<SEC-DOCUMENT>0001206774-16-005922.txt : 20160511
<SEC-HEADER>0001206774-16-005922.hdr.sgml : 20160511
<ACCEPTANCE-DATETIME>20160511161108
ACCESSION NUMBER:		0001206774-16-005922
CONFORMED SUBMISSION TYPE:	40-17G
PUBLIC DOCUMENT COUNT:		5
FILED AS OF DATE:		20160511
DATE AS OF CHANGE:		20160511
EFFECTIVENESS DATE:		20160511

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FLAHERTY & CRUMRINE TOTAL RETURN FUND INC
		CENTRAL INDEX KEY:			0001245648
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			1130

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-21380
		FILM NUMBER:		161640001

	BUSINESS ADDRESS:	
		STREET 1:		301 E COLORADO BLVD STE 720
		STREET 2:		C/O FLAHERTY & CRUMRINE INC
		CITY:			PASADENA
		STATE:			CA
		ZIP:			91101
		BUSINESS PHONE:		(626) 795-7300

	MAIL ADDRESS:	
		STREET 1:		301 E COLORADO BLVD STE 720
		STREET 2:		C/O FLAHERTY & CRUMRINE INC
		CITY:			PASADENA
		STATE:			CA
		ZIP:			91101

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FLAHERTY & CRUMRINE/CLAYMORE TOTAL RETURN FUND INC
		DATE OF NAME CHANGE:	20030623
</SEC-HEADER>
<DOCUMENT>
<TYPE>40-17G
<SEQUENCE>1
<FILENAME>fandcflc_40-17g.htm
<DESCRIPTION>FIDELITY BOND FILED PURSUANT TO RULE 17G-1(G)(1)
<TEXT>

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   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>KNIGHT INSURANCE SERVICES</FONT></TD></TR>

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   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ATTN:</FONT></TD>

   <TD colSpan=2 align=center><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Janine Coyne</FONT></TD></TR>

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   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>535 N. BRAND BL. 10TH FL</FONT></TD></TR>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>GLENDALE, CA 91203</FONT></TD>

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   <TD colSpan=2 align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>INSURED:</FONT></I></B></TD>

   <TD align=left><FONT size=2 face="Times New Roman,Arial,Helvetica,sans-serif">FLAHERTY &amp; CRUMRINE TOTAL RETURN FUND INCORPORATED</FONT></TD></TR>

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   <TD colSpan=2 align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>PRODUCT:</FONT></I></B></TD>

   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>DFIBond</FONT></I></B></TD></TR>

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   <TD colSpan=2 align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>POLICY NO:</FONT></I></B></TD>

   <TD align=left><FONT size=2 face="Times New Roman,Arial,Helvetica,sans-serif">82302721</FONT></TD></TR>

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   <TD colSpan=2 align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>TRANSACTION:</FONT></I></B></TD>

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   <TD style="TEXT-INDENT: 14.396pt" colSpan=6 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Chubb Group of Insurance Companies</FONT></B></TD>

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   <TD colSpan=3 align=left><B><FONT size=3 face=Arial,Bold,Arial,Helvetica,sans-serif>FINANCIAL INSTITUTION INVESTMENT</FONT></B></TD></TR>

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   <TD style="TEXT-INDENT: 14.396pt" colSpan=6 align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>15 Mountain View Road, Warren, New Jersey 07059</FONT></TD>

   <TD colSpan=3 align=left><B><FONT size=3 face=Arial,Bold,Arial,Helvetica,sans-serif>COMPANY ASSET PROTECTION BOND</FONT></B></TD></TR>

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   <TD colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>NAME OF ASSURED (including its </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Subsidiaries</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>):</FONT></TD>

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   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Bond Number: 82302721</FONT></TD></TR>

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   <TD colSpan=7 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>FLAHERTY &amp; CRUMRINE TOTAL RETURN FUND INCORPORATED</FONT></TD>

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   <TD colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>301 EAST COLORADO BLVD., #720</FONT></TD>

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   <TD colSpan=3 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>FEDERAL INSURANCE COMPANY</FONT></B></TD></TR>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>PASADENA, CA</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>91101</FONT></TD>

   <TD align=left>&nbsp;</TD>

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   <TD colSpan=3 align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Incorporated under the laws of Indiana</FONT></TD></TR>

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   <TD colSpan=3 align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>a stock insurance company herein called the COMPANY</FONT></TD></TR>

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   <TD colSpan=3 align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Capital Center, 251 North Illinois, Suite 1100</FONT></TD></TR>

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   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

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   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=3 align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Indianapolis, IN 46204-1927</FONT></TD></TR>

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   <TD align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>ITEM 1.</FONT></B></TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>BOND PERIOD: from</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>12:01 a.m. on</FONT></TD>

   <TD style="TEXT-INDENT: 3.6pt" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>May 15, 2016</FONT></TD>

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   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>to</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>12:01 a.m. on</FONT></TD>

   <TD style="TEXT-INDENT: 3.6pt" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>May 15, 2017</FONT></TD>

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   <TD align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>ITEM 2.</FONT></B></TD>

   <TD colSpan=6 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>LIMITS OF LIABILITY--DEDUCTIBLE AMOUNTS:</FONT></TD>

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   <TD colSpan=9 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>If &#8220;Not Covered&#8221; is inserted below opposite any specified INSURING CLAUSE, such INSURING CLAUSE and</FONT></TD></TR>

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   <TD colSpan=9 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>any other reference shall be deemed to be deleted. </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>There shall be no deductible applicable to any loss</FONT></B></TD></TR>

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   <TD colSpan=8 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>under INSURING CLAUSE 1. sustained by any Investment Company.</FONT></B></TD>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>SINGLE LOSS</FONT></TD>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>DEDUCTIBLE</FONT></TD></TR>

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   <TD style="BORDER-BOTTOM: #000000 1px solid; TEXT-INDENT: 5.4pt" colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>INSURING CLAUSE</FONT></TD>

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   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>LIMIT OF LIABILITY</FONT></TD>

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   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>1</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD style="TEXT-INDENT: 7.559pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Employee</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>750,000</FONT></TD>

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   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>0</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>2</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD style="TEXT-INDENT: 7.559pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>On Premises</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>750,000</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>10,000</FONT></TD></TR>

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   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>3</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD style="TEXT-INDENT: 7.559pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>In Transit</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>750,000</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>10,000</FONT></TD></TR>

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   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>4</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD style="TEXT-INDENT: 7.559pt" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Forgery or Alteration</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>750,000</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>10,000</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>5</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD style="TEXT-INDENT: 7.559pt" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Extended Forgery</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>750,000</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>10,000</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>6</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD style="TEXT-INDENT: 7.559pt" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Counterfeit Money</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>750,000</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>10,000</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>7</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD style="TEXT-INDENT: 7.559pt" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Threats to Person</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>750,000</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>10,000</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>8</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD style="TEXT-INDENT: 7.559pt" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Computer System</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>750,000</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>10,000</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>9</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD style="TEXT-INDENT: 7.559pt" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Voice Initiated Funds Transfer</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

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   <TD align=left>&nbsp;</TD>

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   <TD style="TEXT-INDENT: 7.559pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Instruction</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>750,000</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>10,000</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>10</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD style="TEXT-INDENT: 7.559pt" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Uncollectible Items of Deposit</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>25,000</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>10,000</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>11</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD style="TEXT-INDENT: 7.559pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Audit Expense</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>25,000</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>0</FONT></TD></TR>

<TR>

   <TD colSpan=10>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>ITEM 3.</FONT></B></TD>

   <TD colSpan=9 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>THE LIABILITY OF THE COMPANY IS ALSO SUBJECT TO THE TERMS OF THE FOLLOWING</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=7 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ENDORSEMENTS EXECUTED SIMULTANEOUSLY HEREWITH:</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=10>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>1-7</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

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   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=10>&nbsp;</TD></TR>

<TR>

   <TD colSpan=10>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD colSpan=10 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>IN WITNESS WHEREOF, THE COMPANY </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>has caused this Bond to be signed by its authorized officers, but it shall not be</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=8 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>valid unless also signed by an authorized representative of the Company.</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR></TABLE></DIV>

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<IMG border=0 src="p82302721_2016x2x1.jpg"> <BR>

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   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>ICAP Bond (5-98) - Federal</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Form 17-02-1421 (Ed. 5-98)</FONT></TD>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Page 1 of 1</FONT></TD></TR></TABLE></DIV>

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   <TD align=left>&nbsp;</TD>

   <TD colSpan=6 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The COMPANY, in consideration of payment of the required premium, and in reliance</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=6 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>on the APPLICATION and all other statements made and information furnished to the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=6 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>COMPANY by the ASSURED, and subject to the DECLARATIONS made a part of this</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=6 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Bond and to all other terms and conditions of this Bond, agrees to pay the ASSURED</FONT></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>for:</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD></TR>

<TR>

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<TR>

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<TR vAlign=bottom>

   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>Insuring Clauses</FONT></I></B></TD>

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<TR>

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<TR>

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   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Employee</FONT></I></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>1</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Loss resulting directly from </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Larceny </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Embezzlement </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>committed by any</FONT></TD></TR>

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   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=7 align=center><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>, alone or in collusion with others.</FONT></TD></TR>

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   <HR SIZE=1 noShade>

</TD></TR>

<TR>

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<TR>

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   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>On Premises</FONT></I></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>2</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Loss of </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>resulting directly from robbery, burglary, false pretenses,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>common law or statutory larceny, misplacement, mysterious unexplainable</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>disappearance, damage, destruction or removal, from the possession, custody or</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>control of the ASSURED, while such </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>is lodged or deposited at premises</FONT></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>located anywhere.</FONT></TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR>

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   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>In Transit</FONT></I></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>3</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Loss of </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>resulting directly from common law or statutory larceny,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>misplacement, mysterious unexplainable disappearance, damage or destruction,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>while the </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>is in transit anywhere:</FONT></TD></TR>

<TR>

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   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a.</FONT></TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>in an armored motor vehicle, including loading and unloading thereof,</FONT></TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

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   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>b.</FONT></TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>in the custody of a natural person acting as a messenger of the ASSURED,</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

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   <TD align=left>&nbsp;</TD>

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   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or</FONT></TD>

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<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>c.</FONT></TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>in the custody of a </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Transportation Company </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>and being transported in a</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>conveyance other than an armored motor vehicle provided, however, that</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

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   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=center><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>covered </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>transported in such manner is limited to the following:</FONT></TD></TR>

<TR>

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   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(1</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>written records,</FONT></TD></TR>

<TR>

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<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

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   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(2</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>securities issued in registered form, which are not endorsed or are</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=7 align=center><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>restrictively endorsed, or</FONT></TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(3</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>negotiable instruments not payable to bearer, which are not endorsed</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or are restrictively endorsed.</FONT></TD></TR>

<TR>

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<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

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   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Coverage under this INSURING CLAUSE begins immediately on the receipt of</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>such </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>by the natural person or </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Transportation Company </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>and ends</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>immediately on delivery to the premises of the addressee or to any representative</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>of the addressee located anywhere.</FONT></TD></TR></TABLE></DIV>

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<TR>

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   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>ICAP Bond (5-98)</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Form 17-02-1421 (Ed. 5-98)</FONT></TD>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Page 1 of 19</FONT></TD></TR></TABLE></DIV>

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   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>Insuring Clauses</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD>

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   <TD align=left>&nbsp;</TD>

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   <TD align=left>&nbsp;</TD></TR>

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   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>(continued)</FONT></I></TD>

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   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Forgery Or Alteration</FONT></I></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>4</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Loss resulting directly from:</FONT></TD></TR>

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   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a.</FONT></TD>

   <TD colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Forgery </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>on, or fraudulent material alteration of, any bills of exchange,</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

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   <TD colSpan=2 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>checks, drafts, acceptances, certificates of deposits, promissory notes, due</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>bills, money orders, orders upon public treasuries, letters of credit, other</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>written promises, orders or directions to pay sums certain in money, or</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>receipts for the withdrawal of </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>, or</FONT></TD></TR>

<TR>

   <TD colSpan=6>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>b.</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>transferring, paying or delivering any funds or other </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>, or establishing</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>any credit or giving any value in reliance on any written instructions, advices</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or applications directed to the ASSURED authorizing or acknowledging the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>transfer, payment, delivery or receipt of funds or other </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>, which</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>instructions, advices or applications fraudulently purport to bear the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>handwritten signature of any customer of the ASSURED, or shareholder or</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>subscriber to shares of an </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Investment Company</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>, or of any financial</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>institution or </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>but which instructions, advices or applications either</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>bear a </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Forgery </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or have been fraudulently materially altered without the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>knowledge and consent of such customer, shareholder, subscriber, financial</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>institution or </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>;</FONT></TD></TR>

<TR>

   <TD colSpan=6>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>excluding, however, under this INSURING CLAUSE any loss covered under</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>INSURING CLAUSE 5. of this Bond, whether or not coverage for INSURING</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>CLAUSE 5. is provided for in the DECLARATIONS of this Bond.</FONT></TD></TR>

<TR>

   <TD colSpan=6>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>For the purpose of this INSURING CLAUSE, a mechanically reproduced facsimile</FONT></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>signature is treated the same as a handwritten signature.</FONT></TD></TR>

<TR>

   <TD colSpan=6>&nbsp;</TD></TR>

<TR>

   <TD colSpan=6>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Extended Forgery</FONT></I></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>5</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Loss resulting directly from the ASSURED having, in good faith, and in the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ordinary course of business, for its own account or the account of others in any</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>capacity:</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=6>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a.</FONT></TD>

   <TD colSpan=2 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>acquired, accepted or received, sold or delivered, or given value, extended</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>credit or assumed liability, in reliance on any original </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Securities,</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>documents or other written instruments </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>which prove to:</FONT></TD></TR>

<TR>

   <TD colSpan=6>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(1)</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>bear a </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Forgery </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or a fraudulently material alteration,</FONT></TD></TR>

<TR>

   <TD colSpan=6>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(2)</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>have been lost or stolen, or</FONT></TD></TR>

<TR>

   <TD colSpan=6>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(3)</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>be </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Counterfeit</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>, or</FONT></TD></TR>

<TR>

   <TD colSpan=6>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>b.</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>guaranteed in writing or witnessed any signatures on any transfer,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>assignment, bill of sale, power of attorney, guarantee, endorsement or other</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>obligation upon or in connection with any </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Securities, documents or other</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>written instruments</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD></TR>

<TR>

   <TD colSpan=6>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Actual physical possession, and continued actual physical possession if taken as</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>collateral, of such </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Securities, documents or other written instruments </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>by an</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee, Custodian</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>, or a Federal or State chartered deposit institution of the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ASSURED is a condition precedent to the ASSURED having relied on such items.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Release or return of such collateral is an acknowledgment by the ASSURED that it</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>no longer relies on such collateral.</FONT></TD></TR></TABLE></DIV>

<P style="MARGIN: 0px">&nbsp;</P>

<DIV align=left>

<TABLE cellSpacing=0 border=0>



<TR>

   <TD width="55%"></TD>

   <TD width="44%"></TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>ICAP Bond (5-98)</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Form 17-02-1421 (Ed. 5-98)</FONT></TD>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Page 2 of 19</FONT></TD></TR></TABLE></DIV>

<P style="MARGIN: 0px">&nbsp;</P></DIV>

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<TR>

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<TR vAlign=bottom>

   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>Insuring Clauses</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Extended Forgery</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>For the purpose of this INSURING CLAUSE, a mechanically reproduced facsimile</FONT></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>(continued)</FONT></I></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>signature is treated the same as a handwritten signature.</FONT></TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Counterfeit Money</FONT></I></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>6</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Loss resulting directly from the receipt by the ASSURED in good faith of any</FONT></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=4 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Counterfeit </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>money.</FONT></TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Threats To Person</FONT></I></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>7</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Loss resulting directly from surrender of </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>away from an office of the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ASSURED as a result of a threat communicated to the ASSURED to do bodily</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>harm to an </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>as defined in SECTION 1.e. (1), (2) and (5), a </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Relative </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>invitee of such </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>, or a resident of the household of such </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>, who</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>is, or allegedly is, being held captive provided, however, that prior to the surrender</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>of such </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>:</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a.</FONT></TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>who receives the threat has made a reasonable effort to</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=center><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>notify an officer of the ASSURED who is not involved in such threat, and</FONT></TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>b.</FONT></TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the ASSURED has made a reasonable effort to notify the Federal Bureau of</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Investigation and local law enforcement authorities concerning such threat.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>It is agreed that for purposes of this INSURING CLAUSE, any </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>of the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ASSURED, as set forth in the preceding paragraph, shall be deemed to be an</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ASSURED hereunder, but only with respect to the surrender of money, securities</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>and other tangible personal property in which such </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>has a legal or</FONT></TD></TR>

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   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>equitable interest.</FONT></TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Computer System</FONT></I></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>8</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Loss resulting directly from fraudulent:</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a.</FONT></TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>entries of data into, or</FONT></TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>b.</FONT></TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>changes of data elements or programs within,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Computer System</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>, provided the fraudulent entry or change causes:</FONT></TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(1</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD align=center><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>funds or other property to be transferred, paid or delivered,</FONT></TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(2</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>an account of the ASSURED or of its customer to be added, deleted,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=7 align=center><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>debited or credited, or</FONT></TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(3</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>an unauthorized account or a fictitious account to be debited or</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>credited.</FONT></TD></TR></TABLE></DIV>

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   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>ICAP Bond (5-98)</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Form 17-02-1421 (Ed. 5-98)</FONT></TD>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Page 3 of 19</FONT></TD></TR></TABLE></DIV>

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   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>Insuring Clauses</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>(continued)</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

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   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Voice Initiated Funds</FONT></I></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>9</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Loss resulting directly from </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Voice Initiated Funds Transfer Instruction </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>directed</FONT></TD></TR>

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   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Transfer Instruction</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>to the ASSURED authorizing the transfer of dividends or redemption proceeds of</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Investment Company </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>shares from a </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Customer's </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>account, provided such </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Voice</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Initiated Funds Transfer Instruction </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>was:</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>received at the ASSURED'S offices by those </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employees </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>of the ASSURED</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>specifically authorized to receive the </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Voice Initiated Funds Transfer</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Instruction</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>,</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>b.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>made by a person purporting to be a </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Customer</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>, and</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>c.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>made by said person for the purpose of causing the ASSURED or </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Customer</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>to sustain a loss or making an improper personal financial gain for such</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>person or any other person.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>In order for coverage to apply under this INSURING CLAUSE, all </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Voice Initiated</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Funds Transfer Instructions </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>must be received and processed in accordance with</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the Designated Procedures outlined in the APPLICATION furnished to the</FONT></TD></TR>

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   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>COMPANY.</FONT></TD></TR>

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   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Uncollectible Items of</FONT></I></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>10</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Loss resulting directly from the ASSURED having credited an account of a</FONT></TD></TR>

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   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Deposit</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>customer, shareholder or subscriber on the faith of any </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Items of Deposit </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>which</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>prove to be uncollectible, provided that the crediting of such account causes:</FONT></TD></TR>

<TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>redemptions or withdrawals to be permitted,</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>b.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>shares to be issued, or</FONT></TD></TR>

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   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>c.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>dividends to be paid,</FONT></TD></TR>

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   <TD colSpan=5 align=center><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>from an account of an </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Investment Company</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>In order for coverage to apply under this INSURING CLAUSE, the ASSURED</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>must hold </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Items of Deposit </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>for the minimum number of days stated in the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>APPLICATION before permitting any redemptions or withdrawals, issuing any</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>shares or paying any dividends with respect to such </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Items of Deposit</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Items of Deposit </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>shall not be deemed uncollectible until the ASSURED'S</FONT></TD></TR>

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   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>standard collection procedures have failed.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

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   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Audit Expense</FONT></I></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>11</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Expense incurred by the ASSURED for that part of the cost of audits or</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>examinations required by any governmental regulatory authority or self-regulatory</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>organization to be conducted by such authority, organization or their appointee by</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>reason of the discovery of loss sustained by the ASSURED and covered by this</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Bond.</FONT></TD></TR></TABLE></DIV>

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   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>ICAP Bond (5-98)</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

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   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Form 17-02-1421 (Ed. 5-98)</FONT></TD>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Page 4 of 19</FONT></TD></TR></TABLE></DIV>

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   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>General Agreements</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Additional Companies</FONT></I></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>A.</FONT></TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>If more than one corporation, or </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Investment Company</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>, or any combination of</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Included As Assured</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>them is included as the ASSURED herein:</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(1</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The total liability of the COMPANY under this Bond for loss or losses</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>sustained by any one or more or all of them shall not exceed the limit for</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>which the COMPANY would be liable under this Bond if all such loss were</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>sustained by any one of them.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(2</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Only the first named ASSURED shall be deemed to be the sole agent of the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>others for all purposes under this Bond, including but not limited to the giving</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or receiving of any notice or proof required to be given and for the purpose of</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>effecting or accepting any amendments to or termination of this Bond. The</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>COMPANY shall furnish each </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Investment Company </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>with a copy of the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Bond and with any amendment thereto, together with a copy of each formal</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>filing of claim by any other named ASSURED and notification of the terms of</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the settlement of each such claim prior to the execution of such settlement.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(3</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The COMPANY shall not be responsible for the proper application of any</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>payment made hereunder to the first named ASSURED.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(4</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Knowledge possessed or discovery made by any partner, director, trustee,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>officer or supervisory employee of any ASSURED shall constitute knowledge</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or discovery by all the ASSUREDS for the purposes of this Bond.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(5</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>If the first named ASSURED ceases for any reason to be covered under this</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Bond, then the ASSURED next named on the APPLICATION shall thereafter</FONT></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>be considered as the first named ASSURED for the purposes of this Bond.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Representation Made By</FONT></I></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>B.</FONT></TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The ASSURED represents that all information it has furnished in the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Assured</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>APPLICATION for this Bond or otherwise is complete, true and correct. Such</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>APPLICATION and other information constitute part of this Bond.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The ASSURED must promptly notify the COMPANY of any change in any fact or</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>circumstance which materially affects the risk assumed by the COMPANY under</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>this Bond.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Any intentional misrepresentation, omission, concealment or incorrect statement of</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a material fact, in the APPLICATION or otherwise, shall be grounds for recision of</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>this Bond.</FONT></TD></TR></TABLE></DIV>

<P style="MARGIN: 0px">&nbsp;</P>

<DIV align=left>

<TABLE cellSpacing=0 border=0>



<TR>

   <TD width="55%"></TD>

   <TD width="44%"></TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>ICAP Bond (5-98)</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Form 17-02-1421 (Ed. 5-98)</FONT></TD>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Page 5 of 19</FONT></TD></TR></TABLE></DIV>

<P style="MARGIN: 0px">&nbsp;</P></DIV>

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<TR>

   <TD width="24%"></TD>

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   <TD width="62%"></TD></TR>

<TR vAlign=bottom>

   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>General Agreements</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>(continued)</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Additional Offices Or</FONT></I></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>C.</FONT></TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>If the ASSURED, other than an </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Investment Company</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>, while this Bond is in force,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Employees - Consolidation,</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>merges or consolidates with, or purchases or acquires assets or liabilities of</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Merger Or Purchase Or</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>another institution, the ASSURED shall not have the coverage afforded under this</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Acquisition Of Assets Or</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Bond for loss which has:</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Liabilities - Notice To</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(1</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>occurred or will occur on premises, or</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Company</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(2</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>been caused or will be caused by an employee, or</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(3</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>arisen or will arise out of the assets or liabilities,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>of such institution, unless the ASSURED:</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a.</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>gives the COMPANY written notice of the proposed consolidation, merger or</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>purchase or acquisition of assets or liabilities prior to the proposed effective</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>date of such action, and</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>b.</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>obtains the written consent of the COMPANY to extend some or all of the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>coverage provided by this Bond to such additional exposure, and</FONT></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>c.</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>on obtaining such consent, pays to the COMPANY an additional premium.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Change Of Control -</FONT></I></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>D.</FONT></TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>When the ASSURED learns of a change in control (other than in an </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Investment</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Notice To Company</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Company</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>), as set forth in Section 2(a) (9) of the Investment Company Act of</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>1940,</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the ASSURED shall within sixty (60) days give written notice to the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>COMPANY setting forth:</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(1</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the names of the transferors and transferees (or the names of the beneficial</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>owners if the voting securities are registered in another name),</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(2</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the total number of voting securities owned by the transferors and the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>transferees (or the beneficial owners), both immediately before and after the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>transfer, and</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(3</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the total number of outstanding voting securities.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Failure to give the required notice shall result in termination of coverage for any</FONT></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loss involving a transferee, to be effective on the date of such change in control.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Court Costs And</FONT></I></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>E.</FONT></TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The COMPANY will indemnify the ASSURED for court costs and reasonable</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Attorneys&#8217; Fees</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>attorneys' fees incurred and paid by the ASSURED in defense, whether or not</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>successful, whether or not fully litigated on the merits and whether or not settled,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>of any claim, suit or legal proceeding with respect to which the ASSURED would</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>be entitled to recovery under this Bond. However, with respect to INSURING</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>CLAUSE 1., this Section shall only apply in the event that:</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(1</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>an </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>admits to being guilty of </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Larceny or Embezzlement</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(2</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>an </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>is adjudicated to be guilty of </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Larceny or Embezzlement</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>, or</FONT></TD></TR></TABLE></DIV>

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   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>ICAP Bond (5-98)</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Form 17-02-1421 (Ed. 5-98)</FONT></TD>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Page 6 of 19</FONT></TD></TR></TABLE></DIV>

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   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>General Agreements</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=3>&nbsp;</TD></TR>

<TR>

   <TD colSpan=3>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Court Costs And</FONT></I></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(3)</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>in the absence of 1 or 2 above, an arbitration panel agrees, after a review of</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Attorneys&#8217; Fees</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>an agreed statement of facts between the COMPANY and the ASSURED,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>(continued)</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>that an </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>would be found guilty of </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Larceny or Embezzlement </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>if</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=3 align=center><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>such </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>were prosecuted.</FONT></TD></TR>

<TR>

   <TD colSpan=3>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The ASSURED shall promptly give notice to the COMPANY of any such suit or</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>legal proceeding and at the request of the COMPANY shall furnish copies of all</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>pleadings and pertinent papers to the COMPANY. The COMPANY may, at its</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>sole option, elect to conduct the defense of all or part of such legal proceeding.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The defense by the COMPANY shall be in the name of the ASSURED through</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>attorneys selected by the COMPANY. The ASSURED shall provide all reasonable</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>information and assistance as required by the COMPANY for such defense.</FONT></TD></TR>

<TR>

   <TD colSpan=3>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>If the COMPANY declines to defend the ASSURED, no settlement without the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>prior written consent of the COMPANY nor judgment against the ASSURED shall</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>determine the existence, extent or amount of coverage under this Bond.</FONT></TD></TR>

<TR>

   <TD colSpan=3>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>If the amount demanded in any such suit or legal proceeding is within the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>DEDUCTIBLE AMOUNT, if any, the COMPANY shall have no liability for court</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>costs and attorney's fees incurred in defending all or part of such suit or legal</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>proceeding.</FONT></TD></TR>

<TR>

   <TD colSpan=3>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>If the amount demanded in any such suit or legal proceeding is in excess of the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>LIMIT OF LIABILITY stated in ITEM 2. of the DECLARATIONS for the applicable</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>INSURING CLAUSE, the COMPANY'S liability for court costs and attorney's fees</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>incurred in defending all or part of such suit or legal proceedings is limited to the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>proportion of such court costs and attorney's fees incurred that the LIMIT OF</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>LIABILITY stated in ITEM 2. of the DECLARATIONS for the applicable INSURING</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>CLAUSE bears to the total of the amount demanded in such suit or legal</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>proceeding.</FONT></TD></TR>

<TR>

   <TD colSpan=3>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>If the amount demanded is any such suit or legal proceeding is in excess of the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>DEDUCTIBLE AMOUNT, if any, but within the LIMIT OF LIABILITY stated in ITEM</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>2.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>of the DECLARATIONS for the applicable INSURING CLAUSE, the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>COMPANY'S liability for court costs and attorney's fees incurred in defending all or</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>part of such suit or legal proceedings shall be limited to the proportion of such</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>court costs or attorney's fees that the amount demanded that would be payable</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>under this Bond after application of the DEDUCTIBLE AMOUNT, bears to the total</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>amount demanded.</FONT></TD></TR>

<TR>

   <TD colSpan=3>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Amounts paid by the COMPANY for court costs and attorneys' fees shall be in</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>addition to the LIMIT OF LIABILITY stated in ITEM 2. of the DECLARATIONS.</FONT></TD></TR></TABLE></DIV>

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   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>ICAP Bond (5-98)</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

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   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Form 17-02-1421 (Ed. 5-98)</FONT></TD>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Page 7 of 19</FONT></TD></TR></TABLE></DIV>

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   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>Conditions and</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

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   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>Limitations</FONT></I></B></TD>

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   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Definitions</FONT></I></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>1</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>As used in this Bond:</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a.</FONT></TD>

   <TD colSpan=3 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Computer System </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>means a computer and all input, output, processing,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>storage, off-line media libraries, and communication facilities which are</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>connected to the computer and which are under the control and supervision</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>of the operating system(s) or application(s) software used by the ASSURED.</FONT></TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>b.</FONT></TD>

   <TD colSpan=3 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Counterfeit </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>means an imitation of an actual valid original which is intended</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>to deceive and be taken as the original.</FONT></TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>c.</FONT></TD>

   <TD colSpan=3 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Custodian </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>means the institution designated by an </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Investment Company </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>to</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>maintain possession and control of its assets.</FONT></TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>d.</FONT></TD>

   <TD colSpan=3 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Customer </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>means an individual, corporate, partnership, trust customer,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>shareholder or subscriber of an </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Investment Company </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>which has a written</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>agreement with the ASSURED for </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Voice Initiated Funds Transfer</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Instruction</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>e.</FONT></TD>

   <TD colSpan=3 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>means:</FONT></TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(1</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>an officer of the ASSURED,</FONT></TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(2</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a natural person while in the regular service of the ASSURED at any of</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the ASSURED'S premises and compensated directly by the ASSURED</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>through its payroll system and subject to the United States Internal</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Revenue Service Form W-2 or equivalent income reporting plans of</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>other countries, and whom the ASSURED has the right to control and</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>direct both as to the result to be accomplished and details and means</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>by which such result is accomplished in the performance of such</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>service,</FONT></TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(3</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a guest student pursuing studies or performing duties in any of the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=7 align=center><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ASSURED'S premises,</FONT></TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(4</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>an attorney retained by the ASSURED and an employee of such</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>attorney while either is performing legal services for the ASSURED,</FONT></TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(5</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a natural person provided by an employment contractor to perform</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>employee duties for the ASSURED under the ASSURED'S supervision</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>at any of the ASSURED'S premises,</FONT></TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(6</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>an employee of an institution merged or consolidated with the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ASSURED prior to the effective date of this Bond,</FONT></TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(7</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a director or trustee of the ASSURED, but only while performing acts</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>within the scope of the customary and usual duties of any officer or</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>other employee of the ASSURED or while acting as a member of any</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>committee duly elected or appointed to examine or audit or have</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>custody of or access to </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>of the ASSURED, or</FONT></TD></TR></TABLE></DIV>

<P style="MARGIN: 0px">&nbsp;</P>

<DIV align=left>

<TABLE cellSpacing=0 border=0>



<TR>

   <TD width="55%"></TD>

   <TD width="44%"></TD></TR>

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   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>ICAP Bond (5-98)</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Form 17-02-1421 (Ed. 5-98)</FONT></TD>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Page 8 of 19</FONT></TD></TR></TABLE></DIV>

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   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>Conditions and</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>Limitations</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Definitions</FONT></I></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(8</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>each natural person, partnership or corporation authorized by written</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>(continued)</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>agreement with the ASSURED to perform services as electronic data</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>processor of checks or other accounting records related to such checks but</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>only while such person, partnership or corporation is actually performing</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>such services and not:</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>creating, preparing, modifying or maintaining the ASSURED'S</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>computer software or programs, or</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>b.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>acting as transfer agent or in any other agency capacity in issuing</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>checks, drafts or securities for the ASSURED,</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(9</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>any partner, officer or employee of an investment advisor, an underwriter</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(distributor), a transfer agent or shareholder accounting recordkeeper, or an</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>administrator, for an </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Investment Company </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>while performing acts coming</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>within the scope of the customary and usual duties of an officer or employee</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>of an </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Investment Company </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or acting as a member of any committee duly</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>elected or appointed to examine, audit or have custody of or access to</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>of </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>an Investment Company</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The term </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>shall not include any partner, officer or employee of a</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>transfer agent, shareholder accounting recordkeeper or administrator:</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>which is not an "affiliated person" (as defined in Section 2(a) of the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Investment Company Act of 1940) of an </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Investment Company </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or of</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the investment advisor or underwriter (distributor) of such </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Investment</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Company</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>, or</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>b.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>which is a "bank" (as defined in Section 2(a) of the Investment</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=5 align=center><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Company Act of 1940).</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>This Bond does not afford coverage in favor of the employers of</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>persons as set forth in e. (4), (5) and (8) above, and upon payment to</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the ASSURED by the COMPANY resulting directly from </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Larceny or</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Embezzlement </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>committed by any of the partners, officers or</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>employees of such employers, whether acting alone or in collusion with</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>others, an assignment of such of the ASSURED'S rights and causes of</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>action as it may have against such employers by reason of such acts</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>so committed shall, to the extent of such payment, be given by the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ASSURED to the COMPANY, and the ASSURED shall execute all</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>papers necessary to secure to the COMPANY the rights provided for</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>herein.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Each employer of persons as set forth in e.(4), (5) and (8) above and the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>partners, officers and other employees of such employers shall collectively</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>be deemed to be one person for all the purposes of this Bond; excepting,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>however, the fifth paragraph of Section 13.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Independent contractors not specified in e.(4), (5) or (8) above,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>intermediaries, agents, brokers or other representatives of the same general</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>character shall not be considered </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employees</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD></TR></TABLE></DIV>

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   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>ICAP Bond (5-98)</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Form 17-02-1421 (Ed. 5-98)</FONT></TD>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Page 9 of 19</FONT></TD></TR></TABLE></DIV>

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<TR>

   <TD width="23%"></TD>

   <TD width="10%"></TD>

   <TD width="65%"></TD></TR>

<TR vAlign=bottom>

   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>Conditions and</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>Limitations</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=3>&nbsp;</TD></TR>

<TR>

   <TD colSpan=3>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Definitions</FONT></I></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>f.</FONT></TD>

   <TD align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Forgery </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>means the signing of the name of another natural person with the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>(continued)</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>intent to deceive but does not mean a signature which consists in whole or in</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>part of one's own name, with or without authority, in any capacity for any</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>purpose.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>g.</FONT></TD>

   <TD align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Investment Company </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>means any investment company registered under the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Investment Company Act of 1940 and listed under the NAME OF ASSURED</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>on the DECLARATIONS.</FONT></TD></TR>

<TR>

   <TD colSpan=3>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>h.</FONT></TD>

   <TD align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Items of Deposit </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>means one or more checks or drafts drawn upon a</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>financial institution in the United States of America.</FONT></TD></TR>

<TR>

   <TD colSpan=3>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>i.</FONT></TD>

   <TD align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Larceny or Embezzlement </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>means larceny or embezzlement as defined in</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Section 37 of the Investment Company Act of 1940.</FONT></TD></TR>

<TR>

   <TD colSpan=3>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>j.</FONT></TD>

   <TD align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>means money, revenue and other stamps; securities; including any</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>note, stock, treasury stock, bond, debenture, evidence of indebtedness,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>certificate of deposit, certificate of interest or participation in any profit-</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>sharing agreement, collateral trust certificate, preorganization certificate or</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>subscription, transferable share, investment contract, voting trust certificate,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>certificate of deposit for a security, fractional undivided interest in oil, gas, or</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>other mineral rights, any interest or instruments commonly known as a</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>security under the Investment Company Act of 1940, any other certificate of</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>interest or participation in, temporary or interim certificate for, receipt for,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>guarantee of, or warrant or right to subscribe to or purchase any of the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>foregoing; bills of exchange; acceptances; checks; withdrawal orders; money</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>orders; travelers' letters of credit; bills of lading; abstracts of title; insurance</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>policies, deeds, mortgages on real estate and/or upon chattels and interests</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>therein; assignments of such policies, deeds or mortgages; other valuable</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>papers, including books of accounts and other records used by the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ASSURED in the conduct of its business (but excluding all electronic data</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>processing records); and, all other instruments similar to or in the nature of</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the foregoing in which the ASSURED acquired an interest at the time of the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ASSURED'S consolidation or merger with, or purchase of the principal</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>assets of, a predecessor or which are held by the ASSURED for any</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>purpose or in any capacity and whether so held gratuitously or not and</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>whether or not the ASSURED is liable therefor.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>k.</FONT></TD>

   <TD align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Relative </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>means the spouse of an </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or partner of the ASSURED</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>and any unmarried child supported wholly by, or living in the home of, such</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or partner and being related to them by blood, marriage or legal</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>guardianship.</FONT></TD></TR>

<TR>

   <TD colSpan=3>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>l.</FONT></TD>

   <TD align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Securities, documents or other written instruments </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>means original</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(including original counterparts) negotiable or non-negotiable instruments, or</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>assignments thereof, which in and of themselves represent an equitable</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>interest, ownership, or debt and which are in the ordinary course of business</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>transferable by delivery of such instruments with any necessary</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>endorsements or assignments.</FONT></TD></TR></TABLE></DIV>

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   <TD width="54%"></TD>

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   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>ICAP Bond (5-98)</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Form 17-02-1421 (Ed. 5-98)</FONT></TD>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Page 10 of 19</FONT></TD></TR></TABLE></DIV>

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   <TD width="2%"></TD>

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   <TD width="63%"></TD></TR>

<TR vAlign=bottom>

   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>Conditions and</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>Limitations</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

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   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Definitions</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>m.</FONT></TD>

   <TD align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Subsidiary </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>means any organization that, at the inception date of this Bond,</FONT></TD></TR>

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   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>(continued)</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>is named in the APPLICATION or is created during the BOND PERIOD and</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>of which more than fifty percent (50%) of the outstanding securities or voting</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>rights representing the present right to vote for election of directors is owned</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or controlled by the ASSURED either directly or through one or more of its</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>subsidiaries.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>n.</FONT></TD>

   <TD align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Transportation Company </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>means any organization which provides its own</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or its leased vehicles for transportation or which provides freight forwarding</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or air express services.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>o.</FONT></TD>

   <TD align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Voice Initiated Election </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>means any election concerning dividend options</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>available to </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Investment Company </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>shareholders or subscribers which is</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>requested by voice over the telephone.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>p.</FONT></TD>

   <TD align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Voice Initiated Redemption </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>means any redemption of shares issued by an</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Investment Company </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>which is requested by voice over the telephone.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>q.</FONT></TD>

   <TD align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Voice Initiated Funds Transfer Instruction </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>means any </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Voice Initiated</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Redemption </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Voice Initiated Election</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>For the purposes of these definitions, the singular includes the plural and the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>plural includes the singular, unless otherwise indicated.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>General Exclusions -</FONT></I></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>2</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>This bond does not directly or indirectly cover:</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Applicable to All Insuring</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a.</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loss not reported to the COMPANY in writing within sixty (60) days after</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Clauses</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>termination of this Bond as an entirety;</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>b.</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loss due to riot or civil commotion outside the United States of America and</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Canada, or any loss due to military, naval or usurped power, war or</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>insurrection. This Section 2.b., however, shall not apply to loss which occurs</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>in transit in the circumstances recited in INSURING CLAUSE 3., provided</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>that when such transit was initiated there was no knowledge on the part of</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>any person acting for the ASSURED of such riot, civil commotion, military,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>naval or usurped power, war or insurrection;</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>c.</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loss resulting from the effects of nuclear fission or fusion or radioactivity;</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>d.</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loss of potential income including, but not limited to, interest and dividends</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>not realized by the ASSURED or by any customer of the ASSURED;</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>e.</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>damages of any type for which the ASSURED is legally liable, except</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>compensatory damages, but not multiples thereof, arising from a loss</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>covered under this Bond;</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>f.</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>costs, fees and expenses incurred by the ASSURED in establishing the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>existence of or amount of loss under this Bond, except to the extent covered</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>under INSURING CLAUSE 11.;</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>g.</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loss resulting from indirect or consequential loss of any nature;</FONT></TD></TR></TABLE></DIV>

<P style="MARGIN: 0px">&nbsp;</P>

<DIV align=left>

<TABLE cellSpacing=0 border=0>



<TR>

   <TD width="54%"></TD>

   <TD width="45%"></TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>ICAP Bond (5-98)</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Form 17-02-1421 (Ed. 5-98)</FONT></TD>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Page 11 of 19</FONT></TD></TR></TABLE></DIV>

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<TR vAlign=bottom>

   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>Conditions and</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>Limitations</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=8>&nbsp;</TD></TR>

<TR>

   <TD colSpan=8>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>General Exclusions -</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>h.</FONT></TD>

   <TD colSpan=4 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loss resulting from dishonest acts by any member of the Board of Directors</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Applicable to All Insuring</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or Board of Trustees of the ASSURED who is not an </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>, acting</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Clauses</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>alone or in collusion with others;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>(continued)</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>i.</FONT></TD>

   <TD colSpan=4 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loss, or that part of any loss, resulting solely from any violation by the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=8 align=center><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ASSURED or by any </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>:</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(1</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>of any law regulating:</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the issuance, purchase or sale of securities,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>b.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>securities transactions on security or commodity exchanges or</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the over the counter market,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>c.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>investment companies,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>d.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>investment advisors, or</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(2</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>of any rule or regulation made pursuant to any such law; or</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>j.</FONT></TD>

   <TD colSpan=4 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loss of confidential information, material or data;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>k.</FONT></TD>

   <TD colSpan=4 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loss resulting from voice requests or instructions received over the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>telephone, provided however, this Section 2.k. shall not apply to INSURING</FONT></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=4 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>CLAUSE 7. or 9.</FONT></TD></TR>

<TR>

   <TD colSpan=8>&nbsp;</TD></TR>

<TR>

   <TD colSpan=8>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Specific Exclusions -</FONT></I></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>3</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=5 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>This Bond does not directly or indirectly cover:</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Applicable To All Insuring</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a.</FONT></TD>

   <TD colSpan=4 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loss caused by an </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>, provided, however, this Section 3.a. shall not</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Clauses Except Insuring</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>apply to loss covered under INSURING CLAUSE 2. or 3. which results</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Clause 1.</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>directly from misplacement, mysterious unexplainable disappearance, or</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=8 align=center><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>damage or destruction of </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>b.</FONT></TD>

   <TD colSpan=4 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loss through the surrender of property away from premises of the ASSURED</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>as a result of a threat:</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(1</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD colSpan=2 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>to do bodily harm to any natural person, except loss of </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>in</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>transit in the custody of any person acting as messenger of the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ASSURED, provided that when such transit was initiated there was no</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>knowledge by the ASSURED of any such threat, and provided further</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>that this Section 3.b. shall not apply to INSURING CLAUSE 7., or</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(2</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>to do damage to the premises or </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>of the ASSURED;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>c.</FONT></TD>

   <TD colSpan=4 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loss resulting from payments made or withdrawals from any account</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>involving erroneous credits to such account;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>d.</FONT></TD>

   <TD colSpan=4 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loss involving </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Items of Deposit </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>which are not finally paid for any reason</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>provided however, that this Section 3.d. shall not apply to INSURING</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=4 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>CLAUSE 10.;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>e.</FONT></TD>

   <TD colSpan=4 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loss of property while in the mail;</FONT></TD></TR></TABLE></DIV>

<P style="MARGIN: 0px">&nbsp;</P>

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<TABLE cellSpacing=0 border=0>



<TR>

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   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>ICAP Bond (5-98)</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Form 17-02-1421 (Ed. 5-98)</FONT></TD>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Page 12 of 19</FONT></TD></TR></TABLE></DIV>

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   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>Conditions and</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>Limitations</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=9>&nbsp;</TD></TR>

<TR>

   <TD colSpan=9>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Specific Exclusions -</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>f.</FONT></TD>

   <TD colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loss resulting from the failure for any reason of a financial or depository</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Applicable To All Insuring</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>institution, its receiver or other liquidator to pay or deliver funds or other</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Clauses Except Insuring</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=5 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>to the ASSURED provided further that this Section 3.f. shall not</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Clause 1.</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>apply to loss of </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>resulting directly from robbery, burglary,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>(continued)</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>misplacement,</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>mysterious</FONT></TD>

   <TD align=center><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>unexplainable</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>disappearance,</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>damage,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>destruction or removal from the possession, custody or control of the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ASSURED.</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>g.</FONT></TD>

   <TD colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loss of </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>while in the custody of a </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Transportation Company</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>provided however, that this Section 3.g. shall not apply to INSURING</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>CLAUSE 3.;</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>h.</FONT></TD>

   <TD colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loss resulting from entries or changes made by a natural person with</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>authorized access to a </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Computer System </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>who acts in good faith on</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>instructions, unless such instructions are given to that person by a software</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>contractor or its partner, officer, or employee authorized by the ASSURED to</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>design, develop, prepare, supply, service, write or implement programs for</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the ASSURED's </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Computer System</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>; or</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>i.</FONT></TD>

   <TD colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loss resulting directly or indirectly from the input of data into a </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Computer</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=5 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>System </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>terminal, either on the premises of the customer of the ASSURED</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or under the control of such a customer, by a customer or other person who</FONT></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>had authorized access to the customer's authentication mechanism.</FONT></TD></TR>

<TR>

   <TD colSpan=9>&nbsp;</TD></TR>

<TR>

   <TD colSpan=9>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Specific Exclusions -</FONT></I></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>4</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=4 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>This bond does not directly or indirectly cover:</FONT></B></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Applicable To All Insuring</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a.</FONT></TD>

   <TD colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loss resulting from the complete or partial non-payment of or default on any</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Clauses Except Insuring</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loan whether such loan was procured in good faith or through trick, artifice,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Clauses 1., 4., And 5.</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>fraud or false pretenses; provided, however, this Section 4.a. shall not apply</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>to INSURING CLAUSE 8.;</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=9>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>b.</FONT></TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loss resulting from forgery or any alteration;</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=9>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>c.</FONT></TD>

   <TD colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loss involving a counterfeit provided, however, this Section 4.c. shall not</FONT></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>apply to INSURING CLAUSE 5. or 6.</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=9>&nbsp;</TD></TR>

<TR>

   <TD colSpan=9>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Limit Of Liability/Non-</FONT></I></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>5</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=6 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>At all times prior to termination of this Bond, this Bond shall continue in force for</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Reduction And Non-</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=6 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the limit stated in the applicable sections of ITEM 2. of the DECLARATIONS,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Accumulation Of Liability</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=6 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>notwithstanding any previous loss for which the COMPANY may have paid or be</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=6 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>liable to pay under this Bond provided, however, that the liability of the COMPANY</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>under this Bond with respect to all loss resulting from:</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=9>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a.</FONT></TD>

   <TD colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>any one act of burglary, robbery or hold-up, or attempt thereat, in which no</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>is concerned or implicated, or</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=9>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>b.</FONT></TD>

   <TD colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>any one unintentional or negligent act on the part of any one person</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>resulting in damage to or destruction or misplacement of </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>, or</FONT></TD></TR>

<TR>

   <TD colSpan=9>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>c.</FONT></TD>

   <TD colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>all acts, other than those specified in a. above, of any one person, or</FONT></TD></TR></TABLE></DIV>

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<TABLE cellSpacing=0 border=0>



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   <TD width="54%"></TD>

   <TD width="45%"></TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>ICAP Bond (5-98)</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Form 17-02-1421 (Ed. 5-98)</FONT></TD>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Page 13 of 19</FONT></TD></TR></TABLE></DIV>

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<TR>

   <TD width="24%"></TD>

   <TD width="4%"></TD>

   <TD width="2%"></TD>

   <TD width="4%"></TD>

   <TD width="64%"></TD></TR>

<TR vAlign=bottom>

   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>Conditions and</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>Limitations</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Limit Of Liability/Non-</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>d.</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>any one casualty or event other than those specified in a., b., or c. above,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Reduction And Non-</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>shall be deemed to be one loss and shall be limited to the applicable LIMIT OF</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Accumulation Of Liability</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>LIABILITY stated in ITEM 2. of the DECLARATIONS of this Bond irrespective of</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>(continued)</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the total amount of such loss or losses and shall not be cumulative in amounts</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>from year to year or from period to period.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>All acts, as specified in c. above, of any one person which</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>i.</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>directly or indirectly aid in any way wrongful acts of any other person or</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>persons, or</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ii.</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>permit the continuation of wrongful acts of any other person or persons</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>whether such acts are committed with or without the knowledge of the wrongful</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>acts of the person so aided, and whether such acts are committed with or without</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the intent to aid such other person, shall be deemed to be one loss with the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>wrongful acts of all persons so aided.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Discovery</FONT></I></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>6</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>This Bond applies only to loss first discovered by an officer of the ASSURED</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>during the BOND PERIOD. Discovery occurs at the earlier of an officer of the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ASSURED being aware of:</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a.</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>facts which may subsequently result in a loss of a type covered by this Bond,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>b.</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>an actual or potential claim in which it is alleged that the ASSURED is liable</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>to a third party,</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>regardless of when the act or acts causing or contributing to such loss occurred,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>even though the amount of loss does not exceed the applicable DEDUCTIBLE</FONT></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>AMOUNT, or the exact amount or details of loss may not then be known.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Notice To Company -</FONT></I></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>7</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a.</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The ASSURED shall give the COMPANY notice thereof at the earliest</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Proof - Legal Proceedings</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>practicable moment, not to exceed sixty (60) days after discovery of loss, in</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Against Company</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>an amount that is in excess of 50% of the applicable DEDUCTIBLE</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>AMOUNT, as stated in ITEM 2. of the DECLARATIONS.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>b.</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The ASSURED shall furnish to the COMPANY proof of loss, duly sworn to,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>with full particulars within six (6) months after such discovery.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>c.</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Securities listed in a proof of loss shall be identified by certificate or bond</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>numbers, if issued with them.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>d.</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Legal proceedings for the recovery of any loss under this Bond shall not be</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>brought prior to the expiration of sixty (60) days after the proof of loss is filed</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>with the COMPANY or after the expiration of twenty-four (24) months from</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the discovery of such loss.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>e.</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>This Bond affords coverage only in favor of the ASSURED. No claim, suit,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>action or legal proceedings shall be brought under this Bond by anyone</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>other than the ASSURED.</FONT></TD></TR></TABLE></DIV>

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<TR>

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   <TD width="45%"></TD></TR>

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   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>ICAP Bond (5-98)</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Form 17-02-1421 (Ed. 5-98)</FONT></TD>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Page 14 of 19</FONT></TD></TR></TABLE></DIV>

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   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>Conditions and</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>Limitations</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Notice To Company -</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>f.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Proof of loss involving </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Voice Initiated Funds Transfer Instruction </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>shall</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Proof - Legal Proceedings</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>include electronic recordings of such instructions.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Against Company</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>(continued)</FONT></I></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Deductible Amount</FONT></I></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>8</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The COMPANY shall not be liable under any INSURING CLAUSES of this Bond</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>on account of loss unless the amount of such loss, after deducting the net amount</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>of all reimbursement and/or recovery obtained or made by the ASSURED, other</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>than from any Bond or policy of insurance issued by an insurance company and</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>covering such loss, or by the COMPANY on account thereof prior to payment by</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the COMPANY of such loss, shall exceed the DEDUCTIBLE AMOUNT set forth in</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ITEM 3. of the DECLARATIONS, and then for such excess only, but in no event</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>for more than the applicable LIMITS OF LIABILITY stated in ITEM 2. of the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>DECLARATIONS.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>There shall be no deductible applicable to any loss under INSURING CLAUSE 1.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>sustained by any </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Investment Company</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Valuation</FONT></I></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>9</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>BOOKS OF ACCOUNT OR OTHER RECORDS</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The value of any loss of </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>consisting of books of account or other records</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>used by the ASSURED in the conduct of its business shall be the amount paid by</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the ASSURED for blank books, blank pages, or other materials which replace the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>lost books of account or other records, plus the cost of labor paid by the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ASSURED for the actual transcription or copying of data to reproduce such books</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>of account or other records.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The value of any loss of </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>other than books of account or other records</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>used by the ASSURED in the conduct of its business, for which a claim is made</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>shall be determined by the average market value of such </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>on the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>business day immediately preceding discovery of such loss provided, however,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>that the value of any </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>replaced by the ASSURED with the consent of the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>COMPANY and prior to the settlement of any claim for such </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>shall be the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=5 align=center><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>actual market value at the time of replacement.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>In the case of a loss of interim certificates, warrants, rights or other securities, the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>production of which is necessary to the exercise of subscription, conversion,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>redemption or deposit privileges, the value of them shall be the market value of</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>such privileges immediately preceding their expiration if said loss is not discovered</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>until after their expiration. If no market price is quoted for such </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or for</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>such privileges, the value shall be fixed by agreement between the parties.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>OTHER PROPERTY</FONT></B></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The value of any loss of </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>, other than as stated above, shall be the actual</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>cash value or the cost of repairing or replacing such </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>with </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>of</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>like quality and value, whichever is less.</FONT></TD></TR></TABLE></DIV>

<P style="MARGIN: 0px">&nbsp;</P>

<DIV align=left>

<TABLE cellSpacing=0 border=0>



<TR>

   <TD width="54%"></TD>

   <TD width="45%"></TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>ICAP Bond (5-98)</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Form 17-02-1421 (Ed. 5-98)</FONT></TD>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Page 15 of 19</FONT></TD></TR></TABLE></DIV>

<P style="MARGIN: 0px">&nbsp;</P></DIV>

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<DIV style="PAGE-BREAK-BEFORE: always">&nbsp;</DIV>

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<TABLE cellSpacing=0 border=0>



<TR>

   <TD width="22%"></TD>

   <TD width="6%"></TD>

   <TD width="2%"></TD>

   <TD width="4%"></TD>

   <TD width="64%"></TD></TR>

<TR vAlign=bottom>

   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>Conditions and</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>Limitations</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>(continued)</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Securities Settlement</FONT></I></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>10</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>In the event of a loss of securities covered under this Bond, the COMPANY may,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>at its sole discretion, purchase replacement securities, tender the value of the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>securities in money, or issue its indemnity to effect replacement securities.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The indemnity required from the ASSURED under the terms of this Section</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>against all loss, cost or expense arising from the replacement of securities by the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>COMPANY'S indemnity shall be:</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>for securities having a value less than or equal to the applicable</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>DEDUCTIBLE AMOUNT - one hundred (100%) percent;</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>b.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>for securities having a value in excess of the DEDUCTIBLE AMOUNT but</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>within the applicable LIMIT OF LIABILITY - the percentage that the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>DEDUCTIBLE AMOUNT bears to the value of the securities;</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>c.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>for securities having a value greater than the applicable LIMIT OF LIABILITY</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>- the percentage that the DEDUCTIBLE AMOUNT and portion in excess of</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=center><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the applicable LIMIT OF LIABILITY bears to the value of the securities.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The value referred to in Section 10.a., b., and c. is the value in accordance with</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Section 9, Valuation, regardless of the value of such securities at the time the loss</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=5 align=center><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>under the COMPANY'S indemnity is sustained.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The COMPANY is not required to issue its indemnity for any portion of a loss of</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>securities which is not covered by this Bond; however, the COMPANY may do so</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>as a courtesy to the ASSURED and at its sole discretion.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The ASSURED shall pay the proportion of the Company's premium charge for the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Company's indemnity as set forth in Section 10.a., b., and c. No portion of the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>LIMIT OF LIABILITY shall be used as payment of premium for any indemnity</FONT></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>purchased by the ASSURED to obtain replacement securities.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Subrogation - Assignment </FONT></I><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>&#8211; </FONT></I><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>11.</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>In the event of a payment under this Bond, the COMPANY shall be subrogated to</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Recovery</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>all of the ASSURED'S rights of recovery against any person or entity to the extent</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>of such payment. On request, the ASSURED shall deliver to the COMPANY an</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>assignment of the ASSURED'S rights, title and interest and causes of action</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>against any person or entity to the extent of such payment.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Recoveries, whether effected by the COMPANY or by the ASSURED, shall be</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>applied net of the expense of such recovery in the following order:</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>first, to the satisfaction of the ASSURED'S loss which would otherwise have</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>been paid but for the fact that it is in excess of the applicable LIMIT OF</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>LIABILITY,</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>b.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>second, to the COMPANY in satisfaction of amounts paid in settlement of</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the ASSURED'S claim,</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>c.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>third, to the ASSURED in satisfaction of the applicable DEDUCTIBLE</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>AMOUNT, and</FONT></TD></TR></TABLE></DIV>

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<TABLE cellSpacing=0 border=0>



<TR>

   <TD width="54%"></TD>

   <TD width="45%"></TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>ICAP Bond (5-98)</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Form 17-02-1421 (Ed. 5-98)</FONT></TD>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Page 16 of 19</FONT></TD></TR></TABLE></DIV>

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<TR>

   <TD width="25%"></TD>

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   <TD width="64%"></TD></TR>

<TR vAlign=bottom>

   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>Conditions and</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>Limitations</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Subrogation - Assignment </FONT></I><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>&#8211;</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>d.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>fourth, to the ASSURED in satisfaction of any loss suffered by the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Recovery</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ASSURED which was not covered under this Bond.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>(continued)</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Recovery from reinsurance or indemnity of the COMPANY shall not be deemed a</FONT></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>recovery under this section.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Cooperation Of Assured</FONT></I></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>12</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>At the COMPANY'S request and at reasonable times and places designated by</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the COMPANY, the ASSURED shall:</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>submit to examination by the COMPANY and subscribe to the same under</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>oath,</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>b.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>produce for the COMPANY'S examination all pertinent records, and</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>c.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>cooperate with the COMPANY in all matters pertaining to the loss.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The ASSURED shall execute all papers and render assistance to secure to the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>COMPANY the rights and causes of action provided for under this Bond. The</FONT></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ASSURED shall do nothing after loss to prejudice such rights or causes of action.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Termination</FONT></I></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>13</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>If the Bond is for a sole ASSURED, it shall not be terminated unless written notice</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>shall have been given by the acting party to the affected party and to the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Securities and Exchange Commission, Washington, D.C., not less than sixty (60)</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>days prior to the effective date of such termination.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>If the Bond is for a joint ASSURED, it shall not be terminated unless written notice</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>shall have been given by the acting party to the affected party, and by the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>COMPANY to all ASSURED </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Investment Companies </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>and to the Securities and</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Exchange Commission, Washington, D.C., not less than sixty (60) days prior to</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the effective date of such termination.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>This Bond will terminate as to any one ASSURED, other than an </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Investment</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Company</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>:</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>immediately on the taking over of such ASSURED by a receiver or other</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>liquidator or by State or Federal officials, or</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>b.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>immediately on the filing of a petition under any State or Federal statute</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>relative to bankruptcy or reorganization of the ASSURED, or assignment for</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the benefit of creditors of the ASSURED, or</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>c.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>immediately upon such ASSURED ceasing to exist, whether through merger</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>into another entity, disposition of all of its assets or otherwise.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The COMPANY shall refund the unearned premium computed at short rates in</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>accordance with the standard short rate cancellation tables if terminated by the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ASSURED or pro rata if terminated for any other reason.</FONT></TD></TR></TABLE></DIV>

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<TR>

   <TD width="54%"></TD>

   <TD width="45%"></TD></TR>

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   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>ICAP Bond (5-98)</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Form 17-02-1421 (Ed. 5-98)</FONT></TD>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Page 17 of 19</FONT></TD></TR></TABLE></DIV>

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   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>Conditions and</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

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   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>Limitations</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

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   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Termination</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>If any partner, director, trustee, or officer or supervisory employee of an</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>(continued)</FONT></I></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ASSURED not acting in collusion with an </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>learns of any dishonest act</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>committed by such </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>at any time, whether in the employment of the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ASSURED or otherwise, whether or not such act is of the type covered under this</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Bond, and whether against the ASSURED or any other person or entity, the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ASSURED:</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

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   <TD align=left>&nbsp;</TD>

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   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>shall immediately remove such </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>from a position that would enable</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>such </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>to cause the ASSURED to suffer a loss covered by this</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Bond; and</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>b.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>within forty-eight (48) hours of learning that an </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>has committed</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>any dishonest act, shall notify the COMPANY, of such action and provide full</FONT></TD></TR>

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   <TD colSpan=5 align=center><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>particulars of such dishonest act.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The COMPANY may terminate coverage as respects any </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>sixty (60)</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>days after written notice is received by each ASSURED </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Investment Company</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>and the Securities and Exchange Commission, Washington, D.C. of its desire to</FONT></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>terminate this Bond as to such </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Employee</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

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   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Other Insurance</FONT></I></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>14</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Coverage under this Bond shall apply only as excess over any valid and collectible</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>insurance, indemnity or suretyship obtained by or on behalf of:</FONT></TD></TR>

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   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the ASSURED,</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>b.</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Transportation Company</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>, or</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>c.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>another entity on whose premises the loss occurred or which employed the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>person causing the loss or engaged the messenger conveying the </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Property</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>involved.</FONT></TD></TR>

<TR>

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<TR>

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   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Conformity</FONT></I></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>15</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>If any limitation within this Bond is prohibited by any law controlling this Bond's</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>construction, such limitation shall be deemed to be amended so as to equal the</FONT></TD></TR>

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   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>minimum period of limitation provided by such law.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

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   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Change or Modification</FONT></I></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>16</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>This Bond or any instrument amending or affecting this Bond may not be changed</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or modified orally. No change in or modification of this Bond shall be effective</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>except when made by written endorsement to this Bond signed by an authorized</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>representative of the COMPANY.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>If this Bond is for a sole ASSURED, no change or modification which would</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>adversely affect the rights of the ASSURED shall be effective prior to sixty (60)</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>days after written notice has been furnished to the Securities and Exchange</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Commission, Washington, D.C., by the acting party.</FONT></TD></TR></TABLE></DIV>

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   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>ICAP Bond (5-98)</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Form 17-02-1421 (Ed. 5-98)</FONT></TD>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Page 18 of 19</FONT></TD></TR></TABLE></DIV>

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   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>Conditions And</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><B><I><FONT size=3 face=Arial,BoldItalic,Arial,Helvetica,sans-serif>Limitations</FONT></I></B></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=2>&nbsp;</TD></TR>

<TR>

   <TD colSpan=2>&nbsp;</TD></TR>

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   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>Change or Modification</FONT></I></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>If this Bond is for a joint ASSURED, no charge or modification which would</FONT></TD></TR>

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   <TD align=left><I><FONT size=2 face=Arial,Italic,Arial,Helvetica,sans-serif>(continued)</FONT></I></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>adversely affect the rights of the ASSURED shall be effective prior to sixty (60)</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>days after written notice has been furnished to all insured </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Investment Companies</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>and to the Securities and Exchange Commission, Washington, D.C., by the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>COMPANY.</FONT></TD></TR></TABLE></DIV>

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   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>ICAP Bond (5-98)</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Form 17-02-1421 (Ed. 5-98)</FONT></TD>

   <TD align=left><FONT size=1 face=Arial,Arial,Helvetica,sans-serif>Page 19 of 19</FONT></TD></TR></TABLE></DIV>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>ENDORSEMENT/RIDER</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Effective date of</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>this endorsement/rider: May 15, 2016</FONT></TD>

   <TD style="TEXT-INDENT: 38.159pt" colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>FEDERAL INSURANCE COMPANY</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD style="TEXT-INDENT: 38.159pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Endorsement/Rider No.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>1</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD style="TEXT-INDENT: 38.159pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>To be attached to and</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD style="TEXT-INDENT: 38.159pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>form a part of Bond No.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>82302721</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

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   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=5 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Issued to: FLAHERTY &amp; CRUMRINE TOTAL RETURN FUND INCORPORATED</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD style="TEXT-INDENT: 0.96pt" colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>DELETING VALUATION-OTHER PROPERTY AND AMENDING CHANGE OR MODIFICATION</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=5 align=center><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ENDORSEMENT</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=5 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>In consideration of the premium charged, it is agreed that this Bond is amended as follows:</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>1</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The paragraph titled Other Property in Section 9, Valuation, is deleted in its entirety.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>2</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The third paragraph in Section 16, Change or Modification, is deleted in its entirety and replaced with</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the following:</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>If this Bond is for a joint ASSURED, no change or modification which would adversely affect the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>rights of the ASSURED shall be effective prior to sixty (60) days after written notice has been</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>furnished to all insured </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Investment Companies </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>and the Securities and Exchange Commission,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Washington, D.C., by the COMPANY.</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD colSpan=5 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The title and any headings in this endorsement/rider are solely for convenience and form no part of the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>terms and conditions of coverage.</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>All other terms, conditions and limitations of this Bond shall remain unchanged.</FONT></TD>

   <TD align=left>&nbsp;</TD></TR></TABLE></DIV>

<P style="MARGIN: 0px">&nbsp;</P>

<P align=center>
<IMG border=0 src="p82302721_2016x22x1.jpg" align=middle> </P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>17-02-2437 (12/2006) rev.</FONT></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Page 1</FONT></P></DIV>

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<TR>

   <TD width="39%"></TD>

   <TD width="60%"></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD style="TEXT-INDENT: 147.17pt" align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>ENDORSEMENT/RIDER</FONT></B></TD></TR>

<TR>

   <TD colSpan=2>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Effective date of</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>this endorsement/rider: May 15, 2016</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>FEDERAL INSURANCE COMPANY</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Endorsement/Rider No. 2</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>To be attached to and</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>form a part of Policy No. 82302721</FONT></TD></TR>

<TR>

   <TD colSpan=2>&nbsp;</TD></TR>

<TR>

   <TD colSpan=2>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Issued to: FLAHERTY &amp; CRUMRINE TOTAL RETURN FUND INCORPORATED</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=center><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>COMPLIANCE WITH APPLICABLE TRADE SANCTION LAWS</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>It is agreed that this insurance does not apply to the extent that trade or economic sanctions or other similar laws or</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>regulations prohibit the coverage provided by this insurance.</FONT></TD></TR>

<TR>

   <TD colSpan=2>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The title and any headings in this endorsement/rider are solely for convenience and form no part of the terms and</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>conditions of coverage.</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>All other terms, conditions and limitations of this Policy shall remain unchanged.</FONT></TD></TR></TABLE></DIV>

<P style="MARGIN: 0px">&nbsp;</P>

<P align=center>
<IMG border=0 src="p82302721_2016x22x1.jpg" align=middle> </P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>14-02-9228 (2/2010)</FONT></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Page 1</FONT></P></DIV>

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   <TD width="67%"></TD>

   <TD width="26%"></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD style="TEXT-INDENT: 235.846pt" colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>FEDERAL INSURANCE COMPANY</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD style="TEXT-INDENT: 235.846pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Endorsement No:</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>3</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD style="TEXT-INDENT: 235.846pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Bond Number:</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>82302721</FONT></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>NAME OF ASSURED: FLAHERTY &amp; CRUMRINE TOTAL RETURN FUND INCORPORATED</FONT></TD></TR>

<TR>

   <TD colSpan=4>&nbsp;</TD></TR>

<TR>

   <TD colSpan=4>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD colSpan=4 align=center><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>PREMIUM ENDORSEMENT</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>It is agreed that:</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>1</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The premium for this Bond for the period May 15, 2016 to May 15, 2017 is:</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Premium: Two thousand one hundred eighty five dollars and 00/100 ($2,185.00)</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>2</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>It is further agreed that this premium is subject to change during this period if amendments are made to</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>this Bond at the request of the ASSURED.</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=4>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>This Endorsement applies to loss discovered after 12:01 a.m. on May 15, 2016.</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ALL OTHER TERMS AND CONDITIONS OF THIS BOND REMAIN UNCHANGED.</FONT></TD></TR></TABLE></DIV>

<P style="MARGIN: 0px">&nbsp;</P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Date: April 20, 2016</FONT></P>

<P align=center>
<IMG border=0 src="p82302721_2016x24x1.jpg"></P><BR>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ICAP Bond</FONT></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Form 17-02-0735 (Rev. 1-97)</FONT></P></DIV>

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   <TD width="37%"></TD>

   <TD width="28%"></TD>

   <TD width="30%"></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=right><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>ENDORSEMENT/RIDER</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Effective date of</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>this endorsement/rider: May 15, 2016</FONT></TD>

   <TD colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>FEDERAL INSURANCE COMPANY</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Endorsement/Rider No.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>4</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>To be attached to and</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>form a part of Bond No.</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>82302721</FONT></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Issued to: FLAHERTY &amp; CRUMRINE TOTAL RETURN FUND INCORPORATED</FONT></TD></TR>

<TR>

   <TD colSpan=4>&nbsp;</TD></TR>

<TR>

   <TD colSpan=4>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD colSpan=4 align=center><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>AUTOMATIC INCREASE IN LIMITS ENDORSEMENT</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>In consideration of the premium charged, it is agreed that GENERAL AGREEMENTS, Section C. Additional</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Offices Or Employees-Consolidation, Merger Or Purchase Or Acquisition Of Assets Or Liabilities-Notice To</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Company, is amended by adding the following subsection:</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Automatic Increase in Limits for Investment Companies</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>If an increase in bonding limits is required pursuant to rule 17g-</FONT><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>1 of the Investment Company Act of 1940 (&#8220;the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Act&#8221;), due to:</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(i)</FONT></TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the creation of a new </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Investment Company</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>, other than by consolidation or merger with, or purchase or</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>acquisition of assets or liabilities of, another institution; or</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(ii)</FONT></TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>an increase in asset size of current </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Investment Companies </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>covered under this Bond,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>then the minimum required increase in limits shall take place automatically without payment of additional</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>premium for the remainder of the BOND PERIOD.</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=4>&nbsp;</TD></TR>

<TR>

   <TD colSpan=4>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The title and any headings in this endorsement/rider are solely for convenience and form no part of the terms</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>and conditions of coverage.</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=4>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>All other terms, conditions and limitations of this Bond shall remain unchanged.</FONT></TD></TR></TABLE></DIV>

<P style="MARGIN: 0px">&nbsp;</P>

<P align=center>
<IMG border=0 src="p82302721_2016x22x1.jpg" align=middle> </P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>14-02-14098 (04/2008)</FONT></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Page 1</FONT></P></DIV>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD style="TEXT-INDENT: 5.76pt" align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>ENDORSEMENT/RIDER</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Effective date of</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>this endorsement/rider: May 15, 2016</FONT></TD>

   <TD colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>FEDERAL INSURANCE COMPANY</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Endorsement/Rider No.</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>5</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>To be attached to and</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>form a part of Bond No.</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>82302721</FONT></TD></TR>

<TR>

   <TD colSpan=3>&nbsp;</TD></TR>

<TR>

   <TD colSpan=3>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Issued to: FLAHERTY &amp; CRUMRINE TOTAL RETURN FUND INCORPORATED</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=3 align=center><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>PRO RATA CANCELLATION ENDORSEMENT</FONT></TD></TR>

<TR>

   <TD colSpan=3>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>In consideration of the premium charged, it is agreed that, notwithstanding anything to the contrary in the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>policy or any endorsements thereto, in the event that this policy is cancelled, any premium refund due to</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the insured shall be computed on a pro rata basis. However, the refund may be less than pro rata if the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>insurer has made a loan to the insured for the purpose of payment of premiums for this policy.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The cancellation will be effective even if a refund has not been made or offered.</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=3>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The title and any headings in this endorsement/rider are solely for convenience and form no part of the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>terms and conditions of coverage.</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>All other terms, conditions and limitations of this Bond shall remain unchanged.</FONT></TD>

   <TD align=left>&nbsp;</TD></TR></TABLE></DIV>

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<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>14-02-19726 (01/2013)</FONT></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Page 1</FONT></P></DIV>

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   <TD style="TEXT-INDENT: 169.25pt" colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>FEDERAL INSURANCE COMPANY</FONT></B></TD></TR>

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   <TD style="TEXT-INDENT: 169.25pt" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Endorsement No.: 6</FONT></TD></TR>

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   <TD style="TEXT-INDENT: 169.25pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Bond Number:</FONT></TD>

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   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=7 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>NAME OF ASSURED: FLAHERTY &amp; CRUMRINE TOTAL RETURN FUND INCORPORATED</FONT></TD></TR>

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   <TD colSpan=7 align=center><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>EXTENDED COMPUTER SYSTEMS ENDORSEMENT</FONT></B></TD></TR>

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   <TD colSpan=6 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>It is agreed that this Bond is amended as follows:</FONT></TD>

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   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>1</FONT></TD>

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   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>By adding the following INSURING CLAUSE:</FONT></TD>

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   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>12. Extended Computer Systems</FONT></TD>

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   <TD style="TEXT-INDENT: 25.195pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>A.</FONT></TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Electronic Data, Electronic Media, Electronic Instruction</FONT></TD>

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   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Loss resulting directly from:</FONT></TD>

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   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(1</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>)</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the fraudulent modification of </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Data, Electronic Media </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic</FONT></B></TD></TR>

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   <TD colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Instruction </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>being stored within or being run within any system covered under this</FONT></TD></TR>

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   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>INSURING CLAUSE,</FONT></TD>

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   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(2</FONT></TD>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>robbery, burglary, larceny or theft of </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Data, Electronic Media </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or</FONT></TD></TR>

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   <TD align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Instructions</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>,</FONT></TD>

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   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(3</FONT></TD>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the acts of a hacker causing damage or destruction of </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Data, Electronic</FONT></B></TD></TR>

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   <TD colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Media </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Instruction </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>owned by the ASSURED or for which the</FONT></TD></TR>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ASSURED is legally liable, while stored within a </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Computer System </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>covered under</FONT></TD></TR>

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   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>this INSURING CLAUSE, or</FONT></TD>

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   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(4</FONT></TD>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the damage or destruction of </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Data, Electronic Media </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic</FONT></B></TD></TR>

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   <TD colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Instruction </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>owned by the ASSURED or for which the ASSURED is legally liable</FONT></TD></TR>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>while stored within a </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Computer System </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>covered under INSURING CLAUSE 12,</FONT></TD></TR>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>provided such damage or destruction was caused by a computer program or</FONT></TD></TR>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>similar instruction which was written or altered to intentionally incorporate a hidden</FONT></TD></TR>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>instruction designed to damage or destroy </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Data, Electronic Media</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>, or</FONT></TD></TR>

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   <TD colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Instruction </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>in the </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Computer System </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>in which the computer program</FONT></TD></TR>

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   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or instruction so written or so altered is used.</FONT></TD>

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   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ICAP2 Bond</FONT></TD>

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   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Form 17-02-2976 (Ed. 1-02)</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Page 1</FONT></TD></TR></TABLE></DIV>

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   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>B.</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Electronic Communication</FONT></TD></TR>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Loss resulting directly from the ASSURED having transferred, paid or delivered any</FONT></TD></TR>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>funds or property, established any credit, debited any account or given any value on the</FONT></TD></TR>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>faith of any electronic communications directed to the ASSURED, which were</FONT></TD></TR>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>transmitted or appear to have been transmitted through:</FONT></TD></TR>

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   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(1)</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>an </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Communication System</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>,</FONT></TD></TR>

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   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(2)</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>an automated clearing house or custodian, or</FONT></TD></TR>

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   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(3)</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a Telex, TWX, or similar means of communication,</FONT></TD></TR>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>directly into the ASSURED'S </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Computer System </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Communication Terminal</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>, and</FONT></TD></TR>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>fraudulently purport to have been sent by a customer, automated clearing house,</FONT></TD></TR>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>custodian, or financial institution, but which communications were either not sent by said</FONT></TD></TR>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>customer, automated clearing house, custodian, or financial institution, or were</FONT></TD></TR>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>fraudulently modified during physical transit of </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Media </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>to the ASSURED or</FONT></TD></TR>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>during electronic transmission to the ASSURED'S </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Computer System </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or</FONT></TD></TR>

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   <TD colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Communication Terminal</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD></TR>

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   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>C.</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Electronic Transmission</FONT></TD></TR>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Loss resulting directly from a customer of the ASSURED, any automated clearing house,</FONT></TD></TR>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>custodian, or financial institution having transferred, paid or delivered any funds or property,</FONT></TD></TR>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>established any credit, debited any account or given any value on the faith of any electronic</FONT></TD></TR>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>communications, purporting to have been directed by the ASSURED to such customer,</FONT></TD></TR>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>automated clearing house, custodian, or financial institution initiating, authorizing, or</FONT></TD></TR>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>acknowledging, the transfer, payment, delivery or receipt of funds or property, which</FONT></TD></TR>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>communications were transmitted through:</FONT></TD></TR>

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   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(1)</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>an </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Communication System</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>,</FONT></TD></TR>

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   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(2)</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>an automated clearing house or custodian, or</FONT></TD></TR>

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   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(3)</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a Telex, TWX, or similar means of communication,</FONT></TD></TR>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>directly into a </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Computer System </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Communication Terminal </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>of said customer,</FONT></TD></TR>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>automated clearing house, custodian, or financial institution, and fraudulently purport to</FONT></TD></TR>

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   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>have been directed by the ASSURED, but which communications were either not sent by</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the ASSURED, or were fraudulently modified during physical transit of </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Media</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>from the ASSURED or during electronic transmission from the ASSURED'S </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Computer</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>System </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Communication Terminal</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>, and for which loss the ASSURED is held to be</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>legally liable.</FONT></TD></TR></TABLE></DIV>

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   <TD width="39%"></TD></TR>

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   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ICAP2 Bond</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Form 17-02-2976 (Ed. 1-02)</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Page 2</FONT></TD></TR></TABLE></DIV>

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<TR>

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   <TD width="82%"></TD></TR>

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   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>2</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>By adding to Section 1., Definitions, the following:</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>r.</FONT></TD>

   <TD colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Communication Terminal </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>means a teletype, teleprinter or video display terminal, or similar</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>device capable of sending or receiving information electronically. </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Communication Terminal</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>does not mean a telephone.</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>s.</FONT></TD>

   <TD colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Communication System </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>means electronic communication operations by Fedwire,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Clearing House Interbank Payment System (CHIPS), Society of Worldwide International</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Financial Telecommunication (SWIFT), similar automated interbank communication systems,</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>and Internet access facilities.</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>t.</FONT></TD>

   <TD colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Data </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>means facts or information converted to a form usable in </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Computer</FONT></B></TD></TR>

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   <TD colSpan=5 align=center><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Systems </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>and which is stored on </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Media </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>for use by computer programs.</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>u.</FONT></TD>

   <TD colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Instruction </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>means computer programs converted to a form usable in a </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Computer</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>System </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>to act upon </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Data</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>v.</FONT></TD>

   <TD colSpan=2 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Media </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>means the magnetic tape, magnetic disk, optical disk, or any other bulk</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>media on which data is recorded.</FONT></TD></TR>

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   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>3</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD colSpan=3 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>By adding the following Section after Section 4., Specific Exclusions-Applicable to All INSURING</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>CLAUSES except 1., 4., and 5.:</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Section 4.A. Specific Exclusions-Applicable to INSURING CLAUSE 12</FONT></TD></TR>

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   <TD colSpan=5>&nbsp;</TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>This Bond does not directly or indirectly cover:</FONT></B></TD></TR>

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   <TD colSpan=5>&nbsp;</TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a.</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loss resulting directly or indirectly from </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Forged</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>, altered or fraudulent negotiable instruments,</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>securities, documents or written instruments used as source documentation in the preparation</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>of </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Data</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>;</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>b.</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loss of negotiable instruments, securities, documents or written instruments except as</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>converted to </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Data </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>and then only in that converted form;</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>c.</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loss resulting from mechanical failure, faulty construction, error in design, latent defect, wear or</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>tear, gradual deterioration, electrical disturbance, </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Media </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>failure or breakdown or</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>any malfunction or error in programming or error or omission in processing;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>d.</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loss resulting directly or indirectly from the input of </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Data </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>at an authorized electronic</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>terminal of an </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Funds Transfer System </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or a </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Customer Communication System</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>by a person who had authorized access from a customer to that customer's authentication</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>mechanism; or</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>e.</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>liability assumed by the ASSURED by agreement under any contract, unless such liability would</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>have attached to the ASSURED even in the absence of such agreement; or</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>f.</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loss resulting directly or indirectly from:</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(1)</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>written instruction unless covered under this INSURING CLAUSE; or</FONT></TD></TR>

<TR>

   <TD colSpan=5>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(2)</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>instruction by voice over the telephone, unless covered under this INSURING CLAUSE.</FONT></TD></TR></TABLE></DIV>

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   <TD width="39%"></TD></TR>

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   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ICAP2 Bond</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Form 17-02-2976 (Ed. 1-02)</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Page 3</FONT></TD></TR></TABLE></DIV>

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   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>4</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>By adding to Section 9., Valuation, the following:</FONT></TD></TR>

<TR>

   <TD colSpan=3>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Electronic Data, Electronic Media, Or Electronic Instruction</FONT></TD></TR>

<TR>

   <TD colSpan=3>&nbsp;</TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>In case of loss of, or damage to, </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Data, Electronic Media </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Instruction </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>used</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>by the ASSURED in its business, the COMPANY shall be liable under this Bond only if such items are</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>actually reproduced form other </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Data, Electronic Media </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Instruction </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>of the</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>same kind or quality and then for not more than the cost of the blank media and/or the cost of labor for</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the actual transcription or copying of data which shall have been furnished by the ASSURED in order to</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>reproduce such </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Data, Electronic Media </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Instruction </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>subject to the</FONT></TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>applicable SINGLE LOSS LIMIT OF LIABILITY.</FONT></TD></TR>

<TR>

   <TD colSpan=3>&nbsp;</TD></TR>

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   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>However, if such </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Data </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>can not be reproduced and said </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Electronic Data </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>represents</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Securities </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or financial instruments having a value, then the loss will be valued as indicated in the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>SECURITIES and OTHER PROPERTY paragraphs of this Section.</FONT></TD></TR>

<TR>

   <TD colSpan=3>&nbsp;</TD></TR>

<TR>

   <TD colSpan=3>&nbsp;</TD></TR>

<TR>

   <TD colSpan=3>&nbsp;</TD></TR>

<TR>

   <TD colSpan=3>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>This Endorsement applies to loss discovered after 12:01 a.m. on May 15, 2016.</FONT></TD></TR>

<TR>

   <TD colSpan=3>&nbsp;</TD></TR>

<TR>

   <TD colSpan=3>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ALL OTHER TERMS AND CONDITIONS OF THIS BOND REMAIN UNCHANGED.</FONT></TD></TR></TABLE></DIV>

<P style="MARGIN: 0px">&nbsp;</P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Date: April 20, 2016</FONT></P>

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<IMG border=0 src="p82302721_2016x24x1.jpg" align=middle> </P>

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   <TD width="39%"></TD></TR>

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   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ICAP2 Bond</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Form 17-02-2976 (Ed. 1-02)</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Page 4</FONT></TD></TR></TABLE></DIV>

<P style="MARGIN: 0px">&nbsp;</P></DIV>

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<TR>

   <TD width="3%"></TD>

   <TD width="3%"></TD>

   <TD width="49%"></TD>

   <TD width="4%"></TD>

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   <TD width="11%"></TD>

   <TD width="9%"></TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=3 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>FEDERAL INSURANCE COMPANY</FONT></B></TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Endorsement No.</FONT></TD>

   <TD style="TEXT-INDENT: 0.119pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>7</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Bond Number:</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>82302721</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid; TEXT-INDENT: 4.559pt" colSpan=6 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>NAME OF ASSURED: FLAHERTY &amp; CRUMRINE TOTAL RETURN FUND INCORPORATED</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD colSpan=7 align=center><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>REVISE ITEM 2. ENDORSEMENT</FONT></B></TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD colSpan=7 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>It is agreed that this Bond is amended by deleting ITEM 2. in its entirety on the DECLARATIONS and</FONT></TD></TR>

<TR vAlign=bottom>

   <TD style="TEXT-INDENT: 4.559pt" colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>substituting the following:</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD style="TEXT-INDENT: 4.559pt" colSpan=3 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>ITEM 2. </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>LIMITS OF LIABILITY-DEDUCTIBLE AMOUNTS:</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD colSpan=7 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>If "Not Covered" is inserted below opposite any specified INSURING CLAUSE, such INSURING CLAUSE</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=7 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>and any other reference to such INSURING CLAUSE in this Bond shall be deemed to be deleted. </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>There</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=7 align=right><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>shall be no deductible applicable to any loss under INSURING CLAUSE 1 sustained by any</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD style="TEXT-INDENT: 4.559pt" colSpan=3 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Investment Company</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>SINGLE LOSS</FONT></TD>

   <TD style="TEXT-INDENT: 27.029pt" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>DEDUCTIBLE</FONT></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid; TEXT-INDENT: 4.559pt" colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>INSURING CLAUSE</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>LIMIT OF LIABILITY</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid; TEXT-INDENT: 27.029pt" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>AMOUNT</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>1</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD style="TEXT-INDENT: 1.801pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Employee</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD style="TEXT-INDENT: 0.959pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>750,000</FONT></TD>

   <TD style="TEXT-INDENT: 27.029pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>0</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>2</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD style="TEXT-INDENT: 1.801pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>On Premises</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD style="TEXT-INDENT: 0.959pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>750,000</FONT></TD>

   <TD style="TEXT-INDENT: 27.029pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>10,000</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>3</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD style="TEXT-INDENT: 1.798pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>In Transit</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD style="TEXT-INDENT: 0.959pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>750,000</FONT></TD>

   <TD style="TEXT-INDENT: 27.029pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>10,000</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>4</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD style="TEXT-INDENT: 1.805pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Forgery or Alteration</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD style="TEXT-INDENT: 0.959pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>750,000</FONT></TD>

   <TD style="TEXT-INDENT: 27.029pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>10,000</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>5</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD style="TEXT-INDENT: 1.801pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Extended Forgery</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD style="TEXT-INDENT: 0.959pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>750,000</FONT></TD>

   <TD style="TEXT-INDENT: 27.029pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>10,000</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>6</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD style="TEXT-INDENT: 1.801pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Counterfeit Money</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD style="TEXT-INDENT: 0.959pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>750,000</FONT></TD>

   <TD style="TEXT-INDENT: 27.029pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>10,000</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>7</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD style="TEXT-INDENT: 1.801pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Threats to Person</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD style="TEXT-INDENT: 0.959pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>750,000</FONT></TD>

   <TD style="TEXT-INDENT: 27.029pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>10,000</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>8</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD style="TEXT-INDENT: 1.801pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Computer System</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD style="TEXT-INDENT: 0.959pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>750,000</FONT></TD>

   <TD style="TEXT-INDENT: 27.029pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>10,000</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>9</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD style="TEXT-INDENT: 2.045pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Voice Initiated Funds Transfer Instruction</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD style="TEXT-INDENT: 0.959pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>750,000</FONT></TD>

   <TD style="TEXT-INDENT: 27.029pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>10,000</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>10</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD style="TEXT-INDENT: 2.645pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Uncollectible Items of Deposit</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD style="TEXT-INDENT: 6.359pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>25,000</FONT></TD>

   <TD style="TEXT-INDENT: 27.029pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>10,000</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>11</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD style="TEXT-INDENT: 2.645pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Audit Expense</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD style="TEXT-INDENT: 6.359pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>25,000</FONT></TD>

   <TD style="TEXT-INDENT: 27.029pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>0</FONT></TD></TR>

<TR vAlign=bottom>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>12</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>.</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Extended Computer Systems</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD style="TEXT-INDENT: 0.959pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>750,000</FONT></TD>

   <TD style="TEXT-INDENT: 27.029pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>$</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>10,000</FONT></TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD style="TEXT-INDENT: 4.559pt" colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>This Endorsement applies to loss discovered after 12:01 a.m. on May 15, 2016.</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR>

<TR>

   <TD colSpan=7>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD style="TEXT-INDENT: 4.559pt" colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ALL OTHER TERMS AND CONDITIONS OF THIS BOND REMAIN UNCHANGED.</FONT></TD>

   <TD align=left>&nbsp;</TD>

   <TD align=left>&nbsp;</TD></TR></TABLE></DIV>

<P style="MARGIN: 0px">&nbsp;</P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Date: April 20, 2016</FONT></P>

<P align=center>
<IMG border=0 src="p82302721_2016x24x1.jpg" align=middle> </P>

<DIV align=left>

<TABLE cellSpacing=0 border=0>



<TR>

   <TD width="60%"></TD>

   <TD width="39%"></TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ICAP Bond</FONT></TD>

   <TD align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Form 17-02-1582 (Ed. 5-98)</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Page 1</FONT></TD></TR></TABLE></DIV>

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<B><I><FONT size=2 face="Arial,BoldItalic,Arial,Helvetica,sans-serif">Important Notice:</FONT></I></B></TD>
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&nbsp;</TD>
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&nbsp;</TD>
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&nbsp;</TD>
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<B><FONT size=2 face="Arial,Bold,Arial,Helvetica,sans-serif">The SEC Requires Proof of Your Fidelity Insurance Policy</FONT></B></TD>
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	<TD>
&nbsp;</TD>
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	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">Your company is now required to file an electronic copy of your fidelity insurance coverage</FONT></TD>
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<TR valign="bottom">
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">(Chubb&#146;s ICAP Bond policy) to the Securities and Exchange Commission (SEC), accordin</FONT><FONT size=2 face="Arial,Arial,Helvetica,sans-serif">g to</FONT></TD>
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	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">rules adopted by the SEC on June 12, 2006.</FONT></TD>
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	<TD>
&nbsp;</TD>
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	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">Chubb is in the process of providing your agent/broker with an electronic copy of your insurance</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">policy as well as instructions on how to submit this proof of fidelity insurance coverage to the</FONT></TD>
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<TR valign="bottom">
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">SEC. You can expect to receive this information from your agent/broker shortly.</FONT></TD>
</TR>
<TR>
	<TD>
&nbsp;</TD>
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<TR valign="bottom">
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">The electronic copy of your policy is provided by Chubb solely as a convenience and does not</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">affect the terms and conditions of coverage as set forth in the paper policy you receive by mail.</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">The terms and conditions of the policy mailed to you, which are the same as those set forth in</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">the electronic copy, constitute the entire agreement between your company and Chubb.</FONT></TD>
</TR>
<TR>
	<TD>
&nbsp;</TD>
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	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">If you have any questions, please contact your agent or broker.</FONT></TD>
</TR>
</TABLE>
</DIV>
<P style="MARGIN:0px">&nbsp;</P>
<P style="text-align: left;">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">Form 14-02-12160 (ed. 7/2006)</FONT></P>
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<B><FONT size=2 face="Arial,Bold,Arial,Helvetica,sans-serif">IMPORTANT POLICYHOLDER INFORMATION</FONT></B></TD>
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	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">Inquiries concerning your policy should be directed to your insurance agent. The name,</FONT></TD>
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<TR valign="bottom">
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">address and telephone number of your agent, if one is involved, is shown on the policy and/or</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">in the material accompanying the policy.</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">If you require additional information you may contact the California Insurance Department at</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">either the following address or phone number:</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left style="TEXT-INDENT:129.630005pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">California Insurance Department</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left style="TEXT-INDENT:129.630005pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">300 South Spring Street</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left style="TEXT-INDENT:129.630005pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">Los Angeles, CA 90012</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left style="TEXT-INDENT:129.630005pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">1-800-927-HELP</FONT></TD>
</TR>
</TABLE>
</DIV>
<P style="MARGIN:0px">&nbsp;</P>
<P style="text-align: left;">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">Form 14-02-1495 (Ed. 1/94)</FONT></P>
</DIV>

<HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</div>



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<A name="page_34"></A><BR>

<a name="_bclPageBorder34"></a><DIV STYLE="PADDING-RIGHT: 0%; PADDING-LEFT: 0%">
<DIV align="left">
<TABLE border=0 cellspacing=0>
<TR>
     <TD width=99%></TD></TR>
<TR valign="bottom">
	<TD align=left style="TEXT-INDENT:67.110001pt">
<B><FONT size=3 face="Arial,Bold,Arial,Helvetica,sans-serif">IMPORTANT NOTICE</FONT></B></TD>
</TR>
<TR>
	<TD>
&nbsp;</TD>
</TR>
<TR>
	<TD>
&nbsp;</TD>
</TR>
<TR>
	<TD>
&nbsp;</TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">The premium shown on this policy or premium</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">statement may be subject to adjustment in</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">accordance with the provisions of California law</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">recently adopted by ballot initiative. You will be</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">informed about any adjustment as soon as the</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">requirements of the law and their effect on your</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">premium can be determined.</FONT></TD>
</TR>
</TABLE>
</DIV>
<P style="MARGIN:0px">&nbsp;</P>
<P style="text-align: left;">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">Form 99-10-0267 (Ed. 2/98)</FONT></P>
</DIV>

<HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</div>



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<A name="page_35"></A><BR>

<a name="_bclPageBorder35"></a><DIV STYLE="PADDING-RIGHT: 0%; PADDING-LEFT: 0%">
<DIV align="left">
<TABLE border=0 cellspacing=0>
<TR>
     <TD width=100%></TD></TR>
<TR valign="bottom">
	<TD align=center>
<B><FONT size=5 face="Arial,Bold,Arial,Helvetica,sans-serif">POLICYHOLDER</FONT></B></TD>
</TR>
<TR valign="bottom">
	<TD align=center>
<B><FONT size=5 face="Arial,Bold,Arial,Helvetica,sans-serif">DISCLOSURE NOTICE OF</FONT></B></TD>
</TR>
<TR valign="bottom">
	<TD align=center>
<B><FONT size=5 face="Arial,Bold,Arial,Helvetica,sans-serif">TERRORISM INSURANCE COVERAGE</FONT></B></TD>
</TR>
<TR valign="bottom">
	<TD align=center>
<B><FONT size=3 face="Arial,Bold,Arial,Helvetica,sans-serif">(for policies with no terrorism exclusion or sublimit)</FONT></B></TD>
</TR>
<TR valign="bottom">
	<TD align=center>
<B><FONT size=3 face="Arial,Bold,Arial,Helvetica,sans-serif">Insuring Company:</FONT></B></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">You are hereby notified that, under the Terrorism Risk Insurance Act (the </FONT><FONT size=3 face="Arial,Arial,Helvetica,sans-serif">&#147;Act&#148;), </FONT><FONT size=3 face="Arial,Arial,Helvetica,sans-serif">this</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">policy makes available to you insurance for losses arising out of certain acts of terrorism.</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">Terrorism is defined as any act certified by the Secretary of the Treasury of the United</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">States, to be an act of terrorism; to be a violent act or an act that is dangerous to human</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">life, property or infrastructure; to have resulted in damage within the United States,</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">or outside the United States in the case of an air carrier or vessel or the premises of a</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">United States Mission; and to have been committed by an individual or individuals as part</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">of an effort to coerce the civilian population of the United States or to influence the policy</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">or affect the conduct of the United States Government by coercion.</FONT></TD>
</TR>
<TR>
	<TD>
&nbsp;</TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">You should know that the insurance provided by your policy for losses caused by acts of</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">terrorism is partially reimbursed by the United States under the formula set forth in the</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">Act. Under this formula, the United States pays 85% of covered terrorism losses that</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">exceed the statutorily established deductible to be paid by the insurance company</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">providing the coverage. Beginning in 2016, the Federal share will be reduced by 1% per</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">year until it reaches 80%, where it will remain.</FONT></TD>
</TR>
<TR>
	<TD>
&nbsp;</TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">However, if aggregate insured losses attributable to terrorist acts certified under the Act</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">exceed &#36;100 billion in a calendar year, the Treasury shall not make any payment for</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">any portion of the amount of such losses that exceeds &#36;100 billion.</FONT></TD>
</TR>
</TABLE>
</DIV>
<P style="MARGIN:0px">&nbsp;</P>
<P style="text-align: left;">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">10-02-1281 (Ed. 03/2015)</FONT></P>
</DIV>

<HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</div>



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<A name="page_36"></A><BR>

<a name="_bclPageBorder36"></a><DIV STYLE="PADDING-RIGHT: 0%; PADDING-LEFT: 0%">
<DIV align="left">
<TABLE border=0 cellspacing=0>
<TR>
     <TD width=100%></TD></TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">If aggregate insured losses attributable to terrorist acts certified under the Act exceed</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">&#36;100 billion in a calendar year and we have met our insurer deductible under the Act,</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">we shall not be liable for the payment of any portion of the amount of such losses that</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">exceeds &#36;100 billion, and in such case insured losses up to that amount are subject to</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">pro rata allocation in accordance with procedures established by the Secretary of the</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">Treasury.</FONT></TD>
</TR>
<TR>
	<TD>
&nbsp;</TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">The portion of your </FONT><FONT size=3 face="Arial,Arial,Helvetica,sans-serif">policy&#146;</FONT><FONT size=3 face="Arial,Arial,Helvetica,sans-serif">s annual premium that is attributable to insurance for such acts</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">of terrorism is: &#36; </FONT><B><FONT size=3 face="Arial,Bold,Arial,Helvetica,sans-serif">-0-.</FONT></B></TD>
</TR>
<TR>
	<TD>
&nbsp;</TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">If you have any questions about this notice, please contact your agent or broker.</FONT></TD>
</TR>
</TABLE>
</DIV>
<P style="MARGIN:0px">&nbsp;</P>
<P style="text-align: left;">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">10-02-1281 (Ed. 03/2015)</FONT></P>
</DIV>

<HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</div>



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<A name="page_37"></A><BR>

<a name="_bclPageBorder37"></a><DIV STYLE="PADDING-RIGHT: 0%; PADDING-LEFT: 0%">
<DIV align="left">
<TABLE border=0 cellspacing=0>
<TR>
     <TD width=99%></TD></TR>
<TR valign="bottom">
	<TD align=center>
<B><FONT size=4 face="Arial,Bold,Arial,Helvetica,sans-serif">IMPORTANT NOTICE TO POLICYHOLDERS</FONT></B></TD>
</TR>
<TR>
	<TD>
&nbsp;</TD>
</TR>
<TR>
	<TD>
&nbsp;</TD>
</TR>
<TR>
	<TD>
&nbsp;</TD>
</TR>
<TR valign="bottom">
	<TD align=left style="TEXT-INDENT:35.996002pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">All of the members of the Chubb Group of Insurance companies doing business in the United</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">States (hereinafter &#147;Chubb&#148;) distribute their products through licensed insurance brokers and agents</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">(&#147;producers&#148;). Detailed i</FONT><FONT size=2 face="Arial,Arial,Helvetica,sans-serif">nformation regarding the types of compensation paid by Chubb to producers on</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">US insurance transactions is available under the Producer Compensation link located at the bottom of the</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">page at www.chubb.com, or by calling 1-866-588-9478. Additional information may be available from your</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">producer.</FONT></TD>
</TR>
<TR>
	<TD>
&nbsp;</TD>
</TR>
<TR valign="bottom">
	<TD align=left style="TEXT-INDENT:35.996002pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">Thank you for choosing Chubb.</FONT></TD>
</TR>
</TABLE>
</DIV>
<P style="MARGIN:0px">&nbsp;</P>
<P style="text-align: left;">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">10-02-1295 (ed. 6/2007)</FONT></P>
</DIV>
<HR align=center width="100%" noshade SIZE=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><B><FONT face="Times New Roman" size=2>The following
resolutions were adopted at the April 20, 2016 Meeting of the Board of Directors
of Flaherty &amp; Crumrine Total Return Fund Incorporated at which a majority of
Directors who are not &#147;interested persons&#148; approved the amount and form of the
current bond for the period of May 15, 2016 to May 15, 2017. </FONT></B></P>
<TABLE style="BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><B><FONT face="Times New Roman" size=2>RESOLVED:</FONT></B></TD>
    <TD vAlign=top noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD VALIGN="TOP" ALIGN="LEFT" WIDTH="100%" STYLE="text-align: justify"><FONT face="Times New Roman" size=2>That the renewal
      of the fidelity bond coverage for the period from May 15, 2016 to May 15,
      2017, which provides coverage in the aggregate amount of $750,000, is
      hereby approved; and further<BR>&nbsp;</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap align=left width="1%"><STRONG><FONT size=2 face="Times New Roman">RESOLVED:</FONT></STRONG></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD VALIGN="TOP" ALIGN="LEFT" WIDTH="100%" STYLE="text-align: justify"><FONT size=2 face="Times New Roman">That it is the finding of the Directors at
      this Meeting that the fidelity bond (the &#147;Bond&#148;) issued through Federal
      Insurance Company in the amount of $750,000 covering officers and
      employees of the Fund, in accordance with the requirements of Rule 17g-1
      under the Investment Company Act of 1940, as amended (the &#147;1940 Act&#148;), is
      fair and reasonable in form and amount, after having given due
      consideration to, among other things, the value of the aggregate assets of
      the Fund to which any person covered under the Bond may have access, the
      custody and safekeeping of the assets of the Fund&#146;s portfolio, and the
      nature of the securities in the Fund&#146;s portfolio; and
      further<BR>&nbsp;</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap align=left width="1%"><STRONG><FONT size=2 face="Times New Roman">RESOLVED:</FONT></STRONG></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD VALIGN="TOP" ALIGN="LEFT" WIDTH="100%" STYLE="text-align: justify"><FONT size=2 face="Times New Roman">That the premium in the amount of $2,185
      paid by the Fund under the Bond is hereby authorized; and
      further<BR>&nbsp;</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap align=left width="1%"><STRONG><FONT size=2 face="Times New Roman">RESOLVED:</FONT></STRONG></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD VALIGN="TOP" ALIGN="LEFT" WIDTH="100%" STYLE="text-align: justify"><FONT size=2 face="Times New Roman">That the appropriate officers of the Fund
      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 from time to time be necessary or
      appropriate in order to conform to the provisions of the 1940 Act and the
      rules and regulations under that Act; and further <BR>&nbsp;</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap align=left width="1%"><STRONG><FONT size=2 face="Times New Roman">RESOLVED:</FONT></STRONG></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD VALIGN="TOP" ALIGN="LEFT" WIDTH="100%" STYLE="text-align: justify">
      <P STYLE="text-align: justify"><FONT face="Times New Roman" size=2>That the Secretary or
      Assistant Secretary of the Fund shall make such filings concerning the
      Bond with the Securities and Exchange Commission (&#147;SEC&#148;) and give such
      notices as required under paragraph (g) of Rule 17g-1 promulgated by the
      SEC under the 1940 Act. </FONT></P></TD></TR></TABLE><BR>
<HR align=center width="100%" noShade SIZE=2>


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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
