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Business Risk Partners <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 />ITEM 1. NAMED INSURED: Betsy Benton <br />ADDRESS: 422 West Santa Clara Avenue <br />Santa Ana, CA 92706 , <br />ITEM 2_ POLICY PERIOD: 1 EFFECTIVE FROM 11/D712t1I9t3 to 11107f2D199 (AT 12:01 A.M. STANDARD TIME AT OF <br />NAMED INSURED AS STATED HEREIN.) <br />ITEM 3. LIMITS OF LIABILITY: (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. DEDUCTIBLE: $5,000.00 per Claim, including Loss and Claims Expenses <br />ITEM 5. PREMIUM: $497 <br />ITEM 6. RETROACTIVE DATE: 11/07/2008 <br />ITEM 7. PROFESSIONAL SERVICES: Solely in the performance of providing Alternative Dispute Resolution Services for <br />others for a fee. <br />ITEM B. NOTICES: 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: 1109 -00129742A <br />ITEM 10. AGENTBROKER: 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 1S 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 />THE LIMITS OF LIABILITY AVAILABLE TO PAY LOSS, AS DEFINED IN THE POLICY, SHALL BE REDUCED BY AMOUNTS INCURRED FOR CLAIMS <br />EXPENSES. FURTHER NOTE THAT AMOUNTS INCURRED FOR CLAIMS EXPENSES AND LOSS SHALL ALSO BE APPLIED AGAINST THE DEDUCTIBLE <br />AMOUNT. <br />AUTHORIZED REPRESENTATIVE: U <br />DATE: 11/12/2008 <br />Lisa Doherty President <br />