<SEC-DOCUMENT>0001712543-24-000034.txt : 20240522
<SEC-HEADER>0001712543-24-000034.hdr.sgml : 20240522
<ACCEPTANCE-DATETIME>20240522145051
ACCESSION NUMBER:		0001712543-24-000034
CONFORMED SUBMISSION TYPE:	40-17G
PUBLIC DOCUMENT COUNT:		8
FILED AS OF DATE:		20240522
DATE AS OF CHANGE:		20240522
EFFECTIVENESS DATE:		20240522

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			EQUUS TOTAL RETURN, INC.
		CENTRAL INDEX KEY:			0000878932
		ORGANIZATION NAME:           	
		IRS NUMBER:				760345915
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		40-17G
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	814-00098
		FILM NUMBER:		24972936

	BUSINESS ADDRESS:	
		STREET 1:		700 LOUISIANA STREET
		STREET 2:		48TH FLOOR
		CITY:			HOUSTON
		STATE:			TX
		ZIP:			77002
		BUSINESS PHONE:		7135290900

	MAIL ADDRESS:	
		STREET 1:		700 LOUISIANA STREET
		STREET 2:		48TH FLOOR
		CITY:			HOUSTON
		STATE:			TX
		ZIP:			77002

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	EQUUS II INC
		DATE OF NAME CHANGE:	19970422
</SEC-HEADER>
<DOCUMENT>
<TYPE>40-17G
<SEQUENCE>1
<FILENAME>f4017g_equus05212024.htm
<DESCRIPTION>FIDELITY BOND
<TEXT>
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<P STYLE="font: 6pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

<P STYLE="font: 6pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 6pt Times New Roman, Times, Serif; margin: 0"><B>KENNETH I. DENOS</B></P>

<P STYLE="font: 6pt Times New Roman, Times, Serif; margin: 0">SECRETARY &amp; CHIEF COMPLIANCE OFFICER</P>

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<P STYLE="font: 11pt/115% Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 11pt/115% Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 11pt/115% Times New Roman, Times, Serif; margin: 0; text-align: justify">May 22, 2024</P>

<P STYLE="font: 11pt/115% Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

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<P STYLE="font: 11pt/115% Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 11pt/115% Times New Roman, Times, Serif; margin: 0"><B><U>VIA EDGAR</U></B></P>

<P STYLE="font: 11pt/115% Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 11pt/115% Times New Roman, Times, Serif; margin: 0">U.S. Securities and Exchange Commission</P>

<P STYLE="font: 11pt/115% Times New Roman, Times, Serif; margin: 0">100 F Street, N.E.</P>

<P STYLE="font: 11pt/115% Times New Roman, Times, Serif; margin: 0">Washington, D.C.&nbsp; 20549-0506</P>

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<P STYLE="font: 11pt/115% Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Re:&nbsp; Equus Total Return, Inc. &mdash;
Rule 17g-1(g) Fidelity Bond Filing</P>

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<P STYLE="font: 11pt/115% Times New Roman, Times, Serif; margin: 0">Ladies and Gentlemen:</P>

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<P STYLE="font: 11pt/115% Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">On behalf of Equus Total Return, Inc. (the
&ldquo;Company&rdquo;), enclosed herewith for filing, pursuant to Rule 17g-1(g) under the Investment Company Act of 1940, as amended,
is a copy of the following materials:</P>

<P STYLE="font: 11pt/115% Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 11pt">1.</FONT></TD><TD><FONT STYLE="font-size: 11pt">A Certificate of the Secretary of the Company, which attaches a copy of the resolutions of the
Board of Directors approving the amount, type, form and coverage of the Fidelity Bond and a statement as to the period for which
premiums have been paid; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 11pt">2.</FONT></TD><TD><FONT STYLE="font-size: 11pt">A copy of the Fidelity Bond covering the Company.</FONT></TD></TR></TABLE>

<P STYLE="font: 11pt/115% Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: -0.5in">&nbsp;</P>

<P STYLE="font: 11pt/115% Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">If you have any questions regarding this
submission, please do not hesitate to call me at (713) 529-0900.</P>

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    <TD STYLE="width: 50%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 50%; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif">Very truly yours,</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif"><I>/s/ Kenneth I. Denos</I></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif">Kenneth I. Denos</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif">Chief Compliance Officer</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 10pt; line-height: 115%">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
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<P STYLE="font: 10pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 6pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

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<P STYLE="font: 6pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

<P STYLE="font: 6pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

<P STYLE="font: 6pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

<P STYLE="font: 6pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 6pt Times New Roman, Times, Serif; margin: 0"><B>KENNETH I. DENOS</B></P>

<P STYLE="font: 6pt Times New Roman, Times, Serif; margin: 0">SECRETARY &amp; CHIEF COMPLIANCE OFFICER</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">CERTIFICATE OF SECRETARY</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The undersigned, Kenneth I. Denos, Secretary
of Equus Total Return, Inc., a Delaware corporation (the &ldquo;Company&rdquo;), does hereby certify that:</P>

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0 0 0 4.5pt; text-indent: 31.5pt"><FONT STYLE="font-size: 10pt">1.
</FONT><FONT STYLE="font-size: 3pt"> </FONT><FONT STYLE="font-size: 10pt">This certificate is being delivered to the Securities
and Exchange Commission (the &ldquo;SEC&rdquo;) in connection with the filing of the Company&rsquo;s fidelity bond (the &ldquo;Bond&rdquo;)
pursuant to Rule 17g-1 of the Investment Company Act of 1940, as amended, and the SEC is entitled to rely on this certificate for
purposes of the filing.</FONT></P>

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0 0 0 4.5pt; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0 0 0 4.5pt; text-indent: 31.5pt"><FONT STYLE="font-size: 10pt">2.</FONT><FONT STYLE="font-size: 3pt">
</FONT><FONT STYLE="font-size: 10pt">The undersigned is the duly elected, qualified and acting Secretary of the Company, and has
custody of the corporate records of the Company and is a proper officer to make this certification.</FONT></P>

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0 0 0 4.5pt; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0 0 0 4.5pt; text-indent: 31.5pt"><FONT STYLE="font-size: 10pt">3.
</FONT><FONT STYLE="font-size: 3pt"> </FONT><FONT STYLE="font-size: 10pt">Attached hereto as <U>Exhibit A</U> is a copy of the
resolutions approved by the Board of Directors of the Company, including a majority of the Board of Directors who are not &ldquo;interested
persons&rdquo; of the Company, approving the amount, type, form and coverage of the Bond.</FONT></P>

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0 0 0 4.5pt; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0 0 0 4.5pt; text-indent: 31.5pt"><FONT STYLE="font-size: 10pt">4.</FONT><FONT STYLE="font-size: 3pt">
</FONT><FONT STYLE="font-size: 10pt">Premiums have been paid for the period March 28, 2024 to March 28, 2025.</FONT></P>

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0 0 0 4.5pt; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">IN WITNESS
WHEREOF, I have executed this certificate as of the   22nd day of May, 2024.</FONT></P>

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 11pt/115% Calibri, Helvetica, Sans-Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">EQUUS TOTAL RETURN, INC.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 51%">&nbsp;</TD>
    <TD STYLE="width: 6%">&nbsp;</TD>
    <TD STYLE="width: 43%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 11pt/115% Calibri, Helvetica, Sans-Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 11pt/115% Calibri, Helvetica, Sans-Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><I>/s/ Kenneth I. Denos</I></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 11pt/115% Calibri, Helvetica, Sans-Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Name:</FONT></TD>
    <TD STYLE="font: 11pt/115% Calibri, Helvetica, Sans-Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Kenneth I. Denos</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 11pt/115% Calibri, Helvetica, Sans-Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Title:</FONT></TD>
    <TD STYLE="font: 11pt/115% Calibri, Helvetica, Sans-Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Secretary</FONT></TD></TR></TABLE>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-align: center; text-indent: 24.5pt"><B>EXHIBIT
A</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0px"><B>Resolutions
of the Board of Directors</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0px"><B>of
Equus Total Return, Inc.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0px"><B>effective
as of March 11, 2024</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-align: center; text-indent: 24.5pt"><B></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-align: center; text-indent: 24.5pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0.5in"><B>WHEREAS,</B>&nbsp;pursuant
to Rule 17g-1 of the Investment Company Act of 1940 (the "1940 Act"), Equus Total Return, Inc. (the "Company") is required to provide
and maintain a fidelity bond against larceny and embezzlement, covering each officer and employee of the Company, who may singly
or jointly with others, have access to securities or funds of the Company;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0.5in"><B>WHEREAS,</B>&nbsp;Rule
17g-1 specifies that the bond may be in the form of (i) an individual bond for each covered person, or a schedule or blanket bond
covering such persons, (ii) a blanket bond which names the Company as the only insured (a &ldquo;single insured bond&rdquo;), or
(iii) a bond which names the Company and one or more other parties as insureds (a &ldquo;joint insured bond&rdquo;), as permitted
by Rule 17g-1; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0.5in"><B>WHEREAS,</B>&nbsp;the
Board of Directors of the Company (the &ldquo;Board&rdquo;) (including a majority of the directors who are not &ldquo;interested
directors&rdquo; of the Company) has reviewed the Investment Company Bond submitted to it and after due consideration of all relevant
factors including, but not limited to, the value of the aggregate assets of the Company to which any covered person may have access,
the type and terms of the arrangements made for custody and safekeeping of such assets, and the nature of the Company&rsquo;s portfolio
securities, believes such bond is in reasonable form and amount;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0.5in"><B>NOW,
THEREFORE, BE IT RESOLVED,</B>&nbsp;that the Board of Directors of the Fund hereby determines that a fidelity bond issued by Chubb
Group of Insurance Companies covering officers and employers of the Fund in accordance with the requirements of Rule 17g-1 under
the 1940 Act, in the amount of $400,000, is reasonable in form and amount, after having given due consideration to the value of
the aggregate assets of the Fund to which any such covered person may have access, the type and terms of the arrangements made
for the custody and safekeeping of such assets, and the nature of the securities in the Fund&rsquo;s portfolio; and be it further</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0.5in"><B>RESOLVED,</B>&nbsp;that
the officers of the Fund are authorized to file the following documents with the SEC (and any actions previously taken in this
regard are ratified):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 24.45pt; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 24.45pt; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0.5in">a.
A copy of the Fidelity Bond;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 24.45pt; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0.5in">b.
A copy of the Board resolution approving the Fidelity Bond; and</P>

<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0 0 0 24.45pt; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 63pt; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: -2.55pt">c.
Any other documents required by Rule 17g-1 under the Investment Company Act of 1940; and be it further</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 24.45pt; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0.5in"><B>RESOLVED,</B>&nbsp;that
all actions taken prior hereto by the officers of the Company in the name and on behalf of the Company in connection with the matters
related thereto are hereby approved, ratified and confirmed as the acts of the Company as if each such act had been presented to
and approved by the Board prior to being taken.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0.5in"><B>RESOLVED,</B>&nbsp;that
the officers of the Company are hereby severally authorized to sign, execute, certify to, verify, acknowledge, deliver, accept, file
and record any and all such instruments, agreements and documents and amendments and supplements thereto, and to take or cause to be
taken any and all other action, in the name and on behalf of the Company or otherwise, as any such officer shall, in such officer&rsquo;s
sole discretion, deem necessary or desirable and in the best interests of the Company to effect the purposes of the foregoing resolutions,
and that any such officer&rsquo;s signature or such actions taken by such officer shall be conclusive evidence that such officer did
deem same to be desirable or necessary and in the best interests of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0.5in">&nbsp;</P>

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<P></P>

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    <TD STYLE="width: 100%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">NOTICE TO POLICYHOLDERS</FONT></TD></TR>
<TR>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Insuring Company: FEDERAL INSURANCE COMPANY</FONT></TD></TR>
<TR>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Enclosed is your commercial insurance policy from Chubb. The bill that corresponds</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">with this policy has been mailed separately. When you receive the bill, please pay the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">amount due by the date indicated. Payment should be made directly to Chubb. As</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">always, prompt payment will keep your coverage in place.</FONT></TD></TR>
<TR>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">If you have any questions about the attached policy or need assistance with</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">additional insurance, contact your agent or broker. For questions about billing, call</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">our Premium Accounting Service Center at 1-800-372-4822. Thank you for insuring</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">through Chubb.</FONT></TD></TR>
</TABLE>
<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Premium Bill - Dir 99-10-0460</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</P>




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<P STYLE="font: 400 14pt Times New Roman, Times, Serif; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0px">&nbsp;</P>

<TABLE BORDER="0" CELLSPACING="0">
<TR>
    <TD STYLE="width: 100%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center"><FONT STYLE="font: 14pt Arial, Helvetica, Sans-Serif"><B>IMPORTANT NOTICE TO POLICYHOLDERS</B></FONT></TD></TR>
<TR>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; text-indent: 35.99pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">All of the members of the Chubb Group of Insurance companies doing business in the United</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">States (hereinafter &ldquo;Chubb&rdquo;) distribute their products through licensed insurance brokers and agents</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">(&ldquo;producers&rdquo;). Detailed information regarding the types of compensation paid by Chubb to producers on</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">US insurance transactions is available under the Producer Compensation link located at the bottom of the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">page at&nbsp;www.chubb.com, or by calling 1-866-588-9478. Additional information may be available from your</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">producer.</FONT></TD></TR>
<TR>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; text-indent: 35.99pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Thank you for choosing Chubb.</FONT></TD></TR>
</TABLE>
<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">10-02-1295 (ed. 6/2007)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</P>




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<P STYLE="font: 400 14pt Times New Roman, Times, Serif; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0px">&nbsp;</P>

<TABLE BORDER="0" CELLSPACING="0">
<TR>
    <TD STYLE="width: 100%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B><I>Important Notice:</I></B></FONT></TD></TR>
<TR>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>The SEC Requires Proof of Your Fidelity Insurance Policy</B></FONT></TD></TR>
<TR>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Your company is now required to file an electronic copy of your fidelity insurance coverage</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">(Chubb&rsquo;s ICAP Bond policy) to the Securities and Exchange Commission (SEC), according to</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">rules adopted by the SEC on June 12, 2006.</FONT></TD></TR>
<TR>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Chubb is in the process of providing your agent/broker with an electronic copy of your insurance</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">policy as well as instructions on how to submit this proof of fidelity insurance coverage to the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">SEC. You can expect to receive this information from your agent/broker shortly.</FONT></TD></TR>
<TR>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt 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 STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt 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 STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">The terms and conditions of the policy mailed to you, which are the same as those set forth in</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">the electronic copy, constitute the entire agreement between your company and Chubb.</FONT></TD></TR>
<TR>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">If you have any questions, please contact your agent or broker.</FONT></TD></TR>
</TABLE>
<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">Form 14-02-12160 (ed. 7/2006)</P>




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

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 155.65pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>Policyholder Information Notice</I></B></FONT></TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 60.25pt; line-height: 115%; width: 48%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>IMPORTANT NOTICE</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; line-height: 115%; width: 52%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>AVISO IMPORTANTE</I></B></FONT></TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">To obtain information or make a complaint:</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.85pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Para obtener informaci&oacute;n o para someter una</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.85pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">queja:</FONT></TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">You may call Chubb's toll-free telephone</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Usted puede llamar al n&uacute;mero de tel&eacute;fono gratis de</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">number for information or to make a complaint</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Chubb's para informaci&oacute;n o para someter una</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">at</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">queja al</FONT></TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>1-800-36-CHUBB</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>1-800-36-CHUBB</I></B></FONT></TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">You may contact the Texas Department of</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.85pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Puede comunicarse con el Departamento de</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Insurance to obtain the information on</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.85pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Seguros de Texas para obtener informaci&oacute;n</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">companies, coverages, rights or complaints at</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.85pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">acerca de compa&ntilde;ias coberturas, derechos o</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.85pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">quejas al</FONT></TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>(512) 676-6000 or (800) 578-4677</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>(512) 676-6000 or (800) 578-4677</I></B></FONT></TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">You may write the Texas Department of</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.85pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Puede escribir al Departamento de Seguros de</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Insurance</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.85pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Texas</FONT></TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">P.O. Box 149104</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.85pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">P.O. Box 149104</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Austin, TX 78714-9104</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.85pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Austin TX 78714-9104</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Fax # (512) 475-1771</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.85pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">FAX # (512) 475-1771</FONT></TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">You may email the Texas Department of</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.85pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Puede correo electr&oacute;nico Departamento de</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Insurance at:</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.85pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Seguros de Texas al:</FONT></TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif; color: blue">consumerprotection@tdi.texas.gov</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif; color: blue">consumerprotection@tdi.texas.gov</FONT></TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">You may visit the Texas Department of</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.85pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Puede visitar el Departamento de Seguros de</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Insurance&rsquo;s website at:</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.85pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Texas en el sitio web de:</FONT></TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif; color: blue">www.tdi.texas.gov</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif; color: blue">www.tdi.texas.gov</FONT></TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>PREMIUM OR CLAIM DISPUTES</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.85pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>DISPUTAS SOBRE PRIMAS O RECLAMOS:</I></B></FONT></TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Should you have a dispute concerning your</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.85pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Si tiene una disputa concerniente a su prima o a</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">premium or about a claim you should contact</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.85pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">un reclamo, debe comunicarse con el agente</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the agent first. If the dispute is not resolved,</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.85pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">primero. Si no se resueve la disputa, puede</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">you may contact the Texas Department of</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.85pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">entonces comunicarse con el departamento (TDI).</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Insurance.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>ATTACH THIS NOTICE TO YOUR POLICY:</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.85pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>UNA ESTE AVISO A SU POLIZA:</I></B></FONT></TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">This notice is for information only and does not</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.85pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Este aviso es solo para proposito de informaci&oacute;n y</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">become a part or condition of the attached</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.85pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">no se convierte en parte o condicion del</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">document.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.85pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">documento adjunto.</FONT></TD></TR>
</TABLE>
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<P STYLE="margin: 0"></P>

<P STYLE="margin: 0">99-10-0299 (01/2015)</P>




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<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="7" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Chubb Group of Insurance Companies</B></FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>DECLARATIONS</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">202B Hall&rsquo;s Mill Road</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>FINANCIAL INSTITUTION INVESTMENT</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Whitehouse Station, NJ 08889</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>COMPANY ASSET PROTECTION BOND</B></FONT></TD></TR>
<TR>
    <TD COLSPAN="10" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">NAME OF ASSURED (including its <B>Subsidiaries</B>):</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Bond Number:</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 1.45pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">82050480</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">EQUUS TOTAL RETURN, INC.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="10" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">700 LOUISIANA STREET, 48TH FLOOR</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>FEDERAL INSURANCE COMPANY</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">HOUSTON, TX</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">77002</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Incorporated under the laws of Indiana</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a stock insurance company herein called the COMPANY</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Capital Center, 251 North Illinois, Suite 1100</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Indianapolis, IN 46204-1927</FONT></TD></TR>
<TR>
    <TD COLSPAN="10" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>ITEM 1.</B></FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">BOND PERIOD: from</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">12:01 a.m. on</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.05in; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">March 28, 2024</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">to</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">12:01 a.m. on</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.05in; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">March 28, 2025</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>ITEM 2.</B></FONT></TD>
    <TD COLSPAN="6" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">LIMITS OF LIABILITY--DEDUCTIBLE AMOUNTS:</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="9" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">If &ldquo;Not Covered&rdquo; is inserted below opposite any specified INSURING CLAUSE, such INSURING CLAUSE and</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="9" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">any other reference shall be deemed to be deleted. <B>There shall be no deductible applicable to any loss</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>under INSURING CLAUSE 1. sustained by any Investment Company.</B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="10" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">SINGLE LOSS</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">DEDUCTIBLE</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 5.4pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">INSURING CLAUSE</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">LIMIT OF LIABILITY</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">AMOUNT</FONT></TD></TR>
<TR>
    <TD COLSPAN="10" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">1</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 12.35pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Employee</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">400,000</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">0</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">2</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 12.35pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">On Premises</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">400,000</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">10,000</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">3</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 12.35pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">In Transit</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">400,000</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">10,000</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">4</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">.</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 12.35pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Forgery or Alteration</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">400,000</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">10,000</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">5</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">.</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 12.35pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Extended Forgery</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">400,000</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">10,000</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">6</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">.</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 12.35pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Counterfeit Money</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">400,000</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">10,000</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">7</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">.</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 12.35pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Computer
    System Fraud</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">400,000</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">10,000</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">8</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">.</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 12.35pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Claims Expense</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Not Covered</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Not Covered</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">9</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">.</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 12.35pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Audit Expense</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">400,000</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,000</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">10</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">.</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 12.35pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Uncollectible Items of Deposit</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">250,000</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">5,000</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">11</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">.</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 12.35pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Voice Initiated Funds Transfer Instruction</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">400,000</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">10,000</FONT></TD></TR>
<TR>
    <TD COLSPAN="10" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>ITEM 3.</B></FONT></TD>
    <TD COLSPAN="9" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">THE LIABILITY OF THE COMPANY IS ALSO SUBJECT TO THE TERMS OF THE FOLLOWING</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">ENDORSEMENTS EXECUTED SIMULTANEOUSLY HEREWITH:</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="10" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.25in; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">1 - 5</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="10" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="10" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>IN WITNESS WHEREOF, THE COMPANY </B>has caused this Bond to be signed by its authorized officers, but it shall not be</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="8" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">valid unless also signed by an authorized representative of the Company.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P STYLE="font: 400 14pt Times New Roman, Times, Serif; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0px"></P>

<P></P>

<P>&nbsp;<IMG SRC="image_001.jpg" ALT="" STYLE="width: 674px; height: 212px"></P>


<P STYLE="margin: 0"></P>

<TABLE BORDER="0" CELLSPACING="0">
<TR>
    <TD STYLE="width: 56%">&nbsp;</TD>
    <TD STYLE="width: 44%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">ICAP Bond (5-98) - Federal</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Form 17-02-1421 (Ed. 5-98)</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Page 1 of 1</FONT></TD></TR>
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<P STYLE="margin: 0"></P>




<!-- Field: Page; Sequence: 8 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%"><TR STYLE="vertical-align: bottom"><TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The COMPANY, in consideration of payment of the required premium, and in reliance</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">on the APPLICATION and all other statements made and information furnished to the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">COMPANY by the ASSURED, and subject to the DECLARATIONS made a part of this</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Bond and to all other terms and conditions of this Bond, agrees to pay the ASSURED</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 21%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 7%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">for:</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 2%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 3%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 4%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 2%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 61%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="7" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>Insuring Clauses</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="7" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Employee</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">1.</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Loss resulting directly from <B>Larceny </B>or <B>Embezzlement </B>committed by any</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="7" STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Employee</B>, alone or in collusion with others.</FONT></TD></TR>
<TR>
    <TD COLSPAN="7" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>On Premises</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">2.</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Loss of <B>Property </B>resulting directly from robbery, burglary, false pretenses,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">common law or statutory larceny, misplacement, mysterious unexplainable</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">disappearance, damage, destruction or removal, from the possession, custody or</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">control of the ASSURED, while such <B>Property </B>is lodged or deposited at premises</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">located anywhere.</FONT></TD></TR>
<TR>
    <TD COLSPAN="7" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>In Transit</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">3.</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Loss of <B>Property </B>resulting directly from common law or statutory larceny,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">misplacement, mysterious unexplainable disappearance, damage or destruction,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">while the <B>Property </B>is in transit anywhere:</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a.</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">in an armored motor vehicle, including loading and unloading thereof,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">b.</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">in the custody of a natural person acting as a messenger of the ASSURED,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">or</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">c.</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">in the custody of a <B>Transportation Company </B>and being transported in a</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">conveyance other than an armored motor vehicle provided, however, that</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">covered <B>Property </B>transported in such manner is limited to the following:</FONT></TD></TR>
<TR>
    <TD COLSPAN="7" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(1)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">written records,</FONT></TD></TR>
<TR>
    <TD COLSPAN="7" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(2)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">securities issued in registered form, which are not endorsed or are</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="7" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">restrictively endorsed, or</FONT></TD></TR>
<TR>
    <TD COLSPAN="7" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(3)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">negotiable instruments not payable to bearer, which are not endorsed</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">or are restrictively endorsed.</FONT></TD></TR>
<TR>
    <TD COLSPAN="7" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Coverage under this INSURING CLAUSE begins immediately on the receipt of</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">such <B>Property </B>by the natural person or <B>Transportation Company </B>and ends</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">immediately on delivery to the premises of the addressee or to any representative</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">of the addressee located anywhere.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 400 14pt Times New Roman, Times, Serif; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0px"></P>

<P STYLE="margin: 0"></P>

<TABLE BORDER="0" CELLSPACING="0">
<TR>
    <TD STYLE="width: 56%">&nbsp;</TD>
    <TD STYLE="width: 44%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">ICAP Bond (5-98)</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Form 17-02-1421 (Ed. 5-98)</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Page 1 of 19</FONT></TD></TR>
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<P STYLE="margin: 0"></P>




<!-- Field: Page; Sequence: 9 -->
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<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 22%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>Insuring Clauses</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 6%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 4%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 5%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 61%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>(continued)</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="6" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Forgery Or Alteration</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">4.</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Loss resulting directly from:</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a.</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Forgery </B>on, or fraudulent material alteration of, any bills of exchange,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">checks, drafts, acceptances, certificates of deposits, promissory notes, due</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">bills, money orders, orders upon public treasuries, letters of credit, other</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">written promises, orders or directions to pay sums certain in money, or</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">receipts for the withdrawal of <B>Property</B>, or</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">b.</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">transferring, paying or delivering any funds or other <B>Property</B>, or establishing</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">any credit or giving any value in reliance on any written instructions, advices</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">or applications directed to the ASSURED authorizing or acknowledging the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">transfer, payment, delivery or receipt of funds or other <B>Property</B>, which</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">instructions, advices or applications fraudulently purport to bear the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">handwritten signature of any customer of the ASSURED, or shareholder or</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">subscriber to shares of an <B>Investment Company</B>, or of any financial</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">institution or <B>Employee </B>but which instructions, advices or applications either</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">bear a <B>Forgery </B>or have been fraudulently materially altered without the</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">knowledge and consent of such customer, shareholder, subscriber, financial</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">institution or <B>Employee</B>;</FONT></TD></TR>
<TR>
    <TD COLSPAN="6" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">excluding, however, under this INSURING CLAUSE any loss covered under</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">INSURING CLAUSE 5. of this Bond, whether or not coverage for INSURING</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">CLAUSE 5. is provided for in the DECLARATIONS of this Bond.</FONT></TD></TR>
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    <TD COLSPAN="6" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">For the purpose of this INSURING CLAUSE, a mechanically reproduced facsimile</FONT></TD></TR>
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    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">signature is treated the same as a handwritten signature.</FONT></TD></TR>
<TR>
    <TD COLSPAN="6" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Extended Forgery</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">5.</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Loss resulting directly from the ASSURED having, in good faith, and in the</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">ordinary course of business, for its own account or the account of others in any</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">capacity:</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a.</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">acquired, accepted or received, sold or delivered, or given value, extended</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">credit or assumed liability, in reliance on any original <B>Securities,</B></FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>documents or other written instruments </B>which prove to:</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(1)</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">bear a <B>Forgery </B>or a fraudulently material alteration,</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(2)</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">have been lost or stolen, or</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(3)</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">be <B>Counterfeit</B>, or</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">b.</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">guaranteed in writing or witnessed any signatures on any transfer,</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">assignment, bill of sale, power of attorney, guarantee, endorsement or other</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">obligation upon or in connection with any <B>Securities, documents or other</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>written instruments</B>.</FONT></TD></TR>
<TR>
    <TD COLSPAN="6" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Actual physical possession, and continued actual physical possession if taken as</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">collateral, of such <B>Securities, documents or other written instruments </B>by an</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Employee, Custodian</B>, or a Federal or State chartered deposit institution of the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">ASSURED is a condition precedent to the ASSURED having relied on such items.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Release or return of such collateral is an acknowledgment by the ASSURED that it</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">no longer relies on such collateral.</FONT></TD></TR>
</TABLE>
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    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">ICAP Bond (5-98)</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Form 17-02-1421 (Ed. 5-98)</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Page 2 of 19</FONT></TD></TR>
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<TR>
    <TD STYLE="padding: 0.75pt; width: 21%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 6%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 4%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 4%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 61%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>Insuring Clauses</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="7" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Extended Forgery</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">For the purpose of this INSURING CLAUSE, a mechanically reproduced facsimile</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>(continued)</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">signature is treated the same as a handwritten signature.</FONT></TD></TR>
<TR>
    <TD COLSPAN="7" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="7" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Counterfeit Money</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">6.</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Loss resulting directly from the receipt by the ASSURED in good faith of any</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Counterfeit </B>money.</FONT></TD></TR>
<TR>
    <TD COLSPAN="7" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="7" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Threats To Person</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">7.</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Loss resulting directly from surrender of <B>Property </B>away from an office of the</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">ASSURED as a result of a threat communicated to the ASSURED to do bodily</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">harm to an <B>Employee </B>as defined in SECTION 1.e. (1), (2) and (5), a <B>Relative </B>or</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">invitee of such <B>Employee</B>, or a resident of the household of such <B>Employee</B>, who</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">is, or allegedly is, being held captive provided, however, that prior to the surrender</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">of such <B>Property</B>:</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a.</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the <B>Employee </B>who receives the threat has made a reasonable effort to</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">notify an officer of the ASSURED who is not involved in such threat, and</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">b.</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the ASSURED has made a reasonable effort to notify the Federal Bureau of</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Investigation and local law enforcement authorities concerning such threat.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">It is agreed that for purposes of this INSURING CLAUSE, any <B>Employee </B>of the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">ASSURED, as set forth in the preceding paragraph, shall be deemed to be an</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">ASSURED hereunder, but only with respect to the surrender of money, securities</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">and other tangible personal property in which such <B>Employee </B>has a legal or</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">equitable interest.</FONT></TD></TR>
<TR>
    <TD COLSPAN="7" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="7" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Computer System</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">8.</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Loss resulting directly from fraudulent:</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a.</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">entries of data into, or</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">b.</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">changes of data elements or programs within,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a <B>Computer System</B>, provided the fraudulent entry or change causes:</FONT></TD></TR>
<TR>
    <TD COLSPAN="7" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(1)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">funds or other property to be transferred, paid or delivered,</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(2)</FONT></TD>
    <TD STYLE="padding: 0.75pt; vertical-align: top">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; vertical-align: bottom">
        <P STYLE="font: 8pt/normal Arial, Helvetica, Sans-Serif; margin: 0">an account of the ASSURED or of its customer to be added, deleted,</P>
        <P STYLE="font: 8pt/normal Arial, Helvetica, Sans-Serif; margin: 0">debited or credited, or</P></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(3)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">an unauthorized account or a fictitious account to be debited or</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">credited.</FONT></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE BORDER="0" CELLSPACING="0">
<TR>
    <TD STYLE="width: 56%">&nbsp;</TD>
    <TD STYLE="width: 44%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">ICAP Bond (5-98)</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Form 17-02-1421 (Ed. 5-98)</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Page 3 of 19</FONT></TD></TR>
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<P STYLE="margin: 0"></P>




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<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 22%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>Insuring Clauses</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 6%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 4%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 66%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>(continued)</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Voice Initiated Funds</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">9.</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Loss resulting directly from <B>Voice Initiated Funds Transfer Instruction </B>directed</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Transfer Instruction</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">to the ASSURED authorizing the transfer of dividends or redemption proceeds of</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Investment Company </B>shares from a <B>Customer's </B>account, provided such <B>Voice</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Initiated Funds Transfer Instruction </B>was:</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">received at the ASSURED'S offices by those <B>Employees </B>of the ASSURED</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">specifically authorized to receive the <B>Voice Initiated Funds Transfer</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Instruction</B>,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">b.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">made by a person purporting to be a <B>Customer</B>, and</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">c.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">made by said person for the purpose of causing the ASSURED or <B>Customer</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">to sustain a loss or making an improper personal financial gain for such</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">person or any other person.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">In order for coverage to apply under this INSURING CLAUSE, all <B>Voice Initiated</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Funds Transfer Instructions </B>must be received and processed in accordance with</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the Designated Procedures outlined in the APPLICATION furnished to the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">COMPANY.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Uncollectible Items of</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">10.</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Loss resulting directly from the ASSURED having credited an account of a</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Deposit</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">customer, shareholder or subscriber on the faith of any <B>Items of Deposit </B>which</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">prove to be uncollectible, provided that the crediting of such account causes:</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">redemptions or withdrawals to be permitted,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">b.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">shares to be issued, or</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">c.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">dividends to be paid,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">from an account of an <B>Investment Company</B>.</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">In order for coverage to apply under this INSURING CLAUSE, the ASSURED</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">must hold <B>Items of Deposit </B>for the minimum number of days stated in the</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">APPLICATION before permitting any redemptions or withdrawals, issuing any</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">shares or paying any dividends with respect to such <B>Items of Deposit</B>.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Items of Deposit </B>shall not be deemed uncollectible until the ASSURED'S</FONT></TD></TR>
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    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">standard collection procedures have failed.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Audit Expense</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">11.</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Expense incurred by the ASSURED for that part of the cost of audits or</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">examinations required by any governmental regulatory authority or self-regulatory</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">organization to be conducted by such authority, organization or their appointee by</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">reason of the discovery of loss sustained by the ASSURED and covered by this</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Bond.</FONT></TD></TR>
</TABLE>
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<P>&nbsp;</P>

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    <TD STYLE="width: 56%">&nbsp;</TD>
    <TD STYLE="width: 44%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">ICAP Bond (5-98)</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Form 17-02-1421 (Ed. 5-98)</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Page 4 of 19</FONT></TD></TR>
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<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%">
<TR>
    <TD STYLE="padding: 0.75pt; width: 23%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 4%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 3%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 68%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>General Agreements</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Additional Companies</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">A.</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">If more than one corporation, or <B>Investment Company</B>, or any combination of</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Included As Assured</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">them is included as the ASSURED herein:</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(1)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The total liability of the COMPANY under this Bond for loss or losses</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">sustained by any one or more or all of them shall not exceed the limit for</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">which the COMPANY would be liable under this Bond if all such loss were</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">sustained by any one of them.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(2)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Only the first named ASSURED shall be deemed to be the sole agent of the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">others for all purposes under this Bond, including but not limited to the giving</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">or receiving of any notice or proof required to be given and for the purpose of</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">effecting or accepting any amendments to or termination of this Bond. The</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">COMPANY shall furnish each <B>Investment Company </B>with a copy of the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Bond and with any amendment thereto, together with a copy of each formal</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">filing of claim by any other named ASSURED and notification of the terms of</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the settlement of each such claim prior to the execution of such settlement.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(3)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The COMPANY shall not be responsible for the proper application of any</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">payment made hereunder to the first named ASSURED.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(4)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Knowledge possessed or discovery made by any partner, director, trustee,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">officer or supervisory employee of any ASSURED shall constitute knowledge</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">or discovery by all the ASSUREDS for the purposes of this Bond.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(5)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">If the first named ASSURED ceases for any reason to be covered under this</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Bond, then the ASSURED next named on the APPLICATION shall thereafter</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">be considered as the first named ASSURED for the purposes of this Bond.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Representation Made By</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">B.</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The ASSURED represents that all information it has furnished in the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Assured</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">APPLICATION for this Bond or otherwise is complete, true and correct. Such</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">APPLICATION and other information constitute part of this Bond.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The ASSURED must promptly notify the COMPANY of any change in any fact or</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">circumstance which materially affects the risk assumed by the COMPANY under</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">this Bond.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Any intentional misrepresentation, omission, concealment or incorrect statement of</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a material fact, in the APPLICATION or otherwise, shall be grounds for recision of</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">this Bond.</FONT></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P>&nbsp;</P>

<TABLE BORDER="0" CELLSPACING="0">
<TR>
    <TD STYLE="width: 56%">&nbsp;</TD>
    <TD STYLE="width: 44%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">ICAP Bond (5-98)</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Form 17-02-1421 (Ed. 5-98)</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Page 5 of 19</FONT></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>




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<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%">
<TR>
    <TD STYLE="padding: 0.75pt; width: 25%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 3%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 6%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 64%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>General Agreements</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>(continued)</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Additional Offices Or</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">C.</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">If the ASSURED, other than an <B>Investment Company</B>, while this Bond is in force,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Employees - Consolidation,</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">merges or consolidates with, or purchases or acquires assets or liabilities of</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Merger Or Purchase Or</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">another institution, the ASSURED shall not have the coverage afforded under this</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Acquisition Of Assets Or</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Bond for loss which has:</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Liabilities - Notice To</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(1)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">occurred or will occur on premises, or</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Company</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(2)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">been caused or will be caused by an employee, or</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(3)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">arisen or will arise out of the assets or liabilities,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">of such institution, unless the ASSURED:</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">gives the COMPANY written notice of the proposed consolidation, merger or</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">purchase or acquisition of assets or liabilities prior to the proposed effective</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">date of such action, and</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">b.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">obtains the written consent of the COMPANY to extend some or all of the</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">coverage provided by this Bond to such additional exposure, and</FONT></TD></TR>
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    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">c.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">on obtaining such consent, pays to the COMPANY an additional premium.</FONT></TD></TR>
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    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Change Of Control -</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">D.</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">When the ASSURED learns of a change in control (other than in an <B>Investment</B></FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Notice To Company</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Company</B>), as set forth in Section 2(a) (9) of the Investment Company Act of</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">1940,</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the ASSURED shall within sixty (60) days give written notice to the</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">COMPANY setting forth:</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(1)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the names of the transferors and transferees (or the names of the beneficial</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">owners if the voting securities are registered in another name),</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(2)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the total number of voting securities owned by the transferors and the</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">transferees (or the beneficial owners), both immediately before and after the</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">transfer, and</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(3)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the total number of outstanding voting securities.</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Failure to give the required notice shall result in termination of coverage for any</FONT></TD></TR>
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    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt 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" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Court Costs And</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">E.</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The COMPANY will indemnify the ASSURED for court costs and reasonable</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Attorneys&rsquo; Fees</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">attorneys' fees incurred and paid by the ASSURED in defense, whether or not</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">successful, whether or not fully litigated on the merits and whether or not settled,</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">of any claim, suit or legal proceeding with respect to which the ASSURED would</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">be entitled to recovery under this Bond. However, with respect to INSURING</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">CLAUSE 1., this Section shall only apply in the event that:</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(1)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">an <B>Employee </B>admits to being guilty of <B>Larceny or Embezzlement</B>,</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(2)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">an <B>Employee </B>is adjudicated to be guilty of <B>Larceny or Embezzlement</B>, or</FONT></TD></TR>
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<P>&nbsp;</P>

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    <TD STYLE="width: 56%">&nbsp;</TD>
    <TD STYLE="width: 44%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">ICAP Bond (5-98)</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Form 17-02-1421 (Ed. 5-98)</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Page 6 of 19</FONT></TD></TR>
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    <TD STYLE="padding: 0.75pt; width: 26%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 7%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 67%">&nbsp;</TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>General Agreements</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Court Costs And</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(3)</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">in the absence of 1 or 2 above, an arbitration panel agrees, after a review of</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Attorneys&rsquo; Fees</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">an agreed statement of facts between the COMPANY and the ASSURED,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>(continued)</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">that an <B>Employee </B>would be found guilty of <B>Larceny or Embezzlement </B>if</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">such <B>Employee </B>were prosecuted.</FONT></TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The ASSURED shall promptly give notice to the COMPANY of any such suit or</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">legal proceeding and at the request of the COMPANY shall furnish copies of all</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">pleadings and pertinent papers to the COMPANY. The COMPANY may, at its</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">sole option, elect to conduct the defense of all or part of such legal proceeding.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The defense by the COMPANY shall be in the name of the ASSURED through</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">attorneys selected by the COMPANY. The ASSURED shall provide all reasonable</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">information and assistance as required by the COMPANY for such defense.</FONT></TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">If the COMPANY declines to defend the ASSURED, no settlement without the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">prior written consent of the COMPANY nor judgment against the ASSURED shall</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">determine the existence, extent or amount of coverage under this Bond.</FONT></TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">If the amount demanded in any such suit or legal proceeding is within the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">DEDUCTIBLE AMOUNT, if any, the COMPANY shall have no liability for court</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">costs and attorney's fees incurred in defending all or part of such suit or legal</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">proceeding.</FONT></TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">If the amount demanded in any such suit or legal proceeding is in excess of the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">LIMIT OF LIABILITY stated in ITEM 2. of the DECLARATIONS for the applicable</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">INSURING CLAUSE, the COMPANY'S liability for court costs and attorney's fees</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">incurred in defending all or part of such suit or legal proceedings is limited to the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">proportion of such court costs and attorney's fees incurred that the LIMIT OF</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">LIABILITY stated in ITEM 2. of the DECLARATIONS for the applicable INSURING</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">CLAUSE bears to the total of the amount demanded in such suit or legal</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">proceeding.</FONT></TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">If the amount demanded is any such suit or legal proceeding is in excess of the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">DEDUCTIBLE AMOUNT, if any, but within the LIMIT OF LIABILITY stated in ITEM</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">2.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">of the DECLARATIONS for the applicable INSURING CLAUSE, the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">COMPANY'S liability for court costs and attorney's fees incurred in defending all or</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">part of such suit or legal proceedings shall be limited to the proportion of such</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">court costs or attorney's fees that the amount demanded that would be payable</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">under this Bond after application of the DEDUCTIBLE AMOUNT, bears to the total</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">amount demanded.</FONT></TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Amounts paid by the COMPANY for court costs and attorneys' fees shall be in</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">addition to the LIMIT OF LIABILITY stated in ITEM 2. of the DECLARATIONS.</FONT></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P>&nbsp;</P>

<TABLE BORDER="0" CELLSPACING="0">
<TR>
    <TD STYLE="width: 56%">&nbsp;</TD>
    <TD STYLE="width: 44%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">ICAP Bond (5-98)</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Form 17-02-1421 (Ed. 5-98)</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Page 7 of 19</FONT></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>




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<P STYLE="margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 25%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>Conditions and</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 3%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 1%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 7%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 60%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>Limitations</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="7" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Definitions</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">1.</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">As used in this Bond:</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a.</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Computer System </B>means a computer and all input, output, processing,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">storage, off-line media libraries, and communication facilities which are</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">connected to the computer and which are under the control and supervision</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">of the operating system(s) or application(s) software used by the ASSURED.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">b.</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Counterfeit </B>means an imitation of an actual valid original which is intended</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">to deceive and be taken as the original.</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">c.</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Custodian </B>means the institution designated by an <B>Investment Company </B>to</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">maintain possession and control of its assets.</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">d.</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Customer </B>means an individual, corporate, partnership, trust customer,</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">shareholder or subscriber of an <B>Investment Company </B>which has a written</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">agreement with the ASSURED for <B>Voice Initiated Funds Transfer</B></FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Instruction</B>.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">e.</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Employee </B>means:</FONT></TD></TR>
<TR>
    <TD COLSPAN="7" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(1)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">an officer of the ASSURED,</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(2)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a natural person while in the regular service of the ASSURED at any of</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the ASSURED'S premises and compensated directly by the ASSURED</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">through its payroll system and subject to the United States Internal</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Revenue Service Form W-2 or equivalent income reporting plans of</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">other countries, and whom the ASSURED has the right to control and</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">direct both as to the result to be accomplished and details and means</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">by which such result is accomplished in the performance of such</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">service,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(3)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a guest student pursuing studies or performing duties in any of the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="7" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">ASSURED'S premises,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(4)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">an attorney retained by the ASSURED and an employee of such</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">attorney while either is performing legal services for the ASSURED,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(5)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a natural person provided by an employment contractor to perform</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">employee duties for the ASSURED under the ASSURED'S supervision</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">at any of the ASSURED'S premises,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(6)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">an employee of an institution merged or consolidated with the</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">ASSURED prior to the effective date of this Bond,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(7)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a director or trustee of the ASSURED, but only while performing acts</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">within the scope of the customary and usual duties of any officer or</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">other employee of the ASSURED or while acting as a member of any</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">committee duly elected or appointed to examine or audit or have</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">custody of or access to <B>Property </B>of the ASSURED, or</FONT></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P>&nbsp;</P>

<TABLE BORDER="0" CELLSPACING="0">
<TR>
    <TD STYLE="width: 56%">&nbsp;</TD>
    <TD STYLE="width: 44%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">ICAP Bond (5-98)</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Form 17-02-1421 (Ed. 5-98)</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Page 8 of 19</FONT></TD></TR>
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<P STYLE="margin: 0"></P>




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<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 27%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>Conditions and</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 3%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 3%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 3%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 64%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>Limitations</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Definitions</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(8)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">each natural person, partnership or corporation authorized by written</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>(continued)</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">agreement with the ASSURED to perform services as electronic data</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">processor of checks or other accounting records related to such checks but</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">only while such person, partnership or corporation is actually performing</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">such services and not:</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">creating, preparing, modifying or maintaining the ASSURED'S</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">computer software or programs, or</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">b.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">acting as transfer agent or in any other agency capacity in issuing</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">checks, drafts or securities for the ASSURED,</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(9)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">any partner, officer or employee of an investment advisor, an underwriter</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(distributor), a transfer agent or shareholder accounting recordkeeper, or an</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">administrator, for an <B>Investment Company </B>while performing acts coming</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">within the scope of the customary and usual duties of an officer or employee</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">of an <B>Investment Company </B>or acting as a member of any committee duly</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">elected or appointed to examine, audit or have custody of or access to</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Property </B>of <B>an Investment Company</B>.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The term <B>Employee </B>shall not include any partner, officer or employee of a</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">transfer agent, shareholder accounting recordkeeper or administrator:</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">which is not an &quot;affiliated person&quot; (as defined in Section 2(a) of the</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Investment Company Act of 1940) of an <B>Investment Company </B>or of</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the investment advisor or underwriter (distributor) of such <B>Investment</B></FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Company</B>, or</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">b.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">which is a &quot;bank&quot; (as defined in Section 2(a) of the Investment</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Company Act of 1940).</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">This Bond does not afford coverage in favor of the employers of</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">persons as set forth in e. (4), (5) and (8) above, and upon payment to</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the ASSURED by the COMPANY resulting directly from <B>Larceny or</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Embezzlement </B>committed by any of the partners, officers or</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">employees of such employers, whether acting alone or in collusion with</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">others, an assignment of such of the ASSURED'S rights and causes of</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">action as it may have against such employers by reason of such acts</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">so committed shall, to the extent of such payment, be given by the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">ASSURED to the COMPANY, and the ASSURED shall execute all</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">papers necessary to secure to the COMPANY the rights provided for</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">herein.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Each employer of persons as set forth in e.(4), (5) and (8) above and the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">partners, officers and other employees of such employers shall collectively</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">be deemed to be one person for all the purposes of this Bond; excepting,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">however, the fifth paragraph of Section 13.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Independent contractors not specified in e.(4), (5) or (8) above,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">intermediaries, agents, brokers or other representatives of the same general</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">character shall not be considered <B>Employees</B>.</FONT></TD></TR>
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    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">ICAP Bond (5-98)</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Form 17-02-1421 (Ed. 5-98)</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Page 9 of 19</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 29%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>Conditions and</I></B></FONT></TD>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Definitions</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">f.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Forgery </B>means the signing of the name of another natural person with the</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>(continued)</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">intent to deceive but does not mean a signature which consists in whole or in</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">part of one's own name, with or without authority, in any capacity for any</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">purpose.</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">g.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Investment Company </B>means any investment company registered under the</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Investment Company Act of 1940 and listed under the NAME OF ASSURED</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">on the DECLARATIONS.</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">h.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Items of Deposit </B>means one or more checks or drafts drawn upon a</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">financial institution in the United States of America.</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">i.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Larceny or Embezzlement </B>means larceny or embezzlement as defined in</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Section 37 of the Investment Company Act of 1940.</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">j.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Property </B>means money, revenue and other stamps; securities; including any</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">note, stock, treasury stock, bond, debenture, evidence of indebtedness,</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">certificate of deposit, certificate of interest or participation in any profit-</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">sharing agreement, collateral trust certificate, preorganization certificate or</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">subscription, transferable share, investment contract, voting trust certificate,</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">certificate of deposit for a security, fractional undivided interest in oil, gas, or</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">other mineral rights, any interest or instruments commonly known as a</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">security under the Investment Company Act of 1940, any other certificate of</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">interest or participation in, temporary or interim certificate for, receipt for,</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">guarantee of, or warrant or right to subscribe to or purchase any of the</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">foregoing; bills of exchange; acceptances; checks; withdrawal orders; money</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">orders; travelers' letters of credit; bills of lading; abstracts of title; insurance</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">policies, deeds, mortgages on real estate and/or upon chattels and interests</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">therein; assignments of such policies, deeds or mortgages; other valuable</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">papers, including books of accounts and other records used by the</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">ASSURED in the conduct of its business (but excluding all electronic data</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">processing records); and, all other instruments similar to or in the nature of</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the foregoing in which the ASSURED acquired an interest at the time of the</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">ASSURED'S consolidation or merger with, or purchase of the principal</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">assets of, a predecessor or which are held by the ASSURED for any</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">purpose or in any capacity and whether so held gratuitously or not and</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">whether or not the ASSURED is liable therefor.</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">k.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Relative </B>means the spouse of an <B>Employee </B>or partner of the ASSURED</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">and any unmarried child supported wholly by, or living in the home of, such</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Employee </B>or partner and being related to them by blood, marriage or legal</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">guardianship.</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">l.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Securities, documents or other written instruments </B>means original</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(including original counterparts) negotiable or non-negotiable instruments, or</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">assignments thereof, which in and of themselves represent an equitable</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">interest, ownership, or debt and which are in the ordinary course of business</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">transferable by delivery of such instruments with any necessary</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">endorsements or assignments.</FONT></TD></TR>
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    <TD STYLE="width: 55%">&nbsp;</TD>
    <TD STYLE="width: 45%">&nbsp;</TD></TR>
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    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">ICAP Bond (5-98)</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Form 17-02-1421 (Ed. 5-98)</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Page 10 of 19</FONT></TD></TR>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 24%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>Conditions and</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 3%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 3%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 68%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>Limitations</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Definitions</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">m.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Subsidiary </B>means any organization that, at the inception date of this Bond,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>(continued)</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">is named in the APPLICATION or is created during the BOND PERIOD and</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">of which more than fifty percent (50%) of the outstanding securities or voting</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">rights representing the present right to vote for election of directors is owned</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">or controlled by the ASSURED either directly or through one or more of its</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">subsidiaries.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">n.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Transportation Company </B>means any organization which provides its own</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">or its leased vehicles for transportation or which provides freight forwarding</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">or air express services.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">o.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Voice Initiated Election </B>means any election concerning dividend options</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">available to <B>Investment Company </B>shareholders or subscribers which is</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">requested by voice over the telephone.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">p.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Voice Initiated Redemption </B>means any redemption of shares issued by an</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Investment Company </B>which is requested by voice over the telephone.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">q.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Voice Initiated Funds Transfer Instruction </B>means any <B>Voice Initiated</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Redemption </B>or <B>Voice Initiated Election</B>.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">For the purposes of these definitions, the singular includes the plural and the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">plural includes the singular, unless otherwise indicated.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>General Exclusions -</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">2.</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>This bond does not directly or indirectly cover:</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Applicable to All Insuring</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">loss not reported to the COMPANY in writing within sixty (60) days after</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Clauses</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">termination of this Bond as an entirety;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">b.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">loss due to riot or civil commotion outside the United States of America and</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Canada, or any loss due to military, naval or usurped power, war or</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">insurrection. This Section 2.b., however, shall not apply to loss which occurs</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">in transit in the circumstances recited in INSURING CLAUSE 3., provided</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">that when such transit was initiated there was no knowledge on the part of</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">any person acting for the ASSURED of such riot, civil commotion, military,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">naval or usurped power, war or insurrection;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">c.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">loss resulting from the effects of nuclear fission or fusion or radioactivity;</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">d.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">loss of potential income including, but not limited to, interest and dividends</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">not realized by the ASSURED or by any customer of the ASSURED;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">e.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">damages of any type for which the ASSURED is legally liable, except</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">compensatory damages, but not multiples thereof, arising from a loss</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">covered under this Bond;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">f.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">costs, fees and expenses incurred by the ASSURED in establishing the</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">existence of or amount of loss under this Bond, except to the extent covered</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">under INSURING CLAUSE 11.;</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">g.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">loss resulting from indirect or consequential loss of any nature;</FONT></TD></TR>
</TABLE>
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<P>&nbsp;</P>

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    <TD STYLE="width: 55%">&nbsp;</TD>
    <TD STYLE="width: 45%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">ICAP Bond (5-98)</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Form 17-02-1421 (Ed. 5-98)</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Page 11 of 19</FONT></TD></TR>
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<TR>
    <TD STYLE="padding: 0.75pt; width: 27%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 1%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 4%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 4%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 58%">&nbsp;</TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>Conditions and</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>Limitations</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="8" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="8" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>General Exclusions -</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">h.</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">loss resulting from dishonest acts by any member of the Board of Directors</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Applicable to All Insuring</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">or Board of Trustees of the ASSURED who is not an <B>Employee</B>, acting</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Clauses</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">alone or in collusion with others;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>(continued)</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">i.</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">loss, or that part of any loss, resulting solely from any violation by the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="8" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">ASSURED or by any <B>Employee</B>:</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(1</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">)</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">of any law regulating:</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the issuance, purchase or sale of securities,</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">b.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">securities transactions on security or commodity exchanges or</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the over the counter market,</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">c.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">investment companies,</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">d.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">investment advisors, or</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(2</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">)</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">of any rule or regulation made pursuant to any such law; or</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">j.</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">loss of confidential information, material or data;</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">k.</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">loss resulting from voice requests or instructions received over the</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">telephone, provided however, this Section 2.k. shall not apply to INSURING</FONT></TD></TR>
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    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">CLAUSE 7 or 9.</FONT></TD></TR>
<TR>
    <TD COLSPAN="8" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="8" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Specific Exclusions -</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">3.</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>This Bond does not directly or indirectly cover:</B></FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Applicable To All Insuring</I></FONT></TD>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a.</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">loss caused by an <B>Employee</B>, provided, however, this Section 3.a. shall not</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Clauses Except Insuring</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">apply to loss covered under INSURING CLAUSE 2. or 3. which results</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Clause 1.</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">directly from misplacement, mysterious unexplainable disappearance, or</FONT></TD></TR>
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    <TD COLSPAN="8" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">damage or destruction of <B>Property</B>;</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">b.</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">loss through the surrender of property away from premises of the ASSURED</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">as a result of a threat:</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(1)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">to do bodily harm to any natural person, except loss of <B>Property </B>in</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">transit in the custody of any person acting as messenger of the</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">ASSURED, provided that when such transit was initiated there was no</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">knowledge by the ASSURED of any such threat, and provided further</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">that this Section 3.b. shall not apply to INSURING CLAUSE 7., or</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(2)</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">to do damage to the premises or <B>Property </B>of the ASSURED;</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">c.</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">loss resulting from payments made or withdrawals from any account</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">involving erroneous credits to such account;</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">d.</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">loss involving <B>Items of Deposit </B>which are not finally paid for any reason</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">provided however, that this Section 3.d. shall not apply to INSURING</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">CLAUSE 10;</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">e.</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">loss of property while in the mail;</FONT></TD></TR>
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    <TD STYLE="width: 55%">&nbsp;</TD>
    <TD STYLE="width: 45%">&nbsp;</TD></TR>
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    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">ICAP Bond (5-98)</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Form 17-02-1421 (Ed. 5-98)</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Page 12 of 19</FONT></TD></TR>
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<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 32%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>Conditions and</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 14%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 11%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 14%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 15%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 8%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>Limitations</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="9" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Specific Exclusions -</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">f.</FONT></TD>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">loss resulting from the failure for any reason of a financial or depository</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Applicable To All Insuring</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">institution, its receiver or other liquidator to pay or deliver funds or other</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Clauses Except Insuring</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Property </B>to the ASSURED provided further that this Section 3.f. shall not</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Clause 1.</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">apply to loss of <B>Property </B>resulting directly from robbery, burglary,</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>(continued)</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">misplacement, mysterious unexplainable disappearance, damage,</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">destruction or removal from the possession, custody or control of the</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">ASSURED.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">g.</FONT></TD>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">loss of <B>Property </B>while in the custody of a <B>Transportation Company</B>,</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">provided however, that this Section 3.g. shall not apply to INSURING</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">CLAUSE 3.;</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">h.</FONT></TD>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">loss resulting from entries or changes made by a natural person with</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">authorized access to a <B>Computer System </B>who acts in good faith on</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">instructions, unless such instructions are given to that person by a software</FONT></TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">contractor or its partner, officer, or employee authorized by the ASSURED to</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">design, develop, prepare, supply, service, write or implement programs for</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the ASSURED's <B>Computer System</B>; or</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">i.</FONT></TD>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">loss resulting directly or indirectly from the input of data into a <B>Computer</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>System </B>terminal, either on the premises of the customer of the ASSURED</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">or under the control of such a customer, by a customer or other person who</FONT></TD></TR>
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    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">had authorized access to the customer's authentication mechanism.</FONT></TD></TR>
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    <TD COLSPAN="9" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Specific Exclusions -</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">4.</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>This bond does not directly or indirectly cover:</B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Applicable To All Insuring</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a.</FONT></TD>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">loss resulting from the complete or partial non-payment of or default on any</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Clauses Except Insuring</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">loan whether such loan was procured in good faith or through trick, artifice,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Clauses 1., 4., And 5.</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">fraud or false pretenses; provided, however, this Section 4.a. shall not apply</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">to INSURING CLAUSE 8.;</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">b.</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">loss resulting from forgery or any alteration;</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">c.</FONT></TD>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">loss involving a counterfeit provided, however, this Section 4.c. shall not</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">apply to INSURING CLAUSE 5. or 6.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="9" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Limit Of Liability/Non-</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">5.</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">At all times prior to termination of this Bond, this Bond shall continue in force for</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Reduction And Non-</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the limit stated in the applicable sections of ITEM 2. of the DECLARATIONS,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Accumulation Of Liability</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">notwithstanding any previous loss for which the COMPANY may have paid or be</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">liable to pay under this Bond provided, however, that the liability of the COMPANY</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">under this Bond with respect to all loss resulting from:</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a.</FONT></TD>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">any one act of burglary, robbery or hold-up, or attempt thereat, in which no</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Employee </B>is concerned or implicated, or</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">b.</FONT></TD>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">any one unintentional or negligent act on the part of any one person</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">resulting in damage to or destruction or misplacement of <B>Property</B>, or</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">c.</FONT></TD>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">all acts, other than those specified in a. above, of any one person, or</FONT></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P>&nbsp;</P>

<TABLE BORDER="0" CELLSPACING="0">
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    <TD STYLE="width: 45%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">ICAP Bond (5-98)</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Form 17-02-1421 (Ed. 5-98)</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Page 13 of 19</FONT></TD></TR>
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<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 25%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>Conditions and</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 3%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 4%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 66%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>Limitations</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Limit Of Liability/Non-</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">d.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">any one casualty or event other than those specified in a., b., or c. above,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Reduction And Non-</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">shall be deemed to be one loss and shall be limited to the applicable LIMIT OF</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Accumulation Of Liability</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">LIABILITY stated in ITEM 2. of the DECLARATIONS of this Bond irrespective of</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>(continued)</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the total amount of such loss or losses and shall not be cumulative in amounts</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">from year to year or from period to period.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">All acts, as specified in c. above, of any one person which</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">i.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">directly or indirectly aid in any way wrongful acts of any other person or</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">persons, or</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">ii.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">permit the continuation of wrongful acts of any other person or persons</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">whether such acts are committed with or without the knowledge of the wrongful</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">acts of the person so aided, and whether such acts are committed with or without</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the intent to aid such other person, shall be deemed to be one loss with the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">wrongful acts of all persons so aided.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Discovery</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">6.</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">This Bond applies only to loss first discovered by an officer of the ASSURED</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">during the BOND PERIOD. Discovery occurs at the earlier of an officer of the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">ASSURED being aware of:</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">facts which may subsequently result in a loss of a type covered by this Bond,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">or</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">b.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">an actual or potential claim in which it is alleged that the ASSURED is liable</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">to a third party,</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">regardless of when the act or acts causing or contributing to such loss occurred,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">even though the amount of loss does not exceed the applicable DEDUCTIBLE</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt 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" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Notice To Company -</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">7.</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The ASSURED shall give the COMPANY notice thereof at the earliest</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Proof - Legal Proceedings</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">practicable moment, not to exceed sixty (60) days after discovery of loss, in</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Against Company</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">an amount that is in excess of 50% of the applicable DEDUCTIBLE</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">AMOUNT, as stated in ITEM 2. of the DECLARATIONS.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">b.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The ASSURED shall furnish to the COMPANY proof of loss, duly sworn to,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">with full particulars within six (6) months after such discovery.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">c.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Securities listed in a proof of loss shall be identified by certificate or bond</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">numbers, if issued with them.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">d.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Legal proceedings for the recovery of any loss under this Bond shall not be</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">brought prior to the expiration of sixty (60) days after the proof of loss is filed</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">with the COMPANY or after the expiration of twenty-four (24) months from</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the discovery of such loss.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">e.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">This Bond affords coverage only in favor of the ASSURED. No claim, suit,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">action or legal proceedings shall be brought under this Bond by anyone</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">other than the ASSURED.</FONT></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P>&nbsp;</P>

<TABLE BORDER="0" CELLSPACING="0">
<TR>
    <TD STYLE="width: 55%">&nbsp;</TD>
    <TD STYLE="width: 45%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">ICAP Bond (5-98)</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Form 17-02-1421 (Ed. 5-98)</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Page 14 of 19</FONT></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>




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<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 25%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>Conditions and</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 4%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 67%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>Limitations</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Notice To Company -</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">f.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Proof of loss involving <B>Voice Initiated Funds Transfer Instruction </B>shall</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Proof - Legal Proceedings</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">include electronic recordings of such instructions.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Against Company</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>(continued)</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Deductible Amount</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">8.</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The COMPANY shall not be liable under any INSURING CLAUSES of this Bond</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">on account of loss unless the amount of such loss, after deducting the net amount</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">of all reimbursement and/or recovery obtained or made by the ASSURED, other</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">than from any Bond or policy of insurance issued by an insurance company and</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">covering such loss, or by the COMPANY on account thereof prior to payment by</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the COMPANY of such loss, shall exceed the DEDUCTIBLE AMOUNT set forth in</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">ITEM 3. of the DECLARATIONS, and then for such excess only, but in no event</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">for more than the applicable LIMITS OF LIABILITY stated in ITEM 2. of the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">DECLARATIONS.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">There shall be no deductible applicable to any loss under INSURING CLAUSE 1.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">sustained by any <B>Investment Company</B>.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Valuation</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">9.</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>BOOKS OF ACCOUNT OR OTHER RECORDS</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The value of any loss of <B>Property </B>consisting of books of account or other records</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">used by the ASSURED in the conduct of its business shall be the amount paid by</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the ASSURED for blank books, blank pages, or other materials which replace the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">lost books of account or other records, plus the cost of labor paid by the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">ASSURED for the actual transcription or copying of data to reproduce such books</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">of account or other records.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The value of any loss of <B>Property </B>other than books of account or other records</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">used by the ASSURED in the conduct of its business, for which a claim is made</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">shall be determined by the average market value of such <B>Property </B>on the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">business day immediately preceding discovery of such loss provided, however,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">that the value of any <B>Property </B>replaced by the ASSURED with the consent of the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">COMPANY and prior to the settlement of any claim for such <B>Property </B>shall be the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">actual market value at the time of replacement.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">In the case of a loss of interim certificates, warrants, rights or other securities, the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">production of which is necessary to the exercise of subscription, conversion,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">redemption or deposit privileges, the value of them shall be the market value of</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">such privileges immediately preceding their expiration if said loss is not discovered</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">until after their expiration. If no market price is quoted for such <B>Property </B>or for</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">such privileges, the value shall be fixed by agreement between the parties.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>OTHER PROPERTY</B></FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The value of any loss of <B>Property</B>, other than as stated above, shall be the actual</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">cash value or the cost of repairing or replacing such <B>Property </B>with <B>Property </B>of</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">like quality and value, whichever is less.</FONT></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE BORDER="0" CELLSPACING="0">
<TR>
    <TD STYLE="width: 55%">&nbsp;</TD>
    <TD STYLE="width: 45%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">ICAP Bond (5-98)</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Form 17-02-1421 (Ed. 5-98)</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Page 15 of 19</FONT></TD></TR>
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<P STYLE="margin: 0"></P>




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<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%">
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 25%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>Conditions and</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 4%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 67%">&nbsp;</TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>Limitations</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>(continued)</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Securities Settlement</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">10.</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">In the event of a loss of securities covered under this Bond, the COMPANY may,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">at its sole discretion, purchase replacement securities, tender the value of the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">securities in money, or issue its indemnity to effect replacement securities.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The indemnity required from the ASSURED under the terms of this Section</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">against all loss, cost or expense arising from the replacement of securities by the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">COMPANY'S indemnity shall be:</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">for securities having a value less than or equal to the applicable</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">DEDUCTIBLE AMOUNT - one hundred (100%) percent;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">b.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">for securities having a value in excess of the DEDUCTIBLE AMOUNT but</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">within the applicable LIMIT OF LIABILITY - the percentage that the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">DEDUCTIBLE AMOUNT bears to the value of the securities;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">c.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">for securities having a value greater than the applicable LIMIT OF LIABILITY</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">- the percentage that the DEDUCTIBLE AMOUNT and portion in excess of</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the applicable LIMIT OF LIABILITY bears to the value of the securities.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt 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 STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Section 9, Valuation, regardless of the value of such securities at the time the loss</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">under the COMPANY'S indemnity is sustained.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The COMPANY is not required to issue its indemnity for any portion of a loss of</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">securities which is not covered by this Bond; however, the COMPANY may do so</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">as a courtesy to the ASSURED and at its sole discretion.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The ASSURED shall pay the proportion of the Company's premium charge for the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt 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 STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">LIMIT OF LIABILITY shall be used as payment of premium for any indemnity</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">purchased by the ASSURED to obtain replacement securities.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Subrogation - Assignment &ndash; </I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">11.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">In the event of a payment under this Bond, the COMPANY shall be subrogated to</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Recovery</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">all of the ASSURED'S rights of recovery against any person or entity to the extent</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">of such payment. On request, the ASSURED shall deliver to the COMPANY an</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">assignment of the ASSURED'S rights, title and interest and causes of action</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">against any person or entity to the extent of such payment.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Recoveries, whether effected by the COMPANY or by the ASSURED, shall be</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">applied net of the expense of such recovery in the following order:</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">first, to the satisfaction of the ASSURED'S loss which would otherwise have</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">been paid but for the fact that it is in excess of the applicable LIMIT OF</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">LIABILITY,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">b.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">second, to the COMPANY in satisfaction of amounts paid in settlement of</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the ASSURED'S claim,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">c.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">third, to the ASSURED in satisfaction of the applicable DEDUCTIBLE</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">AMOUNT, and</FONT></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE BORDER="0" CELLSPACING="0">
<TR>
    <TD STYLE="width: 55%">&nbsp;</TD>
    <TD STYLE="width: 45%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">ICAP Bond (5-98)</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Form 17-02-1421 (Ed. 5-98)</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Page 16 of 19</FONT></TD></TR>
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<P STYLE="margin: 0"></P>




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<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 25%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>Conditions and</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 3%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 4%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 66%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>Limitations</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Subrogation - Assignment &ndash;</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">d.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">fourth, to the ASSURED in satisfaction of any loss suffered by the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Recovery</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">ASSURED which was not covered under this Bond.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>(continued)</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Recovery from reinsurance or indemnity of the COMPANY shall not be deemed a</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">recovery under this section.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Cooperation Of Assured</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">12.</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">At the COMPANY'S request and at reasonable times and places designated by</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the COMPANY, the ASSURED shall:</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">submit to examination by the COMPANY and subscribe to the same under</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">oath,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">b.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">produce for the COMPANY'S examination all pertinent records, and</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">c.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">cooperate with the COMPANY in all matters pertaining to the loss.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The ASSURED shall execute all papers and render assistance to secure to the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">COMPANY the rights and causes of action provided for under this Bond. The</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt 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" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Termination</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">13.</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">If the Bond is for a sole ASSURED, it shall not be terminated unless written notice</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">shall have been given by the acting party to the affected party and to the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Securities and Exchange Commission, Washington, D.C., not less than sixty (60)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">days prior to the effective date of such termination.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">If the Bond is for a joint ASSURED, it shall not be terminated unless written notice</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">shall have been given by the acting party to the affected party, and by the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">COMPANY to all ASSURED <B>Investment Companies </B>and to the Securities and</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Exchange Commission, Washington, D.C., not less than sixty (60) days prior to</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the effective date of such termination.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">This Bond will terminate as to any one ASSURED, other than an <B>Investment</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Company</B>:</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">immediately on the taking over of such ASSURED by a receiver or other</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">liquidator or by State or Federal officials, or</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">b.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">immediately on the filing of a petition under any State or Federal statute</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">relative to bankruptcy or reorganization of the ASSURED, or assignment for</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the benefit of creditors of the ASSURED, or</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">c.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">immediately upon such ASSURED ceasing to exist, whether through merger</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">into another entity, disposition of all of its assets or otherwise.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The COMPANY shall refund the unearned premium computed at short rates in</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">accordance with the standard short rate cancellation tables if terminated by the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">ASSURED or pro rata if terminated for any other reason.</FONT></TD></TR>
</TABLE>
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<TR>
    <TD STYLE="width: 55%">&nbsp;</TD>
    <TD STYLE="width: 45%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">ICAP Bond (5-98)</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Form 17-02-1421 (Ed. 5-98)</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Page 17 of 19</FONT></TD></TR>
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<P STYLE="margin: 0"></P>




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<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 25%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>Conditions and</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 4%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%; width: 67%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>Limitations</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Termination</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">If any partner, director, trustee, or officer or supervisory employee of an</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>(continued)</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">ASSURED not acting in collusion with an <B>Employee </B>learns of any dishonest act</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">committed by such <B>Employee </B>at any time, whether in the employment of the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">ASSURED or otherwise, whether or not such act is of the type covered under this</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Bond, and whether against the ASSURED or any other person or entity, the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">ASSURED:</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">shall immediately remove such <B>Employee </B>from a position that would enable</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">such <B>Employee </B>to cause the ASSURED to suffer a loss covered by this</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Bond; and</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">b.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">within forty-eight (48) hours of learning that an <B>Employee </B>has committed</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">any dishonest act, shall notify the COMPANY, of such action and provide full</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">particulars of such dishonest act.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The COMPANY may terminate coverage as respects any <B>Employee </B>sixty (60)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">days after written notice is received by each ASSURED <B>Investment Company</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">and the Securities and Exchange Commission, Washington, D.C. of its desire to</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">terminate this Bond as to such <B>Employee</B>.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Other Insurance</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">14.</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Coverage under this Bond shall apply only as excess over any valid and collectible</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">insurance, indemnity or suretyship obtained by or on behalf of:</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the ASSURED,</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">b.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">a <B>Transportation Company</B>, or</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">c.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">another entity on whose premises the loss occurred or which employed the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">person causing the loss or engaged the messenger conveying the <B>Property</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">involved.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Conformity</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">15.</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">If any limitation within this Bond is prohibited by any law controlling this Bond's</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">construction, such limitation shall be deemed to be amended so as to equal the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">minimum period of limitation provided by such law.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Change or Modification</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">16.</FONT></TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">This Bond or any instrument amending or affecting this Bond may not be changed</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">or modified orally. No change in or modification of this Bond shall be effective</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">except when made by written endorsement to this Bond signed by an authorized</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">representative of the COMPANY.</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">If this Bond is for a sole ASSURED, no change or modification which would</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">adversely affect the rights of the ASSURED shall be effective prior to sixty (60)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">days after written notice has been furnished to the Securities and Exchange</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Commission, Washington, D.C., by the acting party.</FONT></TD></TR>
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    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">ICAP Bond (5-98)</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Form 17-02-1421 (Ed. 5-98)</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Page 18 of 19</FONT></TD></TR>
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    <TD STYLE="padding: 0.75pt; width: 72%">&nbsp;</TD></TR>
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    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>Conditions And</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B><I>Limitations</I></B></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>Change or Modification</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">If this Bond is for a joint ASSURED, no charge or modification which would</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><I>(continued)</I></FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">adversely affect the rights of the ASSURED shall be effective prior to sixty (60)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">days after written notice has been furnished to all insured <B>Investment Companies</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">and to the Securities and Exchange Commission, Washington, D.C., by the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">COMPANY.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 400 14pt Times New Roman, Times, Serif; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0px"></P>

<P></P>

<TABLE BORDER="0" CELLSPACING="0">
<TR>
    <TD STYLE="width: 55%">&nbsp;</TD>
    <TD STYLE="width: 45%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">ICAP Bond (5-98)</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Form 17-02-1421 (Ed. 5-98)</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif">Page 19 of 19</FONT></TD></TR>
</TABLE>
<P STYLE="margin: 0">&nbsp;</P>




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<P STYLE="margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%">
<TR>
    <TD STYLE="padding: 0.75pt; width: 3%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 3%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 38%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 32%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 24%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>ENDORSEMENT/RIDER</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Effective date of</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">this endorsement/rider: March 28, 2024</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 38.2pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>FEDERAL INSURANCE COMPANY</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 38.2pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Endorsement/Rider No.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: left; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">1</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 38.2pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">To be attached to and</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 38.2pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">form a part of Bond No.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">82050480</FONT></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Issued to: EQUUS TOTAL RETURN, INC.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.95pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">DELETING VALUATION-OTHER PROPERTY AND AMENDING CHANGE OR MODIFICATION </FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">ENDORSEMENT</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">In consideration of the premium charged, it is agreed that this Bond is amended as follows:</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">1</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">.</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The paragraph titled Other Property in Section 9, Valuation, is deleted in its entirety.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">2</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">.</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The third paragraph in Section 16, Change or Modification, is deleted in its entirety and replaced with</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the following:</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">If this Bond is for a joint ASSURED, no change or modification which would adversely affect the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">rights of the ASSURED shall be effective prior to sixty (60) days after written notice has been</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">furnished to all insured <B>Investment Companies </B>and the Securities and Exchange Commission,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Washington, D.C., by the COMPANY.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="5" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The title and any headings in this endorsement/rider are solely for convenience and form no part of the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">terms and conditions of coverage.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">All other terms, conditions and limitations of this Bond shall remain unchanged.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P STYLE="text-align: center"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center"><IMG SRC="image_002.jpg" ALT="" STYLE="width: 430px; height: 120px"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">17-02-2437 (12/2006) rev.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">Page 1</P>




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<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%">
<TR>
    <TD STYLE="padding: 0.75pt; width: 3%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 40%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 27%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 30%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>ENDORSEMENT/RIDER</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Effective date of</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">this endorsement/rider: March 28, 2024</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>FEDERAL INSURANCE COMPANY</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Endorsement/Rider No.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: left; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">2</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">To be attached to and</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">form a part of Bond No.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">82050480</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Issued to: EQUUS TOTAL RETURN, INC.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">AUTOMATIC INCREASE IN LIMITS ENDORSEMENT</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">In consideration of the premium charged, it is agreed that GENERAL AGREEMENTS, Section C. Additional</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Offices Or Employees-Consolidation, Merger Or Purchase Or Acquisition Of Assets Or Liabilities-Notice To</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Company, is amended by adding the following subsection:</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Automatic Increase in Limits for Investment Companies</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">If an increase in bonding limits is required pursuant to rule 17g-1 of the Investment Company Act of 1940 (&ldquo;the</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Act&rdquo;), due to:</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(i)</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">the creation of a new <B>Investment Company</B>, other than by consolidation or merger with, or purchase or</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">acquisition of assets or liabilities of, another institution; or</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(ii)</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">an increase in asset size of current <B>Investment Companies </B>covered under this Bond,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">then the minimum required increase in limits shall take place automatically without payment of additional</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">premium for the remainder of the BOND PERIOD.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The title and any headings in this endorsement/rider are solely for convenience and form no part of the terms</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">and conditions of coverage.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="4" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">All other terms, conditions and limitations of this Bond shall remain unchanged.</FONT></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0"><IMG SRC="image_003.jpg" ALT="" STYLE="width: 430px; height: 120px"></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<P STYLE="text-align: center"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">14-02-14098 (04/2008)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">Page 1</P>




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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 400 14pt Times New Roman, Times, Serif; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0px">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%">
<TR>
    <TD STYLE="padding: 0.75pt; width: 42%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 58%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 147.15pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>ENDORSEMENT/RIDER</B></FONT></TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Effective date of</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">this endorsement/rider: March 28, 2024</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">FEDERAL INSURANCE COMPANY</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Endorsement/Rider No. 3</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">To be attached to and</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">form a part of Policy No. 82050480</FONT></TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Issued to: EQUUS TOTAL RETURN, INC.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>COMPLIANCE WITH APPLICABLE TRADE SANCTION LAWS</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">It is agreed that this insurance does not apply to the extent that trade or economic sanctions or other similar laws or</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">regulations prohibit the coverage provided by this insurance.</FONT></TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The title and any headings in this endorsement/rider are solely for convenience and form no part of the terms and</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">conditions of coverage.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">All other terms, conditions and limitations of this Policy shall remain unchanged.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 400 14pt Times New Roman, Times, Serif; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px; text-indent: 0px"></P>

<P STYLE="font: 400 14pt Times New Roman, Times, Serif; text-align: center; color: rgb(0, 0, 0); letter-spacing: normal; word-spacing: 0px"><IMG SRC="image_004.jpg" ALT="" STYLE="width: 420px; height: 119px"></P>

<P>&nbsp;</P>

<P STYLE="text-align: center"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">14-02-9228 (2/2010)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">Page 1</P>




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<P STYLE="margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%">
<TR>
    <TD STYLE="padding: 0.75pt; width: 75%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 25%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 252.05pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>FEDERAL INSURANCE COMPANY</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 252.05pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Endorsement No:</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: left; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">4</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 252.05pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Bond Number:</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">82050480</FONT></TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">NAME OF ASSURED: EQUUS TOTAL RETURN, INC.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>TEXAS AMENDATORY ENDORSEMENT</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">It is agreed that this Bond is amended by adding an additional paragraph to Section 13.,Termination, as</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">follows:</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding-right: -107.85pt; text-align: center; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&quot;The COMPANY may not terminate or refuse to renew this Bond solely because the ASSURED is an </FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: -107.85pt; text-indent: 0.35in; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">elected official.&quot;</FONT></TD>
    <TD STYLE="padding-right: -107.85pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">This Endorsement applies to loss discovered after 12:01 a.m. on March 28, 2024.</FONT></TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">ALL OTHER TERMS AND CONDITIONS OF THIS BOND REMAIN UNCHANGED.</FONT></TD></TR>
</TABLE>
<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0"><IMG SRC="image_005.jpg" ALT="" STYLE="width: 420px; height: 119px"></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">Date:June  21, 2024</P>

<P STYLE="text-align: center"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">State Amendatory-General Use Form 17-02-1429 (Ed. 1-97)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left"></P>

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<DOCUMENT>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
