FINANCIAL INSTITUTION BONDS protect you and your institution against a wide variety of crime loss exposures, including:

*FIDELITY (Agreement A)
Loss caused by dishonest or fraudulent acts of employees and outside data processors.

*ON PREMISES (Agreement B)
Loss of property through robbery, burglary, misplacement, mysterious unexplainable disappearance, theft, larceny or false pretences while lodged or deposited within offices or premises located anywhere. Also covers resulting loss or damage to the premises and equipment at owned locations or at another's location if held liable.

*IN TRANSIT (Agreement C)
Loss of property through robbery, larceny, theft, misplacement, mysterious unexplainable disappearance while in transit, except while in the US Postal system.

*FORGERY or ALTERATION (Agreement D)
Referred to as "Check Forgery" or "Signature Forgery" coverage. Loss resulting directly from forgery or alteration of negotiable instruments.

*SECURITIES FORGERY (Agreement E)
Referred to as "Lending Forgery" coverage. Loss caused by forged, altered, lost or stolen negotiable instrument and documents used as loan collateral such as stock, titles and deeds.

*COUNTERFEIT CURRENCY (Agreement F)
Loss from accepting counterfeit or altered United States or Canadian currency or currency of any country in which you maintain a branch office.

AVAILABLE ENDORSEMENTS added to Financial Institution Bonds can expand your loss coverage to include

1. UNAUTHORIZED SIGNATURES- Loss resulting from acting on negotiable instruments or withdrawal orders that bear a genuine but unauthorized signature.

2. COUNTERFEIT CHECKS- Loss resulting from accepting counterfeit checks or other negotiable instruments.

3. COMPUTER SYSTEMS FRAUD- Loss resulting directly from the fraudulent transfer of funds through the financial institutions computer system.

4. AUTOMATED TELLER MACHINES-Theft of the cash from an Automated Teller Machine located off premises.

5. TRADING LOSS (BUY BACK)-Coverage eliminates the employee dishonesty exclusion due to trading the financial institution's or customer's funds.

6. EXTORTION (KIDNAP & RANSOM)-Covers ransom, medical reimbursement and additional expenses of covered persons.

7. FRAUDULENT MORTGAGES-Loss resulting from acting upon mortgages, deeds and like instruments where the signatures were obtained by trick, artifice or fraud.

8. SERVICING CONTRACTORS- Adds servicing contractors as EMPLOYEES by definition.

9. CHECK KITING FRAUD-Loss resulting from the systematic, back and forth deposit of funds to create the appearance of valid, collected balances.

10. STOP PAYMENT LEGAL LIABILITY- Failure to comply with customer's request to stop payment on a check or draft.

11. TRANSIT CASH LETTER-Reimbursement for expenses in reconstructing a lost cash letter.

12. CLAIMS EXPENSE-Expense incurred to determine the full amount of loss such as an embezzlement that had been ongoing over long period of time.

13. SAFE DEPOSIT-Loss of customer's property from a safe deposit box as well as potential liability of the organization for such loss.