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NOTICE: <br />1. THE INSURANCE POLICY THAT YOU HAVE PURCHASED IS <br />BEING ISSUED BY AN INSURER THAT IS NOT LICENSED BY <br />THE STATE OF CALIFORNIA. THESE COMPANIES ARE <br />CALLED "NONADMITTED" OR "SURPLUS LINE" INSURERS. <br />2. THE INSURER IS NOT SUBJECT TO THE FINANCIAL <br />SOLVENCY REGULATION AND ENFORCEMENT THAT APPLY <br />TO CALIFORNIA LICENSED INSURERS. <br />3. THE INSURER DOES NOT PARTICIPATE IN ANY OF THE <br />INSURANCE GUARANTEE FUNDS CREATED BY CALIFORNIA <br />LAW. THEREFORE, THESE FUNDS WILL NOT PAY YOUR <br />CLAIMS OR PROTECT YOUR ASSETS IF THE INSURER <br />BECOMES INSOLVENT AND IS UNABLE TO MAKE <br />PAYMENTS AS PROMISED. <br />4. THE INSURER SHOULD BE LICENSED EITHER AS A FOREIGN <br />INSURER IN ANOTHER STATE IN THE UNITED STATES OR AS <br />A NON-UNITED STATES (ALIEN) INSURER. YOU SHOULD <br />ASK QUESTIONS OF YOUR INSURANCE AGENT, BROKER, OR <br />"SURPLUS LINE" BROKER OR CONTACT THE CALIFORNIA <br />DEPARTMENT OF INSURANCE AT THE FOLLOWING <br />TOLL-FREE TELEPHONE NUMBER: 1-800-927-4357. ASK <br />WHETHER OR NOT THE INSURER IS LICENSED AS A <br />FOREIGN OR NON-UNITED STATES (ALIEN) INSURER AND <br />FOR ADDITIONAL INFORMATION ABOUT THE INSURER. <br />YOU MAY ALSO CONTACT THE NAIC'S INTERNET WEB SITE <br />AT WWW.NAIC.ORG. <br />5. FOREIGN INSURERS SHOULD BE LICENSED BY A STATE IN <br />THE UNITED STATES AND YOU MAY CONTACT THAT <br />STATE'S DEPARTMENT OF INSURANCE TO OBTAIN MORE <br />INFORMATION ABOUT THAT INSURER. <br />6. FOR NON-UNITED STATES (ALIEN) INSURERS, THE INSURER <br />SHOULD BE LICENSED BY A COUNTRY OUTSIDE OF THE <br />UNITED STATES AND SHOULD BE ON THE NAIL'S <br />INTERNATIONAL INSURERS DEPARTMENT (IID) LISTING OF <br />APPROVED NONADMITTED NON-UNITED STATES INSURERS. <br />ASK YOUR AGENT, BROKER OR "SURPLUS LINE" BROKER TO <br />OBTAIN MORE INFORMATION ABOUT THAT INSURER. <br />binders*138