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Business Risk Partners <br />h'M "I -6%A1 <br />PROFESSIONAL LIABILITY INSURANCE POLICY — <br />UNDERWRITTEN BY UNDERWRITERS AT LLOYD'S <br />THIS IS A CLAIMS MADE AND REPORTED POLICY - PLEASE READ CAREFULLY. <br />DECLARATIONS <br />ITEM 1. <br />NAMED INSURED: <br />Barbara Echan <br />ADDRESS: <br />3056 Madeira Avenue <br />Costa Mesa, CA 92626 <br />ITEM 2. <br />POLICY PERIOD: <br />EFFECTIVE FROM 05/0112009 to 05/0112010 (AT 12:01 A.M. STANDARD TIME AT OF <br />NAMED INSURED AS STATED HEREIN.) <br />ITEM 3. <br />LIMITS OF LIABILITY: <br />(A) $1,000,000.00 each Claim including Loss and Claims Expenses, but in no event <br />exceeding, <br />(B) $1,000,000.00 in the Aggregate for all Claims, including Loss and Claims <br />Expenses <br />ITEM 4. <br />DEDUCTIBLE: <br />$5,000.00 per Claim, including Loss and Claims Expenses <br />ITEM 5. <br />PREMIUM: <br />$497 <br />ITEM 6. <br />RETROACTIVE DATE: <br />05/0112007 <br />ITEM 7. <br />PROFESSIONAL SERVICES: Solely in the performance of providing Alternative Dispute Resolution services for <br />others for a fee. <br />ITEM 8. <br />NOTICES: <br />Notices required to be given to the Insurers under the Policy shall be addressed to: <br />Business Risk Partners, Inc. <br />1 Waterside Crossing, Suite 302 <br />Windsor, CT 06095 <br />ITEM 9. POLICY NUMBER: 0510 - 001224038 <br />ITEM 10. AGENTIBROKER: E.L.M. Insurance Brokers, Inc. <br />ITEM 11. ENDORSEMENTS: <br />1. Nuclear Incident Exclusion <br />2. Service of Suit Clause (U.S.A.) <br />3. Several Liability Notice <br />4. War and Civil War Exclusion <br />5. War and Terrorism Exclusion Endorsement <br />6. Radioactive Contamination Exclusion Clause Liability Direct <br />7. Notice of Cancellation - ADR <br />8. Asbestos Exclusion <br />9. Extended Reporting Period Endorsement 100% -125% Bilateral <br />NOTICE: THIS IS A CLAIMS MADE AND REPORTED POLICY. EXCEPT AS MAY OTHERWISE BE PROVIDED HEREIN, THE COVERAGE OF THIS POLICY IS <br />LIMITED TO LIABILITY FOR WRONGFUL ACTS COMMITTED SUBSEQUENT TO THE RETROACTIVE DATE, IF APPLICABLE, FOR WHICH CLAIMS ARE <br />FIRST MADE AGAINST THE INSURED WHILE THE POLICY IS IN FORCE AND WHICH ARE REPORTED TO THE COMPANY NO LATER THAN SIXTY (60) <br />DAYS AFTER THE TERMINATION OF THE POLICY. THE COVERAGE OF THIS POLICY DOES NOT APPLY TO CLAIMS FIRST MADE AGAINST THE <br />INSURED AFTER THE TERMINATION OF THE POLICY UNLESS AN EXTENDED REPORTING PERIOD APPLIES. <br />-------T'HE LIMITS- OF- LIABIL7TYAVAILABLETO -PAY- LOSS,— AS- DEFINEDIN THE POLICY; SHALL BE REDUCED-BY-AMOUNTS-INCURRED-FOR CLAIMS---- - <br />EXPENSES. FURTHER NOTE THATAMOUNTS INCURRED FOR CLAIMS EXPENSES AND LOSS SHALL ALSO BE APPLIED AGAINST THE DEDUCTIBLE <br />AMOUNT. j <br />AUTHORIZED REPRESENTATIVE: j DATE: 05/04/2009 <br />Lisa Doherty President <br />