<SEC-DOCUMENT>0001140361-19-022579.txt : 20191216
<SEC-HEADER>0001140361-19-022579.hdr.sgml : 20191216
<ACCEPTANCE-DATETIME>20191216123947
ACCESSION NUMBER:		0001140361-19-022579
CONFORMED SUBMISSION TYPE:	40-17G
PUBLIC DOCUMENT COUNT:		4
FILED AS OF DATE:		20191216
DATE AS OF CHANGE:		20191216
EFFECTIVENESS DATE:		20191216

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			EAGLE CAPITAL GROWTH FUND, INC.
		CENTRAL INDEX KEY:			0000850027
		IRS NUMBER:				311274796
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-05807
		FILM NUMBER:		191286505

	BUSINESS ADDRESS:	
		STREET 1:		225 EAST MASON STREET
		STREET 2:		SUITE 802
		CITY:			MILWAUKEE
		STATE:			WI
		ZIP:			53202
		BUSINESS PHONE:		414-765-1107

	MAIL ADDRESS:	
		STREET 1:		225 EAST MASON STREET
		STREET 2:		SUITE 802
		CITY:			MILWAUKEE
		STATE:			WI
		ZIP:			53202

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	NAIC GROWTH FUND INC
		DATE OF NAME CHANGE:	19920703

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BETTER INVESTING FUND INC
		DATE OF NAME CHANGE:	19890716
</SEC-HEADER>
<DOCUMENT>
<TYPE>40-17G
<SEQUENCE>1
<FILENAME>form4017g.htm
<DESCRIPTION>40-17G
<TEXT>
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              <td align="left" colspan="3"><font size="2" face="Arial,Arial,Helvetica,sans-serif">ROBERTSON RYAN &amp; ASSOCIATES INC</font></td>
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              <td align="left"><font size="2" face="Arial,Arial,Helvetica,sans-serif">ATTN:</font></td>
              <td align="left" colspan="2"><font size="2" face="Arial,Arial,Helvetica,sans-serif">GAIL PETERS</font></td>
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              <td align="left" colspan="3"><font size="2" face="Arial,Arial,Helvetica,sans-serif">330 E. KILBOURN #650</font></td>
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              <td align="left" colspan="3"><font size="2" face="Arial,Arial,Helvetica,sans-serif">MILWAUKEE, WI 53202</font></td>
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              <td align="left" colspan="2"><b><i><font size="3" face="Arial,BoldItalic,Arial,Helvetica,sans-serif">INSURED:</font></i></b></td>
              <td align="left"><font size="2" face="Times New Roman,Arial,Helvetica,sans-serif">EAGLE CAPITAL GROWTH FUND INC</font></td>
            </tr>
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              <td align="left" colspan="2"><b><i><font size="3" face="Arial,BoldItalic,Arial,Helvetica,sans-serif">PRODUCT:</font></i></b></td>
              <td align="left"><b><i><font size="3" face="Arial,BoldItalic,Arial,Helvetica,sans-serif">DFIBond</font></i></b></td>
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              <td align="left" colspan="2"><b><i><font size="3" face="Arial,BoldItalic,Arial,Helvetica,sans-serif">POLICY NO:</font></i></b></td>
              <td align="left"><font size="2" face="Times New Roman,Arial,Helvetica,sans-serif">82302675</font></td>
            </tr>
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              <td align="left" colspan="2"><b><i><font size="3" face="Arial,BoldItalic,Arial,Helvetica,sans-serif">TRANSACTION:</font></i></b></td>
              <td align="left"><font size="2" face="Times New Roman,Arial,Helvetica,sans-serif">RENL</font></td>
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              <td align="left" colspan="5"> <b><font size="2" face="Arial,Bold,Arial,Helvetica,sans-serif">Chubb Group of Insurance Companies</font></b></td>
              <td align="left"> &#160;</td>
              <td align="left" style="TEXT-INDENT:71.079987pt" colspan="3"> <b><font size="3" face="Arial,Bold,Arial,Helvetica,sans-serif">DECLARATIONS</font></b></td>
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              <td align="left" colspan="4"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">202</font><font size="2" face="Arial,Arial,Helvetica,sans-serif">B Hall&#8217;s Mill Road</font></td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" style="TEXT-INDENT:71.079987pt" colspan="3"> <b><font size="3" face="Arial,Bold,Arial,Helvetica,sans-serif">FINANCIAL INSTITUTION INVESTMENT</font></b></td>
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              <td align="left" colspan="4"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">Whitehouse Station, NJ 08889</font></td>
              <td align="left"> &#160;</td>
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              <td align="left" style="TEXT-INDENT:71.079987pt" colspan="3"> <b><font size="3" face="Arial,Bold,Arial,Helvetica,sans-serif">COMPANY ASSET PROTECTION BOND</font></b></td>
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              <td colspan="9"> &#160;</td>
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              <td align="left" colspan="5"> <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>
              <td align="left"> &#160;</td>
              <td align="left" style="TEXT-INDENT:71.079987pt"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">Bond Number:</font></td>
              <td align="left" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">82302675</font></td>
            </tr>
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              <td colspan="9"> &#160;</td>
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              <td align="left" colspan="5"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">EAGLE CAPITAL GROWTH FUND INC</font></td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
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              <td align="left" colspan="4"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">225 EAST MASON STR., STE 802</font></td>
              <td align="left"> &#160;</td>
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              <td align="left" style="TEXT-INDENT:71.079987pt" colspan="3"> <b><font size="2" face="Arial,Bold,Arial,Helvetica,sans-serif">FEDERAL INSURANCE COMPANY</font></b></td>
            </tr>
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              <td align="left" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">MILWAUKEE, WI</font></td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">53202</font></td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" style="TEXT-INDENT:71.079987pt" colspan="3"> <font size="1" face="Arial,Arial,Helvetica,sans-serif">Incorporated under the laws of Indiana</font></td>
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              <td align="left"> &#160;</td>
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              <td align="left" style="TEXT-INDENT:71.079987pt" colspan="3"> <font size="1" face="Arial,Arial,Helvetica,sans-serif">a stock insurance company herein called the COMPANY</font></td>
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              <td align="left" style="TEXT-INDENT:71.079987pt" colspan="3"> <font size="1" face="Arial,Arial,Helvetica,sans-serif">Capital Center, 251 North Illinois, Suite 1100</font></td>
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              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;" colspan="3"> <font size="1" face="Arial,Arial,Helvetica,sans-serif">Indianapolis, IN 46204-1927</font></td>
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              <td align="left"> <b><font size="2" face="Arial,Bold,Arial,Helvetica,sans-serif">ITEM 1.</font></b></td>
              <td align="left" colspan="3"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">BOND PERIOD: from</font></td>
              <td align="right"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">12:01 a.m. on</font></td>
              <td align="left" style="TEXT-INDENT:3.839966pt" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">January 1, 2020</font></td>
              <td align="left"> &#160;</td>
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              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" style="TEXT-INDENT:60.040009pt"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">to</font></td>
              <td align="right"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">12:01 a.m. on</font></td>
              <td align="left" style="TEXT-INDENT:3.839966pt" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">January 1, 2021</font></td>
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              <td align="left"> <b><font size="2" face="Arial,Bold,Arial,Helvetica,sans-serif">ITEM 2.</font></b></td>
              <td align="left" colspan="6"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">LIMITS OF LIABILITY--DEDUCTIBLE AMOUNTS:</font></td>
              <td align="left"> &#160;</td>
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              <td colspan="9"> &#160;</td>
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              <td align="left" colspan="8"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">If &#8220;Not Covered&#8221; is inserted below opposite any specified INSURING CLAUSE, such INSURING CLAUSE and</font></td>
            </tr>
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              <td align="left"> &#160;</td>
              <td align="left" colspan="8"> <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>
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              <td align="left"> &#160;</td>
              <td align="left" colspan="6"> <b><font size="2" face="Arial,Bold,Arial,Helvetica,sans-serif">under INSURING CLAUSE 1. sustained by any Investment Company.</font></b></td>
              <td align="left"> &#160;</td>
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            <tr>
              <td colspan="9"> &#160;</td>
            </tr>
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              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
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              <td align="left"> &#160;</td>
              <td align="left" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">SINGLE LOSS</font></td>
              <td align="left" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">DEDUCTIBLE</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;" colspan="3"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">INSURING CLAUSE</font></td>
              <td align="left"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">LIMIT OF LIABILITY</font></td>
              <td align="left" style="border-bottom:1px solid #000000;" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">AMOUNT</font></td>
            </tr>
            <tr>
              <td colspan="9"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</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" style="TEXT-INDENT:1.919998pt"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">Employee</font></td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">$</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">350,000</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">$</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">5,000</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</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" style="TEXT-INDENT:1.919998pt"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">On Premises</font></td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">$</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">350,000</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">$</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">5,000</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</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:1.919998pt"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">In Transit</font></td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">$</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">350,000</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">$</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">5,000</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</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" style="TEXT-INDENT:1.919998pt" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">Forgery or Alteration</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">$</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">350,000</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">$</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">5,000</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</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" style="TEXT-INDENT:1.919998pt" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">Extended Forgery</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">$</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">350,000</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">$</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">5,000</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</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" style="TEXT-INDENT:1.919998pt" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">Counterfeit Money</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">$</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">350,000</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">$</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">5,000</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</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" style="TEXT-INDENT:1.919998pt" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">Threats to Person</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">$</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">Not Covered</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">$</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">N/A</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</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" style="TEXT-INDENT:1.919998pt" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">Computer System</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">$</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">350,000</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">$</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">5,000</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</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" style="TEXT-INDENT:1.919998pt" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">Voice Initiated Funds</font></td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" style="TEXT-INDENT:1.919998pt" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">Transfer Instruction</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">$</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">350,000</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">$</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">5,000</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</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" style="TEXT-INDENT:1.919998pt" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">Uncollectible Items of Deposit</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">$</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">Not Covered</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">$</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">N/A</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</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" style="TEXT-INDENT:1.919998pt"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">Audit Expense</font></td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">$</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">Not Covered</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">$</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">N/A</font></td>
            </tr>
            <tr>
              <td colspan="9"> &#160;</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="left" colspan="8"> <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"> &#160;</td>
              <td align="left" colspan="6"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">ENDORSEMENTS EXECUTED SIMULTANEOUSLY HEREWITH:</font></td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
            </tr>
            <tr>
              <td colspan="9"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">1-2</font></td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
            </tr>

        </table>
      </div>
      <p style="MARGIN:0px">&#160;</p>
    </div>
    <div style="PADDING-RIGHT: 0%; PADDING-LEFT: 0%"> <img src="p82302675_2019x2x1.jpg"></div>
    <div style="PADDING-RIGHT: 0%; PADDING-LEFT: 0%">&#160; <br>
      <div align="left">
        <table cellspacing="0" border="0" id="z4adf4e49ec6d48c29199149a62d950f3">

            <tr>
              <td width="55%"><br>
              </td>
              <td width="44%"><br>
              </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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> <font size="1" face="Arial,Arial,Helvetica,sans-serif">Form 17-02-1421 (Ed. 5-98)</font></td>
              <td align="left"> <font size="1" face="Arial,Arial,Helvetica,sans-serif">Page 1 of 1</font></td>
            </tr>

        </table>
      </div>
      <p style="MARGIN:0px">&#160;</p>
    </div>
    <hr width="100%" noshade="noshade" size="2" align="center">
    <div style="page-break-before: always">&#160;</div>
    <a name="page_3"></a><br>
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    <div style="PADDING-RIGHT: 0%; PADDING-LEFT: 0%">
      <div align="left">
        <table cellspacing="0" border="0" id="zc13b529ce602464d9bd4bbf096b7a3a7">

            <tr>
              <td width="20%"><br>
              </td>
              <td width="7%"><br>
              </td>
              <td width="2%"><br>
              </td>
              <td width="3%"><br>
              </td>
              <td width="4%"><br>
              </td>
              <td width="2%"><br>
              </td>
              <td width="57%"><br>
              </td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</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"> &#160;</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"> &#160;</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"> &#160;</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;"> &#160;</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;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
            </tr>
            <tr>
              <td colspan="7"> &#160;</td>
            </tr>
            <tr>
              <td colspan="7"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
            </tr>
            <tr>
              <td colspan="7"> &#160;</td>
            </tr>
            <tr>
              <td colspan="7"> &#160;</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" style="border-bottom:1px solid #000000;" colspan="7"> <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="noshade" size="1"></td>
            </tr>
            <tr>
              <td colspan="7"> &#160;</td>
            </tr>
            <tr>
              <td colspan="7"> &#160;</td>
            </tr>
            <tr>
              <td colspan="7"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;" colspan="4"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">located anywhere.</font></td>
            </tr>
            <tr>
              <td colspan="7"> &#160;</td>
            </tr>
            <tr>
              <td colspan="7"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" style="TEXT-INDENT:0.479996pt"> <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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" style="TEXT-INDENT:0.479996pt"> <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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="right"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">or</font></td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
            </tr>
            <tr>
              <td colspan="7"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" style="TEXT-INDENT:0.479996pt"> <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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="right"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">or are restrictively endorsed.</font></td>
            </tr>
            <tr>
              <td colspan="7"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="right" 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>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" style="TEXT-INDENT:0.479996pt" 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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="right" 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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" style="TEXT-INDENT:0.479996pt" colspan="4"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">of the addressee located anywhere.</font></td>
            </tr>

        </table>
      </div>
      <p style="MARGIN:0px">&#160;</p>
      <div align="left">
        <table cellspacing="0" border="0" id="za993a5fc97f54067b3da34e170f21564">

            <tr>
              <td width="55%"><br>
              </td>
              <td width="44%"><br>
              </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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> <font size="1" face="Arial,Arial,Helvetica,sans-serif">Form 17-02-1421 (Ed. 5-98)</font></td>
              <td align="left"> <font size="1" face="Arial,Arial,Helvetica,sans-serif">Page 1 of 19</font></td>
            </tr>

        </table>
      </div>
      <p style="MARGIN:0px">&#160;</p>
    </div>
    <hr width="100%" noshade="noshade" size="2" align="center">
    <div style="page-break-before: always">&#160;</div>
    <a name="page_4"></a><br>
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            <tr>
              <td width="22%"><br>
              </td>
              <td width="6%"><br>
              </td>
              <td width="2%"><br>
              </td>
              <td width="4%"><br>
              </td>
              <td width="5%"><br>
              </td>
              <td width="58%"><br>
              </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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
            </tr>
            <tr>
              <td colspan="6"> &#160;</td>
            </tr>
            <tr>
              <td colspan="6"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> <i><font size="2" face="Arial,Italic,Arial,Helvetica,sans-serif">Forgery Or Alteration</font></i></td>
              <td align="right"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">4</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">.</font></td>
              <td align="left" colspan="3"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">Loss resulting directly from:</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" style="TEXT-INDENT:0.479996pt"> <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>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" 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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">bills,</font></td>
              <td align="right"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">money orders, orders upon public treasuries, letters of credit, other</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" style="TEXT-INDENT:0.479996pt"> <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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">or applications directed to the ASSURED authorizing or acknowledging the</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">handwritten signature of any customer of the ASSURED, or shareholder or</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" 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>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" style="TEXT-INDENT:0.479996pt" 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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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>
            </tr>
            <tr valign="bottom">
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;" colspan="3"> <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"> &#160;</td>
            </tr>
            <tr>
              <td colspan="6"> &#160;</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>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="right" 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>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">capacity:</font></td>
              <td align="left"> &#160;</td>
            </tr>
            <tr>
              <td colspan="6"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" style="TEXT-INDENT:0.479996pt"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">a.</font></td>
              <td align="left" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">acquired, accepted or received, sold or delivered, or given value, extended</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">credit or assumed liability, in reliance on any original </font><b><font size="2" face="Arial,Bold,Arial,Helvetica,sans-serif">Securities,</font></b></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" colspan="2"> <b><font size="2" face="Arial,Bold,Arial,Helvetica,sans-serif">documents or other written instruments </font></b><font size="2" face="Arial,Arial,Helvetica,sans-serif">which prove to:</font></td>
            </tr>
            <tr>
              <td colspan="6"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" style="TEXT-INDENT:0.479996pt"> <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">guaranteed in writing or witnessed any signatures on any transfer,</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" style="TEXT-INDENT:0.479996pt" 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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" style="TEXT-INDENT:0.479996pt" 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">&#160;</p>
      <div align="left">
        <table cellspacing="0" border="0" id="z9772e2d60bdb457098bf02763f97fafb">

            <tr>
              <td width="55%"><br>
              </td>
              <td width="44%"><br>
              </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"> &#160;</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">&#160;</p>
    </div>
    <hr width="100%" noshade="noshade" size="2" align="center">
    <div style="page-break-before: always">&#160;</div>
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              <td width="20%"><br>
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            <tr valign="bottom">
              <td align="left"> <b><i><font size="3" face="Arial,BoldItalic,Arial,Helvetica,sans-serif">Insuring Clauses</font></i></b></td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
            </tr>
            <tr>
              <td colspan="7"> &#160;</td>
            </tr>
            <tr>
              <td colspan="7"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;" colspan="4"> <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"> &#160;</td>
            </tr>
            <tr>
              <td colspan="7"> &#160;</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;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;" colspan="4"> <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"> &#160;</td>
            </tr>
            <tr>
              <td colspan="7"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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>
              <td colspan="7"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;" colspan="4"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">equitable interest.</font></td>
            </tr>
            <tr>
              <td colspan="7"> &#160;</td>
            </tr>
            <tr>
              <td colspan="7"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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 valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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>
              <td colspan="7"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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 valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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 valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="right"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">credited.</font></td>
            </tr>

        </table>
      </div>
      <p style="MARGIN:0px">&#160;</p>
      <div align="left">
        <table cellspacing="0" border="0" id="z2fd4fafbb9a14c8a94abca0f9f6edf4f">

            <tr>
              <td width="55%"><br>
              </td>
              <td width="44%"><br>
              </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"> &#160;</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">&#160;</p>
    </div>
    <hr width="100%" noshade="noshade" size="2" align="center">
    <div style="page-break-before: always">&#160;</div>
    <a name="page_6"></a><br>
    <a name="_bclPageBorder6"></a>
    <div style="PADDING-RIGHT: 0%; PADDING-LEFT: 0%">
      <div align="left">
        <table cellspacing="0" border="0" id="z3d36100173924d1c942efa3aa0dd9592">

            <tr>
              <td width="22%"><br>
              </td>
              <td width="6%"><br>
              </td>
              <td width="2%"><br>
              </td>
              <td width="4%"><br>
              </td>
              <td width="64%"><br>
              </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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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 valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">COMPANY.</font></td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</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>
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              <td align="left"> <i><font size="2" face="Arial,Italic,Arial,Helvetica,sans-serif">Deposit</font></i></td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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 valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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 valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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 valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">standard collection procedures have failed.</font></td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">Bond.</font></td>
            </tr>

        </table>
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      <p style="MARGIN:0px">&#160;</p>
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              <td width="55%"><br>
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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"> &#160;</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>

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      </div>
      <p style="MARGIN:0px">&#160;</p>
    </div>
    <hr width="100%" noshade="noshade" size="2" align="center">
    <div style="page-break-before: always">&#160;</div>
    <a name="page_7"></a><br>
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              <td width="23%"><br>
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              <td align="left"> <b><i><font size="3" face="Arial,BoldItalic,Arial,Helvetica,sans-serif">General Agreements</font></i></b></td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</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="left" 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"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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 total liability of the COMPANY under this Bond for loss or losses</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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">Only the first named ASSURED shall be deemed to be the sole agent of the</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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 COMPANY shall not be responsible for the proper application of any</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">payment made hereunder to the first named ASSURED.</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="right"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">(4</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">)</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">Knowledge possessed or discovery made by any partner, director, trustee,</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">officer or supervisory employee of any ASSURED shall constitute knowledge</font></td>
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            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <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 valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="right"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">(5</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">)</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">If the first named ASSURED ceases for any reason to be covered under this</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <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;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" 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"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</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="left" 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>
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              <td align="left"> <i><font size="2" face="Arial,Italic,Arial,Helvetica,sans-serif">Assured</font></i></td>
              <td align="left"> &#160;</td>
              <td align="left" 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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" 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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" 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>
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            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" 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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" colspan="3"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">this Bond.</font></td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" 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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" 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>
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            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" colspan="3"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">this Bond.</font></td>
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      <p style="MARGIN:0px">&#160;</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"> &#160;</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="2%"><br>
              </td>
              <td width="62%"><br>
              </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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</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"> &#160;</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"> &#160;</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"> &#160;</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"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="right"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">a.</font></td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="right"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">b.</font></td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</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;"> &#160;</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"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</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"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="right"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">1940,</font></td>
              <td align="left"> &#160;</td>
              <td align="left" style="TEXT-INDENT:6.160965pt"> <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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">transfer, and</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;" colspan="3"> <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"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</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&#8217; Fees</font></i></td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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">&#160;</p>
      <div align="left">
        <table cellspacing="0" border="0" id="z1054beaea1f3422f82c597761c60e8db">

            <tr>
              <td width="55%"><br>
              </td>
              <td width="44%"><br>
              </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"> &#160;</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">&#160;</p>
    </div>
    <hr width="100%" noshade="noshade" size="2" align="center">
    <div style="page-break-before: always">&#160;</div>
    <a name="page_9"></a><br>
    <a name="_bclPageBorder9"></a>
    <div style="PADDING-RIGHT: 0%; PADDING-LEFT: 0%">
      <div align="left">
        <table cellspacing="0" border="0" id="zb34e8133b2184ab1acca1aceec574fdd">

            <tr>
              <td width="26%"><br>
              </td>
              <td width="7%"><br>
              </td>
              <td width="66%"><br>
              </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"> &#160;</td>
              <td align="left"> &#160;</td>
            </tr>
            <tr>
              <td colspan="3"> &#160;</td>
            </tr>
            <tr>
              <td colspan="3"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> <i><font size="2" face="Arial,Italic,Arial,Helvetica,sans-serif">Court Costs And</font></i></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">(3)</font></td>
              <td align="right"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">in the absence of 1 or 2 above, an arbitration panel agrees, after a review of</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> <i><font size="2" face="Arial,Italic,Arial,Helvetica,sans-serif">Attorneys&#8217; Fees</font></i></td>
              <td align="left"> &#160;</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"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</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"> &#160;</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"> &#160;</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"> &#160;</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"> &#160;</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"> &#160;</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"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</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"> &#160;</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"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</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"> &#160;</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"> &#160;</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"> &#160;</td>
              <td align="left" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">proceeding.</font></td>
            </tr>
            <tr>
              <td colspan="3"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</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"> &#160;</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"> &#160;</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"> &#160;</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"> &#160;</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"> &#160;</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"> &#160;</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"> &#160;</td>
              <td align="left" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">proceeding.</font></td>
            </tr>
            <tr>
              <td colspan="3"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</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"> &#160;</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"> &#160;</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"> &#160;</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"> &#160;</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"> &#160;</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"> &#160;</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"> &#160;</td>
              <td align="left" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">amount demanded.</font></td>
            </tr>
            <tr>
              <td colspan="3"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</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"> &#160;</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">&#160;</p>
      <div align="left">
        <table cellspacing="0" border="0" id="z6a35aa3484ad49ea86abb1077d626774">

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              <td width="55%"><br>
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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"> &#160;</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>
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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>
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              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
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            <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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
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              <td align="left"> &#160;</td>
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            <tr>
              <td colspan="7"> &#160;</td>
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            <tr>
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            <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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">a.</font></td>
              <td align="left" 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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" 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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" 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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" 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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">b.</font></td>
              <td align="left" 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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">c.</font></td>
              <td align="left" 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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" 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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">d.</font></td>
              <td align="left" 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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" 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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" 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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" 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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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>
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              <td align="left"> &#160;</td>
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              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="right"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">(2</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">)</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">a natural person while in the regular service of the ASSURED at any of</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">the ASSURED'S premises and compensated directly by the ASSURED</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">through its payroll system and subject to the United States Internal</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">Revenue Service Form W -2 or equivalent income reporting plans of</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">other countries, and whom the ASSURED has the right to control and</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">direct both as to the result to be accomplished and details and means</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">by which such result is accomplished in the performance of such</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">service,</font></td>
            </tr>
            <tr>
              <td colspan="7"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="right"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">(3</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">)</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">a guest student pursuing studies or performing duties in any of the</font></td>
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            <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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="right"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">(4</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">)</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">an attorney retained by the ASSURED and an employee of such</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">attorney while either is performing legal services for the ASSURED,</font></td>
            </tr>
            <tr>
              <td colspan="7"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="right"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">(5</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">)</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">a natural person provided by an employment contractor to perform</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">employee duties for the ASSURED under the ASSURED'S supervision</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">at any of the ASSURED'S premises,</font></td>
            </tr>
            <tr>
              <td colspan="7"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="right"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">(6</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">)</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">an employee of an institution merged or consolidated with the</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">ASSURED prior to the effective date of this Bond,</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="right"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">(7</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">)</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">a director or trustee of the ASSURED, but only while performing acts</font></td>
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              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">within the scope of the customary and usual duties of any officer or</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">other employee of the ASSURED or while acting as a member of any</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">committee duly elected or appointed to examine or audit or have</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">custody of or access to </font><b><font size="2" face="Arial,Bold,Arial,Helvetica,sans-serif">Property </font></b><font size="2" face="Arial,Arial,Helvetica,sans-serif">of the ASSURED, or</font></td>
            </tr>

        </table>
      </div>
      <p style="MARGIN:0px">&#160;</p>
      <div align="left">
        <table cellspacing="0" border="0" id="za0b526e2d7fe4e9f905171d55addc522">

            <tr>
              <td width="55%"><br>
              </td>
              <td width="44%"><br>
              </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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> <font size="1" face="Arial,Arial,Helvetica,sans-serif">Form 17-02-1421 (Ed. 5-98)</font></td>
              <td align="left"> <font size="1" face="Arial,Arial,Helvetica,sans-serif">Page 8 of 19</font></td>
            </tr>

        </table>
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      <p style="MARGIN:0px">&#160;</p>
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    <hr width="100%" noshade="noshade" size="2" align="center">
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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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
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              <td colspan="5"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</td>
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            <tr valign="bottom">
              <td align="left"> <i><font size="2" face="Arial,Italic,Arial,Helvetica,sans-serif">Definitions</font></i></td>
              <td align="right"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">(8</font></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">)</font></td>
              <td 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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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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            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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 valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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 valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="right"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">herein.</font></td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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">&#160;</p>
      <div align="left">
        <table cellspacing="0" border="0" id="z7cd224c19907492baa33721d2918e493">

            <tr>
              <td width="55%"><br>
              </td>
              <td width="44%"><br>
              </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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> <font size="1" face="Arial,Arial,Helvetica,sans-serif">Form 17-02-1421 (Ed. 5-98)</font></td>
              <td align="left"> <font size="1" face="Arial,Arial,Helvetica,sans-serif">Page 9 of 19</font></td>
            </tr>

        </table>
      </div>
      <p style="MARGIN:0px">&#160;</p>
    </div>
    <hr width="100%" noshade="noshade" size="2" align="center">
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              <td width="23%"><br>
              </td>
              <td width="10%"><br>
              </td>
              <td width="66%"><br>
              </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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
            </tr>
            <tr>
              <td colspan="3"> &#160;</td>
            </tr>
            <tr>
              <td colspan="3"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> <i><font size="2" face="Arial,Italic,Arial,Helvetica,sans-serif">Definitions</font></i></td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">f.</font></td>
              <td align="left"> <b><font size="2" face="Arial,Bold,Arial,Helvetica,sans-serif">Forgery </font></b><font size="2" face="Arial,Arial,Helvetica,sans-serif">means the signing of the name of another natural person with the</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> <i><font size="2" face="Arial,Italic,Arial,Helvetica,sans-serif">(continued)</font></i></td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">intent to deceive but does not mean a signature which consists in whole or in</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">part of one's own name, with or without authority, in any capacity for any</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">purpose.</font></td>
            </tr>
            <tr>
              <td colspan="3"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">g.</font></td>
              <td align="left"> <b><font size="2" face="Arial,Bold,Arial,Helvetica,sans-serif">Investment Company </font></b><font size="2" face="Arial,Arial,Helvetica,sans-serif">means any investment company registered under the</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">Investment Company Act of 1940 and listed under the NAME OF ASSURED</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">on the DECLARATIONS.</font></td>
            </tr>
            <tr>
              <td colspan="3"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">h.</font></td>
              <td align="left"> <b><font size="2" face="Arial,Bold,Arial,Helvetica,sans-serif">Items of Deposit </font></b><font size="2" face="Arial,Arial,Helvetica,sans-serif">means one or more checks or drafts drawn upon a</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">i.</font></td>
              <td align="left"> <b><font size="2" face="Arial,Bold,Arial,Helvetica,sans-serif">Larceny or Embezzlement </font></b><font size="2" face="Arial,Arial,Helvetica,sans-serif">means larceny or embezzlement as defined in</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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 valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">j.</font></td>
              <td align="left"> <b><font size="2" face="Arial,Bold,Arial,Helvetica,sans-serif">Property </font></b><font size="2" face="Arial,Arial,Helvetica,sans-serif">means money, revenue and other stamps; securities; including any</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">note, stock, treasury stock, bond, debenture, evidence of indebtedness,</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">sharing agreement, collateral trust certificate, preorganization certificate or</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">subscription, transferable share, investment contract, voting trust certificate,</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">certificate of deposit for a security, fractional undivided interest in oil, gas, or</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">other mineral rights, any interest or instruments commonly known as a</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">security under the Investment Company Act of 1940, any other certificate of</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">interest or participation in, temporary or interim certificate for, receipt for,</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">guarantee of, or warrant or right to subscribe to or purchase any of the</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">foregoing; bills of exchange; acceptances; checks; withdrawal orders; money</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">therein; assignments of such policies, deeds or mortgages; other valuable</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">ASSURED in the conduct of its business (but excluding all electronic data</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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>
              <td colspan="3"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">guardianship.</font></td>
            </tr>
            <tr>
              <td colspan="3"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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">&#160;</p>
      <div align="left">
        <table cellspacing="0" border="0" id="z6a9271b3dfac4433bb5c9342a1fd6be6">

            <tr>
              <td width="54%"><br>
              </td>
              <td width="45%"><br>
              </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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> <font size="1" face="Arial,Arial,Helvetica,sans-serif">Form 17-02-1421 (Ed. 5-98)</font></td>
              <td align="left"> <font size="1" face="Arial,Arial,Helvetica,sans-serif">Page 10 of 19</font></td>
            </tr>

        </table>
      </div>
      <p style="MARGIN:0px">&#160;</p>
    </div>
    <hr width="100%" noshade="noshade" size="2" align="center">
    <div style="page-break-before: always">&#160;</div>
    <a name="page_13"></a><br>
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    <div style="PADDING-RIGHT: 0%; PADDING-LEFT: 0%">
      <div align="left">
        <table cellspacing="0" border="0" id="z38a646f56cd04d1694c2844b574e0a9e">

            <tr>
              <td width="23%"><br>
              </td>
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              </td>
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              </td>
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              </td>
              <td width="63%"><br>
              </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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">m.</font></td>
              <td align="left"> <b><font size="2" face="Arial,Bold,Arial,Helvetica,sans-serif">Subsidiary </font></b><font size="2" face="Arial,Arial,Helvetica,sans-serif">means any organization that, at the inception date of this Bond,</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> <i><font size="2" face="Arial,Italic,Arial,Helvetica,sans-serif">(continued)</font></i></td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">subsidiaries.</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">or air express services.</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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 valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">plural includes the singular, unless otherwise indicated.</font></td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">naval or usurped power, war or insurrection;</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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 valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">covered under this Bond;</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">under INSURING CLAUSE 11.;</font></td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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">&#160;</p>
      <div align="left">
        <table cellspacing="0" border="0" id="z684e04aaaa6e43a6939590aafe2bebc1">

            <tr>
              <td width="54%"><br>
              </td>
              <td width="45%"><br>
              </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"> &#160;</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">&#160;</p>
    </div>
    <hr width="100%" noshade="noshade" size="2" align="center">
    <div style="page-break-before: always">&#160;</div>
    <a name="page_14"></a><br>
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    <div style="PADDING-RIGHT: 0%; PADDING-LEFT: 0%">
      <div align="left">
        <table cellspacing="0" border="0" id="z36705b51868349da999b106b1cc8a019">

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              <td width="23%"><br>
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              <td width="3%"><br>
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              <td width="53%"><br>
              </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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
            </tr>
            <tr>
              <td colspan="8"> &#160;</td>
            </tr>
            <tr>
              <td colspan="8"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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" style="TEXT-INDENT:0.048492pt" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">of any law regulating:</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" style="TEXT-INDENT:0.048492pt"> <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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" style="TEXT-INDENT:0.048492pt"> <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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" style="TEXT-INDENT:0.048492pt"> <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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" style="TEXT-INDENT:0.048492pt"> <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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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" style="TEXT-INDENT:0.048492pt" 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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="right" style="border-bottom:1px solid #000000;" colspan="4"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">CLAUSE 7. or 9.</font></td>
            </tr>
            <tr>
              <td colspan="8"> &#160;</td>
            </tr>
            <tr>
              <td colspan="8"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" style="TEXT-INDENT:0.048492pt" 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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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" style="TEXT-INDENT:0.048492pt" 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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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">loss</font></td>
              <td align="left"> &#160;</td>
              <td align="right" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">resulting from payments made or withdrawals from any account</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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">&#160;</p>
      <div align="left">
        <table cellspacing="0" border="0" id="z738d064dde10465fb79bc27f1802e46b">

            <tr>
              <td width="54%"><br>
              </td>
              <td width="45%"><br>
              </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"> &#160;</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">&#160;</p>
    </div>
    <hr width="100%" noshade="noshade" size="2" align="center">
    <div style="page-break-before: always">&#160;</div>
    <a name="page_15"></a><br>
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    <div style="PADDING-RIGHT: 0%; PADDING-LEFT: 0%">
      <div align="left">
        <table cellspacing="0" border="0" id="z2edb307858d64da8b5b9954e71354075">

            <tr>
              <td width="24%"><br>
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              <td width="15%"><br>
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              <td width="8%"><br>
              </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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
            </tr>
            <tr>
              <td colspan="9"> &#160;</td>
            </tr>
            <tr>
              <td colspan="9"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">ASSURED.</font></td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">CLAUSE 3.;</font></td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
            </tr>
            <tr>
              <td colspan="9"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
            </tr>
            <tr>
              <td colspan="9"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;" colspan="5"> <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"> &#160;</td>
            </tr>
            <tr>
              <td colspan="9"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">to INSURING CLAUSE 8.;</font></td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
            </tr>
            <tr>
              <td colspan="9"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;" colspan="3"> <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;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
            </tr>
            <tr>
              <td colspan="9"> &#160;</td>
            </tr>
            <tr>
              <td colspan="9"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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">&#160;</p>
      <div align="left">
        <table cellspacing="0" border="0" id="z0d76d9fdc1af4ff5934670903689151e">

            <tr>
              <td width="54%"><br>
              </td>
              <td width="45%"><br>
              </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"> &#160;</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">&#160;</p>
    </div>
    <hr width="100%" noshade="noshade" size="2" align="center">
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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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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 valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">persons, or</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">wrongful acts of all persons so aided.</font></td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">or</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">to a third party,</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;" colspan="2"> <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"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">numbers, if issued with them.</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">the discovery of such loss.</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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">&#160;</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"> &#160;</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>
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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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
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            <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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
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              <td colspan="5"> &#160;</td>
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              <td colspan="5"> &#160;</td>
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              <td align="left"> <i><font size="2" face="Arial,Italic,Arial,Helvetica,sans-serif">Notice To Company -</font></i></td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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>
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            <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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="right"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">include electronic recordings of such instructions.</font></td>
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            <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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
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              <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;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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>
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            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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>
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            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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>
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            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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>
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              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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>
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              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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>
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            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">DECLARATIONS.</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;" colspan="2"> <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"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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>
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            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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>

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      </div>
      <p style="MARGIN:0px">&#160;</p>
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        <table cellspacing="0" border="0" id="zc2312073f0ca419bafb2c8da6b3ab126">

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              <td width="54%"><br>
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              <td width="45%"><br>
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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"> &#160;</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>
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      <p style="MARGIN:0px">&#160;</p>
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              <td width="64%"><br>
              </td>
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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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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 valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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 valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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 loss</font></td>
            </tr>
            <tr valign="bottom">
              <td align="center" colspan="5"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">under the COMPANY'S indemnity is sustained.</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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 valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">purchased by the ASSURED to obtain replacement securities.</font></td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left" colspan="2"> <i><font size="2" face="Arial,Italic,Arial,Helvetica,sans-serif">Subrogation - Assignment </font></i><i><font size="2" face="Arial,Italic,Arial,Helvetica,sans-serif">&#8211; </font></i><font size="2" face="Arial,Arial,Helvetica,sans-serif">11.</font></td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="right"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">LIABILITY,</font></td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="right"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">the ASSURED'S claim,</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="right"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">AMOUNT, and</font></td>
            </tr>

        </table>
      </div>
      <p style="MARGIN:0px">&#160;</p>
      <div align="left">
        <table cellspacing="0" border="0" id="zdd41322d5d0643439b406be9f34722cd">

            <tr>
              <td width="54%"><br>
              </td>
              <td width="45%"><br>
              </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"> &#160;</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">&#160;</p>
    </div>
    <hr width="100%" noshade="noshade" size="2" align="center">
    <div style="page-break-before: always">&#160;</div>
    <a name="page_19"></a><br>
    <a name="_bclPageBorder19"></a>
    <div style="PADDING-RIGHT: 0%; PADDING-LEFT: 0%">
      <div align="left">
        <table cellspacing="0" border="0" id="z85b10140f84a469eb1f1b05ab4c851cc">

            <tr>
              <td width="25%"><br>
              </td>
              <td width="3%"><br>
              </td>
              <td width="2%"><br>
              </td>
              <td width="4%"><br>
              </td>
              <td width="64%"><br>
              </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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> <i><font size="2" face="Arial,Italic,Arial,Helvetica,sans-serif">Subrogation - Assignment </font></i><i><font size="2" face="Arial,Italic,Arial,Helvetica,sans-serif">&#8211;</font></i></td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">recovery under this section.</font></td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">the COMPANY, the ASSURED shall:</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="right"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">oath,</font></td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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 valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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 valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;" colspan="2"> <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"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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 valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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 valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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 valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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>
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      <p style="MARGIN:0px">&#160;</p>
      <div align="left">
        <table cellspacing="0" border="0" id="z77a0aa4239b74338bdea703826fcf992">

            <tr>
              <td width="54%"><br>
              </td>
              <td width="45%"><br>
              </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"> &#160;</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">&#160;</p>
    </div>
    <hr width="100%" noshade="noshade" size="2" align="center">
    <div style="page-break-before: always">&#160;</div>
    <a name="page_20"></a><br>
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        <table cellspacing="0" border="0" id="z032528d4703744f6ae8c2b7d9ceaee1b">

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              </td>
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              </td>
              <td width="64%"><br>
              </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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">ASSURED:</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="right"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">Bond; and</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;" colspan="2"> <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"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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 valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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 valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</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"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;"> &#160;</td>
              <td align="left" style="border-bottom:1px solid #000000;" colspan="2"> <font size="2" face="Arial,Arial,Helvetica,sans-serif">minimum period of limitation provided by such law.</font></td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</td>
            </tr>
            <tr>
              <td colspan="5"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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"> &#160;</td>
              <td align="left"> &#160;</td>
              <td align="left"> &#160;</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">&#160;</p>
      <div align="left">
        <table cellspacing="0" border="0" id="zb1523a109ce7400399e38e133f010205">

            <tr>
              <td width="54%"><br>
              </td>
              <td width="45%"><br>
              </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"> &#160;</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">&#160;</p>
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              <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>
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              <td align="left"> <font size="1" face="Arial,Arial,Helvetica,sans-serif">Form 17-02-1421 (Ed. 5-98)</font></td>
              <td align="left"> <font size="1" face="Arial,Arial,Helvetica,sans-serif">Page 19 of 19</font></td>
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              <td align="left"><font size="2" face="Arial,Arial,Helvetica,sans-serif">Effective date of</font></td>
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              <td align="left"><font size="2" face="Arial,Arial,Helvetica,sans-serif">this endorsement/rider: January 1, 2020</font></td>
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              <td align="center" colspan="2"><b><font size="2" face="Arial,Bold,Arial,Helvetica,sans-serif">COMPLIANCE WITH APPLICABLE TRADE SANCTION LAWS</font></b></td>
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              <td align="left" colspan="2"><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>
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      <p style="text-align: center;"> <img src="p82302675_2019x22x1.jpg"> </p>
      <p><font size="2" face="Arial,Arial,Helvetica,sans-serif">14-02-9228 (2/2010)</font></p>
      <p><font size="2" face="Arial,Arial,Helvetica,sans-serif">Page 1</font></p>
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              <td align="left">&#160;</td>
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              <td align="left">&#160;</td>
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              <td align="left" colspan="2" style="TEXT-INDENT: 220.96pt"><b><font size="2" face="Arial,Bold,Arial,Helvetica,sans-serif">FEDERAL INSURANCE COMPANY</font></b></td>
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              <td align="left" colspan="5" style="BORDER-BOTTOM: #000000 1px solid"><font size="2" face="Arial,Arial,Helvetica,sans-serif">NAME OF ASSURED: EAGLE CAPITAL GROWTH FUND INC</font></td>
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              <td align="left" colspan="5"><font size="2" face="Arial,Arial,Helvetica,sans-serif">It is agreed that this Bond is amended as follows:</font></td>
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              <td align="right"><font size="2" face="Arial,Arial,Helvetica,sans-serif">1</font></td>
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              <td align="left" colspan="2" style="TEXT-INDENT: 1.44pt"><font size="2" face="Arial,Arial,Helvetica,sans-serif">Discovery of fraud or material misrepresentation in obtaining this Bond or in the presentation</font></td>
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              <td align="left">&#160;</td>
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              <td align="left" colspan="2" style="TEXT-INDENT: 1.44pt"><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</font></td>
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              <td align="left">&#160;</td>
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              <td align="left">&#160;</td>
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              <td align="left"><font size="2" face="Arial,Arial,Helvetica,sans-serif">Form 17-02-1360 (Rev. 10-99)</font></td>
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              <td width="41%"><br>
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            <tr>
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              <td align="left" colspan="3"><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>
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              <td align="left" colspan="3"><font size="2" face="Arial,Arial,Helvetica,sans-serif">by certified mail, return receipt, provided by the United States Postal Service, to the ASSURED, at</font></td>
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            <tr valign="bottom">
              <td align="left" colspan="3"><font size="2" face="Arial,Arial,Helvetica,sans-serif">shall also be mailed to the ASSURED'S agent or broker, if any.</font></td>
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              <td align="left" colspan="3"><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</font></td>
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              <td align="left" colspan="3"><font size="2" face="Arial,Arial,Helvetica,sans-serif">insurance group has offered to issue a renewal Bond, the ASSURED has obtained replacement</font></td>
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              <td align="left" colspan="3"><font size="2" face="Arial,Arial,Helvetica,sans-serif">coverage or has agreed in writing to obtain replacement coverage, the ASSURED has requested</font></td>
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              <td align="left" colspan="3"><font size="2" face="Arial,Arial,Helvetica,sans-serif">or agreed to nonrenewal, or the Bond is expressly designated as nonrenewable.</font></td>
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            <tr>
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              <td width="38%"><br>
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            <tr valign="bottom">
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              <td align="left">&#160;</td>
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            <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>
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              <td width="93%"><br>
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              <td align="left">&#160;</td>
              <td align="left">&#160;</td>
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            <tr>
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            <tr valign="bottom">
              <td align="left">&#160;</td>
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            <tr>
              <td colspan="3">&#160;</td>
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            <tr valign="bottom">
              <td align="left">&#160;</td>
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            <tr>
              <td colspan="3">&#160;</td>
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            <tr valign="bottom">
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              <td align="left">&#160;</td>
              <td align="left">&#160;</td>
              <td align="left"><font size="2" face="Arial,Arial,Helvetica,sans-serif">rates, the new terms or higher premiums may take effect on the renewal date, if the COMPANY</font></td>
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            <tr valign="bottom">
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              <td align="left">&#160;</td>
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              <td align="left"><font size="2" face="Arial,Arial,Helvetica,sans-serif">date. If the COMPANY notifies the ASSURED within sixty (60) days prior to the renewal date, the</font></td>
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            <tr valign="bottom">
              <td align="left">&#160;</td>
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              <td align="left"><font size="2" face="Arial,Arial,Helvetica,sans-serif">day period. If the COMPANY does not notify the ASSURED of the new terms or premiums, the</font></td>
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            <tr valign="bottom">
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            <tr>
              <td colspan="3">&#160;</td>
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              <td align="right"><font size="2" face="Arial,Arial,Helvetica,sans-serif">2</font></td>
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              <td 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</font></td>
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            <tr valign="bottom">
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              <td align="left"><font size="2" face="Arial,Arial,Helvetica,sans-serif">occurrence listed in this Section shall be considered to be a request by the ASSURED to</font></td>
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            <tr valign="bottom">
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              <td align="left">&#160;</td>
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            <tr>
              <td colspan="3">&#160;</td>
            </tr>
            <tr>
              <td colspan="3">&#160;</td>
            </tr>
            <tr>
              <td colspan="3">&#160;</td>
            </tr>
            <tr>
              <td colspan="3">&#160;</td>
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            <tr valign="bottom">
              <td align="left" colspan="3"><font size="2" face="Arial,Arial,Helvetica,sans-serif">This Endorsement applies to loss discovered after 12:01 a.m. on January 1, 2020.</font></td>
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            <tr>
              <td colspan="3">&#160;</td>
            </tr>
            <tr>
              <td colspan="3">&#160;</td>
            </tr>
            <tr>
              <td colspan="3">&#160;</td>
            </tr>
            <tr>
              <td colspan="3">&#160;</td>
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            <tr valign="bottom">
              <td align="left" colspan="3"><font size="2" face="Arial,Arial,Helvetica,sans-serif">ALL OTHER TERMS AND CONDITIONS OF THIS BOND REMAIN UNCHANGED.</font></td>
            </tr>

        </table>
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      <p style="MARGIN: 0px">&#160;</p>
      <p><font size="2" face="Arial,Arial,Helvetica,sans-serif">Date: November 11, 2019</font></p>
      <p style="text-align: center;"> <img src="p82302675_2019x25x1.jpg"> </p>
    </div>
    <hr width="100%" noshade="noshade" size="2" align="center">
    <div style="PAGE-BREAK-BEFORE: always">&#160;</div>
    <a name="page_26"></a><br>
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    <div style="PADDING-LEFT: 0%; PADDING-RIGHT: 0%">
      <div align="left">
        <table cellspacing="0" border="0" id="z5b01eda861854281b425d9d5fdc34d7e">

            <tr>
              <td width="100%"><br>
              </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>&#160;</td>
            </tr>
            <tr>
              <td>&#160;</td>
            </tr>
            <tr>
              <td>&#160;</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>&#160;</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&#8217;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>
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            <tr>
              <td>&#160;</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>
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            <tr valign="bottom">
              <td align="left"><font size="2" face="Arial,Arial,Helvetica,sans-serif">policy as well as instructions on how to submit this proof of fidelity insurance coverage to the</font></td>
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            <tr valign="bottom">
              <td align="left"><font size="2" face="Arial,Arial,Helvetica,sans-serif">SEC. You can expect to receive this information from your agent/broker shortly.</font></td>
            </tr>
            <tr>
              <td>&#160;</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 the</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"><font size="2" face="Arial,Arial,Helvetica,sans-serif">electronic copy, constitute the entire agreement between your company and Chubb.</font></td>
            </tr>
            <tr>
              <td>&#160;</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">&#160;</p>
      <p><font size="2" face="Arial,Arial,Helvetica,sans-serif">Form 14-02-12160 (ed. 7/2006)</font></p>
    </div>
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              </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>&#160;</td>
            </tr>
            <tr>
              <td>&#160;</td>
            </tr>
            <tr>
              <td>&#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="left" style="TEXT-INDENT: 36.022pt"><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 &#8220;Chubb&#8221;) distribute their products through licensed insurance brokers and agents</font></td>
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              <td align="left"><font size="2" face="Arial,Arial,Helvetica,sans-serif">(&#8220;producers&#8221;). 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>
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              <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</font></td>
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              <td align="left"><font size="2" face="Arial,Arial,Helvetica,sans-serif">the page at www.chubb.com, or by calling 1-866-588-9478. Additional information may be available from</font></td>
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              <td align="left"><font size="2" face="Arial,Arial,Helvetica,sans-serif">your producer.</font></td>
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            </tr>
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              <td align="left" style="TEXT-INDENT: 36.022pt"><font size="2" face="Arial,Arial,Helvetica,sans-serif">Thank you for choosing Chubb.</font></td>
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        </table>
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      <p><font size="2" face="Arial,Arial,Helvetica,sans-serif">10-02-1295 (ed. 6/2007)</font></p>
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    <div style="PAGE-BREAK-BEFORE: always">&#160;</div>
    <a name="page_28"></a><br>
    <a name="_bclPageBorder28"></a>
    <div style="PADDING-LEFT: 0%; PADDING-RIGHT: 0%">
      <div align="left">
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            <tr>
              <td width="100%"><br>
              </td>
            </tr>
            <tr valign="bottom">
              <td align="center"><b><font size="3" face="Arial,Bold,Arial,Helvetica,sans-serif">WISCONSIN POLICYHOLDER INFORMATION NOTICE</font></b></td>
            </tr>
            <tr>
              <td>&#160;</td>
            </tr>
            <tr>
              <td>&#160;</td>
            </tr>
            <tr>
              <td>&#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="center" style="BORDER-BOTTOM: #000000 1px solid"><b><font size="3" face="Arial,Bold,Arial,Helvetica,sans-serif">KEEP THIS NOTICE WITH YOUR INSURANCE PAPERS</font></b></td>
            </tr>
            <tr>
              <td>
                <hr noshade="noshade" size="1"> </td>
            </tr>
            <tr>
              <td>&#160;</td>
            </tr>
            <tr>
              <td>&#160;</td>
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            <tr>
              <td>&#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="center"><b><font size="3" face="Arial,Bold,Arial,Helvetica,sans-serif">PROBLEMS WITH YOUR INSURANCE? </font></b><font size="3" face="Arial,Arial,Helvetica,sans-serif">&#8212; </font><font size="3" face="Arial,Arial,Helvetica,sans-serif">If you are having problems with your</font></td>
            </tr>
            <tr valign="bottom">
              <td align="center"><font size="3" face="Arial,Arial,Helvetica,sans-serif">insurance company or agent, do not hesitate to contact the insurance company or</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"><font size="3" face="Arial,Arial,Helvetica,sans-serif">agent to resolve your problem.</font></td>
            </tr>
            <tr>
              <td>&#160;</td>
            </tr>
            <tr valign="bottom">
              <td align="center"><b><font size="3" face="Arial,Bold,Arial,Helvetica,sans-serif">Chubb Group of Insurance Companies</font></b></td>
            </tr>
            <tr valign="bottom">
              <td align="center"><b><font size="3" face="Arial,Bold,Arial,Helvetica,sans-serif">15 Mountain View Road</font></b></td>
            </tr>
            <tr valign="bottom">
              <td align="center"><b><font size="3" face="Arial,Bold,Arial,Helvetica,sans-serif">Warren, NJ 07059</font></b></td>
            </tr>
            <tr valign="bottom">
              <td align="center"><b><font size="3" face="Arial,Bold,Arial,Helvetica,sans-serif">1-800-36-CHUBB</font></b></td>
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            <tr>
              <td>&#160;</td>
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              <td align="center"><font size="3" face="Arial,Arial,Helvetica,sans-serif">You can also contact the </font><b><font size="3" face="Arial,Bold,Arial,Helvetica,sans-serif">OFFICE OF THE COMMISSIONER OF INSURANCE</font></b><font size="3" face="Arial,Arial,Helvetica,sans-serif">, a state</font></td>
            </tr>
            <tr valign="bottom">
              <td align="center"><font size="3" face="Arial,Arial,Helvetica,sans-serif">agency which enforces Wisconsin's insurance laws, and file a complaint. You can</font></td>
            </tr>
            <tr valign="bottom">
              <td align="left"><font size="3" face="Arial,Arial,Helvetica,sans-serif">contact the </font><b><font size="3" face="Arial,Bold,Arial,Helvetica,sans-serif">OFFICE OF THE COMMISSIONER OF INSURANCE </font></b><font size="3" face="Arial,Arial,Helvetica,sans-serif">by contacting:</font></td>
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            <tr valign="bottom">
              <td align="center"><font size="3" face="Arial,Arial,Helvetica,sans-serif">Office of the Commissioner of Insurance</font></td>
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            <tr valign="bottom">
              <td align="center"><font size="3" face="Arial,Arial,Helvetica,sans-serif">P.O. Box 7873</font></td>
            </tr>
            <tr valign="bottom">
              <td align="center"><font size="3" face="Arial,Arial,Helvetica,sans-serif">Madison, WI 53707-7873</font></td>
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            <tr valign="bottom">
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            </tr>
            <tr valign="bottom">
              <td align="center"><font size="3" face="Arial,Arial,Helvetica,sans-serif">608-266-0103</font></td>
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        </table>
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      <p style="MARGIN: 0px">&#160;</p>
      <p><font size="2" face="Arial,Arial,Helvetica,sans-serif">Form 99-10-0334 (Ed. 5-04)</font></p>
      <p><font size="2" face="Arial,Arial,Helvetica,sans-serif"> <br>
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          <div style="text-align: center; color: #000000; font-weight: bold;">EAGLE CAPITAL GROWTH FUND, INC.</div>
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        <div style="background-color: #FFFFFF;">
          <div><br>
          </div>
        </div>
        <div style="background-color: #FFFFFF;">
          <div style="text-indent: 36pt; color: #000000;">The following is a true and correct recitation of that certain resolution duly adopted on December 9, 2019, by a majority of the Board of Directors of the Company who are not interested persons.
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          <div style="color: #000000;">RESOLVED, that the proposed renewal for a 1-year period of the fidelity bond with Chubb Insurance Company (or another highly rated and reputable insurance company approved by the President of the Fund) which will be
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          <div><br>
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        <div style="background-color: #FFFFFF;">
          <div style="text-indent: 36pt; color: #000000;">The premium for the bond has been paid for the period from January 1, 2020 through December 31, 2020.</div>
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        <div style="background-color: #FFFFFF;">
          <div><br>
          </div>
        </div>
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                <div>&#160;</div>
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              <td style="width: 8.98%; vertical-align: top; background-color: #FFFFFF;">
                <div>&#160;</div>
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                <div>/s/ David C. Sims</div>
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                <div>&#160;</div>
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              <td style="width: 8.98%; vertical-align: top; background-color: #FFFFFF;">
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                <div>&#160;</div>
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              <td style="width: 8.98%; vertical-align: top; background-color: #FFFFFF;">
                <div>&#160;</div>
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              <td style="width: 85.96%; vertical-align: top; background-color: #FFFFFF;">
                <div>&#160;</div>
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              <td style="width: 5.06%; vertical-align: top; background-color: #FFFFFF;">
                <div>&#160;</div>
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                <div>&#160;</div>
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              <td style="width: 85.96%; vertical-align: top; background-color: #FFFFFF;">
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                <div>&#160;</div>
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                <div>December 16, 2019</div>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
