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E.L.M. INSURANCE BROKERS, INC TEL (310) 322 -1301 <br />IFI FAX (310) 32 <br />1990 EAST GRAND AVE, SUITE 210 / EL SEGUNDO, CA 90245 <br />CA LIC # OD28706 8706 <br />1/5/10 BINDER # 46749.01 Page 1 of 3 <br />INSURED: Betsy Benton <br />422 W. Santa Clara Avenue <br />Santa Ana, CA 92706 <br />AGENT: ELM Insurance Brokers Inc <br />1990 E Grand Ave suite 210 <br />El Segundo, CA 90245 <br />Binder is effective from 12:01 AM 01101/10 to 12:01 AM 03/29/10 unless cancelled or replaced by the Policy. <br />Policy is effective from 12:01 AM 01 /01 /10 to 12:01 AM 01 /01 /11. <br />This is to certify that, in accordance with your instructions, we have bound coverage as follows: <br />COMPANY: Certain Underwriters at Lloyds, London POLICY NO: 0000- 00138402A <br />AM BEST: A, XV <br />COVERAGE: Miscellaneous Professional Liability <br />COVERED Alternative Dispute Resolution Services for others for a fee. <br />SERVICES: <br />RETRO DATE: 1/1/10 <br />LIMITS: 1,000,000 per claim limit <br />1,000,000 aggregate limit <br />DEDUCTIBLE: 5,000 per claim <br />CONDITIONS: Defense expenses are INSIDE policy limits. <br />Deductibles apply to loss and claim expense. <br />SUBJECT TO: Carrier's receipt of prmeium <br />FORMS: BRP MPL policy form including: <br />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 />TO FORM <br />I- k <br />- 10 <br />Hodge <br />ty Attorney <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 />PAYMENT Option 1 - Payment in full: PLUS any quoted fees are due upon receipt of our invoice. Save postage <br />TERMS: and overnight charges! PAY BY FAX with ELM - see attached form. <br />Option 2 - Financing: 25% down PLUS any quoted fees are due upon receipt of our invoice. You can <br />use your own finance company (copy of the finance agreement is required at binding), or we can provide <br />you with an excellent financing quote with same -day draft authority through IBEX Financial Services. <br />Please advise if you are interested. <br />The following must be received if you use your own finance company: <br />