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<br />~lVI. <br /> <br />E.L.M. INSURANc:E BROKERS! INC <br />1990 EAST GRAND AVE, SUITE 210 I EL SEGUNDO, CA 90245 <br /> <br />-i.l b1 . l! r( <br />N -,;J.OD f? - OD5 <br />TEL (310) 322-1301 <br />FAX (310) 322-1302 <br />CA L1C # 0028706 <br /> <br />.. <br /> <br />5/8/08 <br /> <br />BINDER # 36701,01 <br /> <br />Page 1 of2 <br /> <br />INSURED: Barbara Echan <br />3056 Madena Ave <br />Costa Mesa, CA 92626 <br /> <br />AGENT: E.L.M. Insurance Brokers Inc <br />1990 E Grand Ave suite 210 <br />EI Segundo, CA 90245 <br /> <br />Binder is effective from 12:01 AM 05/01/08 to 12:01 AM 07/27/08 unless cancelled or replaced by the Policy. <br />Policy is effective from 12:01 AM 05/01/08 to 12:01 AM 05/01/09. <br /> <br />This is to certify that, in accordance with your instructions, we have bound coverage as follows: <br /> <br />COMPANY: Certain Underwriters at Lloyds, London <br /> <br />POLICY NO: <br /> <br />0509-00122403A <br /> <br />AM BEST: A, XV <br /> <br />COVERAGE: Miscellaneous Professional Liability <br /> <br />COVERED Alternative Dispute Resolution services for others for a fee. <br />SERVICES: <br /> <br />RETRO DATE: 5/1/07 <br /> <br />LIMITS: $1,000,000 per claim limit <br />$1,000,000 aggregate limit <br /> <br />DEDUCTIBLE: $5,000 per claim <br /> <br />CONDITIONS: Defense expenses are INSIDE policy limits. <br />Deductibles apply to loss and claim expense. <br /> <br />SUBJECT TO: Carrier's receipt of premium <br /> <br />.. ~-~) ~t....l <br />j .'~. -., :"" . <br /> <br />~o -bG1----- <br />-" ., <br />- . <br />....- . -., ,- "" <br />,. ' "" , '.'~ <br /> <br />FORMS: <br /> <br />BRP MPL policy form <br />Nuclear Incident Exclusion <br />Service of Suit Clause (U.S.A.) <br />Several Liability Notice <br />War and Civil War Exclusion <br />War and Terrorism Exclusion Endorsement <br />Radioactive Contamination Exclusion Clause Liability Direct <br />Notice of Cancellation - ADR <br />Asbestos Exclusion <br />Extended Reporting Period Endorsement 100% - 125% Bilateral <br /> <br />PAYMENT <br />TERMS: <br /> <br />If you have not been previously provided with a copy of the policy form and endorsements, specimens <br />are enclosed or will be provided at your request. Please read them carefully. <br /> <br />Option 1 - Payment in full: PLUS any quoted and fees are due upon receipt of our invoice. Save <br />postage and overnight charges! PAY BY FAX with ELM - see attached form. <br /> <br />Option 2 - Financing: 25% down PLUS any quoted and fees are due upon receipt of our invoice. You <br />can use your own finance company (copy of the finance agreement is required at binding), or we can <br />provide you with an excellent financing quote with same-day draft authority through IBEX Financial <br />Services. Please advise if you are interested. <br /> <br />The following must be received if you use your own finance company: <br /> <br />1. A signed copy of your finance agreement listing ELM Insurance Brokers, Inc. as the Wholesaler - <br />