The URL can be used to link to this page

CC - Item 4D - Property InsuranceS E M E Qo~ S ~ a NCparoaareo +e'+° • ROSEMEAD CITY COUNCIL STAFF REPORT TO: THE HONORABLE MAYOR AND CITY COUNCIL FROM: OLIVER C. CHI, CITY MANAGER DATE: JUNE 10, 2008 SUBJECT: PROPERTY INSURANCE SUMMARY The City has been using Kelley, Jiggins & Associates Insurance Brokers to obtain property and employee dishonesty insurance for a number of years. In May, staff requested a proposal from Kelley, Jiggins & Associates for the fiscal year 2008-09. Their proposal was received on June 4, 2008 for the amount of $76,872 with Safeco Insurance Company. Unfortunately, they were only able to provide us with the premium amounts as Safeco has not supplied the detailed quote as of the printing of this agenda item. In order to ensure that the City is receiving the best rates from quality providers, staff also requested a quote from the California Joint Powers Insurance Authority (CJPIA). The CJPIA currently provides the City with General Liability and Workers Compensation insurance, and offers property and employee dishonesty insurance through Alliant Insurance. Their proposal (Attached) was received on May 12, 2008 for the amount of $26,320. Staff Recommendation Staff recommends that the City Council approve the proposal from the CJPIA in the amount of $26,320 for the 2008-09 Fiscal Year. ANALYSIS The CJPIA has been providing the City with General Liability and Workers Compensation Insurance for a number of years. The CJPIA's property and employee dishonesty insurance programs have an excellent history, extremely competitive rates, and outstanding ratings. An added advantage with the CJPIA's proposal is that their Property Insurance program also covers all City vehicles. The City is currently self-insured for vehicles as they are not covered under the existing policy. The CJPIA's proposal has a slightly higher deductible, $5,000, than the deductible offered through the Kelley, Jiggins & Associates proposal, $1,000; however staff believes that the reduction in the annual premium and the increase in coverage to cover all City vehicles more than compensates for the difference. PUBLIC NOTICE PROCESS This item has been noticed through the regular agenda notification process. Submitted by: Matthew E. H wkesworth Assistant City Manager - Internal Business Units Attachment: CJPIA Proposal APPROVED FOR CITY COUNCIL AGENDA: U PROPERTY INSURANCE PROGRAM RENEWAL July 1, 2008 to January 1, 2009 CITY OF ROSEMEAD CALIFORNIA j P I A Presented by: ALLIANT INSURANCE SEMICES. INC. ~ 11/~a/ I~t DRIVER SPECIALTY' CROUP P2 • 0 4411ant California JPIA Property Insurance Program January 1, 2008 to January 1, 2009 Proposal for Member: City of Rosemead Term of Coverage: July 01, 2008 January 1, 2009 TOTAL ANNUAL ANNUAL, PRO-RATA PRO-RATA COVERAGE INSURED RATE PREMIUM FACTOR PREMIUM VALUES All Risks incl. Real & Personal Property (equipment included in personal property) $43,742,557 0.0203% $8,879 0504 54,475 Earthquake I Flood 0.4335° o $0 $0 Vehicles Comp / Collision $1,868,494 05910% $11.042 0.504 55,365 Vehicles - Emergency 0.26300/. $0 $0 Boiler and Machinery (Based on Real Property Values) $40,777,557 0.0070°' $2,854 0.504 $1,438 Subtotals: $22,775 0.504 $11478 C7PIA Administrative Fez (Based on Real, Personal, Earthquake and Vehicle Values (divided by 100) $45,611,051 0.005% $2,180 0.504 51,149 Subject to policy terms, conditions and exclusions. TOTAL $25,055 512,627 dlliant embraces a police of transparency with respecl to its compensation from insurance transactions. Detaifs on our compensation policv. including the types of income drat Alliaat new earn on a placement, are available on our websire at wuwalliantinsurance.com. For a copy of our policy or for arty inquiries` regarding compensation u's'ues pertaining to Your account you may also ranawt us at: dlliant Laurance Services, Luc. Attention. Chief Prmmcw! Officer. 1301 Dort Street. Suite 200. Newport Beach, CA 92660. Prepared by: Alliant Insurance Services, Inc. 1301 Dove Street, Ste. 200 Newport Beach, CA 92660 (949) 660-8127 Fax (949) 251-1663 P3 • 0 CALIFORNIA MA 8081 Moody Street, La Palma, California 90623 January 1, 2008 P 08 (Supersedes P 07) PROGRAM: All Risk Property Insurance ' Scheduled buildings, contents, garaged vehicles, contractors equipment, fine arts, rental income and other miscellaneous extensions of coverage (excluding earthquake & flood). PROTECTION S PERIOD: January I, 2008 to July 1, 2009 at 12:01 a.m. Pacific Time LIMITS: $500 Million per occurrence DEDUCTIBLE: $5,000 PER OCCURRENCE PREMIUM: $0.021 / per $100 of Insured Values COVERAGE IS WRITTEN AT REPLACEMENT COST U " PROGRAM: Earthquake And Flood Insurance (optional) LIMITS: $200 Million per occurrence DEDUCTIBLES: EARTHQUAKE (per unit of value) 5%($100,000 min.) FLOOD (per unit of value) $100,000 M PREMIUM: $0.434 / per $100 of Insured Values COVERAGE IS WRITTEN AT REPLACEMENT COST PROGRAM: Boiler And Machinery Insurance (optional) Objects and equipment as defined by the policy. LIMITS: $100 ?vlillion per occurrence M DEDUCTIBLE: PREMIUM: $5,000 PER OCCURRENCE $0.007 / per $100 of Insured Values COVERAGE IS WRITTEN AT REPLACEMENT COST PROGRAM: Emergency Vehicles Physical Damage (optional) (comprehensive and collision) Fire trucks, paramedic vans and ambulances. DEDUCTIBLE: $5,000 PER OCCURRENCE A PREMIUM: 50.263 / per 5100 of Insured Values COVERAGE IS WRJTTEN AT STATED VALUE PROGRAM: All Other Vehicles Physical Damage (optional) (comprehensive and collision) DEDUCTIBLE: $1,000 PER OCCURRENCE R PREMIUM: $0.591/ per $100 of Insured Values COVERAGE IS WRITTEN AT STATED VALUE COVERAGE: The above rates will be subject to a brokerage and NOTE administrative fee of 0.005% of insured values Y REMEMBER TO R EPORT ACQUISITIONS OF NEW REAL AND PERSONAL PROPERTY. THE ABOVE IS A SUMMARY ONLY! IT DOES NOT MODIFY THE INSURANCE POLICY. FOR FULL COVERAGE DETAILS SEE COPY OF POLICY ON FILE AT THE CALIFORNIA JPIA OFFICE. EFFECTIVE JANUARY 1, 2008 Rev: 12/20/07 P4 0 p A a W J M C W U y t}- Q' W CL O Q' a a O 6 O O C o 0 m O LL A C LL p C ~ m = r o a a o ~ e m p ~ K a a 00 aM ma uL a 0 U_ LL. F- OV W IL 00 CL tl O H tl = C m~ L. ow do as A d d p °C a `m p p g w N 8 N p o _ M e w n y 0 N 'n ° _ 0 0 Nw ' _ - N ^ s ~ Oi ~ N ~ ~ 8 _ M a N S M V 8 s N a 0 O o x ° $ ° I O O 0 Y O Z Z O Z O Z Z O Z Z O Z Z Z Z Z w C ° 0 a a` z' z° z° z z z z z z° z° z° z° A e ` 0 0 0 0 0 0 0 0 0 i 0 0 ¢ a z z z z z z z z z z z N m z m Z m 2 m z m Z m 33~~ ~ y J O ~ O y S o w y E w S W S K ~ W W a I 4 ~ I l Ym 6 C p O O C 0 U 2 0 3 3 3 3 2 C N Z q x m vii Y o Y C N O V U Z < U z < U m z < U Z G U Z @ U U W 6 F C 0 O O O O O ° 6 W C N W z 2 Z lj O Z K y < O Y ¢ W > O ti Z W Wy < O n j f O < c. a o m Vr Y c W p m W v " Q v o U O Q u m z ` 0 G i o Y w m J J U D t~j~ (c O 2 U 4 11 Q C 0 0 0 0 y > w uq. C z S j W r O N W m z f + u~ m m i w 0 9 S 2 W U U _ 0 U U W f1 tY Q > W W r W J W W U U m 0 O W O O f w g 0 O ¢ O z z o 0 W w U U w G' S U U G K t0 O.' c CL d N K ✓J V: n C R' G' cfl! M-; ¢ m J~ r O N 0 a Q U C H N V 4 h m e O U C ~ } ~ Q 0.1 p o C] O y m u u: ` y o ~ m m d : O " Lu ct 4Q ~ ~n2 2 6 W y O 6 o j V Y 4 W n m P5 e o c o a' `o u m N c m C ~ m T H O T Q L eA a ~ 0 m L' m m z n w J M W U y F R' W CL 0 d I 0 O Q ~ c a G Q LL! N 0 U_ LL 0 V W CL _ co w n. V G ~I N t6 d e • 9 r _ C m ~ T C L ~ p m~ a s W d m m ~a a`mi } $ p Iw ~ a w I o N e e o o w N w QQ S v w c ~ Q S o h ~ S 0 N . 0 y w p R S g p M $ m w o O o S o o o N ~ o H Q S ° m $ g ~ g . o N b m 2 2 Z Z Z Z Z Z z z Z 2 n ° ° ° ° ° ° i z z z z z z z z I R' 6 Z Z Z Z Z Z Z Z Z Z Z Z I 2 2 N m Z 6f m m z m Z N m o ~ $ v O w w O ~ - O LL~ O S~ a °I a m ° m > 0 ' w ° ° z z° z z° a z z D 2 0 o o o 0 o - C YIi Y E Y Y = Y y Y L2 Y y U C~ 7 Z 6 f> O Z Q U O z < U 7 Z G U O Z 6 U D T U m d LL LL d V LL O O N Q O N N 0 0 N a s a c M w m ~ w c~ c U o S 5 v o v o 3 ' L` ° ~ g o o 0 3 ~ a a o o g g ~ o j O V m a m P `w n c`, m N w 6 Y Z 6 Y z 2 6 z W W Z 6 Z 6 N O U O U K N N O U U U O U O U W w d T 2 C a O K 0 Q ? N~ Q Z p j o z W a a O ~ t 'L v w Y ~ O w w u P O O L w ~ W ~ r w w 6 z 6 W _ Q m w o o; ¢ ¢ ~ U ~ Q K K ~ C a C y K d~ i n ( J N U 6 o U O W ~ v N YI J I O N 0 CL Q d C rn co z U Q ~ Q U) b C W C: Vl ~ 0 C: O g m LLJ aQ 6~nz ~ p 3 L n U Y O L y L 'FW' _ N O n ~ a P6 0 • N O m O O q O O a 3 v m O LL U C LL a t.. F- m _T p n a` m w m m m ~ a I LLI a Lu wMa U W if r N 0U w0U W O H G a U 0 Q. t1 C y o U h d m © O U N C m ~ R U m ~ N m LLJ a o,Q~hz M F N b _ C fL ~ O d ~ Q m as a Y A c ~i ~ n p O p w ~ w V ^ o ° 4 c C w O w R 3 ~ » » H $ ~ g R w Ow o ~ °9 s O o o S ~ h p ~ o 0 S c w _ N o o ~ s C $ Q ° w o N O o o _n I o 0 0 m z - z z° z° z° z z z z z r o 0 . m- a z z° z° z° z0 z0 z° 0 z 0 z z qn z° a z z z° z z° z ° z° z z NO Im z m z m z m z m z w - K w - - - °iI r T rm Sp N o Z 0 Z ~ Q Z Z 0 2 z 3 z3 3 3 o Y o Y ZoZ H o Y o Y O v M 3 z m z a Y > z a i > z° a" z z a > u m a m r LL 4 LL ~ LL O ~ o O ° ~ N K w N O w V v N u m U w U 0 V o z o o o Z q O U V O Ti a ¢ n ¢ n m n m ¢ w U N Z q Y w 2 6 z q .1 Z 4 6 c > N Y w O U O U ¢ N N O U 5 O U n z Z q C E N C 4 W N C g w N 0 C n ~ Q 0 0 O 0 0 9 n Y w O ^S O W' S n Y N 2 N w ~ ~ LL Y O¢ O w ~ < Y O ~ B 0 0 V ~V Q ' O ~ W W U W ~ ~ ~ U w W 7 ~ w u W n' N R N a d' d (J O 6 V3 m v W Z " N C' y li N 2' O N N U w :J w K C 2 W p. O < S V O 4 ' W ti p~ O ¢ p~ O O G w ¢ C W n rL d O N N K a' O N n ~ K V ¢ C K U CC r c 1 ~ a o _ q J w Z N Z U z P7 0 • ~e O O O O 0 0 m a E u O LL g LL m C ~ m T T ~ C ~ a o m a` 0 m o m s a w J D a w x U U F}- LU w M ON CL a Q~ m a a wa N _ W06 LL 00 H N U w a. d G q ° r m m ~ N T o°i2 `m Q as N a 1Q Y w w O M 4 y $ r $ s w Ow - p ° h N g 8 O w w ~ w 8 w ° N w o µ W o w p O M 0 0 ° ° 0 m Z- zo z° 0 Z z z° 2 z z z C n z g 4 ; ` ° ° ° ° ° ° ° ° z ° z a z z z z z z z z z ~ c N I m Z m Z m 2 m 2 m z LL >m l 0 ¢ 41 1 Z 2 Z Z 2 ) e ? ~ o 0 0 0 I b y " Y Y H V N O 0 uS p q q Y U U O z b 5 7 Z ¢ U O z G U I 6 U O 2 O d U LL ~ tz LL LL O a a o 0 N w Y Y O N 5 W d N I z z z O N O p F.+ p p a z O z o O S o n N 0 W V Y m Y 1 m Y z > Y 5 2 7 a Y C b 5 G ¢ O 6 S l+~ b C ~ 6 b 6 U 4 6 6 G U G 6 j r U 1 W r U '2 W S f. m i a ' ~ ~ 5 z o ~ 5 z o o z o z o Q Q ~ . tGL U toll Q W m U C 11 Q W U W U i J O U y W O V 9 Y ¢ W `C _ W W _ ~ a W U W ~ ( W W W O y W ' W m 'y ' m O, O 5¢ ° :/J UJ 5 6 M fn N O m N N U O ^ t ° to (n 2 z! ¢ Z O O ¢ S 1 O O S l- A O O O o c O O o C m cn c C 5 m N P 5 5 m m c - 5 S 2 5 C d' hal o U D w o~ m u J 0 0 N C CL a d o V h Ql O V ~ C rn ? ~ U H O 2 C $ N 0 aa~~z W ~ O J n ¢ a Q U z S J ~ W N c ¢ a" P8 • N O O O O N v~ a o r 0 u m o w w° U a LL ` ~ a F C K r m ~ h m 6 d a o o w N O. N C m m N O R w C we ` a dIrv x N w w N 0 N 0 M r 0 N M 0 N a4i g N r S I~ i$ N N m Cl C z Z ^ C u a a ° ° z z W O I I W a FF l W` a z° z° c w a c c W L Q O~ gj N m Z U ° z cn ~ N W T, O C V > Ix LL V a LLI O a Ym~ M w M H- CO l A z o. U z c a ° U C y O U U m z 2 U G N n. u O o C1 C d n N w U w n Z d v U < W o a Q m d p w Q ¢ p w v Z Z y ~ ~ ~ Q y 2 2 N QI 3 d O y r , 9 0 p~ N 6 Q ~ O N t S ' 3 J aQ~ tii z z z° z° 0 z z m z z z o A " € ~ a U ~ 2 6 0 o Y C LL ~ L7 4 U W~ p V z O r w w ~ LL l W rn z ~ 3 w m z z z z° O z O 6 ~ z 0 v ~ z LL Z w C~ ~ a J U LL O iN w Z O O ~ a+ U V UZ Z z w N Z~ ¢Z O Q Q 2 Z¢Q y G W N 5 2 2 4t F m n Z z 0 0 z z z z° m O $ C Z 3 e°I U O x J ~ z y E < LL 0 U U O j o ~ LL 47 Q N d J U U Z p Z 2 0 p < z W z z z N 6 w w w LLI W N ~ ~ ? O ~ Z_ ~ ~ W to O ~ o 0 0 N S o N N 0 R z Z z z° 0 D7 gy 2 O C w - z 3 O Y N U 7 z to z o W n C ¢ w ~ w w ~ w r w ti Z ~ m p O ~ C P9 oo a oo LL 0 o r 0 V N O LL ' p O N v a t0 u . m a » c H m m m C o T n L O Y o a Q C ~ a o N o 0 m d 2 ¢ a as QQ b a s 25 0 ~ v`3 'v~{ ~ fi m I o ` a `gyp d o N 0 N o O m m u ~ Iz z° o z 0 z ^ n a a z z J O D ° 0 0 z z o w a a c W G Q w N I m z 6] z L) (n CL ~O . o C r H w LL wo w Q > I m O>- IL x) w t= CL 0 < m° z w c C. s o e M x ~ ~ U ~ ~ z a T u c F 6 LL V N C1 ~ W v V N d o N 4 < o ^ ~ W W W ti y ° w v O ~ `o m ~ a w ~ w ~ W F o Q LLl G ( OI a Q g O y ~ y ay w ~ ? L M :3 U O CJ rn y 'li; y ~ C~I R C O _ S 0 m ~ ~ Q J nQ tiz s 0 N Y ~ q 2 U ~ z < u O y W W H O O y ~ 6 y ~ 2 w w ~ G ~ U N ~ C W W ~ ¢ ¢ O ( J U Y W w W U in O m T O p r w 0 0 w Li 0 rv r z zo o z z m 2 w I~ z° u°I x # € U ~ z < Ie C E w y O c ^ Z 2 ~ m fn y ~a U z 2 O W ¢ ¢ Uo K Q G C W > Z w O w ° m G o z s Y. z° z° z° 8 ~ z 3 O U 7 Z G 0 W > p K G ti Z Z U cs $ a n y ti U L C " C w O W 5 v z w N Z w O > O L 9 Q K °s M n °o V z z a LL G y W C U ° o W Y U ~ o m < k P10 • • ~ e e m O O O O O m 6 c 0 'u LL n LL m C ~ m T r c Y Q g d Q C a c m v rt a IL O a LU W ~Na } V H WQC) W w ~ N a.L)0 a U C N N O r _ C m ~ N d m o ai T 'C W N K O d mI } V ~ Q a w h o o N N Qf 8 c p g 4 25 0 N o o O M 0 N p S 41 N p W g ~ H p O 0 h g Q s VnJ ~ N q a g N o ~ N m T o_ $ Q E_ 0 _ a• 0 o_ m 01 m Z O Z Z O Z O Z O Z ~ Z 2 2 2 C d z z 6 d Z Z Z Z 2 2 Z Z e d I R 2 Z 2 C Z Z Z Z Z Z Z y g I N m Z m Z m Z W Z 0 Z _ R m ~ c O 25 m O C 2S w C LL w - C O W o C W LL C W LL C m 'I >m s Q N Z Z Z Z Z ` 1 0 U Z Z Z 2 3~ o o o o O !p gfff M O rv Z v ~ y y 2 .3 2 O 2 2 D L) ~ ~ z a U ~ z a U ~ z a ~ ~ z a u ~ U W d U LL y y 0 0 O O O O 0 0 0 N y p z o © 0O z ° O z z ° w ~ m z m z Q o w U Z w < z < N i < z H Vf < N N Vl V N O ~ N N ~ U q Vt U - :J W Y O U p x O O A w ❑ O O W Q O O> ❑ O S U ;7 G w S U U U W S C: 6 U' W N Q W Y C j Z 2 W > Q O O N W O O w 6 W O C J a w O U r Z p f W d U N Z = ^ N Z z S N C 2 w n O ` 0 O ^ O w - O ' w O G w 0 4'1 # m 2 r 2' lA S N C UJ m~ rv R N N P C CS U U C ~ N - a m O~ J 0 N 0 a Q V R ti d a y m V ~G L N rn T ~ V Lp n m m ~9Q ~ C C S W o It Q v z w o O ~ z _ Q > ❑ 5 L" o w m ¢ a P11 O O O ~ O O m o o a - o N O 11 LL ~ H m T 1- m T d L2 u a o m m m ~ a ~ • h o r ~I m~ v a P n o_ ~ a a n ~ O a ~ O ~ H w O N es h N O gi O S S N m V ~ O N O ~ O N O o m Y O O O C ° ai l ° o i z z z 0 A o l p ~ ~ o. z° z° 0 z 0 z o w a m LU t co G ~l H l m Z GI 2 O V LLJ V o y ~ 6 w q TQ I a O a w ~m l 0 (L 0 I= z CL i3 ~ c ) LL o 2 i C ) ~ y E Y u o U U j Z A a U ~ Z a u c m n V LL O N ul O V C V ~ N oa o u > o rn U ¢ 4$ E5 xo a ' ~ M m z a ~ ~ !i ~ U ~ Y o: w Z o U o N v v y ? ¢ i y N w C N ° c~ N _ Y ~ H ~ ~ Ip U z o~ < $ m m w U Y H a d m W~ N c Y > O ~ a N 4 C N O -0 e = m W J I ^ ° CL Q 'z 8 y O 0 S 8W Y N N 0 0 0 z z 0 0 z a 8 a° z O U J 2 a 7 N O e S O 0 R 0 A Y a z z . m Z o LL ~ d E z 0 = go _ 8 m x Y ~ z ~ ; 3 a a LL LL N O Z E a ~ O O U C V U U w w n- w 0 0 0 0 0 0 x x C U U ¢ P12 m oo A oo a ~ .X N p V ° N O N O !L I O ' O N ' a` ~ m d N M c r d C y T m an ~ r T C O N N w d d 9 S O O O a y o c o - a a s ~ c 0 Of L ~ M N h h ~ d ~ i] N Ifs Q' `d m a ti a C ° ° ~ M a A d Y m w m m I d ° p O O O $ N N N N N c I Y m H W W Y O O ° O a m i~ IL a d H y y W o Q J 0 0 'm E( o i a a _ ~ Q ~ ¢ a ' rn 2 0 (L U U U a I No Q W o c to N - z 0 c7 C a of . w a rml P e a p ~ d .2 N gy / L a t~ 0 I N 0 CL _ Ti es ci o 2 ~ c e ° n m ~ N N c 0 U w § °w w m c T b 4 N C d dr w NN c a a U O u~-. w ^ w w T h ' L fp Q d N v N ~ a W C a N V1 N 4' U N r a l 0 0 0 o 8 o o Y N N N N N y ~ N J W W O ~ Y O C N O W Y W Y O ~ T L 6 r U ` O b 3 m p H@ R v h ~ w Q C o'OOt W p a cu a ~ p' 3 J Q Q H Z P13 • • W 'V^ W U_ `W °o N 0 e m3 m a°w O > 9 eL ❑ W 1 6 6 F C N f Y) f i~ a) m Y i FI 5 mmmamm 0.o Nmm 0 m 0 wmm a 0 mmmm o m 0 0 0 0 0 0 0 0 0 0 0 o o 0 $ $ ~ ° °o O O O O O O O N N O N N N O O N N N N N N N "a o~ o~ o~~ a a o a a a a o a a a a a a g~~ g a a Q P O P P Q Y P P P P Y P P Q Z~ Q P Q P Y Q P V P Y Y P 8 O m 8 O pO O O ~ Q O O m O N tOl pO N n O N 0 N N N N Yf N N O 00 O ~ ~ r O O 01 O t0'1 t0 al 1~ ' N ^ P „ . N w W w ^ M N N P ~ h H w ~ M N ~ ^ w Nw y w w w N w w w ~w w w w a o m o m a m mrn m a o m a X n m °m m 'S' 'yf v m Y m 2 2 'S' m m m m m m a d d d c t 2 d a 2 2 d 2 2 2 a d d ~ a d m m m m F. r g r m m r g r r m m o r m m m q ~ q j 1i d m ,-m j L L m L j m L ^ m m ` m W d pt 6 'C O .S •Z p J O ~ O C V- 1- F 6 d d r F 6 J J F d d J 6. J d h d J d d d Im Y ~ N m Ow N tq~ ~ N m ~ N O O N OOi ' INO r A VI ry W N Y O O 0 O O ~ RQN N tW0 at 10 1.. O ~Op ~ N h M ~ (amy O ~j ~ P O O N N d LL J d' m U U Q 0 W Q a S S A N N N (0_ P 0 QN Z ~Sn P N N T 1 N Yn P O m Q P Y N O N 6 m W d m S m S Z LL U $ J N )K 2¢ N w = )p Y } N P ^ U a ~ m N 6 0 ❑ Q 1- 1- 1- m Dl ! F F m 8 Q n r P r N r N ¢ - - - - ^ - r - r - - - ^ O O O O O O O O O O O O . O O ^ O O O O O O O O O O O O d W J Q ww ¢ w QJ ~ S O R ¢ J F r U, ¢ ~ W ¢ 3 O c J C Kp J W F a O z d ~ r O ~ U U ¢ K r d a Z 2 D Z W w J J ¢ d' K C c C o wU' 0 Z 2 U' O U' Z ¢ oNi ¢ .N- QZQ <Z< O O X Q Q <Z< O f N u r w K K W w w K K K w Y O ~ K O K O 5 O w U N Z K O r U K O Q O K O C O K O 0 6 K O K O K O 0 O 0 O R O m 9 m 9 c O m W o O N 0 ~ o O N mm e' 'm P m Gi ~ W o' O N m ^ ~ $ ^ o o a $ ~ N $ °a N o o N a N F .N- ^ n N n t7 M t01 a Y Y a e v V V P14 ~ m m m m m m j O O g D O O S O O _ a m a~ a a a a a~ a < W v < ? a a a 'v v a a 3 ~ 9 m O W ~ 0 0 0 0 o D o g o a a m °o °o °o N o o, °o n g ( N) U N rm'1 P N N Cf N H~ O N M N H N M N N N W m C O F S G ~ yt Q 2 ° O. ~ ~ 2 W W d W F F O r 1- F O $ O G m ~ O ~ P ~ W O O ~ 'C O CD m o o a m m e c m ~ W . S ^ W m f° 0 m W u •'W- m > U m W m > ' m m W m_ N 0 m m N 0 Uj = D ~ yN O m O n pn pO g w` q O O ° O O O D O O O N N V I I I L a r o m C N ' - e ° N ° N g g n ~ a O O U J O O O U ~ O °m a 2 W UJ a p ¢ O E N n m n D Q o a g w w 3 z z O 0 S ¢ O 2 U U U U U U °o Y I °D N °o N °o N c°o 0 o N m~ °o m ~ o N 7 .N o v = t j o E f ~ ° a O Y m N N N m 1 2 ~ o ~ U ~ 3 o ~ n n m ~ Y d O v m rc m ~ A ~ .p 1 P15 • California JPIA January 1, 2008 to January 1, 2009 ALL RISK PROPERTY INSURANCE SUMMARY &ffiat DRIVER SPECIALTY GROUP NAMED INSURED: California JPIA and its Member Agencies PRIMARY COMPANY: Lexington Insurance Company (See Schedule of Insurers) POLICY TERM: January 1, 2008 to January 1, 2009 LIMITS AND COVERAGES $500,000,000 Per Occurrence - All Risk Limit Total Insured Values: Refer to Property Schedule L PROPERTY AMOUNT OF INSURANCE A. Real Property Per reported values 1. All Risk (excluding Earthquake and Flood) 2. Replacement Cost 3. Agreed.Stnount B. Personal Property Per reported values 1. All Risk (excluding Earthquake and Flood) 2. Replacement Cost 3. Agreed Amount C. Business Interruption Per reported values L All Risk (excluding Earthquake and Flood) 2. Actual Loss Sustained 3. Extra Expense to Reduce Loss D. Rental Interruption Per reported values. 1. All Risk (excluding Earthquake and Flood) 2. Actual Loss Sustained E. Extra Expense Per reported values 1. All Risk (excluding Earthquake and Flood) 2. Actual Loss Sustained F. Bond Revenue Payments Per reported values 1. All Risk (excluding Earthquake and Flood) 2. Actual Loss Sustained G. Business Continuation Expense Per reported values I :\Iii:u!; ,.~surLnCC r: .:,.es, bx. 1 ipl fhruc .;trey:. yiul:_ '_110...\~e, ,,or[ Berc'L•. C:5 4'_i~+il: hone .-"•O a,:, . 'ss 7! 13 Ee .al;i,.,vl. rr.~ ar-, • I !u'n;~ :C 16";n, LrN-t!R i. P7mm:1 t..Ijrll P16 • 0 California JPIA AAWh nt January I, 2008 to January 1, 2009 DRIVER SPECIALTY GROUP 1. All Risk (excluding Earthquake and Flood) 2. Actual Loss Sustained H. Electronic Data Processing (EDP) Data Processing Media Per reported values 1. All Risk (excluding Earthquake and Flood) 3. Replacement Cost 4. Agreed Amount 1. Mobile/Contractors Equipment / Unlicensed Vehicles Per reported values . 1. All Risk (excluding Earthquake and Flood) 2. Replacement Cost J. Property in Course of Construction Per reported values / $50,000,000 1. All Risk (excluding Earthquake and Flood) Sub-Limit 2. Replacement Cost K. Building Laws, Demolition Costs/Undamaged Building(s) Per reported values 1. Increased Cost of Construction L. Newly Acquired or Constructed Buildings 1. All Risk (excluding Earthquake and Flood) 2. Replacement Cost M. Accounts Receivable 1. All Risk (excluding Earthquake and Flood) 2. Actual Loss Sustained N. Valuable Papers f. All Risk (excluding Earthquake and Flood) 2. Actual Loss Sustained 0. Fine Arts I. All Risk (excluding Earthquake and Flood) 2. ' Agreed Value II. AUTOMOBILE PHYSICAL DAMAGE A. Licensed Vehicles (Optional Coverage) 1. All Risk (excluding Earthquake and Flood) 2. Stated Value Per reported values / $25,000,000 Sub-Limit Per reported values Per reported values Per reported values Per vehicle schedule (if purchased) B. Licensed Emergency Vehicles (Optional Coverage) Per vehicle schedule (if purchased) 1. All Risk (excluding Earthquake and Flood) 2. Stated Value 3. Including Equipment within or on (if value declared) III. EARTHOUAKE & FLOOD (Optional Coverage) (PER SCHEDULE OF VALUES) :Yllinnl iroalr~;liz tidPt ic. , irC, r 1 ;n! Dnut <!r•tl. Slwc ]u0. V.\\tvtI! Benc`.% v2660 'It I!n li , l V IIIITRp ; u i n %R Y • e -c 4 F Sc:~'. + P17 • California JPJA January 1, 2008 to January 1, 2009 A. Earthquake and Flood 1. Replacement Cost 2. Agreed Amount IV. EXTENSIONS OF COVERAGE A. Limited Accidental Contamination B. Animals subject to maximum per animal of $25,000 C. Newly acquired Fine Arts D. Limited Mold, Mildew, Fungus $10,000 per occurrence V. DEDUCTIBLES /Per Occurrence all Perils • 441hant DRIVER SPECIALTY GROUP Per reported values (if purchased) MAXIMUM SUB-LIMIT S 25,000 180 Day Reporting $500,000 $250,000 $100,000 MAXIMUM AMOUNT A. Real and Personal Property, Electronic Date Processing $5,000 Per Occurrence Equipment, Mobile/Contractors Scheduled Equipment, On- Premises Vehicles, Course of Construction, Fine Arts, Business Income and Extra Expense B. Vehicles, Auto Physical Damage - Comprehensive and Collision, Radio & Telephone Equipment in Vehicles (Optional Coverage) C. Emergency Vehicles (Optional Coverage) D. Earthquake (Optional Coverage) E. Flood (Optional Coverage) Flood and/or Wave Wash (Optional Coverage) VI. MAJOR EXCLUSIONS (but not limited to) 51,000 Per Occurrence $5,000 Per Occurrence 5% of the Combined Total Values for Building, Personal Property and Business Income Per Premise Per Occurrence (per schedule on file) $100,000 Minimum Per Loss $100,000 Per Occurrence except $ 250,000 Flood Zones A & V S 500,000 Per Occurrence Per Pier (The following definitions and descriptions are abbreviated and are to be used only as a quick reference of coverage. Please refer to the policy on file with California JPIA for complete terms, conditions and exclusions.) A. PERILS NOT COVERED 1. Earthquake and Flood (Scheduled earthquake and flood insurance is available as an optional coverage.) 2. Nuclear Hazard 3. War and il4ilitary Action 4. Power Failure/Service Interruption 5. Dishonest Acts of Employees ;lti:ml In.;urznee J~rF ices. inc. - I?.'ii Char tivtct. itr 'Dt, • KU::4Y F33s!cn, 4?;yitrt I'h,. n .4i,Q-'~h tl'?71 • FaN 9K+ Sir Z' ; r '•.vzd ' r m~tazna.com • .iccm No. 0("16,1o I i. . y l\ G'J I: A 4 P . ••:x.41: Ln: .Jb4340 P18 California JPIA f!ian January 1, 2008 to January 1, 2009 DRIVER SPECIALTY CROUP 6. Developing Defects - Wear and Tear 7. Hazardous Substance - Pollutants/Contaminants 8. Explosion of steam powered equipment, but resultant fire is covered (NOTE: boiler and machinery insurance provides this coverage and is available as an option.) 9. Electrical arcing and/or rupture caused by centrifugal force (:MOTE: boiler and machinery insurance provides this coverage and is available as an option.) 10. Acts or Decisions 11. Contamination/Contents Loss 12. Design, Manufacturing, and Workmanship Errors, faulty, inadequate or defective 13. Environment 14. Mysterious Disappearance 15. Penalties 16. Biological or Chemical Materials 17. Micro Organisms 18. Costs incurred by a Public Adjuster 19. Terrorism B. PROPERTY NOT COVERED 1. Money and Securities 2. Land 3. Tees, Greens, Fairways, Landscaping, Standing Timber, Bodies of Water, Growing Crops, Dams (unless declared) 4. Piers (unless declared), Bridges (unless declared), Retaining Walls, Docks & Wharves 5. Vehicles (unless declared) (Physical Damage coverage is available as an option.) 6. Aircraft and Watercraft This document is for information purposes only and does not alter the policy in any way. Please refer to the policy form for complete coverage and exclusion information. Alliant embraces a policy of transparency with respect ro its compensation from insurance transactions. Details on our compensation policy, including the types of income that Alliant may earn on a placement, are available on our website ar www.alliantinsurance.com. For a copy of our policy orfor any inquiries regarding compensation issues pertaining to your account you may also contact us at: Alliant Insurance Services, Inc.. Attention: Chief Financial Qjicer, 1301 Dove Street, Suite 100, Newport Beach, CA 92660. * Analyzing insurers' aver-all performance and financial strength is a task that requires specialed skills and in-depth technical understanding of all aspects of insurance company finances and operations. Insurance brokerages such as Alliant Insurance typically rely upon rating agencies for this type of market analysis. Both A.M. Best and Standard and Poor's have been industry leaders in this area jar many, decades, utilizing a combination of quantitative and qualitative analysis of the information available in formulating their ratings. A.M. Best has an extensive database of nearly 6.000 Lilte/Health, Propertv Casualty and International companies. You can visit them at wvw.ambesr.com For additional information regarding insurer financial strength ratings visit Standard and Poor's website at wxiv.standardandpoors. com To learn more about companies doing business in California, visit the California Department of/nsurance website at s:avw•. insurance. ca.gov 4 A iImM Insur:drte ten ti,rra. irks I~X).'<ru )a;: 1lcucb, t.'A 9266;1 Phfnr')19 'ar i i log 9 11(,_27 . n s ,nlIFa tin ,,nrc uwn • Lic n`c 1n.')("I ' . . ❑ Ir,, P:,y+u Iht I!, N,AIT - IN G:: c.l lw - ,e. V+a ( 0 . P19 • 0 Alliat Iiiie 'Fat SPE:C3;1:..7Y (:If(IC~S' California JPIA January 1, 2008 to January 1, 2009 BOILER & MACHINERY SUMMARY OF INSURANCE NAMED INSURED: California JPIA and its Member Agencies: (Boiler snd:tlachineryis covered on/v ifpurrhased ( values declared are the Real Property Valuer on property schedules on file with the companvandAIlion t fnsurincr Serviceq Inc). INSURANCE COMPANY / See Schedule of Insurers POLICY NUMBER: POLICY TERM: January 1, 2008 to January 1, 2009 COVERAGE & LIMITS: Combined Limit S 100,000,000 Extra Expense S 2,500,000 Expediting Expense S 2,500,000 Ammonia Contamination S 2,500,000 Water Damage S .2,500,000 Hazardous Substance $ 2,500,000 Demolition and Increased Cost Of Construction $ 2,500,000 Comprehensive Property Damage Coverage Including Production Machinery, Repair or Replacement Coverage Business Interruption/Extra Expense Coverage Limit of Loss: Included in Combined Limit Form: Actual Loss Sustained Form Deductible: 24 Hours, Combined BUEE Utility Interruption Coverage Limit of Loss: 82,500,000 Waiting Period: 24 hours, Separate Utility Supplier: Any Public or Private Utility (Directly Supplying) Service Covered: Water, Gas Electricity, Steam, Refrigeration and Telephone. MAJOR EXCLUSIONS Earth Movement (but not limited to) Nuclear Hazard War and Military Action Certified Acts of Terrorism TRIA Per Property Schedule on File with Company DEDUCTIBLE: 85,000 Per Accident or Occurrence B&M VALUES: Per Reported Values ANNUAL PREMIUM: Per Reported Values Please contact the California JPIA for complete policy terms. conditions and atchatons. lnc. I "iI ISuc. L. Sair - r<<rt 'car~h i'm i s '16'\1' Cli Gi:It1f1i0i1ll1Ci ~l i! :..IC~..,~ \...'Ji.±J\I•i P20 • 0 lAffia t. California JPIA January 1, 2008 to January 1, 2009 This document is for information purposes only and does not alter the policy in any way. Please refer to tine policy form for complete coverage and exclusion a formation. Allicnt embraces a policy oftranaparency with respect toils compensation from insurance transactions. Details on our compensation policy, including the types of income that Allimu may earn on a placement, are available on our website at w+tw•.alliantinsurance.coni. For a copy of mtr policy or for any inquiries regarding compensation issues pertaining to your account you may also contact us at: Alliam Insurance Services, Inc., Attention: Chief Financial Qffzcer, 1301 Dove Street. Suite 200, Newport Beach, CA 92660. • Am ilyzing insurers' over-all performance and financial strength is a task that requires specialized skills and in- depth technical understanding ofall aspects of insurance company finances and operations. Insurance brokerages such as Alliant Insurance typically rely upon rating agencies for this type of market analysis. Both A.M. Best and Standard and Poor's have been industry leaders in this area for many decades, utilising a combination ofquantitative and qualitative analysis of the information available in formulating their ratings. A.M. Best has an extensive database of nearly 6,000 Life/Health, Property Casualty and International companies. You can visit them at w v.ambestcom For additional information regarding insurer financial strength ratings visit Standard mid Poors website at isonv.standardandpoo rs. com To learn more about companies doing business in California, visit the California Department of Insurance website at wwov.insurance.ca.gov .'tliianl!:isurnrwL j_rvices. 11c . 1101 Dn,a>prei. soit•. 2i)il. Ne-pol: iic~rh. q?6:;11 -T~v:{y.;~.fi 11'.,'1 •I;u\! r~i;•"Li+ttc t.;~.it lttlnS. r.3e:L'in a0itn \a lil;G9ti1 I YLt PS:.w. i F•*TG. )A O:a l - +Li.:~ f Ca.rv kf. P21 • 0 Iat CALIFORNIA JPIA PROPERTY INSURANCE PROGRAM SCHEDULE OF INSURERS JANUARY 1, 2008 TO JANUARY 1, 2009 ALL RISKS (EXCLUDING EARTHQUAKE A'I`D FLOOD) - Limit: $500.000,000 Per Occurrence LEXINGTON INSURANCE COMPANY $10,000,000 California Status: Standard & Poor's Rating: Best's Guide Rating: POLICY #08PYOM0833 Admitted AA+, Stable Financial Security A+, Superior, Financial Size Category 15; Greater than 52,000,000,000 EXCESS ALL RISKS (EXCLUDING EARTHQUAKE AND FLOOD) RSUI INDEMNITY COMPANY $90,000,000 Excess $10,000,000 RSUI INDEMNITY COMPANY 590,000,000 Excess $10,000,000 RSUI INDEMNITY COMPANY 5400,000,000 Excess $100,000,000 California Status: Standard & Poor's Rating: Best's Guide Rating: POLICY #NHD414207 (CERRITOSCENTER FOR PF,RFO&VI NG ARTS AND LIBRARYONLY) POLICY #NIID414209 (ALL LOCH TIONS EYC)EPT CCFPA d LIBRARY)) POLICY #NHD414210 (ALL LOCATIONS) Admitted 'A-, Negative Financial Security A, Excellent, Financial Size Category 11; $750,000,000 to $1,000,000,000 BOILER & MACHINERY - Limit: $100,000,000 Per Accident PACIFIC INDEMNITY COMPANY (CHUBB GROUP) $ 100,000,000 California Status: Standard & Poor's Rating: Best's Guide Rating: POLICY #7640-00-36 Admitted AA Stable Financial Security A++, Superior, Financial Size Category 15; Greater than $2,000,000,000 EARTHQUAKE AND FLOOD -Limit. $75.000,000 Annual Aeereeate TOWER A Limit: S25,000,000 Primary LaVer: LEXINGTON INSURANCE COMPANY $25,000,000 California Status: Standard & Poor's Rating: Best's Guide Rating: POLICY # OSPYOM0833 Admitted AA+. Stable Financial Security A+, Superior, Financial Size Category 15; Greater than S2,000.000,000 Paae I Aliia:t InAuaucc Stn'it In,~. 1.1!1 Uaci ?Ire r ;r 30(1 ...error.;-: Bcaitl. i~:L 9'_t+6U PII r' 1+'J-?]L V :1 'ai 3 r(,._~ „ -,a Liuf It: ~.tan_C.~nln ~'_itenl 'n. OC~;GIt(~1 P22 mffiant TOWER B Limit: 815,000,000 Primary Laver: LEXINGTON INSURANCE COMPANY $25,000,000 California Status: Standard & Poor's Rating: Best's Guide Rating: POLICY # 08PYOM0833 Admitted AA+, Stable Financial Security A+, Superior, Financial Size Category 15; Greater than $2,000,000,000 EXCESS DIC INCLUDING EARTHQUAKE & FLOOD Limit: S25,000,000 Rooftop (Combined for Tower A& B) Excess of $25,000,000 ENDURANCE AMERICAN SPECLALTY INS. CO. S10,000,000 California Status: Standard & Poor's Rating: Best's Guide Rating: EMPIRE INDEMNITY INSURANCE COMPANY $5,000,000 California Status: Standard & Poor's Rating: Best's Guide Rating: PRINCETON EXCESS & SURPLUS LINES INSURANCE COMPANY $5,000,000 California Status: Standard & Poor's Rating: Best's Guide Rating: AXIS SURPLUS LINES INSURANCE COMPANY $5,000,000 California Status: Standard & Poor's Rating: Best's Guide Rating: POLICY #TBD Non-Admitted A, Stable Financial Security A, Excellent; Financial Size Category 15; Greater than S2,000,000,000 POLICY # TBD Non-Admitted AA-, Stable Financial Security A, Excellent; Financial Size Category 15; Greater than $2,000,000,000 POLICY # TBD Non-Admitted AA-. Stable Financial Security A, Excellent; Financial Size Category 15; Greater than S2,000,000,0W POLICY # TBD Non-Admitted A+, Positive Financial Security A, Stable, Financial Sue Category 15; Greater than S2,000,000,000 Limit: S25,000,000 Rooftop (Combined for Tower A& B) Excess of 550,000.000 WESTCHESTER SURPLUS LINES INS. CO. POLICY # TBD $10,000,000 California Status: Non-Admitted Standard & Poor's Rating: A+, Stable Financial Security Best's Guide Rating: A+, Superior, Financial Size Category 11; S750,000,000 to S1,W0,000,000 Page 2 ~l.liimr! b. !:ranee .~rrc i::r,:, Inc. • I)0 1 Doge Suie4 21011 o Nrwrn,r F:eai h. s2660 %61 P23 C 0 LAINant EMPIRE INDEMNITY INSURANCE COMPANY $10,000,000 California Status: Standard & Poor's Rating: Best's Guide Rating: AXIS SURPLUS LINES INSURANCE COMPANY 55,000,000 California Status: Standard & Poor's Rating: Best's Guide Rating: POLICY #TBD Non-Admitted AA-, Stable Financial Security A, Excellent; Financial Size Category 15; Greater than $2,000,000,000 POLICY # TBD Non-Admitted A+, Positive Financial Security A, Stable, Financial Size Category 15; Greater than $2,000,000,000 Limit S25,000,000 Rooftop (Combined for Tower A& B) Excess of 575.000,000 PRAETORIAN SPECIALTY INSURANCE CO. $10,000,000 California Status: Standard & Poor's Rating: Best's Guide Rating: WESTCHESTER SURPLUS LINES INS. CO. $10,000,000 California Status: Standard & Poor's Rating: Best's Guide Rating: GLENCOE INSURANCE LTD. $5,000,000 California Status: Standard & Poor's Rating: Best's Guide Rating: POLICY # TBD Non-Admitted A, Positive Financial Security A-, Stable, Financial Size Category 10; $500,000,000 to $750,000,000 POLICY # TBD Non-Admitted A, Stable Financial Security A+, Superior, Financial Size Category 11; 5750,000,000 to $1,000,000,000 POLICY # TBD Non-Admitted Not Rated A-, Excellent, Financial Size Category 10; $500,000,000 to $750,000,000 Limit: $50,000,000 Rooftop (Combined for Tower A& B) Excess of 5100.000.000 UNDERWRITERS AT LLOYDS $30,000,000 California Status: Standard & Poor's Rating Best's Guide Rating: POLICY # TBD Admitted A, Positive Financial Security A, Excellent; Financial Size Category 15; Greater than $2,000,000,000 EMPIRE INDEMNITY INSURANCE COMPANY POLICY#TBD $15,000,000 California Status: Non-Admitted Standard & Poor's Rating: AA-, Stable Financial Security Best's Guide Rating: A, Excellent; Financial Size Category 15; Greater than $2,000,000,000 Page Aili:rai tnc. ;Ol Iktcc.*za. Jui,<'_'Of; • N ~clx+rt Beach.! Sri 'i=6fit7 iorn' QliQ-- 0'', 1 > -0 iri-_^ 0(:36801 P24 • • Aft ENDURANCE AMERICAN SPECIALTY INS. CO. $5,000,000 California Status: Standard & Poor's Rating: Best's Guide Rating: POLICY #TBD Non-Admitted A, Stable Financial Security A, Excellent; Financial Size Category 15; Greater than $2,000,000,000 Limit S50,000,000 Rooftop (Combined for Tower .4 & S) Excess of $150.000,000 EMPIRE INDEMNITY INSURANCE COMPANY $20,000,000 California Status: Standard & Poor's Rating: Best's Guide Rating: . UNDERWRITERS AT LLOYDS $30,000,000 - California Status: Standard & Poor's Raring: Best's Guide Rating: POLICY # TBD Non-Admitted A.4-, Stable Financial Security A, Excellent; Financial Size Category IS; Greater than 52,000,000,000 POLICY # TBD Admitted A, Positive Financial Security A, Excellent; Financial Size Category 15; Greater than $2,000,000,000 "Alliant embraces a policy of transparency with respect to its compensation from insurance transactions. Details on our compensation policy, including the types of income that Alliant may earn art a placement, are available on our website at www.aUlantinsurance.com. For a copy of our policy or for any inquiries regarding compensation issues pertaining to your account you may also contact us at: Alliam Insurance Services, Inc., Attention: Chief Financial (Ogicer. 1301 Dove Street, Suite 100, Ne tpora Beach, CA 92660. A.M. Best has an extensive database of nearly 6,000 Life/Health, Property Casualty and International companies. You can visit them at www.ambest.com. For additional information regarding insurer financial strength ratings visit Standard and Poor's website at w:+nv.standardandpours. com. - To learn more about companies doing business in California, visit the California Department of Insurance website at www.insurance.ca.gov. Alliant embraces a policy of transparency with respect to its compensation from insurance transactions. Details on our compensation policy, including the types of income that Alliant may earn on a placement, are available on our website at www.alliantinsurance.com. For a copy of our policy or for any inquiries regarding compensation issues pertaining to your account you may also contact us at: Alliant Insurance Services, Inc., Attention: Chief Financial Officer, 1301 Dove Street, Suite 100, Newport Beach, CA 91660. Page 4 ,VIF.mt Insular i:01 Dot -ltrc~[ - p1.4curmn L'rz,;h t, r2666 1 hon- 949-756-0211 • :~::x : `6-'" ~rw~.c: ail r y.,r mca.c:.m • Liccn ~ ~ . n 'xr,Re l P25 ALLIANT INSURANCE DRIVER SPECIALTY SERVICES, I Cp /ka t ALLIANT CRIME INSURANCE PROGRAM (ACIP) . 2008-2009 INSURANCE PROPOSAL CITY OF ROSEN4EAD - CJPIA MEMBER INSURER: National Union Fire Insurance Company of Pittsburgh, PA (AIG) *A.M. BEST'S GUIDE RATING: A+, Superior; Financial Size Category 15 -$2,000,000,000 or (As of 5/2/08) Greater *STANDARD & POOR'S RATING: (As of 5/2/08) POLICY PERIOD: COVERAGE EFFECTIVE: COVERAGE: AA+ (very strong) July 1, 2008 to July 1, 2009 July 1, 2008 Government Crime Policy on Discovery form including the following coverages: ➢ Employee Theft - Per Loss Coverage ➢ Forgery or Alteration > Inside the Premises -Theft of Money and Securities. > Inside the Premises - Robbery & Safe Burglary of Other Property > Outside the Premises (Money, Securities and Other Property) > Computer Fraud > Funds Transfer Fraud > Money Orders & Counterfeit Money LIMIT: $1,000,000 DEDUCTIBLE: $2,500 EXCLUSIONS (Including but • Unauthorized disclosure of confidential information not limited to): • Governmental Action Indirect Loss • Legal Fees and Expenses • Nuclear Hazard • Pollution • War and Military Action • Inventory Shortages • Trading losses *See last page for additional details. C'.DOwmOts ani Satin¢z'&u hiic\[crsi Scrt:ngs\TC.'+-,\rvy Intcmn Fiks\OLK649=A AOP Crimc PMWc -Cn,"Of ILam+ctiM :;Ilium InFUI'elii:~ Sn cicz ,Ora. • 13( 1 Dnve Y';-10. Sul;-?00 • Nuu'a()ri Beach. CA 9261A Phona -!4-%iit-G'?I . i-ae t%w9-75ri-2'!; • \c\;'u.;t4liait[i*su:,tn_c:com • Lice:ac \'n. 0, ~'i. 0 P26 0 • DRIVER SPECIALTY CAA,fiant ?1LLIA.~T INSURANCE SERVICES, , IN 1<G.. j~ EXCLUSIONS (Including but • Accounting or Arithmetical Errors or Omissions not limited to): • Exchanges or Purchases Continued • Fire • Money Operated Devices • Motor Vehicles or Equipment and Accessories • Transfer or Surrender or Property • Vandalism • Voluntary Parting of Title to Possession of Property • Office of Foreign Assets Control (OFAC) Exclusion • Noncompliance with Credit, Debit, or Charge Card issuer's requirements • Loss caused by an employee if that employee had also committed a dishonest act (resulting in a loss of $10,000 or more) prior to the effective date of this policy - Exclusion does not apply unless the prior dishonest act is discovered by the Risk Management Department or other department designated to handle insurance matters for the named insured prior to the effective date of this policy ENDORSEMENTS: • California Changes • Additional Named Insured - Endorsement identifies individual member limit and deductible • Omnibus Named Insured - Coverage extended to all Agencies, Authorities and Districts (including Special Districts) which are governed directly by the governing body of the Named Insured • Add Faithful Performance of Duty Coverage for Government Employees • Revision of Discovery and Prior Theft or Dishonesty $10,000 Sub-Limit • Cancellation of Policy Amended - 90 Days NOC • Bonded Employees Exclusion Deleted endorsement • Add Credit, Debit or Charge Card Forgery • Include Volunteer Workers as Employees • Include Specified Non-Compensated Officers as Employees (blanket coverage) • Include Chairperson and Members of Specified Committees as Employees (blanket coverage) • Include Treasurers or Tax Collectors as Employees • Include Expenses Incurred to Establish Amount of Covered Loss - $50,000 Sub-limit • Coverage Territory Endorsement (excludes loss payments in violation of economic or trade sanctions) EMPLOYEE COUNT: 190 TOTAL ANNUAL PREMIUM: $1,265 C-D v 7a Sminpkgwhac.L..cel Stt:~nga\7'm5c,iry lnu Fle OLK6L8Xi AClP CrimeP p ml-Cnynfllasrne.Wl A 11imv Insurance Scrvie . Irte. • 1 301 brave Street. Suite 2i 1 • Nc Nroort Beach, Ca. 9'66" Phone 449- %i6-0'%i • Fax 949-756-2:13 . wwa% ;jhantinscanec.com • L<icanse No. OC?5361 P27 • 0 ALLIANT CRIME INSURANCE PROGRAM (ACIP) DESCRIPTION OF COVERAGE 2007/08 POLICY PERIOD Emplovee Theft including Faithful Performance of Duty Provides coverage for loss of money, securities and other property resulting from theft committed by an employee. Coverage is also provided for loss of money, securities and other property resulting from the failure of any employee to faithfully perform his or her duties as prescribed by law, when such failure results in the loss of covered property. Provides coverage for loss resulting directly from forgery or alteration of checks, drafts, promissory notes or similar written promises; orders or directions to pay a sum certain in money. Coverage is extended to include credit, debit or charge card forgery. Inside the Premises - Theft of Money and Securities Provides coverage for loss of money and securities inside the premises or banking premises resulting directly from theft, disappearance or destruction. Inside the Premises - Robbery or Safe Burglary of Other Property Provides coverage for loss of or damage to other property inside the premises resulting directly from robbery. Outside the Premises Provides coverage for: 1. Loss of money and securities outside the premises in the care, custody or control of a messenger (employee) or armored motor vehicle company resulting directly from theft, disappearance or destruction; and 2. Loss of or damage to other property outside the premises in the care, custody or control of a messenger (employee) or armored motor vehicle company resulting directly from robbery Computer Fraud Provides coverage for loss of or damage to money, securities and other property resulting directly from the use of any computer to fraudulently transfer that property from inside the premises or banking premises to a person or place outside those premises. Funds Transfer Fraud Provides coverage for loss funds resulting directly from a,fraudulent instruction directing a financial institution to transfer, pay or deliver funds from your transfer account. Monev Orders and Counterfeit Monev Provides coverage for loss directly resulting from your having accepted in good faith, in exchange for merchandise, money, or services: 1. Money orders that are not paid upon presentation; or 2. Counterfeit money acquired during the regular course of business Subject to policy terms, conditions and exclusions. P28 ALLIANT INSURANCE SERVICES, INC. 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 LICENSE # 0036861 GOVERNMENT CRIME POLICY DECLARATIONS POLICY NUMBER: 713-20-35 REPLACEMENT OF POLICY: 626-43-20 In Return For The Payment Of The Premium, And Subject To All The Terms And Conditions Of This Policy, We Agree With You To Provide The Insurance As Stated In This Policy. COMPANY NAME AREA PRODUCERS NAME AREA NATIONAL UNION FIRE INSURANCE COMPANY OF ALLIANT INSURANCE SERVICES, INC PITTSBURGH, PA 1301 DOVE ST NEWPORT BEACH, CA 92660-2412 NAMED INSURED: MEMBERS OF THE ALLIANT CRIME INSURANCE PROGRAM (ACIP) (as endorsed) (Also list any Employee Benefit Plan(s) included as Insureds) MAILING ADDRESS: c%ALLIANT INSURANCE SERVICES, INC., 1301 DOVE ST, STE 200 NEWPORT BEACH, CA 92660 POLICY PERIOD: APRIL 1, 2007 to JULY 1, 2008 (12:01 A.M. at your Mailing Address shown above) INSURING AGREEMENTS, LIMITS OF INSURANCE AND DEDUCTIBLE INSURING AGREEMENTS 1. Employee Theft - Per Loss Coverage 2. Employee Theft - Per Employee Coverage 3. Forgery Or Alteration 4. Inside The Premises - Theft Of Money And Secu- rities 5. Inside The Premises - Robbery Or Safe Burglary Of Other Property 6. Outside The Premises 7. Computer Fraud 8. Funds Transfer Fraud 9. Money Orders And Counterfeit Paper Currency If Added by Endorsement, Insuring Agreement(s): • LIMIT OF INSURANCE Per Occurrence AS ENDORSED Not covered AS ENDORSED AS ENDORSED AS ENDORSED AS ENDORSED AS ENDORSED AS ENDORSED AS ENDORSED DEDUCTIBLE AMOUNT Per Occurrence AS ENDORSED AS ENDORSED AS ENDORSED AS ENDORSED AS ENDORSED AS ENDORSED AS ENDORSED AS ENDORSED S S If "Not. Covered" is inserted above opposite any specified Insuring Agreement, such Insuring Agreement and any other reference thereto in this policy is deleted. ENDORSEMENTS FORMING PART OF THIS POLICY WHEN ISSUED: #1, #2,43, #4, #5, 96, #7, #8, #9, #10, #11, #12, #13, #14, #15, #16, #17, #18, #19, #20, #21, #22, #23 CR DS 04 07 02 O ISO Properties, Inc., 2001 Page 1 of 1 Pfa 9 !`rl DV t • 0 CANCELLATION OF PRIOR INSURANCE ISSUED BY US: By acceptance of this Policy you give us notice cancelling prior policy Nos. 00006264320; the cancellation to be effective at the time this Policy becomes effective. PREMIUM: $625,501 S CRETARY 0/~, e 4. E PRESIDENT COUNTERSIGNED L AUTHORIZED REPRESENTATIVE (Date) BY: (Authorized Representative) P30 0 CRIME AND FIDELITY CR 00 26 05 06 GOVERNMENT CRIME POLICY (DISCOVERY FORM) Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is or is not covered. Throughout this policy the words "you" and 'gout' refer to the Named Insured shown in the Declarations. The words 'ore", "us" and "our" refer to the Company providing this insurance. Other words and phrases that appear in quotation marks have special meaning. Refer to Section F. Definitions. A. Insuring Agreements Coverage is provided under the following Insuring Agreements for which a Limit of Insurance is shown in the Declarations and applies to loss that you sustain resulting directly from an "occurrence" taking place at any time which is "discovered" by you during the Policy Period shown in the Declara- tions or during the period of time provided in the Extended Period To Discover Loss Condition E.1.i.: 1. Employee Theft- Per Loss Coverage We will pay for loss of or damage to "money", "securities" and "other property" resulting di- rectly from "theft" committed by an "employee", whether identified or not, acting alone or in col- lusion with other persons. For the purposes of this Insuring Agreement, "theft" shall also include forgery. (2) Made or drawn by one acting as your agent; or that are purported to have been so made or drawn. For the purposes of this Insurng Agree- ment, a substitute check as defined in the Check Clearing for the 21st Century Act shall be treated the same as the original it replaced. b, If you are sued for refusing to pay any in- strument covered in Paragraph 3.a., on the basis that it has been forged or altered, and you have our written consent to defend against the suit, we will pay for any reason- able legal expenses that you incur and pay in that defense. The amount that we will pay is in addition to the Limit of Insurance applicable to this Insuring Agreement. 4. Inside The Premises - Theft Of Money And Securities a. We will pay for loss of "money" and "securi- ties" inside the "premises" or "banking premises": (1) Resulting directly from "theft" committed by a person present inside such "prem- ises" or "banking premises": or (2) Resulting directly from disappearance or destruction. 0 2. Employee Theft - Per Employee Coverage b. We will pay for loss from damage to the We will pay for loss of or damage to "money", premises" or its exterior resulting directly "securities" and "other property" resulting di- from an actual or attempted "theft" of rectly from "theft" committed by each "em- money" and "securities", if you are the ployee", whether identified or not, acting alone owner of the "premises" or are liable for or in collusion with other persons. damage to it. For the purposes of this Insuring Agreement, c. We will pay for loss of or damage to a "theft' shall also include forgery. locked safe, vault, cash register, cash box or cash drawer located inside the "prem- ises" resulting directly from an actual or at- a. We will pay for loss resulting directly from tempted "theft" of or unlawful entry into 'forgery" or alteration of checks, drafts, those containers. promissory notes, or similar written prom- ises, orders or directions to pay a sum cer- tain in "money" that are: (1) Made or drawn by or drawn upon you; or CR 00 26 06 06 O ISO Properties, Inc., 2005 Page 1 of 11 ❑ P31 5. Inside The Premises - Robbery Or Safe Burglary Of Other Property a. We will pay for loss of or damage to "other property': (1) Inside the "premises" resulting directly from an actual or attempted "robbery" of a "custodian", or (2) inside the "premises" in a safe or vault resulting directly from an actual or at- tempted "safe burglary". b. We will pay for loss from damage to the "premises" or its exterior resulting directly from an actual or attempted "robbery" or "safe burglary" of "other property', if you are the owner of the "premises" or are liable for damage to it, c. We will pay for loss of or damage to a locked safe or vault located inside the "premises" resulting directly from an actual or attempted "robbery" or "safe burglary". 6. Outside The Premises a. We will pay for loss of "money" and "securi- ties" outside the "premises" in the care and custody of a "messenger" or an armored motor vehicle company resulting directly from 'theft", disappearance or destruction. b. We will pay for loss of or damage to "other property" outside the "premises" in the care and custody of a "messenger" or an ar- mored motor vehicle company resulting di- rectly from an actual or attempted "rob- bery". 7. Computer Fraud We will pay for loss of or damage to "money", "securities" and "other property" resulting di- rectly from the use of any computer to fraudu- lently cause a transfer of that property from in- side the "premises" or "banking premises"; a. To a person (other than a "messenger") outside those "premises"; or b. To a place outside those "premises". 8. Funds Transfer Fraud We will pay for loss of "funds" resulting directly from a "fraudulent instruction" directing a finan- cial institution to transfer, pay or deliver "funds" from your "transfer account". 9. Money Orders And Counterfeit Money We will pay for loss resulting directly from your having accepted in good faith, in exchange for merchandise, "money" or services: a. Money orders issued by any post office, express company or bank that are not paid upon presentation; or E b. "Counterfeit money" that is acquired during the regular course of business. B. Limit Of Insurance The most we will pay for all loss resulting directly from an "occurrence" is the applicable Limit of In- surance shown in the Declarations. If any loss is covered under more than one Insur- ing Agreement or Coverage, the most we will pay for such loss shall not exceed the largest Limit of Insurance available under any one of those Insur- ing Agreements or Coverages. C. Deductible We will not pay for loss resulting directly from an "occurrence" unless the amount of loss exceeds the Deductible Amount shown in the Declarations. We will then pay the amount of loss in excess of the Deductible Amount, up to the Limit of Insur- ance. D. Exclusions 1. This policy does not cover: a. Acts Committed By You Loss resulting from "theft" or any other dis- honest act committed by you, whether act- ing alone or in collusion with other persons. b. Acts Of Employees Learned Of By You Prior To The Policy Period Loss caused by an "employee" if the "em- ployee" had also committed 'theft" or any other dishonest act prior to the effective date of this policy and you or any of your of- ficials, not in collusion with the "employee", leamed of that "theft" or dishonest act prior to the Policy Period shown in the Declara- tions. c. Acts Of Officials, Employees Or Representatives Loss resulting from 'theft" or any other dis- honest act committed by any of your offi- cials, "employees" or authorized represen- tatives: (1) Whether acting alone or in collusion with other persons; or (2) While performing services for you or otherwise; except when covered under Insuring Agreement A.I. or A.2. d. Confidential Information Loss resulting from: (1) The unauthorized disclosure of your confidential information including, but not limited to, patents, trade secrets, processing methods or customer lists; or Page 2 of 11 B ISO Properties, Inc., 2005 CR 00 26 05 06 t7 P32 (2) The unauthorized use or disclosure of confidential information of another per- son or entity which is held by you includ- ing, but not limited to, financial informa- tion, personal information, credit card information or similar non-public infor- mation. e. Governmental Action Loss resulting from seizure or destruction of property by order of govemmental authority. f. Indirect Loss Loss that is an indirect result of an "occur- rence" covered by this policy including, but not limited to, toss resulting from: (1) Your inability to realize income that you would have realized had there been no loss of or damage to "money", "securi- ties" or "other property". (2) Payment of damages of any type for which you are legally liable. But, we will pay compensatory damages arising di- redly from a loss covered under this policy. (3) Payment of costs, fees or other ex- penses you incur in establishing either the existence or the amount of loss un- der this policy. g. Legal Fees, Costs And Expenses Fees, costs and expenses incurred by you which are related to any legal action, except when covered under Insuring Agreement A.3. h. Nuclear Hazard Loss or damage resulting from nuclear re- action or radiation, or radioactive contami- nation, however caused. I. Pollution Loss or damage caused by or resulting from pollution. Pollution means the dis- charge, dispersal, seepage, migration, re- lease or escape of any solid, liquid, gase- ous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste in- cludes materials to be recycled, recondi- tioned or reclaimed. E J. War And Military Action Loss or damage resulting from: (1) War, including undeclared or civil war, (2) Warlike action by a military force, includ- ing action in hindering or defending against an actual or expected attack, by any government, sovereign or other au- thority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power, or action taken by gov- ernmental authority in hindering or de- fending against any of these. 2. Insuring Agreements A.I. and A.2. do not cover. a. Bonded Employees Loss caused by any "employee" required by taw to be individually bonded. b. Inventory Shortages Loss, or that part of any loss, the proof of which as to its existence or amount is de- pendent upon: (1) An inventory computation; or (2) A profit and loss computation. However, where you establish wholly apart from such computations that you have sus- tained a loss, then you may offer your in- ventory records and actual physical count of inventory in support of the amount of loss claimed. c. Trading Loss resulting from trading, whether in your 'name or in a genuine or fictitious account. d. Treasurers Or Tax Collectors Loss caused by any treasurer or tax collec- tor by whatever name known. 3. Insuring Agreements AA., A.5. and A.6. do not cover. a. Accounting Or Arithmetical Errors Or Omissions Loss resulting from accounting or arithmeti- cal errors or omissions. b. Exchanges Or Purchases Loss resulting from the giving or surrender- ing of property in any exchange or pur- chase. CR 00 26 05 06 © ISO Properties, Inc., 2005 Page 3 of 11 D P33 • c. Fire Loss or damage resulting from fire, how- ever caused, except: (1) Loss of or damage to "money" and "securities"; and (2) Loss from damage to a safe or vault. d. Money Operated Devices Loss of property contained in any money operated device unless the amount of "money" deposited in it is recorded by a continuous recording instrument in the de- vice. e. Motor Vehicles Or Equipment And Accessories Loss of or damage to motor vehicles, trail- ers or semi-trailers or equipment and ac- cessories attached to them. f. Transfer Or Surrender of Property (1) Loss of or damage to property after it has been transferred or surrendered to a person or place outside the "premises" of "banking premises": (a) On the basis of unauthorized instruc- tions; (b) As a result of a threat to do bodily harm to any person; (c) As a result of a threat to do damage to any property; (d) As a result of a threat to introduce a. denial of service attack into your computer system; (e) As a result of a threat to introduce a virus or other malicious instruction into your computer system which is designed to damage, destroy or cor- rupt data or computer programs stored within your computer system; (f) As a result of a threat to contami- nate, pollute or render. substandard your products or goods; or (g) As a result of a threat to dissemi- nate, divulge or utilize: (1) Your confidential information; or (11) Weaknesses in the source code within your computer system. (2) But, this Exclusion does not apply under Insuring Agreement A.G. to loss of "money", "securities" or "other property" while outside the "premises" in the care and custody of a "messenger" H you: (a) Had no knowledge of any threat at the time the conveyance began; or • (b) Had knowledge of a threat at the time the conveyance began, but the loss was not related to the threat. g. Vandalism Loss from damage to the "premises" or its exterior, or to any safe, vault, cash register, cash box,, cash drawer or "other property" by vandalism or malicious mischief. h. Voluntary Parting Of Title To Or Possession Of Property Loss resulting from your, or anyone acting on your express or implied authority, being induced by any dishonest act to voluntarily part with title to or possession of any prop- erty. 4. Insuring Agreement A.7. does not cover a. Credit Card Transactions Loss resulting from the use or purported use of credit, debit, charge, access, con- venience, identification, stored-value or other cards or the information contained on such:cards. b. Funds Transfer Fraud Loss resulting from a "fraudulent instruc- tion" directing a financial institution to trans- fer, pay or deliver "funds" from your "trans- fer account". c. Inventory Shortages Loss, or that part of any loss, the proof of which as to its existence or amount is de- pendent upon: (1) An inventory computation; or (2) A profit and loss computation. 5. Insuring Agreement AX. does not cover. COMPUTER FRAUD Loss resulting from the use of any computer to fraudulently cause a transfer of "money", "se- curities" or "other property". E. Conditions 1. Conditions Applicable To All Insuring Agreements a. Additional Premises Or Employees if, while this policy is in force, you establish any additional "premises" or hire additional "employees", such "premises" and "em- ployees" shall automatically be covered un- der, this policy. Notice to us of an increase in the number of "premises" or "employees" need not be given and no additional pre- mium need be paid for the remainder of the Policy Period shown in the Declarations. Page 4 of 11 © ISO Properties, Inc., 2005 CR 00 26 05 06 P34 LJ b. Cancellation Of Policy (1) The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance writ- ten notice of cancellation. (2) We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least: (a) 10 days before the effective date of cancellation ff we cancel for non- payment of premium; or (b) 30 days before the effective date of cancellation if we cancel for any other reason. (3) We will mail or deliver our notice to the first Named Insured's last mailing ad- dress known to us. (4) Notice of cancellation will state the ef- fective date of cancellation. The policy period will end on that date. (5) If this policy is cancelled, we will send the first Named Insured any premium re- fund due. If we cancel, the refund will be pro rata. If the first Named Insured can- cels, the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. (6) If notice is mailed, proof of mailing will be sufficient proof of notice. c. Changes This policy contains all the agreements be- tween you and us concerning the insurance afforded. The first Named Insured shown in the Declarations is authorized to make changes in the terms of this policy with our consent. This policy's terms can be amended or waived only by endorsement issued by us and made a part of this policy. d. Concealment, Misrepresentation Or Fraud This policy is void in any case of fraud by you as it relates to this policy at any time. It is also void ff you or any other Insured, at any time, intentionally conceal or misrepre- sent a material fact concerning: (1) This policy; (2) The property covered under this policy; (3) Your interest in the property covered under this policy; or (4) A claim under this policy. 0 e. Cooperation You must cooperate with us in all matters pertaining to this policy as stated in its terms and conditions. f. Duties In The Event Of Loss After you "discover a loss or a situation that may result in loss of or damage to "money", "securities" or "other property" you must: (1) Notify us as soon as possible. If you have reason to believe that any loss (except for loss covered under Insuring Agreement A.1., A.2. or A.3.) involves a violation of law, you must also notify the local law enforcement authorities. (2) Submit to examination under oath at our request and give us.a signed statement of your answers. (3) Produce for our examination all perti- nent records. (4) Give us a detailed, sworn proof of loss within 120 days. (5) Cooperate with us in the investigation and settlement of any claim. g. Employee Benefit Plans (1) The employee benefit plans shown in the Declarations (hereafter referred to as Plan) are included as Insureds under Insuring Agreement A.I. or A.2. (2) Any payment we make for loss sus- tained by any Plan will be made to the Plan sustaining the loss. (3) The Deductible Amount applicable to insuring Agreement A.I. or A.2. does not apply to loss sustained by any Plan. h. Examination Of Your Books And Records We may examine and audit your books and records as they relate to this policy at any time during the Policy Period shown in the Declarations and up to 3 years afterward. I. Extended Period To Discover Loss We will pay for loss that you sustained prior to the effective date of cancellation of this policy, which is "discovered" by you no later than 60 days from the date of that cancella- tion. CR 00 26 05 06 B ISO Properties, Inc., 2005 Page 5 of 11 0 P35 • • However, this extended period to "discover" However, this extended period to "dis- loss terminates immediately upon the effec- cover" loss terminates immediately upon tive date of any other insurance obtained by the effective date of any other insurance you, whether from us or another insurer, obtained by that Insured, whether from replacing in whole or in part the coverage us or another insurer, replacing in whole afforded under this policy, whether or not or in part the coverage afforded under such other insurance provides coverage for this policy, whether or not such other in- loss sustained prior to its effective date. surance provides coverage for loss sus- Inspections And Surveys tained prior to its effective date. (1) We have the right to: (6) We will not pay more for loss sustained (a) Make inspections and surveys at any by more than one Insured than the amount we would pay if all such loss time; had been sustained by one Insured. (b) Give you reports on the conditions (6) Payment by us to the first Named In- we find; and sured for loss sustained by any Insured, (c) Recommend changes. other than an employee benefit plan, (2) We are not obligated to make any in- shall fully release us on account of such spections, surveys, reports or recom- loss. mendations and any such actions we do 1. Legal Action Against Us undertake relate only to insurability and You may not bring any legal action against the premiums to be charged. We do not us involving loss: make safety inspections. We do not un- dertake to perform the duty of any per- (1) Unless you have complied with all the son or organization to provide for the terms of this policy; health or safety of workers or the public. (2) Until 90 days after you have filed proof And we do not warrant that conditions: of loss with us; and (a) Are safe or healthful; or (3) Unless brought within 2 years from the (b) Comply with laws, regulations, codes date you "discovered" the loss. or standards. If any limitation in this Condition is prohib- (3) Paragraphs j.(1) and j.(2) apply not only ited by law, such limitation is amended so to us, but also to any rating, advisory, as to equal the minimum period of limitation rate service or similar organization provided by such law. which makes insurance inspections, m. Liberalization surveys, reports or recommendations. If we adopt any revision that would broaden k. Joint Insured the coverage under this policy without addi- (1) If more than one Insured is named in the tional premium within 45 days prior to or Declarations, the first Named Insured during the Policy Period shown in the Dec- will act for itself and for every other In- larations, the broadened coverage will im- sured for all purposes of this policy. If mediately apply to this policy. the first Named Insured ceases to be n. Other Insurance covered, then the next Named Insured If other valid and collectible insurance is will become the first Named Insured. available to you for loss covered under this (2) If any Insured or official of that Insured policy, our obligations are limited as follows: has knowledge of any information rele- (1) Primary Insurance vant to this policy, that knowledge is considered knowledge of every Insured. When this policy is written as primary in- (3) An "employee" of any Insured is consid- surance, and: ered to be an "employee" of every In- (a) You have other insurance subject to sured. the same terms and conditions as (4) If this policy or any of its coverages is this policy, we will pay our share of the covered loss. Our share is the cancelled as to any Insured, loss sus- ' proportion that the applicable Limit of tained by that Insured is covered only rf Insurance shown in the Declarations it is "discovered", by you no later than 60 bears to the total limit of all insur- days from the date of that cancellation. ance covering the same loss. Page 6 of 11 z0 ISO Properties, Inc., 2005 CR 00 26 05 06 ❑ P36 • (b) You have other insurance covering the same loss other than that de- scribed in Paragraph (1)(a), we will only pay for the amount of loss that exceeds: (i) The Limit of Insurance and De- ductible Amount of that other in- surance, whether you can collect on it or not; or III) The Deductible Amount shown in the Declarations; whichever is greater. Our payment for loss is subject to the terms and conditions of this policy. (2) Excess Insurance (a) When this policy is written excess over other insurance, we will only pay for the amount of loss that ex- ceeds the Limit of Insurance and Deductible Amount of that other in- surance, whether you can collect on it or not. Our payment for loss is sub- ject to the terms and conditions of this policy. (b) However, if loss covered under this policy is subject to a Deductible, we will reduce the Deductible Amount shown in the Declarations by the sum total of all such other insurance plus any Deductible Amount applica- ble to that other insurance. o. Ownership Of Property; Interests Covered The property covered under this policy is limited to property: (1) That you own or lease; or (2) That you hold for others whether or not you are legally liable for the loss of such property. However, this policy is for your benefit only. It provides no rights or benefits to any other person or organization. Any claim for loss that is covered under this policy must be presented by you. • p. Policy Bridge - Discovery Replacing Loss Sustained (1) If this policy replaces insurance that provided you with an extended period of time after cancellation in which to dis- cover loss and which did not terminate at the time this policy became effective: (a) We will not pay for any loss that occurred during the Policy Period of that prior insurance which is "discov- ered" by you during the.extended pe- riod to "discover" loss, unless the amount of loss exceeds the Limit of insurance and Deductible Amount of that prior insurance. In that case, we will pay for the excess loss subject to the terms and conditions of this pol- icy. (b) However, any payment we make for the excess loss will not be greater than the difference between the Limit of Insurance and Deductible Amount of that prior Insurance and the Limit of insurance shown in the Declara- tions. We will not apply the Deducti- ble Amount shown in the Declara- tions to this excess loss. (2) The Other Insurance Condition E.1.n. does not apply to this Condition. q. Premiums The first Named Insured shown in the Dec- larations: (1) Is responsible for the payment of all premiums; and (2) Will be the payee for any return premi- ums we pay, r. Records You must keep records of all property cov- ered under this policy so we can verify the amount of any loss. CR 00 26 05 06 ® ISO Properties, Inc., 2005 Page 7 of 11 0 P37 • 0 Recoveries s (b) Loss of "securities" but only up to . (1) Any recoveries, whether effected before and including their value at the close of business on the day the loss was or after any payment under this policy, "discovered". We may, at our option: whether made by us. or you, shall be applied net of the expense of such re- (i) Pay the market value of such " covery: or replace them in "securities (a) First, to you in satisfaction of your - kindsign, to in us all which your event you rights, title must as- covered loss in excess of the amount covered interest in and to those "securi- paid under this policy; ties'; or (b) Second, to us in satisfaction of (ii) Pay the cost of any Lost Securi- amounts paid in settlement of your ties Bond required in connection claim; with issuing duplicates of the "se- (c) Third, to you in satisfaction of any curities". However, we will be li- Deductible Amount; and able only for the payment of so (d) Fourth, to you in satisfaction of any much of the cost of the bond as loss not covered under this policy. would be charged for a bond hav- ing a penalty not exceeding the (2) Recoveries do not include any recovery: lesser of the: (a) From insurance, suretyship, reinsur- I. Market value of the "securi- ance, security or indemnity taken for ties" at the close of business our benefit; or on the day the loss was "dis- (b) Of original "securities" after dupik covered", or cates of them have been issued. li. The Limit of Insurance appli- t Territory cable to the "securities". This policy covers loss that you sustain re- (c) Loss of or damage to "other prop- sulting directly from an "occurrence" taking erty" or loss from damage to the place within the United States of America "premises" or its exterior for the re- (including its territories and possessions) placement cost of the property with- and Puerto Rico. out deduction for depreciation. How- Transfer Of Your Rights And Duties u ever, we will not pay more than the . Under This Policy least of the following: Your rights and duties under this policy may (i) The cost to replace the lost or not be transferred without our written con- damaged property with property of comparable material and qual- sent. ity and used for the same pur- v. Transfer Of Your Rights Of Recovery pose; Against Others To Us (ii) The amount you actually spend You must transfer to us all your rights of re- that is necessary to repair or re- covery against any person or organization place the lost or damaged prop- for any loss you sustained and for which we erty; or have paid or settled. You must also do eve- to secure those rights hi (iii) The Limit of Insurance applicable ng necessary ryt and do nothing after loss to impair them. to the lost or damaged property, Valuation - Settlement w With regard to Paragraphs w41)(c)(1) . through w.(1)(c)(iii), we will not pay (1) The value of any loss for purposes of on a replacement cast basis for any coverage under this policy shall be de- loss or damage: termined as follows: i. Until the lost or damaged (a) Loss of "money" but only up to and property is actually repaired or including its face value. replaced; and ii. Unless the repairs or re- placement are made as soon as reasonably possible after the loss or damage. Page 8 of 11 Q ISO Properties, Inc., 2005 CR 00 26 06 06 ❑ P38 • If the lost or damaged property is not repaired or replaced, we will pay on an actual cash value basis. (2) Any property that we pay for or replace becomes our property. 2. Conditions Applicable To Insuring Agreements A.I. And A.2. a. Indemnification We will indemnify any of your officials who are required by law to give individual bonds for the faithful performance of their duties against loss through "theft" committed by "employees" who serve under them, subject to the applicable Limit of Insurance. b. Termination As To Any Employee This Insuring Agreement terminates as to any "employee": (1) As soon as: (a) You; or (b) Any of your officials or employees authorized to manage, govern or control your. "employees" not in col- lusion with the "employee"; learn of "theft" or any other dishonest act committed by the "employee" whether before or after becoming em- ployed by you. (2) On the date specified in a notice mailed to the first Named Insured. That date will be at least 30 days after the date of mailing. We will mail or deliver our notice to the first Named Insured's last mailing ad- dress known to us. If notice is mailed, proof of mailing will be sufficient proof of notice. c. Territory We will pay for loss caused by any "em- ployee" while temporarily outside the terri- tory specified in the Territory Condition E.1.L for a period of not more than 90 con- secutive days. 3. Conditions Applicable To Insuring Agreement A.3. a. Deductible Amount • c. Proof Of Loss You must include with your proof of loss any instrument involved in that loss, or, if that is not possible, an affidavit setting forth the amount and cause of loss. d. Territory We will cover loss that you sustain resulting directly from an "occurrence" taking place anywhere in the world. Territory Condition E.1.t. does not apply to Insuring Agreement A.3. 4. Conditions Applicable To Insuring Agreements A.S. And A.S. a. Amwred Motor Vehicle Companies Under Insuring Agreement A.6., we will only pay for the amount of loss you cannot re- cover. (1) Under your contract with the armored motor vehicle company; and (2) From any insurance or indemnity carried by, or for the benefit of customers of, the armored motor vehicle company. b. Special Limit Of Insurance For Specified Property We will only pay up to $5,000 for any one "occurrence" of loss of or damage to manu- scripts, drawings, or records of any kind, or the cost of reconstructing them or reproduc- ing any information contained in them. 5. Conditions Applicable To Insuring Agreement A.7. a. Special Limit Of Insurance For Specified Property We will only pay up to $5,000 for any one "occurrence" of loss of or damage to manu- scripts, drawings, or records of any kind, or the cost of reconstructing them or reproduc- ing any information contained in them. b. Territory We will rover loss that you sustain resulting directly from an "occurrence" taking place anywhere in the world. Territory Condition E.t1 does not apply to Insuring Agreement A.7. F. Definitions The Deductible Amount does not apply to 1. "Banking premises" means the interior of that legal expenses paid under Insuring Agree- portion of any building occupied by a banking ment A.3. institution or similar safe depository. b. Electronic And Mechanical Signatures 2. "Counterfeit money" means an imitation of We will treat signatures that are produced "money" that is intended to deceive and to be or reproduced electronically, mechanically taken as genuine. or by other means the same as handwritten signatures. CR 00 26 05 06 © ISO Properties, Inc., 2005 Page 9 of 11 P39 • 3. "Custodian" means you, or any "employee" while having care and custody of property in- side the "premises", excluding any person while acting as a "watchperson" or janitor. 4. "Discover" or "discovered" means the time when you first become aware of facts which would cause a reasonable person to assume that a loss of a type covered by this policy has been or will be incurred, regardless of when the ad or ads causing or contributing to such loss occurred, even though the exact amount or details of loss may not then be known. "Discover" or "discovered" also means the time when you first receive notice of an actual or po- tential claim in which it is alleged that you are liable to a third party under circumstances which, if true, would constitute a loss under this policy. 5. "Employee": a. "Employee" means: (1) Any natural person: (a) While in your service and for the first 30 days immediately after termina- tion of service, unless such termina- tion is due to "theft" or any other dis- honest act committed by the "employee"; (b) Who you compensate directly by salary, wages or commissions; and (c) Who you have the right to direct and control while performing services for you; (2) Any natural person who is furnished temporarily to you: (a) To substitute for a permanent "em- ployee" as defined in Paragraph a.(1), who is on leave; or (b) To meet seasonal or short-term workload conditions; while that person is subject to your di- rection and control and performing ser- vices for you, excluding, however, any such person while having care and cus- tody of property outside the "premises"; (3) Any natural person who is leased to you under a written agreement between you and a labor leasing firm, to perform du- ties related to the conduct of your busi- ness, but does not.mean a temporary employee as defined in Paragraph a.(2); f~ (4) Any natural person who is: (a) A trustee, officer, employee, admin- istrator or manager, except an ad- ministrator or manager who is an in- dependent contractor, of any employee benefit plan; and (b) An official of yours while that person is engaged in handling "funds" or "other property" of any employee benefit plan; (5) Any natural person who is a former official, "employee" or trustee retained as a consultant while performing ser- vices for you; or (6) Any natural person who is a guest stu- dent or intern pursuing studies or duties, excluding, however, any such person while having care and custody of prop- erty outside the "premises". b. "Employee" does not mean any agent, independent contractor or representative of the same general character not specified in Paragraph 5.a. 6. "Forgery" means the signing of the name of another person or organization with intent to deceive; it does not mean a signature which consists in whole or in part of one's own name signed with or without authority, in any capac- ity, for any purpose. 7. "Fraudulent instruction" means: a. An electronic, telegraphic, cable, teletype, telefacsimile or telephone instruction which purports to have been transmitted by you, but which was in fact fraudulently transmit- ted by someone else without your knowl- edge or consent, b. A written instruction (other than those de- scribed in Insuring Agreement A.3.) issued by you, which was forged or altered by someone other than you without your knowledge or consent, or which purports to have been issued by you, but was in fad fraudulently issued without your knowledge or consent; or c. An electronic, telegraphic, cable, teletype, telefacsimile, telephone or written instruc- tion initially received by you which purports to have been transmitted by an "employee" but which was in fact fraudulently transmit- ted by someone else without your or the "employee's" knowledge or consent. Page 10 of 11 © ISO Properties, Inc., 2005 CR 00 26 05 06 ❑ P40 • 8. "Funds" means "money" and "securities". 9. "Messenger" means you or any "employee" while having care and custody of property out- side the "premises". 10. "Money" means: a. Currency, coins and bank, notes in current use and having a face value; and b. Travelers checks, register checks and money orders held for sale to the public. 11. "Occurrence" means: a. Under Insuring Agreement A.1.: (1) An individual act; (2) The combined total of all separate acts whether or not related; or (3) A series of ads Whether or not related; committed by an "employee" acting alone or in collusion with other persons, during the Policy Period shown in the Declara- tions, before, such Policy Period or both. b. Under Insuring Agreement A.2.: (1) An individual ad; (2) The combined total of all separate acts whether or not related; or (3) A series of acts whether or not related; committed by each "employee" acting alone or in collusion with other persons, during the Policy Period shown in the Declara- tions, before such Policy Period or both. c. Under Insuring Agreement A.3.: (1) An individual act; (2) The combined total of all separate acts whether or not related; or (3) A series of acts whether or not related; committed by a person acting alone or in collusion with other persons, involving one or more instruments, during the Policy Pe- riod shown in the Declarations, before such Policy Period or both. d. Under All Other Insuring Agreements: (1) An individual act or event; (2) The combined total of all separate ads or events whether or not related; or (3) A series of acts or events whether or not related; committed by a person acting alone or in collusion with other persons, or not commit- ted by any person, during the Policy Period shown in the Declarations, before such Pol- icy Period or both. CR 00 26 05 06 0 12. "Other property" means any tangible property other than "money" and "securitles" that has in- trinsic value. "Other property" does not include computer programs, electronic data or any property specifically excluded under this policy. 13. "Premises" means the interior of that portion of any building you occupy in conducting your business. 14. "Robbery" means the unlawful taking of prop- erty from the care and custody of a person by one who has: a. Caused or threatened to cause that person bodily harm; or b. Committed an obviously unlawful act wit- nessed by that person. 16. "Safe burglary" means the unlawful taking of: a. Property from within' a locked safe or vault by a person unlawfully entering the safe or vault as evidenced by marks of forcible en- try upon its exterior; or b. A safe or vault from inside the "premises". 16. "Securities" means negotiable and nonnego- tiable instruments or contracts representing ei- ther "money" or property and includes: a. Tokens, tickets, revenue and other stamps (whether represented by actual stamps or unused value in a meter) in current use; and b. Evidences of debt issued in connection with credit or charge cards; which cards are not issued by you; but does not include "money". 17. 'Theft" means the unlawful taking of property to the deprivation of the Insured. 18. 'Transfer account" means an account main- tained by you at a financial institution from which you can initiate the transfer, payment or delivery of "funds": a. By means of electronic, telegraphic, cable, teletype, telefacsimile or telephone instruc- tions communicated directly through an electronic funds transfer system; or b. By means of written instructions (other than those described in Insuring Agreement A.3.) establishing the conditions under which such transfers are to be initiated by such financial institution through an elec- tronic funds transfer system. 19. "Watchperson" means any person you retain specifically to have care and custody of prop- erty inside the "premises" and who has no other duties. @ ISO Properties, Inc., 2005 Page 11 of 11 ❑ P41 • C COMMERCIAL CRIME CR 02 49 03 00 This endorsement, effective 12:01 am April 1, 2007 forms a past of policy number 713-20-35 Issued to MEMBERS Of THE ALLIANT CRIME INSURANCE PROGRAM (ACIP) (as endorsed) by National Union fire Insurance Company of Pittsburgh, Pa. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA CHANGES This endorsement modifies Insurance provided under the following: COMMERCIAL CRIME POLICY EMPLOYEE THEFT AND FORGERY POLICY GOVERNMENT CRIME POLICY Paragraphs A. and B. below apply only to the Commercial Crime Policy and Govern- ment Crime Policy. A. Paragraphs (2) and (3) of the Cancel- lation Of Policy Condition are replaced by the following: (2) All Policies In Effect For 60 Days Or Less If this policy has been in effect for 60 days or less, and is not a renewal of a policy we have previously issued; we may cancel this policy by mailing or delivering to the first Named Insured at the mailing address shown in the policy and to the producer of record, advance written notice of cancellation, stating the reason for cancellation, at least: (a) 10 days before the effective date of cancellation if we cancel for: (p Nonpayment of premium; or (11) Discovery of fraud or. material misrepresentation by: 1. Any insured or his or her representative in obtaining this policy; or IL. You or your representative in pursuing a claim under this policy. (b)30 days before the effective date of cancellation if we cancel for any other reason. (3)AII Policies In Effect For More Than 60 Days (a) If this policy has been in effect for more than 60 days, or is a renewal of a policy we Issued, we may cancel this policy only upon the occurrence, after the effective date of the policy, of one or more of the following: (p Nonpayment of premium, including payment due on a prior policy we issued and due during the current policy term covering the some risks. (11) Discovery of fraud or material misrepresentation by: 1. Any Insured or his or her representative in obtaining this policy, or 11. You or your representative in pursuing a claim under this policy. (HO A Judgment by a court or an administrative tribunal that you have violated a California or Federal law, having as one of Its necessary elements an act which materially increases any of the risks insured against. (iv) Discovery of willful or grossly negligent acts or omissions, or of any violations of state laws or regulations establishing safety standards, by you or your representative, which. materially increase any of the risks. Insured against. (v) Failure by you or your repre- sentative to implement reason- able loss control requirements, agreed to by you as a condition of policy issuance, or which were conditions precedent to our use of a particular rate or rating plan, if that failure materially increases any of the risks Insured against. END 001 CR 02 49 03 00 Copyright, Insurance Services Office, Inc., 1999 Page i of 2 ❑ COPY P42 ENDORSEMENT# 1 (continued) (vi) A determination by the Com- missioner of Insurance that the: i. Loss of, or changes In, our reinsurance covering off or part of the risk would threaten our- financial integrity or solvency; or if. Continuation of the policy coverage would: (I) Place us In violation of California law or the laws of the state where we are domiciled; or (ii) Threaten our solvency. (vii) A change by you or your representative in the activities or property of the commercial or industrial enterprise, which results in a materially added, increased or changed risk, unless the added, Increased or changed, risk is included In the policy. (b) 11 mail or deliver written notceof cancellation, stating the reason for cancellation, to the first Named Insured, at the mailing address shown in the policy, and to the producer of record, at least: (1) 10 days before the effective date of cancellation if we cancel for a reason listed in Paragraph (3)(a)(1) or (3)(a)(fl); or (fl) 30 days before the effective . date of cancellation If we cancel for any other reason listed in Paragraph (3)(a). B. The following is added and supersedes any other provision to the contrary: NONRENEWAL t. Subject to the provisions of Para- graph B2 below, if we elect not to renew this policy, we will mail or deliver written notice stating the reason for nonrenewal to the first Named Insured shown in the Dec- larations and to the producer of record, at least 60 days, but not more than 120 days, before the expiration or anniversary date. We will mail or deliver our notice to the first Named Insured, and to the producer of re cord, at the mailing address shown in the policy. 2. We are not required to send notice of nonrenewal in the following situa- tions: a. If the transfer or renewal of a policy, without any changes In terms, conditions, or rates, Is between us and a member of our insurance group. b. If the policy has been extended for 90 days or less, provided that notice has been given In accord- ance with Paragraph B.I. c. if you have obtained replacement coverage, or If the first Named Insured has agreed, . In writing, within 60 days of the termination of the policy, to obtain that coverage. d. if the policy is for a period of. no more than 60 days and you are notified at the time of Issuance that It will not be renewed e. If the first Named Insured requests a change in the terms or condi- tions or risks covered by the policy within 60 days of the end of the policy period. f. If we have made a written offer to the first Named Insured, in ac- cordance with the time frames shown In Paragraph B.11, to renew the policy under changed terms or conditions or at an Increased premium rate, when the increase exceeds 25%. C. The following is added to the Valuation-Settlement Condition: Actual cash value is calculated as the amount it would cost to repair or replace covered property, at the time of loss or damage, with material of like kind and quality, subject to a deduction for deterioration, depreciation and obsolescence. Actual cash value applies to valuation of covered property regardless of whether that property has sustained partial or total loss or damage. The actual cash value of the lost or damaged property may be significantly less than its replacement cost. AUTHORIZED REPRESENTATIVE END 001 Page 2 of 2 rnpv Copyright, Insurance Services Office, Inc., 1999 CR 02 49 03 00 ❑ P43 • 10 ENDORSEMENT# 3 COMMERCIAL CRIME CR 25 19 03 00 This endorsement, effective 12:01 am April 1, 2007 forms a part of policy number 713-20-35 issued to MEMBERS Of THE ALLIANT CRIME INSURANCE PROGRAN fACIPI fas endorsed/ by National Union fire Insurance Company of Pittsburgh, Pa THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADD FAITHFUL PERFORMANCE OF DUTY COVERAGE FOR GOVERNMENT EMPLOYEES This endorsement modifies insurance provided under the following: GOVERNMENT CRIME COVERAGE FORM GOVERNMENT CRIME POLICY and applies to the Insuring Agreements designated below: A. Schedule* Insuring Agreement I Limit Of Insurance R Employee Theft - Per Loss Coverage Per Insuring Agreement #I J Employee Theft - Per Employee Coverage ( $O *Information required to complete this Schedule, if not shown on this endorsement, will B. Provisions 1. 2. The following is added to the Employee Theft Insuring Agreement designated above: We will pay for loss or damage to "money", "securities" and "other property" resulting directly from the failure of any "employee" to faithfully perform his or her duties as prescribed by law, when such failure has as its direct and Immediate result a loss of your covered property. The most we will pay for loss arising out of any one "occurrence' is the Limit of Insurance shown in the Schedule. That Limit, is part of, not in addition to, the Limit of Insurance shown in the Declarations. The following exclusions are added to Section D.2. Exclusions: a. Loss resulting from the failure of any entity acting as a depository for your property or property for which you are responsible. b. Damages for which you are legally liable as a result of. (1) The deprivation or violation of the civil rights of any person by an "employee"; or (2)The tortious conduct of an "employee", except the con- version of property of other parties held by you in any capacity. 3. Part (1) of the Cancellation As To Any Employee Condition is replaced by the following: (1) Immediately upon discovery by: (a) You; or (b)Any, official or employee auth- orized to manage, govern or control your "employees" of any act committed by the "em- ployee" whether before or after be coming employed by you which would constitute a loss covered under the terms of the Employee Theft Insuring Agree- ment, as amended by this endorsement. 4. The Indemnification Condition is replaced by the following: We will indemnify any of your officials who are required by law to give bonds for the faithful performance of their duties against loss through the failure of any END 003 CR 25 19 03 00 Copyright, Insurance Services Office, Inc., 1998 Page 1 of 2 0 P44 ENDORSEMENT# 3 (continued) "employee" under the supervision of that official to faithfully perform his or her 'duties as prescribed by law, when such failure has as its direct and immediate result a loss of your covered property. AUTHORIZED REPRESENTATIVE END 003 Page 2 of 2 Copyright, Insurance Services Office, Inc., 1998 CR 25 19 03 00 ❑ P45 ENDORSEMENT# 4 This endorsement, effective 11:01 am April 1, 2007 forms a part of policy number 713-20-35 q issued to pRNBSR~ Of THE (aLIANT Ced/E INSURANCE by National Union fire Insurance Company of Pittsburgh, Pa. REVISION OF DISCOVERY AND PRIOR THEFT OR DISHONESTY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following: COMMERCIAL CRIME POLICY GOVERNMENT CRIME POLICY A.Schedule` Prior Theft or Dishonesty $10,000 Amount 'Information required to complete this Schedule, if not shown on this endorsement, will be shown in the Declarations. PROVISIONS E. Conditions, 2. Conditions Applicable To Insuring Agreements A.1. And A.2., b. Termination As To Any Employee, (t) is deleted in its entirety and replaced with the following: 11) As soon as: THE RISK MANAGEMENT DEPARTMENT OR OTHER DEPARTMENT DESIGNATED TO HANDLE INSURANCE MATTERS FOR THE NAME INSURED learns of "theft" or any other dishonest act committed by the "employee" whether before or after becoming employed by you provided that such conduct involved Loss of "Money", "Securities" or "Other property" valued at the amount specified in the schedule above or more. 2. E. Conditions, 1. Conditions Applicable To All Insuring Agreements, f. Duties In The Event Of Loss, is hereby modified to add the following at the end thereof: (6) Discovery of a loss or situation that may result in loss of or damage to COPY END 4 P46 • • ENDORSEMENT# 4 (Continued) forms a pert of This endorsement, effective 12:01 am Apri) 1, 2007 policy number 713-20-35 INSURANCE Issued to PR00R OF ~asl or~ed/ by National Union fire Insurance Company of Pittshurgh, Pa. "money," "securities" or "other property" for the purpose of this section shall be discovery by any person in the following specified departments or employment capacities of the insured: RISK MANAGEMENT DEPARTMENT OR OTHER DEPARTMENT DESIGNATED TO HANDLE INSURANCE MATTERS FOR THE NAMED INSURED 3. Nothing herein contained shall be held to vary, alter, waive or extend any of the terms, limitations, conditions or agreements of the attached policy other than as stated above. 4. This endorsement is effective as of 12:01 A.M. on standard time as specified in the policy. ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS REMAIN UNCHANGED. jAUT ORIZED REPR N TIVE r.dn A P47 ENDORSEMENT# 5 This endorsement, effective 11:01 am April 1, 2007 forms a part of policy, number 713-10-35 issued to MEMBERS Of THE ALLIANT CRIME INSURANCE PROGRAM (ACIP) (as endorsed) by National Union fire insurance Company of Pittsburgh, Pa. CANCELLATION OF POLICY AMENDED THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. It is agreed: Clause E. CONDITIONS, paragraph b. CANCELLATION OF POLICY, subparagraph (2)(b) is deleted In its entirety and replaced with the following: (b) g0 days before the effective date of cancellation If we cancel for any other reason. Nothing herein stated shall be held to alter, very, waive or extend any of the terms, conditions, provisions, agreements or limitations of the policy, other than as stated herein. ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS REMAIN UNCHANGED. AUTHORIZED REPRESENTATIVE END 005 COPY Page 1 of 1 P48 • ENDORSEMENT# 6 0 This endorsement, effective 11:01 as April 1, 2007 forms a part of policy number 713-20-35 issued to MEMBERS Of THE ALLIANT CRIME INSURANCE PROGRAM (ACIPI (as endorsedl by National Union Fire Insurance Company of Pittsburgh, Pa. BONDED EMPLOYEES EXCLUSION DELETED ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following: GOVERNMENT CRIME POLICY In consideration of the premium charged, it is hereby understood and agreed that in Section D. Exclusions, subparagraph 2.e is deleted in Its entirety. ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS REMAIN UNCHANGED. 6--44 AUTHORIZED REPRESENTATIVE END 006 (6i05) COPY Page t of P49 ENDORSEMENT# 7 COMMERCIAL CRIME CR 25 28 03 00 This endorsement, effective 12:01 am April 1, 2007 forms a part of policy number 713-20-35 issued to MEMBERS OF THE ALLIANT CAINE INSURANCE PROGRAM /ACIP) las endorsed) by National Union fire Insurance Company of Pittsburgh, Pa. THIS ENDORSEMENT CHANGES. THE POLICY. PLEASE READ IT CAREFULLY. ADD CREDIT, DEBIT OR CHARGE CARD FORGERY This endorsement modifies insurance provided under the following: COMMERCIAL CRIME COVERAGE FORM COMMERCIAL CRIME POLICY EMPLOYEE THEFT AND FORGERY POLICY GOVERNMENT CRIME COVERAGE FORM GOVERNMENT CRIME POLICY and applies to the Forgery or Alteration Insuring Agreement: A. Schedule` Limit Of Insurance Covered Instruments Per Insuring Agreement 3 ® Includes ❑ Limited To "Information required to complete this Schedule, if not shown on this endorsement, will be shown in the Declarations. B. Provisions t. Covered Instruments either includes or is limited to, whichever Is In- dicated as applicable in the Schedule, written instruments required in conjunction with any credit, debit or charge card issued to you or any "employee" for business purposes. 2. The most we will pay in any one "occurrence" is the Limit of Insurance shown in the Schedule. 3. The following exclusion is added to Section D.: The Forgery or Alteration Insuring Agreement does not apply to: NON-COMPLIANCE WITH CREDIT, DEBIT OR CHARGE CARD ISSUER'S REQUIREMENTS Loss arising from any credit, debit or charge card if you have not complied fully with the provisions, conditions or other terms under which the card was issued. al C2 AUTHORIZED REPRESENTATIVE END 007 CR 25 20 03 00 Copyright, Insurance Services Office, Inc., 1998 Page 1 of 1 P50 • • ENDORSEMENT# 8 COMMERCIAL CRIME CR 25 09 03 00 This endorsement, effective 12:01 am Apri 1 1; 2007 forms a part of policy number 713-20-35 issued to MEMOIRS Of TNI ALLIANT CRIME INSURANCE PROGRAN /ACIP) Ias endorsed) by National Union Fire Insurance Company of Pittsburgh, Pa. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. INCLUDE VOLUNTEER WORKERS AS EMPLOYEES This endorsement modifies insurance provided under the following: COMMERCIAL CRIME COVERAGE FORM COMMERCIAL CRIME POLICY EMPLOYEE THEFT AND FORGERY POLICY GOVERNMENT CRIME COVERAGE FORM GOVERNMENT CRIME POLICY PROVISIONS The Definition of "Employee' is amended to include any non-compensated natural person: 1. Other than one who is a fund solicitor, while performing services for you that are usual to the duties of an 'employee'; or 2. While acting as a fund solicitor during fund raising campaigns. AUTHORIZED REPRESENTATIVE CR 25 09 03 00 COPY END 008 Copyright, insurance Services Office, Inc., 1998 Page 1 of 1 G P51 ENDORSEMENT# 9 COMMERCIAL CRIME CR 25 07 03 00 This endorsement, effective 12:01 am April f, 2007 forms a part of policy number 713-10-35 issued to MEMBERS Of THE AMANT CRIME INSURANCE PROGRAN /ACIP) (as endorsed) by National Union fire Insurance Company of Pittsburgh, Pa. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. INCLUDE SPECIFIED DIRECTORS OR TRUSTEES ON COMMITTEES AS EMPLOYEES This endorsement modifies insurance provided under the following: COMMERCIAL CRIME COVERAGE FORM COMMERCIAL CRIME POLICY EMPLOYEE THEFT AND FORGERY POLICY GOVERNMENT CRIME COVERAGE FORM GOVERNMENT CRIME POLICY A Schedule" Directors Or Trustees ANY DIRECTORS OR TRUSTEES Of ANY Of THOSE MANED AS INSURED. *Information require to complete this Schedule, if not shown on this endorsement, will be shown in the Declarations, B. Provisions The Definition of "Employee" is amended to include any of your directors or trustees who are shown in the Schedule while acting as a member of any of your elected or appointed committees to perform on your behalf specific, as distinguished from general, directorial acts. ax C;~' z; 4 AUTHORIZED REPRESENTATIVE CR 25 07 03 00 COPY END 009 Copyright, Insurance Services Office, Inc,, 1998 Page I of 1 ❑ P52 • ENDORSEMENT# 10 This endorsement, effective 12:01 am Apri 1 1, 2007 policy number 713-20-35 issued to MEMBERS OF THE ALLIANT CRIME INSURANCE PROGRAM 1ACIPI (as endorsed! COMMERCIAL CRIME CR 25 08 03 00 forms a part of by National Union Fire Insurance Company of Pittsburgh, Pa THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. INCLUDE SPECIFIED NON COMPENSATED OFFICERS AS EMPLOYEES This endorsement modifies insurance provided under the following: COMMERCIAL CRIME COVERAGE FORM COMMERCIAL CRIME POLICY EMPLOYEE THEFT AND FORGERY POLICY GOVERNMENT CRIME COVERAGE FORM GOVERNMENT CRIME POLICY A. Schedule" Names Or Titles Of Non' Compensated Officers ANY NON-COMPENSATED offICERS OF ANY Of THOSE NAMED AS INSURED. "Information require to complete this Schedule, it not shown on this endorsement, will be shown in the Declarations. B. Provisions The Definition of "Employee" is amended to include your non-compensated of- ficers shown in the Schedule. AUTHORIZED REPRESENTATIVE CR 25 08 03 00 . COPY END 010 Copyright, insurance services Office, Inc., 1998 Page 1 of 1 ❑ P53 0 • • ENDORSEMENT# 11 COMMERCIAL CRIME CR 25 06 03 00 This endorsement, effective 12:01 am April 1, 2007 forms a part of policy number 713-20-35 issued to MEMBERS Of THE ALLIANT.CRIME INSURANCE PROGRAM (ACIP) (as endorsed) by National Union fire Insurance Company of Pittsburgh, Pa. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. F SPECIFIED INCLUDE C14AIRPERSON AND MEMBERS COMMITTEES AS EMPLOYEES This endorsement modifies insurance provided under the following: COMMERCIAL CRIME COVERAGE FORM COMMERCIAL CRIME POLICY EMPLOYEE THEFT AND FORGERY POLICY GOVERNMENT CRIME COVERAGE FORM GOVERNMENT CRIME POLICY A. Schedule* Names Of Of ANY Of T *Information required to complete this Schedule, if not shown on this endorsement, will be shown in the Declarations. B. Provisions The Definition of "Employee" is amended to include any natural person, whether or not compensated, while performing services for you as the chairperson, or a member of any committee named in the Schedule. AUTHORIZED REPRESENTATIVE CR 25 06 03 00 COPY END 011 Page t of t o Copyright, insurance Services Office, Inc., 1998 P54 • • ENDORSEMENT# 12 COMMERCIAL CRIME CR 25 12 03 00 This endorsement, effective 12:01 am April 1, 2007 forms a part of policy number 713-20-35 issued to MEMBERS Of THE ALLIANT CRIME INSURANCE PROGRAM fACIPI (as endorsed/ by National Union fire Insurance Company of.Pittsburgh, Pa. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. INCLUDE TREASURERS OR TAX COLLECTORS AS EMPLOYEES This endorsement modifies insurance provided under the following: GOVERNMENT CRIME COVERAGE FORM GOVERNMENT CRIME POLICY A. Schedule* Or Tax Collectors Nnformation required. to complete this Schedule, if not shown on this endorsement, will be shown in the Declarations. B. Provisions 1. The Definition of 'Employee' is amended to include your treasurers or tax collectors shown in the Schedule. Z. Exclusion D.2.e. Treasurer or Tax Collector is deleted. AUTHORIZED REPRESENTATIVE END 012 CR 25 12 03 00 Copyright, Insurance Services Office, Inc., 1998 Page 1 of 1 ❑ COPY P55 ENDORSEMENT# 13 COMMERCIAL CRIME CR 25 40 03 00 This endorsement, effective 12:01 am April 1, 2007 forms a part of policy number 713-20-35 issued to MEMBERS OF THE ALLIANT CRIME INSURANCE PROGRAM (ACIPJ (as endorsed) by National Union Fire Insurance Company of Pittsburgh, Pa THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. INCLUDE EXPENSES INCURRED TO ESTABLISH AMOUNT OF COVERED LOSS This endorsement modifies insurance provided under the following: COMMERCIAL CRIME COVERAGE FORM COMMERCIAL CRIME POLICY EMPLOYEE THEFT AND FORGERY POLICY GOVERNMENT CRIME COVERAGE FORM GOVERNMENT CRIME POLICY applies to.the Insuring Agreement(s) designated below: Insuring Agreement Employee Theft Insuring Agreement ® Computer Fraud Insuring Agreement (not applicable to the Employee Theft And Forgery Policy) A. Schedule" Costs, Fees Or Other Expenses Limit Of Insurance $50,000 Covered Loss 100% *Information required to complete this Schedule, If not shown on this endorsement, will be shown in the Declarations. B. Provisions The following condition is added to Paragraph E. Conditions: 1. We will pay for reasonable costs, fees or other expenses that you incur and pay to an independent accounting, auditing or other service used to determine the amount of loss covered under this insurance. 2. The most that we will pay for reasonable costs, fees or other ex- penses is limited to the lesser of the: a. Limit of Insurance; or b. Percentage of the Covered Loss; shown in the Schedule. 3. We will pay for reasonable costs, fees or other expenses after settlement of covered loss. 4. We will have no liability to pay any such costs, fees or other expenses if the amount of the covered loss does not exceed the Deductible Amount of the applicable Insuring Agreement. 5. The amount that we will pay is part of, not In addition to the Limit of Insurance for the applicable Insuring Agreement. 6. Paragraph (3) of the Indirect Loss Exclusion is replaced by the fol- lowing: Payment of costs, fees or other ex- penses you incur in establishing the existence of loss under this insur- ance. N AUTHORIZED REPRESENTATIVE END 013 CR 25 40 03 00 Copyright, Insurance Services Office, Inc., 1998 Page 1 of 1 ❑ COPY P56 • • ENDORSEMENT# 14 COMMERCIAL CRIME CR 25 02 03 00 This endorsement, effective 11:01 am 'Apri 1 1, 2007 forms a part of policy number 713-10-35 issued to MEMBERS Of THE ALLIANT CRIME INSURANCE PROGRAM (ACIPI (as endorsed/ by National Union fire Insurance Company of Pittsburgh, Pa. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. INCLUDE DESIGNATED AGENTS AS EMPLOYEES This endorsement modifies insurance provided under the following: COMMERCIAL CRIME COVERAGE FORM COMMERCIAL CRIME POLICY EMPLOYEE THEFT AND FORGERY POLICY GOVERNMENT CRIME COVERAGE FORM GOVERNMENT CRIME POLICY and applies to the Employee Theft Insuring Agreement: A. Schedule* Capacity Of Agent Limit Of Insurance KEN SPIKER ANO ASSOCIATES 11,000,000 Doing work for CITY Of DANA POINT $0 $0 $0 $0 SO *Information required to complete this Schedule, if not shown on this endorsement, will be shown In the Declarations. _ a. Provisions 1. The Definition of -Employee- is amended to include each natural person, partnership or corporation you appoint in writing to act as your agent in the capacity shown in the Schedule while acting on your behalf or while in possession of covered property. These natural persons, partnerships or corporations are not covered for faithful performance of duty, even in the event that this insurance may have been amended by endorsement to provide such coverage on other "employees". Only coverage for "theft" applies to the agents scheduled above. 2. Each such agent and the partners, officers and employees of_that agent are considered to be, collectively, one "employee" for the purposes of this CR 25 02 03 00 COPY insurance. However, the Cancellation As To Any Employee Condition applies individually to each of them. 3. The most we will pay under this insurance for loss caused by an agent included as an "employee" by this endorsement is the Limit of Insurance shown in the Schedule. That Limit of Insurance is.part of, not in addition to, the Limit of Insurance shown In the Declarations as ap- plicable to the Employee Theft Insuring Agreement. AUTHORIZED REPRESENTATIVE END 014 Copyright, insurance Services Office, Inc., 1998 Page 1 of 1 P57 10 0 ENDORSEMENT # 15 This endorsement, effective: 12.01 a.m. April 1, 2007 forms a part of policy number 713,-20-35 issued to MEMBERS OF THE ALLIANT CRIME INSURANCE PROGRAM (ACIP(as endorsed) . Member: CITY OF LAKEWOOD by National Union Fire Insurance Company of Pittsburgh, Pa. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following: COMMERCIAL CRIME COVERAGE FORM COMMERCIAL CRIME POLICY EMPLOYEE THEFT AND FORGERY POLICY GOVERNMENT CRIME COVERAGE FORM GOVERNMENT CRIME POLICY A. Schedule' Name And Address Of Loss Payee GATEWAY CITIES COUNCIL OF GOVERNMENTS SOUTH EAST LOS ANGELES COUNTY 7300 ALONDRA BLVD. #201 Information required to complete this Schedule, if not shown on this endorsement, will be shown in the Decla- B. Provisions 1. You agree that any loss payable under this insurance shall be paid jointly to you and the Loss Payee shown in the Schedule as its inter- ests may appear and any such payment shall constitute payment to you. We agree that we will make all such payments jointly to you and the Loss Payee, and we will not make any payment solely to you unless we receive a re- quest in writing from the Loss Payee to make such payment to you. 2. This insurance is for your benefit only. It pro- vides no rights or benefits to any other person or organization including the Loss Payee, other than payment of loss as set forth in this en- dorsement. Any claim for loss that is covered under this in- surance must be presented by you. 3. Our liability under this insurance as extended by this endorsement shall not be cumulative. AUTHORIZED REPRESENTATIVE FAIn nip P58 • ENDORSEMENT # 16 0 This endorsement, effective: 12:01 a.m. April 1, 2007 forms a part of policy number 713-20-35 issued to MEMBERS OF THE ALLIANT CRIME INSURANCE PROGRAM (ACIP)(as endorsed) Member: CITY OF HURON by National Union Fire Insurance Company of Pittsburgh, Pa. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following: COMMERCIAL CRIME COVERAGE FORM COMMERCIAL CRIME POLICY EMPLOYEE THEFT AND FORGERY POLICY GOVERNMENT CRIME COVERAGE FORM GOVERNMENT CRIME POLICY A. Schedule' Name And Address Of Loss Payee USDA RURAL DEVELOPMENT 4625 W. JENNIFER, SUITE 126 FRESNO, CA 93727 Information required to complete this Schedule, if not shown on this endorsement, will be shown in the Decla- B. Provisions 11 You agree that any loss payable under this insurance shall be paid jointly to you and the Loss Payee shown in the Schedule as its inter- ests may appear and any such payment shall constitute payment to you. We agree that we will make all such payments jointly to you and the Loss Payee, and we will not make any payment solely to you unless we receive a re- quest in writing from the Loss Payee to make such payment to you. 2. This insurance is for your benefit only. It pro- vides no rights or benefits to any other person or organization including the Loss Payee, other than payment of loss as set forth in this en- dorsement. Any claim for loss that is covered under this in- surance must be presented by you. 3. Our liability under this insurance as extended by this endorsement shall not be cumulative. X C /m/ 4:~' (yy4 AUTHORIZED REPRESENTATIVE FAin n 1 R P59 ENDORSEMENT # 17 • This endorsement, effective: 12:01 a.m. April 1, 2007 forms a part of policy number 713-20-35 issued to MEMBERS OF THE ALLIANT CRIME INSURANCE PROGRAM IAClPI (as endorsed) Member: CITY OF SANTA CLARITA by National Union Fire Insurance Company of Pittsburgh, Pa. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following: COMMERCIAL CRIME COVERAGE FORM COMMERCIAL CRIME POLICY EMPLOYEE THEFT.AND FORGERY POLICY GOVERNMENT CRIME COVERAGE FORM GOVERNMENT CRIME POLICY A. Schedule' Name And Address Of Loss Payee THE COUNTY OF LOS ANGELES COMMUNITY AND SENIOR SERVICE 1420 WEST AVENUE I LANCASTER, CA 93534 Information required to complete this Schedule, if not shown on this endorsement, will be shown in the Decla- rations. B. Provisions 1. You agree that any loss payable under this insurance shall be paid jointly to you and the Loss Payee shown in the Schedule as its inter- ests may appear and any such payment shall constitute payment to you. We agree that we will make all such payments jointly to you and the Loss Payee, and we will not make any payment solely to you unless we receive a re- quest in wrifing from the Loss Payee to make such payment to you. 2. This insurance is for your benefit only. It pro- vides no rights or benefits to any other person or organization including the Loss Payee, other than payment of loss as set forth in this en- dorsement. Any claim for loss that is covered under this in- surance must be presented by you. 3. Our liability under this insurance as extended by this endorsement shall not be cu i mulative. (~Z/ 04. AUTHORIZED REPRESENTATIVE CAM A17 P60 ENDORSEMENT # 18 This endorsement, effective: 12:01 a.m. April 1, 2007 forms a part of policy number 713-20-35 issued to MEMBERS OF THE ALLIANT CRIME INSURANCE PROGRAM (ACIP)(as endorsed) Member: ANTELOPE VALLEY HEALTHCARE DISTRICT by National Union Fire Insurance Company of Pittsburgh, Pa. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following: COMMERCIAL CRIME COVERAGE FORM COMMERCIAL CRIME POLICY EMPLOYEE THEFT AND FORGERY POLICY GOVERNMENT CRIME COVERAGE FORM GOVERNMENT CRIME POLICY A. Schedule' Name And Address Of Loss Payee DEPT OF PUBLIC SOCIAL SERWCOMM. SERV. BLOCK GRANT (DPSS/CSBG) & COMM. DEV. BLOCK GRANT (CDBG) 12860 CROSSROADS PARKWAY SOUTH CITY OF INDUSTRY, CA 91746 COUNTY OF LOS ANGELES, COMMUNITY AND SENIOR SERVICES 3175 W. SIXTH STREET, ROOM 200 LOS ANGELES CA 90020 DEPARTMENT OF CHILDREN AND FAMILY SERVICES 425 SHATTO PLACE, ROOM 400 LOS ANGELES, CA 90012 FIRST 5 LA 750 NORTH ALAMEDA STREET LOS ANGELES, CA 90012 STATE OF CALIFORNIA, OFFICE OF EMERGENCY SERVICES 3650 SHRIEVER AVE. MATHER, CA 95655 Information required to complete :his Schedule, if not shown on this endorsement, will be shown in the Decla- rations ~ ~Al~ .,,o P61 ENDORSEMENT # 18 This endorsement, effective: 12:01 a.m. April 1, 2007 forms a part of policy number 713-20-35 issued to MEMBERS OF THE ALLIANT CRIME INSURANCE PROGRAM (AClPJ(as endorsedl neo..,hnr-. an/TF! OPE VALLEY HEALTHCARE DISTRICT by National Union Fire Insurance Company of Pittsburgh, Pa. B. Provisions 1. You agree that any loss payable under this insurance shall be paid jointly to you and the Loss Payee shown in the Schedule as its inter- ests may appear and any such payment shall constitute payment to you. We agree that we will make all such payments jointly to you and the Loss Payee, and we will not make any payment solely to you unless we receive a re- quest in writing from the Loss Payee to make such payment to YOU. 2. This insurance is for your benefit only. It pro- vides no rights or benefits to any other person or organization including the Loss Payee, other than payment of loss as set forth in this en- dorsement. Any daim for loss that is covered under this in- surance must be presented by you. 3. Our liability under this insurance as extended by this endorsement shall not be cumulative. ~X/M/ 6~~' 64 AUTHORIZED REPRESENTATIVE cntn ni.Q P62 • ENDORSEMENT # 19 • This endorsement, effective: 12:01 a.m. April 1, 2007 forms a part of policy number 713-20-35 issued to MEMBERS OF THE ALLIANT CRIME INSURANCE PROGRAM (ACIP)(as endorsed) Member: CITY OF NORWALK by National Union Fire Insurance Company of Pittsburgh, Pa. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following: COMMERCIAL CRIME COVERAGE FORM COMMERCIAL CRIME POLICY EMPLOYEE THEFT AND FORGERY POLICY GOVERNMENT CRIME COVERAGE FORM GOVERNMENT CRIME POLICY A. Schedule' Name And Address Of Loss Payee COUNTY OF LOS ANGELES, COMMUNITY AND SENIOR SERVICES 3333 WILSHIRE BLVD, SUITE 400 LOS ANGELES, CA 90010 DEPARTMENT OF PUBLIC SOCIAL SERVICES, CONTRACT MANAGEMENT DIVISION 12900 CROSSROADS PARKWAY SOUTH, 2N0 FLOOR CITY OF INDUSTRY, CA 91746-3411 Information required to complete this Schedule, if not shown on this endorsement, will be shown in the Decla- rations. B. Provisions 1. You agree that any loss payable under this insurance shall be paid jointly to you and the Loss Payee shown in the Schedule as its inter- ests may appear and any such payment shall constitute payment to you. We agree that we will make all such payments jointly to you and the Loss Payee, and we will not make any payment solely to you unless we receive a re- quest in writing from the Loss Payee to make such payment to you. 2. This insurance is for your benefit only. It pro- vides no rights or benefits to any other person or organization including the Loss Payee, other than payment of loss as set forth in this en- dorsement. Any claim for loss that is covered under this in- surance must be presented by you. 3. Our liability under this insurance as extended by this endorsement shall not be cumulative. a a16 4 AUTHORIZED REPRESENTATIVE , 4, P63 • ENDORSEMENT # 20 This endorsement, effective: 12:01 a.m. April 1, 2007 • forms a part of policy number 713-20-35 issued to MEMBERS OF THE ALLIANT CRIME INSURANCE PROGRAM (ACIP)(as endorsed) Member: CITY OF WHEATLAND by National Union Fire Insurance Company of Pittsburgh, Pa. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following: COMMERCIAL CRIME COVERAGE FORM COMMERCIAL CRIME POLICY O POLICY FORGERY EMPLOYEE THEFT GOVERNMENT CRIME COVERAGE FORM GOVERNMENT CRIME POLICY A. Schedule' Name And Address of Loss Payee UNITED STATES OF AMERICA AND USDA RURAL DEVELOPMENT 150-1) CHUCK YEAGER WAY OROVILLE, CA 95965 - Information required to complete this Schedule, if not shown on this endorsement, will be shown in the Decla- 2. This insurance is for your benefit only. It pro- B. Provisions vides no rights or benefits to any other person 1. You agree that any loss payable under this or organization including the Loss Payee, other insurance shall be paid jointly to you and the than payment of loss as set forth in this an- Loss Payee shown in the Schedule as its inter- dorsement. ests may appear and any such payment shall Any claim for loss that is covered under this in. constitute payment to you. We agree that we surnce must be presented by you. will make all such payments jointly to you and the Loss Payee, and we will not make any 3. Our liability under this insurance as extended by this endorsement shall not be cumulative. payment solely to you unless we receive. a re- quest in writing from the Loss Payee to make such payment to you. AUTHORIZED REPRESENTATIVE CArn n7n P64 0 • ENDORSEMENT# 21 This endorsement, effective 12:01 am . Apri 1 1, 2007 forms a part of policy number pprrgg713-10-35EE issued to ROGR"D' Of T115 %asl~ rsed] INSURANCE by National Union fire insurance Company of Pittsburgh, Pa. THIRD PARTY COVERAGE - (NAME OF ENTITY) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following: COMMERCIAL CRIME POLICY GOVERNMENT CRIME POLICY PROVISIONS Solely with respect to EL CAMINO HOSPITAL, the policy is amended is amended as follows: 1. Clause A.1 Employee Theft is amended by adding the following at the end thereof: We will pay for loss of or damage to "Client Property" arising out of your indemnification of your "Client" for any dishonest or fraudulent act(s) committed by your "employee," but only when and to the extent that you are liable for such indemnification pursuant to the terms of this policy. 2. Clause F. Definitions is amended by adding the following at the end thereof: 21. "Client Property" means "Money," "Securities" or "Other Property": I1) owned by the Client; (2) held by the Client in any capacity; or (3) for which the client is legally liable. 22. "Client," as used in this endorsement, means any person, firm, corporation or association for whom your professional services have been charged. 3. Clause E. 1.o. Ownership Of Property; Interests Covered is deleted in its entirety and replaced with the following: The property covered under this policy is limited to property: &+Anv FIVD 21 P65 ENDORSEMEN" 21 (Continued) forms a part of This endorsement, effective 12:01 am April 1, 2007 policy number 713-20-35 issued to EMBERS Of THE ALsIA T CRIME INSURANCE eorsed) by National Union fire Insurance Company of Pittsburgh, Pa. (1) That you own or lease; (2) That you hold for others; or ity, whether or not you are legally liable, but also (3) That you hold in any capac may be property for which you are legally liable. Client property covered under this policy is limited to property: (1) owned by the Client; (2) held by the Client in any capacity; .(3) for which the Client is legally liable; Provided you are legally liable for such property and it is included in your proof of loss, in which event Clauses E.1.f and E.t.h., and any other condition applicable loss or claims with respect thereto, shall apply. 4. Clause D. 1. Exclusions is amended by adding the following at the end thereof: Loss attributable to fraudulent, dishonest. or criminal acts of any Client's proprietor, officer, director, partner or employee acting in collusion with your "employee." 5, Nothing herein contained shalt be held to vary, alter, waive, or extend any of the terms, limitations, conditions, or provisions of the attached policy other than as above stated. ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS REMAIN UNCHANGED. chin 91 AUT ORIZED REPR ATIVE P66 ENDORSEMENT 22 This endorsement, effective 12:01 am April 1, 2007 forms a part of policy number 713-10-35 issued to MEM ERR OF THE AeSl~oCRIME INSURANCE (ACIPI by National Union Fire Insurance Company of Pittsburgh, Pa. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COVERAGE TERRITORY ENDORSEMENT Payment of loss under this policy shall only be made in full compliance with all United States of America economic or trade sanction laws or regulations, including, limited'to, sanctions, laws and regulations administered and enforced by the U.S. Treasury Department's Office of Foreign Assets Control (°OFAC"). AUTHORIZED REPRESENTATIVE END 022 89644 (7/05) COPY Page 1 of 1 P67 • ENDORSEMENT# 23 li This endorsement, effective 12:01 am April 1, 2007 forms a' pert of policy number 713-20-35 issued to MEMBERS Of THE ALLIANT CRIME INSURANCE PROGRAM (ACIP) (as endorsed) by National Union fire Insurance Company of Pittsburgh, Pa. FORMS INDEX ENDORSEMENT The contents of the policy is comprised of the following forms:. EDITION, FORM NUMBER DATE I FORM' TITLE CRDS04 03/00 Gov Crime Policy Dec CR0027 05/06 Gov Crime Policy (Loss Sustained Form) CR0249 03/00 CALIFORNIA CHANGES MNSCPT ADDITIONAL NAMED INSURED CR2519 03/00 ADD FAITHFUL PERFORMANCE OF DUTY COVERAGE FOR GOVERNMENTAL EMPLOYEES MNSCPT REVISION OF DISCOVERY AND PRIOR THEFT OR DISHONESTY CANCELLATION OF POLICY AMENDED Penman 06/05 BONDED EMPLOYEES EXCLUSION DELETED ENDORSEMENT CR2520 03/00 ADD CREDIT, DEBIT OR CHARGE CARD FORGERY CR2509 03/00 ` INCLUDE VOLUNTEER WORKERS AS EMPLOYEES CR2507 I 103/00 INCLUDE SPECIFIED DIRECTORS OR TRUSTEES ON COMMITTEES AS EMPLOYEES CR2508 103/00 INCLUDE SPECIFIED NON COMPENSATED OFFICERS AS EMPLOYEES CR2506 03/00 INCLUDE CHAIRPERSON AND MEMBERS OF SPECIFIED COMMITTEES AS EMPLOYEES CR2512 03/00 INCLUDE TREASURER OR TAX COLLECTORS AS EMPLOYEES CR2540 03/00 INCLUDE EXPENSES INCURRED TO ESTABLISH AMOUND OF COVERED LOSS CR2502 03/00 INCLUDE DESIGNATED AGENTS AS EMPLOYEES CR2015 i 03/00 JOINT LOSS PAYABLE MNSCPT i JOINT LOSS PAYABLE MNSCPT JOINT LOSS PAYABLE MNSCPT JOINT LOSS PAYABLE MNSCPT I j JOINT LOSS PAYABLE END 023 P68 C ENDORSEMENT# 23 forms a part of This endorsement, effective 12:01 am Apri 1 1, 2007 policy number 713-20-35 AIE issued to pfR00RR5OF THE AeSI o~Re INSURANCE by National Union fire Insurance Company of Pittsburgh, Pa. FORMS INDEX ENDORSEMENT The contents of the policy is comprised of the following forms: rED FORM TITLE FORM NUMBER MNSCPT OSS PAYABLE MNSCPT ARTY COVERAGE - (NAME OF ENTITY) 89644 E TERRITORY ENDORSEMENT (OFAC) ndex Endorsement 78859 of Los Alamitos City MNSCPT AP $2265 MNSCPT 18 MNSCPT 0 CAPITAL AREA DEVELOPMENT MNSCPT AP $1112 EASTERN SIERRA TRANSITY AUTHORITY MNSCPT RP $84 ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS REMAIN UNCHANGED. AUTHORIZED REPRESENTATIVE END 023 P69 0 POLICYHOLDER NOTICE E Thank you for purchasing insurance, from a member company of American International Group, Inc. (AIG). The AIG member companies generally pay compensation to brokers and independent agents, and may have paid compensation in connection with your policy. You can review and obtain information about the nature and range of compensation paid by AIG member companies to brokers and independent agents in the United States by visiting our website at www.aigproducercompensation.com or by calling AIG at 1-500-706-3102. 91222 (7106) P70