<SEC-DOCUMENT>0001145443-15-000616.txt : 20150501
<SEC-HEADER>0001145443-15-000616.hdr.sgml : 20150501
<ACCEPTANCE-DATETIME>20150501080049
ACCESSION NUMBER:		0001145443-15-000616
CONFORMED SUBMISSION TYPE:	40-17G
PUBLIC DOCUMENT COUNT:		4
FILED AS OF DATE:		20150501
DATE AS OF CHANGE:		20150501
EFFECTIVENESS DATE:		20150501

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ELLSWORTH GROWTH & INCOME FUND LTD
		CENTRAL INDEX KEY:			0000793040
		IRS NUMBER:				133345139
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			0930

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-04656
		FILM NUMBER:		15821906

	BUSINESS ADDRESS:	
		STREET 1:		65 MADISON AVENUE
		STREET 2:		SUITE 550
		CITY:			MORRISTOWN
		STATE:			NJ
		ZIP:			07960
		BUSINESS PHONE:		(973) 631-1177

	MAIL ADDRESS:	
		STREET 1:		65 MADISON AVE
		STREET 2:		SUITE 550
		CITY:			MORRISTOWN
		STATE:			NJ
		ZIP:			07960

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ELLSWORTH FUND LTD
		DATE OF NAME CHANGE:	20060330

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ELLSWORTH CONVERTIBLE GROWTH & INCOME FUND INC
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>40-17G
<SEQUENCE>1
<FILENAME>ellsworth_4017g.htm
<DESCRIPTION>FIDELITY BOND FILED PURSUANT TO RULE 17G-1(G)(1)
<TEXT>

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<P align=left><FONT face="Times New Roman" size=2>CERTIFIED BOARD RESOLUTIONS
AND AGREEMENT </FONT></P>
<P align=left><FONT face="Times New Roman" size=2>May 1, 2015 </FONT></P>
<P align=left><FONT face="Times New Roman" size=2>Securities and Exchange
Commission<BR>450 Fifth Street, N.W.<BR></FONT><FONT face="Times New Roman" size=2>Washington, DC 20549 </FONT></P>
<P align=left><FONT face="Times New Roman" size=2>Attention: </FONT><U><FONT face="Times New Roman" size=2>Division of Investment Management</FONT></U><FONT face="Times New Roman" size=2> </FONT></P>
<P align=left><FONT face="Times New Roman" size=2>RE: Registered Management
Investment Company Bond</FONT></P>
<P align=left><FONT face="Times New Roman" size=2>Dear Sir or Madam: </FONT></P>
<P align=left><FONT face="Times New Roman" size=2>We are filing electronically
herewith, pursuant to Rule 17g-1 promulgated under the Investment Company Act of
1940, as amended (the &#147;1940 Act&#148;), the following items with respect to the joint
insured Investment Company Bond covering Bancroft Fund Ltd. (&#147;Bancroft&#148;),
Ellsworth Growth and Income Fund Ltd. (&#147;Ellsworth&#148; and together with Bancroft,
the &#147;Funds&#148;) and Dinsmore Capital Management Co. (the &#147;Adviser&#148;): </FONT></P>
<P style="PADDING-LEFT: 30pt" align=left><FONT face="Times New Roman" size=2>1.
A copy of Financial Institution Investment Company Asset Protection Bond No.
82126582, showing coverage of $1,050,000, effective May 1, 2015, which was
received in executed form by the Company on or about April 23, 2015; and
</FONT></P>
<P style="PADDING-LEFT: 30pt" align=left><FONT face="Times New Roman" size=2>2.
A certified copy of resolutions adopted by a majority of the members of the
Board of Trustees of the Funds who are not &#147;interested persons&#148; at a meeting of
the Board held on April 20, 2015 approving the amount, type, form, and coverage
of the bond and the portion of the premiums to be paid by each insured party.
</FONT></P>
<P style="PADDING-LEFT: 30pt" align=left><FONT face="Times New Roman" size=2>3.
A copy of the 2015 agreement entered into by the Funds and the Adviser pursuant
to Rule 17g-1(f) under the 1940 Act. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2>Were they not to hold a joint
insured bond, Bancroft and Ellsworth would each be required to maintain fidelity
bonds in the amount of $525,000. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2>The premium for this bond was
paid on or about May 1, 2015. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2>The period for which premiums
have been paid is May 1, 2015 through April 30, 2016. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2>Sincerely, </FONT></P>
<P align=left><FONT face="Times New Roman" size=2>Bancroft Fund
Ltd.<BR></FONT><FONT face="Times New Roman" size=2>Ellsworth Growth and Income
Fund Ltd. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2>By:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;/s/ Gary I. Levine<BR>Gary I. Levine
</FONT></P>
<P align=left><FONT face="Times New Roman" size=2>Executive Vice President,
Chief Financial Officer and Secretary</FONT></P>

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<B><FONT size=2 face="Arial,Bold,Arial,Helvetica,sans-serif">Chubb Group of Insurance Companies</FONT></B></TD>
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&nbsp;</TD>
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<B><FONT size=3 face="Arial,Bold,Arial,Helvetica,sans-serif">DECLARATIONS</FONT></B></TD>
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<B><FONT size=3 face="Arial,Bold,Arial,Helvetica,sans-serif">FINANCIAL INSTITUTION INVESTMENT</FONT></B></TD>
</TR>
<TR valign="bottom">
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&nbsp;</TD>
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&nbsp;</TD>
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&nbsp;</TD>
	<TD align=left colspan=4>
<FONT size=1 face="Arial,Arial,Helvetica,sans-serif">15 Mountain View Road, Warren, New Jersey 07059</FONT></TD>
	<TD align=left colspan=4>
<B><FONT size=3 face="Arial,Bold,Arial,Helvetica,sans-serif">COMPANY ASSET PROTECTION BOND</FONT></B></TD>
</TR>
<TR>
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&nbsp;</TD>
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<TR>
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<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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<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">Bond Number: 82126582</FONT></TD>
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	<TD align=left colspan=4 style="TEXT-INDENT:3.599991pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">BANCROFT FUND LTD.</FONT></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">FEDERAL INSURANCE COMPANY</FONT></B></TD>
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&nbsp;</TD>
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	<TD align=left colspan=5 style="TEXT-INDENT:3.599991pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">65 MADISON AVENUE, SUITE 550</FONT></TD>
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&nbsp;</TD>
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&nbsp;</TD>
	<TD align=left colspan=3>
<FONT size=1 face="Arial,Arial,Helvetica,sans-serif">Incorporated under the laws of Indiana</FONT></TD>
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&nbsp;</TD>
</TR>
<TR valign="bottom">
	<TD align=left colspan=4 style="TEXT-INDENT:3.599991pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">MORRISTOWN, NJ 07960</FONT></TD>
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&nbsp;</TD>
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&nbsp;</TD>
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<FONT size=1 face="Arial,Arial,Helvetica,sans-serif">a stock insurance company herein called the COMPANY</FONT></TD>
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<FONT size=1 face="Arial,Arial,Helvetica,sans-serif">Capital Center, 251 North Illinois, Suite 1100</FONT></TD>
</TR>
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<FONT size=1 face="Arial,Arial,Helvetica,sans-serif">Indianapolis, IN 46204-1927</FONT></TD>
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&nbsp;</TD>
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&nbsp;</TD>
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	<TD align=left style="TEXT-INDENT:3.599991pt">
<B><FONT size=2 face="Arial,Bold,Arial,Helvetica,sans-serif">ITEM 1.</FONT></B></TD>
	<TD align=left colspan=3 style="TEXT-INDENT:4.440002pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">BOND PERIOD:</FONT></TD>
	<TD align=right>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">from</FONT></TD>
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<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">12:01 a.m. on</FONT></TD>
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<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">May 1, 2015</FONT></TD>
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&nbsp;</TD>
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	<TD align=center>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">to</FONT></TD>
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">12:01 a.m. on</FONT></TD>
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">May 1, 2016</FONT></TD>
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<B><FONT size=2 face="Arial,Bold,Arial,Helvetica,sans-serif">ITEM 2.</FONT></B></TD>
	<TD align=left colspan=6 style="TEXT-INDENT:4.440002pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">LIMITS OF LIABILITY--DEDUCTIBLE AMOUNTS:</FONT></TD>
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<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">If &#147;Not Covered&#148; is in</FONT><FONT size=2 face="Arial,Arial,Helvetica,sans-serif">serted below opposite any specified INSURING CLAUSE, such INSURING CLAUSE and</FONT></TD>
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<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 align=right colspan=8>
<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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&nbsp;</TD>
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<TR>
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<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">DEDUCTIBLE</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
&nbsp;</TD>
	<TD align=right colspan=4 style="border-bottom:1px solid #000000;">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">INSURING CLAUSE</FONT></TD>
	<TD align=left>
&nbsp;</TD>
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&nbsp;</TD>
	<TD align=left colspan=2 style="border-bottom:1px solid #000000;" style="TEXT-INDENT:9.000000pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">LIMIT OF LIABILITY</FONT></TD>
	<TD align=center colspan=2 style="border-bottom:1px solid #000000;">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">AMOUNT</FONT></TD>
</TR>
<TR valign="bottom">
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&nbsp;</TD>
	<TD align=right>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">1</FONT></TD>
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<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">.</FONT></TD>
	<TD align=left style="TEXT-INDENT:7.200012pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">Employee</FONT></TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left style="TEXT-INDENT:9.000000pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">&#36;</FONT></TD>
	<TD align=right>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">1,050,00</FONT></TD>
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">&#36;</FONT></TD>
	<TD align=right>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">0</FONT></TD>
</TR>
<TR valign="bottom">
	<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 colspan=2 style="TEXT-INDENT:7.200012pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">On Premises</FONT></TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left style="TEXT-INDENT:9.000000pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">&#36;</FONT></TD>
	<TD align=right>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">1,050,00</FONT></TD>
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">&#36;</FONT></TD>
	<TD align=right>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">50,000</FONT></TD>
</TR>
<TR valign="bottom">
	<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 style="TEXT-INDENT:7.200012pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">In Transit</FONT></TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left style="TEXT-INDENT:9.000000pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">&#36;</FONT></TD>
	<TD align=right>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">1,050,00</FONT></TD>
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">&#36;</FONT></TD>
	<TD align=right>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">50,000</FONT></TD>
</TR>
<TR valign="bottom">
	<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 colspan=2 style="TEXT-INDENT:7.200012pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">Forgery or Alteration</FONT></TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left style="TEXT-INDENT:9.000000pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">&#36;</FONT></TD>
	<TD align=right>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">1,050,00</FONT></TD>
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">&#36;</FONT></TD>
	<TD align=right>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">50,000</FONT></TD>
</TR>
<TR valign="bottom">
	<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 colspan=2 style="TEXT-INDENT:7.200012pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">Extended Forgery</FONT></TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left style="TEXT-INDENT:9.000000pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">&#36;</FONT></TD>
	<TD align=right>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">1,050,00</FONT></TD>
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">&#36;</FONT></TD>
	<TD align=right>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">50,000</FONT></TD>
</TR>
<TR valign="bottom">
	<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 colspan=2 style="TEXT-INDENT:7.200012pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">Counterfeit Money</FONT></TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left style="TEXT-INDENT:9.000000pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">&#36;</FONT></TD>
	<TD align=right>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">1,050,00</FONT></TD>
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">&#36;</FONT></TD>
	<TD align=right>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">50,000</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 align=left colspan=2 style="TEXT-INDENT:7.200012pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">Threats to Person</FONT></TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left style="TEXT-INDENT:9.000000pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">&#36;</FONT></TD>
	<TD align=right>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">1,050,00</FONT></TD>
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">&#36;</FONT></TD>
	<TD align=right>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">50,000</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 align=left colspan=2 style="TEXT-INDENT:7.200012pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">Computer System</FONT></TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left style="TEXT-INDENT:9.000000pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">&#36;</FONT></TD>
	<TD align=right>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">1,050,00</FONT></TD>
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">&#36;</FONT></TD>
	<TD align=right>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">50,000</FONT></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 align=left colspan=4 style="TEXT-INDENT:7.200012pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">Voice Initiated Funds Transfer Instruction</FONT></TD>
	<TD align=left style="TEXT-INDENT:9.000000pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">&#36;</FONT></TD>
	<TD align=right>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">See Endt. 6</FONT></TD>
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">&#36;</FONT></TD>
	<TD align=right>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">N/A</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 align=left colspan=3 style="TEXT-INDENT:7.200012pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">Uncollectible Items of Deposit</FONT></TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left style="TEXT-INDENT:9.000000pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">&#36;</FONT></TD>
	<TD align=right>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">250,000</FONT></TD>
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">&#36;</FONT></TD>
	<TD align=right>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">5,000</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 align=left colspan=2 style="TEXT-INDENT:7.200012pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">Audit Expense</FONT></TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left style="TEXT-INDENT:9.000000pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">&#36;</FONT></TD>
	<TD align=right>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">250,000</FONT></TD>
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">&#36;</FONT></TD>
	<TD align=right>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">5,000</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
&nbsp;</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 align=left colspan=3 style="TEXT-INDENT:6.840012pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">Fraudulent Transfer Instruction</FONT></TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left style="TEXT-INDENT:10.919983pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">&#36;</FONT></TD>
	<TD align=left style="TEXT-INDENT:12.119995pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">1,050,000</FONT></TD>
	<TD align=left style="TEXT-INDENT:1.559998pt">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">&#36;</FONT></TD>
	<TD align=right>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">50,000</FONT></TD>
</TR>
<TR>
	<TD colspan=11>
&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 align=right colspan=10>
<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 align=left colspan=7 style="TEXT-INDENT:0.839996pt">
<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>
	<TD align=left>
&nbsp;</TD>
</TR>
<TR valign="bottom">
	<TD align=left>
&nbsp;</TD>
	<TD align=right colspan=4>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">Endorsement Nos. 1 - 6</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>
</TR>
<TR>
	<TD colspan=11>
&nbsp;</TD>
</TR>
<TR valign="bottom">
	<TD align=left colspan=11>
<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 align=left colspan=8>
<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>
	<TD align=left>
&nbsp;</TD>
</TR>
</TABLE>
</DIV>
<P style="MARGIN:0px">&nbsp;</P>
<IMG src="p82126582_2015x5x1.jpg" border=0>
<BR>
<DIV align="left">
<TABLE border=0 cellspacing=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) - 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 </FONT><FONT size=1 face="Helvetica,Arial,Helvetica,sans-serif">1</FONT></TD>
</TR>
</TABLE>
</DIV>
<P style="MARGIN:0px">&nbsp;</P>

<HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</div>



<!--$$/page=-->
<A name="page_6"></A><BR>

<DIV align="left">
<TABLE border=0 cellspacing=0>
<TR>
     <TD width=21%></TD>
     <TD width=7%></TD>
     <TD width=2%></TD>
     <TD width=3%></TD>
     <TD width=4%></TD>
     <TD width=2%></TD>
     <TD width=57%></TD></TR>
<TR valign="bottom">
	<TD align=left>
&nbsp;</TD>
	<TD align=right colspan=6>
<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 align=right colspan=6>
<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 align=right colspan=6>
<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 align=right colspan=6>
<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 align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=right style="border-bottom:1px solid #000000;">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">for:</FONT></TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
</TR>
<TR>
	<TD colspan=7>
&nbsp;</TD>
</TR>
<TR>
	<TD colspan=7>
&nbsp;</TD>
</TR>
<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">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 align=left colspan=4>
<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>
<TR valign="bottom">
	<TD align=center colspan=7 style="border-bottom:1px solid #000000;">
<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>
<TR>
	<TD colspan=7><HR noshade size=1></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 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 align=left colspan=4>
<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 align=left colspan=4>
<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 align=left colspan=4>
<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 align=left colspan=4>
<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 align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left colspan=4 style="border-bottom:1px solid #000000;">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">located anywhere.</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">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 align=left colspan=4>
<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 align=left colspan=4>
<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 align=left colspan=4>
<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>
	<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">a.</FONT></TD>
	<TD align=right colspan=3>
<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>
	<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 colspan=3>
<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>
<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</FONT></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 align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">c.</FONT></TD>
	<TD align=right colspan=3>
<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 align=right colspan=3>
<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>
	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=center colspan=3>
<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>
	<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=right>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">written records,</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">securities issued in registered form, which are not endorsed or are</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=center colspan=7>
<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>
	<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 colspan=4>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">Coverage under this INSURING CLAUSE begins immediately on the receipt of</FONT></TD>
</TR>
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	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
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&nbsp;</TD>
	<TD align=left colspan=4>
<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 align=left colspan=4>
<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 align=left colspan=4>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">of the addressee located anywhere.</FONT></TD>
</TR>
</TABLE>
</DIV>
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<FONT size=1 face="Arial,Arial,Helvetica,sans-serif">ICAP Bond (5-98)</FONT></TD>
	<TD align=left>
&nbsp;</TD>
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<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>
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<B><I><FONT size=3 face="Arial,BoldItalic,Arial,Helvetica,sans-serif">Insuring Clauses</FONT></I></B></TD>
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&nbsp;</TD>
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&nbsp;</TD>
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<I><FONT size=2 face="Arial,Italic,Arial,Helvetica,sans-serif">(continued)</FONT></I></TD>
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&nbsp;</TD>
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&nbsp;</TD>
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&nbsp;</TD>
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<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 align=left colspan=3>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">Loss resulting directly from:</FONT></TD>
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	<TD align=left>
&nbsp;</TD>
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&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 colspan=2>
<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>
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	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
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&nbsp;</TD>
	<TD align=right colspan=2>
<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 align=left colspan=2>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">bills, money orders, orders upon public treasuries, letters of credit, 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=left colspan=2>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">written promises, orders or directions to pay sums certain in money, or</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
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&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">any credit or giving any value in reliance on any written instructions, advices</FONT></TD>
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<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 colspan=2>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">or applications directed to the ASSURED authorizing or acknowledging the</FONT></TD>
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<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 colspan=2>
<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>
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	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
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&nbsp;</TD>
	<TD align=left colspan=2>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">instructions, advices or applications fraudulently purport to bear the</FONT></TD>
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<TR valign="bottom">
	<TD align=left>
&nbsp;</TD>
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&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
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&nbsp;</TD>
	<TD align=right colspan=2>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">handwritten signature of any customer of the ASSURED, or shareholder or</FONT></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 colspan=2>
<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 align=left colspan=2>
<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 align=right colspan=2>
<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>
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	<TD align=left>
&nbsp;</TD>
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&nbsp;</TD>
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&nbsp;</TD>
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&nbsp;</TD>
	<TD align=left colspan=2>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">knowledge and consent of such customer, shareholder, subscriber, financial</FONT></TD>
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	<TD align=left>
&nbsp;</TD>
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&nbsp;</TD>
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&nbsp;</TD>
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&nbsp;</TD>
	<TD align=left colspan=2>
<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 align=right colspan=3>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">excluding, however, under this INSURING CLAUSE any loss covered under</FONT></TD>
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	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=right colspan=3>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">INSURING CLAUSE 5. of this Bond, whether or not coverage for INSURING</FONT></TD>
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<TR valign="bottom">
	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left colspan=3>
<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 align=right colspan=3>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">For the purpose of this INSURING CLAUSE, a mechanically reproduced facsimile</FONT></TD>
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<TR valign="bottom">
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left colspan=3 style="border-bottom:1px solid #000000;">
<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 align=right colspan=3>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">Loss resulting directly from the ASSURED having, in good faith, and in the</FONT></TD>
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	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left colspan=3>
<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>
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<TR valign="bottom">
	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left colspan=2>
<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 align=right colspan=2>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">acquired, accepted or received, accepted or received, sold or delivered, 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 colspan=2>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">given value, extended credit or assumed liability, in reliance on any original</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 colspan=2>
<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">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 align=right colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=right colspan=3>
<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 align=left colspan=3>
<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 align=right colspan=3>
<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 align=right colspan=3>
<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 align=right colspan=3>
<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 align=left colspan=3>
<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>
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<TABLE border=0 cellspacing=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 2 of 19</FONT></TD>
</TR>
</TABLE>
</DIV>
<P style="MARGIN:0px">&nbsp;</P>

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     <TD width=21%></TD>
     <TD width=6%></TD>
     <TD width=2%></TD>
     <TD width=4%></TD>
     <TD width=4%></TD>
     <TD width=2%></TD>
     <TD width=57%></TD></TR>
<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 align=left colspan=4>
<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 align=left style="border-bottom:1px solid #000000;">
<I><FONT size=2 face="Arial,Italic,Arial,Helvetica,sans-serif">(continued)</FONT></I></TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left colspan=4 style="border-bottom:1px solid #000000;">
<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 align=left colspan=4>
<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 align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left colspan=4 style="border-bottom:1px solid #000000;">
<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 align=left colspan=4>
<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 align=left colspan=4>
<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 align=left colspan=4>
<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 align=left colspan=4>
<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 align=left colspan=4>
<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 align=left colspan=4>
<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 align=right colspan=3>
<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 align=center colspan=3>
<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 align=right colspan=3>
<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 align=right colspan=3>
<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 align=left colspan=4>
<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 align=left colspan=4>
<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 align=left colspan=4>
<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 align=left colspan=4>
<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>
<TR valign="bottom">
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left colspan=4 style="border-bottom:1px solid #000000;">
<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 align=left colspan=4>
<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 align=right colspan=3>
<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 align=left colspan=3>
<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 align=left colspan=4>
<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 align=center colspan=7>
<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>
<P style="MARGIN:0px">&nbsp;</P>
<DIV align="left">
<TABLE border=0 cellspacing=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 3 of 19</FONT></TD>
</TR>
</TABLE>
</DIV>
<P style="MARGIN:0px">&nbsp;</P>

<HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</div>



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<A name="page_9"></A><BR>

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<TABLE border=0 cellspacing=0>
<TR>
     <TD width=22%></TD>
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     <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">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>
	<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">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 align=left colspan=2>
<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>
<TR valign="bottom">
	<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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>
<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">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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">the Designated Procedures outlined in the APPLICATION furnished to the</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left colspan=2 style="border-bottom:1px solid #000000;">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">COMPANY.</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">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 align=left colspan=2>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">Loss resulting directly from the ASSURED having credited an account of a</FONT></TD>
</TR>
<TR valign="bottom">
	<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 align=left colspan=2>
<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 align=left colspan=2>
<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>
	<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">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>
<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">dividends to be paid,</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=center colspan=5>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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>
<TR valign="bottom">
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left colspan=2 style="border-bottom:1px solid #000000;">
<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>
<TR valign="bottom">
	<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">Bond.</FONT></TD>
</TR>
</TABLE>
</DIV>
<P style="MARGIN:0px">&nbsp;</P>
<DIV align="left">
<TABLE border=0 cellspacing=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 4 of 19</FONT></TD>
</TR>
</TABLE>
</DIV>
<P style="MARGIN:0px">&nbsp;</P>

<HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</div>



<!--$$/page=-->
<A name="page_10"></A><BR>

<DIV align="left">
<TABLE border=0 cellspacing=0>
<TR>
     <TD width=23%></TD>
     <TD width=4%></TD>
     <TD width=4%></TD>
     <TD width=2%></TD>
     <TD width=63%></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>
	<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 align=right colspan=3>
<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 align=left colspan=3>
<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 align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=right style="border-bottom:1px solid #000000;">
<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 align=right colspan=3>
<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 align=right colspan=3>
<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 align=right colspan=3>
<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 align=right colspan=3>
<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 align=right colspan=3>
<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 align=right colspan=3>
<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 align=right colspan=3>
<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 align=right colspan=3>
<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 align=right colspan=3>
<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 border=0 cellspacing=0>
<TR>
     <TD width=55%></TD>
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<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>
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     <TD width=6%></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 align=left colspan=3>
<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 align=left colspan=3>
<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 align=left colspan=3>
<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 align=left colspan=3>
<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=left>
<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=left>
<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 align=left colspan=3>
<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=left>
<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=left>
<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=left>
<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=left>
<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=left>
<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 align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=right style="border-bottom:1px solid #000000;">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">c.</FONT></TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
<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 align=left colspan=3>
<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 align=left colspan=3>
<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=left style="TEXT-INDENT:6.094345pt">
<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 align=left colspan=3>
<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=left>
<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=left>
<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=left>
<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=left>
<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=left>
<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 align=left colspan=3>
<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 align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left colspan=3 style="border-bottom:1px solid #000000;">
<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 align=left colspan=3>
<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&#146; Fees</FONT></I></TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left colspan=3>
<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 align=left colspan=3>
<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 align=left colspan=3>
<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 align=left colspan=3>
<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 align=left colspan=3>
<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=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">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>
<P style="MARGIN:0px">&nbsp;</P>
<DIV align="left">
<TABLE border=0 cellspacing=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 6 of 19</FONT></TD>
</TR>
</TABLE>
</DIV>
<P style="MARGIN:0px">&nbsp;</P>

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<DIV align="left">
<TABLE border=0 cellspacing=0>
<TR>
     <TD width=26%></TD>
     <TD width=7%></TD>
     <TD width=66%></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>
</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&#146; 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 align=center colspan=3>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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>
<P style="MARGIN:0px">&nbsp;</P>
<DIV align="left">
<TABLE border=0 cellspacing=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 7 of 19</FONT></TD>
</TR>
</TABLE>
</DIV>
<P style="MARGIN:0px">&nbsp;</P>

<HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</div>



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<A name="page_13"></A><BR>

<DIV align="left">
<TABLE border=0 cellspacing=0>
<TR>
     <TD width=20%></TD>
     <TD width=7%></TD>
     <TD width=2%></TD>
     <TD width=4%></TD>
     <TD width=4%></TD>
     <TD width=2%></TD>
     <TD width=57%></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>
	<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>
</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">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 align=left colspan=4>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">As used in 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>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">a.</FONT></TD>
	<TD align=right colspan=3>
<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 align=right colspan=3>
<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 align=right colspan=3>
<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 align=right colspan=3>
<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 align=right colspan=3>
<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 align=left colspan=3>
<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 align=right colspan=3>
<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 align=right colspan=3>
<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 align=right colspan=3>
<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 align=right colspan=3>
<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>
<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 colspan=3>
<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 align=right colspan=3>
<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 align=left colspan=3>
<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=right>
<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=right>
<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=right>
<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=right>
<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=right>
<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=right>
<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=right>
<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=right>
<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 align=center colspan=7>
<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=right>
<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=right>
<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=right>
<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=right>
<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=right>
<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=right>
<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=right>
<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=right>
<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=right>
<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=right>
<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=right>
<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=right>
<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>
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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>
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<P style="MARGIN:0px">&nbsp;</P>

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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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&nbsp;</TD>
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&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
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	<TD colspan=5>
&nbsp;</TD>
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	<TD colspan=5>
&nbsp;</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">(8</FONT></TD>
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">)</FONT></TD>
	<TD align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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>
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<TR valign="bottom">
	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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>
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	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left colspan=2>
<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 align=center colspan=5>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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>
<P style="MARGIN:0px">&nbsp;</P>
<DIV align="left">
<TABLE border=0 cellspacing=0>
<TR>
     <TD width=55%></TD>
     <TD width=44%></TD></TR>
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<FONT size=1 face="Arial,Arial,Helvetica,sans-serif">ICAP Bond (5-98)</FONT></TD>
	<TD align=left>
&nbsp;</TD>
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<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>
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<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>
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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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&nbsp;</TD>
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&nbsp;</TD>
</TR>
<TR>
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&nbsp;</TD>
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<TR>
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&nbsp;</TD>
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<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>
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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>
<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>
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	<TD align=left>
&nbsp;</TD>
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&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>
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	<TD align=left>
&nbsp;</TD>
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&nbsp;</TD>
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">purpose.</FONT></TD>
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	<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>
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	<TD align=left>
&nbsp;</TD>
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&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>
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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">on the DECLARATIONS.</FONT></TD>
</TR>
<TR>
	<TD colspan=3>
&nbsp;</TD>
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<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>
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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">financial institution in the United States of America.</FONT></TD>
</TR>
<TR>
	<TD colspan=3>
&nbsp;</TD>
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	<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>
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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">Section 37 of the Investment Company Act of 1940.</FONT></TD>
</TR>
<TR>
	<TD colspan=3>
&nbsp;</TD>
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	<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>
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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">note, stock, treasury stock, bond, debenture, evidence of indebtedness,</FONT></TD>
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<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>
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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">subscription, transferable share, investment contract, voting trust certificate,</FONT></TD>
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<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>
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<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>
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<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>
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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">interest or participation in, temporary or interim certificate for, receipt for,</FONT></TD>
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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">guarantee of, or warrant or right to subscribe to or purchase any of the</FONT></TD>
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	<TD align=left>
&nbsp;</TD>
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&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>
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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">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>
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<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>
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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">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>
<P style="MARGIN:0px">&nbsp;</P>
<DIV align="left">
<TABLE border=0 cellspacing=0>
<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 10 of 19</FONT></TD>
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     <TD width=4%></TD>
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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>
</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=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>
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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>
<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">subsidiaries.</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">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 align=left colspan=2>
<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 align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left colspan=2 style="border-bottom:1px solid #000000;">
<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 align=left colspan=2>
<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 border=0 cellspacing=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>
<P style="MARGIN:0px">&nbsp;</P>

<HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</div>



<!--$$/page=-->
<A name="page_17"></A><BR>

<DIV align="left">
<TABLE border=0 cellspacing=0>
<TR>
     <TD width=23%></TD>
     <TD width=4%></TD>
     <TD width=2%></TD>
     <TD width=4%></TD>
     <TD width=4%></TD>
     <TD width=2%></TD>
     <TD width=4%></TD>
     <TD width=53%></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>
	<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 align=right colspan=4>
<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 align=right colspan=4>
<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 align=right colspan=4>
<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 align=right colspan=4>
<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 align=center colspan=8>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=right colspan=4>
<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 align=right colspan=4>
<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 align=right colspan=4>
<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 align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=right colspan=4 style="border-bottom:1px solid #000000;">
<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 align=left colspan=5>
<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=right colspan=4>
<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 align=right colspan=4>
<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 align=right colspan=4>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">directly from misplacement, mysterious unexplainable disappearance, or</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=center colspan=8>
<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 align=right colspan=4>
<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 align=right colspan=4>
<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 align=right colspan=2>
<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 align=right colspan=2>
<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 align=right colspan=2>
<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 align=right colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=right colspan=4>
<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 align=right colspan=4>
<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 align=right colspan=4>
<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 align=right colspan=4>
<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 align=right colspan=4>
<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 align=right colspan=4>
<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>
<DIV align="left">
<TABLE border=0 cellspacing=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 12 of 19</FONT></TD>
</TR>
</TABLE>
</DIV>
<P style="MARGIN:0px">&nbsp;</P>

<HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</div>



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<A name="page_18"></A><BR>

<DIV align="left">
<TABLE border=0 cellspacing=0>
<TR>
     <TD width=24%></TD>
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     <TD width=4%></TD>
     <TD width=14%></TD>
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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>
	<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>
	<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 align=left colspan=5>
<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 align=left colspan=5>
<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 align=left colspan=5>
<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 align=left colspan=5>
<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 align=left colspan=5>
<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 align=left colspan=5>
<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 align=left colspan=5>
<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 align=left colspan=5>
<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 align=left colspan=5>
<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 align=left colspan=5>
<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 align=left colspan=5>
<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 align=left colspan=5>
<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 align=left colspan=3>
<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 align=left colspan=5>
<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 align=left colspan=5>
<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 align=left colspan=5>
<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 align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left colspan=5 style="border-bottom:1px solid #000000;">
<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 align=left colspan=4>
<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 align=left colspan=5>
<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 align=left colspan=5>
<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 align=left colspan=5>
<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 align=left colspan=2>
<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 align=left colspan=3>
<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 align=left colspan=5>
<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 align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left colspan=3 style="border-bottom:1px solid #000000;">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">apply to INSURING CLAUSE 5. or 6.</FONT></TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&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 align=right colspan=6>
<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 align=right colspan=6>
<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 align=right colspan=6>
<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 align=right colspan=6>
<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 align=left colspan=5>
<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 align=left colspan=5>
<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 align=left colspan=3>
<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 align=left colspan=5>
<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 align=left colspan=5>
<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 align=left colspan=5>
<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>
<P style="MARGIN:0px">&nbsp;</P>
<DIV align="left">
<TABLE border=0 cellspacing=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 13 of 19</FONT></TD>
</TR>
</TABLE>
</DIV>
<P style="MARGIN:0px">&nbsp;</P>

<HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</div>



<!--$$/page=-->
<A name="page_19"></A><BR>

<DIV align="left">
<TABLE border=0 cellspacing=0>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left colspan=2 style="border-bottom:1px solid #000000;">
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left colspan=2 style="border-bottom:1px solid #000000;">
<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>
<P style="MARGIN:0px">&nbsp;</P>
<DIV align="left">
<TABLE border=0 cellspacing=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 14 of 19</FONT></TD>
</TR>
</TABLE>
</DIV>
<P style="MARGIN:0px">&nbsp;</P>

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<A name="page_20"></A><BR>

<DIV align="left">
<TABLE border=0 cellspacing=0>
<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">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 align=left style="border-bottom:1px solid #000000;">
<I><FONT size=2 face="Arial,Italic,Arial,Helvetica,sans-serif">(continued)</FONT></I></TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left colspan=2 style="border-bottom:1px solid #000000;">
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=center colspan=5>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 border=0 cellspacing=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>

<HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</div>



<!--$$/page=-->
<A name="page_21"></A><BR>

<DIV align="left">
<TABLE border=0 cellspacing=0>
<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 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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">Section 9, VALUATION, regardless of the value of such securities at the time 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 colspan=2>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">loss 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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left colspan=2 style="border-bottom:1px solid #000000;">
<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 align=left>
<I><FONT size=2 face="Arial,Italic,Arial,Helvetica,sans-serif">Subrogation - Assignment -</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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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>
<P style="MARGIN:0px">&nbsp;</P>
<DIV align="left">
<TABLE border=0 cellspacing=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>
<P style="MARGIN:0px">&nbsp;</P>

<HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</div>



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<A name="page_22"></A><BR>

<DIV align="left">
<TABLE border=0 cellspacing=0>
<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">Subrogation - Assignment -</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 align=left colspan=2>
<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 align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left colspan=2 style="border-bottom:1px solid #000000;">
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left colspan=2 style="border-bottom:1px solid #000000;">
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">ASSURED or pro rata if terminated for any other reason.</FONT></TD>
</TR>
</TABLE>
</DIV>
<P style="MARGIN:0px">&nbsp;</P>
<DIV align="left">
<TABLE border=0 cellspacing=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 17 of 19</FONT></TD>
</TR>
</TABLE>
</DIV>
<P style="MARGIN:0px">&nbsp;</P>

<HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</div>



<!--$$/page=-->
<A name="page_23"></A><BR>

<DIV align="left">
<TABLE border=0 cellspacing=0>
<TR>
     <TD width=23%></TD>
     <TD width=5%></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">Termination</FONT></I></TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">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">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>
<TR valign="bottom">
	<TD align=center colspan=5>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left colspan=2 style="border-bottom:1px solid #000000;">
<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>
<TR valign="bottom">
	<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 align=left colspan=2>
<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>
	<TD align=left>
&nbsp;</TD>
	<TD align=left>
&nbsp;</TD>
	<TD align=left colspan=2>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">insurance, indemnity or suretyship obtained by or on behalf 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=right>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">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">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 align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=right style="border-bottom:1px solid #000000;">
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">involved.</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">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 align=left colspan=2>
<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 align=left colspan=2>
<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>
<TR valign="bottom">
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left style="border-bottom:1px solid #000000;">
&nbsp;</TD>
	<TD align=left colspan=2 style="border-bottom:1px solid #000000;">
<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>
<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 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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<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 align=left colspan=2>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">Commission, Washington, D.C., by the acting party.</FONT></TD>
</TR>
</TABLE>
</DIV>
<P style="MARGIN:0px">&nbsp;</P>
<DIV align="left">
<TABLE border=0 cellspacing=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 18 of 19</FONT></TD>
</TR>
</TABLE>
</DIV>
<P style="MARGIN:0px">&nbsp;</P>

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<A name="page_24"></A><BR>

<DIV align="left">
<TABLE border=0 cellspacing=0>
<TR>
     <TD width=26%></TD>
     <TD width=73%></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>
</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>
<TR valign="bottom">
	<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>
<TR valign="bottom">
	<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>
<P style="MARGIN:0px">&nbsp;</P>
<DIV align="left">
<TABLE border=0 cellspacing=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 19 of 19</FONT></TD>
</TR>
</TABLE>
</DIV>
<P style="MARGIN:0px">&nbsp;</P>

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<DIV align=left>

<TABLE cellSpacing=0 border=0>



<TR>

   <TD width="81%"></TD>

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<TR vAlign=bottom>

   <TD style="TEXT-INDENT: 252.025pt" 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 style="TEXT-INDENT: 252.025pt" 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>1</FONT></TD></TR>

<TR vAlign=bottom>

   <TD style="TEXT-INDENT: 252.025pt" 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>82126582</FONT></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>NAME OF ASSURED: BANCROFT FUND LTD.</FONT></TD>

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

<TR>

   <TD colSpan=2>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD style="TEXT-INDENT: 146.905pt" align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>NAME OF ASSURED ENDORSEMENT</FONT></B></TD>

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

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>It is agreed that the NAME OF ASSURED in the DECLARATIONS is amended to read as follows:</FONT></TD></TR>

<TR vAlign=bottom>

   <TD style="TEXT-INDENT: 35.155pt" align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Bancroft Fund Ltd.</FONT></B></TD>

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

<TR vAlign=bottom>

   <TD style="TEXT-INDENT: 35.155pt" align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Ellsworth Growth and Income Fund Ltd.</FONT></B></TD>

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

<TR vAlign=bottom>

   <TD style="TEXT-INDENT: 35.155pt" align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>C/O Dinsmore Capital Management</FONT></B></TD>

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

<TR vAlign=bottom>

   <TD style="TEXT-INDENT: 35.155pt" align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>65 Madison Avenue, Suite 550</FONT></B></TD>

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

<TR vAlign=bottom>

   <TD style="TEXT-INDENT: 35.155pt" align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Morristown, NJ 07960</FONT></B></TD>

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

<TR vAlign=bottom>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>This Endorsement applies to loss discovered after 12:01 a.m. on May 1, 2015.</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 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 23, 2015</FONT></P>

<P align=center>
<IMG border=0 src="p82126582_2015x25x1.jpg"></P> <BR>

<DIV align=left>

<TABLE cellSpacing=0 border=0>



<TR>

   <TD width="61%"></TD>

   <TD width="38%"></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 17-02-0949 (Rev. 1-97)</FONT></TD>

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

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

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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: 147.14pt" 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 1, 2015</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. 82126582</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" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Issued to: BANCROFT FUND LTD.</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" align=left>&nbsp;</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="p82126582_2015x26x1.jpg"> </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>

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<TR>

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   <TD width="32%"></TD>

   <TD width="24%"></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>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 1, 2015</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>3</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>82126582</FONT></TD></TR>

<TR>

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

<TR>

   <TD colSpan=5>&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: BANCROFT FUND LTD.</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 vAlign=bottom>

   <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="p82126582_2015x26x1.jpg"> </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>

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<TR>

   <TD width="3%"></TD>

   <TD width="3%"></TD>

   <TD width="5%"></TD>

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   <TD width="61%"></TD>

   <TD width="24%"></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 style="TEXT-INDENT: 220.49pt" 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 align=left>&nbsp;</TD>

   <TD style="TEXT-INDENT: 220.49pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Endorsement 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>&nbsp;</TD>

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

   <TD style="TEXT-INDENT: 220.49pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Bond Number:</FONT></TD>

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>82126582</FONT></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>NAME OF ASSURED: BANCROFT FUND LTD.</FONT></TD>

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

<TR>

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

<TR>

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

<TR vAlign=bottom>

   <TD colSpan=6 align=center><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>TERMINATION-NONRENEWAL-NOTICE ENDORSEMENT</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>It is agreed that this Bond is amended as follows:</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=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>By adding to Section 13., Termination, the following:</FONT></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>"Termination By The Company</FONT></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>Bonds In Effect For More Than Sixty (60) Days</FONT></TD>

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

<TR vAlign=bottom>

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

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

   <TD colSpan=4 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>If this Bond has been in effect for more than sixty (60) days, or, if this Bond is a renewal, the</FONT></TD></TR>

<TR vAlign=bottom>

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

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

   <TD colSpan=4 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>COMPANY may terminate by providing written notice of cancellation at least sixty (60) days before 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>effective date of termination for at least one of the following reasons:</FONT></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>1</FONT></TD>

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

   <TD style="TEXT-INDENT: 0.839pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Nonpayment of premium;</FONT></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 style="TEXT-INDENT: 0.839pt" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Discovery of fraud or material misrepresentation in obtaining this Bond or in the presentation of 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 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>claim thereunder;</FONT></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>3</FONT></TD>

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

   <TD style="TEXT-INDENT: 0.839pt" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Discovery of willful or reckless acts or omissions or violation of any provision of this Bond on 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 style="TEXT-INDENT: 0.839pt" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>part of the ASSURED which substantially and materially increases any hazard insured against,</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 style="TEXT-INDENT: 0.839pt" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>and which occurred subsequent to the inception of the current BOND PERIOD;</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>4</FONT></TD>

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

   <TD style="TEXT-INDENT: 0.839pt" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Conviction of the ASSURED of a crime arising out of acts increasing the hazard insured against;</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>5</FONT></TD>

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

   <TD style="TEXT-INDENT: 0.839pt" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Material change in the risk which increases the risk of loss after insurance coverage has been</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 style="TEXT-INDENT: 0.839pt" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>issued or renewed, except to the extent that the COMPANY should reasonably have foreseen 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 style="TEXT-INDENT: 0.839pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>change, or contemplated the risk when the contract was written;</FONT></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>6</FONT></TD>

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

   <TD style="TEXT-INDENT: 0.839pt" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Determination by the Commissioner that the continuation of the Bond would jeopardize 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 style="TEXT-INDENT: 0.839pt" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>COMPANY'S solvency or would place the COMPANY in violation of the insurance laws 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 style="TEXT-INDENT: 0.839pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>state;</FONT></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>7</FONT></TD>

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

   <TD style="TEXT-INDENT: 0.839pt" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Determination by the Commissioner that continuation of the present premium volume of the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=6 align=center><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>COMPANY would jeopardize the COMPANY'S policyholders, creditors or the public;</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>8</FONT></TD>

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

   <TD style="TEXT-INDENT: 0.839pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Such other reasons that are approved by the Commissioner;</FONT></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>9</FONT></TD>

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

   <TD style="TEXT-INDENT: 0.839pt" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Determination by the Commissioner that the COMPANY no longer has adequate reinsurance 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>meet the ASSUREDS needs;</FONT></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>10</FONT></TD>

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

   <TD style="TEXT-INDENT: 0.839pt" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Substantial breaches of contractual duties, conditions or warranties; 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>11</FONT></TD>

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

   <TD style="TEXT-INDENT: 0.839pt" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Unfavorable underwriting facts, specific to the ASSURED, existing that were not present at 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 style="TEXT-INDENT: 0.839pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>inception of the Bond.</FONT></TD>

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

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

<DIV align=left>

<TABLE cellSpacing=0 border=0>



<TR>

   <TD width="61%"></TD>

   <TD width="38%"></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 17-02-1360 (Rev. 10-99)</FONT></TD>

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

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

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always">&nbsp;</DIV>

<!--$$/page=--><A name="page_29"></A><BR>

<DIV align=left>

<TABLE cellSpacing=0 border=0>



<TR>

   <TD width="3%"></TD>

   <TD width="96%"></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Bonds In Effect Sixty (60) Days Or Less</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>If this Bond has been in effect for sixty (60) days or less, and it is not a renewal Bond, the COMPANY</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>may terminate for any reason by providing written notice of termination at least sixty (60) days before</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the effective date of termination.</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>Notice Of Termination</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>Notice of termination under this Section shall be mailed or delivered, by certified mail, return receipt</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>provided by the United States Postal Service, to the ASSURED and to the authorized agent or broker, if</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>any, at least sixty (60) days prior to the effective date of cancellation at the address shown on the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>DECLARATIONS of this Bond.</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>If this Bond is cancelled for nonpayment of premium, the COMPANY will mail or deliver, by certified</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>mail, return receipt provided by the United States Postal Service, a written notice at least thirty (30)</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>days before the effective date of cancellation. The cancellation notice shall contain information</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>regarding the amount of premium due and the due date, and shall state the effect of nonpayment by</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the due date. Cancellation shall not be effective if payment of the amount due is made prior to the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>effective date of cancellation.</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>All notice of cancellation shall state the reason(s) for cancellation.</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>There is no liability on the part of, and no cause of action of any nature shall arise against, the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>COMPANY, its authorized representatives, its employees, or any firm, person or corporation furnishing</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>to the COMPANY, information relating to the reasons for cancellation or nonrenewal, for any statement</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>made by them in complying or enabling the COMPANY to comply with this Section, for the provision of</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>information pertaining thereto, or for statements made or evidence submitted at any hearings</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>conducted in connection therewith, if such information was provided in good faith and without malice.</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>Notice Of Nonrenewal</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>If the COMPANY elects not to renew this Bond, the COMPANY shall mail or deliver written notice, by</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>certified mail, return receipt, provided by the United States Postal Service, to the ASSURED, at his last</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>known address, at least sixty (60) days before the expiration date or before the anniversary date, if this</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Bond has been written for a term of more than one (1) year. Such notice shall also be mailed to the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ASSURED'S agent or broker, if any.</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>Such notice shall contain all of the following:</FONT></TD></TR>

<TR>

   <TD colSpan=2>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <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>Bond Number:</FONT></TD></TR>

<TR>

   <TD colSpan=2>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <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>Date of Notice;</FONT></TD></TR>

<TR>

   <TD colSpan=2>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <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>Reason for Cancellation;</FONT></TD></TR>

<TR>

   <TD colSpan=2>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <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>Expiration Date of the Bond;</FONT></TD></TR>

<TR>

   <TD colSpan=2>&nbsp;</TD></TR>

<TR vAlign=bottom>

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

   <TD align=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Effective Date and Hour of Cancellation.</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>Notice of nonrenewal shall not be required if the COMPANY or a COMPANY within the same insurance</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>group has offered to issue a renewal Bond, the ASSURED has obtained replacement coverage or has</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>agreed in writing to obtain replacement coverage, the ASSURED has requested or agreed to</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>nonrenewal, or the Bond is expressly designated as nonrenewable.</FONT></TD></TR></TABLE></DIV>

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<TR>

   <TD width="61%"></TD>

   <TD width="38%"></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 17-02-1360 (Rev. 10-99)</FONT></TD>

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

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

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<TABLE cellSpacing=0 border=0>



<TR>

   <TD width="3%"></TD>

   <TD width="3%"></TD>

   <TD width="93%"></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>Return Premium Calculations</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>Any unearned premiums which have been paid by the ASSURED shall be refunded to 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>on a pro rata basis if terminated by the COMPANY or the ASSURED. The unearned premiums shall</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>be refunded to the ASSURED within forty-five (45) days of receipt of the request for cancellation or 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>effective date of cancellation, whichever is later.</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>Conditional Renewal</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>If the COMPANY offers or purports to renew the Bond, but on less favorable terms or at higher rates,</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 new terms or higher premiums may take effect on the renewal date, if the COMPANY mails 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>delivers by certified mail, return receipt provided by the United States Postal Service, to 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>notice of the new terms or premiums at least sixty (60) days prior to the renewal date. If 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>COMPANY notifies the ASSURED within sixty (60) days prior to the renewal date, the new terms 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>premiums do not take effect until sixty (60) days after the notice is mailed or delivered, in which case,</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 ASSURED may elect to cancel the renewal Bond within the sixty (60) day period. If the COMPANY</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>does not notify the ASSURED of the new terms or premiums, the COMPANY shall continue the Bond</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>at the expiring terms and premiums until notice is given or until the effective date of replacement</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>coverage is obtained by the ASSURED, whichever </FONT><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>occurs first.&#8221;</FONT></TD></TR>

<TR>

   <TD colSpan=3>&nbsp;</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 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>It is further understood and agreed that for the purposes of Section 13., Termination, any occurrence</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>listed in this Section shall be considered to be a request by the ASSURED to immediately terminate this</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>Bond.</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 1, 2015.</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>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 23, 2015</FONT></P>

<P align=center>
<IMG border=0 src="p82126582_2015x25x1.jpg"></P><BR>

<DIV align=left>

<TABLE cellSpacing=0 border=0>



<TR>

   <TD width="61%"></TD>

   <TD width="38%"></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 17-02-1360 (Rev. 10-99)</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Page 3</FONT></TD></TR></TABLE></DIV>

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

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<A name="page_31"></A><BR>

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<TABLE cellSpacing=0 border=0>



<TR>

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<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 1, 2015</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>5</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>82126582</FONT></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: BANCROFT FUND LTD.</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=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-1 of the Inves</FONT><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>tment 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="p82126582_2015x26x1.jpg"> </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>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always">&nbsp;</DIV>

<!--$$/page=--><A name="page_32"></A><BR>

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<TABLE cellSpacing=0 border=0>



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

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

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

   <TD style="TEXT-INDENT: 29.279pt" align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>ENDORSEMENT/RIDER</FONT></B></TD></TR>

<TR>

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

<TR vAlign=bottom>

   <TD colSpan=4 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>

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

<TR vAlign=bottom>

   <TD colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>this endorsement/rider: May 1, 2015</FONT></TD>

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>FEDERAL INSURANCE COMPANY</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=left>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Endorsement/Rider No.</FONT></TD>

   <TD style="TEXT-INDENT: 0.6pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>6</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=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>&nbsp;</TD>

   <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=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>82126582</FONT></TD></TR>

<TR>

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

<TR>

   <TD colSpan=7>&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:</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>BANCROFT FUND LTD.</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=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 colSpan=3 align=center><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>FRAUDULENT TRANSFER INSTRUCTIONS ENDORSEMENT</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=center><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>(For use with the ICAP bond)</FONT></TD>

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

<TR>

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

<TR vAlign=bottom>

   <TD colSpan=7 align=left><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>

   <TD colSpan=7>&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=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The following Insuring Clause is added:</FONT></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 colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>FRAUDULENT TRANSFER INSTRUCTIONS</FONT></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 colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Loss resulting directly from the ASSURED having, in good faith, transferred money on deposit in</FONT></TD></TR>

<TR vAlign=bottom>

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

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

   <TD colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>a </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Customer&#8217;s </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>account, or a </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Customer&#8217;s </FONT></B><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Certificated Security </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Uncertificated Security</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 colSpan=5 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>reliance upon a fraudulent instruction transmitted to the ASSURED via telefacsimile, telephone or</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>electronic mail; provided, however, that:</FONT></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><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>A.</FONT></TD>

   <TD style="TEXT-INDENT: 2.4pt" colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the fraudulent instruction purports, and reasonably appears, to have originated from:</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: 2.4pt" 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>such </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Customer</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 style="TEXT-INDENT: 2.4pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ii.</FONT></TD>

   <TD colSpan=2 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>acting on instructions of such </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Customer</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>, or</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: 2.4pt" align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>iii.</FONT></TD>

   <TD colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>another financial institution acting on behalf of such </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Customer </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>with authority to make 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><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>instructions; and</FONT></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><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>B.</FONT></TD>

   <TD style="TEXT-INDENT: 2.4pt" colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the sender of the fraudulent instruction verified the instruction with the password, PIN, or</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: 2.4pt" colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>other security code of such </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>

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

   <TD style="TEXT-INDENT: 2.4pt" colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the sender was not, in fact, such </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Customer</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>, was not authorized to act on behalf of such</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: 2.4pt" 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>, and was 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>; and</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><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>D.</FONT></TD>

   <TD style="TEXT-INDENT: 2.4pt" colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the instruction was received 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>specifically 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 style="TEXT-INDENT: 2.4pt" colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>receive and act upon such instructions; and</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><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>E.</FONT></TD>

   <TD style="TEXT-INDENT: 2.4pt" colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>for any transfer exceeding the amount set forth in paragraph (8) of this endorsement, the</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=7 align=center><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ASSURED verified the instructions via a call back to a predetermined telephone number set</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: 2.4pt" colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>forth in the ASSURED&#8217;s w</FONT><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>ritten agreement with such </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Customer </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or other verification</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: 2.4pt" colSpan=3 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>procedure approved in writing by the COMPANY; and</FONT></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>14-02-21330 (10/2014)</FONT></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Page 1</FONT></P>

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<DIV style="PAGE-BREAK-BEFORE: always">&nbsp;</DIV>

<!--$$/page=--><A name="page_33"></A><BR>

<DIV align=left>

<TABLE cellSpacing=0 border=0>



<TR>

   <TD width="4%"></TD>

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   <TD width="5%"></TD>

   <TD width="2%"></TD>

   <TD width="2%"></TD>

   <TD width="81%"></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>F.</FONT></TD>

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

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the ASSURED preserved a contemporaneous record of the call back, if any, and the instruction 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>verifies use of the authorized password, PIN or other security code of the </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Customer</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=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>For the purposes of the coverage afforded by this endorsement, the following terms shall have</FONT></TD></TR>

<TR vAlign=bottom>

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

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

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the following meanings:</FONT></TD></TR>

<TR>

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

<TR vAlign=bottom>

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

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

   <TD colSpan=4 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Certificated Security </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>means a share, participation or other interest in property of, or an</FONT></TD></TR>

<TR vAlign=bottom>

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

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

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>enterprise of, the issuer or an obligation of the issuer, which is:</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=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>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>represented by an instrument issued in bearer or registered form, and</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=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>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>of a type commonly dealt in on securities exchanges or markets or commonly recognized</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><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>in any area in which it is issued or dealt in as a medium for investment, and</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=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>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>either one of a class or series or by its terms divisible into a class or series of shares,</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><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>participations, interests or obligations.</FONT></TD></TR>

<TR>

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

<TR vAlign=bottom>

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

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

   <TD colSpan=4 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 any individual, corporate partnership, proprietor, trust customer, shareholder or</FONT></TD></TR>

<TR vAlign=bottom>

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

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

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>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 agreement with the ASSURED</FONT></TD></TR>

<TR vAlign=bottom>

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

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

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>authorizing the ASSURED to transfer </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Money </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>on deposit in an account or </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Certificated Security</FONT></B></TD></TR>

<TR vAlign=bottom>

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

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

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Uncertificated Security </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>in reliance upon instructions transmitted to the ASSURED via</FONT></TD></TR>

<TR vAlign=bottom>

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

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

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>telefacsimile, telephone or electronic mail to transmit the fraudulent instruction.</FONT></TD></TR>

<TR>

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

<TR vAlign=bottom>

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

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

   <TD colSpan=4 align=left><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Uncertificated Security </FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>means a share, participation or other interest in property of or an</FONT></TD></TR>

<TR vAlign=bottom>

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

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

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>enterprise of the issuer or an obligation of the issuer, which is:</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=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>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>not represented by an instrument and the transfer of which is registered on books</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><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>maintained for that purpose by or on behalf of the issuer, and</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=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>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>of a type commonly dealt in on securities exchanges or markets, and</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=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>&nbsp;</TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>either one of a class or series or by its terms divisible into a class or series of shares,</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><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>participations, interests or obligations.</FONT></TD></TR>

<TR>

   <TD colSpan=6>&nbsp;</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 colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>It shall be a condition precedent to coverage under this Insuring Clause that the ASSURED</FONT></TD></TR>

<TR vAlign=bottom>

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

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

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>assert any available claims, offsets or defenses against such </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Customer</FONT></B><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>, any financial institution</FONT></TD></TR>

<TR vAlign=bottom>

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

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

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>or any other party to the transaction.</FONT></TD></TR>

<TR>

   <TD colSpan=6>&nbsp;</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 colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Solely with respect to the Fraudulent Transfer Instruction Insuring Clause, the following</FONT></TD></TR>

<TR vAlign=bottom>

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

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

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Exclusions are added:</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=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>A.</FONT></TD>

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

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Loss resulting directly or indirectly from a fraudulent instruction if the sender, or 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 colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>acting in collusion with the sender, ever had authorized access to such </FONT><B><FONT size=2 face=Arial,Bold,Arial,Helvetica,sans-serif>Customer&#8217;s</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><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>password, PIN or other security code; and</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=right><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>B.</FONT></TD>

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

   <TD colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Loss resulting directly or indirectly from the fraudulent alteration of an instruction to initiate 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 colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>automated clearing house (ACH) entry, or group of ACH entries, transmitted as an electronic</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>message, or as an attachment to an electronic message, sent via the internet, unless:</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>i.</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>each ACH entry was individually verified via the call back procedure without regard to 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><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>amount of the entry; 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>ii.</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>the instruction was formatted, encoded or encrypted so that any altercation in the ACH</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><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>entry or group of ACH entries would be apparent to the ASSURED.</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>14-02-21330 (10/2014)</FONT></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Page 2</FONT></P>

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<A name="page_34"></A><BR>

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<TABLE cellSpacing=0 border=0>



<TR>

   <TD width="4%"></TD>

   <TD width="2%"></TD>

   <TD width="6%"></TD>

   <TD width="85%"></TD></TR>

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   <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=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Solely with respect to the Fraudulent Transfer Instruction Insuring Clause, Exclusion 2.k. 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>deleted and replaced with the following:</FONT></TD></TR>

<TR>

   <TD colSpan=4>&nbsp;</TD></TR>

<TR>

   <TD colSpan=4>&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>k.</FONT></TD>

   <TD align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>loss resulting from voice requests or instructions received over the telephone, provided</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=4 align=center><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>however, this Section 2.k. shall not apply to INSURING CLAUSE 7. or 9. or 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><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Fraudulent Transfer Instruction Insuring Clause.</FONT></TD></TR>

<TR>

   <TD colSpan=4>&nbsp;</TD></TR>

<TR>

   <TD colSpan=4>&nbsp;</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 colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>For the purposes of the Fraudulent Transfer Instruction Insuring Clause, all loss or losses</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>involving one natural person or entity, or one group of natural persons or entities acting together,</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>shall be a Single Loss without regard to the number of transfers or the number of instructions</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>involved.</FONT></TD></TR>

<TR>

   <TD colSpan=4>&nbsp;</TD></TR>

<TR>

   <TD colSpan=4>&nbsp;</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 colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>For the purposes of the Fraudulent Transfer Instruction Insuring Clause, the Single Loss Limit of</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>Liability shall be $ 1,050,000. The Deductible Amount shall be $ 50,000.</FONT></TD></TR>

<TR>

   <TD colSpan=4>&nbsp;</TD></TR>

<TR>

   <TD colSpan=4>&nbsp;</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 colSpan=2 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>The amount of any single transfer for which verification via call back will be required is: $ 50,000.</FONT></TD></TR>

<TR>

   <TD colSpan=4>&nbsp;</TD></TR>

<TR>

   <TD colSpan=4>&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 and</FONT></TD></TR>

<TR vAlign=bottom>

   <TD colSpan=4 align=left><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>conditions of coverage.</FONT></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="p82126582_2015x26x1.jpg"> </P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>14-02-21330 (10/2014)</FONT></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial,Arial,Helvetica,sans-serif>Page 3</FONT></P>

<HR align=center width="100%" noshade SIZE=2>

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<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=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">You are hereby notified that, under the Terrorism Risk Insurance Act (the &#147;Act&#148;), effective</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">December 26, 2007, this policy makes available to you insurance for losses arising out of</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">certain acts of terrorism. Terrorism is defined as any act certified by the Secretary of the</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">Treasury, in concurrence with the Secretary of State and the Attorney General of the</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">United States, to be an act of terrorism; to be a violent act or an act that is dangerous to</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">human life, property or infrastructure; to have resulted in damage within the United</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">States, or outside the United States in the case of an air carrier or vessel or the premises</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">of a United States Mission; and to have been committed by an individual or individuals as</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">part of an effort to coerce the civilian population of the United States or to influence the</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">policy 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.</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 Program Year (January 1 through December 31), the Treasury</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">shall not make any payment for any portion of the amount of such losses that exceeds</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">&#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. 1/2003)</FONT></P>

<HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</div>



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<A name="page_4"></A><BR>

<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 Program Year (January 1 through December 31) and we have met our</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">insurer deductible under the Act, we shall not be liable for the payment of any portion of</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">the amount of such losses that exceeds &#36;100 billion, and in such case insured losses up</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">to that amount are subject to pro rata allocation in accordance with procedures</FONT></TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=3 face="Arial,Arial,Helvetica,sans-serif">established by the Secretary of the 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 policy&#146;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. 1/2003)</FONT></P>

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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
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<DIV align="left">
<TABLE border=0 cellspacing=0>
<TR>
     <TD width=99%></TD></TR>
<TR valign="bottom">
	<TD align=center>
<B><I><FONT size=2 face="Arial,BoldItalic,Arial,Helvetica,sans-serif">Important Notice:</FONT></I></B></TD>
</TR>
<TR>
	<TD>
&nbsp;</TD>
</TR>
<TR>
	<TD>
&nbsp;</TD>
</TR>
<TR>
	<TD>
&nbsp;</TD>
</TR>
<TR valign="bottom">
	<TD align=left>
<B><FONT size=2 face="Arial,Bold,Arial,Helvetica,sans-serif">The SEC Requires Proof of Your Fidelity Insurance Policy</FONT></B></TD>
</TR>
<TR>
	<TD>
&nbsp;</TD>
</TR>
<TR valign="bottom">
	<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>
</TR>
<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>
</TR>
<TR valign="bottom">
	<TD align=left>
<FONT size=2 face="Arial,Arial,Helvetica,sans-serif">rules adopted by the SEC on June 12, 2006.</FONT></TD>
</TR>
<TR>
	<TD>
&nbsp;</TD>
</TR>
<TR valign="bottom">
	<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>
</TR>
<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>
</TR>
<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>
</TR>
<TR valign="bottom">
	<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>



<HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</div>

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<A name="page_1"></A><BR>

<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>
<HR noshade align="center" width="100%" size=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=center><FONT face="Times New Roman" size=2>ELLSWORTH GROWTH AND INCOME
FUND LTD.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>RESOLUTIONS ADOPTED AT A
MEETING</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>OF THE BOARD OF
TRUSTEES</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>April 20, 2015</FONT></P>
<P align=left><FONT face="Times New Roman" size=2>At a meeting of the Board of
Trustees, the following resolutions were adopted by unanimous vote, including
the votes of a majority of the members of the Board of Trustees who are not
&#147;interested persons&#148; as defined in Section 2(a) (19) of the Investment Company
Act of 1940: </FONT></P>
<P style="PADDING-LEFT: 30pt" align=left><B><FONT face="Times New Roman" size=2>RESOLVED</FONT></B><FONT face="Times New Roman" size=2>, that having
considered the value of the aggregate assets of the Funds, and the provisions of
Rule 17g-1 promulgated under the Investment Company Act of 1940 (the &#147;1940
Act&#148;), the Boards of Trustees, including all of those Trustees who are not
&#147;interested persons&#148; of the Funds within the meaning of the 1940 Act, hereby
authorize and approve joint fidelity bond coverage for the Funds with the Funds&#146;
investment adviser, Dinsmore Capital Management Co., in the amount of $1,050,000
through Federal Insurance Company c/o Chubb Group, and find that the form,
terms, amount of coverage and provisions of the joint fidelity bond are adequate
in all material respects for the forthcoming year;</FONT></P>
<P style="PADDING-LEFT: 30pt" align=left><B><FONT face="Times New Roman" size=2>FURTHER RESOLVED</FONT></B><FONT face="Times New Roman" size=2>, that
having considered the nature of the business of Dinsmore Capital Management Co.,
the extent of its assets and the fact that the Funds&#146; officers have informed the
Boards of Trustees that the Funds&#146; share amounts of the premium for the
forthcoming year&#146;s coverage for the joint fidelity bond will not exceed the
premium for a single fidelity bond in the same principal amount, the Boards of
Trustees, including all of the Trustees who are not &#147;interested persons&#148; of the
Funds within the meaning of the 1940 Act, hereby determine that the premium for
the joint fidelity bond for the forthcoming year shall be allocated solely
between the Funds on the basis of relative total assets;</FONT></P>
<P style="PADDING-LEFT: 30pt" align=left><B><FONT face="Times New Roman" size=2>FURTHER RESOLVED</FONT></B><FONT face="Times New Roman" size=2>, that the
Boards of Trustees hereby approve the portion of the premium for the joint
fidelity bond to be paid by each Fund, based upon the ratio of the total assets
of such Fund to the aggregate total assets of the Funds; and </FONT></P>
<P style="PADDING-LEFT: 30pt" align=left><B><FONT face="Times New Roman" size=2>FURTHER RESOLVED</FONT></B><FONT face="Times New Roman" size=2>, that the
Chief Financial Officer of the Funds be and he hereby is authorized and directed
to file, or cause to be filed the joint fidelity bond and any other documents
required to be filed with the Securities and Exchange Commission and to give
notice of any changes in the coverage or of other events which require notice
under the provisions of Section 17(g) and Rule 17g-1 promulgated under the 1940
Act.</FONT></P>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="Times New Roman" size=2>I, Gary I. Levine, the duly
elected Executive Vice President, Chief Financial Officer and Secretary of
Ellsworth Growth and Income Fund Ltd., a Delaware statutory trust, hereby
certify the foregoing to be a true copy of the resolutions adopted at a meeting
of the Board of Trustees of Ellsworth on April 20, 2015, at which meeting a
quorum of the Board was present and voted on the resolutions. I further certify
that said resolutions continue in full force and effect.</FONT></P>
<TABLE style="FONT-SIZE: 10pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><FONT face="Times New Roman" size=2>ATTEST:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD vAlign=top noWrap align=left width="99%"><FONT face="Times New Roman" size=2>/s/ Gary I.
      Levine</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=left width="99%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=left width="99%"><FONT face="Times New Roman" size=2>Gary I.
      Levine</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=left width="99%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=left width="99%"><FONT face="Times New Roman" size=2>Executive Vice
      President, Chief Financial Officer and Secretary</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=left width="99%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=left width="99%"><FONT face="Times New Roman" size=2>Morristown, New
      Jersey</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=left width="99%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=left width="99%"><FONT face="Times New Roman" size=2>May 1,
    2015</FONT></TD></TR></TABLE><BR>
<HR style="BORDER-TOP: black 1pt solid; HEIGHT: 1pt" align=left width="100%" noShade>

<P align=left><B><FONT face="Times New Roman" size=2>JOINT INSURED BOND
AGREEMENT<BR></FONT></B></P>
<P align=left><FONT face="Times New Roman" size=2>THIS AGREEMENT is
dated as of May 1, 2015 by and among Bancroft Fund Ltd., Ellsworth Growth and
Income Fund Ltd. and Dinsmore Capital Management Co. (the &#147;Adviser&#148;). Bancroft
Fund Ltd. and Ellsworth Growth and Income Fund Ltd. are collectively referred to
as the &#147;Funds.&#148; </FONT></P>
<P align=left><FONT face="Times New Roman" size=2>Pursuant to the provisions of
Rule 17g-1 (f) of the Investment Company Act of 1940 (the &#147;1940 Act&#148;), the
parties hereto agree that in the event recovery is received under the joint
surety bond issued by Federal Insurance Company c/o Chubb Group (&#147;Chubb&#148;) as a
result of loss sustained by the parties hereto, each of the parties to this
Agreement shall receive an equitable and proportionate share of the recovery, at
least equal to the amount it would have received had it provided and maintained
a single insured bond with the minimum coverage required by Rule 17g-1 (d) (1)
under the 1940 Act. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2>Bancroft Fund Ltd.</FONT></P>
<P align=left><FONT face="Times New Roman" size=2>By: /s/ Thomas H.
Dinsmore<BR>Chairman of the Board and<BR>Chief Executive Officer </FONT></P>
<P align=left><FONT face="Times New Roman" size=2>Ellsworth Growth and Income
Fund Ltd.</FONT></P>
<P align=left><FONT face="Times New Roman" size=2>By: /s/ Thomas H.
Dinsmore<BR>Chairman of the Board and<BR></FONT><FONT face="Times New Roman" size=2>Chief Executive Officer</FONT></P>
<P align=left><FONT face="Times New Roman" size=2>Dinsmore Capital Management
Co.</FONT></P>
<P align=left><FONT face="Times New Roman" size=2>By: /s/ Jane D.
O'Keeffe<BR>President</FONT></P>
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`
end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
