Common use of Extended Reporting Period Clause in Contracts

Extended Reporting Period. A. An EXTENDED REPORTING PERIOD means the one (1) year period immediately following the end of the POLICY PERIOD. Any CLAIM which is first made and reported against the INSURED during the EXTENDED REPORTING PERIOD because of a WRONGFUL EMPLOYMENT ACT which occurred after the Retroactive Date and prior to the end of the POLICY PERIOD shall be deemed to have been made on the last day of the POLICY PERIOD. B. The coverage otherwise afforded under this Policy will be extended to apply to the EXTENDED REPORTING PERIOD, subject to all of the terms, conditions, limitations and endorsements of this Policy, for CLAIMS first made and reported against any INSURED during the EXTENDED REPORTING PERIOD for WRONGFUL EMPLOYMENT ACTS occurring subsequent to the Retroactive Date and before the expiration of the POLICY PERIOD. C. The additional premium for the EXTENDED REPORTING PERIOD will be the amount set forth in Item 7 of the Declarations. The COMPANY must notify the INSURER in writing of the decision to purchase an EXTENDED REPORTING PERIOD, and must pay the additional premium, within thirty (30) days after the end of the POLICY PERIOD. Payment of the full additional premium by the due date is a condition precedent to the right to purchase an EXTENDED REPORTING PERIOD. D. The maximum aggregate Limit of Liability set forth in Item 3 of the Declarations shall be the maximum aggregate Limit of Liability for the POLICY PERIOD and, if applicable, the EXTENDED REPORTING PERIOD. The maximum aggregate Limit of Liability of the Policy is not increased, reinstated or renewed as a result of the applicability of any EXTENDED REPORTING PERIOD. E. The EXTENDED REPORTING PERIOD will apply only if this Policy is canceled by either the COMPANY or the INSURER pursuant to Section VIII, or not renewed by the INSURER for any reason other than the nonpayment of a premium or Retention, or noncompliance with the terms and conditions of this Policy by the COMPANY. An increase in premium or other changes in the terms and conditions of this coverage shall not constitute a non-renewal for the purpose of this provision. The EXTENDED REPORTING PERIOD may not be canceled. F. In the event of the purchase of the EXTENDED REPORTING PERIOD, the entire premium shall be deemed earned at its commencement. If the EXTENDED REPORTING PERIOD is terminated before its full term for any reason, the INSURER shall not be liable to return any portion of the premium paid for the EXTENDED REPORTING PERIOD.

Extended Reporting Period. A. An EXTENDED REPORTING PERIOD means In the one event of non-renewal or cancellation of this Policy, either by the Company for any reason other than for non payment of premium or by the Insured, the Company will allow a time limit not exceeding 30 days from the date of expiry or cancellation of the Policy, provided no insurance is in force during this extended reporting period for the same interest, but only for notification of claims for any Wrongful Act which had taken place during the Period of Insurance but claims thereof could not be made during the Policy Period. In case Insured request the extended reporting period to be longer than thirty (130) year period immediately days, the same may be agreed and the Company shall receive the written notice of such election by the Insured together with payment of the additional premium due within thirty (30) days following the end effective date of the POLICY PERIODtermination or nonrenewal. Any CLAIM which is first All claims made and reported against the INSURED during the EXTENDED REPORTING PERIOD because of a WRONGFUL EMPLOYMENT ACT which occurred after the Retroactive Date and prior to the end of the POLICY PERIOD extended reporting period shall be deemed to have been handled as if they were made on the last day of the POLICY PERIOD.expiring Policy Period and are subject to the Limit of Indemnity and the terms, conditions and exceptions of the Policy. The extended reporting period B. The a. does not extend the Policy Period or change the scope of coverage otherwise afforded under this Policy will be extended to provided; b. does not reinstate or increase the Limit of Indemnity; c. does not apply to claims that are covered under any subsequent insurance the EXTENDED REPORTING PERIODInsured purchase, or that would be covered but for exhaustion of the amount of insurance applicable to such claims. The offer of renewal term and conditions or premiums different from those in effect prior to renewal shall not constitute refusal to renew. 12 CROSS LIABILTY Where Insured comprises of more than one entity or person, each entity or person indemnified is separately indemnified in respect of claims made against any of them by any other person or party (other than the named Insured) subject to the Company's total liability not exceeding the Limit of Indemnity stated in the Policy Schedule. 13 DEFENCE COST Subject to all of the terms, conditions, limitations and endorsements of this Policy, for CLAIMS first made and reported against any INSURED during the EXTENDED REPORTING PERIOD for WRONGFUL EMPLOYMENT ACTS occurring subsequent to the Retroactive Date and before the expiration of the POLICY PERIOD. C. The additional premium for the EXTENDED REPORTING PERIOD will be the amount set forth in Item 7 of the Declarations. The COMPANY must notify the INSURER in writing of the decision to purchase an EXTENDED REPORTING PERIOD, and must pay the additional premium, within thirty (30) days after the end of the POLICY PERIOD. Payment of the full additional premium by the due date is a condition precedent to the right to purchase an EXTENDED REPORTING PERIOD. D. The maximum aggregate Limit of Liability set forth in Item 3 of the Declarations shall be the maximum aggregate Limit of Liability for the POLICY PERIOD and, if applicable, the EXTENDED REPORTING PERIOD. The maximum aggregate Limit of Liability of the Policy is not increased, reinstated or renewed as a result of the applicability of any EXTENDED REPORTING PERIOD. E. The EXTENDED REPORTING PERIOD will apply only if this Policy is canceled by either the COMPANY or the INSURER pursuant to Section VIII, or not renewed by the INSURER for any reason other than the nonpayment of a premium or Retention, or noncompliance with the terms and conditions of this Policy insurance the Company will pay all costs, fees and expenses incurred by the COMPANY. An increase Insured with prior consent of the Company in premium the investigation, defence or settlement of any claim made against the Insured and the costs of representation at any inquest, inquiry or other changes proceedings in respect of matters which have a direct relevance to any claim made or which might be made against the Insured, provided such claim or claims are the subject of indemnity by the Policy. Such costs, fees and expenses are called `Defence Cost' and it shall serve to reduce the Limit of Indemnity of this Policy as stated in the terms and conditions of this coverage shall not constitute a non-renewal for the purpose of this provisionPolicy Schedule. The EXTENDED REPORTING PERIOD may Company’s obligations hereunder end when the Company has used up the applicable Limit of Indemnity. 14 ADVANCEMENT OF DEFENCE COST In case Loss covered by this Policy and loss not be canceled. F. In covered by this Policy both are incurred, either because a Claim against the event of Insured Persons includes both covered and uncovered matters or because a Claim is made against both an Insured Person and others, including the purchase of the EXTENDED REPORTING PERIODInsured Organisation, the entire premium Insured and the Company shall be deemed earned at its commencementallocate such amount between covered Loss and uncovered loss based upon the relative legal exposures of such parties to such matters. If the EXTENDED REPORTING PERIOD Insured and the Company agree on an allocation of Defence Cost the Company shall advance on a current basis Defence Cost allocated to covered Loss. If the Insured and the Company cannot agree on an allocation: (a) no presumption as to allocation shall exist in any arbitration, suit or other proceeding; (b) the Company shall advance on a current basis Defence Cost which the Company believes to be covered under this Policy until a different allocation is terminated before its full term for negotiated, arbitrated or judicially determined; (c) the Company, if requested by the Insured, shall submit the dispute to binding arbitration in accordance with Clause 21.26 of this Policy. Any negotiated, arbitrated or judicially determined allocation of Defence Cost on account of a Claim shall be applied retroactively to all Defence Cost on account of such Claim, notwithstanding any reason, prior advancement to the INSURER contrary. Any allocation or advancement of Defence Cost on account of a Claim shall not be liable apply to return or create any portion presumption with respect to the allocation of the premium paid for the EXTENDED REPORTING PERIODother Loss on account of such Claim.

Extended Reporting Period. A. An EXTENDED REPORTING PERIOD means In the one (event of cancellation or non-renewal of this insurance by the Named Insured designated in Item 1) year period immediately following the end . of the POLICY PERIODDeclarations, or by the Underwriters, the Named Insured shall have the right, upon payment in full and not proportionally or otherwise in part of the percentage shown in Item 6.a. Any CLAIM which is of the Declarations of the full Premium set forth in item 5 of the Declarations, to have issued an endorsement providing an Extended Reporting Period for the period of time set forth in Item 6.b. for Claims first made against any Insured during the Policy Period and reported against in writing to the INSURED Underwriters during the EXTENDED REPORTING PERIOD because Extended Reporting Period, and arising out of a WRONGFUL EMPLOYMENT ACT which occurred any act, error or omission, incidents or events committed on or after the Retroactive Date and prior to the end of the POLICY PERIOD shall be deemed to have been made on the last day of the POLICY PERIOD. B. The coverage otherwise afforded under this Policy will be extended to apply to the EXTENDED REPORTING PERIOD, subject to all of the terms, conditions, limitations and endorsements of this Policy, for CLAIMS first made and reported against any INSURED during the EXTENDED REPORTING PERIOD for WRONGFUL EMPLOYMENT ACTS occurring subsequent to the Retroactive Date and before the expiration end of the POLICY PERIOD. C. The Policy Period subject to the conditions set forth herein. In order for the Named Insured to invoke the Extended Reporting Period option, the payment of the additional premium for the EXTENDED REPORTING PERIOD will be the amount set forth in Item 7 of herein must be paid to the Declarations. The COMPANY must notify the INSURER in writing of the decision to purchase an EXTENDED REPORTING PERIOD, and must pay the additional premium, Underwriters within thirty (30) days after the end of the POLICY PERIOD. Payment of the full additional premium by the due date is a condition precedent to the right to purchase an EXTENDED REPORTING PERIODnon-renewal or cancellation. D. B. The maximum aggregate Limit of Liability set forth in Item 3 of the Declarations shall be the maximum aggregate Limit of Liability for the POLICY PERIOD andExtended Reporting Period shall be part of, if applicable, and not in addition to the EXTENDED REPORTING PERIOD. The maximum aggregate Underwriters’ Limit of Liability of for the Policy is Period for each tower. The Extended Reporting Period does not increased, reinstated or renewed as a result of the applicability of any EXTENDED REPORTING PERIOD.apply to Insuring Agreement I.C. E. C. The EXTENDED REPORTING PERIOD will apply only if this Policy is canceled by either the COMPANY or the INSURER pursuant to Section VIII, or not renewed quotation by the INSURER for any reason other than the nonpayment Underwriters of a different premium or Retention, Deductible or noncompliance with the terms and conditions Limit of this Policy by the COMPANY. An increase in premium Liability or other changes in Policy language for the terms and conditions purpose of this coverage renewal shall not constitute a refusal to renew by the Underwriters. D. The right to the Extended Reporting Period shall not be available to the Named Insured where cancellation or non-renewal for by the purpose Underwriters is due to non-payment of this provisionpremium or failure of an Insured to pay such amounts in excess of the applicable Limit of Liability or within the applicable Deductible. E. All notices and premium payments with respect to the Extended Reporting Period shall be directed to the Underwriters through the entity named in Item 8. The EXTENDED REPORTING PERIOD may not be canceledof the Declarations. F. In At the event commencement of the purchase of the EXTENDED REPORTING PERIODExtended Reporting Period, the entire premium shall be deemed earned at its commencement. If earned, and in the EXTENDED REPORTING PERIOD is terminated before its full term event the Named Insured terminates the Extended Reporting Period for any reasonreason prior to its natural expiration, the INSURER shall Underwriters will not be liable to return any portion of the premium paid for the EXTENDED REPORTING PERIODExtended Reporting Period.

Extended Reporting Period. A. An EXTENDED REPORTING PERIOD means If the one (1) year period immediately following the end of the POLICY PERIOD. Any CLAIM which is first made and reported against the INSURED during the EXTENDED REPORTING PERIOD because of a WRONGFUL EMPLOYMENT ACT which occurred after the Retroactive Date and prior to the end of the POLICY PERIOD shall be deemed to have been made on the last day of the POLICY PERIOD. B. The coverage otherwise afforded under Insured does not renew or replace this Policy will be extended to apply to the EXTENDED REPORTING PERIOD, subject to all of the terms, conditions, limitations and endorsements of this Policy, for CLAIMS first made and reported against any INSURED during the EXTENDED REPORTING PERIOD for WRONGFUL EMPLOYMENT ACTS occurring subsequent to the Retroactive Date and before the expiration of the POLICY PERIOD. C. The additional premium for the EXTENDED REPORTING PERIOD will be the amount set forth in Item 7 of the Declarations. The COMPANY must notify the INSURER in writing of the decision to purchase an EXTENDED REPORTING PERIOD, and must pay the additional premium, within thirty (30) days after the end of the POLICY PERIOD. Payment of the full additional premium by the due date is a condition precedent to the right to purchase an EXTENDED REPORTING PERIOD. D. The maximum aggregate Limit of Liability set forth in Item 3 of the Declarations shall be the maximum aggregate Limit of Liability for the POLICY PERIOD and, if applicable, the EXTENDED REPORTING PERIOD. The maximum aggregate Limit of Liability of the Policy is not increased, reinstated or renewed as a result of the applicability of any EXTENDED REPORTING PERIOD. E. The EXTENDED REPORTING PERIOD will apply only if this Policy is canceled by either the COMPANY or the INSURER pursuant to Section VIIIinsurance, or not renewed by if the INSURER Insurer cancels or refuses to renew this policy for any reason reasons other than the nonpayment of a premium or Retention, Deductible or noncompliance with the terms and conditions of this Policy policy or fraud or material misrepresentation, upon the payment of an additional premium, the Insured shall have the option to extend the period by which a Claim can be made against the COMPANYInsured and reported to the Insurer. An increase The Insured’s right to purchase the Optional Extended Reporting Period must be exercised by notice in premium writing not later than thirty (30) days after the cancellation or other changes in the terms and conditions termination date of this coverage policy. Effective notice must indicate the total Optional Extended Reporting Period desired AND MUST INCLUDE PAYMENT OF PREMIUM FOR SUCH PERIOD. If such notice and the premium are not mailed to us within thirty (30) days, then the shall not constitute at a non-renewal later date be entitled to purchase an Optional Extended Reporting Period The premium for the purpose Optional Extended Reporting Period shall be determined by charging (1) 100% of the annual premium for twelve (12) months, (2) 135% for twenty-four (24) months, or (3) 180% for thirty- six (36) months. The purchase of an Optional Extended Reporting Period shall be endorsed herein. The fact that the period during which Claims can be made against the Insured and reported to the Insurer is extended by virtue of the Optional Extended Reporting Period shall not in any way increase the Limits of Liability as shown in Item 3 of the Declarations of this provisionpolicy. The EXTENDED REPORTING PERIOD may not be canceled. F. In At the event commencement of the purchase of the EXTENDED REPORTING PERIODany Optional Extended Reporting Period, the entire premium therefore shall be deemed earned at its commencement. If fully earned, and in the EXTENDED REPORTING PERIOD is terminated event the Insured terminates the Optional Extended Reporting Period before its full term for any reason, the INSURER we shall not be liable obligated to return to you any portion of the premium paid for premium. The Insurer’s liability shall further be limited to cover only those Claims or Claim Expenses which arise out of the EXTENDED REPORTING PERIODInsured providing or failing to provide Professional Services prior to the expiration date of the Policy Period or any earlier termination date, if applicable, and prior to the Optional Extended Reporting Period. Bringing of suits by more than one person or organization does not increase the Insured’s Limit of Liability. Two or more Claims arising out of a single negligent act, error or omission or a series of related negligent acts, errors or omissions shall be treated as a single Claim, and shall be subject to one Limit of Liability and only one Deductible. All such Claims, whenever made, shall be considered first made on the date on which the earliest Claim was first made.

Extended Reporting Period. A. An EXTENDED REPORTING PERIOD means With respect to the one Liability Coverage Parts: (A) If this Policy does not renew or otherwise terminates for a reason other than for failure to pay premium (each a “Termination of Coverage”), then an Insured shall have the right to purchase an Extended Reporting Period for the Additional Period and Additional Premium set forth in Item 5 of the GTC Declarations. (B) In the event of a Termination of Coverage and upon request from an Insured, the Company shall, in its sole discretion, provide a quote for Additional Periods other than as set forth in Item 5, Extended Reporting Period, of the GTC Declarations. Any such additional quote offered shall be subject to such Additional Premium as the Company may require. (C) The offer of renewal terms and conditions or premiums different from those in effect prior to renewal shall not constitute refusal to renew. (D) This right to purchase an Extended Reporting Period shall lapse unless written notice of election to purchase the Extended Reporting Period, together with payment of the applicable Additional Premium, is received by the Company within sixty (60) days after the effective date of the Termination of Coverage. (E) If an Extended Reporting Period is purchased, then coverage otherwise afforded by this Policy shall be extended to apply to Claims: (1) year period immediately following first made during such Extended Reporting Period; and (2) reported to the end Company pursuant to the Reporting section of the POLICY PERIODapplicable Coverage Part, but only to the extent such Claims are for Wrongful Acts before the effective date of such Termination of Coverage or the date of any conversion of coverage described in Section VI, Changes in Exposure, whichever is earlier. Any CLAIM which is first Claim made and reported against the INSURED during the EXTENDED REPORTING PERIOD because of a WRONGFUL EMPLOYMENT ACT which occurred after the Retroactive Date and prior to the end of the POLICY PERIOD Extended Reporting Period shall be deemed to have been made on during the last day of Policy Year immediately preceding the POLICY PERIODExtended Reporting Period. B. (F) The coverage otherwise afforded under this Policy will be extended to apply to the EXTENDED REPORTING PERIOD, subject to all of the terms, conditions, limitations and endorsements of this Policy, for CLAIMS first made and reported against any INSURED during the EXTENDED REPORTING PERIOD for WRONGFUL EMPLOYMENT ACTS occurring subsequent to the Retroactive Date and before the expiration of the POLICY PERIOD. C. The additional entire premium for the EXTENDED REPORTING PERIOD will be the amount set forth in Item 7 of the Declarations. The COMPANY must notify the INSURER in writing of the decision to purchase an EXTENDED REPORTING PERIOD, and must pay the additional premium, within thirty (30) days after the end of the POLICY PERIOD. Payment of the full additional premium by the due date is a condition precedent to the right to purchase an EXTENDED REPORTING PERIOD. D. The maximum aggregate Limit of Liability set forth in Item 3 of the Declarations shall be the maximum aggregate Limit of Liability for the POLICY PERIOD and, if applicable, the EXTENDED REPORTING PERIOD. The maximum aggregate Limit of Liability of the Policy is not increased, reinstated or renewed as a result of the applicability of any EXTENDED REPORTING PERIOD. E. The EXTENDED REPORTING PERIOD will apply only if this Policy is canceled by either the COMPANY or the INSURER pursuant to Section VIII, or not renewed by the INSURER for any reason other than the nonpayment of a premium or Retention, or noncompliance with the terms and conditions of this Policy by the COMPANY. An increase in premium or other changes in the terms and conditions of this coverage shall not constitute a non-renewal for the purpose of this provision. The EXTENDED REPORTING PERIOD may not be canceled. F. In the event of the purchase of the EXTENDED REPORTING PERIOD, the entire premium Extended Reporting Period shall be deemed fully earned at its commencement. If the EXTENDED REPORTING PERIOD is terminated before its full term for any reason, the INSURER shall not be liable to return any portion inception of the premium paid such Extended Reporting Period. (G) The limit of liability for the EXTENDED REPORTING PERIODExtended Reporting Period is part of and not in addition to any maximum aggregate limit of liability for the Policy Year immediately preceding the Extended Reporting Period.

Extended Reporting Period. A. An EXTENDED REPORTING PERIOD means In the one (event of cancellation or non-renewal of this insurance by the Named Insured designated in Item 1) year period immediately following the end . of the POLICY PERIODDeclarations, or by the Underwriters, the Named Insured shall have the right, upon payment in full and not proportionally or otherwise in part of the percentage shown in Item 6.a. Any CLAIM which is of the Declarations of the full Premium set forth in item 5 of the Declarations, to have issued an endorsement providing an Extended Reporting Period for the period of time set forth in Item 6.b. for Claims first made against any Insured during the Policy Period and reported against in writing to the INSURED Underwriters during the EXTENDED REPORTING PERIOD because Extended Reporting Period, and arising out of a WRONGFUL EMPLOYMENT ACT which occurred any act, error or omission, Accident, failure of Computer Security, Security Breach, incidents or events committed on or after the Retroactive Date and prior to the end of the POLICY PERIOD shall be deemed to have been made on the last day of the POLICY PERIOD. B. The coverage otherwise afforded under this Policy will be extended to apply to the EXTENDED REPORTING PERIOD, subject to all of the terms, conditions, limitations and endorsements of this Policy, for CLAIMS first made and reported against any INSURED during the EXTENDED REPORTING PERIOD for WRONGFUL EMPLOYMENT ACTS occurring subsequent to the Retroactive Date and before the expiration end of the POLICY PERIOD. C. The Policy Period subject to the conditions set forth herein. In order for the Named Insured to invoke the Extended Reporting Period option, the payment of the additional premium for the EXTENDED REPORTING PERIOD will be the amount set forth in Item 7 of herein must be paid to the Declarations. The COMPANY must notify the INSURER in writing of the decision to purchase an EXTENDED REPORTING PERIOD, and must pay the additional premium, Underwriters within thirty (30) days after the end of the POLICY PERIOD. Payment of the full additional premium by the due date is a condition precedent to the right to purchase an EXTENDED REPORTING PERIODnon-renewal or cancellation. D. B. The maximum aggregate Limit of Liability set forth in Item 3 of the Declarations shall be the maximum aggregate Limit of Liability for the POLICY PERIOD andExtended Reporting Period shall be part of, if applicableand not in addition to, the EXTENDED REPORTING PERIOD. The maximum aggregate Underwriters’ Limit of Liability of for the Policy is Period. The Extended Reporting Period does not increased, reinstated or renewed as a result of the applicability of any EXTENDED REPORTING PERIOD.apply to Insuring Agreement I.G. E. C. The EXTENDED REPORTING PERIOD will apply only if this Policy is canceled by either the COMPANY or the INSURER pursuant to Section VIII, or not renewed quotation by the INSURER for any reason other than the nonpayment Underwriters of a different premium or Retention, Deductible or noncompliance with the terms and conditions Limit of this Policy by the COMPANY. An increase in premium Liability or other changes in Policy language for the terms and conditions purpose of this coverage renewal shall not constitute a refusal to renew by the Underwriters. D. The right to the Extended Reporting Period shall not be available to the Named Insured where cancellation or non-renewal for by the purpose Underwriters is due to non-payment of this provisionpremium or failure of an Insured to pay such amounts in excess of the applicable Limit of Liability or within the applicable Deductible. E. All notices and premium payments with respect to the Extended Reporting Period shall be directed to the Underwriters through the entity named in Item 8. The EXTENDED REPORTING PERIOD may not be canceledof the Declarations. F. In At the event commencement of the purchase of the EXTENDED REPORTING PERIODExtended Reporting Period, the entire premium shall be deemed earned at its commencement. If earned, and in the EXTENDED REPORTING PERIOD is terminated before its full term event the Named Insured terminates the Extended Reporting Period for any reasonreason prior to its natural expiration, the INSURER shall Underwriters will not be liable to return any portion of the premium paid for the EXTENDED REPORTING PERIODExtended Reporting Period.

Extended Reporting Period. A. An EXTENDED REPORTING PERIOD means the one Notwithstanding anything contained in any ‘extended reporting period’, ‘optional extended reporting period’ or ‘automatic extended reporting period’ (1or any other similar provision) year period immediately following the end of the POLICY PERIOD. Any CLAIM which is Primary Policy, in the event of cancellation or non-renewal of this Policy by the Underwriters, the Named Assured shall have the right, upon payment in full of 100% of the Premium set forth in Item 6 of the Declarations to have issued an endorsement providing a 12 month Extended Reporting Period for any claim or claims first made against the Assured and reported against to the INSURED Underwriters during the EXTENDED REPORTING PERIOD because Extended Reporting Period arising out of a WRONGFUL EMPLOYMENT ACT which occurred after any negligent act, error or omission (or arising out of conduct covered in the Retroactive Date and Primary Policy) committed prior to the end effective date of the POLICY PERIOD shall be deemed to have been made on the last day of the POLICY PERIODsuch cancellation or non-renewal and otherwise covered by this Insurance. B. The coverage otherwise afforded under this Policy will be extended In order for the Named Assured to apply invoke the Extended Reporting Period, the Named Assured must: 1. pay the additional premium for the Extended Reporting Period to the EXTENDED REPORTING PERIOD, subject to all Underwriters within 30 days of the terms, conditions, limitations and endorsements non-renewal or cancellation of this Policy, and 2. purchase an extended reporting period under all Underlying Policies: (i) for CLAIMS first made and reported against any INSURED during a period of no less than 12 months from the EXTENDED REPORTING PERIOD for WRONGFUL EMPLOYMENT ACTS occurring subsequent to the Retroactive Date and before the expiration cancellation or non-renewal date of this Policy, and (ii) with no reduction of the POLICY PERIODUnderlying Policy Limits except for any reduction solely by payment of any claims or costs and expenses incurred in the defense or settlement of such claims. C. The additional premium for the EXTENDED REPORTING PERIOD will be the amount set forth in Item 7 of the Declarations. The COMPANY must notify the INSURER in writing of the decision to purchase an EXTENDED REPORTING PERIOD, and must pay the additional premium, within thirty (30) days after the end of the POLICY PERIOD. Payment of the full additional premium by the due date is a condition precedent to the right to purchase an EXTENDED REPORTING PERIOD. D. The maximum aggregate Limit of Liability set forth in Item 3 of the Declarations shall be the maximum aggregate Limit of Liability for the POLICY PERIOD andExtended Reporting Period shall be part of, if applicableand not in addition to, the EXTENDED REPORTING PERIOD. The maximum aggregate Limit of Liability for the Period of Insurance. D. The quotation by the Policy is Underwriters of a different premium or retention or deductible or limit of liability or changes in policy language for the purpose of renewal shall not increased, reinstated or renewed as constitute a result of the applicability of any EXTENDED REPORTING PERIODrefusal to renew. E. The EXTENDED REPORTING PERIOD will apply only if this Policy is canceled by either right to the COMPANY Extended Reporting Period shall not be available to the Named Assured where cancellation or the INSURER pursuant to Section VIII, or not renewed non-renewal by the INSURER for any reason other than the nonpayment Underwriters is due to non-payment of a premium or Retention, failure of the Assured to pay such amounts in excess of the Limit of Liability or noncompliance within the amount of the applicable retention or deductible or failure of the Assured to comply with the terms and conditions of this Policy by the COMPANY. An increase in premium or other changes in the terms and conditions of this coverage shall not constitute a non-renewal for the purpose of this provision. The EXTENDED REPORTING PERIOD may not be canceledPolicy. F. In At the event commencement of the purchase of the EXTENDED REPORTING PERIOD, Extended Reporting Period the entire premium shall be deemed fully earned at its commencement. If and in the EXTENDED REPORTING PERIOD is terminated before its full term event the Assured terminates the Extended Reporting Period for any reasonreason prior to its natural expiration, the INSURER shall Underwriters will not be liable to return any portion of the premium paid for the EXTENDED REPORTING PERIODExtended Reporting Period. G. All notices and premium payments with respect to the Extended Reporting Period shall be directed to the Underwriters through the entity named in Item 9 of the Declarations.

Extended Reporting Period. A. An EXTENDED REPORTING PERIOD means the one (1) year period immediately following the end of the POLICY PERIOD. Any CLAIM which is first made and reported against the INSURED during the EXTENDED REPORTING PERIOD because of a WRONGFUL EMPLOYMENT ACT which occurred after the Retroactive Date and prior This Clause applies to the end of the POLICY PERIOD shall be deemed to have been made on the last day of the POLICY PERIOD. B. The coverage otherwise coverages afforded under this Policy on a Claims Made and Reported Basis and on an Incident or loss Discovered and Reported Basis. A. In the event of cancellation or non-renewal of this insurance by the Named Insured designated in Item 1. of the Declarations, or by the Underwriters, the Named Insured shall have the right, upon payment in full and not proportionally or otherwise in part of the percentage shown in Item 7. of the Declarations of the full Premium set forth in item 6 of the Declarations. In these circumstances, the Underwriters will be extended to apply issue an endorsement providing an Extended Reporting Period for the period of time set forth in Item 7. for Claims first made against any Insured during the Policy Period and reported in writing to the EXTENDED REPORTING PERIOD, subject to all of the terms, conditions, limitations and endorsements of this Policy, for CLAIMS first made and reported against any INSURED Underwriters during the EXTENDED REPORTING PERIOD for WRONGFUL EMPLOYMENT ACTS occurring subsequent to Extended Reporting Period, and arising out of any act, error or omission, Accident, failure of Computer Security, Security Breach, incidents or events committed on or after the Retroactive Date and before the expiration end of the POLICY PERIOD. C. The Policy Period subject to the conditions set forth herein. In order for the Named Insured to invoke the Extended Reporting Period option, the payment of the additional premium for the EXTENDED REPORTING PERIOD will be the amount set forth in Item 7 of herein must be paid to the Declarations. The COMPANY must notify the INSURER in writing of the decision to purchase an EXTENDED REPORTING PERIOD, and must pay the additional premium, Underwriters within thirty (30) days after the end of the POLICY PERIOD. Payment of the full additional premium by the due date is a condition precedent to the right to purchase an EXTENDED REPORTING PERIODnon- renewal or cancellation. D. B. The maximum aggregate Limit of Liability set forth in Item 3 of the Declarations shall be the maximum aggregate Limit of Liability for the POLICY PERIOD andExtended Reporting Period shall be part of, if applicableand not in addition to, the EXTENDED REPORTING PERIOD. The maximum aggregate Underwriters’ Policy Aggregate Limit of Liability for the Policy Period set forth in Item 4.5. of the Policy is Declarations. The Extended Reporting Period does not increased, reinstated or renewed as a result of the applicability of any EXTENDED REPORTING PERIOD.apply to Insuring Agreement I.J. E. C. The EXTENDED REPORTING PERIOD will apply only if this Policy is canceled by either the COMPANY or the INSURER pursuant to Section VIII, or not renewed quotation by the INSURER for any reason other than the nonpayment Underwriters of a different premium or Retention, Deductible or noncompliance with the terms and conditions Limit of this Policy by the COMPANY. An increase in premium Liability or other changes in Policy language for the terms and conditions purpose of this coverage renewal shall not constitute a refusal to renew by the Underwriters. D. The right to the Extended Reporting Period shall not be available to the Named Insured where cancellation or non-renewal for by the purpose Underwriters is due to non-payment of this provisionpremium or failure of an Insured to pay such amounts in excess of the applicable Limit of Liability or within the applicable Deductible. E. All notices and premium payments with respect to the Extended Reporting Period shall be directed to the Underwriters through the entity named in Item 9.2. The EXTENDED REPORTING PERIOD may not be canceledof the Declarations. F. In At the event commencement of the purchase of the EXTENDED REPORTING PERIODExtended Reporting Period, the entire premium shall be deemed earned at its commencement. If earned, and in the EXTENDED REPORTING PERIOD is terminated before its full term event the Named Insured terminates the Extended Reporting Period for any reasonreason prior to its natural expiration, the INSURER shall Underwriters will not be liable to return any portion of the premium paid for the EXTENDED REPORTING PERIODExtended Reporting Period.

Extended Reporting Period. A. An EXTENDED REPORTING PERIOD means a. If the one (1) year period immediately following Insurers cancel or refuse to renew this Policy, the end of Named Insured shall have the POLICY PERIOD. Any CLAIM which is first made and reported against the INSURED during the EXTENDED REPORTING PERIOD because of a WRONGFUL EMPLOYMENT ACT which occurred after the Retroactive Date and prior right to the end of the POLICY PERIOD shall be deemed to have been made on the last day of the POLICY PERIOD. B. The coverage otherwise afforded under this Policy will be extended purchase an Extended Reporting Period to apply to Claims first made against the EXTENDED REPORTING PERIOD, Insured and reported to the Insurers during the Extended Reporting Period. The additional premium charged shall be calculated as follows: · 1 year @ 100% of the annual premium · 2 years @ 125% of the annual premium · 3 years @ 150% of the annual premium but only with respect to Claims arising out of Wrongful Acts committed before the date of such cancellation or non-renewal. This Extended Reporting Period is subject to all of the other terms, conditions, limitations and endorsements of this Policy. b. If the Named Insured cancels or fails to renew this Policy, for CLAIMS the Named Insured shall have the right to purchase an Extended Reporting Period to apply to Claims first made against the Insured and reported against any INSURED to the Insurers during the EXTENDED REPORTING PERIOD for WRONGFUL EMPLOYMENT ACTS occurring subsequent to the Retroactive Date and before the expiration of the POLICY PERIOD. C. Extended Reporting Period. The additional premium for the EXTENDED REPORTING PERIOD will charged shall be the amount set forth in Item 7 calculated as follows: · 1 year @ 125% of the Declarations. The COMPANY must notify the INSURER in writing annual premium · 2 years @ 150% of the decision to purchase an EXTENDED REPORTING PERIOD, and must pay the additional premium, within thirty (30) days after the end annual premium · 3 years @ 175% of the POLICY PERIODannual premium but only with respect to Claims arising out of Wrongful Acts committed before the date of such cancellation or non-renewal. Payment This Extended Reporting Period is subject to all other terms, conditions, limitations of the full additional premium by the due date is and any endorsements to this Policy. As a condition precedent to the Named Insured's right to purchase an EXTENDED REPORTING PERIOD. D. the Extended Reporting Period, the full premium for this Policy and Policy Period must have been paid. The maximum aggregate Limit Named Insured's right to purchase the Extended Reporting Period must be exercised by notice in writing received by the Insurers not later than 30 days following the non-renewal or cancellation date of Liability set forth in Item 3 this Policy, and must include, within that same 30-day period, payment of premium for the Declarations applicable Extended Reporting Period. If such notice is not so given to the Insurers, the Named Insured shall not, at a later date, be able to exercise such right. At the commencement of any Extended Reporting Period, the entire premium thereafter shall be the maximum aggregate Limit deemed earned. The Limits of Liability for the POLICY PERIOD andExtended Reporting Period shall be part of, if applicableand not in addition to, the EXTENDED REPORTING PERIOD. The maximum aggregate Limit Limits of Liability of the Policy is not increased, reinstated or renewed as a result of the applicability of any EXTENDED REPORTING PERIOD. E. The EXTENDED REPORTING PERIOD will apply only if this Policy is canceled by either the COMPANY or the INSURER pursuant to Section VIII, or not renewed by the INSURER for any reason other than the nonpayment of a premium or Retention, or noncompliance with the terms and conditions of this Policy by the COMPANY. An increase in premium or other changes in the terms and conditions of this coverage shall not constitute a non-renewal for the purpose of this provision. The EXTENDED REPORTING PERIOD may not be canceledpolicy period. F. In the event of the purchase of the EXTENDED REPORTING PERIOD, the entire premium shall be deemed earned at its commencement. If the EXTENDED REPORTING PERIOD is terminated before its full term for any reason, the INSURER shall not be liable to return any portion of the premium paid for the EXTENDED REPORTING PERIOD.

Extended Reporting Period. A. An EXTENDED REPORTING PERIOD means If this Policy is canceled for any reason other than non-payment of premium or is not renewed by the one (1) year Underwriter or the Principal Firm, an additional period immediately following the end of the POLICY PERIOD. Any CLAIM time during which is first made and Claims may be reported against the INSURED during the EXTENDED REPORTING PERIOD because of a WRONGFUL EMPLOYMENT ACT which occurred after the Retroactive Date and prior to the end of the POLICY PERIOD shall be deemed to have been made on the last day of the POLICY PERIOD. B. The coverage otherwise afforded under this Policy will (an “Extended Reporting Period”) shall be extended to made available as described in this CONDITION (J), but any such Extended Reporting Period shall only apply to Claims for Wrongful Employment Acts committed or allegedly committed before the EXTENDED REPORTING PERIODeffective date of such cancellation or non- renewal (“Termination Date”) or the effective date of any event described in CONDITION (H)(2), subject to all whichever is earlier. No Extended Reporting Period shall in any way increase the Underwriter’s Limits of Liability stated in ITEM 3 of the termsDeclarations, conditions, limitations and endorsements the Underwriter’s Limit of this Policy, Liability for CLAIMS all Claims first made during any Extended Reporting Period shall be part of, and reported against any INSURED during not in addition to, the EXTENDED REPORTING PERIOD for WRONGFUL EMPLOYMENT ACTS occurring subsequent to the Retroactive Date and before the expiration Underwriter’s maximum aggregate Limit of the POLICY PERIOD. C. The additional premium for the EXTENDED REPORTING PERIOD will be the amount set forth Liability stated in Item 7 ITEM 3(b) of the Declarations. The COMPANY must notify offer of renewal terms, conditions, limits of liability, retentions or premium different from those in effect prior to renewal shall not constitute cancellation or refusal to renew for purposes of this CONDITION (J). The Extended Reporting Period will apply as follows: (1) An Extended Reporting Period of sixty (60) days, beginning as of the INSURER Termination Date, will apply automatically and requires no additional premium; provided, that such Extended Reporting Period will remain in effect only as long as no other policy of insurance is in effect that would apply to any Claim made during such Extended Reporting Period. (2) The Principal Firm may purchase an additional Extended Reporting Period for one of the periods of time stated in ITEM 7 of the Declarations by notifying the Underwriter in writing of its intention to do so no later than thirty (30) days after the decision Termination Date. The additional premium for this additional Extended Reporting Period shall be equal to the applicable amount stated in ITEM 7 of the Declarations and must be paid no later than thirty (30) days after the Termination Date. If no election to purchase an EXTENDED REPORTING PERIODadditional Extended Reporting Period is made as described in CONDITION (J)(2) above, and must pay or if the additional premium, premium for any such Extended Reporting Period is not paid within thirty (30) days after the end of the POLICY PERIOD. Payment of the full additional premium by the due date is a condition precedent to the Termination Date, there will be no right to purchase an EXTENDED REPORTING PERIODadditional Extended Reporting Period at any later time. D. The maximum aggregate Limit of Liability set forth in Item 3 of the Declarations shall be the maximum aggregate Limit of Liability for the POLICY PERIOD and, if applicable, the EXTENDED REPORTING PERIOD. The maximum aggregate Limit of Liability of the Policy is not increased, reinstated or renewed as a result of the applicability of any EXTENDED REPORTING PERIOD. E. The EXTENDED REPORTING PERIOD will apply only if this Policy is canceled by either the COMPANY or the INSURER pursuant to Section VIII, or not renewed by the INSURER for any reason other than the nonpayment of a premium or Retention, or noncompliance with the terms and conditions of this Policy by the COMPANY. An increase in premium or other changes in the terms and conditions of this coverage shall not constitute a non-renewal for the purpose of this provision. The EXTENDED REPORTING PERIOD may not be canceled. F. In the event of the purchase of the EXTENDED REPORTING PERIOD, the entire premium shall be deemed earned at its commencement. If the EXTENDED REPORTING PERIOD is terminated before its full term for any reason, the INSURER shall not be liable to return any portion of the premium paid for the EXTENDED REPORTING PERIOD.

Extended Reporting Period. A. An EXTENDED REPORTING PERIOD means If the Insurer or the Named Insured terminates or does not renew this Policy (other than for failure to pay a premium when due), the Named Insured shall have the right, upon payment of the additional premium described below, to a continuation of the coverage granted by this Policy for the Extended Reporting Period of one (1) year period immediately following the end effective date of the POLICY PERIOD. Any CLAIM which is such termination or nonrenewal, but only with respect to Claims first made and reported against the INSURED during the EXTENDED REPORTING PERIOD because of a WRONGFUL EMPLOYMENT ACT which occurred after the Retroactive Date Extended Reporting Period and arising from Wrongful Acts taking place prior to the end effective date of such termination or nonrenewal. This right to continue coverage shall lapse unless written notice of such election is given by the POLICY PERIOD Named Insured to the Insurer within 30 days following the effective date of termination or nonrenewal. A change in policy terms, conditions, exclusions and/or premiums shall not be deemed considered a nonrenewal for purposes of triggering the rights to have been made on the last day of the POLICY PERIODExtended Reporting Period . B. The coverage otherwise afforded under this Policy will Insurer shall give the Named Insured notice of the premium due for the Extended Reporting Period as soon as practicable following the date the Named Insured gives such notice of such election and such premium shall be extended to apply paid by the Named Insured to the EXTENDED REPORTING PERIOD, subject to all Insurer within 10 days following the date of such notice by the Insurer of the terms, conditions, limitations premium due. The Extended Reporting Period is not cancelable and endorsements of this Policy, the entire premium for CLAIMS first made the Extended Reporting Period shall be deemed fully earned and reported against any INSURED during the EXTENDED REPORTING PERIOD for WRONGFUL EMPLOYMENT ACTS occurring subsequent to the Retroactive Date and before the expiration of the POLICY PERIODnon-refundable upon payment. C. The additional premium for the EXTENDED REPORTING PERIOD will be the amount set forth in Item 7 of the Declarations. The COMPANY must notify the INSURER in writing of the decision to purchase an EXTENDED REPORTING PERIOD, and must pay the additional premium, within thirty (30) days after the end of the POLICY PERIOD. Payment of the full additional premium by the due date is a condition precedent to the right to purchase an EXTENDED REPORTING PERIOD. D. The maximum aggregate Limit of Liability set forth applicable to the Extended Reporting Period, if elected, shall be part of and not in addition to the Limit of Liability shown in Item 3 3, and the Sublimit of Liability shown in Item 7, of the Declarations for the immediately preceding Policy Period. The purchase of the Extended Reporting Period shall not increase or reinstate the Limit of Liability or the Sublimit of Liability, which shall be the maximum aggregate Limit liability of Liability the Insurer for the POLICY PERIOD andPolicy Period and Extended Reporting Period, if applicable, the EXTENDED REPORTING PERIOD. The maximum aggregate Limit of Liability of the Policy is not increased, reinstated or renewed as a result of the applicability of any EXTENDED REPORTING PERIODcombined. E. The EXTENDED REPORTING PERIOD will apply only if this Policy is canceled by either the COMPANY or the INSURER pursuant to Section VIII, or not renewed by the INSURER for any reason other than the nonpayment of a premium or Retention, or noncompliance with the terms and conditions of this Policy by the COMPANY. An increase in premium or other changes in the terms and conditions of this coverage shall not constitute a non-renewal for the purpose of this provision. The EXTENDED REPORTING PERIOD may not be canceled. F. In the event of the purchase of the EXTENDED REPORTING PERIOD, the entire premium shall be deemed earned at its commencement. If the EXTENDED REPORTING PERIOD is terminated before its full term for any reason, the INSURER shall not be liable to return any portion of the premium paid for the EXTENDED REPORTING PERIOD.

Extended Reporting Period. A. An EXTENDED REPORTING PERIOD means If the one (1) year period immediately following the end of the POLICY PERIOD. Any CLAIM which is first made and reported against the INSURED during the EXTENDED REPORTING PERIOD because of a WRONGFUL EMPLOYMENT ACT which occurred after the Retroactive Date and prior to the end of the POLICY PERIOD shall be deemed to have been made on the last day of the POLICY PERIOD. B. The coverage otherwise afforded under Insured does not renew or replace this Policy will be extended to apply to the EXTENDED REPORTING PERIOD, subject to all of the terms, conditions, limitations and endorsements of this Policy, for CLAIMS first made and reported against any INSURED during the EXTENDED REPORTING PERIOD for WRONGFUL EMPLOYMENT ACTS occurring subsequent to the Retroactive Date and before the expiration of the POLICY PERIOD. C. The additional premium for the EXTENDED REPORTING PERIOD will be the amount set forth in Item 7 of the Declarations. The COMPANY must notify the INSURER in writing of the decision to purchase an EXTENDED REPORTING PERIOD, and must pay the additional premium, within thirty (30) days after the end of the POLICY PERIOD. Payment of the full additional premium by the due date is a condition precedent to the right to purchase an EXTENDED REPORTING PERIOD. D. The maximum aggregate Limit of Liability set forth in Item 3 of the Declarations shall be the maximum aggregate Limit of Liability for the POLICY PERIOD and, if applicable, the EXTENDED REPORTING PERIOD. The maximum aggregate Limit of Liability of the Policy is not increased, reinstated or renewed as a result of the applicability of any EXTENDED REPORTING PERIOD. E. The EXTENDED REPORTING PERIOD will apply only if this Policy is canceled by either the COMPANY or the INSURER pursuant to Section VIIIinsurance, or not renewed by if the INSURER Insurer cancels or refuses to renew this policy for any reason reasons other than the nonpayment of a premium or Retention, deductible or noncompliance with the terms and conditions of this Policy policy or fraud or material misrepresentation, upon the payment of an additional premium, the Insured shall have the option to extend the period by which a Claim can be made against the COMPANYInsured and reported to the Insurer. An increase The Insured’s right to purchase the Optional Extended Reporting Period must be exercised by notice in premium writing not later than thirty (30) days after the cancellation or other changes in the terms and conditions termination date of this coverage policy. Effective notice must indicate the total Optional Extended Reporting Period desired AND MUST INCLUDE PAYMENT OF PREMIUM FOR SUCH PERIOD. If such notice and the premium are not mailed to us within thirty (30) days, then the shall not constitute at a non-renewal later date be entitled to purchase an Optional Extended Reporting Period The premium for the purpose Optional Extended Reporting Period shall be determined by charging (1) 100% of the annual premium for twelve (12) months, (2) 135% for twenty-four (24) months, or (3) 180% for thirty- six (36) months. The purchase of an Optional Extended Reporting Period shall be endorsed herein. The fact that the period during which Claims can be made against the Insured and reported to the Insurer is extended by virtue of the Optional Extended Reporting Period shall not in any way increase the Limits of Liability as shown in Item 3 of the Declarations of this provisionpolicy. The EXTENDED REPORTING PERIOD may not be canceled. F. In At the event commencement of the purchase of the EXTENDED REPORTING PERIODany Optional Extended Reporting Period, the entire premium therefore shall be deemed earned at its commencement. If fully earned, and in the EXTENDED REPORTING PERIOD is terminated event the Insured terminates the Optional Extended Reporting Period before its full term for any reason, the INSURER we shall not be liable obligated to return to you any portion of the premium paid for premium. The Insurer’s liability shall further be limited to cover only those Claims or Claim Expenses which arise out of the EXTENDED REPORTING PERIODInsured providing or failing to provide Professional Services prior to the expiration date of the Policy Period or any earlier termination date, if applicable, and prior to the Optional Extended Reporting Period. Bringing of suits by more than one person or organization does not increase the Insured’s Limit of Liability. Two or more Claims arising out of a single negligent act, error or omission or a series of related negligent acts, errors or omissions shall be treated as a single Claim, and shall be subject to one Limit of Liability and only one deductible. All such Claims, whenever made, shall be considered first made on the date on which the earliest Claim was first made.

Extended Reporting Period. A. An EXTENDED REPORTING PERIOD means 1. The State of Nebraska will have the one (right to purchase an Extended Reporting Period, as described below, if: a. This policy or coverage is canceled or not renewed; or b. We renew or replace this coverage with insurance that: 1) year Has a Retroactive Date later than the date stated in the Common Policy Declarations; or 2) Does not apply to ▇▇▇▇▇▇ CARE LIABILITY as granted in this endorsement on a Claims- Made basis. 2. The Extended Reporting Period does not extend the policy period immediately following or change the scope of coverage provided. It applies only to claims for ▇▇▇▇▇▇ CARE LIABILITY as granted in this endorsement that were first committed before the end of the POLICY PERIOD. Any CLAIM which is first made and reported against the INSURED during the EXTENDED REPORTING PERIOD because of a WRONGFUL EMPLOYMENT ACT which occurred after policy period but not before the Retroactive Date and prior to stated in this endorsement. Once in effect, the end of the POLICY PERIOD shall Extended Reporting Period may not be deemed to have been made on the last day of the POLICY PERIODcancelled. B. 3. An Extended Reporting Period of two years is available, but only by endorsement and for an extra premium. The coverage otherwise afforded under this Policy will be extended to apply to the EXTENDED REPORTING PERIOD, subject to all State of the terms, conditions, limitations and endorsements of this Policy, for CLAIMS first made and reported against any INSURED during the EXTENDED REPORTING PERIOD for WRONGFUL EMPLOYMENT ACTS occurring subsequent to the Retroactive Date and before the expiration of the POLICY PERIOD. C. The additional premium Nebraska must give us a written request for the EXTENDED REPORTING PERIOD will be the amount set forth in Item 7 of the Declarations. The COMPANY must notify the INSURER in writing of the decision to purchase an EXTENDED REPORTING PERIOD, and must pay the additional premium, Extended Reporting Period within thirty (30) 60 days after the end of the POLICY PERIODpolicy period. Payment The Extended Reporting Period will not go into effect unless The State of Nebraska pays the additional premium promptly when due. We will determine the additional premium in accordance with our rules and rates. In doing so, we may take into account the following: a. The State of Nebraska’s claims experience for ▇▇▇▇▇▇ CARE LIABILITY; b. Previous types and amounts of insurance; c. Limits of insurance available under this coverage for future payment of damages; and d. Other related factors. The additional premium will not exceed 100% of the full additional annual premium by the due date is a condition precedent to the right to purchase an EXTENDED REPORTING PERIOD. D. The maximum aggregate Limit of Liability set forth in Item 3 for this coverage for each year of the Declarations shall be the maximum aggregate Limit of Liability for the POLICY PERIOD and, if applicable, the EXTENDED REPORTING PERIODExtended Reporting Period. The maximum aggregate Limit of Liability of the Policy is not increased, reinstated or renewed as a result of the applicability of any EXTENDED REPORTING PERIOD. E. The EXTENDED REPORTING PERIOD will apply only if this Policy is canceled by either the COMPANY or the INSURER pursuant Extended Reporting Period endorsement applicable to Section VIII, or not renewed by the INSURER for any reason other than the nonpayment of a premium or Retention, or noncompliance with the terms and conditions of this Policy by the COMPANY. An increase in premium or other changes in the terms and conditions of this coverage shall set forth the terms, not constitute inconsistent with this coverage, applicable to the Extended Reporting Period, including a non-renewal provision stating that the insurance afforded for claims first received during such period is excess over any other valid and collectible insurance available under policies in force after the purpose Extended Reporting Period starts. 4. The Extended Reporting Period does not reinstate or increase the Limits of Insurance of this provision. The EXTENDED REPORTING PERIOD may not be canceledEndorsement. F. In the event of the purchase of the EXTENDED REPORTING PERIOD, the entire premium shall be deemed earned at its commencement. If the EXTENDED REPORTING PERIOD is terminated before its full term for any reason, the INSURER shall not be liable to return any portion of the premium paid for the EXTENDED REPORTING PERIOD.

Extended Reporting Period. A. An EXTENDED REPORTING PERIOD means a. If the one (1) year period immediately following Insurers cancel or refuse to renew this Policy, the end of Named Insured shall have the POLICY PERIOD. Any CLAIM which is first made and reported against the INSURED during the EXTENDED REPORTING PERIOD because of a WRONGFUL EMPLOYMENT ACT which occurred after the Retroactive Date and prior right to the end of the POLICY PERIOD shall be deemed to have been made on the last day of the POLICY PERIOD. B. The coverage otherwise afforded under this Policy will be extended purchase an Extended Reporting Period to apply to Claims first made against the EXTENDED REPORTING PERIOD, Insured and reported to the Insurers during the Extended Reporting Period. The additional premium charged shall be calculated as follows: · 1 year @ 125% of the annual premium · 2 years @ 150% of the annual premium · 3 years @ 175% of the annual premium but only with respect to Claims arising out of Wrongful Acts committed before the date of such cancellation or non-renewal. This Extended Reporting Period is subject to all of the other terms, conditions, limitations and endorsements of this Policy. b. If the Named Insured cancels or fails to renew this Policy, for CLAIMS the Named Insured shall have the right to purchase an Extended Reporting Period to apply to Claims first made against the Insured and reported against any INSURED to the Insurers during the EXTENDED REPORTING PERIOD for WRONGFUL EMPLOYMENT ACTS occurring subsequent to the Retroactive Date and before the expiration of the POLICY PERIOD. C. Extended Reporting Period. The additional premium for the EXTENDED REPORTING PERIOD will charged shall be the amount set forth in Item 7 calculated as follows: · 1 year @ 125% of the Declarations. The COMPANY must notify the INSURER in writing annual premium · 2 years @ 150% of the decision to purchase an EXTENDED REPORTING PERIOD, and must pay the additional premium, within thirty (30) days after the end annual premium · 3 years @ 200% of the POLICY PERIODannual premium but only with respect to Claims arising out of Wrongful Acts committed before the date of such cancellation or non-renewal. Payment This Extended Reporting Period is subject to all other terms, conditions, limitations of the full additional premium by the due date is and any endorsements to this Policy. As a condition precedent to the Named Insured's right to purchase an EXTENDED REPORTING PERIOD. D. the Extended Reporting Period, the full premium for this Policy and Policy Period must have been paid. The maximum aggregate Limit Named Insured's right to purchase the Extended Reporting Period must be exercised by notice in writing received by the Insurers not later than 30 days following the non-renewal or cancellation date of Liability set forth in Item 3 this Policy, and must include, within that same 30-day period, payment of premium for the Declarations applicable Extended Reporting Period. If such notice is not so given to the Insurers, the Named Insured shall not, at a later date, be able to exercise such right. At the commencement of any Extended Reporting Period, the entire premium thereafter shall be the maximum aggregate Limit deemed earned. The Limits of Liability for the POLICY PERIOD andExtended Reporting Period shall be part of, if applicableand not in addition to, the EXTENDED REPORTING PERIOD. The maximum aggregate Limit Limits of Liability of for the Policy is not increased, reinstated or renewed as a result of the applicability of any EXTENDED REPORTING PERIODPeriod. E. The EXTENDED REPORTING PERIOD will apply only if this Policy is canceled by either the COMPANY or the INSURER pursuant to Section VIII, or not renewed by the INSURER for any reason other than the nonpayment of a premium or Retention, or noncompliance with the terms and conditions of this Policy by the COMPANY. An increase in premium or other changes in the terms and conditions of this coverage shall not constitute a non-renewal for the purpose of this provision. The EXTENDED REPORTING PERIOD may not be canceled. F. In the event of the purchase of the EXTENDED REPORTING PERIOD, the entire premium shall be deemed earned at its commencement. If the EXTENDED REPORTING PERIOD is terminated before its full term for any reason, the INSURER shall not be liable to return any portion of the premium paid for the EXTENDED REPORTING PERIOD.

Extended Reporting Period. A. An EXTENDED REPORTING PERIOD means If the Insurer or Named Sponsor terminates or does not renew this Policy (other than for failure to pay a premium when due), the Named Sponsor shall have the right, upon payment of the additional extended reporting period premium set forth in Item 6B of the Declarations, to a continuation of the coverage granted by this Policy for an extended reporting period of one year (1“Extended Reporting Period”) year period immediately following the end effective date of the POLICY PERIOD. Any CLAIM which is such termination or nonrenewal, but only with respect to Claims first made and reported against the INSURED during the EXTENDED REPORTING PERIOD because of a WRONGFUL EMPLOYMENT ACT which occurred after the Retroactive Date Extended Reporting Period and arising from Wrongful Acts taking place prior to the end effective date of such termination or nonrenewal. This right to continue coverage shall lapse unless the POLICY PERIOD Named Sponsor gives written notice of such election and pays the Extended Reporting Period premium to the Insurer within 30 days following the effective date of termination or nonrenewal. A change in policy terms, conditions, exclusions and/or premiums shall not be deemed considered a nonrenewal for purposes of triggering the rights to have been made on the last day of the POLICY PERIODExtended Reporting Period. B. The coverage otherwise afforded under this Policy will Extended Reporting Period is not cancelable and the entire premium for the Extended Reporting Period shall be extended to apply to the EXTENDED REPORTING PERIOD, subject to all of the terms, conditions, limitations deemed fully earned and endorsements of this Policy, for CLAIMS first made and reported against any INSURED during the EXTENDED REPORTING PERIOD for WRONGFUL EMPLOYMENT ACTS occurring subsequent to the Retroactive Date and before the expiration of the POLICY PERIODnon-refundable upon payment. C. The additional premium for the EXTENDED REPORTING PERIOD will be the amount set forth in Item 7 of the Declarations. The COMPANY must notify the INSURER in writing of the decision to purchase an EXTENDED REPORTING PERIOD, and must pay the additional premium, within thirty (30) days after the end of the POLICY PERIOD. Payment of the full additional premium by the due date is a condition precedent to the right to purchase an EXTENDED REPORTING PERIOD. D. The maximum aggregate Limit of Liability set forth applicable to the Extended Reporting Period, if elected, shall be part of and not in addition to the Limit of Liability and Sublimit of Liability shown in Item 3 of the Declarations for the immediately preceding Policy Period. The purchase of the Extended Reporting Period shall not increase or reinstate the Limit of Liability or the Sublimit of Liability, which shall be the maximum aggregate Limit liability of Liability the Insurer for the POLICY PERIOD andPolicy Period and Extended Reporting Period, if applicable, the EXTENDED REPORTING PERIOD. The maximum aggregate Limit of Liability of the Policy is not increased, reinstated or renewed as a result of the applicability of any EXTENDED REPORTING PERIODcombined. E. The EXTENDED REPORTING PERIOD will apply only if this Policy is canceled by either the COMPANY or the INSURER pursuant to Section VIII, or not renewed by the INSURER for any reason other than the nonpayment of a premium or Retention, or noncompliance with the terms and conditions of this Policy by the COMPANY. An increase in premium or other changes in the terms and conditions of this coverage shall not constitute a non-renewal for the purpose of this provision. The EXTENDED REPORTING PERIOD may not be canceled. F. In the event of the purchase of the EXTENDED REPORTING PERIOD, the entire premium shall be deemed earned at its commencement. If the EXTENDED REPORTING PERIOD is terminated before its full term for any reason, the INSURER shall not be liable to return any portion of the premium paid for the EXTENDED REPORTING PERIOD.

Extended Reporting Period. A. An EXTENDED REPORTING PERIOD means If the one Underwriters cancel or non-renews this policy the INSURED can report a CLAIM first made during the policy period within fifteen (115) year period immediately following days after the effective date of the cancellation or non-renewal. B. If the Underwriters or the Named Insured cancels or non-renews this policy, the Named Insured will have the right to extend the time past the end of the POLICY PERIOD. Any PERIOD for reporting any CLAIM which is made against an INSURED for an additional twelve (12) months at 100% of the expiring premium; twenty-four (24) months at 175% of the expiring premium; or thirty-six (36) months at 225% of the expiring premium. C. The option described in B. above applies only to CLAIMs otherwise covered by this policy that are first made and reported against the INSURED during the EXTENDED REPORTING PERIOD because of policy period and first reported to the Underwriters during the policy period or the Extended Reporting Period. Coverage for CLAIMs first made during the policy period and first reported during the policy period or Extended Reporting Period applies only to a WRONGFUL EMPLOYMENT ACT which CLAIM for an act, error, omission or PERSONAL INJURY that occurred after the Retroactive Date and prior to the end of the POLICY PERIOD shall and on or after the RETROACTIVE DATE, if any. D. This right to purchase the Extended Reporting Endorsement is subject to the following conditions: 1. This policy was non-renewed for reasons other than non-payment of premium; 2. Any deductible amounts due the Underwriters must be deemed paid by the INSURED; 3. The Named Insured must send written notice to have been made on the last day Underwriters of the POLICY PERIOD. B. The coverage otherwise afforded under this Policy will be extended to apply to the EXTENDED REPORTING PERIOD, subject to all of the terms, conditions, limitations and endorsements of this Policy, for CLAIMS first made and reported against any INSURED during the EXTENDED REPORTING PERIOD for WRONGFUL EMPLOYMENT ACTS occurring subsequent to the Retroactive Date and before the expiration of the POLICY PERIOD. C. The additional premium for the EXTENDED REPORTING PERIOD will be the amount set forth in Item 7 of the Declarations. The COMPANY must notify the INSURER in writing of the decision intention to purchase an EXTENDED REPORTING PERIOD, and must pay the Extended Reporting Endorsement accompanied by the additional premium, . Written notice and premium payment must be received by the Underwriters within thirty (30) days after the end termination date of the POLICY PERIOD; 4. Payment Separate or new limits do not apply to the Extended Reporting Period. In no event will the Underwriters be required to make any payment for CLAIMs or CLAIMS EXPENSES that exceed the balance of the full additional premium by limit of liability in effect at the due date time the policy is a condition precedent terminated; 5. This option to extend the reporting period does not extend the POLICY PERIOD; 6. This option is not available if any INSURED’s license or right to purchase an EXTENDED REPORTING PERIOD. D. The maximum aggregate Limit of Liability set forth in Item 3 of the Declarations shall be the maximum aggregate Limit of Liability for the POLICY PERIOD andpractice his or her profession is revoked by, if applicable, the EXTENDED REPORTING PERIOD. The maximum aggregate Limit of Liability of the Policy is not increased, reinstated or renewed as a result of the applicability of any EXTENDED REPORTING PERIOD. E. The EXTENDED REPORTING PERIOD will apply only if this Policy is canceled by either the COMPANY or the INSURER pursuant to Section VIIIsuspended by, or not renewed by the INSURER surrendered to any court or regulatory agency 7. Premium for any reason other than the nonpayment of a premium or Retention, or noncompliance with the terms and conditions of this Policy by the COMPANY. An increase in premium or other changes in the terms and conditions of this coverage shall not constitute a non-renewal for the purpose of this provision. The EXTENDED REPORTING PERIOD may not be canceledoption is fully earned when received. F. In the event of the purchase of the EXTENDED REPORTING PERIOD, the entire premium shall be deemed earned at its commencement. If the EXTENDED REPORTING PERIOD is terminated before its full term for any reason, the INSURER shall not be liable to return any portion of the premium paid for the EXTENDED REPORTING PERIOD.

Extended Reporting Period. A. An EXTENDED REPORTING PERIOD means If the one (1) year period immediately following Insurers cancel or refuse to renew this Policy, the end of Named Insured shall have the POLICY PERIOD. Any CLAIM which is first made and reported against the INSURED during the EXTENDED REPORTING PERIOD because of a WRONGFUL EMPLOYMENT ACT which occurred after the Retroactive Date and prior right to the end of the POLICY PERIOD shall be deemed to have been made on the last day of the POLICY PERIOD. B. The coverage otherwise afforded under this Policy will be extended purchase an Extended Reporting Period to apply to Claims first made against the EXTENDED REPORTING PERIODInsured and reported to the Insurers during the Extended Reporting Period for a period of one year for an additional premium of 100% of the total annual premium, but only with respect to Claims arising out of Wrongful Acts committed before the date of such cancellation or non-renewal. This Extended Reporting Period is subject to all of the other terms, conditions, limitations and endorsements of this Policy. If the Named Insured cancels or fails to renew this Policy, for CLAIMS first made and reported against any INSURED during the EXTENDED REPORTING PERIOD for WRONGFUL EMPLOYMENT ACTS occurring subsequent to Named Insured shall have the Retroactive Date and before the expiration of the POLICY PERIOD. C. The additional premium for the EXTENDED REPORTING PERIOD will be the amount set forth in Item 7 of the Declarations. The COMPANY must notify the INSURER in writing of the decision right to purchase an EXTENDED REPORTING PERIOD, Extended Reporting Period to apply to Claims first made against the Insured and must pay reported to the Insurers during the Extended Reporting Period for a period of one year for an additional premium of 125% of the total annual premium, within thirty (30) days after but only with respect to Claims arising out of Wrongful Acts committed before the end date of the POLICY PERIODsuch cancellation or non-renewal. Payment This Extended Reporting Period is subject to all other terms, conditions, limitations of the full additional premium by the due date is and any endorsements to this Policy. As a condition precedent to the Named Insured's right to purchase an EXTENDED REPORTING PERIOD. D. the Extended Reporting Period, the full premium for this Policy and Policy Period must have been paid. The maximum aggregate Limit Named Insured's right to purchase the Extended Reporting Period must be exercised by notice in writing received by the Insurers not later than 30 days following the non-renewal or cancellation date of Liability set forth in Item 3 this Policy, and must include, within that same 30-day period, payment of premium for the Declarations applicable Extended Reporting Period. If such notice is not so given to the Insurers, the Named Insured shall not, at a later date, be able to exercise such right. At the commencement of any Extended Reporting Period, the entire premium thereafter shall be the maximum aggregate Limit deemed earned. The Limits of Liability for the POLICY PERIOD andExtended Reporting Period shall be part of, if applicableand not in addition to, the EXTENDED REPORTING PERIOD. The maximum aggregate Limit Limits of Liability of the Policy is not increased, reinstated or renewed as a result of the applicability of any EXTENDED REPORTING PERIOD. E. The EXTENDED REPORTING PERIOD will apply only if this Policy is canceled by either the COMPANY or the INSURER pursuant to Section VIII, or not renewed by the INSURER for any reason other than the nonpayment of a premium or Retention, or noncompliance with the terms and conditions of this Policy by the COMPANY. An increase in premium or other changes in the terms and conditions of this coverage shall not constitute a non-renewal for the purpose Period of this provision. The EXTENDED REPORTING PERIOD may not be canceledInsurance. F. In the event of the purchase of the EXTENDED REPORTING PERIOD, the entire premium shall be deemed earned at its commencement. If the EXTENDED REPORTING PERIOD is terminated before its full term for any reason, the INSURER shall not be liable to return any portion of the premium paid for the EXTENDED REPORTING PERIOD.