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THIS IS A CLAIMS -MADE POLICY WHICH APPLIES ONLY TO CLAIMS FIRST MADE AND REPORTED TO THE <br />INSURER DURING THE POLICY PERIOD OR EXTENDED REPORTING PERIOD, IF APPLICABLE. DEFENSE <br />EXPENSES ARE PAID IN ADDITION TO THE LIMIT OF LIABILITY UNDER INSURING AGREEMENT I(A). <br />HOWEVER, THE LIMIT OF LIABILITY AVAILABLE TO PAY DAMAGES OR SETTLEMENTS UNDER INSURING <br />AGREEMENT I(B) WILL BE REDUCED AND MAY BE EXHAUSTED BY THE PAYMENT OF DEFENSE EXPENSES. <br />PLEASE READ AND REVIEW THE POLICY CAREFULLY, <br />THIS POLICY ONLY PROVIDES COVERAGE IF THE NAMED INSURED QUALIFIES AS A "CLAIMS -FREE <br />ACCOUNT," AS DEFINED IN SECTION III. DEFINITIONS OF THE POLICY. <br />Hodges Lacey & Associates, LLC <br />19647 Valley View Drive <br />Topanga, CA 90290 <br />(a) inception Date: 06/28/2013 <br />(b) Expiration Date: 05/28/2014 <br />Al 12:01AM Standard Time at the Malting Address Shown Above <br />Limits of Liability: <br />(a) $1,000,000 PL Limit of Liability - Insurer's Maximum Limit of Liability for all Loss from each Claim under <br />Insuring Agreement I(A). <br />(b) $1,000,000 PL Limit of Liability - insurer's Maximum Limit of Liability for all Loss from all Claims under <br />Insuring Agreement I(A). <br />(c) NIA EPL Limit of Liability - Insurer's Maximum Limit of liability for all Loss and Defense <br />Expenses from each Claim under Insuring Agreement 1(B). <br />(d) NIA EPL Limit of Liability - Insurer's Maximum Limit of Liability for all Loss and Defense <br />Expenses from all Claims under Insuring Agreement I(B). <br />(e) $500,000 Insurer's maximum Limit of Liability for all punitive, exemplary and multiplied damages, <br />each Claim and in the aggregate for all Claims, under Insuring Agreement I(A). Subject to <br />the per Clain and aggregate Limits of Liability set forth in Items 3(a) and (b) above. <br />(f) NIA Insurer's maximum Limit of Liability for all punitive, exemplary and multiplied damages, <br />each Claim and in the aggregate for all Claims, under Insuring Agreement I(B). Subject to <br />the per Claim and aggregate Limits of Liability set forth in Items 3.(c) and (d) above. <br />DRWN E3005 020071 <br />APPROV! AS '113 <br />_ -- <br />Asslslb111 <br />