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Mar.11.2014 04:04 PM Eric W. Gruver, Ph.D. 17145444996 PAGE. 1/ ERIC WAYNE GRIIVER, PH.D. 2021 E 4TH STREET SUITE 116 SANTA ANA, CA 92705 ADMINISTERED BY: AMERICAN PROFESSIONAL AGENCY, INC. 95 Broadway, Amityville, NY 11701 800- 421 -6694 K 631 - 691 -6400 NOTICE: THIS POLICY PROVIDES CLAIMS MADE COVERAGE. A LOWER LIMIT OF LIABILITY APPLIES TO JUDGMENTS OR SETTLEMENTS WHEN THERE ARE ALLEGATIONS OF SEXUAL MISCONDUCT (SEE THE SPECIAL PROVISION "SEXUAL MISCONDUCT" IN THE POLICY). PLEASE REVIEW THIS POLICY CAREFULLY AND DISCUSS THE COVERAGE WITH YOUR LEGAL OR INSURANCE ADVISOR. We provide this Policy in consideration of the full payment of all premiums when due and In reliance upon the truthfulness of all of the statements in the application. The Policy consists of a Declarations Page, Insuring Agreement, Exclusions, Definitions and Coverage Conditions, and may also contain one or more endorsements. Endorsements alter the Policy. Terms printed in bold type have meanings referenced, In whole or in part, elsewhere in the Policy. Please read the Policy and all the endorsements carefully to determine what is and what is not covered, as well as the rights and duties of the parties under the Policy. Subject to the applicable limits and all terms, conditions and exclusions of this Policy, We and You agree as follows: 1. WHAT THIS POLICY COVERS: A. Pavcholoviists' Professional Liability: We will pay on Your behalf, and subject to Our applicable limit of Liability, amounts You are legally required to pay to others as judgments (including pre- and post - judgment Interest) or settlements as the result of any Claim first made against You during the Policy Period for Your Wrongful Acts, or for the Wrongful Acts of others for whom You are legally responsible. The Wrongful Act must be in the conduct of Your profession as a Psychologist and must take place on or after the Retroactive Data specified in the Declarations. S. Premises Liability: We will pay on Your behalf and subject to Our applicable Limit of Liability, amounts You are legally required to pay to others as judgments (including pre- and post - judgment interest) or settlements as the result of any Claim first made against You during the Policy Period for Bodily Injury or Property Damage caused by an Occurrence which takes place on the premises used principally in Your practice as a Psychologist and which takes place on or after the Retroactive Date specified In the Declarations. C- Costa Belated to Proceedings: We will reimburse to You reasonable costs You Incur, including reasonable fees charged by an attorney representing You, in the investigation or defense of any Proceeding arising from Your profession as a Psychologist and first brought during the Policy Period. The amount shown in Item 4(b) of the Declarations is the most We will reimburse to You in connection with any single Proceeding under this Policy Section I.C. II. ADDITIONAL BENEFITS: We will provide the following benefits in addition to the Limits of Liability applicable to Policy Sections I.A. and I.B. With respect to any Claim, and subject to Section V., these benefits end after the Limits of Liability applicable to that C im has been used up In paying judgments (including pre- or post - judgment interest) or settlements. _ K DRGE2000 (3/2006) -1- RECEIVE: NO.1528 03/11/20147TUE 02:47PM R