceeding is in excess of the</div>
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          <tr>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 73.74%; vertical-align: bottom;">
              <div>DEDUCTIBLE AMOUNT, if any, but within the LIMIT OF LIABILITY stated in ITEM</div>
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          <tr>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 7.08%; vertical-align: bottom;">
              <div>2.</div>
            </td>
            <td style="width: 66.66%; vertical-align: bottom;">
              <div style="text-align: right;">of the DECLARATIONS for the applicable INSURING CLAUSE, the</div>
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          </tr>
          <tr>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 73.74%; vertical-align: bottom;">
              <div>COMPANY'S liability for court costs and attorney's fees incurred in defending all or</div>
            </td>
          </tr>
          <tr>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 73.74%; vertical-align: bottom;">
              <div>part of such suit or legal proceedings shall be limited to the proportion of such</div>
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          <tr>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 73.74%; vertical-align: bottom;">
              <div>court costs or attorney's fees that the amount demanded that would be payable</div>
            </td>
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          <tr>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 73.74%; vertical-align: bottom;">
              <div>under this Bond after application of the DEDUCTIBLE AMOUNT, bears to the total</div>
            </td>
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          <tr>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 73.74%; vertical-align: bottom;">
              <div>amount demanded.</div>
            </td>
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          <tr>
            <td colspan="3" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
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          <tr>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 73.74%; vertical-align: bottom;">
              <div>Amounts paid by the COMPANY for court costs and attorneys' fees shall be in</div>
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          <tr>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 73.74%; vertical-align: bottom;">
              <div>addition to the LIMIT OF LIABILITY stated in ITEM 2. of the DECLARATIONS.</div>
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      <div style="font-size: 12pt;">&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="zd3ad3df3abb34cebb13b8cd1b4dbc470">

          <tr>
            <td style="width: 55.55%; vertical-align: middle;">&#160;</td>
            <td style="width: 44.45%; vertical-align: middle;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 55.55%; vertical-align: bottom;">
              <div style="font-size: 8pt;">ICAP Bond (5-98)</div>
            </td>
            <td style="width: 44.45%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 55.55%; vertical-align: bottom;">
              <div style="font-size: 8pt;">Form 17-02-1421 (Ed. 5-98)</div>
            </td>
            <td style="width: 44.45%; vertical-align: bottom;">
              <div style="font-size: 8pt;">Page 7 of 19</div>
            </td>
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  </div>
  <div style="font-size: 12pt;"> <br>
  </div>
  <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 59.38%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
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          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt; font-style: italic; font-weight: bold;">Limitations</div>
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          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 59.38%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
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          <td colspan="7" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td colspan="7" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
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        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-style: italic;">Definitions</div>
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          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="text-align: right;">1</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div>.</div>
          </td>
          <td colspan="4" style="width: 69.79%; vertical-align: bottom;">
            <div>As used in this Bond:</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div>a.</div>
          </td>
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            <div><font style="font-weight: bold;">Computer System </font>means a computer and all input, output, processing,</div>
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        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td colspan="3" style="width: 65.62%; vertical-align: bottom;">
            <div>storage, off-line media libraries, and communication facilities which are</div>
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          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
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            <div>connected to the computer and which are under the control and supervision</div>
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          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
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            <div>of the operating system(s) or application(s) software used by the ASSURED.</div>
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        <tr>
          <td colspan="7" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div>b.</div>
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          <td colspan="3" style="width: 65.62%; vertical-align: bottom;">
            <div><font style="font-weight: bold;">Counterfeit </font>means an imitation of an actual valid original which is intended</div>
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        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
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            <div>to deceive and be taken as the original.</div>
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        <tr>
          <td colspan="7" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div>c.</div>
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          <td colspan="3" style="width: 65.62%; vertical-align: bottom;">
            <div><font style="font-weight: bold;">Custodian </font>means the institution designated by an <font style="font-weight: bold;">Investment Company </font>to</div>
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          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
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            <div>maintain possession and control of its assets.</div>
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          <td colspan="7" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div>d.</div>
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          <td colspan="3" style="width: 65.62%; vertical-align: bottom;">
            <div><font style="font-weight: bold;">Customer </font>means an individual, corporate, partnership, trust customer,</div>
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        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td colspan="3" style="width: 65.62%; vertical-align: bottom;">
            <div>shareholder or subscriber of an <font style="font-weight: bold;">Investment Company </font>which has a written</div>
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        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td colspan="3" style="width: 65.62%; vertical-align: bottom;">
            <div>agreement with the ASSURED for <font style="font-weight: bold;">Voice Initiated Funds Transfer</font></div>
          </td>
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        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td colspan="3" style="width: 65.62%; vertical-align: bottom;">
            <div><font style="font-weight: bold;">Instruction</font>.</div>
          </td>
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        <tr>
          <td colspan="7" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div>e.</div>
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            <div><font style="font-weight: bold;">Employee </font>means:</div>
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        </tr>
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          <td colspan="7" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
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        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="text-align: right;">(1</div>
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          <td style="width: 2.08%; vertical-align: bottom;">
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          <td style="width: 59.38%; vertical-align: bottom;">
            <div>an officer of the ASSURED,</div>
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        </tr>
        <tr>
          <td colspan="7" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.16%; vertical-align: bottom;">
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          <td style="width: 2.08%; vertical-align: bottom;">
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          <td style="width: 59.38%; vertical-align: bottom;">
            <div>a natural person while in the regular service of the ASSURED at any of</div>
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        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 59.38%; vertical-align: bottom;">
            <div>the ASSURED'S premises and compensated directly by the ASSURED</div>
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        </tr>
        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
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          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
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          </td>
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            <div style="font-size: 12pt;">&#160;</div>
          </td>
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          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 59.38%; vertical-align: bottom;">
            <div>through its payroll system and subject to the United States Internal</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
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          </td>
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          </td>
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          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 59.38%; vertical-align: bottom;">
            <div>Revenue Service Form W-2 or equivalent income reporting plans of</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
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          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 59.38%; vertical-align: bottom;">
            <div>other countries, and whom the ASSURED has the right to control and</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 59.38%; vertical-align: bottom;">
            <div>direct both as to the result to be accomplished and details and means</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 59.38%; vertical-align: bottom;">
            <div>by which such result is accomplished in the performance of such</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 59.38%; vertical-align: bottom;">
            <div>service,</div>
          </td>
        </tr>
        <tr>
          <td colspan="7" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="text-align: right;">(3</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div>)</div>
          </td>
          <td style="width: 59.38%; vertical-align: bottom;">
            <div>a guest student pursuing studies or performing duties in any of the</div>
          </td>
        </tr>
        <tr>
          <td colspan="7" style="width: 100%; vertical-align: bottom;">
            <div style="text-align: center;">ASSURED'S premises,</div>
          </td>
        </tr>
        <tr>
          <td colspan="7" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="text-align: right;">(4</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div>)</div>
          </td>
          <td style="width: 59.38%; vertical-align: bottom;">
            <div>an attorney retained by the ASSURED and an employee of such</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 59.38%; vertical-align: bottom;">
            <div>attorney while either is performing legal services for the ASSURED,</div>
          </td>
        </tr>
        <tr>
          <td colspan="7" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="text-align: right;">(5</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div>)</div>
          </td>
          <td style="width: 59.38%; vertical-align: bottom;">
            <div>a natural person provided by an employment contractor to perform</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 59.38%; vertical-align: bottom;">
            <div>employee duties for the ASSURED under the ASSURED'S supervision</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 59.38%; vertical-align: bottom;">
            <div>at any of the ASSURED'S premises,</div>
          </td>
        </tr>
        <tr>
          <td colspan="7" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="text-align: right;">(6</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div>)</div>
          </td>
          <td style="width: 59.38%; vertical-align: bottom;">
            <div>an employee of an institution merged or consolidated with the</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 59.38%; vertical-align: bottom;">
            <div>ASSURED prior to the effective date of this Bond,</div>
          </td>
        </tr>
        <tr>
          <td colspan="7" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="text-align: right;">(7</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div>)</div>
          </td>
          <td style="width: 59.38%; vertical-align: bottom;">
            <div>a director or trustee of the ASSURED, but only while performing acts</div>
          </td>
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          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 59.38%; vertical-align: bottom;">
            <div>within the scope of the customary and usual duties of any officer or</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 59.38%; vertical-align: bottom;">
            <div>other employee of the ASSURED or while acting as a member of any</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 59.38%; vertical-align: bottom;">
            <div>committee duly elected or appointed to examine or audit or have</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.84%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 7.29%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.16%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 59.38%; vertical-align: bottom;">
            <div>custody of or access to <font style="font-weight: bold;">Property </font>of the ASSURED, or</div>
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        </tr>

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    <div style="font-size: 12pt;">&#160;</div>
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        <tr>
          <td style="width: 55.55%; vertical-align: middle;">&#160;</td>
          <td style="width: 44.45%; vertical-align: middle;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 55.55%; vertical-align: bottom;">
            <div style="font-size: 8pt;">ICAP Bond (5-98)</div>
          </td>
          <td style="width: 44.45%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 55.55%; vertical-align: bottom;">
            <div style="font-size: 8pt;">Form 17-02-1421 (Ed. 5-98)</div>
          </td>
          <td style="width: 44.45%; vertical-align: bottom;">
            <div style="font-size: 8pt;">Page 8 of 19</div>
          </td>
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    <div style="font-size: 12pt;">&#160;</div>
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            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 60.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt; font-style: italic; font-weight: bold;">Limitations</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 60.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-style: italic;">Definitions</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="text-align: right;">(8</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div>)</div>
            </td>
            <td colspan="2" style="width: 64.28%; vertical-align: bottom;">
              <div>each natural person, partnership or corporation authorized by written</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-style: italic;">(continued)</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 64.28%; vertical-align: bottom;">
              <div>agreement with the ASSURED to perform services as electronic data</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 64.28%; vertical-align: bottom;">
              <div>processor of checks or other accounting records related to such checks but</div>
            </td>
          </tr>
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            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 2.04%; vertical-align: bottom;">
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            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="2" style="width: 64.28%; vertical-align: bottom;">
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            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 4.08%; vertical-align: bottom;">
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            <td style="width: 23.47%; vertical-align: bottom;">
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            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div>computer software or programs, or</div>
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            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
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          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 4.08%; vertical-align: bottom;">
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            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 60.2%; vertical-align: bottom;">
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            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
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          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div style="text-align: right;">(9</div>
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              <div>)</div>
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              <div>any partner, officer or employee of an investment advisor, an underwriter</div>
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          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="2" style="width: 64.28%; vertical-align: bottom;">
              <div>(distributor), a transfer agent or shareholder accounting recordkeeper, or an</div>
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            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="2" style="width: 64.28%; vertical-align: bottom;">
              <div>administrator, for an <font style="font-weight: bold;">Investment Company </font>while performing acts coming</div>
            </td>
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          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div>within the scope of the customary and usual duties of an officer or employee</div>
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            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="2" style="width: 64.28%; vertical-align: bottom;">
              <div>of an <font style="font-weight: bold;">Investment Company </font>or acting as a member of any committee duly</div>
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          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="2" style="width: 64.28%; vertical-align: bottom;">
              <div>elected or appointed to examine, audit or have custody of or access to</div>
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            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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          <tr>
            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="2" style="width: 64.28%; vertical-align: bottom;">
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            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="2" style="width: 64.28%; vertical-align: bottom;">
              <div>transfer agent, shareholder accounting recordkeeper or administrator:</div>
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          <tr>
            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
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            <td style="width: 60.2%; vertical-align: bottom;">
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            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 60.2%; vertical-align: bottom;">
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            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 60.2%; vertical-align: bottom;">
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          <tr>
            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
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            <td style="width: 60.2%; vertical-align: bottom;">
              <div style="text-align: right;">which is a "bank" (as defined in Section 2(a) of the Investment</div>
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          <tr>
            <td colspan="5" style="width: 100%; vertical-align: bottom;">
              <div style="text-align: center;">Company Act of 1940).</div>
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          </tr>
          <tr>
            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 60.2%; vertical-align: bottom;">
              <div style="text-align: right;">This Bond does not afford coverage in favor of the employers of</div>
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          </tr>
          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 60.2%; vertical-align: bottom;">
              <div style="text-align: right;">the ASSURED by the COMPANY resulting directly from <font style="font-weight: bold;">Larceny or</font></div>
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          </tr>
          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 60.2%; vertical-align: bottom;">
              <div style="text-align: right;"><font style="font-weight: bold;">Embezzlement </font>committed by any of the partners, officers or</div>
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          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 60.2%; vertical-align: bottom;">
              <div style="text-align: right;">employees of such employers, whether acting alone or in collusion with</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 60.2%; vertical-align: bottom;">
              <div style="text-align: right;">others, an assignment of such of the ASSURED'S rights and causes of</div>
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          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 60.2%; vertical-align: bottom;">
              <div style="text-align: right;">action as it may have against such employers by reason of such acts</div>
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          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 60.2%; vertical-align: bottom;">
              <div style="text-align: right;">so committed shall, to the extent of such payment, be given by the</div>
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          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 60.2%; vertical-align: bottom;">
              <div style="text-align: right;">ASSURED to the COMPANY, and the ASSURED shall execute all</div>
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          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 60.2%; vertical-align: bottom;">
              <div style="text-align: right;">papers necessary to secure to the COMPANY the rights provided for</div>
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          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 60.2%; vertical-align: bottom;">
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          <tr>
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              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 64.28%; vertical-align: bottom;">
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          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 64.28%; vertical-align: bottom;">
              <div>partners, officers and other employees of such employers shall collectively</div>
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          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="2" style="width: 64.28%; vertical-align: bottom;">
              <div>be deemed to be one person for all the purposes of this Bond; excepting,</div>
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          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 64.28%; vertical-align: bottom;">
              <div>however, the fifth paragraph of Section 13.</div>
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          <tr>
            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 64.28%; vertical-align: bottom;">
              <div>Independent contractors not specified in e.(4), (5) or (8) above,</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 64.28%; vertical-align: bottom;">
              <div>intermediaries, agents, brokers or other representatives of the same general</div>
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          </tr>
          <tr>
            <td style="width: 23.47%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 64.28%; vertical-align: bottom;">
              <div>character shall not be considered <font style="font-weight: bold;">Employees</font>.</div>
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      <div style="font-size: 12pt;">&#160;</div>
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          <tr>
            <td style="width: 55.55%; vertical-align: middle;">&#160;</td>
            <td style="width: 44.45%; vertical-align: middle;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 55.55%; vertical-align: bottom;">
              <div style="font-size: 8pt;">ICAP Bond (5-98)</div>
            </td>
            <td style="width: 44.45%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 55.55%; vertical-align: bottom;">
              <div style="font-size: 8pt;">Form 17-02-1421 (Ed. 5-98)</div>
            </td>
            <td style="width: 44.45%; vertical-align: bottom;">
              <div style="font-size: 8pt;">Page 9 of 19</div>
            </td>
          </tr>

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    </div>
  </div>
  <div style="font-size: 12pt;"> <br>
  </div>
  <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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            <div style="font-size: 12pt; font-style: italic; font-weight: bold;">Conditions and</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt; font-style: italic; font-weight: bold;">Limitations</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
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        <tr>
          <td colspan="3" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
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        <tr>
          <td colspan="3" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-style: italic;">Definitions</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div>f.</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div><font style="font-weight: bold;">Forgery </font>means the signing of the name of another natural person with the</div>
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        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-style: italic;">(continued)</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>intent to deceive but does not mean a signature which consists in whole or in</div>
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          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>part of one's own name, with or without authority, in any capacity for any</div>
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        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>purpose.</div>
          </td>
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        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div>g.</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div><font style="font-weight: bold;">Investment Company </font>means any investment company registered under the</div>
          </td>
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        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>Investment Company Act of 1940 and listed under the NAME OF ASSURED</div>
          </td>
        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>on the DECLARATIONS.</div>
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        <tr>
          <td colspan="3" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div>h.</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div><font style="font-weight: bold;">Items of Deposit </font>means one or more checks or drafts drawn upon a</div>
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          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>financial institution in the United States of America.</div>
          </td>
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        <tr>
          <td colspan="3" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
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          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div>i.</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div><font style="font-weight: bold;">Larceny or Embezzlement </font>means larceny or embezzlement as defined in</div>
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          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>Section 37 of the Investment Company Act of 1940.</div>
          </td>
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        <tr>
          <td colspan="3" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div>j.</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div><font style="font-weight: bold;">Property </font>means money, revenue and other stamps; securities; including any</div>
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          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 66.32%; vertical-align: bottom;">
            <div>note, stock, treasury stock, bond, debenture, evidence of indebtedness,</div>
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        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>certificate of deposit, certificate of interest or participation in any profit-</div>
          </td>
        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>sharing agreement, collateral trust certificate, preorganization certificate or</div>
          </td>
        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 66.32%; vertical-align: bottom;">
            <div>subscription, transferable share, investment contract, voting trust certificate,</div>
          </td>
        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>certificate of deposit for a security, fractional undivided interest in oil, gas, or</div>
          </td>
        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>other mineral rights, any interest or instruments commonly known as a</div>
          </td>
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          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 66.32%; vertical-align: bottom;">
            <div>security under the Investment Company Act of 1940, any other certificate of</div>
          </td>
        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>interest or participation in, temporary or interim certificate for, receipt for,</div>
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        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>guarantee of, or warrant or right to subscribe to or purchase any of the</div>
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        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>foregoing; bills of exchange; acceptances; checks; withdrawal orders; money</div>
          </td>
        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>orders; travelers' letters of credit; bills of lading; abstracts of title; insurance</div>
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          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>policies, deeds, mortgages on real estate and/or upon chattels and interests</div>
          </td>
        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>therein; assignments of such policies, deeds or mortgages; other valuable</div>
          </td>
        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>papers, including books of accounts and other records used by the</div>
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        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>ASSURED in the conduct of its business (but excluding all electronic data</div>
          </td>
        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>processing records); and, all other instruments similar to or in the nature of</div>
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        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>the foregoing in which the ASSURED acquired an interest at the time of the</div>
          </td>
        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>ASSURED'S consolidation or merger with, or purchase of the principal</div>
          </td>
        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>assets of, a predecessor or which are held by the ASSURED for any</div>
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        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>purpose or in any capacity and whether so held gratuitously or not and</div>
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        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>whether or not the ASSURED is liable therefor.</div>
          </td>
        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div>k.</div>
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          <td style="width: 66.32%; vertical-align: bottom;">
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          </td>
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        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>and any unmarried child supported wholly by, or living in the home of, such</div>
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        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div><font style="font-weight: bold;">Employee </font>or partner and being related to them by blood, marriage or legal</div>
          </td>
        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>guardianship.</div>
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        </tr>
        <tr>
          <td colspan="3" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div>l.</div>
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          <td style="width: 66.32%; vertical-align: bottom;">
            <div><font style="font-weight: bold;">Securities, documents or other written instruments </font>means original</div>
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        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>(including original counterparts) negotiable or non-negotiable instruments, or</div>
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        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>assignments thereof, which in and of themselves represent an equitable</div>
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        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>interest, ownership, or debt and which are in the ordinary course of business</div>
          </td>
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        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>transferable by delivery of such instruments with any necessary</div>
          </td>
        </tr>
        <tr>
          <td style="width: 23.47%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 10.21%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 66.32%; vertical-align: bottom;">
            <div>endorsements or assignments.</div>
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    <div style="font-size: 12pt;">&#160;</div>
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        <tr>
          <td style="width: 54.54%; vertical-align: middle;">&#160;</td>
          <td style="width: 45.46%; vertical-align: middle;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 54.54%; vertical-align: bottom;">
            <div style="font-size: 8pt;">ICAP Bond (5-98)</div>
          </td>
          <td style="width: 45.46%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 54.54%; vertical-align: bottom;">
            <div style="font-size: 8pt;">Form 17-02-1421 (Ed. 5-98)</div>
          </td>
          <td style="width: 45.46%; vertical-align: bottom;">
            <div style="font-size: 8pt;">Page 10 of 19</div>
          </td>
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    <div style="font-size: 12pt;">&#160;</div>
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            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
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          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt; font-style: italic; font-weight: bold;">Limitations</div>
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            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
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          <tr>
            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
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          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-style: italic;">Definitions</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div>m.</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div><font style="font-weight: bold;">Subsidiary </font>means any organization that, at the inception date of this Bond,</div>
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          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-style: italic;">(continued)</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div>is named in the APPLICATION or is created during the BOND PERIOD and</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div>of which more than fifty percent (50%) of the outstanding securities or voting</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div>rights representing the present right to vote for election of directors is owned</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div>or controlled by the ASSURED either directly or through one or more of its</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div>subsidiaries.</div>
            </td>
          </tr>
          <tr>
            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div>n.</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div><font style="font-weight: bold;">Transportation Company </font>means any organization which provides its own</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div>or its leased vehicles for transportation or which provides freight forwarding</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div>or air express services.</div>
            </td>
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          <tr>
            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div>o.</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div><font style="font-weight: bold;">Voice Initiated Election </font>means any election concerning dividend options</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div>available to <font style="font-weight: bold;">Investment Company </font>shareholders or subscribers which is</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div>requested by voice over the telephone.</div>
            </td>
          </tr>
          <tr>
            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div>p.</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div><font style="font-weight: bold;">Voice Initiated Redemption </font>means any redemption of shares issued by an</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div><font style="font-weight: bold;">Investment Company </font>which is requested by voice over the telephone.</div>
            </td>
          </tr>
          <tr>
            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div>q.</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div><font style="font-weight: bold;">Voice Initiated Funds Transfer Instruction </font>means any <font style="font-weight: bold;">Voice Initiated</font></div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div><font style="font-weight: bold;">Redemption </font>or <font style="font-weight: bold;">Voice Initiated Election</font>.</div>
            </td>
          </tr>
          <tr>
            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 69.79%; vertical-align: bottom;">
              <div>For the purposes of these definitions, the singular includes the plural and the</div>
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          <tr>
            <td style="width: 23.97%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 69.79%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div>plural includes the singular, unless otherwise indicated.</div>
            </td>
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          <tr>
            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-style: italic;">General Exclusions -</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="text-align: right;">2</div>
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            <td style="width: 2.08%; vertical-align: bottom;">
              <div>.</div>
            </td>
            <td colspan="2" style="width: 69.79%; vertical-align: bottom;">
              <div style="font-weight: bold;">This bond does not directly or indirectly cover:</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-style: italic;">Applicable to All Insuring</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div>a.</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div>loss not reported to the COMPANY in writing within sixty (60) days after</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-style: italic;">Clauses</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div>termination of this Bond as an entirety;</div>
            </td>
          </tr>
          <tr>
            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div>b.</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div>loss due to riot or civil commotion outside the United States of America and</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div>Canada, or any loss due to military, naval or usurped power, war or</div>
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          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div>insurrection. This Section 2.b., however, shall not apply to loss which occurs</div>
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          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div>in transit in the circumstances recited in INSURING CLAUSE 3., provided</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div>that when such transit was initiated there was no knowledge on the part of</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div>any person acting for the ASSURED of such riot, civil commotion, military,</div>
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          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div>naval or usurped power, war or insurrection;</div>
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          </tr>
          <tr>
            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div>c.</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div>loss resulting from the effects of nuclear fission or fusion or radioactivity;</div>
            </td>
          </tr>
          <tr>
            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div>d.</div>
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            <td style="width: 65.62%; vertical-align: bottom;">
              <div>loss of potential income including, but not limited to, interest and dividends</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div>not realized by the ASSURED or by any customer of the ASSURED;</div>
            </td>
          </tr>
          <tr>
            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div>e.</div>
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            <td style="width: 65.62%; vertical-align: bottom;">
              <div>damages of any type for which the ASSURED is legally liable, except</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div>compensatory damages, but not multiples thereof, arising from a loss</div>
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          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div>covered under this Bond;</div>
            </td>
          </tr>
          <tr>
            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div>f.</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div>costs, fees and expenses incurred by the ASSURED in establishing the</div>
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          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div>existence of or amount of loss under this Bond, except to the extent covered</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div>under INSURING CLAUSE 11.;</div>
            </td>
          </tr>
          <tr>
            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 23.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.16%; vertical-align: bottom;">
              <div>g.</div>
            </td>
            <td style="width: 65.62%; vertical-align: bottom;">
              <div>loss resulting from indirect or consequential loss of any nature;</div>
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      <div style="font-size: 12pt;">&#160;</div>
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          <tr>
            <td style="width: 54.54%; vertical-align: middle;">&#160;</td>
            <td style="width: 45.46%; vertical-align: middle;">&#160;</td>
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          <tr>
            <td style="width: 54.54%; vertical-align: bottom;">
              <div style="font-size: 8pt;">ICAP Bond (5-98)</div>
            </td>
            <td style="width: 45.46%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 54.54%; vertical-align: bottom;">
              <div style="font-size: 8pt;">Form 17-02-1421 (Ed. 5-98)</div>
            </td>
            <td style="width: 45.46%; vertical-align: bottom;">
              <div style="font-size: 8pt;">Page 11 of 19</div>
            </td>
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      <div style="font-size: 12pt;">&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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              <td style="width: 23.97%; vertical-align: middle;">&#160;</td>
              <td style="width: 4.17%; vertical-align: middle;">&#160;</td>
              <td style="width: 2.09%; vertical-align: middle;">&#160;</td>
              <td style="width: 4.16%; vertical-align: middle;">&#160;</td>
              <td style="width: 4.16%; vertical-align: middle;">&#160;</td>
              <td style="width: 2.08%; vertical-align: middle;">&#160;</td>
              <td style="width: 4.16%; vertical-align: middle;">&#160;</td>
              <td style="width: 55.2%; vertical-align: middle;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-size: 12pt; font-style: italic; font-weight: bold;">Conditions and</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 55.2%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
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            <tr>
              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-size: 12pt; font-style: italic; font-weight: bold;">Limitations</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 55.2%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td colspan="8" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td colspan="8" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-style: italic;">General Exclusions -</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div>h.</div>
              </td>
              <td colspan="4" style="width: 65.6%; vertical-align: bottom;">
                <div style="text-align: right;">loss resulting from dishonest acts by any member of the Board of Directors</div>
              </td>
            </tr>
            <tr>
              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-style: italic;">Applicable to All Insuring</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="4" style="width: 65.6%; vertical-align: bottom;">
                <div style="text-align: right;">or Board of Trustees of the ASSURED who is not an <font style="font-weight: bold;">Employee</font>, acting</div>
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            </tr>
            <tr>
              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-style: italic;">Clauses</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="4" style="width: 65.6%; vertical-align: bottom;">
                <div style="text-align: right;">alone or in collusion with others;</div>
              </td>
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            <tr>
              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-style: italic;">(continued)</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div>i.</div>
              </td>
              <td colspan="4" style="width: 65.6%; vertical-align: bottom;">
                <div style="text-align: right;">loss, or that part of any loss, resulting solely from any violation by the</div>
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            </tr>
            <tr>
              <td colspan="8" style="width: 100%; vertical-align: bottom;">
                <div style="text-align: center;">ASSURED or by any <font style="font-weight: bold;">Employee</font>:</div>
              </td>
            </tr>
            <tr>
              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="text-align: right;">(1</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div>)</div>
              </td>
              <td colspan="2" style="width: 59.36%; vertical-align: bottom;">
                <div>of any law regulating:</div>
              </td>
            </tr>
            <tr>
              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div>a.</div>
              </td>
              <td style="width: 55.2%; vertical-align: bottom;">
                <div style="text-align: right;">the issuance, purchase or sale of securities,</div>
              </td>
            </tr>
            <tr>
              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div>b.</div>
              </td>
              <td style="width: 55.2%; vertical-align: bottom;">
                <div style="text-align: right;">securities transactions on security or commodity exchanges or</div>
              </td>
            </tr>
            <tr>
              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 55.2%; vertical-align: bottom;">
                <div style="text-align: right;">the over the counter market,</div>
              </td>
            </tr>
            <tr>
              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div>c.</div>
              </td>
              <td style="width: 55.2%; vertical-align: bottom;">
                <div style="text-align: right;">investment companies,</div>
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            </tr>
            <tr>
              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div>d.</div>
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              <td style="width: 55.2%; vertical-align: bottom;">
                <div style="text-align: right;">investment advisors, or</div>
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            </tr>
            <tr>
              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="text-align: right;">(2</div>
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              <td style="width: 2.08%; vertical-align: bottom;">
                <div>)</div>
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                <div>of any rule or regulation made pursuant to any such law; or</div>
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            </tr>
            <tr>
              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div>j.</div>
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              <td colspan="4" style="width: 65.6%; vertical-align: bottom;">
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            </tr>
            <tr>
              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div>k.</div>
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              <td colspan="4" style="width: 65.6%; vertical-align: bottom;">
                <div style="text-align: right;">loss resulting from voice requests or instructions received over the</div>
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            </tr>
            <tr>
              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="4" style="width: 65.6%; vertical-align: bottom;">
                <div style="text-align: right;">telephone, provided however, this Section 2.k. shall not apply to INSURING</div>
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            <tr>
              <td style="width: 23.97%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="4" style="width: 65.6%; vertical-align: bottom; border-bottom: #000000 2px solid;">
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              </td>
            </tr>
            <tr>
              <td colspan="8" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
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            <tr>
              <td colspan="8" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-style: italic;">Specific Exclusions -</div>
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              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="text-align: right;">3</div>
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              <td style="width: 2.09%; vertical-align: bottom;">
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              <td colspan="5" style="width: 69.77%; vertical-align: bottom;">
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            </tr>
            <tr>
              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-style: italic;">Applicable To All Insuring</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div>a.</div>
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              <td colspan="4" style="width: 65.6%; vertical-align: bottom;">
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            <tr>
              <td style="width: 23.97%; vertical-align: bottom;">
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              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="4" style="width: 65.6%; vertical-align: bottom;">
                <div style="text-align: right;">apply to loss covered under INSURING CLAUSE 2. or 3. which results</div>
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            <tr>
              <td style="width: 23.97%; vertical-align: bottom;">
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              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="4" style="width: 65.6%; vertical-align: bottom;">
                <div style="text-align: right;">directly from misplacement, mysterious unexplainable disappearance, or</div>
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            </tr>
            <tr>
              <td colspan="8" style="width: 100%; vertical-align: bottom;">
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            <tr>
              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
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              <td colspan="4" style="width: 65.6%; vertical-align: bottom;">
                <div style="text-align: right;">loss through the surrender of property away from premises of the ASSURED</div>
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              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="4" style="width: 65.6%; vertical-align: bottom;">
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            <tr>
              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="text-align: right;">(1</div>
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              <td style="width: 2.08%; vertical-align: bottom;">
                <div>)</div>
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              <td colspan="2" style="width: 59.36%; vertical-align: bottom;">
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            <tr>
              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="2" style="width: 59.36%; vertical-align: bottom;">
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              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="2" style="width: 59.36%; vertical-align: bottom;">
                <div style="text-align: right;">ASSURED, provided that when such transit was initiated there was no</div>
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              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="2" style="width: 59.36%; vertical-align: bottom;">
                <div style="text-align: right;">knowledge by the ASSURED of any such threat, and provided further</div>
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              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="2" style="width: 59.36%; vertical-align: bottom;">
                <div>that this Section 3.b. shall not apply to INSURING CLAUSE 7., or</div>
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            <tr>
              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="text-align: right;">(2</div>
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              <td style="width: 2.08%; vertical-align: bottom;">
                <div>)</div>
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              <td colspan="2" style="width: 59.36%; vertical-align: bottom;">
                <div>to do damage to the premises or <font style="font-weight: bold;">Property </font>of the ASSURED;</div>
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            <tr>
              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
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              <td colspan="4" style="width: 65.6%; vertical-align: bottom;">
                <div style="text-align: right;">loss resulting from payments made or withdrawals from any account</div>
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              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="text-align: right;">involving erroneous credits to such account;</div>
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              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
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              <td colspan="4" style="width: 65.6%; vertical-align: bottom;">
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            <tr>
              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="4" style="width: 65.6%; vertical-align: bottom;">
                <div style="text-align: right;">provided however, that this Section 3.d. shall not apply to INSURING</div>
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            <tr>
              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="4" style="width: 65.6%; vertical-align: bottom;">
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            <tr>
              <td style="width: 23.97%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.16%; vertical-align: bottom;">
                <div>e.</div>
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              <td colspan="4" style="width: 65.6%; vertical-align: bottom;">
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        <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 54.54%; vertical-align: middle;">&#160;</td>
              <td style="width: 45.46%; vertical-align: middle;">&#160;</td>
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            <tr>
              <td style="width: 54.54%; vertical-align: bottom;">
                <div style="font-size: 8pt;">ICAP Bond (5-98)</div>
              </td>
              <td style="width: 45.46%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 54.54%; vertical-align: bottom;">
                <div style="font-size: 8pt;">Form 17-02-1421 (Ed. 5-98)</div>
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                <div style="font-size: 8pt;">Page 12 of 19</div>
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                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 14.55%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 11.43%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 14.55%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 15.59%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 8.62%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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              <tr>
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                  <div style="font-size: 12pt; font-style: italic; font-weight: bold;">Limitations</div>
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                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 14.55%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 11.43%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 14.55%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 15.59%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 8.62%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
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              <tr>
                <td colspan="9" style="width: 100%; vertical-align: middle;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td colspan="9" style="width: 100%; vertical-align: middle;">
                  <div style="font-size: 12pt;">&#160;</div>
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              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-style: italic;">Specific Exclusions -</div>
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                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div>f.</div>
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                <td colspan="5" style="width: 64.73%; vertical-align: bottom;">
                  <div>loss resulting from the failure for any reason of a financial or depository</div>
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              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-style: italic;">Applicable To All Insuring</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td colspan="5" style="width: 64.73%; vertical-align: bottom;">
                  <div>institution, its receiver or other liquidator to pay or deliver funds or other</div>
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              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-style: italic;">Clauses Except Insuring</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td colspan="5" style="width: 64.73%; vertical-align: bottom;">
                  <div><font style="font-weight: bold;">Property </font>to the ASSURED provided further that this Section 3.f. shall not</div>
                </td>
              </tr>
              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-style: italic;">Clause 1.</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td colspan="5" style="width: 64.73%; vertical-align: bottom;">
                  <div>apply to loss of <font style="font-weight: bold;">Property </font>resulting directly from robbery, burglary,</div>
                </td>
              </tr>
              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-style: italic;">(continued)</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 14.55%; vertical-align: bottom;">
                  <div>misplacement,</div>
                </td>
                <td style="width: 11.43%; vertical-align: bottom;">
                  <div>mysterious</div>
                </td>
                <td style="width: 14.55%; vertical-align: bottom;">
                  <div style="text-align: center;">unexplainable</div>
                </td>
                <td style="width: 15.59%; vertical-align: bottom;">
                  <div>disappearance,</div>
                </td>
                <td style="width: 8.62%; vertical-align: bottom;">
                  <div style="text-align: right;">damage,</div>
                </td>
              </tr>
              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td colspan="5" style="width: 64.73%; vertical-align: bottom;">
                  <div>destruction or removal from the possession, custody or control of the</div>
                </td>
              </tr>
              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 14.55%; vertical-align: bottom;">
                  <div>ASSURED.</div>
                </td>
                <td style="width: 11.43%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 14.55%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 15.59%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 8.62%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div>g.</div>
                </td>
                <td colspan="5" style="width: 64.73%; vertical-align: bottom;">
                  <div>loss of <font style="font-weight: bold;">Property </font>while in the custody of a <font style="font-weight: bold;">Transportation Company</font>,</div>
                </td>
              </tr>
              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td colspan="5" style="width: 64.73%; vertical-align: bottom;">
                  <div>provided however, that this Section 3.g. shall not apply to INSURING</div>
                </td>
              </tr>
              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 14.55%; vertical-align: bottom;">
                  <div>CLAUSE 3.;</div>
                </td>
                <td style="width: 11.43%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 14.55%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 15.59%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 8.62%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div>h.</div>
                </td>
                <td colspan="5" style="width: 64.73%; vertical-align: bottom;">
                  <div>loss resulting from entries or changes made by a natural person with</div>
                </td>
              </tr>
              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td colspan="5" style="width: 64.73%; vertical-align: bottom;">
                  <div>authorized access to a <font style="font-weight: bold;">Computer System </font>who acts in good faith on</div>
                </td>
              </tr>
              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td colspan="5" style="width: 64.73%; vertical-align: bottom;">
                  <div>instructions, unless such instructions are given to that person by a software</div>
                </td>
              </tr>
              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td colspan="5" style="width: 64.73%; vertical-align: bottom;">
                  <div>contractor or its partner, officer, or employee authorized by the ASSURED to</div>
                </td>
              </tr>
              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td colspan="5" style="width: 64.73%; vertical-align: bottom;">
                  <div>design, develop, prepare, supply, service, write or implement programs for</div>
                </td>
              </tr>
              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td colspan="3" style="width: 40.52%; vertical-align: bottom;">
                  <div>the ASSURED's <font style="font-weight: bold;">Computer System</font>; or</div>
                </td>
                <td style="width: 15.59%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 8.62%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div>i.</div>
                </td>
                <td colspan="5" style="width: 64.73%; vertical-align: bottom;">
                  <div>loss resulting directly or indirectly from the input of data into a <font style="font-weight: bold;">Computer</font></div>
                </td>
              </tr>
              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td colspan="5" style="width: 64.73%; vertical-align: bottom;">
                  <div><font style="font-weight: bold;">System </font>terminal, either on the premises of the customer of the ASSURED</div>
                </td>
              </tr>
              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td colspan="5" style="width: 64.73%; vertical-align: bottom;">
                  <div>or under the control of such a customer, by a customer or other person who</div>
                </td>
              </tr>
              <tr>
                <td style="width: 24.96%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td colspan="5" style="width: 64.73%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                  <div>had authorized access to the customer's authentication mechanism.</div>
                </td>
              </tr>
              <tr>
                <td colspan="9" style="width: 100%; vertical-align: middle;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td colspan="9" style="width: 100%; vertical-align: middle;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-style: italic;">Specific Exclusions -</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="text-align: right;">4</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div>.</div>
                </td>
                <td colspan="4" style="width: 44.65%; vertical-align: bottom;">
                  <div style="font-weight: bold;">This bond does not directly or indirectly cover:</div>
                </td>
                <td style="width: 15.59%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 8.62%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-style: italic;">Applicable To All Insuring</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div>a.</div>
                </td>
                <td colspan="5" style="width: 64.73%; vertical-align: bottom;">
                  <div>loss resulting from the complete or partial non-payment of or default on any</div>
                </td>
              </tr>
              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-style: italic;">Clauses Except Insuring</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td colspan="5" style="width: 64.73%; vertical-align: bottom;">
                  <div>loan whether such loan was procured in good faith or through trick, artifice,</div>
                </td>
              </tr>
              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-style: italic;">Clauses 1., 4., And 5.</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td colspan="5" style="width: 64.73%; vertical-align: bottom;">
                  <div>fraud or false pretenses; provided, however, this Section 4.a. shall not apply</div>
                </td>
              </tr>
              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td colspan="2" style="width: 25.97%; vertical-align: bottom;">
                  <div>to INSURING CLAUSE 8.;</div>
                </td>
                <td style="width: 14.55%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 15.59%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 8.62%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td colspan="9" style="width: 100%; vertical-align: middle;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div>b.</div>
                </td>
                <td colspan="3" style="width: 40.52%; vertical-align: bottom;">
                  <div>loss resulting from forgery or any alteration;</div>
                </td>
                <td style="width: 15.59%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 8.62%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td colspan="9" style="width: 100%; vertical-align: middle;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div>c.</div>
                </td>
                <td colspan="5" style="width: 64.73%; vertical-align: bottom;">
                  <div>loss involving a counterfeit provided, however, this Section 4.c. shall not</div>
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              </tr>
              <tr>
                <td style="width: 24.96%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td colspan="3" style="width: 40.52%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                  <div>apply to INSURING CLAUSE 5. or 6.</div>
                </td>
                <td style="width: 15.59%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 8.62%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td colspan="9" style="width: 100%; vertical-align: middle;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td colspan="9" style="width: 100%; vertical-align: middle;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-style: italic;">Limit Of Liability/Non-</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="text-align: right;">5</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div>.</div>
                </td>
                <td colspan="6" style="width: 68.86%; vertical-align: bottom;">
                  <div style="text-align: right;">At all times prior to termination of this Bond, this Bond shall continue in force for</div>
                </td>
              </tr>
              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-style: italic;">Reduction And Non-</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td colspan="6" style="width: 68.86%; vertical-align: bottom;">
                  <div style="text-align: right;">the limit stated in the applicable sections of ITEM 2. of the DECLARATIONS,</div>
                </td>
              </tr>
              <tr>
                <td style="width: 24.96%; vertical-align: bottom;">
                  <div style="font-style: italic;">Accumulation Of Liability</div>
                </td>
                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 4.13%; vertical-align: bottom;">
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                <td style="width: 4.13%; vertical-align: bottom;">
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                <td style="width: 2.04%; vertical-align: bottom;">
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                <td colspan="5" style="width: 60.24%; vertical-align: bottom;">
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                <td style="width: 24.96%; vertical-align: bottom;">
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                <td style="width: 4.13%; vertical-align: bottom;">
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                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 4.13%; vertical-align: bottom;">
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                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 2.04%; vertical-align: bottom;">
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                <td style="width: 4.13%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 2.04%; vertical-align: bottom;">
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              <tr>
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                  <div style="font-size: 8pt;">ICAP Bond (5-98)</div>
                </td>
                <td style="width: 45.46%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
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              <tr>
                <td style="width: 54.54%; vertical-align: bottom;">
                  <div style="font-size: 8pt;">Form 17-02-1421 (Ed. 5-98)</div>
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                <td style="width: 45.46%; vertical-align: bottom;">
                  <div style="font-size: 8pt;">Page 13 of 19</div>
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  <div style="font-size: 12pt;"> <br>
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          <td style="width: 2.04%; vertical-align: bottom;">
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 65.3%; vertical-align: bottom;">
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 2.04%; vertical-align: bottom;">
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          <td style="width: 4.08%; vertical-align: bottom;">
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          <td style="width: 65.3%; vertical-align: bottom;">
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 2.04%; vertical-align: bottom;">
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            <div>d.</div>
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            <div>any one casualty or event other than those specified in a., b., or c. above,</div>
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 2.04%; vertical-align: bottom;">
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            <div>shall be deemed to be one loss and shall be limited to the applicable LIMIT OF</div>
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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            <div>LIABILITY stated in ITEM 2. of the DECLARATIONS of this Bond irrespective of</div>
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            <div style="font-style: italic;">(continued)</div>
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          <td style="width: 4.08%; vertical-align: bottom;">
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            <div>the total amount of such loss or losses and shall not be cumulative in amounts</div>
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          <td style="width: 24.49%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 2.04%; vertical-align: bottom;">
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            <div>from year to year or from period to period.</div>
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          <td style="width: 24.49%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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            <div>All acts, as specified in c. above, of any one person which</div>
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            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 24.49%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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            <div>i.</div>
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            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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            <div>persons, or</div>
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          <td style="width: 24.49%; vertical-align: bottom;">
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div>ii.</div>
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          <td style="width: 24.49%; vertical-align: bottom;">
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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            <div>whether such acts are committed with or without the knowledge of the wrongful</div>
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            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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            <div>acts of the person so aided, and whether such acts are committed with or without</div>
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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            <div>the intent to aid such other person, shall be deemed to be one loss with the</div>
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          <td style="width: 24.49%; vertical-align: bottom; border-bottom: #000000 2px solid;">
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          <td style="width: 4.08%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 2.04%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="font-size: 12pt;">&#160;</div>
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            <div>wrongful acts of all persons so aided.</div>
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          <td colspan="5" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
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        <tr>
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            <div style="font-size: 12pt;">&#160;</div>
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            <div style="font-style: italic;">Discovery</div>
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            <div style="text-align: right;">6</div>
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          <td style="width: 24.49%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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            <div>during the BOND PERIOD. Discovery occurs at the earlier of an officer of the</div>
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 24.49%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 24.49%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 65.3%; vertical-align: bottom;">
            <div>to a third party,</div>
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            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 24.49%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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            <div>regardless of when the act or acts causing or contributing to such loss occurred,</div>
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          <td style="width: 24.49%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
            <div>even though the amount of loss does not exceed the applicable DEDUCTIBLE</div>
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        <tr>
          <td style="width: 24.49%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.08%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.04%; vertical-align: bottom; border-bottom: #000000 2px solid;">
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          </td>
          <td colspan="2" style="width: 69.38%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div>AMOUNT, or the exact amount or details of loss may not then be known.</div>
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        <tr>
          <td colspan="5" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td colspan="5" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
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        <tr>
          <td style="width: 24.49%; vertical-align: bottom;">
            <div style="font-style: italic;">Notice To Company -</div>
          </td>
          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="text-align: right;">7</div>
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          <td style="width: 2.04%; vertical-align: bottom;">
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          </td>
          <td style="width: 4.08%; vertical-align: bottom;">
            <div>a.</div>
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          <td style="width: 65.3%; vertical-align: bottom;">
            <div>The ASSURED shall give the COMPANY notice thereof at the earliest</div>
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        <tr>
          <td style="width: 24.49%; vertical-align: bottom;">
            <div style="font-style: italic;">Proof - Legal Proceedings</div>
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 65.3%; vertical-align: bottom;">
            <div>practicable moment, not to exceed sixty (60) days after discovery of loss, in</div>
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        <tr>
          <td style="width: 24.49%; vertical-align: bottom;">
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 65.3%; vertical-align: bottom;">
            <div>an amount that is in excess of 50% of the applicable DEDUCTIBLE</div>
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        </tr>
        <tr>
          <td style="width: 24.49%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 65.3%; vertical-align: bottom;">
            <div>AMOUNT, as stated in ITEM 2. of the DECLARATIONS.</div>
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        <tr>
          <td colspan="5" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 24.49%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.08%; vertical-align: bottom;">
            <div>b.</div>
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          <td style="width: 65.3%; vertical-align: bottom;">
            <div>The ASSURED shall furnish to the COMPANY proof of loss, duly sworn to,</div>
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        </tr>
        <tr>
          <td style="width: 24.49%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 65.3%; vertical-align: bottom;">
            <div>with full particulars within six (6) months after such discovery.</div>
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        <tr>
          <td colspan="5" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 24.49%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.08%; vertical-align: bottom;">
            <div>c.</div>
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          <td style="width: 65.3%; vertical-align: bottom;">
            <div>Securities listed in a proof of loss shall be identified by certificate or bond</div>
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        <tr>
          <td style="width: 24.49%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 65.3%; vertical-align: bottom;">
            <div>numbers, if issued with them.</div>
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          <td colspan="5" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 24.49%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.08%; vertical-align: bottom;">
            <div>d.</div>
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          <td style="width: 65.3%; vertical-align: bottom;">
            <div>Legal proceedings for the recovery of any loss under this Bond shall not be</div>
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        <tr>
          <td style="width: 24.49%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 65.3%; vertical-align: bottom;">
            <div>brought prior to the expiration of sixty (60) days after the proof of loss is filed</div>
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          <td style="width: 24.49%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 65.3%; vertical-align: bottom;">
            <div>with the COMPANY or after the expiration of twenty-four (24) months from</div>
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        <tr>
          <td style="width: 24.49%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 65.3%; vertical-align: bottom;">
            <div>the discovery of such loss.</div>
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        </tr>
        <tr>
          <td colspan="5" style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
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        <tr>
          <td style="width: 24.49%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.08%; vertical-align: bottom;">
            <div>e.</div>
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          <td style="width: 65.3%; vertical-align: bottom;">
            <div>This Bond affords coverage only in favor of the ASSURED. No claim, suit,</div>
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        <tr>
          <td style="width: 24.49%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 65.3%; vertical-align: bottom;">
            <div>action or legal proceedings shall be brought under this Bond by anyone</div>
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        <tr>
          <td style="width: 24.49%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 2.04%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
          <td style="width: 4.08%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
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            <div>other than the ASSURED.</div>
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        <tr>
          <td style="width: 54.54%; vertical-align: middle;">&#160;</td>
          <td style="width: 45.46%; vertical-align: middle;">&#160;</td>
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        <tr>
          <td style="width: 54.54%; vertical-align: bottom;">
            <div style="font-size: 8pt;">ICAP Bond (5-98)</div>
          </td>
          <td style="width: 45.46%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 54.54%; vertical-align: bottom;">
            <div style="font-size: 8pt;">Form 17-02-1421 (Ed. 5-98)</div>
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          <td style="width: 45.46%; vertical-align: bottom;">
            <div style="font-size: 8pt;">Page 14 of 19</div>
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            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.3%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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          <tr>
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            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.3%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
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          <tr>
            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
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          <tr>
            <td style="width: 24.49%; vertical-align: bottom;">
              <div style="font-style: italic;">Notice To Company -</div>
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            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
              <div>f.</div>
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              <div style="text-align: right;">Proof of loss involving <font style="font-weight: bold;">Voice Initiated Funds Transfer Instruction </font>shall</div>
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          <tr>
            <td style="width: 24.49%; vertical-align: bottom;">
              <div style="font-style: italic;">Proof - Legal Proceedings</div>
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            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div style="text-align: right;">include electronic recordings of such instructions.</div>
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          <tr>
            <td style="width: 24.49%; vertical-align: bottom;">
              <div style="font-style: italic;">Against Company</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.3%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div style="font-style: italic;">(continued)</div>
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              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 65.3%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
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              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 24.49%; vertical-align: bottom;">
              <div style="font-style: italic;">Deductible Amount</div>
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            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="text-align: right;">8</div>
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              <div>.</div>
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            <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
              <div>The COMPANY shall not be liable under any INSURING CLAUSES of this Bond</div>
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            <td style="width: 24.49%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div>on account of loss unless the amount of such loss, after deducting the net amount</div>
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            <td style="width: 24.49%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div>of all reimbursement and/or recovery obtained or made by the ASSURED, other</div>
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          <tr>
            <td style="width: 24.49%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div>than from any Bond or policy of insurance issued by an insurance company and</div>
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            <td style="width: 24.49%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div>covering such loss, or by the COMPANY on account thereof prior to payment by</div>
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          <tr>
            <td style="width: 24.49%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div>the COMPANY of such loss, shall exceed the DEDUCTIBLE AMOUNT set forth in</div>
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            <td style="width: 24.49%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
              <div>ITEM 3. of the DECLARATIONS, and then for such excess only, but in no event</div>
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            <td style="width: 24.49%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 2.04%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
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            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 2.04%; vertical-align: bottom;">
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          <tr>
            <td style="width: 24.49%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 2.04%; vertical-align: bottom;">
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          <tr>
            <td style="width: 24.49%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 4.08%; vertical-align: bottom; border-bottom: #000000 2px solid;">
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            <td style="width: 2.04%; vertical-align: bottom; border-bottom: #000000 2px solid;">
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          <tr>
            <td colspan="5" style="width: 100%; vertical-align: middle;">
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          <tr>
            <td style="width: 24.49%; vertical-align: bottom;">
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            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 24.49%; vertical-align: bottom;">
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            <td style="width: 4.08%; vertical-align: bottom;">
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            <td style="width: 24.49%; vertical-align: bottom;">
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            <td style="width: 4.08%; vertical-align: bottom;">
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            <td style="width: 24.49%; vertical-align: bottom;">
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            <td style="width: 4.08%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 4.08%; vertical-align: bottom;">
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            <td style="width: 24.49%; vertical-align: bottom;">
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              <div style="font-size: 12pt;">&#160;</div>
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              <div style="font-size: 12pt;">&#160;</div>
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              <div style="text-align: center;">actual market value at the time of replacement.</div>
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              <div>such privileges, the value shall be fixed by agreement between the parties.</div>
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            <td style="width: 4.08%; vertical-align: bottom;">
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            <td style="width: 4.08%; vertical-align: bottom;">
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              <div style="font-size: 8pt;">ICAP Bond (5-98)</div>
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              <div style="font-size: 12pt;">&#160;</div>
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          <tr>
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              <div style="font-size: 8pt;">Form 17-02-1421 (Ed. 5-98)</div>
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              <div style="font-size: 8pt;">Page 15 of 19</div>
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              <td style="width: 4.08%; vertical-align: bottom;">
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              <td style="width: 65.3%; vertical-align: bottom;">
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              <td style="width: 4.08%; vertical-align: bottom;">
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 4.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 65.3%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="text-align: right;">10</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>at its sole discretion, purchase replacement securities, tender the value of the</div>
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              <td style="width: 6.12%; vertical-align: bottom;">
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              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>securities in money, or issue its indemnity to effect replacement securities.</div>
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              <td style="width: 2.04%; vertical-align: bottom;">
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                <div>The indemnity required from the ASSURED under the terms of this Section</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>against all loss, cost or expense arising from the replacement of securities by the</div>
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            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
                <div>COMPANY'S indemnity shall be:</div>
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            <tr>
              <td colspan="5" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.08%; vertical-align: bottom;">
                <div>a.</div>
              </td>
              <td style="width: 65.3%; vertical-align: bottom;">
                <div style="text-align: right;">for securities having a value less than or equal to the applicable</div>
              </td>
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            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 65.3%; vertical-align: bottom;">
                <div style="text-align: right;">DEDUCTIBLE AMOUNT - one hundred (100%) percent;</div>
              </td>
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            <tr>
              <td colspan="5" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
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            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.08%; vertical-align: bottom;">
                <div>b.</div>
              </td>
              <td style="width: 65.3%; vertical-align: bottom;">
                <div style="text-align: right;">for securities having a value in excess of the DEDUCTIBLE AMOUNT but</div>
              </td>
            </tr>
            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 65.3%; vertical-align: bottom;">
                <div style="text-align: right;">within the applicable LIMIT OF LIABILITY - the percentage that the</div>
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            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 65.3%; vertical-align: bottom;">
                <div style="text-align: right;">DEDUCTIBLE AMOUNT bears to the value of the securities;</div>
              </td>
            </tr>
            <tr>
              <td colspan="5" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.08%; vertical-align: bottom;">
                <div>c.</div>
              </td>
              <td style="width: 65.3%; vertical-align: bottom;">
                <div style="text-align: right;">for securities having a value greater than the applicable LIMIT OF LIABILITY</div>
              </td>
            </tr>
            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 65.3%; vertical-align: bottom;">
                <div style="text-align: right;">- the percentage that the DEDUCTIBLE AMOUNT and portion in excess of</div>
              </td>
            </tr>
            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 65.3%; vertical-align: bottom;">
                <div style="text-align: center;">the applicable LIMIT OF LIABILITY bears to the value of the securities.</div>
              </td>
            </tr>
            <tr>
              <td colspan="5" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
                <div>The value referred to in Section 10.a., b., and c. is the value in accordance with</div>
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            </tr>
            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
                <div>Section 9, Valuation, regardless of the value of such securities at the time the loss</div>
              </td>
            </tr>
            <tr>
              <td colspan="5" style="width: 100%; vertical-align: bottom;">
                <div style="text-align: center;">under the COMPANY'S indemnity is sustained.</div>
              </td>
            </tr>
            <tr>
              <td colspan="5" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
                <div>The COMPANY is not required to issue its indemnity for any portion of a loss of</div>
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            </tr>
            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
                <div>securities which is not covered by this Bond; however, the COMPANY may do so</div>
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            </tr>
            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
                <div>as a courtesy to the ASSURED and at its sole discretion.</div>
              </td>
            </tr>
            <tr>
              <td colspan="5" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
                <div>The ASSURED shall pay the proportion of the Company's premium charge for the</div>
              </td>
            </tr>
            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
                <div>Company's indemnity as set forth in Section 10.a., b., and c. No portion of the</div>
              </td>
            </tr>
            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
                <div>LIMIT OF LIABILITY shall be used as payment of premium for any indemnity</div>
              </td>
            </tr>
            <tr>
              <td style="width: 22.45%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="2" style="width: 69.38%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div>purchased by the ASSURED to obtain replacement securities.</div>
              </td>
            </tr>
            <tr>
              <td colspan="5" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td colspan="5" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
              <td colspan="2" style="width: 28.57%; vertical-align: bottom;">
                <div><font style="font-style: italic;">Subrogation - Assignment &#8211; </font>11.</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
                <div>In the event of a payment under this Bond, the COMPANY shall be subrogated to</div>
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            </tr>
            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-style: italic;">Recovery</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
                <div>all of the ASSURED'S rights of recovery against any person or entity to the extent</div>
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            </tr>
            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
                <div>of such payment. On request, the ASSURED shall deliver to the COMPANY an</div>
              </td>
            </tr>
            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
                <div>assignment of the ASSURED'S rights, title and interest and causes of action</div>
              </td>
            </tr>
            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
                <div>against any person or entity to the extent of such payment.</div>
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            </tr>
            <tr>
              <td colspan="5" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
                <div>Recoveries, whether effected by the COMPANY or by the ASSURED, shall be</div>
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            </tr>
            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
                <div>applied net of the expense of such recovery in the following order:</div>
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            </tr>
            <tr>
              <td colspan="5" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.08%; vertical-align: bottom;">
                <div>a.</div>
              </td>
              <td style="width: 65.3%; vertical-align: bottom;">
                <div style="text-align: right;">first, to the satisfaction of the ASSURED'S loss which would otherwise have</div>
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            </tr>
            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 65.3%; vertical-align: bottom;">
                <div style="text-align: right;">been paid but for the fact that it is in excess of the applicable LIMIT OF</div>
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            </tr>
            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 65.3%; vertical-align: bottom;">
                <div style="text-align: right;">LIABILITY,</div>
              </td>
            </tr>
            <tr>
              <td colspan="5" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.08%; vertical-align: bottom;">
                <div>b.</div>
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              <td style="width: 65.3%; vertical-align: bottom;">
                <div style="text-align: right;">second, to the COMPANY in satisfaction of amounts paid in settlement of</div>
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            </tr>
            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 65.3%; vertical-align: bottom;">
                <div style="text-align: right;">the ASSURED'S claim,</div>
              </td>
            </tr>
            <tr>
              <td colspan="5" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.08%; vertical-align: bottom;">
                <div>c.</div>
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              <td style="width: 65.3%; vertical-align: bottom;">
                <div style="text-align: right;">third, to the ASSURED in satisfaction of the applicable DEDUCTIBLE</div>
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            <tr>
              <td style="width: 22.45%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 6.12%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 65.3%; vertical-align: bottom;">
                <div style="text-align: right;">AMOUNT, and</div>
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            </tr>

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        <div style="font-size: 12pt;">&#160;</div>
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            <tr>
              <td style="width: 54.54%; vertical-align: middle;">&#160;</td>
              <td style="width: 45.46%; vertical-align: middle;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 54.54%; vertical-align: bottom;">
                <div style="font-size: 8pt;">ICAP Bond (5-98)</div>
              </td>
              <td style="width: 45.46%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 54.54%; vertical-align: bottom;">
                <div style="font-size: 8pt;">Form 17-02-1421 (Ed. 5-98)</div>
              </td>
              <td style="width: 45.46%; vertical-align: bottom;">
                <div style="font-size: 8pt;">Page 16 of 19</div>
              </td>
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        <div style="font-size: 12pt;">&#160;</div>
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                  <div style="font-size: 12pt;">&#160;</div>
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                  <div style="text-align: right;">fourth, to the ASSURED in satisfaction of any loss suffered by the</div>
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              <tr>
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                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 3.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                  <div style="font-size: 12pt;">&#160;</div>
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                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 3.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 4.08%; vertical-align: bottom;">
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                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 3.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 3.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 3.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 3.06%; vertical-align: bottom;">
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                  <div style="font-size: 12pt;">&#160;</div>
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              <tr>
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                <td style="width: 3.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                  <div>days prior to the effective date of such termination.</div>
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                <td style="width: 3.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 25.52%; vertical-align: bottom;">
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                <td style="width: 3.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 2.04%; vertical-align: bottom;">
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                  <div>shall have been given by the acting party to the affected party, and by the</div>
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                <td style="width: 3.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 3.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 2.04%; vertical-align: bottom;">
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                <td style="width: 3.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 2.04%; vertical-align: bottom;">
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                <td style="width: 3.06%; vertical-align: bottom;">
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                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 3.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 2.04%; vertical-align: bottom;">
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                <td style="width: 3.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 2.04%; vertical-align: bottom;">
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                <td style="width: 4.08%; vertical-align: bottom;">
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                <td style="width: 3.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 4.08%; vertical-align: bottom;">
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                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 3.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 4.08%; vertical-align: bottom;">
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                <td style="width: 3.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 4.08%; vertical-align: bottom;">
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                <td style="width: 3.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 4.08%; vertical-align: bottom;">
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                <td style="width: 25.52%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 4.08%; vertical-align: bottom;">
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                <td style="width: 25.52%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 3.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 4.08%; vertical-align: bottom;">
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                <td style="width: 65.3%; vertical-align: bottom;">
                  <div style="text-align: right;">into another entity, disposition of all of its assets or otherwise.</div>
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              <tr>
                <td style="width: 25.52%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 3.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                  <div>The COMPANY shall refund the unearned premium computed at short rates in</div>
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                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 3.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                  <div>accordance with the standard short rate cancellation tables if terminated by the</div>
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                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 3.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 2.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
                  <div>ASSURED or pro rata if terminated for any other reason.</div>
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                <td style="width: 45.46%; vertical-align: middle;">&#160;</td>
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              <tr>
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                  <div style="font-size: 8pt;">ICAP Bond (5-98)</div>
                </td>
                <td style="width: 45.46%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td style="width: 54.54%; vertical-align: bottom;">
                  <div style="font-size: 8pt;">Form 17-02-1421 (Ed. 5-98)</div>
                </td>
                <td style="width: 45.46%; vertical-align: bottom;">
                  <div style="font-size: 8pt;">Page 17 of 19</div>
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                  <td style="width: 5.1%; vertical-align: middle;">&#160;</td>
                  <td style="width: 2.04%; vertical-align: middle;">&#160;</td>
                  <td style="width: 4.08%; vertical-align: middle;">&#160;</td>
                  <td style="width: 65.3%; vertical-align: middle;">&#160;</td>
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                  <td style="width: 5.1%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.04%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 4.08%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 65.3%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                <tr>
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                  <td style="width: 5.1%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 2.04%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 4.08%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 65.3%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td colspan="5" style="width: 100%; vertical-align: middle;">
                    <div style="font-size: 12pt;">&#160;</div>
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                <tr>
                  <td colspan="5" style="width: 100%; vertical-align: middle;">
                    <div style="font-size: 12pt;">&#160;</div>
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                <tr>
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                  <td style="width: 5.1%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 2.04%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>If any partner, director, trustee, or officer or supervisory employee of an</div>
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                    <div style="font-style: italic;">(continued)</div>
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                  <td style="width: 5.1%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 2.04%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
                    <div>ASSURED not acting in collusion with an <font style="font-weight: bold;">Employee </font>learns of any dishonest act</div>
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                  <td style="width: 23.47%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 5.1%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 2.04%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>committed by such <font style="font-weight: bold;">Employee </font>at any time, whether in the employment of the</div>
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                  <td style="width: 23.47%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 5.1%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 2.04%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>ASSURED or otherwise, whether or not such act is of the type covered under this</div>
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                  <td style="width: 23.47%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 5.1%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 2.04%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>Bond, and whether against the ASSURED or any other person or entity, the</div>
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                  <td style="width: 23.47%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 5.1%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.04%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>ASSURED:</div>
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                <tr>
                  <td colspan="5" style="width: 100%; vertical-align: middle;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
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                <tr>
                  <td style="width: 23.47%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 5.1%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.04%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 4.08%; vertical-align: bottom;">
                    <div>a.</div>
                  </td>
                  <td style="width: 65.3%; vertical-align: bottom;">
                    <div style="text-align: right;">shall immediately remove such <font style="font-weight: bold;">Employee </font>from a position that would enable</div>
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                  <td style="width: 23.47%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 5.1%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.04%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 4.08%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 5.1%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 2.04%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 4.08%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div style="text-align: right;">Bond; and</div>
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                <tr>
                  <td colspan="5" style="width: 100%; vertical-align: middle;">
                    <div style="font-size: 12pt;">&#160;</div>
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                <tr>
                  <td style="width: 23.47%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 5.1%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 2.04%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 4.08%; vertical-align: bottom;">
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                    <div style="text-align: right;">within forty-eight (48) hours of learning that an <font style="font-weight: bold;">Employee </font>has committed</div>
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                <tr>
                  <td style="width: 23.47%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 5.1%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.04%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 4.08%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div style="text-align: right;">any dishonest act, shall notify the COMPANY, of such action and provide full</div>
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                <tr>
                  <td colspan="5" style="width: 100%; vertical-align: bottom;">
                    <div style="text-align: center;">particulars of such dishonest act.</div>
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                <tr>
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                    <div style="font-size: 12pt;">&#160;</div>
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                <tr>
                  <td style="width: 23.47%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 5.1%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.04%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td colspan="2" style="width: 69.38%; vertical-align: bottom;">
                    <div>The COMPANY may terminate coverage as respects any <font style="font-weight: bold;">Employee </font>sixty (60)</div>
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                <tr>
                  <td style="width: 23.47%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 5.1%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.04%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>days after written notice is received by each ASSURED <font style="font-weight: bold;">Investment Company</font></div>
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                </tr>
                <tr>
                  <td style="width: 23.47%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 5.1%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.04%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>and the Securities and Exchange Commission, Washington, D.C. of its desire to</div>
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                  <td style="width: 23.47%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 5.1%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.04%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td colspan="2" style="width: 69.38%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                    <div>terminate this Bond as to such <font style="font-weight: bold;">Employee</font>.</div>
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                </tr>
                <tr>
                  <td colspan="5" style="width: 100%; vertical-align: middle;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                </tr>
                <tr>
                  <td colspan="5" style="width: 100%; vertical-align: middle;">
                    <div style="font-size: 12pt;">&#160;</div>
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                <tr>
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                  <td style="width: 5.1%; vertical-align: bottom;">
                    <div style="text-align: right;">14</div>
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                  <td style="width: 2.04%; vertical-align: bottom;">
                    <div>.</div>
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                <tr>
                  <td style="width: 23.47%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 5.1%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.04%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>insurance, indemnity or suretyship obtained by or on behalf of:</div>
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                <tr>
                  <td colspan="5" style="width: 100%; vertical-align: middle;">
                    <div style="font-size: 12pt;">&#160;</div>
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                <tr>
                  <td style="width: 23.47%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 5.1%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.04%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 4.08%; vertical-align: bottom;">
                    <div>a.</div>
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                    <div style="text-align: right;">the ASSURED,</div>
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                    <div style="font-size: 12pt;">&#160;</div>
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                <tr>
                  <td style="width: 23.47%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 5.1%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.04%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>a <font style="font-weight: bold;">Transportation Company</font>, or</div>
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                    <div style="font-size: 12pt;">&#160;</div>
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                <tr>
                  <td style="width: 23.47%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 5.1%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.04%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 4.08%; vertical-align: bottom;">
                    <div>c.</div>
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                  <td style="width: 23.47%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 5.1%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.04%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 4.08%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div style="text-align: right;">person causing the loss or engaged the messenger conveying the <font style="font-weight: bold;">Property</font></div>
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                  <td style="width: 23.47%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 5.1%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.04%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 4.08%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div style="text-align: right;">involved.</div>
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                    <div style="font-size: 12pt;">&#160;</div>
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                <tr>
                  <td colspan="5" style="width: 100%; vertical-align: middle;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>If any limitation within this Bond is prohibited by any law controlling this Bond's</div>
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                <tr>
                  <td style="width: 23.47%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 5.1%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.04%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>construction, such limitation shall be deemed to be amended so as to equal the</div>
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                    <div style="font-size: 12pt;">&#160;</div>
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                    <div style="font-size: 12pt;">&#160;</div>
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                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 23.47%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div style="font-size: 12pt;">&#160;</div>
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                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>If this Bond is for a sole ASSURED, no change or modification which would</div>
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                  <td style="width: 23.47%; vertical-align: bottom;">
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                    <div style="font-size: 12pt;">&#160;</div>
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                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>adversely affect the rights of the ASSURED shall be effective prior to sixty (60)</div>
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                  <td style="width: 23.47%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 5.1%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>days after written notice has been furnished to the Securities and Exchange</div>
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                  <td style="width: 23.47%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 5.1%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 2.04%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>Commission, Washington, D.C., by the acting party.</div>
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                <tr>
                  <td style="width: 54.54%; vertical-align: middle;">&#160;</td>
                  <td style="width: 45.46%; vertical-align: middle;">&#160;</td>
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                    <div style="font-size: 8pt;">ICAP Bond (5-98)</div>
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                  <td style="width: 45.46%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div style="font-size: 8pt;">Form 17-02-1421 (Ed. 5-98)</div>
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                    <div style="font-size: 8pt;">Page 18 of 19</div>
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                  <tr>
                    <td style="width: 26.26%; vertical-align: middle;">&#160;</td>
                    <td style="width: 73.74%; vertical-align: middle;">&#160;</td>
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                      <div style="font-size: 12pt;">&#160;</div>
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                    <td style="width: 73.74%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
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                    <td colspan="2" style="width: 100%; vertical-align: middle;">
                      <div style="font-size: 12pt;">&#160;</div>
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                    <td colspan="2" style="width: 100%; vertical-align: middle;">
                      <div style="font-size: 12pt;">&#160;</div>
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                    <td style="width: 26.26%; vertical-align: bottom;">
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                    <td style="width: 73.74%; vertical-align: bottom;">
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                      <div style="font-style: italic;">(continued)</div>
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                      <div>adversely affect the rights of the ASSURED shall be effective prior to sixty (60)</div>
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                    <td style="width: 26.26%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
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                      <div>days after written notice has been furnished to all insured <font style="font-weight: bold;">Investment Companies</font></div>
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                    <td style="width: 26.26%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
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              <div style="font-size: 12pt;">&#160;</div>
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                  <tr>
                    <td style="width: 54.54%; vertical-align: middle;">&#160;</td>
                    <td style="width: 45.46%; vertical-align: middle;">&#160;</td>
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                      <div style="font-size: 8pt;">ICAP Bond (5-98)</div>
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                      <div style="font-size: 12pt;">&#160;</div>
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  <div style="font-size: 12pt;"> <br>
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        <tr>
          <td style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
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        <tr>
          <td style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
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            <div style="text-indent: 36pt;">All of the members of the Chubb Group of Insurance companies doing business in the United</div>
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            <div>States (hereinafter &#8220;Chubb&#8221;) distribute their products through licensed insurance brokers and agents</div>
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            <div>(&#8220;producers&#8221;). Detailed information regarding the types of compensation paid by Chubb to producers on</div>
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            <div>US insurance transactions is available under the Producer Compensation link located at the bottom of the</div>
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          <td style="width: 100%; vertical-align: bottom;">
            <div>page at www.chubb.com, or by calling 1-866-588-9478. Additional information may be available from your</div>
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        <tr>
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            <div style="text-indent: 36pt;">Thank you for choosing Chubb.</div>
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    <div style="margin-top: 12pt; margin-bottom: 12pt;">10-02-1295 (ed. 6/2007)</div>
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          <tr>
            <td style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
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          </tr>
          <tr>
            <td style="width: 100%; vertical-align: middle;">
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          <tr>
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          <tr>
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          <tr>
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              <div style="font-size: 12pt;">&#160;</div>
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          <tr>
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          <tr>
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          <tr>
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          <tr>
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              <div>policy as well as instructions on how to submit this proof of fidelity insurance coverage to the</div>
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            <td style="width: 100%; vertical-align: bottom;">
              <div>SEC. You can expect to receive this information from your agent/broker shortly.</div>
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          <tr>
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          <tr>
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          <tr>
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              <div>affect the terms and conditions of coverage as set forth in the paper policy you receive by mail.</div>
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          <tr>
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          <tr>
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          <tr>
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          <tr>
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      <div style="margin-top: 12pt; margin-bottom: 12pt;">Form 14-02-12160 (ed. 7/2006)</div>
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            <tr>
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              <td style="width: 27.28%; vertical-align: middle;">&#160;</td>
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                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
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                <div style="text-align: right;">1</div>
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            <tr>
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            <tr>
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                <div>NAME OF ASSURED: MASSACHUSETTS FINANCIAL SERVICES COMPANY DBA MFS INVESTMENT</div>
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                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
              <td colspan="2" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
              <td colspan="2" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
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            </tr>
            <tr>
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                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
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                <div>It is agreed that the NAME OF ASSURED in the DECLARATIONS is amended to read as follows:</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div>MFS International Concentrated Equity LLC</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="text-indent: 2.75pt;">MFS International Growth LLC</div>
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                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
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                <div style="text-indent: 2.75pt;">MFS Core Plus Fixed Income LLC</div>
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              <td style="width: 27.28%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
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              <td colspan="2" style="width: 100%; vertical-align: bottom;">
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            <tr>
              <td style="width: 72.72%; vertical-align: bottom;">
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            <tr>
              <td colspan="2" style="width: 100%; vertical-align: bottom;">
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              <td style="width: 72.72%; vertical-align: bottom;">
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                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
              <td colspan="2" style="width: 100%; vertical-align: bottom;">
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            <tr>
              <td colspan="2" style="width: 100%; vertical-align: bottom;">
                <div style="text-indent: 2.75pt;">MFS Heritage Trust Company Collective Investment Trust - MFS International Growth</div>
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            <tr>
              <td style="width: 72.72%; vertical-align: bottom;">
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                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="2" style="width: 100%; vertical-align: bottom;">
                <div style="text-indent: 2.75pt;">MFS Heritage Trust Company Collective Investment Trust - MFS International Small-</div>
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            <tr>
              <td style="width: 72.72%; vertical-align: bottom;">
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                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="2" style="width: 100%; vertical-align: bottom;">
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            <tr>
              <td style="width: 72.72%; vertical-align: bottom;">
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              <td style="width: 27.28%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="2" style="width: 100%; vertical-align: bottom;">
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            <tr>
              <td colspan="2" style="width: 100%; vertical-align: bottom;">
                <div style="text-indent: 2.75pt;">MFS Heritage Trust Company Collective Investment Trust - MFS Global Equity Fund</div>
              </td>
            </tr>
            <tr>
              <td colspan="2" style="width: 100%; vertical-align: bottom;">
                <div style="text-indent: 2.75pt;">MFS Heritage Trust Company Collective Investment Trust - MFS International</div>
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            <tr>
              <td style="width: 72.72%; vertical-align: bottom;">
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              <td style="width: 27.28%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
              <td colspan="2" style="width: 100%; vertical-align: bottom;">
                <div style="text-indent: 2.75pt;">MFS Heritage Trust Company Collective Investment Trust - MFS Growth Equity Fund</div>
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              <td colspan="2" style="width: 100%; vertical-align: bottom;">
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              <td style="width: 72.72%; vertical-align: bottom;">
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              <td style="width: 27.28%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
              <td colspan="2" style="width: 100%; vertical-align: bottom;">
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              <td style="width: 27.28%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="2" style="width: 100%; vertical-align: bottom;">
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 72.72%; vertical-align: bottom;">
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              <td style="width: 27.28%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="2" style="width: 100%; vertical-align: bottom;">
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              <td style="width: 72.72%; vertical-align: bottom;">
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              <td style="width: 27.28%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 38.38%; vertical-align: middle;">&#160;</td>
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              <td style="width: 38.38%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
              <td style="width: 61.62%; vertical-align: bottom;">
                <div>Form 17-02-0949 (Rev. 1-97)</div>
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              <td style="width: 38.38%; vertical-align: bottom;">
                <div>Page 1</div>
              </td>
            </tr>

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  <div style="font-size: 12pt;"> <br>
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        <tr>
          <td style="width: 100%; vertical-align: middle;">&#160;</td>
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            <div style="text-indent: 2.75pt;">MFS Heritage Trust Company Collective Investment Trust - MFS Blended Research</div>
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          <td style="width: 100%; vertical-align: bottom;">
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        <tr>
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          <td style="width: 100%; vertical-align: bottom;">
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          <td style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
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        <tr>
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        <tr>
          <td style="width: 100%; vertical-align: bottom;">
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        <tr>
          <td style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
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        <tr>
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          <td style="width: 100%; vertical-align: bottom;">
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          <td style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
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        <tr>
          <td style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
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        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Growth Fund</div>
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        <tr>
          <td style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
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        </tr>
        <tr>
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        <tr>
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        <tr>
          <td style="width: 100%; vertical-align: bottom;">
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        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
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        <tr>
          <td style="width: 100%; vertical-align: bottom;">
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          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Blended Research Emerging Markets Equity Fund</div>
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          <td style="width: 100%; vertical-align: bottom;">
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        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div style="text-indent: 2.75pt;">MFS Blended Research International Equity Fund</div>
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        <tr>
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            <div style="text-indent: 2.75pt;">MFS Global New Discovery Fund</div>
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        <tr>
          <td style="width: 100%; vertical-align: bottom;">
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        <tr>
          <td style="width: 100%; vertical-align: bottom;">
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        <tr>
          <td style="width: 100%; vertical-align: bottom;">
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        <tr>
          <td style="width: 100%; vertical-align: bottom;">
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          <td style="width: 100%; vertical-align: middle;">
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        <tr>
          <td style="width: 100%; vertical-align: middle;">
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        <tr>
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        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Global Equity Fund</div>
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          <td style="width: 100%; vertical-align: bottom;">
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          <td style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
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          <td style="width: 100%; vertical-align: bottom;">
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        <tr>
          <td style="width: 100%; vertical-align: bottom;">
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          <td style="width: 60.59%; vertical-align: middle;">&#160;</td>
          <td style="width: 39.41%; vertical-align: middle;">&#160;</td>
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        <tr>
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          <td style="width: 39.41%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 60.59%; vertical-align: bottom;">
            <div>Form 17-02-0949 (Ed. 1-97)</div>
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          <td style="width: 39.41%; vertical-align: bottom;">
            <div>Page 2</div>
          </td>
        </tr>

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          <td style="width: 100%; vertical-align: middle;">&#160;</td>
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        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div style="font-size: 12pt; font-weight: bold;">MFS Series Trust VIII</div>
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        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Strategic Income Fund</div>
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        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Global Growth Fund</div>
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            <div style="font-size: 12pt;">&#160;</div>
          </td>
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          <td style="width: 100%; vertical-align: bottom;">
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        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Inflation-Adjusted Bond Fund</div>
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        <tr>
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            <div>MFS Corporate Bond Fund</div>
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        <tr>
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        <tr>
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        <tr>
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        <tr>
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        <tr>
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            <div>MFS Aggressive Growth Allocation Fund</div>
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        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Blended Research Mid Cap Equity Fund</div>
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        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Blended Research Small Cap Equity Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Blended Research Value Equity Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Blended Research Growth Equity Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Conservative Allocation Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Emerging Markets Debt Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Emerging Markets Debt Local Currency Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Emerging Markets Equity Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS International Growth Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS International Intrinsic Value Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Global Bond Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Growth Allocation Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS International Diversification Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Managed Wealth Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Moderate Allocation Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div style="font-size: 12pt; font-weight: bold;">MFS Series Trust XI</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Mid Cap Value Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Blended Research Core Equity Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div style="font-size: 12pt; font-weight: bold;">MFS Series Trust XII</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Lifetime 2025 Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Lifetime 2035 Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Lifetime 2045 Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Lifetime 2055 Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Lifetime Income Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Lifetime 2020 Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Lifetime 2030 Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Lifetime 2040 Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Lifetime 2050 Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Lifetime 2060 Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Equity Opportunities Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div style="font-size: 12pt; font-weight: bold;">MFS Series Trust XIII</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Diversified Income Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Global Real Estate Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Government Securities Fund</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS New Discovery Value Fund</div>
          </td>
        </tr>

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    <div style="font-size: 12pt;">&#160;</div>
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        <tr>
          <td style="width: 60.59%; vertical-align: middle;">&#160;</td>
          <td style="width: 39.41%; vertical-align: middle;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 60.59%; vertical-align: bottom;">
            <div>ICAP Bond</div>
          </td>
          <td style="width: 39.41%; vertical-align: bottom;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 60.59%; vertical-align: bottom;">
            <div>Form 17-02-0949 (Ed. 1-97)</div>
          </td>
          <td style="width: 39.41%; vertical-align: bottom;">
            <div>Page 3</div>
          </td>
        </tr>

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    <div style="font-size: 12pt;">&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div style="font-size: 12pt; font-weight: bold;">MFS Series Trust XIV</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS Institutional Money Market Portfolio</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div style="font-size: 12pt; font-weight: bold;">MFS SERIES TRUST XV</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS Commodity Strategy Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS Global Alternative Strategy Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div style="font-size: 12pt; font-weight: bold;">MFS SERIES TRUST XVI</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS Prudent Investor Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div style="font-size: 12pt; font-weight: bold;">STAND-ALONE FUNDS</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>Massachusetts Investors Growth Stock Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>Massachusetts Investors Trust</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div style="font-size: 12pt; font-weight: bold;">CLOSED-END FUNDS</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS California Municipal Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS Intermediate High Income Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS High Yield Municipal Trust</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS High Income Municipal Trust</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS Investment Grade Municipal Trust</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS Charter Income Trust</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS Municipal Income Trust</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS Special Value Trust</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS Government Markets Income Trust</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS Intermediate Income Trust</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS Multimarket Income Trust</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div style="font-size: 12pt; font-weight: bold;">MFS MUNICIPAL SERIES TRUST</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS Alabama Municipal Bond Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS Arkansas Municipal Bond Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS California Municipal Bond Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS Georgia Municipal Bond Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS Massachusetts Municipal Bond Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS Maryland Municipal Bond Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS Municipal Income Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS Mississippi Municipal Bond Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS North Carolina Municipal Bond Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS New York Municipal Bond Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS Pennsylvania Municipal Bond Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS South Carolina Municipal Bond Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS Tennessee Municipal Bond Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS Virginia Municipal Bond Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS West Virginia Municipal Bond Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div style="font-size: 12pt; font-weight: bold;">MFS INSTITUTIONAL TRUST</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS Institutional International Equity Fund</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div style="font-weight: bold;">MFS VARIABLE INSURANCE TRUST</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS Variable Insurance Trust - MFS Growth Series</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div>MFS Variable Insurance Trust - MFS Total Return Bond Series</div>
            </td>
          </tr>

      </table>
      <div style="font-size: 12pt;">&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="z1098b33268134c4781802347c8bbd422">

          <tr>
            <td style="width: 60.59%; vertical-align: middle;">&#160;</td>
            <td style="width: 39.41%; vertical-align: middle;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 60.59%; vertical-align: bottom;">
              <div>ICAP Bond</div>
            </td>
            <td style="width: 39.41%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 60.59%; vertical-align: bottom;">
              <div>Form 17-02-0949 (Ed. 1-97)</div>
            </td>
            <td style="width: 39.41%; vertical-align: bottom;">
              <div>Page 4</div>
            </td>
          </tr>

      </table>
    </div>
  </div>
  <div style="font-size: 12pt;"> <br>
  </div>
  <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div id="DSPFPageBreak" style="page-break-after: always;">
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  <div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="z5c7f4e9047b1428e87763c3fc31898e9">

        <tr>
          <td style="width: 100%; vertical-align: middle;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Variable Insurance Trust - MFS Research Series</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Variable Insurance Trust - MFS Global Equity Series</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Variable Insurance Trust - MFS Investors Trust Series</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Variable Insurance Trust - MFS Value Series</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Variable Insurance Trust - MFS Mid Cap Growth Series</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Variable Insurance Trust - MFS New Discovery Series</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Variable Insurance Trust - MFS Total Return Series</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS Variable Insurance Trust - MFS Utilities Series</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div style="font-weight: bold;">MFS Variable Insurance Trust II</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS VIT II - MFS Corporate Bond Portfolio</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS VIT II - MFS Blended Research Core Equity Portfolio</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS VIT II - MFS Emerging Markets Equity Portfolio</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS VIT II - MFS International Intrinsic Value Portfolio</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS VIT II - MFS International Growth Portfolio</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS VIT II - MFS Government Securities Portfolio</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS VIT II - MFS High Yield Portfolio</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS VIT II - MFS Massachusetts Investors Growth Stock Portfolio</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS VIT II - MFS U.S. Government Money Market Portfolio</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS VIT II - MFS Global Research Portfolio</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS VIT II - MFS Core Equity Portfolio</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS VIT II - MFS Research International Portfolio</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS VIT II - MFS Strategic Income Portfolio</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS VIT II - MFS Technology Portfolio</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS VIT II - MFS Global Growth Portfolio</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS VIT II - MFS Global Governments Portfolio</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS VIT II - MFS Global Tactical Allocation Portfolio</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div style="font-weight: bold;">MFS Variable Insurance Trust III</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS VIT III - MFS Conservative Allocation Portfolio</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS VIT III - MFS New Discovery Value Portfolio</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS VIT III - MFS Growth Allocation Portfolio</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS VIT III - MFS Inflation-Adjusted Bond Portfolio</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS VIT III - MFS Limited Maturity Portfolio</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS VIT III - MFS Moderate Allocation Portfolio</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS VIT III - MFS Mid Cap Value Portfolio</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS VIT III - MFS Global Real Estate Portfolio</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>MFS VIT III - MFS Blended Research Small Cap Equity Portfolio</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>This Endorsement applies to loss discovered after 12:01 a.m. on November 1, 2019.</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: middle;">
            <div style="font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: bottom;">
            <div>ALL OTHER TERMS AND CONDITIONS OF THIS BOND REMAIN UNCHANGED.</div>
          </td>
        </tr>

    </table>
    <div style="font-size: 12pt;">&#160;</div>
    <div style="margin-top: 12pt; margin-bottom: 12pt;">Date: January 17, 2020</div>
  </div>
  <div style="font-size: 12pt;"><img src="image00004.jpg">
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="z28bff3e65c7c4ada9496ee8cbc3bb47f">

          <tr>
            <td style="width: 60.59%; vertical-align: bottom;">
              <div>ICAP Bond</div>
            </td>
            <td style="width: 39.41%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 60.59%; vertical-align: bottom;">
              <div>Form 17-02-0949 (Ed. 1-97)</div>
            </td>
            <td style="width: 39.41%; vertical-align: bottom;">
              <div>Page 5</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="z784e00a4bcea4539a6696cfaa9d37ac6">

          <tr>
            <td style="width: 3.01%; vertical-align: middle;">&#160;</td>
            <td style="width: 3.01%; vertical-align: middle;">&#160;</td>
            <td style="width: 50.44%; vertical-align: middle;">&#160;</td>
            <td style="width: 1.97%; vertical-align: middle;">&#160;</td>
            <td style="width: 21.55%; vertical-align: middle;">&#160;</td>
            <td style="width: 9.8%; vertical-align: middle;">&#160;</td>
            <td style="width: 10.21%; vertical-align: middle;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 50.44%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 1.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="3" style="width: 41.57%; vertical-align: bottom;">
              <div style="text-align: right; font-weight: bold;">FEDERAL INSURANCE COMPANY</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 50.44%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 1.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 21.55%; vertical-align: bottom;">
              <div style="text-align: right;">Endorsement No.</div>
            </td>
            <td style="width: 9.8%; vertical-align: bottom;">
              <div style="text-indent: 0.1pt;">2</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 50.44%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 1.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 21.55%; vertical-align: bottom;">
              <div style="text-align: right;">Bond Number:</div>
            </td>
            <td style="width: 9.8%; vertical-align: bottom;">
              <div>81391896</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: bottom;">
              <div style="text-align: right;">NAME OF ASSURED: MASSACHUSETTS FINANCIAL SERVICES COMPANY DBA MFS INVESTMENT</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.01%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.01%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 50.44%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="text-indent: 93.85pt;">MANAGEMENT</div>
            </td>
            <td style="width: 1.97%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 21.55%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 9.8%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">REVISE ITEM 2. ENDORSEMENT</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: bottom;">
              <div style="text-align: right;">It is agreed that this Bond is amended by deleting ITEM 2. in its entirety on the DECLARATIONS and</div>
            </td>
          </tr>
          <tr>
            <td colspan="3" style="width: 56.46%; vertical-align: bottom;">
              <div style="text-indent: 4.55pt;">substituting the following:</div>
            </td>
            <td style="width: 1.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 21.55%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 9.8%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="3" style="width: 56.46%; vertical-align: bottom;">
              <div style="text-indent: 4.55pt;"><font style="font-weight: bold;">ITEM 2. </font>LIMITS OF LIABILITY-DEDUCTIBLE AMOUNTS:</div>
            </td>
            <td style="width: 1.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 21.55%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 9.8%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: bottom;">
              <div style="text-align: right;">If "Not Covered" is inserted below opposite any specified INSURING CLAUSE, such INSURING CLAUSE</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: bottom;">
              <div style="text-align: right;">and any other reference to such INSURING CLAUSE in this Bond shall be deemed to be deleted. <font style="font-weight: bold;">There</font></div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: bottom;">
              <div style="text-align: right; font-weight: bold;">shall be no deductible applicable to any loss under INSURING CLAUSE 1 sustained by any</div>
            </td>
          </tr>
          <tr>
            <td colspan="3" style="width: 56.46%; vertical-align: bottom;">
              <div style="text-indent: 4.55pt;"><font style="font-weight: bold;">Investment Company</font>.</div>
            </td>
            <td style="width: 1.97%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 21.55%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 9.8%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 50.44%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 23.53%; vertical-align: bottom;">
              <div>SINGLE LOSS</div>
            </td>
            <td colspan="2" style="width: 20.01%; vertical-align: bottom;">
              <div style="text-indent: 27.05pt;">DEDUCTIBLE</div>
            </td>
          </tr>
          <tr>
            <td colspan="3" style="width: 56.46%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="text-indent: 4.55pt;">INSURING CLAUSE</div>
            </td>
            <td colspan="2" style="width: 23.53%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div>LIMIT OF LIABILITY</div>
            </td>
            <td colspan="2" style="width: 20.01%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="text-indent: 27.05pt;">AMOUNT</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div style="text-align: right;">1</div>
            </td>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div>.</div>
            </td>
            <td style="width: 50.44%; vertical-align: bottom;">
              <div style="text-indent: 1.8pt;">Employee</div>
            </td>
            <td style="width: 1.97%; vertical-align: bottom;">
              <div>$</div>
            </td>
            <td style="width: 21.55%; vertical-align: bottom;">
              <div style="text-align: right;">25,000,000</div>
            </td>
            <td style="width: 9.8%; vertical-align: bottom;">
              <div style="text-indent: 27.05pt;">$</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom;">
              <div style="text-align: right;">100,000</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div style="text-align: right;">2</div>
            </td>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div>.</div>
            </td>
            <td style="width: 50.44%; vertical-align: bottom;">
              <div style="text-indent: 1.8pt;">On Premises</div>
            </td>
            <td style="width: 1.97%; vertical-align: bottom;">
              <div>$</div>
            </td>
            <td style="width: 21.55%; vertical-align: bottom;">
              <div style="text-align: right;">25,000,000</div>
            </td>
            <td style="width: 9.8%; vertical-align: bottom;">
              <div style="text-indent: 27.05pt;">$</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom;">
              <div style="text-align: right;">100,000</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div style="text-align: right;">3</div>
            </td>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div>.</div>
            </td>
            <td style="width: 50.44%; vertical-align: bottom;">
              <div style="text-indent: 1.8pt;">In Transit</div>
            </td>
            <td style="width: 1.97%; vertical-align: bottom;">
              <div>$</div>
            </td>
            <td style="width: 21.55%; vertical-align: bottom;">
              <div style="text-align: right;">25,000,000</div>
            </td>
            <td style="width: 9.8%; vertical-align: bottom;">
              <div style="text-indent: 27.05pt;">$</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom;">
              <div style="text-align: right;">100,000</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div style="text-align: right;">4</div>
            </td>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div>.</div>
            </td>
            <td style="width: 50.44%; vertical-align: bottom;">
              <div style="text-indent: 1.8pt;">Forgery or Alteration</div>
            </td>
            <td style="width: 1.97%; vertical-align: bottom;">
              <div>$</div>
            </td>
            <td style="width: 21.55%; vertical-align: bottom;">
              <div style="text-align: right;">25,000,000</div>
            </td>
            <td style="width: 9.8%; vertical-align: bottom;">
              <div style="text-indent: 27.05pt;">$</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom;">
              <div style="text-align: right;">100,000</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div style="text-align: right;">5</div>
            </td>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div>.</div>
            </td>
            <td style="width: 50.44%; vertical-align: bottom;">
              <div style="text-indent: 1.8pt;">Extended Forgery</div>
            </td>
            <td style="width: 1.97%; vertical-align: bottom;">
              <div>$</div>
            </td>
            <td style="width: 21.55%; vertical-align: bottom;">
              <div style="text-align: right;">25,000,000</div>
            </td>
            <td style="width: 9.8%; vertical-align: bottom;">
              <div style="text-indent: 27.05pt;">$</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom;">
              <div style="text-align: right;">100,000</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div style="text-align: right;">6</div>
            </td>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div>.</div>
            </td>
            <td style="width: 50.44%; vertical-align: bottom;">
              <div style="text-indent: 1.8pt;">Counterfeit Money</div>
            </td>
            <td style="width: 1.97%; vertical-align: bottom;">
              <div>$</div>
            </td>
            <td style="width: 21.55%; vertical-align: bottom;">
              <div style="text-align: right;">25,000,000</div>
            </td>
            <td style="width: 9.8%; vertical-align: bottom;">
              <div style="text-indent: 27.05pt;">$</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom;">
              <div style="text-align: right;">100,000</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div style="text-align: right;">7</div>
            </td>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div>.</div>
            </td>
            <td style="width: 50.44%; vertical-align: bottom;">
              <div style="text-indent: 1.8pt;">Threats to Person</div>
            </td>
            <td style="width: 1.97%; vertical-align: bottom;">
              <div>$</div>
            </td>
            <td style="width: 21.55%; vertical-align: bottom;">
              <div style="text-align: right;">Not Covered</div>
            </td>
            <td colspan="2" style="width: 20.01%; vertical-align: bottom;">
              <div style="text-indent: 27.05pt;">$ Not Covered</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div style="text-align: right;">8</div>
            </td>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div>.</div>
            </td>
            <td style="width: 50.44%; vertical-align: bottom;">
              <div style="text-indent: 1.8pt;">Computer System</div>
            </td>
            <td style="width: 1.97%; vertical-align: bottom;">
              <div>$</div>
            </td>
            <td style="width: 21.55%; vertical-align: bottom;">
              <div style="text-align: right;">25,000,000</div>
            </td>
            <td style="width: 9.8%; vertical-align: bottom;">
              <div style="text-indent: 27.05pt;">$</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom;">
              <div style="text-align: right;">100,000</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div style="text-align: right;">9</div>
            </td>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div>.</div>
            </td>
            <td style="width: 50.44%; vertical-align: bottom;">
              <div style="text-indent: 2.05pt;">Voice Initiated Funds Transfer Instruction</div>
            </td>
            <td style="width: 1.97%; vertical-align: bottom;">
              <div>$</div>
            </td>
            <td style="width: 21.55%; vertical-align: bottom;">
              <div style="text-align: right;">25,000,000</div>
            </td>
            <td style="width: 9.8%; vertical-align: bottom;">
              <div style="text-indent: 27.05pt;">$</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom;">
              <div style="text-align: right;">100,000</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div style="text-align: right;">10</div>
            </td>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div>.</div>
            </td>
            <td style="width: 50.44%; vertical-align: bottom;">
              <div style="text-indent: 2.65pt;">Uncollectible Items of Deposit</div>
            </td>
            <td style="width: 1.97%; vertical-align: bottom;">
              <div>$</div>
            </td>
            <td style="width: 21.55%; vertical-align: bottom;">
              <div style="text-align: right;">250,000</div>
            </td>
            <td style="width: 9.8%; vertical-align: bottom;">
              <div style="text-indent: 27.05pt;">$</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom;">
              <div style="text-align: right;">100,000</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div style="text-align: right;">11</div>
            </td>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div>.</div>
            </td>
            <td style="width: 50.44%; vertical-align: bottom;">
              <div style="text-indent: 2.65pt;">Audit Expense</div>
            </td>
            <td style="width: 1.97%; vertical-align: bottom;">
              <div>$</div>
            </td>
            <td style="width: 21.55%; vertical-align: bottom;">
              <div style="text-align: right;">250,000</div>
            </td>
            <td style="width: 9.8%; vertical-align: bottom;">
              <div style="text-indent: 27.05pt;">$</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom;">
              <div style="text-align: right;">100,000</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div style="text-align: right;">12</div>
            </td>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div>.</div>
            </td>
            <td style="width: 50.44%; vertical-align: bottom;">
              <div style="text-indent: 2.65pt;">Unauthorized Signature</div>
            </td>
            <td style="width: 1.97%; vertical-align: bottom;">
              <div>$</div>
            </td>
            <td style="width: 21.55%; vertical-align: bottom;">
              <div style="text-align: right;">25,000,000</div>
            </td>
            <td style="width: 9.8%; vertical-align: bottom;">
              <div style="text-indent: 27.05pt;">$</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom;">
              <div style="text-align: right;">100,000</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div style="text-align: right;">13</div>
            </td>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div>.</div>
            </td>
            <td style="width: 50.44%; vertical-align: bottom;">
              <div style="text-indent: 2.65pt;">Claims Expense</div>
            </td>
            <td style="width: 1.97%; vertical-align: bottom;">
              <div>$</div>
            </td>
            <td style="width: 21.55%; vertical-align: bottom;">
              <div style="text-align: right;">250,000</div>
            </td>
            <td style="width: 9.8%; vertical-align: bottom;">
              <div style="text-indent: 27.05pt;">$</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom;">
              <div style="text-align: right;">100,000</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div style="text-align: right;">14</div>
            </td>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div>.</div>
            </td>
            <td style="width: 50.44%; vertical-align: bottom;">
              <div style="text-indent: 2.65pt;">Automated Phone System</div>
            </td>
            <td style="width: 1.97%; vertical-align: bottom;">
              <div>$</div>
            </td>
            <td style="width: 21.55%; vertical-align: bottom;">
              <div style="text-align: right;">25,000,000</div>
            </td>
            <td style="width: 9.8%; vertical-align: bottom;">
              <div style="text-indent: 27.05pt;">$</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom;">
              <div style="text-align: right;">100,000</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div style="text-align: right;">15</div>
            </td>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div>.</div>
            </td>
            <td style="width: 50.44%; vertical-align: bottom;">
              <div>Computer Systems &amp; Voice Instruction</div>
            </td>
            <td style="width: 1.97%; vertical-align: bottom;">
              <div>$</div>
            </td>
            <td style="width: 21.55%; vertical-align: bottom;">
              <div style="text-align: right;">25,000,000</div>
            </td>
            <td style="width: 9.8%; vertical-align: bottom;">
              <div style="text-indent: 27.05pt;">$</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom;">
              <div style="text-align: right;">100,000</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div style="text-align: right;">16</div>
            </td>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div>.</div>
            </td>
            <td style="width: 50.44%; vertical-align: bottom;">
              <div>Destruction of Data or Programs by Hacker</div>
            </td>
            <td style="width: 1.97%; vertical-align: bottom;">
              <div>$</div>
            </td>
            <td style="width: 21.55%; vertical-align: bottom;">
              <div style="text-align: right;">25,000,000</div>
            </td>
            <td style="width: 9.8%; vertical-align: bottom;">
              <div style="text-indent: 27.05pt;">$</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom;">
              <div style="text-align: right;">100,000</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div style="text-align: right;">17</div>
            </td>
            <td style="width: 3.01%; vertical-align: bottom;">
              <div>.</div>
            </td>
            <td style="width: 50.44%; vertical-align: bottom;">
              <div>Destruction of Data or Programs by Virus</div>
            </td>
            <td style="width: 1.97%; vertical-align: bottom;">
              <div>$</div>
            </td>
            <td style="width: 21.55%; vertical-align: bottom;">
              <div style="text-align: right;">25,000,000</div>
            </td>
            <td style="width: 9.8%; vertical-align: bottom;">
              <div style="text-indent: 27.05pt;">$</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom;">
              <div style="text-align: right;">100,000</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="5" style="width: 79.99%; vertical-align: bottom;">
              <div style="text-align: right;">This Endorsement applies to loss discovered after 12:01 a.m. on November 1, 2019.</div>
            </td>
            <td style="width: 9.8%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="5" style="width: 79.99%; vertical-align: bottom;">
              <div style="text-align: right;">ALL OTHER TERMS AND CONDITIONS OF THIS BOND REMAIN UNCHANGED.</div>
            </td>
            <td style="width: 9.8%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>

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      <div>&#160;</div>
      <div style="margin-top: 12pt; margin-bottom: 12pt; font-size: 10pt;">Date: January 17, 2020</div>
    </div>
    <div><img src="image00004.jpg"></div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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    <div>
      <div><br>
      </div>
      <div style="margin-top: 12pt; margin-bottom: 12pt;"><font style="font-size: 10pt;">ICAP Bond</font><br>
        <font style="font-size: 10pt;">Form 17-02-1582 (Ed. 5-98)</font></div>
      <div style="margin-top: 12pt; margin-bottom: 12pt; font-size: 10pt;">Page 2</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
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      <div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="zbb35711b4c65499ab9f8f7c9427c35c0">

            <tr>
              <td style="width: 3.17%; vertical-align: middle;">&#160;</td>
              <td style="width: 2.11%; vertical-align: middle;">&#160;</td>
              <td style="width: 5.26%; vertical-align: middle;">&#160;</td>
              <td style="width: 2.1%; vertical-align: middle;">&#160;</td>
              <td style="width: 4.22%; vertical-align: middle;">&#160;</td>
              <td style="width: 2.1%; vertical-align: middle;">&#160;</td>
              <td style="width: 55.78%; vertical-align: middle;">&#160;</td>
              <td style="width: 25.26%; vertical-align: middle;">&#160;</td>
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            <tr>
              <td style="width: 3.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.11%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 5.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="2" style="width: 81.04%; vertical-align: bottom;">
                <div style="text-indent: 194.45pt; font-weight: bold;">FEDERAL INSURANCE COMPANY</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.11%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 5.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="2" style="width: 81.04%; vertical-align: bottom;">
                <div style="text-indent: 194.45pt;">Endorsement No.: 3</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.11%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 5.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 55.78%; vertical-align: bottom;">
                <div style="text-indent: 194.45pt;">Bond Number:</div>
              </td>
              <td style="width: 25.26%; vertical-align: bottom;">
                <div style="text-align: right;">81391896</div>
              </td>
            </tr>
            <tr>
              <td colspan="8" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td colspan="8" style="width: 100%; vertical-align: bottom;">
                <div style="text-align: right;">NAME OF ASSURED: MASSACHUSETTS FINANCIAL SERVICES COMPANY DBA MFS INVESTMENT</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3.17%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.11%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 5.26%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.1%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.22%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.1%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 55.78%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="text-indent: 25.2pt;">MANAGEMENT</div>
              </td>
              <td style="width: 25.26%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td colspan="8" style="width: 100%; vertical-align: bottom;">
                <div style="text-align: center; font-weight: bold;">UNAUTHORIZED SIGNATURE ENDORSEMENT</div>
              </td>
            </tr>
            <tr>
              <td colspan="7" style="width: 74.74%; vertical-align: bottom;">
                <div>It is agreed that this Bond is amended as follows:</div>
              </td>
              <td style="width: 25.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3.17%; vertical-align: bottom;">
                <div style="text-align: right;">1</div>
              </td>
              <td style="width: 2.11%; vertical-align: bottom;">
                <div>.</div>
              </td>
              <td colspan="5" style="width: 69.46%; vertical-align: bottom;">
                <div>By adding the following INSURING CLAUSE:</div>
              </td>
              <td style="width: 25.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.11%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 5.26%; vertical-align: bottom;">
                <div style="text-align: right;">12</div>
              </td>
              <td style="width: 2.1%; vertical-align: bottom;">
                <div>.</div>
              </td>
              <td colspan="3" style="width: 62.1%; vertical-align: bottom;">
                <div>Unauthorized Signature</div>
              </td>
              <td style="width: 25.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.11%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 5.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="4" style="width: 87.36%; vertical-align: bottom;">
                <div style="text-align: right;">Loss resulting directly from the ASSURED having accepted, paid or cashed any check or</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.11%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 5.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="4" style="width: 87.36%; vertical-align: bottom;">
                <div style="text-align: right;"><font style="font-weight: bold;">Withdrawal Order </font>made or drawn on or against the account of the ASSURED&#8217;S customer</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.11%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 5.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="4" style="width: 87.36%; vertical-align: bottom;">
                <div style="text-align: right;">which bears the signature or endorsement of one other than a person whose name and signature</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.11%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 5.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="3" style="width: 62.1%; vertical-align: bottom;">
                <div>is on file with the ASSURED as a signatory on such account.</div>
              </td>
              <td style="width: 25.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.11%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 5.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="4" style="width: 87.36%; vertical-align: bottom;">
                <div style="text-align: right;">It shall be a condition precedent to the ASSURED'S right of recovery under this INSURING</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.11%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 5.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="4" style="width: 87.36%; vertical-align: bottom;">
                <div style="text-align: right;">CLAUSE that the ASSURED shall have on file signatures of all the persons who are signatories</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.11%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 5.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="3" style="width: 62.1%; vertical-align: bottom;">
                <div>on such account.</div>
              </td>
              <td style="width: 25.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3.17%; vertical-align: bottom;">
                <div style="text-align: right;">2</div>
              </td>
              <td style="width: 2.11%; vertical-align: bottom;">
                <div>.</div>
              </td>
              <td colspan="5" style="width: 69.46%; vertical-align: bottom;">
                <div>By adding to Section 1., Definitions, the following:</div>
              </td>
              <td style="width: 25.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.11%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 5.26%; vertical-align: bottom;">
                <div style="text-align: right;">r.</div>
              </td>
              <td style="width: 2.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="4" style="width: 87.36%; vertical-align: bottom;">
                <div style="text-align: right;"><font style="font-weight: bold;">Instruction </font>means a written order to the issuer of an <font style="font-weight: bold;">Uncertificated Security </font>requesting that the</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.11%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 5.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="4" style="width: 87.36%; vertical-align: bottom;">
                <div style="text-align: right;">transfer, pledge or release from pledge of the specified <font style="font-weight: bold;">Uncertificated Security </font>be registered.</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.11%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 5.26%; vertical-align: bottom;">
                <div style="text-align: right;">s.</div>
              </td>
              <td style="width: 2.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="4" style="width: 87.36%; vertical-align: bottom;">
                <div style="text-align: right;"><font style="font-weight: bold;">Uncertificated Security </font>means a share, participation or other interest in property of or an</div>
              </td>
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            <tr>
              <td style="width: 3.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.11%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 5.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="3" style="width: 62.1%; vertical-align: bottom;">
                <div>enterprise of the issuer or an obligation of the issuer, which is:</div>
              </td>
              <td style="width: 25.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.11%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 5.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.22%; vertical-align: bottom;">
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              <td style="width: 2.1%; vertical-align: bottom;">
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              <td colspan="2" style="width: 81.04%; vertical-align: bottom;">
                <div style="text-align: right;">not represented by an instrument and the transfer of which is registered on books</div>
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              <td style="width: 3.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.11%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 5.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 55.78%; vertical-align: bottom;">
                <div>maintained for that purpose by or on behalf of the issuer, and</div>
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              <td style="width: 25.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
              <td style="width: 3.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.11%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 5.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.22%; vertical-align: bottom;">
                <div style="text-align: right;">(2</div>
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                <div>of a type commonly dealt in on securities exchanges or markets, and</div>
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              <td style="width: 3.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.11%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 5.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 4.22%; vertical-align: bottom;">
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              <td style="width: 2.1%; vertical-align: bottom;">
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                <div style="text-align: right;">either one of a class or series or by its terms divisible into a class or series of shares,</div>
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              <td style="width: 3.17%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.11%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 5.26%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 4.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>participations, interests or obligations.</div>
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              <td style="width: 25.26%; vertical-align: bottom;">
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        <div>&#160;</div>
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              <td style="width: 60.61%; vertical-align: middle;">&#160;</td>
              <td style="width: 39.39%; vertical-align: middle;">&#160;</td>
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            <tr>
              <td style="width: 60.61%; vertical-align: bottom;">
                <div>ICAP Bond</div>
              </td>
              <td style="width: 39.39%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 60.61%; vertical-align: bottom;">
                <div>Form 17-02-5602 (Ed. 10-03)</div>
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              <td style="width: 39.39%; vertical-align: bottom;">
                <div>Page 1</div>
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        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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            <tr>
              <td style="width: 8.08%; vertical-align: middle;">&#160;</td>
              <td style="width: 91.92%; vertical-align: middle;">&#160;</td>
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            <tr>
              <td style="width: 8.08%; vertical-align: bottom;">
                <div style="text-indent: 25.2pt;">t.</div>
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                <div><font style="font-weight: bold;">Withdrawal Order </font>means a non-negotiable instrument, other than an <font style="font-weight: bold;">Instruction</font>, signed by a</div>
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              <td style="width: 8.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 91.92%; vertical-align: bottom;">
                <div>customer of the ASSURED authorizing the ASSURED to debit the customer&#8217;s account in the</div>
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              <td style="width: 8.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 91.92%; vertical-align: bottom;">
                <div>amount of funds stated therein.</div>
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            <tr>
              <td colspan="2" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td colspan="2" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
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            <tr>
              <td colspan="2" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
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            <tr>
              <td colspan="2" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td colspan="2" style="width: 100%; vertical-align: bottom;">
                <div>This Endorsement applies to loss discovered after 12:01 a.m. on November 1, 2019.</div>
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            <tr>
              <td colspan="2" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
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            <tr>
              <td colspan="2" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td colspan="2" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
              <td colspan="2" style="width: 100%; vertical-align: bottom;">
                <div>ALL OTHER TERMS AND CONDITIONS OF THIS BOND REMAIN UNCHANGED.</div>
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        <div>&#160;</div>
        <div style="margin-top: 12pt; margin-bottom: 12pt; font-size: 10pt;">Date: January 17, 2020</div>
        <div style="margin-top: 12pt; margin-bottom: 12pt; font-size: 10pt;"> <img src="image00004.jpg"></div>
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    </div>
    <div>
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          <tr>
            <td style="width: 60.61%; vertical-align: bottom;">
              <div>ICAP Bond</div>
            </td>
            <td style="width: 39.39%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 60.61%; vertical-align: bottom;">
              <div>Form 17-02-5602 (Ed. 10-03)</div>
            </td>
            <td style="width: 39.39%; vertical-align: bottom;">
              <div>Page 2</div>
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    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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          <tr>
            <td style="width: 3.07%; vertical-align: middle;">&#160;</td>
            <td style="width: 3.07%; vertical-align: middle;">&#160;</td>
            <td style="width: 10.21%; vertical-align: middle;">&#160;</td>
            <td style="width: 3.06%; vertical-align: middle;">&#160;</td>
            <td style="width: 57.14%; vertical-align: middle;">&#160;</td>
            <td style="width: 23.46%; vertical-align: middle;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 3.07%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.07%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 80.6%; vertical-align: bottom;">
              <div style="text-indent: 185.45pt; font-weight: bold;">FEDERAL INSURANCE COMPANY</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.07%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.07%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div style="text-indent: 185.45pt;">Endorsement No.:</div>
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            <td style="width: 23.46%; vertical-align: bottom;">
              <div>4</div>
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          </tr>
          <tr>
            <td style="width: 3.07%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.07%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div style="text-indent: 185.45pt;">Bond Number:</div>
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              <div>81391896</div>
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          <tr>
            <td colspan="6" style="width: 100%; vertical-align: bottom;">
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            </td>
          </tr>
          <tr>
            <td style="width: 3.07%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.07%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.06%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 57.14%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="text-indent: 25.2pt;">MANAGEMENT</div>
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            <td style="width: 23.46%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="font-size: 12pt;">&#160;</div>
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          </tr>
          <tr>
            <td colspan="6" style="width: 100%; vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">CLAIMS EXPENSE ENDORSEMENT</div>
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            <td colspan="5" style="width: 76.54%; vertical-align: bottom;">
              <div>It is agreed that this Bond is amended as follows:</div>
            </td>
            <td style="width: 23.46%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.07%; vertical-align: bottom;">
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              <div>By adding the following INSURING CLAUSE:</div>
            </td>
            <td style="width: 23.46%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.07%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.07%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="3" style="width: 70.4%; vertical-align: bottom;">
              <div>13. Claims Expense</div>
            </td>
            <td style="width: 23.46%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.07%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.07%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="4" style="width: 93.87%; vertical-align: bottom;">
              <div style="text-indent: 25.2pt;">Reasonable expense incurred by the ASSURED, solely for independent firms or individuals to</div>
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          </tr>
          <tr>
            <td style="width: 3.07%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.07%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="3" style="width: 70.4%; vertical-align: bottom;">
              <div style="text-indent: 25.2pt;">determine the amount of loss where:</div>
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            <td style="width: 23.46%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.07%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.07%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom;">
              <div style="text-align: right;">(1</div>
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            <td style="width: 3.06%; vertical-align: bottom;">
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            <td style="width: 57.14%; vertical-align: bottom;">
              <div>the loss is covered under the Bond, and</div>
            </td>
            <td style="width: 23.46%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.07%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.07%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 10.21%; vertical-align: bottom;">
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            <td style="width: 3.06%; vertical-align: bottom;">
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            <td style="width: 23.46%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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          </tr>
          <tr>
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            <td style="width: 3.07%; vertical-align: bottom;">
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          <tr>
            <td style="width: 3.07%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.07%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 23.46%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="6" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="6" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="6" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="6" style="width: 100%; vertical-align: bottom;">
              <div>This Endorsement applies to loss discovered after 12:01 a.m. on November 1, 2019.</div>
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          </tr>
          <tr>
            <td colspan="6" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="6" style="width: 100%; vertical-align: bottom;">
              <div>ALL OTHER TERMS AND CONDITIONS OF THIS BOND REMAIN UNCHANGED.</div>
            </td>
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      <div>&#160;</div>
      <div style="margin-top: 12pt; margin-bottom: 12pt; font-size: 10pt;">Date: January 17, 2020</div>
    </div>
    <div>
      <div style="margin-top: 12pt; margin-bottom: 12pt; font-size: 10pt;"> <img src="image00004.jpg">
        <div>
          <div><br>
          </div>
          <div style="margin-top: 12pt; margin-bottom: 12pt;">ICAP Bond</div>
          <div>Form 17-02-6282 (Ed. 11-04)</div>
          <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
            <div id="DSPFPageBreak" style="page-break-after: always;">
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          <div>
            <div><br>
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                  <td style="width: 3.09%; vertical-align: middle;">&#160;</td>
                  <td style="width: 2.06%; vertical-align: middle;">&#160;</td>
                  <td style="width: 41.24%; vertical-align: middle;">&#160;</td>
                  <td style="width: 23.72%; vertical-align: middle;">&#160;</td>
                  <td style="width: 29.9%; vertical-align: middle;">&#160;</td>
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                <tr>
                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 41.24%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 23.72%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 29.9%; vertical-align: bottom;">
                    <div style="text-align: right; font-weight: bold;">ENDORSEMENT/RIDER</div>
                  </td>
                </tr>
                <tr>
                  <td colspan="5" style="width: 100%; vertical-align: middle;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                </tr>
                <tr>
                  <td colspan="3" style="width: 46.38%; vertical-align: bottom;">
                    <div>Effective date of</div>
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                  <td style="width: 23.72%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 29.9%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                </tr>
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                  <td colspan="3" style="width: 46.38%; vertical-align: bottom;">
                    <div>this endorsement/rider: November 1, 2019</div>
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                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 41.24%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 23.72%; vertical-align: bottom;">
                    <div>Endorsement/Rider No.</div>
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                  <td style="width: 29.9%; vertical-align: bottom;">
                    <div style="text-align: right;">5</div>
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                  <td colspan="5" style="width: 100%; vertical-align: middle;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 41.24%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 41.24%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td colspan="5" style="width: 100%; vertical-align: middle;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div style="text-align: right;">Issued to: MASSACHUSETTS FINANCIAL SERVICES COMPANY DBA MFS INVESTMENT</div>
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                  <td style="width: 3.09%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 2.06%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 29.9%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td colspan="5" style="width: 100%; vertical-align: middle;">
                    <div style="font-size: 12pt;">&#160;</div>
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                <tr>
                  <td colspan="5" style="width: 100%; vertical-align: middle;">
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                  <td colspan="5" style="width: 100%; vertical-align: middle;">
                    <div style="font-size: 12pt;">&#160;</div>
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                <tr>
                  <td colspan="4" style="width: 70.1%; vertical-align: bottom;">
                    <div>In consideration of the premium charged, it is agreed that:</div>
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                  <td style="width: 29.9%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td colspan="5" style="width: 100%; vertical-align: middle;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="text-align: right;">(1</div>
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                  <td colspan="5" style="width: 100%; vertical-align: middle;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>Automated Phone System Insuring Clause</div>
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                  <td style="width: 23.72%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 29.9%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td colspan="5" style="width: 100%; vertical-align: middle;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>Clause the ASSURED shall maintain and follow all APS Designated Procedures with respect to APS</div>
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                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>Transactions. The isolated failure of the ASSURED to maintain and follow a particular APS Designated</div>
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                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>Procedure in a particular instance will not preclude coverage under this Automated Phone System</div>
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                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td colspan="2" style="width: 64.95%; vertical-align: bottom;">
                    <div>Insuring Clause subject to the exclusions herein and in this Bond.</div>
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                  <td style="width: 29.9%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                <tr>
                  <td colspan="5" style="width: 100%; vertical-align: middle;">
                    <div style="font-size: 12pt;">&#160;</div>
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                <tr>
                  <td style="width: 3.09%; vertical-align: bottom;">
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                  <td style="width: 2.06%; vertical-align: bottom;">
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                  <td colspan="2" style="width: 64.95%; vertical-align: bottom;">
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                  <td style="width: 29.9%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td colspan="5" style="width: 100%; vertical-align: middle;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td colspan="3" style="width: 94.86%; vertical-align: bottom;">
                    <div>Automated Phone System or APS means an automated system which receives and converts to</div>
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                </tr>
                <tr>
                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td colspan="3" style="width: 94.86%; vertical-align: bottom;">
                    <div>executable instructions transmissions over the telephone through use of a touch-tone keypad or other</div>
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                <tr>
                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td colspan="3" style="width: 94.86%; vertical-align: bottom;">
                    <div>tone system or voice recognition system, and always excluding transmissions from a computer system</div>
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                <tr>
                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 23.72%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 29.9%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                <tr>
                  <td colspan="5" style="width: 100%; vertical-align: middle;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
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                <tr>
                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td colspan="3" style="width: 94.86%; vertical-align: bottom;">
                    <div>APS Transaction means any APS Purchase, APS Redemption, APS Election or APS Exchange.</div>
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                <tr>
                  <td colspan="5" style="width: 100%; vertical-align: middle;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
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                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td colspan="3" style="width: 94.86%; vertical-align: bottom;">
                    <div>APS Purchase means any purchase of shares issued by an Investment Company which is requested</div>
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                <tr>
                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 41.24%; vertical-align: bottom;">
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                  <td style="width: 23.72%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 29.9%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                <tr>
                  <td colspan="5" style="width: 100%; vertical-align: middle;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td colspan="3" style="width: 94.86%; vertical-align: bottom;">
                    <div>APS Redemption means any redemption of shares issued by an Investment Company which is</div>
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                </tr>
                <tr>
                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>requested over the telephone by means of information transmitted by an individual caller through use of</div>
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                <tr>
                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td colspan="2" style="width: 64.95%; vertical-align: bottom;">
                    <div>a telephone keypad or voice recognition system.</div>
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                  <td style="width: 29.9%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                </tr>
                <tr>
                  <td colspan="5" style="width: 100%; vertical-align: middle;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td colspan="3" style="width: 94.86%; vertical-align: bottom;">
                    <div>APS Election means any election concerning various account features available to Fund shareholders</div>
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                </tr>
                <tr>
                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>which is made over the telephone by means of information transmitted by an individual caller through</div>
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                <tr>
                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>use of a telephone keypad or voice recognition system. These features include account statements, auto</div>
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                <tr>
                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>exchange, auto asset builder, automatic withdrawal, dividend/capital gain options, dividend sweep,</div>
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                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>telephone balance consent and change of address.</div>
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                  <td style="width: 29.9%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td colspan="3" style="width: 94.86%; vertical-align: bottom;">
                    <div>APS Exchange means any exchange of shares in a registered account of one Fund into shares in an</div>
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                <tr>
                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>account with the same tax identification number and same ownership-type code of another Fund in the</div>
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                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>same complex pursuant to exchange privileges of the two Funds, which exchange is requested over the</div>
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                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>telephone by means of information transmitted by an Individual caller through use of a telephone keypad</div>
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                <tr>
                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>or voice recognition system.</div>
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                  <td style="width: 23.72%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 29.9%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 3.09%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                  <td style="width: 2.06%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
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                    <div>APS Designated Procedures means all of the following procedures:</div>
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                    <div style="font-size: 12pt;">&#160;</div>
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            <div style="font-size: 12pt;">&#160;</div>
            <div style="margin-top: 12pt; margin-bottom: 12pt;">Q08-2343 (12/2008)</div>
            <div style="margin-top: 12pt; margin-bottom: 12pt;">Page 1</div>
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                    <td style="width: 8.16%; vertical-align: middle;">&#160;</td>
                    <td style="width: 2.04%; vertical-align: middle;">&#160;</td>
                    <td style="width: 5.1%; vertical-align: middle;">&#160;</td>
                    <td style="width: 84.7%; vertical-align: middle;">&#160;</td>
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                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="text-align: right;">(1</div>
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                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div>)</div>
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                    <td colspan="2" style="width: 89.8%; vertical-align: bottom;">
                      <div>Election in Application No APS Redemption shall be executed unless the shareholder to whose</div>
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                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td colspan="2" style="width: 89.8%; vertical-align: bottom;">
                      <div>account such an APS Redemption relates has previously elected to permit Telephone</div>
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                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td colspan="2" style="width: 89.8%; vertical-align: bottom;">
                      <div>Redemptions.</div>
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                  <tr>
                    <td colspan="4" style="width: 100%; vertical-align: middle;">
                      <div style="font-size: 12pt;">&#160;</div>
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                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="text-align: right;">(2</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div>)</div>
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                    <td colspan="2" style="width: 89.8%; vertical-align: bottom;">
                      <div>Logging: All APS Purchases, Redemptions or Exchanges shall be logged or otherwise recorded</div>
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                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
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                      <div>and the records shall be retained for at least six (6) months. Information contained in the records</div>
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                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
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                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
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                      <div>shall be capable of being retrieved and produced within a reasonable time after retrieval of specific</div>
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                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td colspan="2" style="width: 89.8%; vertical-align: bottom;">
                      <div>information is requested, at a success rate of no less than 85 percent.</div>
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                  <tr>
                    <td colspan="4" style="width: 100%; vertical-align: middle;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
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                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="text-align: right;">(3</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div>)</div>
                    </td>
                    <td colspan="2" style="width: 89.8%; vertical-align: bottom;">
                      <div>Identity Test: The caller in any request for an APS Transaction, must first input his/her account</div>
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                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
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                      <div>number, the last four digits of his/her social security number, and finally, his/her personal</div>
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                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
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                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
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                      <div>identification number (&#8220;PIN&#8221;). It is proposed that in addition to this procedure, a customer may:</div>
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                    <td colspan="4" style="width: 100%; vertical-align: middle;">
                      <div style="font-size: 12pt;">&#160;</div>
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                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 5.1%; vertical-align: bottom;">
                      <div>(a)</div>
                    </td>
                    <td style="width: 84.7%; vertical-align: bottom;">
                      <div style="text-align: right;">begin by saying or pressing his/her account number, then say or press his/her PIN, or</div>
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                  <tr>
                    <td colspan="4" style="width: 100%; vertical-align: middle;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
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                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
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                      <div style="text-align: right;">begin by saying or pressing his/her social security number, then say or press his/her PIN and</div>
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                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 5.1%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
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                      <div style="text-align: right;">lastly, say name of fund or account number (or press account number).</div>
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                    <td colspan="4" style="width: 100%; vertical-align: middle;">
                      <div style="font-size: 12pt;">&#160;</div>
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                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 5.1%; vertical-align: bottom;">
                      <div>(c)</div>
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                    <td style="width: 84.7%; vertical-align: bottom;">
                      <div style="text-align: right;">Limited attempts to Enter PIN: If the caller fails to enter a correct PIN within (3) three</div>
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                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 5.1%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
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                    <td style="width: 84.7%; vertical-align: bottom;">
                      <div style="text-align: right;">attempts, the caller must not be allowed additional attempts during the same telephone call</div>
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                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 5.1%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 84.7%; vertical-align: bottom;">
                      <div style="text-align: right;">to enter the PIN. The caller may either be instructed to redial a customer service</div>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="4" style="width: 100%; vertical-align: bottom;">
                      <div style="text-align: center;">representative or may be immediately connected to such a representative.</div>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="4" style="width: 100%; vertical-align: middle;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                  </tr>
                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 5.1%; vertical-align: bottom;">
                      <div>(d)</div>
                    </td>
                    <td style="width: 84.7%; vertical-align: bottom;">
                      <div style="text-align: right;">Written Confirmation: A written confirmation of any APS Purchase, Redemption, Exchange</div>
                    </td>
                  </tr>
                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 5.1%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
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                    <td style="width: 84.7%; vertical-align: bottom;">
                      <div style="text-align: right;">or change of address shall be mailed to the shareholder(s) to whose account such</div>
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                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 5.1%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
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                    <td style="width: 84.7%; vertical-align: bottom;">
                      <div style="text-align: right;">transaction relates, at the record address, by the end of the ASSURED&#8217;S next regular</div>
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                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 5.1%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 84.7%; vertical-align: bottom;">
                      <div style="text-align: right;">processing cycle, but in no event later than five (5) business days following such APS</div>
                    </td>
                  </tr>
                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 5.1%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 84.7%; vertical-align: bottom;">
                      <div style="text-align: right;">Transaction.</div>
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                  <tr>
                    <td colspan="4" style="width: 100%; vertical-align: middle;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                  </tr>
                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 5.1%; vertical-align: bottom;">
                      <div>(e)</div>
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                    <td style="width: 84.7%; vertical-align: bottom;">
                      <div style="text-align: right;">Access to APS Equipment: Access to the equipment which permits the entity receiving the</div>
                    </td>
                  </tr>
                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 5.1%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
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                    <td style="width: 84.7%; vertical-align: bottom;">
                      <div style="text-align: right;">APS Transaction request to process and effect the transaction shall be limited in the</div>
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                  </tr>
                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 5.1%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
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                    <td style="width: 84.7%; vertical-align: bottom;">
                      <div style="text-align: right;">following manner: The Shareholder Services Group, Inc., accesses the hardware housing the</div>
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                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 5.1%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 84.7%; vertical-align: bottom;">
                      <div>Mutual Fund On-Line system which effects transactions.</div>
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                  </tr>
                  <tr>
                    <td colspan="4" style="width: 100%; vertical-align: middle;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="4" style="width: 100%; vertical-align: bottom;">
                      <div style="text-align: right;">(3) With respect to the coverage afforded pursuant to the Automated Phone Systems Insuring Clause, this</div>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="4" style="width: 100%; vertical-align: bottom;">
                      <div style="text-align: right;">Bond does not directly or indirectly cover any loss resulting from:</div>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="4" style="width: 100%; vertical-align: middle;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                  </tr>
                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="text-align: right;">(1</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div>)</div>
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                    <td colspan="2" style="width: 89.8%; vertical-align: bottom;">
                      <div>the redemption of shares, where the proceeds of such redemption are made payable to other than</div>
                    </td>
                  </tr>
                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
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                      <div>(i) the shareholder of record, or (ii) a person designated to receive redemption proceeds, or (iii) a</div>
                    </td>
                  </tr>
                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td colspan="2" style="width: 89.8%; vertical-align: bottom;">
                      <div>bank account designated to receive redemption proceeds; or</div>
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                  </tr>
                  <tr>
                    <td colspan="4" style="width: 100%; vertical-align: middle;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                  </tr>
                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="text-align: right;">(2</div>
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                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div>)</div>
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                    <td colspan="2" style="width: 89.8%; vertical-align: bottom;">
                      <div>the redemption of shares, where the proceeds of such redemption are paid by check mailed to any</div>
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                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
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                      <div>address, unless such address has either been (i) designated by voice over the telephone or in</div>
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                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
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                      <div>writing without a signature guarantee. In either case at least thirty (30) days prior to such</div>
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                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td colspan="2" style="width: 89.8%; vertical-align: bottom;">
                      <div>redemption, or (ii) designated, or (iii) verified by any other procedures, if such procedures are</div>
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                  </tr>
                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
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                    <td colspan="2" style="width: 89.8%; vertical-align: bottom;">
                      <div>stated below in this Endorsement; or</div>
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                  </tr>
                  <tr>
                    <td colspan="4" style="width: 100%; vertical-align: middle;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                  </tr>
                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="text-align: right;">(3</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div>)</div>
                    </td>
                    <td colspan="2" style="width: 89.8%; vertical-align: bottom;">
                      <div>the redemption of shares, where the proceeds of such redemption are paid by wire transfer to</div>
                    </td>
                  </tr>
                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div style="font-size: 12pt;">&#160;</div>
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                    <td colspan="2" style="width: 89.8%; vertical-align: bottom;">
                      <div>other than the shareholders designated bank account of record; or</div>
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                  </tr>
                  <tr>
                    <td colspan="4" style="width: 100%; vertical-align: middle;">
                      <div style="font-size: 12pt;">&#160;</div>
                    </td>
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                  <tr>
                    <td style="width: 8.16%; vertical-align: bottom;">
                      <div style="text-align: right;">(4</div>
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                    <td style="width: 2.04%; vertical-align: bottom;">
                      <div>)</div>
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                    <td colspan="2" style="width: 89.8%; vertical-align: bottom;">
                      <div>the intentional failure to adhere to one or more APS Designated Procedures.</div>
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                  </tr>
                  <tr>
                    <td colspan="4" style="width: 100%; vertical-align: middle;">
                      <div style="font-size: 12pt;">&#160;</div>
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                  <tr>
                    <td colspan="4" style="width: 100%; vertical-align: bottom;">
                      <div style="text-align: right;">The title and any headings in this endorsement/rider are solely for convenience and form no part of the terms</div>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="4" style="width: 100%; vertical-align: bottom;">
                      <div style="text-align: right;">and conditions of coverage.</div>
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                  </tr>
                  <tr>
                    <td colspan="4" style="width: 100%; vertical-align: middle;">
                      <div style="font-size: 12pt;">&#160;</div>
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                  </tr>
                  <tr>
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                      <div style="text-align: right;">All other terms, conditions and limitations of this Bond shall remain unchanged.</div>
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              </table>
              <div style="font-size: 12pt;">&#160;<img src="image00004.jpg">
                <div>
                  <div><br>
                  </div>
                  <div style="margin-top: 12pt; margin-bottom: 12pt; font-size: 10pt;">Q08-2343 (12/2008)</div>
                  <div style="margin-top: 12pt; margin-bottom: 12pt; font-size: 10pt;">Page 2</div>
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                          <td style="width: 1.98%; vertical-align: middle;">&#160;</td>
                          <td style="width: 3.05%; vertical-align: middle;">&#160;</td>
                          <td style="width: 2.69%; vertical-align: middle;">&#160;</td>
                          <td style="width: 30.4%; vertical-align: middle;">&#160;</td>
                          <td style="width: 52.52%; vertical-align: middle;">&#160;</td>
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                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 1.98%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 3.05%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 2.69%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 30.4%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 52.52%; vertical-align: bottom;">
                            <div style="text-align: right; font-weight: bold;">ENDORSEMENT/RIDER</div>
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                        </tr>
                        <tr>
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                            <div style="font-size: 12pt;">&#160;</div>
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                        <tr>
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                            <div>Effective date of</div>
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                          <td style="width: 2.69%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 30.4%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 52.52%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td colspan="5" style="width: 47.48%; vertical-align: bottom;">
                            <div>this endorsement/rider: November 1, 2019</div>
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                          <td style="width: 52.52%; vertical-align: bottom;">
                            <div style="text-align: right;">FEDERAL INSURANCE COMPANY</div>
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                          <td style="width: 9.35%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 1.98%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 3.05%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 2.69%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 30.4%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 52.52%; vertical-align: bottom;">
                            <div style="text-align: right;">Endorsement/Rider No. 6</div>
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                          <td style="width: 9.35%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                            <div style="font-size: 12pt;">&#160;</div>
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                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 2.69%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 30.4%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 52.52%; vertical-align: bottom;">
                            <div>To be attached to and</div>
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                        <tr>
                          <td style="width: 9.35%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 1.98%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 3.05%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 2.69%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 30.4%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                            <div style="text-align: right;">form a part of Bond No. 81391896</div>
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                            <div style="font-size: 12pt;">&#160;</div>
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                          <td colspan="6" style="width: 100%; vertical-align: middle;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td colspan="6" style="width: 100%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                            <div style="text-align: right;">Issued to: MASSACHUSETTS FINANCIAL SERVICES COMPANY DBA MFS INVESTMENT MANAGEMENT</div>
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                        <tr>
                          <td colspan="6" style="width: 100%; vertical-align: middle;">
                            <div style="font-size: 12pt;">&#160;</div>
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                            <div style="text-align: center;">COMPUTER SYSTEMS AND VOICE INSTRUCTIONS ENDORSEMENT</div>
                          </td>
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                        <tr>
                          <td colspan="6" style="width: 100%; vertical-align: bottom;">
                            <div style="text-align: center;">(WITH INTERNET RIDER)</div>
                          </td>
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                        <tr>
                          <td colspan="6" style="width: 100%; vertical-align: bottom;">
                            <div style="text-align: right;">In consideration of the premium charged, it is agreed that:</div>
                          </td>
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                        <tr>
                          <td colspan="6" style="width: 100%; vertical-align: bottom;">
                            <div style="text-align: right;">1. This bond is amended by adding the following additional Insuring Clause: Computer Systems And Voice</div>
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                        <tr>
                          <td colspan="5" style="width: 47.48%; vertical-align: bottom;">
                            <div style="text-indent: 18pt;">Instructions Insuring Clause</div>
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                          <td style="width: 52.52%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td colspan="5" style="width: 47.48%; vertical-align: bottom;">
                            <div style="text-indent: 18pt;">(A) Loss resulting directly from a fraudulent:</div>
                          </td>
                          <td style="width: 52.52%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                        <tr>
                          <td style="width: 9.35%; vertical-align: bottom;">
                            <div style="text-align: right;">(1</div>
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                          <td style="width: 1.98%; vertical-align: bottom;">
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                            <div style="font-size: 12pt;">&#160;</div>
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                        <tr>
                          <td style="width: 9.35%; vertical-align: bottom;">
                            <div style="text-align: right;">(2</div>
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                          <td style="width: 1.98%; vertical-align: bottom;">
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                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 1.98%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td colspan="3" style="width: 36.14%; vertical-align: bottom;">
                            <div>fraudulent entry or change causes:</div>
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                          <td style="width: 52.52%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                        <tr>
                          <td style="width: 9.35%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 1.98%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 3.05%; vertical-align: bottom;">
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                          </td>
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                            <div><font style="font-weight: bold;">Property </font>to be transferred, paid or delivered;</div>
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                          <td style="width: 9.35%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 1.98%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 3.05%; vertical-align: bottom;">
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                            <div>an account of the ASSURED, or of its customer, to be added, deleted, debited or credited; or</div>
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                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 1.98%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 3.05%; vertical-align: bottom;">
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                            <div>an authorized account or a fictitious account to be debited or credited.</div>
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                          <td style="width: 9.35%; vertical-align: bottom;">
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                          <td style="width: 1.98%; vertical-align: bottom;">
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                          <td colspan="4" style="width: 88.67%; vertical-align: bottom;">
                            <div>voice instructions or advices having been transmitted to the ASSURED or its agent(s) by telephone;</div>
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                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 1.98%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                            <div>and provided further, the fraudulent entry or change is made or caused by an individual acting with</div>
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                          <td style="width: 9.35%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 1.98%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                            <div>the manifest intent to:</div>
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                          <td style="width: 52.52%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 9.35%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 1.98%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 3.05%; vertical-align: bottom;">
                            <div>(a)</div>
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                            <div>cause the ASSURED or its agent(s) to sustain a loss; or</div>
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                          <td style="width: 9.35%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 1.98%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 3.05%; vertical-align: bottom;">
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                          <td style="width: 9.35%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 1.98%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 3.05%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 52.52%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                        <tr>
                          <td style="width: 9.35%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 1.98%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                            <div>and further provided such voice instructions or advices:</div>
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                          <td style="width: 9.35%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 1.98%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 3.05%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 2.69%; vertical-align: bottom;">
                            <div>(i)</div>
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                            <div style="text-align: right;">were made by a person who purported to represent an individual authorized to make such</div>
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                          <td style="width: 9.35%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 1.98%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 3.05%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 2.69%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 30.4%; vertical-align: bottom;">
                            <div>voice instructions or advices; or</div>
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                          <td style="width: 52.52%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 9.35%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 1.98%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 3.05%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 2.69%; vertical-align: bottom;">
                            <div>(ii)</div>
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                            <div>were electronically recorded by the ASSURED or its agent(s).</div>
                          </td>
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                        <tr>
                          <td style="width: 9.35%; vertical-align: bottom;">
                            <div style="text-align: right;">(4</div>
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                          <td style="width: 1.98%; vertical-align: bottom;">
                            <div>)</div>
                          </td>
                          <td colspan="4" style="width: 88.67%; vertical-align: bottom;">
                            <div>It shall be a condition to recovery under this Computer Systems And Voice Instructions Insuring</div>
                          </td>
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                        <tr>
                          <td style="width: 9.35%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 1.98%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td colspan="4" style="width: 88.67%; vertical-align: bottom;">
                            <div>Clause that the ASSURED or its agent(s) shall to the best of their ability electronically record all voice</div>
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                        <tr>
                          <td style="width: 9.35%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 1.98%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td colspan="4" style="width: 88.67%; vertical-align: bottom;">
                            <div>instructions or advices received over telephone. The ASSURED or its agent(s) warrant that they shall</div>
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                        <tr>
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                            <div style="text-align: center;">make their best efforts to maintain the electronic recording system on a continuous basis.</div>
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                          <td style="width: 9.35%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 1.98%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td colspan="4" style="width: 88.67%; vertical-align: bottom;">
                            <div>Nothing, however, in this endorsement shall bar the ASSURED from recovery where no recording is</div>
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                          <td style="width: 9.35%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 1.98%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                            <div>available because of mechanical failure of the device used in making such recording, or because of</div>
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                          <td style="width: 9.35%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 1.98%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                            <div>failure of the media used to record a conversation from any cause, or error or omission of any</div>
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                          <td style="width: 9.35%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 1.98%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                            <div><font style="font-weight: bold;">Employee(s) </font>or agent(s) of the ASSURED.</div>
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                    <div>&#160;</div>
                    <div style="margin-top: 12pt; margin-bottom: 12pt; font-size: 10pt;">MS-274841 (03/2019)</div>
                    <div style="margin-top: 12pt; margin-bottom: 12pt; font-size: 10pt;">Page 1 of 3</div>
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                            <td style="width: 2.03%; vertical-align: middle;">&#160;</td>
                            <td style="width: 3.16%; vertical-align: middle;">&#160;</td>
                            <td style="width: 3.08%; vertical-align: middle;">&#160;</td>
                            <td style="width: 89.69%; vertical-align: middle;">&#160;</td>
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                              <div style="font-size: 12pt;">&#160;</div>
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                              <div>(B)</div>
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                              <div style="font-size: 12pt;">&#160;</div>
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                              <div style="font-size: 12pt;">&#160;</div>
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                              <div style="font-size: 12pt;">&#160;</div>
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                              <div style="font-size: 12pt;">&#160;</div>
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                            <td style="width: 3.16%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
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                              <div style="text-align: right;">instructions directed to the ASSURED or its <font style="font-weight: bold;">Employee(s) </font>over the Internet authorizing or acknowledging</div>
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                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
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                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
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                            <td style="width: 3.16%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
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                              <div style="text-align: right;">the transfer, payment, delivery or receipt of funds or property which instructions were transmitted over the</div>
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                              <div style="font-size: 12pt;">&#160;</div>
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                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
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                            <td style="width: 3.16%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
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                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
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                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
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                            <td style="width: 3.16%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td colspan="2" style="width: 92.77%; vertical-align: bottom;">
                              <div style="text-align: right;">customer, an office of the ASSURED or another financial institution, but which instructions were either</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 3.16%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td colspan="2" style="width: 92.77%; vertical-align: bottom;">
                              <div style="text-align: right;">transmitted over the Internet, without the knowledge or consent of said person, or were fraudulently</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 3.16%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td colspan="2" style="width: 92.77%; vertical-align: bottom;">
                              <div>modified during transmission over the Internet to the ASSURED or its <font style="font-weight: bold;">Employee(s)</font>.</div>
                            </td>
                          </tr>
                          <tr>
                            <td colspan="5" style="width: 100%; vertical-align: middle;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="text-align: right;">2</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div>.</div>
                            </td>
                            <td colspan="3" style="width: 95.93%; vertical-align: bottom;">
                              <div>For purposes of this endorsement, the following terms shall apply:</div>
                            </td>
                          </tr>
                          <tr>
                            <td colspan="5" style="width: 100%; vertical-align: middle;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td colspan="3" style="width: 95.93%; vertical-align: bottom;">
                              <div>&#8220;Computer System&#8221; means:</div>
                            </td>
                          </tr>
                          <tr>
                            <td colspan="5" style="width: 100%; vertical-align: middle;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 3.16%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 3.08%; vertical-align: bottom;">
                              <div>(a)</div>
                            </td>
                            <td style="width: 89.69%; vertical-align: bottom;">
                              <div style="text-align: center;">computers with related peripheral components, including storage components, wherever located;</div>
                            </td>
                          </tr>
                          <tr>
                            <td colspan="5" style="width: 100%; vertical-align: middle;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 3.16%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 3.08%; vertical-align: bottom;">
                              <div>(b)</div>
                            </td>
                            <td style="width: 89.69%; vertical-align: bottom;">
                              <div style="text-align: right;">systems and applications software;</div>
                            </td>
                          </tr>
                          <tr>
                            <td colspan="5" style="width: 100%; vertical-align: middle;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 3.16%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 3.08%; vertical-align: bottom;">
                              <div>(c)</div>
                            </td>
                            <td style="width: 89.69%; vertical-align: bottom;">
                              <div>terminal devices;</div>
                            </td>
                          </tr>
                          <tr>
                            <td colspan="5" style="width: 100%; vertical-align: middle;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 3.16%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 3.08%; vertical-align: bottom;">
                              <div>(d)</div>
                            </td>
                            <td style="width: 89.69%; vertical-align: bottom;">
                              <div style="text-align: right;">related communication networks or customer communication systems; or</div>
                            </td>
                          </tr>
                          <tr>
                            <td colspan="5" style="width: 100%; vertical-align: middle;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 3.16%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 3.08%; vertical-align: bottom;">
                              <div>(e)</div>
                            </td>
                            <td style="width: 89.69%; vertical-align: bottom;">
                              <div style="text-align: right;">related &#8220;Electronic Funds Transfer Systems&#8221; (as defined below);</div>
                            </td>
                          </tr>
                          <tr>
                            <td colspan="5" style="width: 100%; vertical-align: middle;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td colspan="3" style="width: 95.93%; vertical-align: bottom;">
                              <div>by which data is electronically collected, transmitted, processed, stored and retrieved; provided that the</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td colspan="3" style="width: 95.93%; vertical-align: bottom;">
                              <div>coverage afforded pursuant to the terms of this endorsement shall apply to all Computer Systems used by the</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td colspan="3" style="width: 95.93%; vertical-align: bottom;">
                              <div>ASSURED or its <font style="font-weight: bold;">Employee(s)</font>.</div>
                            </td>
                          </tr>
                          <tr>
                            <td colspan="5" style="width: 100%; vertical-align: middle;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td colspan="3" style="width: 95.93%; vertical-align: bottom;">
                              <div>&#8220;Electronic Funds Transfer System&#8221; means automated teller machines, point of sale terminals and other</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td colspan="3" style="width: 95.93%; vertical-align: bottom;">
                              <div>similar operating systems and includes any shared networks or similar facilities for such systems in which the</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td colspan="3" style="width: 95.93%; vertical-align: bottom;">
                              <div>ASSURED participates.</div>
                            </td>
                          </tr>
                          <tr>
                            <td colspan="5" style="width: 100%; vertical-align: middle;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="text-align: right;">3</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div>.</div>
                            </td>
                            <td colspan="3" style="width: 95.93%; vertical-align: bottom;">
                              <div>In addition to the exclusions in the attached bond, the following exclusions are applicable to this Computer</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td colspan="3" style="width: 95.93%; vertical-align: bottom;">
                              <div>Systems And Voice Instructions Insuring Clause:</div>
                            </td>
                          </tr>
                          <tr>
                            <td colspan="5" style="width: 100%; vertical-align: middle;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 3.16%; vertical-align: bottom;">
                              <div>(a)</div>
                            </td>
                            <td colspan="2" style="width: 92.77%; vertical-align: bottom;">
                              <div>loss resulting directly or indirectly from the theft of confidential information, material or data;</div>
                            </td>
                          </tr>
                          <tr>
                            <td colspan="5" style="width: 100%; vertical-align: middle;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 3.16%; vertical-align: bottom;">
                              <div>(b)</div>
                            </td>
                            <td colspan="2" style="width: 92.77%; vertical-align: bottom;">
                              <div style="text-align: right;">loss resulting directly or indirectly from entries or changes made by an individual authorized to have</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 3.16%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td colspan="2" style="width: 92.77%; vertical-align: bottom;">
                              <div style="text-align: right;">access to a Computer System who acts in good faith on instructions, unless such instructions are given to</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 3.16%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td colspan="2" style="width: 92.77%; vertical-align: bottom;">
                              <div style="text-align: right;">that individual by a software contractor (or by a partner, officer or employee thereof) authorized by the</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 3.16%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td colspan="2" style="width: 92.77%; vertical-align: bottom;">
                              <div style="text-align: right;">ASSURED to design, develop prepare, supply service, write or implement programs for the ASSURED&#8217;S</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 3.16%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td colspan="2" style="width: 92.77%; vertical-align: bottom;">
                              <div>Computer System. This exclusion shall only apply to that customer&#8217;s account.</div>
                            </td>
                          </tr>
                          <tr>
                            <td colspan="5" style="width: 100%; vertical-align: middle;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="text-align: right;">4</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div>.</div>
                            </td>
                            <td colspan="3" style="width: 95.93%; vertical-align: bottom;">
                              <div>The coverage afforded by this endorsement applies only to loss discovered by the ASSURED during the</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td colspan="3" style="width: 95.93%; vertical-align: bottom;">
                              <div>period this endorsement is in force.</div>
                            </td>
                          </tr>
                          <tr>
                            <td colspan="5" style="width: 100%; vertical-align: middle;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="text-align: right;">5</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div>.</div>
                            </td>
                            <td colspan="3" style="width: 95.93%; vertical-align: bottom;">
                              <div>All loss or series of losses involving the fraudulent activity in which one individual is implicated, whether or not</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td colspan="3" style="width: 95.93%; vertical-align: bottom;">
                              <div>that individual is specifically identified, shall be treated as one loss. A series of losses involving unidentified</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td colspan="3" style="width: 95.93%; vertical-align: bottom;">
                              <div>individuals but arising from the same method of operation may be deemed by the COMPANY to involve the</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td colspan="3" style="width: 95.93%; vertical-align: bottom;">
                              <div>same individual and in that even shall be treated as one loss.</div>
                            </td>
                          </tr>
                          <tr>
                            <td colspan="5" style="width: 100%; vertical-align: middle;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="text-align: right;">6</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div>.</div>
                            </td>
                            <td colspan="3" style="width: 95.93%; vertical-align: bottom;">
                              <div>The COMPANY&#8217;S maximum Limit of Liability for this Computer Systems And Voice Instructions Insuring</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td colspan="3" style="width: 95.93%; vertical-align: bottom;">
                              <div>Clause is $25,000,000, and is subject to a deductible of $100,000, which applies to each and every loss.</div>
                            </td>
                          </tr>
                          <tr>
                            <td colspan="5" style="width: 100%; vertical-align: middle;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="text-align: right;">7</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div>.</div>
                            </td>
                            <td colspan="3" style="width: 95.93%; vertical-align: bottom;">
                              <div>If any loss is covered under this Insuring Clause and any other Insuring Clause or Coverage, the maximum</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td colspan="3" style="width: 95.93%; vertical-align: bottom;">
                              <div>amount payable for such loss shall not exceed the largest amount available under any one Insuring Clause or</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td colspan="3" style="width: 95.93%; vertical-align: bottom;">
                              <div>Coverage.</div>
                            </td>
                          </tr>
                          <tr>
                            <td colspan="5" style="width: 100%; vertical-align: middle;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="text-align: right;">8</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div>.</div>
                            </td>
                            <td colspan="3" style="width: 95.93%; vertical-align: bottom;">
                              <div>Coverage under this endorsement shall terminate upon termination or cancellation of the bond to which this</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td colspan="3" style="width: 95.93%; vertical-align: bottom;">
                              <div>endorsement is attached. Coverage under this endorsement may also be terminated or cancelled without</div>
                            </td>
                          </tr>
                          <tr>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td style="width: 2.03%; vertical-align: bottom;">
                              <div style="font-size: 12pt;">&#160;</div>
                            </td>
                            <td colspan="3" style="width: 95.93%; vertical-align: bottom;">
                              <div>cancelling the bond as an entirety:</div>
                            </td>
                          </tr>

                      </table>
                      <div>&#160;</div>
                      <div style="margin-top: 12pt; margin-bottom: 12pt; font-size: 10pt;">MS-274841 (03/2019)</div>
                      <div style="margin-top: 12pt; margin-bottom: 12pt; font-size: 10pt;">Page 2 of 3</div>
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                                <div style="text-indent: 18pt;">(a)</div>
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                                <div style="text-align: right;">ninety (90) days after receipt by the ASSURED of written notice from the COMPANY of its desire to</div>
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                                <div style="font-size: 12pt;">&#160;</div>
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                                <div style="text-align: right;">terminate or cancel coverage under this endorsement; or</div>
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                                <div style="text-indent: 18pt;">(b)</div>
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                                <div style="text-align: right;">immediately upon receipt by the COMPANY of a written request from the ASSURED to terminate or</div>
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                                <div>cancel coverage under this endorsement.</div>
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                                <div style="text-indent: 18pt;">The COMPANY shall refund to the ASSURED the unearned premium for this coverage under this</div>
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                                <div style="text-indent: 18pt;">endorsement. The refund shall be computed at short rates if this endorsement is terminated or cancelled or</div>
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                                <div style="text-indent: 18pt;">reduced by notice from, or at the instance of, the ASSURED.</div>
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                                <div style="text-align: right;">9. Section 7., Notice to Company-Proof-Legal Proceedings Against Company, of the Conditions and Limitations,</div>
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                                <div style="text-indent: 18pt;">of this bond is amended by adding the following sentence:</div>
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                                <div style="font-size: 12pt;">&#160;</div>
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                                <div style="text-indent: 18pt;">Proof of loss resulting from voice instructions or advices covered under this bond shall include electronic</div>
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                                <div style="text-indent: 18pt;">recordings of such voice instructions or advices.</div>
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                                <div style="text-align: right;">10. Notwithstanding the foregoing, however, coverage afforded by this endorsement is not designed to provide</div>
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                                <div style="text-indent: 18pt;">protection against loss covered under a separate Electronic and Computer Crime Policy by whatever title</div>
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                                <div style="text-indent: 18pt;">assigned or written by any insurer. Any loss which is covered under such separate Policy is excluded from</div>
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                                <div style="text-indent: 18pt;">coverage under this bond; and the ASSURED agrees to make claim for such loss under its separate policy.</div>
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                                <div style="text-align: right;">The title and any headings in this endorsement/rider are solely for convenience and form no part of the terms and</div>
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                                <div>conditions of coverage.</div>
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                                <div>All other terms, conditions and limitations of this Policy shall remain unchanged.</div>
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                        <div>&#160;<img src="image00004.jpg">
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                            <div style="margin-top: 12pt; margin-bottom: 12pt; font-size: 10pt;">MS-274841 (03/2019)</div>
                            <div style="margin-top: 12pt; margin-bottom: 12pt; font-size: 10pt;">Page 3 of 3</div>
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                                      <div style="text-align: right; font-weight: bold;">ENDORSEMENT/RIDER</div>
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                                      <div>Effective date of</div>
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                                      <div>this endorsement/rider: November 1, 2019</div>
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                                      <div style="text-align: right;">FEDERAL INSURANCE COMPANY</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div>Endorsement/Rider No.</div>
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                                      <div style="text-align: right;">7</div>
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                                      <div>To be attached to and</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div>form a part of Policy No.</div>
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                                      <div style="text-align: right;">81391896</div>
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                                      <div style="text-align: right;">Issued to: MASSACHUSETTS FINANCIAL SERVICES COMPANY DBA MFS INVESTMENT</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div style="text-indent: 13.55pt;">MANAGEMENT</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div style="text-align: center;">DESTRUCTION OF DATA OR PROGRAMS BY HACKER ENDORSEMENT</div>
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                                      <div style="text-align: right;">In consideration of the premium charged, it is agreed that this Bond is amended as follows:</div>
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                                      <div style="text-align: right;">(1</div>
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                                      <div>)</div>
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                                    <td colspan="3" style="width: 67.64%; vertical-align: bottom;">
                                      <div>The Insuring Clauses section is amended by adding the following:</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
                                    </td>
                                    <td colspan="3" style="width: 67.64%; vertical-align: bottom;">
                                      <div>Insuring Clause: Destruction Of Data Or Programs By Hacker Insuring Clause</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
                                    </td>
                                    <td colspan="4" style="width: 95.73%; vertical-align: bottom;">
                                      <div>Loss resulting directly from the malicious destruction of or damage to, Electronic Data or Computer Programs</div>
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                                    <td style="width: 2.22%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
                                    </td>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                    <td colspan="4" style="width: 95.73%; vertical-align: bottom;">
                                      <div>owned by the ASSURED or for which the ASSURED is legally liable while stored within a <font style="font-weight: bold;">Computer System</font></div>
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                                    <td style="width: 2.22%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                    <td colspan="4" style="width: 95.73%; vertical-align: bottom;">
                                      <div>covered pursuant to the terms and conditions of the Computer Systems and Voice Instructions Endorsement</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
                                    </td>
                                    <td colspan="2" style="width: 43.7%; vertical-align: bottom;">
                                      <div>6, attached to this Bond.</div>
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                                    <td style="width: 23.94%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
                                    </td>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
                                    </td>
                                    <td colspan="4" style="width: 95.73%; vertical-align: bottom;">
                                      <div>The liability of the Company shall be limited to the cost of duplication of such Electronic Data or Computer</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
                                    </td>
                                    <td style="width: 2.06%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
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                                    <td colspan="4" style="width: 95.73%; vertical-align: bottom;">
                                      <div>Programs from other Electronic Data or Computer Programs which shall have been furnished by the</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                    <td style="width: 2.06%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
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                                    <td colspan="2" style="width: 43.7%; vertical-align: bottom;">
                                      <div>ASSURED.</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                    <td style="width: 28.09%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
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                                    <td style="width: 2.22%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
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                                    <td style="width: 2.06%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
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                                    <td colspan="4" style="width: 95.73%; vertical-align: bottom;">
                                      <div>In the event, however, that destroyed or damaged Computer Programs cannot be duplicated from other</div>
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                                    <td style="width: 2.22%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
                                    </td>
                                    <td style="width: 2.06%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
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                                    <td colspan="4" style="width: 95.73%; vertical-align: bottom;">
                                      <div>Computer Programs, the Company will pay the cost incurred for computer time, computer programmers,</div>
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                                    <td style="width: 2.22%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
                                    </td>
                                    <td style="width: 2.06%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
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                                    <td colspan="4" style="width: 95.73%; vertical-align: bottom;">
                                      <div>consultants or other technical specialists as is reasonably necessary to restore Computer Programs to</div>
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                                    <td style="width: 2.22%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
                                    </td>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                    <td colspan="3" style="width: 67.64%; vertical-align: bottom;">
                                      <div>substantially the previous level of operational capability.</div>
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                                    <td style="width: 28.09%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
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                                    <td style="width: 2.22%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
                                    </td>
                                    <td style="width: 2.06%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
                                    </td>
                                    <td colspan="4" style="width: 95.73%; vertical-align: bottom;">
                                      <div>The Company&#8217;s maximum Limit of Liability for this Destruction Of Data Or Programs By Hacker Insuring</div>
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                                  <tr>
                                    <td style="width: 2.22%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
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                                    <td style="width: 2.06%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
                                    </td>
                                    <td colspan="4" style="width: 95.73%; vertical-align: bottom;">
                                      <div>Clause is $25,000,000, and is subject to a deductible of $100,000, which applies to each and every loss.</div>
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                                    <td style="width: 2.22%; vertical-align: bottom;">
                                      <div style="text-align: right;">(2</div>
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                                      <div>)</div>
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                                    <td colspan="4" style="width: 95.73%; vertical-align: bottom;">
                                      <div>For purposes of this endorsement, the definition of <font style="font-weight: bold;">Computer System</font>, as set forth in Subsection 1,</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div>Definitions, of the Conditions and Limitations Section, is deleted and replaced with the following:</div>
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                                    <td style="width: 2.22%; vertical-align: bottom;">
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div><font style="font-weight: bold;">Computer System </font>means:</div>
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                                    <td style="width: 23.94%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
                                    </td>
                                    <td style="width: 28.09%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
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                                  <tr>
                                    <td style="width: 2.22%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
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                                    <td style="width: 2.06%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div>computers with related peripheral components, including storage components, wherever located,</div>
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                                    <td style="width: 2.06%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                    <td style="width: 2.22%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
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                                    <td style="width: 2.06%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                    <td style="width: 2.22%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div>For purposes of this endorsement, the following terms shall apply:</div>
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                                    <td style="width: 28.09%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
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                                    <td style="width: 2.22%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div>Electronic Data means facts or information converted to a form usable in a <font style="font-weight: bold;">Computer System </font>by Computer</div>
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                                  <tr>
                                    <td style="width: 2.22%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
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                                    <td style="width: 2.06%; vertical-align: bottom;">
                                      <div style="font-size: 12pt;">&#160;</div>
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                                      <div>Programs and which is stored on magnetic tapes or disks, or optical storage disks or other bulk media.</div>
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                              <div>&#160;</div>
                              <div style="margin-top: 12pt; margin-bottom: 12pt; font-size: 10pt;">Q08-2336 (01/2019)</div>
                              <div style="margin-top: 12pt; margin-bottom: 12pt; font-size: 10pt;">Page 1 of 2</div>
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                                        <div style="text-indent: 18pt;">a computer or devices connected to it which enable the computer or devices to receive, process, store or</div>
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                                    <tr>
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                                        <div style="font-size: 12pt;">&#160;</div>
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                                    <tr>
                                      <td style="width: 100%; vertical-align: bottom;">
                                        <div>conditions of coverage.</div>
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                                      <td style="width: 100%; vertical-align: middle;">
                                        <div style="font-size: 12pt;">&#160;</div>
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                                      <td style="width: 100%; vertical-align: bottom;">
                                        <div>All other terms, conditions and limitations of this Policy shall remain unchanged.</div>
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                                <div>&#160;<img src="image00004.jpg"></div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div>this endorsement/rider: November 1, 2019</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.02%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.07%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 41.2%; vertical-align: bottom;">
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.02%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.07%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 41.2%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="text-align: right;">81391896</div>
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              <td style="width: 2.22%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.02%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.07%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 27.81%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>In consideration of the premium charged, it is agreed that:</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div>The Insuring Clauses section is amended by adding the following Insuring Clause:</div>
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              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.02%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>Destruction Of Data Or Programs By Virus Insuring Clause</div>
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              <td style="width: 27.81%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.02%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>Loss resulting directly from the malicious destruction of or damage to, Electronic Data or Computer Programs</div>
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              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.02%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>owned by the ASSURED or for which the ASSURED is legally liable while stored within a <font style="font-weight: bold;">Computer System</font></div>
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                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.02%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>covered pursuant to the terms and conditions of the Computer Systems and Voice Instructions Endorsement</div>
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              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.02%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.07%; vertical-align: bottom;">
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              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.02%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>instruction which was written or altered to incorporate a hidden instruction designed to destroy or damage</div>
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              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.02%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="4" style="width: 95.76%; vertical-align: bottom;">
                <div>Electronic Data or Computer Programs in the <font style="font-weight: bold;">Computer System </font>in which the computer program or</div>
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            <tr>
              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.02%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>instruction so written or so altered is used.</div>
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              <td style="width: 23.68%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 27.81%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.02%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>The liability of the Company shall be limited to the cost of duplication of such Electronic Data or Computer</div>
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              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.02%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.02%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>ASSURED.</div>
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              <td style="width: 23.68%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 27.81%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.02%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>In the event, however, that destroyed or damaged Computer Programs cannot be duplicated from other</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div>Computer Programs, the Company will pay the cost incurred for computer time, computer programmers,</div>
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                <div>consultants or other technical specialists as is reasonably necessary to restore Computer Programs to</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div>substantially the previous level of operational capability.</div>
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              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.02%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>The Company&#8217;s maximum Limit of Liability for this Destruction Of Data Or Programs By Virus Insuring Clause</div>
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              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div>is $25,000,000, and is subject to a deductible of $100,000, which applies to each and every loss.</div>
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              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="text-align: right;">(2</div>
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                <div>For purposes of this endorsement, the definition of <font style="font-weight: bold;">Computer System</font>, as set forth in Subsection 1,</div>
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            <tr>
              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.02%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>Definitions, of the Conditions and Limitations Section, is deleted and replaced with the following:</div>
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              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.02%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="2" style="width: 44.27%; vertical-align: bottom;">
                <div><font style="font-weight: bold;">Computer System </font>means:</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 27.81%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.02%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.07%; vertical-align: bottom;">
                <div>(a)</div>
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                <div style="text-indent: 4.55pt;">computers with related peripheral components, including storage components, wherever located,</div>
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              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.02%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.02%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.02%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>(d)</div>
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                <div style="text-indent: 4.55pt;">related communication networks or customer communication systems, and</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div>by which data are electronically collected, transmitted, processed, stored, and retrieved.</div>
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                <div>For purposes of this endorsement, the following terms shall apply:</div>
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        <div style="margin-top: 12pt; margin-bottom: 12pt; font-size: 10pt;">Q08-2337 (01/2019)</div>
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                  <div style="text-indent: 18pt;">Electronic Data means facts or information converted to a form usable in a <font style="font-weight: bold;">Computer System </font>by Computer</div>
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                  <div style="text-indent: 18pt;">Programs and which is stored on magnetic tapes or disks, or optical storage disks or other bulk media.</div>
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                  <div style="text-indent: 18pt;">Computer Program means a set of related electronic instructions which direct the operations and functions of</div>
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                  <div style="text-indent: 18pt;">a computer or devices connected to it which enable the computer or devices to receive, process, store or</div>
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                  <div>The title and any headings in this endorsement/rider are solely for convenience and form no part of the terms and</div>
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                <td style="width: 100%; vertical-align: bottom;">
                  <div>conditions of coverage.</div>
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                  <div style="font-size: 12pt;">&#160;</div>
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                  <div>All other terms, conditions and limitations of this Policy shall remain unchanged.</div>
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          <div>&#160;</div>
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      Q08-2337 (01/2019)
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              <td style="width: 2.06%; vertical-align: middle;">&#160;</td>
              <td style="width: 3.1%; vertical-align: middle;">&#160;</td>
              <td style="width: 3.1%; vertical-align: middle;">&#160;</td>
              <td style="width: 34.36%; vertical-align: middle;">&#160;</td>
              <td style="width: 27.07%; vertical-align: middle;">&#160;</td>
              <td style="width: 28.1%; vertical-align: middle;">&#160;</td>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 34.36%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 27.07%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="text-align: right; font-weight: bold;">ENDORSEMENT/RIDER</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div>Effective date of</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 28.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>this endorsement/rider: November 1, 2019</div>
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                <div style="text-align: right;">FEDERAL INSURANCE COMPANY</div>
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                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 34.36%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>Endorsement/Rider No.</div>
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                <div style="text-align: right;">9</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 34.36%; vertical-align: bottom;">
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                <div>To be attached to and</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 34.36%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>form a part of Bond No.</div>
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                <div style="text-align: right;">81391896</div>
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            <tr>
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                <div style="text-align: right;">Issued to: MASSACHUSETTS FINANCIAL SERVICES COMPANY DBA MFS INVESTMENT</div>
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            <tr>
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                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.06%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 3.1%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.1%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="text-align: right;">MASSACHUSETTS FINANCIAL SERVICES COMPANY DBA MFS INVESTMENT</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="text-align: center;">DISHONEST OR FRAUDULENT ACT ENDORSEMENT</div>
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              <td colspan="6" style="width: 71.9%; vertical-align: bottom;">
                <div>In consideration of the premium charged, it is agreed that:</div>
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              <td style="width: 28.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="text-align: right;">(1</div>
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                <div>Dishonest or fraudulent acts which meet any of the following criteria will not require notification by the ASSURED</div>
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            <tr>
              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="3" style="width: 40.55%; vertical-align: bottom;">
                <div>to the Company:</div>
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              <td style="width: 27.07%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 28.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>(i)</div>
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                <div>Acts involving values of less than $10,000 (Ten thousand dollars), or</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>(ii)</div>
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                <div>convictions involving any controlled substances as defined by federal and local law which:</div>
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              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>(a)</div>
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              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 3.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="text-indent: 4.45pt;">did not occur while employed by the ASSURED.</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="text-align: right;">(2</div>
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                <div>)</div>
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                <div>Any request for waiver for an <font style="font-weight: bold;">Employee </font>must include a description of the position to be held and a description of</div>
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              <td style="width: 2.22%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 2.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="4" style="width: 67.63%; vertical-align: bottom;">
                <div>the facts and circumstances surrounding the legal infraction.</div>
              </td>
              <td style="width: 28.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
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            <tr>
              <td colspan="7" style="width: 100%; vertical-align: bottom;">
                <div style="text-align: right;">The title and any headings in this endorsement/rider are solely for convenience and form no part of the terms and</div>
              </td>
            </tr>
            <tr>
              <td colspan="5" style="width: 44.82%; vertical-align: bottom;">
                <div>conditions of coverage.</div>
              </td>
              <td style="width: 27.07%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 28.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
              <td colspan="6" style="width: 71.9%; vertical-align: bottom;">
                <div>All other terms, conditions and limitations of this Policy shall remain unchanged.</div>
              </td>
              <td style="width: 28.1%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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      </div>
      <div><br>
      </div>
      <div>
        <div><img src="image00004.jpg"></div>
      </div>
      <div>Q08-2337 (01/2019)
        <div style="font-size: 10pt;">Page 2 of 2</div>
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      <br>
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            <td style="width: 1.13%; vertical-align: middle;">&#160;</td>
            <td style="width: 4.58%; vertical-align: middle;">&#160;</td>
            <td style="width: 24%; vertical-align: middle;">&#160;</td>
            <td style="width: 22.96%; vertical-align: middle;">&#160;</td>
            <td style="width: 30.18%; vertical-align: middle;">&#160;</td>
            <td style="width: 12.76%; vertical-align: middle;">&#160;</td>
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            <td style="width: 4.39%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
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              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.58%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 24%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 22.96%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 30.18%; vertical-align: bottom;">
              <div style="text-align: right; font-weight: bold;">ENDORSEMENT/RIDER</div>
            </td>
            <td style="width: 12.76%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
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            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
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            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="3" style="width: 10.1%; vertical-align: bottom;">
              <div>Effective date of</div>
            </td>
            <td style="width: 24%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 22.96%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 30.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 12.76%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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          <tr>
            <td colspan="4" style="width: 34.1%; vertical-align: bottom;">
              <div>this endorsement/rider: November 1, 2019</div>
            </td>
            <td colspan="2" style="width: 53.14%; vertical-align: bottom;">
              <div style="text-align: right;">FEDERAL INSURANCE COMPANY</div>
            </td>
            <td style="width: 12.76%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 4.39%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 1.13%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.58%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 24%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 22.96%; vertical-align: bottom;">
              <div>Endorsement/Rider No.</div>
            </td>
            <td style="width: 30.18%; vertical-align: bottom;">
              <div style="text-align: right;">10</div>
            </td>
            <td style="width: 12.76%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
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            <td style="width: 4.39%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 1.13%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.58%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 24%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 22.96%; vertical-align: bottom;">
              <div>To be attached to and</div>
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            <td style="width: 30.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 12.76%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
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            <td style="width: 4.39%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 1.13%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.58%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 24%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 22.96%; vertical-align: bottom;">
              <div>form a part of Policy No.</div>
            </td>
            <td style="width: 30.18%; vertical-align: bottom;">
              <div style="text-align: right;">81391896</div>
            </td>
            <td style="width: 12.76%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="6" style="width: 87.24%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="text-align: right;">Issued to: MASSACHUSETTS FINANCIAL SERVICES COMPANY DBA MFS INVESTMENT</div>
            </td>
            <td style="width: 12.76%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 4.39%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 1.13%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.58%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="3" style="width: 77.15%; vertical-align: bottom;">
              <div style="text-align: right;">TELEFACSIMILE TRANSMISSIONS COVERAGE ENDORSEMENT</div>
            </td>
            <td style="width: 12.76%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="6" style="width: 87.24%; vertical-align: bottom;">
              <div style="text-align: right;">In consideration of the premium charged, it is agreed that this Bond is amended as follows:</div>
            </td>
            <td style="width: 12.76%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 4.39%; vertical-align: bottom;">
              <div style="text-align: right;">(1</div>
            </td>
            <td style="width: 1.13%; vertical-align: bottom;">
              <div>)</div>
            </td>
            <td colspan="4" style="width: 81.73%; vertical-align: bottom;">
              <div>The Insuring Clauses section is amended by adding the following Insuring Clause:</div>
            </td>
            <td style="width: 12.76%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 4.39%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 1.13%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="3" style="width: 51.54%; vertical-align: bottom;">
              <div>Telefacsimile Transmissions Insuring Clause</div>
            </td>
            <td style="width: 30.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 12.76%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 4.39%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 1.13%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="4" style="width: 81.73%; vertical-align: bottom;">
              <div>Loss resulting by reason of the ASSURED having transferred, paid or delivered any funds or</div>
            </td>
            <td style="width: 12.76%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 4.39%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 1.13%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="4" style="width: 81.73%; vertical-align: bottom;">
              <div><font style="font-weight: bold;">Property</font>, established any credit, debited any account, or given any value on the faith of</div>
            </td>
            <td style="width: 12.76%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 4.39%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 1.13%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="4" style="width: 81.73%; vertical-align: bottom;">
              <div>any fraudulent instructions sent by a customer or financial institution by Telefacsimile</div>
            </td>
            <td style="width: 12.76%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 4.39%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 1.13%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="4" style="width: 81.73%; vertical-align: bottom;">
              <div>Transmission directly to the ASSURED authorizing or acknowledging the transfer, payment, or</div>
            </td>
            <td style="width: 12.76%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 4.39%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 1.13%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="4" style="width: 81.73%; vertical-align: bottom;">
              <div>delivery of funds or property, establishment of credit, debiting of an account or the giving of value</div>
            </td>
            <td style="width: 12.76%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 4.39%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 1.13%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="3" style="width: 51.54%; vertical-align: bottom;">
              <div>by the ASSURED, which Telefacsimile instructions:</div>
            </td>
            <td style="width: 30.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 12.76%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 4.39%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 1.13%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.58%; vertical-align: bottom;">
              <div>(i)</div>
            </td>
            <td colspan="3" style="width: 77.15%; vertical-align: bottom;">
              <div>fraudulently purport to have been sent by such customer or financial institution</div>
            </td>
            <td style="width: 12.76%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 4.39%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 1.13%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.58%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="3" style="width: 77.15%; vertical-align: bottom;">
              <div>but which Telefacsimile Instructions were transmitted without the knowledge or</div>
            </td>
            <td style="width: 12.76%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 4.39%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 1.13%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.58%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="3" style="width: 77.15%; vertical-align: bottom;">
              <div>consent of such customer or financial institution by a person other than such</div>
            </td>
            <td style="width: 12.76%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 4.39%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 1.13%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 4.58%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="3" style="width: 77.15%; vertical-align: bottom;">
              <div>customer or financial institution and which bear a forged signature.</div>
            </td>
            <td style="width: 12.76%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 4.39%; vertical-align: bottom;">
              <div style="text-align: right;">(2</div>
            </td>
            <td style="width: 1.13%; vertical-align: bottom;">
              <div>)</div>
            </td>
            <td colspan="4" style="width: 81.73%; vertical-align: bottom;">
              <div>The coverage afforded by this endorsement applies only to loss discovered by the ASSURED</div>
            </td>
            <td style="width: 12.76%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 4.39%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 1.13%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="4" style="width: 81.73%; vertical-align: bottom;">
              <div>during the period this endorsement is in force. The first sentence of Subsection 6, Discovery, of</div>
            </td>
            <td style="width: 12.76%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 4.39%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 1.13%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="4" style="width: 81.73%; vertical-align: bottom;">
              <div>the Conditions and Limitations section of this Bond does not apply to this Telefacsimile</div>
            </td>
            <td style="width: 12.76%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 4.39%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 1.13%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 28.58%; vertical-align: bottom;">
              <div>Transmissions Insuring Clause.</div>
            </td>
            <td style="width: 22.96%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 30.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 12.76%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 4.39%; vertical-align: bottom;">
              <div style="text-align: right;">(3</div>
            </td>
            <td style="width: 1.13%; vertical-align: bottom;">
              <div>)</div>
            </td>
            <td colspan="4" style="width: 81.73%; vertical-align: bottom;">
              <div>The Company&#8217;s maximum Limit of Liability for this Telefacsimile Transmissions Insuring Clause is</div>
            </td>
            <td style="width: 12.76%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 4.39%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 1.13%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="4" style="width: 81.73%; vertical-align: bottom;">
              <div>$25,000,000, which is part of</div>
            </td>
            <td style="width: 12.76%; vertical-align: bottom;">
              <div>$58,000,000, and is subject to a deductible of $100,000, which</div>
            </td>
          </tr>
          <tr>
            <td style="width: 4.39%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 1.13%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
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              <div>applies to each and every loss.</div>
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            <td style="width: 30.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 4.39%; vertical-align: bottom;">
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            <td style="width: 4.39%; vertical-align: bottom;">
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            <td style="width: 4.39%; vertical-align: bottom;">
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              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 4.39%; vertical-align: bottom;">
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            <td style="width: 1.13%; vertical-align: bottom;">
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            <td style="width: 4.39%; vertical-align: bottom;">
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              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 4.39%; vertical-align: bottom;">
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              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 30.18%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 4.39%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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      <div>&#160;</div>
      <div style="margin-top: 12pt; margin-bottom: 12pt; font-size: 10pt;">Q08-2346 (12/2016)</div>
      <div style="margin-top: 12pt; margin-bottom: 12pt; font-size: 10pt;">Page 1</div>
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                <div style="text-align: center;">ASSURED to terminate or cancel coverage under this endorsement.</div>
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                <div>For purposes of this endorsement, the following terms shall apply:</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div>"Telefacsimile" means a system of transmitting written documents by electronic</div>
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              <td style="width: 3.04%; vertical-align: bottom;">
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                <div>The title and any headings in this endorsement/rider are solely for convenience and form no part of the terms</div>
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                <div>and conditions of coverage.</div>
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                <div>All other terms, conditions and limitations of this Policy shall remain unchanged.</div>
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      <div style="margin-top: 12pt; margin-bottom: 12pt; font-size: 10pt;">Q08-2346 (12/2016)</div>
      <div style="margin-top: 12pt; margin-bottom: 12pt; font-size: 10pt;">Page 2</div>
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                <div>Effective date of</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 30.62%; vertical-align: bottom;">
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                <div>this endorsement/rider: November 1, 2019</div>
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                <div style="text-align: right; font-weight: bold;">FEDERAL INSURANCE COMPANY</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 8.16%; vertical-align: bottom;">
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              <td style="width: 36.74%; vertical-align: bottom;">
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                <div>Endorsement/Rider No.</div>
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                <div style="text-align: right;">11</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 8.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 36.74%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 8.16%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 36.74%; vertical-align: bottom;">
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                <div>form a part of Bond No.</div>
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                <div style="text-align: right;">81391896</div>
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            <tr>
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                <div>Issued to: MASSACHUSETTS FINANCIAL SERVICES COMPANY DBA MFS INVESTMENT</div>
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                <div>MANAGEMENT</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 30.62%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="text-align: center; font-weight: bold;">AMEND EXTENDED FORGERY INSURING CLAUSE ENDORSEMENT</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="text-align: right;">In consideration of the premium charged, it is agreed that this Bond is amended by deleting paragraph b. of</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div>guaranteed in writing or witnessed any signature upon any transfer, assignment, bill of sale, power</div>
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                <div>medallion of or belonging to the ASSURED which was lost, stolen or counterfeited and for which</div>
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              <td style="width: 24.48%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 30.62%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="4" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td colspan="4" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
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            <tr>
              <td colspan="4" style="width: 100%; vertical-align: bottom;">
                <div style="text-align: right;">The title and any headings in this endorsement/rider are solely for convenience and form no part of the terms</div>
              </td>
            </tr>
            <tr>
              <td colspan="2" style="width: 44.9%; vertical-align: bottom;">
                <div>and conditions of coverage.</div>
              </td>
              <td style="width: 24.48%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 30.62%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td colspan="4" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td colspan="4" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td colspan="4" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td colspan="4" style="width: 100%; vertical-align: bottom;">
                <div>All other terms, conditions and limitations of this Bond shall remain unchanged.</div>
              </td>
            </tr>

        </table>
        <div>&#160;
          <div>
            <div>
              <div><img src="image00004.jpg"></div>
            </div>
          </div>
        </div>
      </div>
      <div style="margin-top: 12pt; margin-bottom: 12pt; font-size: 10pt;">
        <div><br>
        </div>
        <div style="margin-top: 12pt; margin-bottom: 12pt;">Q08-2348(12/2008)</div>
        <div style="margin-top: 12pt; margin-bottom: 12pt;">Page 1</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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        <div>
          <div><br>
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              <tr>
                <td style="width: 3.02%; vertical-align: middle;">&#160;</td>
                <td style="width: 3.02%; vertical-align: middle;">&#160;</td>
                <td style="width: 5.06%; vertical-align: middle;">&#160;</td>
                <td style="width: 3.04%; vertical-align: middle;">&#160;</td>
                <td style="width: 61.62%; vertical-align: middle;">&#160;</td>
                <td style="width: 24.24%; vertical-align: middle;">&#160;</td>
              </tr>
              <tr>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 5.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td colspan="2" style="width: 85.86%; vertical-align: bottom;">
                  <div style="text-indent: 220.5pt; font-weight: bold;">FEDERAL INSURANCE COMPANY</div>
                </td>
              </tr>
              <tr>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 5.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 61.62%; vertical-align: bottom;">
                  <div style="text-indent: 220.5pt;">Endorsement No:</div>
                </td>
                <td style="width: 24.24%; vertical-align: bottom;">
                  <div style="text-align: right;">12</div>
                </td>
              </tr>
              <tr>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 5.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 61.62%; vertical-align: bottom;">
                  <div style="text-indent: 220.5pt;">Bond Number:</div>
                </td>
                <td style="width: 24.24%; vertical-align: bottom;">
                  <div style="text-align: right;">81391896</div>
                </td>
              </tr>
              <tr>
                <td colspan="6" style="width: 100%; vertical-align: bottom;">
                  <div style="text-align: right;">NAME OF ASSURED: MASSACHUSETTS FINANCIAL SERVICES COMPANY DBA MFS INVESTMENT</div>
                </td>
              </tr>
              <tr>
                <td style="width: 3.02%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 5.06%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.04%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 61.62%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                  <div style="text-align: center;">MANAGEMENT</div>
                </td>
                <td style="width: 24.24%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td colspan="6" style="width: 100%; vertical-align: middle;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td colspan="6" style="width: 100%; vertical-align: bottom;">
                  <div style="text-align: center; font-weight: bold;">TERMINATION-NONRENEWAL-NOTICE ENDORSEMENT</div>
                </td>
              </tr>
              <tr>
                <td colspan="5" style="width: 75.76%; vertical-align: bottom;">
                  <div>It is agreed that this Bond is amended as follows:</div>
                </td>
                <td style="width: 24.24%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="text-align: right;">1</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div>.</div>
                </td>
                <td colspan="3" style="width: 69.71%; vertical-align: bottom;">
                  <div>By adding to Section 13., Termination, the following:</div>
                </td>
                <td style="width: 24.24%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td colspan="3" style="width: 69.71%; vertical-align: bottom;">
                  <div>"Termination By The Company</div>
                </td>
                <td style="width: 24.24%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td colspan="3" style="width: 69.71%; vertical-align: bottom;">
                  <div>Bonds In Effect For More Than Sixty (60) Days</div>
                </td>
                <td style="width: 24.24%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td colspan="4" style="width: 93.95%; vertical-align: bottom;">
                  <div style="text-align: right;">If this Bond has been in effect for more than sixty (60) days, or, if this Bond is a renewal, the</div>
                </td>
              </tr>
              <tr>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td colspan="4" style="width: 93.95%; vertical-align: bottom;">
                  <div style="text-align: right;">COMPANY may terminate by providing written notice of cancellation at least sixty (60) days before the</div>
                </td>
              </tr>
              <tr>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td colspan="3" style="width: 69.71%; vertical-align: bottom;">
                  <div>effective date of termination for at least one of the following reasons:</div>
                </td>
                <td style="width: 24.24%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 5.06%; vertical-align: bottom;">
                  <div style="text-align: right;">1</div>
                </td>
                <td style="width: 3.04%; vertical-align: bottom;">
                  <div>.</div>
                </td>
                <td style="width: 61.62%; vertical-align: bottom;">
                  <div style="text-indent: 0.85pt;">Nonpayment of premium;</div>
                </td>
                <td style="width: 24.24%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 5.06%; vertical-align: bottom;">
                  <div style="text-align: right;">2</div>
                </td>
                <td style="width: 3.04%; vertical-align: bottom;">
                  <div>.</div>
                </td>
                <td colspan="2" style="width: 85.86%; vertical-align: bottom;">
                  <div style="text-indent: 0.85pt;">Discovery of fraud or material misrepresentation in obtaining this Bond or in the presentation of a</div>
                </td>
              </tr>
              <tr>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 5.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 61.62%; vertical-align: bottom;">
                  <div>claim thereunder;</div>
                </td>
                <td style="width: 24.24%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 5.06%; vertical-align: bottom;">
                  <div style="text-align: right;">3</div>
                </td>
                <td style="width: 3.04%; vertical-align: bottom;">
                  <div>.</div>
                </td>
                <td colspan="2" style="width: 85.86%; vertical-align: bottom;">
                  <div style="text-indent: 0.85pt;">Discovery of willful or reckless acts or omissions or violation of any provision of this Bond on the</div>
                </td>
              </tr>
              <tr>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 5.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td colspan="2" style="width: 85.86%; vertical-align: bottom;">
                  <div style="text-indent: 0.85pt;">part of the ASSURED which substantially and materially increases any hazard insured against,</div>
                </td>
              </tr>
              <tr>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 5.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td colspan="2" style="width: 85.86%; vertical-align: bottom;">
                  <div style="text-indent: 0.85pt;">and which occurred subsequent to the inception of the current BOND PERIOD;</div>
                </td>
              </tr>
              <tr>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 5.06%; vertical-align: bottom;">
                  <div style="text-align: right;">4</div>
                </td>
                <td style="width: 3.04%; vertical-align: bottom;">
                  <div>.</div>
                </td>
                <td colspan="2" style="width: 85.86%; vertical-align: bottom;">
                  <div style="text-indent: 0.85pt;">Conviction of the ASSURED of a crime arising out of acts increasing the hazard insured against;</div>
                </td>
              </tr>
              <tr>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 5.06%; vertical-align: bottom;">
                  <div style="text-align: right;">5</div>
                </td>
                <td style="width: 3.04%; vertical-align: bottom;">
                  <div>.</div>
                </td>
                <td colspan="2" style="width: 85.86%; vertical-align: bottom;">
                  <div style="text-indent: 0.85pt;">Material change in the risk which increases the risk of loss after insurance coverage has been</div>
                </td>
              </tr>
              <tr>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 5.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td colspan="2" style="width: 85.86%; vertical-align: bottom;">
                  <div style="text-indent: 0.85pt;">issued or renewed, except to the extent that the COMPANY should reasonably have foreseen the</div>
                </td>
              </tr>
              <tr>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 5.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 61.62%; vertical-align: bottom;">
                  <div style="text-indent: 0.85pt;">change, or contemplated the risk when the contract was written;</div>
                </td>
                <td style="width: 24.24%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 5.06%; vertical-align: bottom;">
                  <div style="text-align: right;">6</div>
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                <td style="width: 3.04%; vertical-align: bottom;">
                  <div>.</div>
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                <td colspan="2" style="width: 85.86%; vertical-align: bottom;">
                  <div style="text-indent: 0.85pt;">Determination by the Commissioner that the continuation of the Bond would jeopardize a</div>
                </td>
              </tr>
              <tr>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 5.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td colspan="2" style="width: 85.86%; vertical-align: bottom;">
                  <div style="text-indent: 0.85pt;">COMPANY'S solvency or would place the COMPANY in violation of the insurance laws of any</div>
                </td>
              </tr>
              <tr>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 5.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 61.62%; vertical-align: bottom;">
                  <div style="text-indent: 0.85pt;">state;</div>
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                <td style="width: 24.24%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 5.06%; vertical-align: bottom;">
                  <div style="text-align: right;">7</div>
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                <td style="width: 3.04%; vertical-align: bottom;">
                  <div>.</div>
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                <td colspan="2" style="width: 85.86%; vertical-align: bottom;">
                  <div style="text-indent: 0.85pt;">Determination by the Commissioner that continuation of the present premium volume of the</div>
                </td>
              </tr>
              <tr>
                <td colspan="6" style="width: 100%; vertical-align: bottom;">
                  <div style="text-align: center;">COMPANY would jeopardize the COMPANY'S policyholders, creditors or the public;</div>
                </td>
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              <tr>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 5.06%; vertical-align: bottom;">
                  <div style="text-align: right;">8</div>
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                <td style="width: 3.04%; vertical-align: bottom;">
                  <div>.</div>
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                <td style="width: 61.62%; vertical-align: bottom;">
                  <div style="text-indent: 0.85pt;">Such other reasons that are approved by the Commissioner;</div>
                </td>
                <td style="width: 24.24%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 5.06%; vertical-align: bottom;">
                  <div style="text-align: right;">9</div>
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                <td style="width: 3.04%; vertical-align: bottom;">
                  <div>.</div>
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                <td colspan="2" style="width: 85.86%; vertical-align: bottom;">
                  <div style="text-indent: 0.85pt;">Determination by the Commissioner that the COMPANY no longer has adequate reinsurance to</div>
                </td>
              </tr>
              <tr>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 5.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 61.62%; vertical-align: bottom;">
                  <div>meet the ASSUREDS needs;</div>
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                <td style="width: 24.24%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
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              <tr>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 5.06%; vertical-align: bottom;">
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                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 3.02%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 5.06%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 3.04%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
                <td style="width: 61.62%; vertical-align: bottom;">
                  <div style="text-indent: 0.85pt;">inception of the Bond.</div>
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                <td style="width: 24.24%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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              <tr>
                <td style="width: 61.62%; vertical-align: middle;">&#160;</td>
                <td style="width: 38.38%; vertical-align: middle;">&#160;</td>
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              <tr>
                <td style="width: 61.62%; vertical-align: bottom;">
                  <div>ICAP Bond</div>
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                <td style="width: 38.38%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td style="width: 61.62%; vertical-align: bottom;">
                  <div>Form 17-02-1360 (Rev. 10-99)</div>
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                <td style="width: 38.38%; vertical-align: bottom;">
                  <div>Page 1</div>
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                <tr>
                  <td style="width: 3.04%; vertical-align: middle;">&#160;</td>
                  <td style="width: 96.96%; vertical-align: middle;">&#160;</td>
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                <tr>
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                    <div>Bonds In Effect Sixty (60) Days Or Less</div>
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                    <div>If this Bond has been in effect for sixty (60) days or less, and it is not a renewal Bond, the COMPANY</div>
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                    <div>may terminate for any reason by providing written notice of termination at least sixty (60) days before</div>
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                <tr>
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                    <div>the effective date of termination.</div>
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                    <div style="font-size: 12pt;">&#160;</div>
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                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>Notice of termination under this Section shall be mailed or delivered, by certified mail, return receipt</div>
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                    <div>provided by the United States Postal Service, to the ASSURED and to the authorized agent or broker, if</div>
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                    <div>any, at least sixty (60) days prior to the effective date of cancellation at the address shown on the</div>
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                    <div style="font-size: 12pt;">&#160;</div>
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                <tr>
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                    <div>If this Bond is cancelled for nonpayment of premium, the COMPANY will mail or deliver, by certified</div>
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                    <div>mail, return receipt provided by the United States Postal Service, a written notice at least thirty (30)</div>
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                    <div>days before the effective date of cancellation. The cancellation notice shall contain information</div>
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                <tr>
                  <td colspan="2" style="width: 100%; vertical-align: bottom;">
                    <div>regarding the amount of premium due and the due date, and shall state the effect of nonpayment by</div>
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                    <div>the due date. Cancellation shall not be effective if payment of the amount due is made prior to the</div>
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                    <div>effective date of cancellation.</div>
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                    <div style="font-size: 12pt;">&#160;</div>
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                <tr>
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                    <div>All notice of cancellation shall state the reason(s) for cancellation.</div>
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                <tr>
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                    <div style="font-size: 12pt;">&#160;</div>
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                <tr>
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                    <div>There is no liability on the part of, and no cause of action of any nature shall arise against, the</div>
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                    <div>to the COMPANY, information relating to the reasons for cancellation or nonrenewal, for any statement</div>
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                    <div>made by them in complying or enabling the COMPANY to comply with this Section, for the provision of</div>
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                    <div>information pertaining thereto, or for statements made or evidence submitted at any hearings</div>
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                    <div>conducted in connection therewith, if such information was provided in good faith and without malice.</div>
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                <tr>
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                    <div style="font-size: 12pt;">&#160;</div>
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                    <div>certified mail, return receipt, provided by the United States Postal Service, to the ASSURED, at his last</div>
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                    <div>known address, at least sixty (60) days before the expiration date or before the anniversary date, if this</div>
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                    <div style="text-align: right;">Bond has been written for a term of more than one (1) year. Such notice shall also be mailed to the</div>
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                    <div style="font-size: 12pt;">&#160;</div>
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                    <div style="font-size: 12pt;">&#160;</div>
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                <tr>
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                <tr>
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                    <div style="font-size: 12pt;">&#160;</div>
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                    <div style="font-size: 12pt;">&#160;</div>
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                <tr>
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                    <div>Notice of nonrenewal shall not be required if the COMPANY or a COMPANY within the same insurance</div>
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                <tr>
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                    <div>group has offered to issue a renewal Bond, the ASSURED has obtained replacement coverage or has</div>
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                <tr>
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                    <div>agreed in writing to obtain replacement coverage, the ASSURED has requested or agreed to</div>
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                <tr>
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                    <div>nonrenewal, or the Bond is expressly designated as nonrenewable.</div>
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                <tr>
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                  <td style="width: 38.38%; vertical-align: middle;">&#160;</td>
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                <tr>
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                    <div>ICAP Bond</div>
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                  <td style="width: 38.38%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
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                </tr>
                <tr>
                  <td style="width: 61.62%; vertical-align: bottom;">
                    <div>Form 17-02-1360 (Rev. 10-99)</div>
                  </td>
                  <td style="width: 38.38%; vertical-align: bottom;">
                    <div>Page 2</div>
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              <td style="width: 93.94%; vertical-align: middle;">&#160;</td>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 93.94%; vertical-align: bottom;">
                <div>Any unearned premiums which have been paid by the ASSURED shall be refunded to the ASSURED</div>
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              <td style="width: 3.02%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div>on a pro rata basis if terminated by the COMPANY or the ASSURED. The unearned premiums shall</div>
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                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 3.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>be refunded to the ASSURED within forty-five (45) days of receipt of the request for cancellation or the</div>
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                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 3.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
              </td>
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            <tr>
              <td style="width: 3.02%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 3.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 93.94%; vertical-align: bottom;">
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            </tr>
            <tr>
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                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
              <td style="width: 3.02%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 3.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 93.94%; vertical-align: bottom;">
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 93.94%; vertical-align: bottom;">
                <div>notice of the new terms or premiums at least sixty (60) days prior to the renewal date. If the</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 93.94%; vertical-align: bottom;">
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            <tr>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 93.94%; vertical-align: bottom;">
                <div>does not notify the ASSURED of the new terms or premiums, the COMPANY shall continue the Bond</div>
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                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 3.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
              <td style="width: 3.02%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.04%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 93.94%; vertical-align: bottom;">
                <div>coverage is obtained by the ASSURED, whichever occurs first.&#8221;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 39.8%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.05%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>Issued to: MASSACHUSETTS FINANCIAL SERVICES COMPANY</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="4" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div>Company, is amended by adding the following subsection:</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div>The title and any headings in this endorsement/rider are solely for convenience and form no part of the terms</div>
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                <div>and conditions of coverage.</div>
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              <div style="margin-top: 12pt; margin-bottom: 12pt;">14-02-14098 (04/2008)</div>
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                      <td style="width: 3.07%; vertical-align: middle;">&#160;</td>
                      <td style="width: 5.1%; vertical-align: middle;">&#160;</td>
                      <td style="width: 3.06%; vertical-align: middle;">&#160;</td>
                      <td style="width: 63.26%; vertical-align: middle;">&#160;</td>
                      <td style="width: 25.52%; vertical-align: middle;">&#160;</td>
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                        <div style="font-size: 12pt;">&#160;</div>
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                        <div style="font-size: 12pt;">&#160;</div>
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                        <div style="font-size: 12pt;">&#160;</div>
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                        <div style="text-indent: 210.65pt; font-weight: bold;">FEDERAL INSURANCE COMPANY</div>
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                      <td style="width: 3.07%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
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                      <td style="width: 5.1%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
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                      <td style="width: 3.06%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
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                        <div style="text-indent: 210.65pt;">Endorsement No.:</div>
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                        <div style="text-align: right;">14</div>
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                        <div style="font-size: 12pt;">&#160;</div>
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                      <td style="width: 5.1%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
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                      <td style="width: 3.06%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
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                        <div>NAME OF ASSURED: MASSACHUSETTS FINANCIAL SERVICES COMPANY DBA MFS INVESTMENT</div>
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                    <tr>
                      <td style="width: 3.07%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                        <div style="font-size: 12pt;">&#160;</div>
                      </td>
                      <td style="width: 5.1%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                        <div style="font-size: 12pt;">&#160;</div>
                      </td>
                      <td style="width: 3.06%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                        <div style="font-size: 12pt;">&#160;</div>
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                        <div style="font-size: 12pt;">&#160;</div>
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                        <div style="text-align: right;">It is agreed that this Bond is amended by deleting in its entirety General Agreement C., Additional Offices or</div>
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                        <div style="font-size: 12pt;">&#160;</div>
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                      <td style="width: 3.07%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
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                      <td style="width: 25.52%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
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                        <div style="text-align: right;">If the ASSURED, other than an <font style="font-weight: bold;">Investment Company</font>, while this Bond is in force, merges or</div>
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                        <div style="font-size: 12pt;">&#160;</div>
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                        <div>shall not have the coverage afforded under this Bond for loss which has:</div>
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                        <div style="font-size: 12pt;">&#160;</div>
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                        <div style="font-size: 12pt;">&#160;</div>
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                      <td style="width: 5.1%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
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                        <div style="font-size: 12pt;">&#160;</div>
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                        <div style="font-size: 12pt;">&#160;</div>
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                      <td style="width: 5.1%; vertical-align: bottom;">
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                        <div style="font-size: 12pt;">&#160;</div>
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                    </tr>
                    <tr>
                      <td style="width: 3.07%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
                      </td>
                      <td style="width: 5.1%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
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                      <td style="width: 3.06%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
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                      <td style="width: 63.26%; vertical-align: bottom;">
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                      <td style="width: 25.52%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
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                    <tr>
                      <td style="width: 3.07%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
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                      <td style="width: 5.1%; vertical-align: bottom;">
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                      <td style="width: 3.06%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
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                        <div>on obtaining such consent, pays to the COMPANY an additional premium.</div>
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                    <tr>
                      <td style="width: 3.07%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
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                        <div style="text-align: right;">Notwithstanding anything stated above to the contrary, the COMPANY hereby agrees to provide</div>
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                    <tr>
                      <td style="width: 3.07%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
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                      <td colspan="4" style="width: 96.93%; vertical-align: bottom;">
                        <div style="text-align: right;">coverage which shall be effective on the date of acquisition under this Bond for those acquired</div>
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                    <tr>
                      <td style="width: 3.07%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
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                      <td colspan="4" style="width: 96.93%; vertical-align: bottom;">
                        <div style="text-align: right;">institutions in which the ASSURED owns greater than fifty percent (50%) of the voting stock or voting</div>
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                    <tr>
                      <td style="width: 3.07%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
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                        <div style="text-align: right;">rights either directly or through one or more of its subsidiaries for the remainder of the BOND</div>
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                    <tr>
                      <td style="width: 3.07%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
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                    <tr>
                      <td style="width: 3.07%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
                      </td>
                      <td colspan="3" style="width: 71.42%; vertical-align: bottom;">
                        <div>conditions:</div>
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                      <td style="width: 25.52%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
                      </td>
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                    <tr>
                      <td style="width: 3.07%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
                      </td>
                      <td style="width: 5.1%; vertical-align: bottom;">
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                      <td style="width: 3.06%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
                      </td>
                      <td style="width: 63.26%; vertical-align: bottom;">
                        <div>the assets shall not exceed $1,000,000,000,</div>
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                      <td style="width: 25.52%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
                      </td>
                    </tr>
                    <tr>
                      <td style="width: 3.07%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
                      </td>
                      <td style="width: 5.1%; vertical-align: bottom;">
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                      <td style="width: 3.06%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
                      </td>
                      <td colspan="2" style="width: 88.78%; vertical-align: bottom;">
                        <div style="text-align: right;">there shall be neither any paid nor pending Bond claim for the three (3) year period prior to the</div>
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                    <tr>
                      <td style="width: 3.07%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
                      </td>
                      <td style="width: 5.1%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
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                      <td style="width: 3.06%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
                      </td>
                      <td style="width: 63.26%; vertical-align: bottom;">
                        <div>date of acquisition, and</div>
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                      <td style="width: 25.52%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
                      </td>
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                    <tr>
                      <td style="width: 3.07%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
                      </td>
                      <td style="width: 5.1%; vertical-align: bottom;">
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                      <td style="width: 3.06%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
                      </td>
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                        <div style="text-align: right;">the ASSURED is not aware of any disciplinary action or proceeding by State or Federal</div>
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                      <td style="width: 3.07%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
                      </td>
                      <td style="width: 5.1%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
                      </td>
                      <td style="width: 3.06%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
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                        <div>officials involving the acquired institution as of the date of acquisition.</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                    <tr>
                      <td style="width: 59.61%; vertical-align: middle;">&#160;</td>
                      <td style="width: 40.39%; vertical-align: middle;">&#160;</td>
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                    <tr>
                      <td style="width: 59.61%; vertical-align: bottom;">
                        <div>ICAP Bond</div>
                      </td>
                      <td style="width: 40.39%; vertical-align: bottom;">
                        <div style="font-size: 12pt;">&#160;</div>
                      </td>
                    </tr>
                    <tr>
                      <td style="width: 59.61%; vertical-align: bottom;">
                        <div>Form 17-02-6246 (Ed. 3-04)</div>
                      </td>
                      <td style="width: 40.39%; vertical-align: bottom;">
                        <div>Page 1</div>
                      </td>
                    </tr>

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      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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            <tr>
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                <div style="text-indent: 25.2pt;">The COMPANY further agrees that as respects any acquisition that involves a State or Federal</div>
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            </tr>
            <tr>
              <td style="width: 100%; vertical-align: bottom;">
                <div style="text-indent: 25.2pt;">regulatory assisted acquisition or assumption of assets and/or liabilities, coverage shall be provided</div>
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            <tr>
              <td style="width: 100%; vertical-align: bottom;">
                <div style="text-indent: 25.2pt;">under this Bond for the remainder of the BOND PERIOD as long as conditions i. and ii. above are</div>
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            </tr>
            <tr>
              <td style="width: 100%; vertical-align: bottom;">
                <div style="text-indent: 25.2pt;">met. As respects such acquisition or assumption of assets and/or liabilities, coverage applies only to</div>
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            <tr>
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                <div style="text-indent: 25.2pt;">a <font style="font-weight: bold;">Single Loss </font>fully sustained by the ASSURED on or after the date of such acquisition or</div>
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                <div style="text-indent: 25.2pt;">assumption. All of the circumstances, conditions or acts causing or contributing to a <font style="font-weight: bold;">Single Loss</font></div>
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                <div style="text-indent: 25.2pt;">must occur on or after the date of such acquisition or assumption for coverage to apply regardless of</div>
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            <tr>
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                <div style="text-indent: 25.2pt;">the time such loss is discovered by the ASSURED.</div>
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            </tr>
            <tr>
              <td style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
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            <tr>
              <td style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
              <td style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
              <td style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
              <td style="width: 100%; vertical-align: bottom;">
                <div>This Endorsement applies to loss discovered after 12:01 a.m. on November 1, 2019.</div>
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            <tr>
              <td style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
              <td style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
              <td style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
              <td style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
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                <div>ALL OTHER TERMS AND CONDITIONS OF THIS BOND REMAIN UNCHANGED.</div>
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        <div>&#160;</div>
        <div style="margin-top: 12pt; margin-bottom: 12pt; font-size: 10pt;">Date: January 17, 2020</div>
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                <tr>
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                    <div>ICAP Bond</div>
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                  <td style="width: 40.39%; vertical-align: bottom;">
                    <div style="font-size: 12pt;">&#160;</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 59.61%; vertical-align: bottom;">
                    <div>Form 17-02-6246 (Ed. 3-04)</div>
                  </td>
                  <td style="width: 40.39%; vertical-align: bottom;">
                    <div>Page 2</div>
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    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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      <div><br>
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          <tr>
            <td style="width: 3.06%; vertical-align: middle;">&#160;</td>
            <td style="width: 3.06%; vertical-align: middle;">&#160;</td>
            <td style="width: 6.12%; vertical-align: middle;">&#160;</td>
            <td style="width: 60.2%; vertical-align: middle;">&#160;</td>
            <td style="width: 27.56%; vertical-align: middle;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 3.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.12%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="2" style="width: 87.76%; vertical-align: bottom;">
              <div style="text-indent: 201.65pt; font-weight: bold;">FEDERAL INSURANCE COMPANY</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.12%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 60.2%; vertical-align: bottom;">
              <div style="text-indent: 201.65pt;">Endorsement No.:</div>
            </td>
            <td style="width: 27.56%; vertical-align: bottom;">
              <div style="text-align: right;">15</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.12%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
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              <div style="text-indent: 201.65pt;">Bond Number:</div>
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            <td style="width: 27.56%; vertical-align: bottom;">
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          </tr>
          <tr>
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              <div style="text-align: right;">NAME OF ASSURED: MASSACHUSETTS FINANCIAL SERVICES COMPANY DBA MFS INVESTMENT</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.06%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.06%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.12%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 60.2%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="text-indent: 53.05pt;">MANAGEMENT</div>
            </td>
            <td style="width: 27.56%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="5" style="width: 100%; vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">AMEND DISCOVERY ENDORSEMENT</div>
            </td>
          </tr>
          <tr>
            <td colspan="5" style="width: 100%; vertical-align: bottom;">
              <div style="text-align: right;">It is agreed that this Bond is amended by deleting Section 6., Discovery, in its entirety and substituting the</div>
            </td>
          </tr>
          <tr>
            <td colspan="3" style="width: 12.24%; vertical-align: bottom;">
              <div>following:</div>
            </td>
            <td style="width: 60.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 27.56%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.06%; vertical-align: bottom;">
              <div style="text-align: right;">6</div>
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            <td style="width: 3.06%; vertical-align: bottom;">
              <div>.</div>
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            <td colspan="2" style="width: 66.33%; vertical-align: bottom;">
              <div>Discovery</div>
            </td>
            <td style="width: 27.56%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="3" style="width: 93.89%; vertical-align: bottom;">
              <div>This Bond applies only to loss first discovered by the Risk Management Department or Department</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="3" style="width: 93.89%; vertical-align: bottom;">
              <div>of General Counsel of the ASSURED during the BOND PERIOD. Discovery occurs at the earlier of</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="3" style="width: 93.89%; vertical-align: bottom;">
              <div>the Risk Management Department or Department of General Counsel of the ASSURED being aware</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.12%; vertical-align: bottom;">
              <div>of:</div>
            </td>
            <td style="width: 60.2%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 27.56%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.12%; vertical-align: bottom;">
              <div>a.</div>
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            <td colspan="2" style="width: 87.76%; vertical-align: bottom;">
              <div>facts which may subsequently result in a loss of a type covered by this Bond, or</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 6.12%; vertical-align: bottom;">
              <div>b.</div>
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            <td colspan="2" style="width: 87.76%; vertical-align: bottom;">
              <div>an actual or potential claim in which it is alleged that the ASSURED is liable to a third party,</div>
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          </tr>
          <tr>
            <td style="width: 3.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td colspan="3" style="width: 93.89%; vertical-align: bottom;">
              <div>regardless of when the act or acts causing or contributing to such loss occurred, even though the</div>
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          </tr>
          <tr>
            <td style="width: 3.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div>amount of loss does not exceed the applicable DEDUCTIBLE AMOUNT, or the exact amount or</div>
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          </tr>
          <tr>
            <td style="width: 3.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 3.06%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td colspan="2" style="width: 66.33%; vertical-align: bottom;">
              <div>details of loss may not then be known.</div>
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            <td style="width: 27.56%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
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              <div style="font-size: 12pt;">&#160;</div>
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              <div style="font-size: 12pt;">&#160;</div>
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          <tr>
            <td colspan="5" style="width: 100%; vertical-align: bottom;">
              <div style="text-align: right;">This Endorsement applies to loss discovered after 12:01 a.m. on November 1, 2019.</div>
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            <td colspan="5" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
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              <div style="font-size: 12pt;">&#160;</div>
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          <tr>
            <td colspan="5" style="width: 100%; vertical-align: bottom;">
              <div style="text-align: right;">ALL OTHER TERMS AND CONDITIONS OF THIS BOND REMAIN UNCHANGED.</div>
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      <div>&#160;</div>
      <div style="margin-top: 12pt; margin-bottom: 12pt; font-size: 10pt;">Date: January 17, 2020</div>
    </div>
    <div> <img src="image00004.jpg"></div>
    <br>
    <div><br>
    </div>
    <div style="margin-top: 12pt; margin-bottom: 12pt; font-size: 10pt;">ICAP Bond</div>
    <div style="font-size: 10pt;">Form 17-02-6260 (Ed. 6-04)</div>
    <div style="font-size: 10pt;"> <br>
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      <div><br>
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          <tr>
            <td style="width: 43.44%; vertical-align: middle;">&#160;</td>
            <td style="width: 26.26%; vertical-align: middle;">&#160;</td>
            <td style="width: 30.3%; vertical-align: middle;">&#160;</td>
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            <td style="width: 43.44%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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              <div style="text-align: right; font-weight: bold;">ENDORSEMENT/RIDER</div>
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              <div>Effective date of</div>
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            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 30.3%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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          <tr>
            <td style="width: 43.44%; vertical-align: bottom;">
              <div>this endorsement/rider: November 1, 2019</div>
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              <div style="font-weight: bold;">FEDERAL INSURANCE COMPANY</div>
            </td>
          </tr>
          <tr>
            <td style="width: 43.44%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 26.26%; vertical-align: bottom;">
              <div>Endorsement/Rider No.</div>
            </td>
            <td style="width: 30.3%; vertical-align: bottom;">
              <div style="text-align: right;">16</div>
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            <td style="width: 43.44%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 26.26%; vertical-align: bottom;">
              <div>To be attached to and</div>
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            <td style="width: 30.3%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
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            <td style="width: 43.44%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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            <td style="width: 26.26%; vertical-align: bottom;">
              <div>form a part of Bond No.</div>
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            <td style="width: 30.3%; vertical-align: bottom;">
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          </tr>
          <tr>
            <td colspan="3" style="width: 100%; vertical-align: bottom;">
              <div>Issued to: MASSACHUSETTS FINANCIAL SERVICES COMPANY DBA MFS INVESTMENT</div>
            </td>
          </tr>
          <tr>
            <td style="width: 43.44%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="text-indent: 50.4pt;">MANAGEMENT</div>
            </td>
            <td style="width: 26.26%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 30.3%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td colspan="3" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
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          <tr>
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              <div style="text-align: center;">AMEND DEFINITION OF EMPLOYEE ENDORSEMENT</div>
            </td>
          </tr>
          <tr>
            <td colspan="3" style="width: 100%; vertical-align: bottom;">
              <div>In consideration of the premium charged, it is agreed that the definition of <font style="font-weight: bold;">Employee </font>as set forth in Section 1,</div>
            </td>
          </tr>
          <tr>
            <td colspan="3" style="width: 100%; vertical-align: bottom;">
              <div>Definitions, of the Conditions and Limitations section, is amended to include any consultants and independent</div>
            </td>
          </tr>
          <tr>
            <td colspan="2" style="width: 69.7%; vertical-align: bottom;">
              <div>contractors that have a valid contract with the ASSURED.</div>
            </td>
            <td style="width: 30.3%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
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          </tr>
          <tr>
            <td colspan="3" style="width: 100%; vertical-align: bottom;">
              <div>The title and any headings in this endorsement/rider are solely for convenience and form no part of the terms</div>
            </td>
          </tr>
          <tr>
            <td style="width: 43.44%; vertical-align: bottom;">
              <div>and conditions of coverage.</div>
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            <td style="width: 26.26%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
            <td style="width: 30.3%; vertical-align: bottom;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
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            <td colspan="3" style="width: 100%; vertical-align: middle;">
              <div style="font-size: 12pt;">&#160;</div>
            </td>
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          <tr>
            <td colspan="3" style="width: 100%; vertical-align: bottom;">
              <div>All other terms, conditions and limitations of this Bond shall remain unchanged.</div>
            </td>
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      <div>&#160;</div>
    </div>
    <div style="font-size: 10pt;">
      <div> <img src="image00004.jpg"></div>
    </div>
    <div style="font-size: 10pt;"> <br>
    </div>
    <div style="font-size: 10pt;">
      <div><br>
      </div>
      <div style="margin-top: 12pt; margin-bottom: 12pt;">Q08-2322 (12/2008)</div>
      <div>Page 1</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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              <td style="width: 4.09%; vertical-align: middle;">&#160;</td>
              <td style="width: 3.06%; vertical-align: middle;">&#160;</td>
              <td style="width: 12.24%; vertical-align: middle;">&#160;</td>
              <td style="width: 54.08%; vertical-align: middle;">&#160;</td>
              <td style="width: 26.54%; vertical-align: middle;">&#160;</td>
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              <td style="width: 4.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="2" style="width: 80.62%; vertical-align: bottom;">
                <div style="text-indent: 180.05pt; font-weight: bold;">FEDERAL INSURANCE COMPANY</div>
              </td>
            </tr>
            <tr>
              <td colspan="5" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 4.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
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                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 12.24%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 54.08%; vertical-align: bottom;">
                <div style="text-indent: 180.05pt;">Rider No.:</div>
              </td>
              <td style="width: 26.54%; vertical-align: bottom;">
                <div style="text-align: right;">17</div>
              </td>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
              </td>
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                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 54.08%; vertical-align: bottom;">
                <div style="text-indent: 180.05pt;">Bond Number:</div>
              </td>
              <td style="width: 26.54%; vertical-align: bottom;">
                <div style="text-align: right;">81391896</div>
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            </tr>
            <tr>
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                <div style="font-size: 12pt;">&#160;</div>
              </td>
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            <tr>
              <td colspan="3" style="width: 19.38%; vertical-align: bottom;">
                <div>Name of Insured:</div>
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                <div style="text-align: right;">MASSACHUSETTS FINANCIAL SERVICES COMPANY DBA MFS INVESTMENT</div>
              </td>
            </tr>
            <tr>
              <td style="width: 4.09%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 3.06%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 12.24%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 54.08%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div>MANAGEMENT</div>
              </td>
              <td style="width: 26.54%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
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              <td colspan="5" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
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            <tr>
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                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="width: 19.38%; vertical-align: bottom;">
                <div>It is agreed that:</div>
              </td>
              <td style="width: 54.08%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 26.54%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td colspan="5" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
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            <tr>
              <td style="width: 4.09%; vertical-align: bottom;">
                <div style="text-align: right;">1</div>
              </td>
              <td style="width: 3.06%; vertical-align: bottom;">
                <div>.</div>
              </td>
              <td colspan="3" style="width: 92.85%; vertical-align: bottom;">
                <div>&#8220;Employee&#8221; as used in the attached bond shall include any natural person who is a director or</div>
              </td>
            </tr>
            <tr>
              <td style="width: 4.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="3" style="width: 92.85%; vertical-align: bottom;">
                <div>trustee of the Insured while such director or trustee is engaged in handling funds or other property</div>
              </td>
            </tr>
            <tr>
              <td style="width: 4.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>of any Employee Welfare or Pension Benefit Plan owned, controlled or operated by the Insured or</div>
              </td>
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            <tr>
              <td style="width: 4.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="3" style="width: 92.85%; vertical-align: bottom;">
                <div>any natural person who is a trustee, manager, officer or employee of any such Plan.</div>
              </td>
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            <tr>
              <td colspan="5" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
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              <td style="width: 4.09%; vertical-align: bottom;">
                <div style="text-align: right;">2</div>
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              <td style="width: 3.06%; vertical-align: bottom;">
                <div>.</div>
              </td>
              <td colspan="3" style="width: 92.85%; vertical-align: bottom;">
                <div>If the bond, in accordance with the agreements, limitations and conditions thereof, covers loss</div>
              </td>
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              <td style="width: 4.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>sustained by two or more Employee Welfare or Pension Benefit Plans or sustained by any such</div>
              </td>
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              <td style="width: 4.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="3" style="width: 92.85%; vertical-align: bottom;">
                <div>Plan in addition to loss sustained by an Insured other than such Plan, it is the obligation of the</div>
              </td>
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            <tr>
              <td style="width: 4.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>Insured or the Plan Administrator(s) of such Plans under Regulations published by the Secretary</div>
              </td>
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            <tr>
              <td style="width: 4.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="3" style="width: 92.85%; vertical-align: bottom;">
                <div>of Labor implementing Section 13 of the Welfare and Pension Plans Disclosure Act of 1958 to</div>
              </td>
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            <tr>
              <td style="width: 4.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="3" style="width: 92.85%; vertical-align: bottom;">
                <div>obtain under one or more bonds issued by one or more Insurers an amount of coverage for each</div>
              </td>
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              <td style="width: 4.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="3" style="width: 92.85%; vertical-align: bottom;">
                <div>such Plan at least equal to that which would be required if such Plans were bonded separately.</div>
              </td>
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            <tr>
              <td colspan="5" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
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                <div style="text-align: right;">3</div>
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              <td style="width: 3.06%; vertical-align: bottom;">
                <div>.</div>
              </td>
              <td colspan="3" style="width: 92.85%; vertical-align: bottom;">
                <div>In compliance with the foregoing, payment by the Company in accordance with the agreements,</div>
              </td>
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              <td style="width: 4.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="3" style="width: 92.85%; vertical-align: bottom;">
                <div>limitations and conditions of the bond shall be held by the Insured, or, if more than one, by the</div>
              </td>
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            <tr>
              <td style="width: 4.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="3" style="width: 92.85%; vertical-align: bottom;">
                <div>Insured first named, for the use and benefit of any Employee Welfare or Pension Benefit Plan</div>
              </td>
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            <tr>
              <td style="width: 4.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="3" style="width: 92.85%; vertical-align: bottom;">
                <div>sustaining loss so covered and to the extent that such payment is in excess of the amount of</div>
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              <td style="width: 4.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="3" style="width: 92.85%; vertical-align: bottom;">
                <div>coverage required by such Regulations to be carried by said Plan sustaining such loss, such</div>
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            <tr>
              <td style="width: 4.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="3" style="width: 92.85%; vertical-align: bottom;">
                <div>excess shall be held for the use and benefit of any other such Plan also covered in the event that</div>
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            <tr>
              <td style="width: 4.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div>such other Plan discovers that it has sustained loss covered thereunder.</div>
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            <tr>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="text-align: right;">4</div>
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              <td colspan="3" style="width: 92.85%; vertical-align: bottom;">
                <div>If money or other property of two or more Employee Welfare or Pension Benefit Plans covered</div>
              </td>
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            <tr>
              <td style="width: 4.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="3" style="width: 92.85%; vertical-align: bottom;">
                <div>under the bond is commingled, recovery for loss of such money or other property through</div>
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            <tr>
              <td style="width: 4.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
              </td>
              <td colspan="3" style="width: 92.85%; vertical-align: bottom;">
                <div>fraudulent or dishonest acts of Employees shall be shared by such Plans on a pro rata basis in</div>
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            <tr>
              <td style="width: 4.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 4.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 26.54%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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            <tr>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 4.09%; vertical-align: bottom;">
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              <td style="width: 4.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 4.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 4.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="5" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="5" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="5" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 4.09%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 26.54%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 26.54%; vertical-align: bottom;">
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              <td style="width: 26.54%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="5" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 8pt;">REVISED TO JUNE, 1990.</div>
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        <div style="margin-top: 12pt; margin-bottom: 12pt; font-size: 8pt;">SR 6145b</div>
        <div style="margin-top: 12pt; margin-bottom: 12pt;">Page 1</div>
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                <td style="width: 3.04%; vertical-align: middle;">&#160;</td>
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                  <div style="font-size: 12pt;">&#160;</div>
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                  <div style="font-size: 12pt;">&#160;</div>
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                  <div>provisions, agreements or limitations of the bond, other than as stated herein.</div>
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          <div style="font-size: 12pt;">&#160;</div>
          <div style="margin-top: 12pt; margin-bottom: 12pt;">Date: January 17, 2020</div>
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              <div style="font-size: 8pt;">TO COMPLY WITH BONDING REGULATIONS MADE</div>
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              <div style="font-size: 8pt;">INCOME SECURITY ACT OF 1974.</div>
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              <div style="font-size: 12pt;">&#160;</div>
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          <tr>
            <td style="width: 100%; vertical-align: bottom;">
              <div style="font-size: 8pt;">NOTE: This rider should not be used for any insured exempted from the bonding provisions of the Act.</div>
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          <tr>
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              <div style="font-size: 12pt;">&#160;</div>
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      <div style="margin-top: 12pt; margin-bottom: 12pt; font-size: 8pt;">SR 6145b</div>
      <div style="margin-top: 12pt; margin-bottom: 12pt;">Page 2</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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              <td style="width: 36.74%; vertical-align: middle;">&#160;</td>
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              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 36.74%; vertical-align: bottom;">
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.06%; vertical-align: bottom;">
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              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 36.74%; vertical-align: bottom;">
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                <div style="text-indent: 38.15pt;">form a part of Bond No.</div>
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                <div style="text-align: right;">81391896</div>
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                <div style="text-align: right;">Issued to: MASSACHUSETTS FINANCIAL SERVICES COMPANY DBA MFS INVESTMENT</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.06%; vertical-align: bottom; border-bottom: #000000 2px solid;">
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 24.48%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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            </tr>
            <tr>
              <td colspan="5" style="width: 100%; vertical-align: bottom;">
                <div style="text-align: right;">In consideration of the premium charged, it is agreed that this Bond is amended as follows:</div>
              </td>
            </tr>
            <tr>
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                <div>The paragraph titled Other Property in Section 9, Valuation, is deleted in its entirety.</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.06%; vertical-align: bottom;">
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 24.48%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 3.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 24.48%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div>All other terms, conditions and limitations of this Bond shall remain unchanged.</div>
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                <div style="font-size: 12pt;">&#160;</div>
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        <div style="font-size: 12pt;">&#160;</div>
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    <div style="font-size: 10pt;"> <img src="image00004.jpg"></div>
    <div style="font-size: 10pt;"> <br>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 4.13%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 2.06%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="5" style="width: 100%; vertical-align: middle;">
                <div style="font-size: 12pt;">&#160;</div>
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              <td colspan="5" style="width: 100%; vertical-align: bottom;">
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              <td colspan="3" style="width: 44.32%; vertical-align: bottom;">
                <div>conditions of coverage.</div>
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                <div style="font-size: 12pt;">&#160;</div>
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              <td style="width: 31.96%; vertical-align: bottom;">
                <div style="font-size: 12pt;">&#160;</div>
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                <div style="font-size: 12pt;">&#160;</div>
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                <div style="text-align: right;">All other terms, conditions and limitations of this Policy shall remain unchanged.</div>
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        <div>
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      <div> <br>
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        <div><br>
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        <div style="margin-top: 12pt; margin-bottom: 12pt;">Q09-1831 (11/2009)</div>
        <div>Page 1</div>
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              <tr>
                <td style="width: 44.44%; vertical-align: middle;">&#160;</td>
                <td style="width: 22.22%; vertical-align: middle;">&#160;</td>
                <td style="width: 33.34%; vertical-align: middle;">&#160;</td>
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              <tr>
                <td style="width: 44.44%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 22.22%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 33.34%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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              <tr>
                <td style="width: 44.44%; vertical-align: bottom;">
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                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 44.44%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 33.34%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 44.44%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                  <div style="text-align: right;">21</div>
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                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 44.44%; vertical-align: bottom;">
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                  <div style="font-size: 12pt;">&#160;</div>
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              <tr>
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                <td colspan="3" style="width: 100%; vertical-align: bottom;">
                  <div>In consideration of the premium charged, it is agreed that this Bond is amended by adding the following to</div>
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              <tr>
                <td style="width: 44.44%; vertical-align: bottom;">
                  <div>Section 13., Termination:</div>
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                <td style="width: 22.22%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 33.34%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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              <tr>
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              <tr>
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                  <div style="text-indent: 18pt;">notify State of New Hampshire (Banking Department, Bank Commissioner, 53 Regional Drive, Suite 22,</div>
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              <tr>
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                  <div style="text-indent: 18pt;">Concord, NH 03301) of such cancellation or reduction within ten (10) business days after receipt of such</div>
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                  <div style="text-indent: 18pt;">request. Provided, however, that failure to do so shall not impair or delay the effectiveness of such</div>
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              <tr>
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                  <div style="text-indent: 18pt;">cancellation or reduction, nor shall the COMPANY be held liable in any way.</div>
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                  <div style="font-size: 12pt;">&#160;</div>
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                <td colspan="3" style="width: 100%; vertical-align: middle;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td colspan="3" style="width: 100%; vertical-align: bottom;">
                  <div>The title and any headings in this endorsement/rider are solely for convenience and form no part of the terms</div>
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              </tr>
              <tr>
                <td style="width: 44.44%; vertical-align: bottom;">
                  <div>and conditions of coverage.</div>
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                <td style="width: 22.22%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 33.34%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                  <div>All other terms, conditions and limitations of this Bond shall remain unchanged.</div>
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                  <div style="font-size: 12pt;">&#160;</div>
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          <div style="font-size: 12pt;">&#160;</div>
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          <div>
            <div> <img src="image00004.jpg"></div>
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        </div>
      </div>
      <div>
        <div><br>
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        <div style="margin-top: 12pt; margin-bottom: 12pt;">MS-211981 (12/2017)</div>
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              <tr>
                <td style="width: 73.74%; vertical-align: middle;">&#160;</td>
                <td style="width: 26.26%; vertical-align: middle;">&#160;</td>
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              </tr>
              <tr>
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                  <div style="text-align: right;">Endorsement No.: 22</div>
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              <tr>
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                  <div style="text-indent: 270.05pt;">Bond Number:</div>
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                <td style="width: 26.26%; vertical-align: bottom;">
                  <div style="text-align: right;">81391896</div>
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              </tr>
              <tr>
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                  <div>NAME OF ASSURED: MASSACHUSETTS FINANCIAL SERVICES COMPANY DBA MFS INVESTMENT</div>
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                <td style="width: 73.74%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                  <div style="text-indent: 100.8pt;">MANAGEMENT</div>
                </td>
                <td style="width: 26.26%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td colspan="2" style="width: 100%; vertical-align: bottom;">
                  <div>It is agreed that in the event of a loss covered under this Bond and also covered under FEDERAL</div>
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              <tr>
                <td colspan="2" style="width: 100%; vertical-align: bottom;">
                  <div>INSURANCE COMPANY'S Bond No. 82179304 issued to MASSACHUSETTS FINANCIAL SERVICES</div>
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                <td colspan="2" style="width: 100%; vertical-align: bottom;">
                  <div>COMPANY DBA MFS INVESTMENT MANAGEMENT, the SINGLE LOSS LIMIT OF LIABILITY under this</div>
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                <td colspan="2" style="width: 100%; vertical-align: bottom;">
                  <div>Bond shall be reduced by any payment under Bond No. 82179304 and only the remainder, if any, shall be</div>
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              <tr>
                <td style="width: 73.74%; vertical-align: bottom;">
                  <div>applicable to such loss hereunder.</div>
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                <td style="width: 26.26%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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              <tr>
                <td style="width: 73.74%; vertical-align: bottom;">
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                <td style="width: 26.26%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td style="width: 73.74%; vertical-align: bottom;">
                  <div>MFS INVESTMENT</div>
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                <td style="width: 26.26%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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              <tr>
                <td style="width: 73.74%; vertical-align: bottom;">
                  <div style="text-indent: 180.05pt;">MANAGEMENT</div>
                </td>
                <td style="width: 26.26%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td style="width: 73.74%; vertical-align: bottom;">
                  <div style="text-indent: 180.05pt;">111 HUNTINGTON AVENUE</div>
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                <td style="width: 26.26%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
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              <tr>
                <td style="width: 73.74%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                  <div style="text-indent: 180.05pt;">BOSTON, MA 02199</div>
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                <td style="width: 26.26%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td colspan="2" style="width: 100%; vertical-align: middle;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td colspan="2" style="width: 100%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                  <div style="text-indent: 180.05pt;">Signature of Assured&#8217;s Representative</div>
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                <td style="width: 73.74%; vertical-align: bottom; border-bottom: #000000 2px solid;">
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                </td>
                <td style="width: 26.26%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                  <div style="font-size: 12pt;">&#160;</div>
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                <td colspan="2" style="width: 100%; vertical-align: middle;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td style="width: 73.74%; vertical-align: bottom;">
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                </td>
                <td style="width: 26.26%; vertical-align: bottom;">
                  <div style="font-size: 12pt;">&#160;</div>
                </td>
              </tr>
              <tr>
                <td colspan="2" style="width: 100%; vertical-align: bottom;">
                  <div>This Endorsement applies to loss discovered after 12:01 a.m. on November 1, 2019.</div>
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              <tr>
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                  <div>ALL OTHER TERMS AND CONDITIONS OF THIS BOND REMAIN UNCHANGED.</div>
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          <div style="font-size: 12pt;">&#160;</div>
          <div style="margin-top: 12pt; margin-bottom: 12pt;">Date: January 17, 2020</div>
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              <div> <img src="image00004.jpg">
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                  <div style="margin-top: 12pt; margin-bottom: 12pt;">ICAP Bond</div>
                  <div>Form 17-02-0955 (Rev. 1-97)</div>
                  <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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                          <td style="width: 1.51%; vertical-align: middle;">&#160;</td>
                          <td style="width: 0.96%; vertical-align: middle;">&#160;</td>
                          <td style="width: 32.89%; vertical-align: middle;">&#160;</td>
                          <td style="width: 23.38%; vertical-align: middle;">&#160;</td>
                          <td style="width: 29.69%; vertical-align: middle;">&#160;</td>
                          <td style="width: 11.58%; vertical-align: middle;">&#160;</td>
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                          <td style="width: 1.51%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 0.96%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 32.89%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 23.38%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 29.69%; vertical-align: bottom;">
                            <div style="text-align: right; font-weight: bold;">ENDORSEMENT/RIDER</div>
                          </td>
                          <td style="width: 11.58%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                        </tr>
                        <tr>
                          <td colspan="6" style="width: 100%; vertical-align: middle;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                        </tr>
                        <tr>
                          <td colspan="6" style="width: 100%; vertical-align: middle;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
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                          <td colspan="3" style="width: 35.36%; vertical-align: bottom;">
                            <div>Effective date of</div>
                          </td>
                          <td style="width: 23.38%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 29.69%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 11.58%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
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                        <tr>
                          <td colspan="3" style="width: 35.36%; vertical-align: bottom;">
                            <div>this endorsement/rider: November 1, 2019</div>
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                          <td colspan="2" style="width: 53.07%; vertical-align: bottom;">
                            <div>FEDERAL INSURANCE COMPANY</div>
                          </td>
                          <td style="width: 11.58%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                        </tr>
                        <tr>
                          <td colspan="6" style="width: 100%; vertical-align: middle;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
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                        <tr>
                          <td style="width: 1.51%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 0.96%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 32.89%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                          <td style="width: 23.38%; vertical-align: bottom;">
                            <div>Endorsement/Rider No.</div>
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                          <td style="width: 29.69%; vertical-align: bottom;">
                            <div style="text-align: right;">23</div>
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                          <td style="width: 11.58%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
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                        <tr>
                          <td colspan="6" style="width: 100%; vertical-align: middle;">
                            <div style="font-size: 12pt;">&#160;</div>
                          </td>
                        </tr>
                        <tr>
                          <td style="width: 1.51%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                            <div>form a part of Policy No.</div>
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                            <div style="font-size: 12pt;">&#160;</div>
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                            <div style="text-align: right;">Issued to: MASSACHUSETTS FINANCIAL SERVICES COMPANY DBA MFS INVESTMENT</div>
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                            <div style="font-size: 12pt;">&#160;</div>
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                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 1.51%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 0.96%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                            <div style="text-align: right;">CANCELLATION NOTICE ENDORSEMENT</div>
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                          <td style="width: 29.69%; vertical-align: bottom;">
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                          <td style="width: 11.58%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td colspan="6" style="width: 100%; vertical-align: middle;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td colspan="4" style="width: 58.73%; vertical-align: bottom;">
                            <div>In consideration of the premium charged, it is agreed that:</div>
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                          <td style="width: 29.69%; vertical-align: bottom;">
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                          <td style="width: 11.58%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 11.58%; vertical-align: bottom;">
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                          <td colspan="3" style="width: 85.95%; vertical-align: bottom;">
                            <div>York Stock Exchange located at 11 Wall Street, New York, NY 10005, is to be notified promptly</div>
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                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 0.96%; vertical-align: bottom;">
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                            <div>concerning the cancellation, termination or substantial modification of the attached bond, whether at</div>
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                          <td style="width: 11.58%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 0.96%; vertical-align: bottom;">
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                            <div>the request of the ASSURED or the COMPANY, and will use its best efforts to so notify said</div>
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                          <td style="width: 1.51%; vertical-align: bottom;">
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                          <td style="width: 0.96%; vertical-align: bottom;">
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                          <td style="width: 11.58%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 1.51%; vertical-align: bottom;">
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                          <td style="width: 0.96%; vertical-align: bottom;">
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                            <div>of any such cancellation, termination or modification.</div>
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                          <td style="width: 29.69%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 11.58%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                            <div>.</div>
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                            <div>Should this Bond be canceled, reduced, non-renewed or restrictively modified by the COMPANY, the</div>
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                          <td style="width: 11.58%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 11.58%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 1.51%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 0.96%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                            <div>Power Risk Management Section, P.O. Box 51111, Room 465, Los Angeles, CA 90051-5700, unless</div>
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                          <td style="width: 11.58%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                            <div style="font-size: 12pt;">&#160;</div>
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                            <div>an earlier date of such cancelation is approved by the Los Angeles Department of Water and Power</div>
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                          <td style="width: 11.58%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 1.51%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 0.96%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 32.89%; vertical-align: bottom;">
                            <div>Risk Management Section.</div>
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                          <td style="width: 23.38%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 29.69%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 11.58%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td colspan="6" style="width: 100%; vertical-align: middle;">
                            <div style="font-size: 12pt;">&#160;</div>
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                            <div>Should this Bond be canceled or reduced at the request of the ASSURED, the COMPANY will notify</div>
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                          <td style="width: 11.58%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 1.51%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 0.96%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                            <div>Los Angeles Department of Water and Power Risk Management Section, P.O. Box 51111, Room</div>
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                          <td style="width: 11.58%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 1.51%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                            <div>465, Los Angeles, C</div>
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                            <div>A 90051-5700, of such cancellation or reduction within ten (10) business days</div>
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                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 0.96%; vertical-align: bottom;">
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                            <div>after receipt of such request, unless an earlier date of such cancelation is approved by the Los</div>
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                          <td style="width: 11.58%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 1.51%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                            <div style="font-size: 12pt;">&#160;</div>
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                            <div>Angeles Department of Water and Power Risk Management Section<font style="font-style: italic;">.</font></div>
                          </td>
                          <td style="width: 29.69%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 11.58%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                            <div style="font-size: 12pt;">&#160;</div>
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                            <div style="font-size: 12pt;">&#160;</div>
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                            <div style="font-size: 12pt;">&#160;</div>
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                            <div style="text-align: right;">The title and any headings in this endorsement/rider are solely for convenience and form no part of the terms and</div>
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                            <div>conditions of coverage.</div>
                          </td>
                          <td style="width: 23.38%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                          <td style="width: 29.69%; vertical-align: bottom;">
                            <div style="font-size: 12pt;">&#160;</div>
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                            <div>All other terms, conditions and limitations of this Policy shall remain unchanged.</div>
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                <div><img src="image00004.jpg">
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                    <div><br>
                    </div>
                    <div style="margin-top: 12pt; margin-bottom: 12pt;">Q12-1858 (11/2014)</div>
                    <div style="margin-top: 12pt; margin-bottom: 12pt;">Page 1</div>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
