EQUUS TOTAL RETURN, INC.
April 20, 2012
Securities and Exchange Commission
100 F Street N.E.
Washington, DC 20549
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Re:
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Equus Total Return, Inc. (the “Fund”)
File No. 814-00098
Fidelity Bond
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Ladies and Gentlemen:
The following document is attached and statements are made
concerning the fidelity bond coverage for the Fund:
1.
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A copy of the Fund’s fidelity bond issued by Chubb Group of Insurance Companies in the amount of $400,000;
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2.
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On March 8, 2012, the Fund’s Board of Directors, including all of the Directors who are not “interested persons” of the Fund, unanimously approved the fidelity bond in accordance with their obligations under Rule 17g-1(d) under the Investment Company Act of 1940 as follows:
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RESOLVED, that the Board of
Directors of the Fund hereby determines that a fidelity bond issued by Chubb Group of Insurance Companies covering officers and
employers of the Fund in accordance with the requirements of Rule 17g-1 under the 1940 Act, in the amount of $400,000, is reasonable
in form and amount, after having given due consideration to the value of the aggregate assets of the Fund to which any such covered
person may have access, the type and terms of the arrangements made for the custody and safekeeping of such assets, and the nature
of the securities in the Fund’s portfolio; and be it further
RESOLVED, that the officers
of the Fund are authorized to file the following documents with the SEC (and any actions previously taken in this regard are ratified):
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a.
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A copy of the Fidelity Bond;
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b.
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A copy of the Board resolution approving the Fidelity Bond; and
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c.
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Any other documents required by Rule 17g-1 under the Investment Company Act of 1940; and be it further
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RESOLVED, that the officers of
the Fund be, and they hereby are, authorized, on behalf of the Fund, to take other actions as they deem necessary or appropriate
to give effect to the foregoing resolutions.
3.
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The fidelity bond has been paid for a term of one year beginning March 28, 2013.
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Very truly yours,
Equus Total Return, Inc.
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/s/ L’Sheryl D. Hudson
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L’Sheryl D. Hudson
Vice President and Chief Financial Officer
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Chubb
Group of Insurance Companies
CHUBB
15 Mountain View Road, Warren, New Jersey 01059
NAME OF ASSURED (including its Subsidiaries):
EQUUS TOTAL RETURN, INC.
8 GREENWAY PLAZA,
SUITE 930 HOUSTON, TX 77046
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DECLARATIONS
FINANCIAL INSTITUTION INVESTMENT
COMPANY ASSET PROTECTION BOND
Bond Number: 82050480
FEDERAL INSURANCE COMPANY
Incorporated under the laws of Indiana
a stock insurance company herein called the COMPANY
Capital Center, 251 North Illinois, Suite 1100
Indianapolis, IN 46204-1927
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ITEM 1.
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BOND PERIOD:
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from:
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12:01 a.m. on March 28, 2012
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to:
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12:01 a.m. on March 28, 2013
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ITEM 2.
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LIMITS
OF LIABILITY – DEDUCTIBLE AMOUNTS:
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If "Not Covered" is inserted below opposite
any specified INSURING CLAUSE, such INSURING CLAUSE and any other reference shall be deemed to be deleted.
There shall be no
deductible applicable to any loss under INSURING CLAUSE 1. sustained by any Investment Company
INSURING CLAUSE
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LIMIT OF LIABILITY
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DEDUCTIBLE AMOUNT
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1.
Employee
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$
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400,000
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$
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0
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2.
On Premises
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$
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400,000
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$
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10,000
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3.
In Transit
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$
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400,000
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$
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10,000
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4.
Forgery or Alteration
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$
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400,000
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$
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10,000
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5.
Extended Forgery
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$
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400,000
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$
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10,000
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6.
Counterfeit Money
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$
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400,000
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$
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10,000
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7.
Threats to Person
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$
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Not Covered
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$
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N/A
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8.
Computer System
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$
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400,000
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$
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10,000
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9.
Voice Initiated Funds Transfer Instruction
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$
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400,000
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$
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10,000
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10.
Uncollectible Items of Deposit
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$
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250,000
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$
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5,000
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11.
Audit Expense
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$
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250,000
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$
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5,000
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ITEM
3
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THE LIABILITY OF THE COMPANY
IS ALSO SUBJECT TO THE TERMS OF THE FOLLOWING ENDORSEMENTS EXECUTED SIMULTANEOUSLY HEREWITH:
1 - 4
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IN WITNESS WHEREOF, THE COMPANY
has
caused this Bond to be signed by its authorized officers, but it shall not be valid unless also signed by an authorized representative
of the Company.
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Secretary
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President
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Countersigned by
March 21, 2012
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Authorized Representative
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CHUBB
The COMPANY, in consideration
of payment of the required premium, and in reliance on the APPLICATION and all other statements made and information furnished
to the COMPANY by the ASSURED, and subject to the DECLARATIONS made a part of this Bond and to all other terms and conditions of
this Bond, agrees to pay the ASSURED for:
Insuring Clauses
Employee
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1.
Loss resulting directly from
Larceny or Embezzlement
committed
by any
Employee,
alone or in collusion with others.
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On Premises
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2.
Loss of
Property
resulting directly from robbery, burglary,
false pretenses, common law or statutory larceny, misplacement, mysterious unexplainable disappearance, damage, destruction or
removal, from the possession, custody or control of the ASSURED, while such
Property
is lodged or deposited at premises
located anywhere.
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In Transit
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3.
Loss of
Property
resulting directly from common law or statutory
larceny, misplacement, mysterious unexplainable disappearance, damage or destruction, while the
Property
is in transit
anywhere:
a.
in an armored motor vehicle, including loading and unloading thereof,
b.
in the custody of a natural person acting as a messenger of the ASSURED,
or
c.
in the custody of a
Transportation Company
and being transported
in a conveyance other than an armored motor vehicle provided, however, that covered
Property
transported in such manner
is limited to the following:
(1)
written records,
(2)
securities issued in registered form, which are not endorsed or are
restrictively endorsed, or
(3)
negotiable instruments not payable to bearer, which are not endorsed
or are restrictively endorsed.
Coverage under this INSURING
CLAUSE begins immediately on the receipt of such
Property
by the natural person or
Transportation Company
and ends
immediately on delivery to the premises of the addressee or to any representative of the addressee located anywhere.
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Insuring Clauses
(continued)
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Forgery Or Alteration
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4.
Loss resulting directly from:
a.
Forgery
on, or fraudulent material alteration of,
any bills of exchange, checks, drafts, acceptances, certificates of deposits, promissory notes, due bills, money orders,
orders upon public treasuries, letters of credit, other written promises, orders or directions to pay sums certain in
money, or receipts for the withdrawal of
Property
, or
b.
transferring, paying or delivering any funds or other
Property
,
or establishing any credit or giving any value in reliance on any written instructions, advices or applications directed
to the ASSURED authorizing or acknowledging the transfer, payment, delivery or receipt of funds or other
Property
,
which instructions, advices or applications fraudulently purport to bear the handwritten signature of any customer of
the ASSURED, or shareholder or subscriber to shares of an
Investment Company
, or of any financial institution or
Employee
but which instructions, advices or applications either bear a
Forgery
or have been fraudulently
materially altered without the knowledge and consent of such customer, shareholder, subscriber, financial institution
or
Employee
;
excluding, however, under this
INSURING CLAUSE any loss covered under INSURING CLAUSE 5. of this Bond, whether or not coverage for INSURING CLAUSE 5. is provided
for in the DECLARATIONS of this Bond.
For the purpose of this INSURING
CLAUSE, a mechanically reproduced facsimile signature is treated the same as a handwritten signature.
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Extended Forgery
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5.
Loss resulting directly from the ASSURED having, in good faith, and
in the ordinary course of business, for its own account or the account of others in any capacity:
a.
acquired, accepted or received, accepted or received, sold
or delivered, or given value, extended credit or assumed liability, in reliance on any original
Securities, documents
or other written instruments
which prove to:
(1)
bear a
Forgery
or a fraudulently material alteration,
(2)
have been lost or stolen, or
(3)
be
Counterfeit
, or
b.
guaranteed in writing or witnessed any signatures on any
transfer, assignment, bill of sale, power of attorney, guarantee, endorsement or other obligation upon or in connection
with any
Securities, documents or other written instruments
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Actual physical possession,
and continued actual physical possession if taken as collateral, of such
Securities, documents or other written instruments
by an
Employee, Custodian
, or a Federal or State chartered deposit institution of the ASSURED is a condition
precedent to the ASSURED having relied on such items. Release or return of such collateral is an acknowledgment by the
ASSURED that it no longer relies on such collateral.
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Insuring Clauses
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Extended Forgery
(continued)
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For the purpose of this INSURING CLAUSE,
a mechanically reproduced facsimile signature is treated the same as a handwritten signature.
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Counterfeit Money
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6.
Loss resulting directly from the receipt by the ASSURED in
good faith of any
Counterfeit
money.
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Threats To Person
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7.
Loss resulting directly from surrender of
Property
away from an office of the ASSURED as a result of a threat communicated to the ASSURED to do bodily harm to an
Employee
as defined in Section 1.e. (1), (2) and (5), a
Relative
or invitee of such
Employee
, or a resident of
the household of such Employee, who is, or allegedly is, being held captive provided, however, that prior to the surrender
of such
Property
:
a.
the
Employee
who receives the threat has made a reasonable
effort to notify an officer of the ASSURED who is not involved in such threat, and
b.
the ASSURED has made a reasonable effort to notify the Federal Bureau
of Investigation and local law enforcement authorities concerning such threat.
It is agreed that for
purposes of this INSURING CLAUSE, any
Employee
of the ASSURED, as set forth in the preceding paragraph, shall be
deemed to be an ASSURED hereunder, but only with respect to the surrender of money, securities and other tangible personal
property in which such
Employee
has a legal or equitable interest.
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Computer System
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8.
Loss resulting directly from fraudulent:
a.
entries of data into, or
b.
changes of data elements or programs within, a
Computer
System
, provided the fraudulent entry or change causes:
(1)
funds or other property to be transferred, paid or delivered,
(2)
an account of the ASSURED or of its customer to be added, deleted,
debited or credited, or
(3)
an unauthorized account or a fictitious account to be debited or credited.
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Insuring Clauses
(continued)
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Voice Initiated Funds Transfer Instruction
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9.
Loss resulting directly from
Voice Initiated Funds Transfer
Instruction
directed to the ASSURED authorizing the transfer of dividends or redemption proceeds of
Investment
Company
shares from a Customer's account, provided such
Voice Initiated Funds Transfer Instruction
was:
a.
received at the ASSURED'S offices by those
Employees
of the ASSURED specifically authorized to receive the
Voice Initiated Funds Transfer Instruction
,
b.
made by a person purporting to be a
Customer
, and
c.
made by said person for the purpose of causing the ASSURED
or
Customer
to sustain a loss or making an improper personal financial gain for such person or any other person.
In order for coverage
to apply under this INSURING CLAUSE, all
Voice Initiated Funds Transfer Instructions
must be received and processed
in accordance with the Designated Procedures outlined in the APPLICATION furnished to the COMPANY.
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Uncollectible Items
of Deposit
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10.
Loss resulting directly from the ASSURED having credited
an account of a customer, shareholder or subscriber on the faith of any
Items of Deposit
which prove to be uncollectible,
provided that the crediting of such account causes:
a.
redemptions or withdrawals to be permitted,
b.
shares to be issued, or
c.
dividends to be paid,
from an account of
an
Investment Company
.
In order for coverage
to apply under this INSURING CLAUSE, the ASSURED must hold
Items of Deposit
for the minimum number of days stated
in the APPLICATION before permitting any redemptions or withdrawals, issuing any shares or paying any dividends with respect
to such
Items of Deposit
.
Items of Deposit
shall not be deemed uncollectible until the ASSURED'S standard collection procedures have failed.
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Audit Expense
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11.
Expense incurred by the ASSURED for that part of the cost of audits
or examinations required by any governmental regulatory authority or self-regulatory organization to be conducted by such authority,
organization or their appointee by reason of the discovery of loss sustained by the ASSURED and covered by this Bond.
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General Agreements
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Additional Companies Included As Assured
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A.
If more than one corporation, or
Investment Company
,
or any combination of them is included as the ASSURED herein:
(1)
The total liability of the COMPANY under this Bond for loss or losses
sustained by anyone or more or all of them shall not exceed the limit for which the COMPANY would be liable under this Bond if
all such loss were sustained by anyone of them.
(2)
Only the first named ASSURED shall be deemed to be the sole agent
of the others for all purposes under this Bond, including but not limited to the giving or receiving of any notice or proof required
to be given and for the purpose of effecting or accepting any amendments to or termination of this
Bond.
The COMPANY shall furnish each Investment Company with a copy of the Bond and with any amendment thereto, together with a copy
of each formal filing of claim by any other named ASSURED and notification of the terms of the settlement of each such claim prior
to the execution of such settlement.
(3)
The COMPANY shall not be responsible for the proper application of
any payment made hereunder to the first named ASSURED.
(4)
Knowledge possessed or discovery made by any partner, director, trustee,
officer or supervisory employee of any ASSURED shall constitute knowledge or discovery by all the ASSUREDS for the purposes of
this Bond.
(5) If
the first named ASSURED ceases for any reason to be covered under this Bond, then the ASSURED next named on the
APPLICATION shall thereafter be considered as the first named ASSURED for the purposes of this Bond.
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Representation Made By Assured
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B.
The ASSURED represents that all information it has furnished in the
APPLICATION for this Bond or otherwise is complete, true and correct. Such APPLICATION and other information constitute part of
this Bond.
The ASSURED must promptly notify
the COMPANY of any change in any fact or circumstance which materially affects the risk assumed by the COMPANY under this Bond.
Any intentional misrepresentation,
omission, concealment or incorrect statement of a material fact, in the APPLICATION or otherwise, shall be grounds for recision
of this Bond.
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General Agreements
(continued)
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Additional Offices Or Employees – Consolidation, Merger Or Purchase Or Acquisition Of Assets Or Liabilities – Notice To Company
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C.
If the ASSURED, other than an
Investment Company
,
while this Bond is in force, merges or consolidates with, or purchases or acquires assets or liabilities of another institution,
the ASSURED shall not have the coverage afforded under this Bond for loss which has:
(1)
occurred or will occur on premises, or
(2)
been caused or will be caused by an employee, or
(3)
arisen or will arise out of the assets or liabilities,
of such institution, unless the
ASSURED:
a.
gives the COMPANY written notice of the proposed consolidation, merger
or purchase or acquisition of assets or liabilities prior to the proposed effective date of such action, and
b.
obtains the written consent of the COMPANY to extend some or all of
the coverage provided by this Bond to such additional exposure, and
c.
on obtaining such consent, pays to the COMPANY an additional premium.
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Change Of Control Notice To Company
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D.
When the ASSURED learns of a change in control (other than
in an
Investment Company
), as set forth in Section 2(a) (9) of the Investment Company Act of 1940, the ASSURED
shall within sixty (60) days give written notice to the COMPANY setting forth:
(1)
the names of the transferors and transferees (or the names of the
beneficial owners if the voting securities are registered in another name),
(2)
the total number of voting securities owned by the transferors and
the transferees (or the beneficial owners), both immediately before and after the transfer, and
(3)
the total number of outstanding voting securities.
Failure to give the required
notice shall result in termination of coverage for any loss involving a transferee, to be effective on the date of such change
in control.
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Court Costs And Attorneys’ Fees
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E.
The COMPANY will indemnify the ASSURED for court costs and reasonable
attorneys' fees incurred and paid by the ASSURED in defense, whether or not successful, whether or not fully litigated on the merits
and whether or not settled, of any claim, suit or legal proceeding with respect to which the ASSURED would be entitled to recovery
under this Bond. However, with respect to INSURING CLAUSE 1., this Section shall only apply in the event that:
(1)
an
Employee
admits to being guilty of
Larceny or
Embezzlement
,
(2)
an
Employee
is adjudicated to be guilty of
Larceny
or Embezzlement
, or
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General Agreements
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Court Costs And Attorneys’ Fees (continued)
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(3)
in the absence of 1 or 2 above, an arbitration panel agrees,
after a review of an agreed statement of facts between the COMPANY and the ASSURED, that an
Employee
would be found
guilty of
Larceny or Embezzlement
if such
Employee
were prosecuted.
The ASSURED shall promptly
give notice to the COMPANY of any such suit or legal proceeding and at the request of the COMPANY shall furnish copies of all pleadings
and pertinent papers to the COMPANY. The COMPANY may, at its sole option, elect to conduct the defense of all or part of such legal
proceeding. The defense by the COMPANY shall be in the name of the ASSURED through attorneys selected by the COMPANY. The ASSURED
shall provide all reasonable information and assistance as required by the COMPANY for such defense.
If the COMPANY declines
to defend the ASSURED, no settlement without the prior written consent of the COMPANY nor judgment against the ASSURED shall determine
the existence, extent or amount of coverage under this Bond.
If the amount demanded in
any such suit or legal proceeding is within the DEDUCTIBLE AMOUNT, if any, the COMPANY shall have no liability for court costs
and attorney's fees incurred in defending all or part of such suit or legal proceeding.
If the amount demanded in
any such suit or legal proceeding is in excess of the LIMIT OF LIABILITY stated in ITEM 2. of the DECLARATIONS for the applicable
INSURING CLAUSE, the COMPANY'S liability for court costs and attorney's fees incurred in defending all or part of such suit or
legal proceedings is limited to the proportion of such court costs and attorney's fees incurred that the LIMIT OF LIABILITY stated
in ITEM 2. of the DECLARATIONS for the applicable INSURING CLAUSE bears to the total of the amount demanded in such suit or legal
proceeding.
If the amount demanded is
any such suit or legal proceeding is in excess of the DEDUCTIBLE AMOUNT, if any, but within the LIMIT OF LIABILITY stated in ITEM
2. of the DECLARATIONS for the applicable INSURING CLAUSE, the COMPANY'S liability for court costs and attorney's fees incurred
in defending all or part of such suit or legal proceedings shall be limited to the proportion of such court costs or attorney's
fees that the amount demanded that would be payable under this Bond after application of the DEDUCTIBLE AMOUNT, bears to the total
amount demanded.
Amounts paid by the COMPANY for court
costs and attorneys' fees shall be in addition to the LIMIT OF LIABILITY stated in ITEM 2. of the DECLARATIONS.
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Conditions And Limitations
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Definitions
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1.
As used in this Bond:
a.
Computer
System
means a computer and all input, output, processing, storage, off-line media libraries, and communication facilities
which are connected to the computer and which are under the control and supervision of the operating system(s) or application(s)
software used by the ASSURED.
b.
Counterfeit
means an imitation of an actual valid original
which is intended to deceive and be taken as the original.
c.
Custodian
means the institution designated by an
Investment
Company
to maintain possession and control of its assets.
d.
Customer
means an individual, corporate, partnership, trust customer, shareholder or subscriber of an
Investment Company
which
has a written agreement with the ASSURED for
Voice Initiated Funds Transfer Instruction.
e.
Employee
means:
(1)
an officer of the ASSURED,
(2)
a natural person while in the regular service of the ASSURED at any
of the ASSURED'S premises and compensated directly by the ASSURED through its payroll system and subject to the United States Internal
Revenue Service Form W-2 or equivalent income reporting plans of other countries, and whom the ASSURED has the right to control
and direct both as to the result to be accomplished and details and means by which such result is accomplished in the performance
of such service,
(3)
a guest student pursuing studies or performing duties in any of the
ASSURED'S premises,
(4) an
attorney retained by the ASSURED and an employee of such attorney while either is performing legal services for the
ASSURED,
(5) a
natural person provided by an employment contractor to perform employee duties for the ASSURED under the ASSURED'S
supervision at any of the ASSURED'S premises,
(6) an
employee of an institution merged or consolidated with the ASSURED prior to the effective date of this Bond,
(7) a
director or trustee of the ASSURED, but only while performing acts within the scope of the customary and usual duties
of any officer or other employee of the ASSURED or while acting as a member of any committee duly elected or
appointed to examine or audit or have custody of or access to
Property
of the ASSURED, or
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Conditions And Limitations
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Definitions
(continued)
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(8) each
natural person, partnership or corporation authorized by written agreement with the ASSURED to perform services as electronic data
processor of checks or other accounting records related to such checks but only while such person, partnership or corporation is
actually performing such services and not:
a.
creating, preparing, modifying or maintaining the ASSURED'S computer
software or programs, or
b.
acting as transfer agent or in any other agency capacity in issuing
checks, drafts or securities for the ASSURED,
(9) any
partner, officer or employee of an investment advisor, an underwriter (distributor), a transfer agent or shareholder accounting
recordkeeper, or an administrator, for an
Investment Company
while performing acts coming within the scope of the
customary and usual duties of an officer or employee of an
Investment Company
or acting as a member of any committee
duly elected or appointed to examine, audit or have custody of or access to
Property of an
Investment Company
.
The term
Employee
shall not include any partner, officer or employee of a transfer agent, shareholder accounting recordkeeper or administrator:
a.
which is not an "affiliated person" (as defined
in Section 2(a) of the Investment Company Act of 1940) of an
Investment Company
or of the investment advisor or
underwriter (distributor) of such
Investment Company
, or
b.
which is a "bank" (as defined in Section 2(a) of
the Investment Company Act of 1940). This Bond does not afford coverage in favor of the employers of persons as set forth
in e. (4), (5) and (8) above, and upon payment to the ASSURED by the COMPANY resulting directly from
Larceny
or
Embezzlement
committed by any of the partners, officers or employees of such employers, whether acting alone or
in collusion with others, an assignment of such of the ASSURED'S rights and causes of action as it may have against such
employers by reason of such acts so committed shall, to the extent of such payment, be given by the ASSURED to the COMPANY,
and the ASSURED shall execute all papers necessary to secure to the COMPANY the rights provided for herein.
Each employer of persons as set
forth in
e.(4),
(5) and (8) above and the partners, officers and other employees of such employers shall collectively be
deemed to be one person for all the purposes of this Bond; excepting, however, the fifth paragraph of Section 13.
Independent contractors
not specified in
e.(4),
(5) or (8) above, intermediaries, agents, brokers or other representatives of the same
general character shall not be considered
Employees
.
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Conditions And Limitations
(continued)
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Definitions
(continued)
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f.
Forgery
means the signing of the name of another natural
person with the intent to deceive but does not mean a signature which consists in whole or in part of one's own name,
with or without authority, in any capacity for any purpose.
g.
Investment Company
means any investment company registered
under the Investment Company Act of 1940 and listed under the NAME OF ASSURED on the DECLARATIONS.
h.
Items of Deposit
means one or more checks or drafts drawn upon
a financial institution in the United States of America.
i.
Larceny or Embezzlement
means larceny or embezzlement as defined
in Section 37 of the Investment Company Act of 1940.
j.
Property
means money, revenue and other stamps; securities;
including any note, stock, treasury stock, bond, debenture, evidence of indebtedness, certificate of deposit, certificate of interest
or participation in any profit-sharing agreement, collateral trust certificate, preorganization certificate or subscription, transferable
share, investment contract, voting trust certificate, certificate of deposit for a security, fractional undivided interest in oil,
gas, or other mineral rights, any interest or instruments commonly known as a security under the Investment Company Act of 1940,
any other certificate of interest or participation in, temporary or interim certificate for, receipt for, guarantee of, or warrant
or right to subscribe to or purchase any of the foregoing; bills of exchange; acceptances; checks; withdrawal orders; money orders;
travelers' letters of credit; bills of lading; abstracts of title; insurance policies, deeds, mortgages on real estate and/or upon
chattels and interests therein; assignments of such policies, deeds or mortgages; other valuable papers, including books of accounts
and other records used by the ASSURED in the conduct of its business (but excluding all electronic data processing records); and,
all other instruments similar to or in the nature of the foregoing in which the ASSURED acquired an interest at the time of the
ASSURED'S consolidation or merger with, or purchase of the principal assets of, a predecessor or which are held by the ASSURED
for any purpose or in any capacity and whether so held gratuitously or not and whether or not the ASSURED is liable therefor.
k.
Relative
means the spouse of an
Employee
or
partner of the ASSURED and any unmarried child supported wholly by, or living in the home of, such Employee or partner
and being related to them by blood, marriage or legal guardianship.
l.
Securities, documents or other written instruments
means original
(including original counterparts) negotiable or non-negotiable instruments, or assignments thereof, which in and of themselves
represent an equitable interest, ownership, or debt and which are in the ordinary course of business transferable by delivery of
such instruments with any necessary endorsements or assignments.
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Conditions And Limitations
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Definitions
(continued)
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m.
Subsidiary
means any organization that, at the inception date
of this Bond, is named in the APPLICATION or is created during the BOND PERIOD and of which more than fifty percent (50%) of the
outstanding securities or voting rights representing the present right to vote for election of directors is owned or controlled
by the ASSURED either directly or through one or more of its subsidiaries.
n.
Transportation Company
means any organization which provides
its own or its leased vehicles for transportation or which provides freight forwarding or air express services.
o.
Voice Initiated Election
means any election concerning
dividend options available to
Investment Company
shareholders or subscribers which is requested by voice over the
telephone.
p.
Voice Initiated Redemption
means any redemption of
shares issued by an
Investment Company
which is requested by voice over the telephone.
q.
Voice Initiated Funds Transfer Instruction
means any
Voice Initiated Redemption or Voice Initiated Election
.
For the purposes of these definitions,
the singular includes the plural and the plural includes the singular, unless otherwise indicated.
|
General Exclusions
–
Applicable to AI/Insuring Clauses
|
2.
This bond does not directly or indirectly cover
:
a.
loss not reported to the COMPANY in writing within sixty (60) days
after termination of this Bond as an entirety;
b.
loss due to riot or civil commotion outside the United States of America
and Canada, or any loss due to military, naval or usurped power, war or insurrection. This Section 2.b., however, shall not apply
to loss which occurs in transit in the circumstances recited in INSURING CLAUSE 3., provided that when such transit was initiated
there was no knowledge on the part of any person acting for the ASSURED of such riot, civil commotion, military, naval or usurped
power, war or insurrection;
c.
loss resulting from the effects of nuclear fission or fusion or radioactivity;
d.
loss of potential income including, but not limited to, interest and
dividends not realized by the ASSURED or by any customer of the ASSURED;
e.
damages of any type for which the ASSURED is legally liable, except
compensatory damages, but not multiples thereof, arising from a loss covered under this Bond;
f.
costs, fees and expenses incurred by the ASSURED in
establishing the existence of or amount of loss under this Bond, except to the extent covered under INSURING CLAUSE
11.;
g.
loss resulting from indirect or consequential loss of any nature;
|
Conditions And Limitations
(continued)
|
|
General Exclusions
–
Applicable to AI/Insuring
Clauses
(continued)
|
h.
loss resulting from dishonest acts by any member of the Board
of Directors or Board of Trustees of the ASSURED who is not an
Employee
, acting alone or in collusion with others;
i.
loss, or that part of any loss, resulting solely from any
violation by the ASSURED or by any
Employee
:
(1)
of any law regulating:
a.
the issuance, purchase or sale of securities,
b.
securities transactions on security or commodity exchanges or the
over the counter market,
c.
investment companies,
d.
investment advisors, or
(2)
of any rule or regulation made pursuant to any such law; or
j.
loss of confidential information, material or data;
k.
loss resulting from voice requests or instructions received over the
telephone, provided however, this Section 2.k. shall not apply to INSURING CLAUSE 7. or 9.
|
Specific Exclusions – Applicable To Al/Insuring
Clauses Except Insuring Clause 1.
|
3.
This Bond does not directly or indirectly cover
:
a.
loss caused by an
Employee
, provided, however, this
Section 3.a. shall not apply to loss covered under INSURING CLAUSE 2. or 3. which results directly from misplacement,
mysterious unexplainable disappearance, or damage or destruction of
Property
;
b.
loss through the surrender of property away from premises of the ASSURED
as a result of a threat:
(1)
to do bodily harm to any natural person, except loss of
Property
in transit in the custody of any person acting as messenger of the ASSURED, provided that when such transit was initiated
there was no knowledge by the ASSURED of any such threat, and provided further that this Section 3.b. shall not apply
to INSURING CLAUSE 7., or
(2)
to do damage to the premises or
Property
of the ASSURED;
c.
loss resulting from payments made or withdrawals from any account
involving erroneous credits to such account;
d.
loss involving
Items of Deposit
which are not finally
paid for any reason provided however, that this Section 3.d. shall not apply to INSURING CLAUSE 10.;
|
Conditions And Limitations
|
|
Specific Exclusions – Applicable To Al/Insuring
Clauses Except Insuring Clause 1.
(continued)
|
e.
loss of property while in the mail;
f.
depository institution, its receiver or other liquidator
to payor deliver funds or other
Property
to the ASSURED provided further that this Section 3.f. shall not apply
to loss of
Property
resulting directly from robbery, burglary, misplacement, mysterious unexplainable disappearance,
damage, destruction or removal from the possession, custody or control of the ASSURED.
g.
loss of
Property
while in the custody of a
Transportation
Company
, provided however, that this Section 3.g. shall not apply to INSURING CLAUSE 3.;
h.
loss resulting from entries or changes made by a natural
person with authorized access to a
Computer System
who acts in good faith on instructions, unless such instructions
are given to that person by a software contractor or its partner, officer, or employee authorized by the ASSURED to design,
develop, prepare, supply, service, write or implement programs for the ASSURED's
Computer System
; or
i.
loss resulting directly or indirectly from the input of data
into a
Computer System
terminal, either on the premises of the customer of the ASSURED or under the control of
such a customer, by a customer or other person who had authorized access to the customer's authentication mechanism.
|
Specific Exclusions – Applicable To All Insuring
Clauses Except Insuring Clauses 1., 4., And 5.
|
4.
This bond does not directly or indirectly cover
:
a.
loss resulting from the complete or partial non-payment of or default
on any loan whether such loan was procured in good faith or through trick, artifice, fraud or false pretenses; provided, however,
this Section 4.a. shall not apply to INSURING CLAUSE 8.;
b.
loss resulting from forgery or any alteration;
c.
loss involving a counterfeit provided, however, this Section 4.c.
shall not apply to INSURING CLAUSE 5. or 6.
|
Limit
Of
Liability/Non- Reduction And Non - Accumulation
Of
Liability
|
5.
At all times prior to termination of this Bond, this Bond shall continue
in force for the limit stated in the applicable sections of ITEM 2. of the DECLARATIONS, notwithstanding any previous loss for
which the COMPANY may have paid or be liable to pay under this Bond provided, however, that the liability of the COMPANY under
this Bond with respect to all loss resulting from:
a.
anyone act of burglary, robbery or hold-up, or attempt thereat,
in which no
Employee
is concerned or implicated, or
b.
anyone unintentional or negligent act on the part of anyone
person resulting in damage to or destruction or misplacement of
Property
, or
c.
all acts, other than those specified in a. above, of anyone person,
or
|
Conditions And Limitations
(continued)
|
|
Limit
Of
Liability/Non- Reduction And Non - Accumulation
Of
Liability
(continued)
|
d.
anyone casualty or event other than those specified in a., b., or
c. above,
shall
be deemed to be one loss and shall be limited to the applicable LIMIT OF LIABILITY stated in ITEM 2. of the DECLARATIONS of this
Bond irrespective of the total amount of such loss or losses and shall not be cumulative in amounts from year to year or from
period to period.
All acts, as specified in c.
above, of anyone person which
i.
directly or indirectly aid in any way wrongful acts of any other person
or persons, or
ii.
permit the continuation of wrongful acts of any other person or persons
whether such acts are committed with or without
the knowledge of the wrongful acts of the person so aided, and whether such acts are committed with or without the intent to aid
such other person, shall be deemed to be one loss with the wrongful acts of all persons so aided.
|
Discovery
|
6.
This Bond applies only to loss first discovered by an officer of the
ASSURED during the BOND PERIOD. Discovery occurs at the earlier of an officer of the ASSURED being aware of:
a.
facts which may subsequently result in a loss of a type covered by
this Bond, or
b.
an actual or potential claim in which it is alleged that the ASSURED
is liable to a third party,
regardless of when the act or acts
causing or contributing to such loss occurred, even though the amount of loss does not exceed the applicable DEDUCTIBLE AMOUNT,
or the exact amount or details of loss may not then be known.
|
Notice To Company-Proof
-
Legal Proceedings Against Company
|
7.
a.
The ASSURED shall give the COMPANY notice thereof at the earliest
practicable moment, not to exceed sixty (60) days after discovery of loss, in an amount that is in excess of 50% of the applicable
DEDUCTIBLE AMOUNT, as stated in ITEM 2. of the DECLARATIONS.
b.
The ASSURED shall furnish to the COMPANY proof of loss, duly sworn
to, with full particulars within six (6) months after such discovery.
c.
Securities listed in a proof of loss shall be identified by certificate
or bond numbers, if issued with them.
d.
Legal proceedings for the recovery of any loss under this Bond shall
not be brought prior to the expiration of sixty (60) days after the proof of loss is filed with the COMPANY or after the expiration
of twenty-four (24) months from the discovery of such loss.
e.
This Bond affords coverage only in favor of the ASSURED. No claim,
suit, action or legal proceedings shall be brought under this Bond by anyone other than the ASSURED.
|
Conditions And Limitations
|
|
Notice To Company-Proof
-
Legal Proceedings Against Company
(continued)
|
f
.
Proof of
loss involving
Voice Initiated Funds Transfer Instruction
shall
include electronic recordings of such instructions.
|
Deductible Amount
|
8.
The COMPANY shall not be liable under any INSURING CLAUSES of this
Bond on account of loss unless the amount of such loss, after deducting the net amount of all reimbursement and/or recovery obtained
or made by the ASSURED, other than from any Bond or policy of insurance issued by an insurance company and covering such loss,
or by the COMPANY on account thereof prior to payment by the COMPANY of such loss, shall exceed the DEDUCTIBLE AMOUNT set forth
in ITEM 3. of the DECLARATIONS, and then for such excess only, but in no event for more than the applicable LIMITS OF LIABILITY
stated in ITEM 2. of the DECLARATIONS.
There shall be no deductible
applicable to any loss under INSURING CLAUSE 1. sustained by any
Investment Company
.
|
Valuation
|
9.
BOOKS OF ACCOUNT OR OTHER RECORDS
The value of any loss
of
Property
consisting of books of account or other records used by the ASSURED in the conduct of its business
shall be the amount paid by the ASSURED for blank books, blank pages, or other materials which replace the lost books
of account or other records, plus the cost of labor paid by the ASSURED for the actual transcription or copying of data
to reproduce such books of account or other records.
The value of any loss
of
Property
other than books of account or other records used by the ASSURED in the conduct of its business, for
which a claim is made shall be determined by the average market value of such
Property
on the business day immediately
preceding discovery of such loss provided, however, that the value of any
Property
replaced by the ASSURED with
the consent of the COMPANY and prior to the settlement of any claim for such
Property
shall be the actual market
value at the time of replacement.
In the case of a loss
of interim certificates, warrants, rights or other securities, the production of which is necessary to the exercise of
subscription, conversion, redemption or deposit privileges, the value of them shall be the market value of such privileges
immediately preceding their expiration if said loss is not discovered until after their expiration. If no market price
is quoted for such
Property
or for such privileges, the value shall be fixed by agreement between the parties.
OTHER PROPERTY
The value of any loss
of
Property
, other than as stated above, shall be the actual cash value or the cost of repairing or replacing such
Property
with
Property
of like quality and value, whichever is less.
|
Conditions And Limitations
(continued)
|
|
Securities Settlement
|
10.
In the event of a loss of securities covered under this Bond, the COMPANY
may, at its sole discretion, purchase replacement securities, tender the value of the securities in money, or issue its indemnity
to effect replacement securities.
The indemnity required
from the ASSURED under the terms of this Section against all loss, cost or expense arising from the replacement of securities by
the COMPANY'S indemnity shall be:
a.
for securities having a value less than or equal to the
applicable DEDUCTIBLE AMOUNT - one hundred (100%) percent;
b.
for securities having a value in excess of the DEDUCTIBLE AMOUNT
but within the applicable LIMIT OF LIABILITY - the percentage that the DEDUCTIBLE AMOUNT bears to the value of the
securities;
c.
for securities having a value greater than the applicable LIMIT
OF LIABILITY - the percentage that the DEDUCTIBLE AMOUNT and portion in excess of the applicable LIMIT OF LIABILITY
bears to the value of the securities.
The value referred to in Section
10.a., b., and c. is the value in accordance with Section 9, VALUATION, regardless of the value of such securities at the time
the loss under the COMPANY'S indemnity is sustained.
The COMPANY is not required
to issue its indemnity for any portion of a loss of securities which is not covered by this Bond; however, the COMPANY may do so
as a courtesy to the ASSURED and at its sole discretion.
The ASSURED shall pay the proportion
of the Company's premium charge for the Company's indemnity as set forth in Section 10.a., b., and c. No portion of the LIMIT OF
LIABILITY shall be used as payment of premium for any indemnity purchased by the ASSURED to obtain replacement securities.
|
Subrogation – Assignment - Recovery
|
11.
In the event of a payment under this Bond, the COMPANY shall be subrogated
to all of the ASSURED'S rights of recovery against any person or entity to the extent of such payment. On request, the ASSURED
shall deliver to the COMPANY an assignment of the ASSURED'S rights, title and interest and causes of action against any person
or entity to the extent of such payment.
Recoveries, whether effected
by the COMPANY or by the ASSURED, shall be applied net of the expense of such recovery in the following order:
a.
first, to the satisfaction of the ASSURED'S loss which would
otherwise have been paid but for the fact that it is in excess of the applicable LIMIT OF LIABILITY,
b.
second, to the COMPANY in satisfaction of amounts paid in settlement
of the ASSURED'S claim,
c.
third, to the ASSURED in satisfaction of the applicable DEDUCTIBLE
AMOUNT, and
|
Conditions And Limitations
|
|
Subrogation – Assignment – Recovery
(continued)
|
d.
fourth, to the ASSURED in satisfaction of any loss suffered by
the ASSURED which was not covered under this Bond.
Recovery from reinsurance or
indemnity of the COMPANY shall not be deemed a recovery under this section.
|
Cooperation Of Assured
|
12.
At the COMPANY'S request and at reasonable times and places designated
by the COMPANY, the ASSURED shall:
a.
submit to examination by the COMPANY and subscribe to the same under
oath,
b.
produce for the COMPANY'S examination all pertinent records, and
c.
cooperate with the COMPANY in all matters pertaining to the loss.
The ASSURED shall execute all
papers and render assistance to secure to the COMPANY the rights and causes of action provided for under this Bond. The ASSURED
shall do nothing after loss to prejudice such rights or causes of action.
|
Termination
|
13.
If the Bond is for a sole ASSURED, it shall not be terminated unless
written notice shall have been given by the acting party to the affected party and to the Securities and Exchange Commission, Washington,
D.C., not less than sixty
(60) days prior to the effective date of such termination.
If the Bond is for a joint ASSURED,
it shall not be terminated unless written notice shall have been given by the acting party to the affected party, and by the COMPANY
to all ASSURED
Investment Companies
and to the Securities and Exchange Commission, Washington,
D.C., not less than sixty (60) days prior to the effective date of such termination.
This Bond will terminate
as to anyone ASSURED, other than an
Investment Company
:
a.
immediately on the taking over of such ASSURED by a receiver or
other liquidator or by State or Federal officials, or
b.
immediately on the filing of a petition under any State or
Federal statute relative to bankruptcy or reorganization of the ASSURED, or assignment for the benefit of creditors
of the ASSURED, or
c.
immediately upon such ASSURED ceasing to exist, whether through
merger into another entity, disposition of all of its assets or otherwise.
The COMPANY shall refund the
unearned premium computed at short rates in accordance with the standard short rate cancellation tables if terminated by the ASSURED
or pro rata if terminated for any other reason.
|
Conditions And Limitations
(continued)
|
|
Termination
(continued)
|
If any partner, director,
trustee, or officer or supervisory employee of an ASSURED not acting in collusion with an
Employee
learns of any
dishonest act committed by such
Employee
at any time, whether in the employment of the ASSURED or otherwise, whether
or not such act is of the type covered under this Bond, and whether against the ASSURED or any other person or entity,
the ASSURED:
a.
shall immediately remove such
Employee
from a position
that would enable such
Employee
to cause the ASSURED to suffer a loss covered by this Bond; and
b.
within forty-eight (48) hours of learning that an
Employee
has committed any dishonest act, shall notify the COMPANY, of such action and provide full particulars of such dishonest
act.
The COMPANY may terminate
coverage as respects any
Employee
sixty (60) days after written notice is received by each ASSURED
Investment
Company
and the Securities and Exchange Commission, Washington, D.C. of its desire to terminate this Bond as to such
Employee
.
|
Other Insurance
|
14.
Coverage under this Bond shall apply only as excess over any valid
and collectible insurance, indemnity or suretyship obtained by or on behalf of:
a.
the ASSURED,
b.
a
Transportation Company
, or
c.
another entity on whose premises the loss occurred or which
employed the person causing the loss or engaged the messenger conveying the
Property
involved.
|
Conformity
|
15.
If any limitation within this Bond is prohibited by any law controlling
this Bond's construction, such limitation shall be deemed to be amended so as to equal the minimum period of limitation provided
by such law.
|
Change or Modification
|
16.
This Bond or any instrument amending or affecting this Bond may not
be changed or modified orally. No change in or modification of this Bond shall be effective except when made by written endorsement
to this Bond signed by an authorized representative of the COMPANY.
If this Bond is for a sole ASSURED,
no change or modification which would adversely affect the rights of the ASSURED shall be effective prior to sixty (60) days after
written notice has been furnished to the Securities and Exchange Commission, Washington, D.C., by the acting party.
|
Conditions And Limitations
|
|
Change or Modification (continued)
|
If
this Bond is for a joint ASSURED, no charge or modification which would adversely affect
the rights of the ASSURED shall be effective prior to sixty (60) days after written notice has been furnished to all insured
Investment
Companies
and to the Securities and Exchange Commission, Washington, D.C., by the COMPANY.
|
CHUBB
|
|
ENDORSEMENT/RIDER
|
Effective date of
this endorsement/rider: March 28, 2012
|
|
FEDERAL INSURANCE COMPANY
|
|
|
Endorsement/Rider No.
|
1
|
|
|
|
|
|
To be attached to and
form a part of Bond No.
|
82050480
|
Issued to: EQUUS TOTAL RETURN, INC.
|
|
|
COMPLIANCE WITH APPLICABLE TRADE SANCTION
LAWS
It is agreed that this insurance does not
apply to the extent that trade or economic sanctions or other similar laws or regulations prohibit the coverage provided by this
insurance.
The title and any headings in this endorsement/rider
are solely for convenience and form no part of the terms and conditions of coverage.
All other terms, conditions and limitations
of this Bond shall remain unchanged.
Authorized Representative
CHUBB
|
|
ENDORSEMENT/RIDER
|
Effective date of
this endorsement/rider: March 28, 2012
|
|
FEDERAL INSURANCE COMPANY
|
|
|
Endorsement/Rider No.
|
2
|
|
|
|
|
|
To be attached to and
form a part of Bond No.
|
82050480
|
Issued to: EQUUS TOTAL RETURN, INC.
|
|
|
DELETING VALUATION-OTHER
PROPERTY AND AMENDING CHANGE OR MODIFICATION ENDORSEMENT
In consideration of the premium charged,
it is agreed that this Bond is amended as follows:
1.
|
|
The paragraph titled Other Property
in Section 9, Valuation, is deleted in its entirety.
|
2.
|
|
The third paragraph in Section
16, Change or Modification, is deleted in its entirety and replaced with the following:
|
If this Bond is for a joint ASSURED, no
change or modification which would adversely affect the rights of the ASSURED shall be effective prior to sixty (60) days after
written notice has been furnished to all insured
Investment Companies
and the Securities and Exchange Commission, Washington,
D.C., by the COMPANY.
The title and any headings in this endorsement/rider
are solely for convenience and form no part of the terms and conditions of coverage.
All other terms, conditions and limitations
of this Bond shall remain unchanged.
Authorized Representative
CHUBB
FEDERAL INSURANCE COMPANY
Endorsement No: 3
Bond Number: 82050480
NAME OF ASSURED: EQUUS TOTAL RETURN, INC.
TEXAS
AMENDATORY ENDORSEMENT
It is agreed that this Bond is amended by adding an additional
paragraph to Section 13.,Termination, as follows:
"The COMPANY may not terminate or refuse
to renew this Bond solely because the ASSURED is an elected official."
This Endorsement applies to loss discovered
after 12:01 a.m. on March 28, 2012.
ALL OTHER TERMS AND CONDITIONS OF THIS
BOND REMAIN UNCHANGED.
Date:
March 21,
2012 By
Authorized Representative
CHUBB
|
|
ENDORSEMENT/RIDER
|
Effective date of
this endorsement/rider: March 28, 2012
|
|
FEDERAL INSURANCE COMPANY
|
|
|
Endorsement/Rider No.
|
4
|
|
|
|
|
|
To be attached to and
form a part of Bond No.
|
82050480
|
Issued to: EQUUS TOTAL RETURN, INC.
|
|
|
AUTOMATIC INCREASE IN LIMITS ENDORSEMENT
In consideration
of the premium charged, it is agreed that GENERAL AGREEMENTS, Section C. Additional Offices Or Employees-Consolidation, Merger
Or Purchase Or Acquisition Of Assets Or Liabilities-Notice To Company, is amended by adding the following subsection:
Automatic Increase in Limits for Investment
Companies
If an increase in bonding limits is required
pursuant to rule 17g-1 of the Investment Company Act of 1940 ("the Act"), due to:
(i)
|
|
the creation of
a new
Investment Company
, other than by
consolidation or merger with, or purchase or acquisition of assets or liabilities of, another
institution; or
|
(ii)
|
|
an increase in
asset size of current
Investment Companies
covered under this Bond,
|
then the minimum required increase in limits
shall take place automatically without payment of additional premium for the remainder of the BOND PERIOD.
The title and any headings in this endorsement/rider
are solely for convenience and form no part of the terms and conditions of coverage.
All other terms, conditions and limitations
of this Bond shall remain unchanged.
Authorized Representative
CHUBB
Important Notice:
The SEC Requires Proof of Your Fidelity
Insurance Policy
Your company is now required to file
an electronic copy of your fidelity insurance coverage (Chubb's ICAP Bond policy) to the Securities and Exchange Commission (SEC),
according to rules adopted by the SEC on June 12, 2006.
Chubb is in the process of providing your agent/broker
with an electronic copy of your insurance policy as well as instructions on how to submit this proof of fidelity insurance coverage
to the SEC. You can expect to receive this information from your agent/broker shortly.
The electronic copy of your policy is provided
by Chubb solely as a convenience and does not affect the terms and conditions of coverage as set forth in the paper policy you
receive by mail. The terms and conditions of the policy mailed to you, which are the same as those set forth in the electronic
copy, constitute the entire agreement between your company and Chubb.
If you have any questions, please contact
your agent or broker.
CHUBB
POLICYHOLDER
DISCLOSURE NOTICE
OF TERRORISM INSURANCE OVERAGE
(for policies with no terrorism exclusion
or sublimit)
You are hereby notified
that, under the Terrorism Risk Insurance Act (the "Act"), effective December 26, 2007, this policy makes available to
you insurance for losses arising out of certain acts of terrorism. Terrorism is defined as any act certified by the Secretary of
the Treasury, in concurrence with the Secretary of State and the Attorney General of the United States, to be an act of terrorism;
to be a violent act or an act that is dangerous to human life, property or infrastructure; to have resulted in damage within the
United States, or outside the United States in the case of an air carrier or vessel or the premises of a United States Mission;
and to have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United
States or to influence the policy or affect the conduct of the United States Government by coercion.
You should know that the insurance provided
by your policy for losses caused by acts of terrorism is partially reimbursed by the United States under the formula set forth
in the Act. Under this formula, the United States pays 85% of covered terrorism losses that exceed the statutorily established
deductible to be paid by the insurance company providing the coverage.
However, if aggregate insured losses
attributable to terrorist acts certified under the Act exceed $100 billion in a Program Year (January 1 through December 31), the
Treasury shall not make any payment for any portion of the amount of such losses that exceeds $100 billion.
If aggregate insured losses attributable
to terrorist acts certified under the Act exceed $100 billion in a Program Year (January 1 through December 31) and we have met
our insurer deductible under the Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds
$100 billion, and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures
established by the Secretary of the Treasury.
The portion
of your policy's annual premium that is attributable to insurance for such acts of terrorism is:
$
-0-.
If you have any questions about this notice,
please contact your agent or broker.
CHUBB
Policyholder Information Notice
IMPORTANT NOTICE
|
AVISO IMPORTANTE
|
To obtain information or make a complaint:
|
Para obtener informacion o para someter una
queja:
|
You may call Chubb's toll-free telephone
number for a complaint at
|
Usted puede IIamar al nurnero de telefono
gratis de Chubbs para informacion o para someter una queja al
|
1-800-36-CHUBB
|
1-800-36-CHUBB
|
You may contact the Texas Department
of Insurance to obtain the information on companies, coverage, rights or complaints at
|
Puede comunicarse con el Departamento de Seguros de Texas
para obtener informacion ace rca de compariias coberturas, derechos o quejas al
|
1-800-252-3439
|
1-800-252-3439
|
You may write the Texas Department of Insurance
|
Puede escribir al Departamento de Seguros de Texas
|
P.O. Box 149104
Austin, TX 78714-9104
Fax# (512) 475-1771
PREMIUM OR CLAIM DISPUTES
Should you have a dispute concerning
your premium or about a claim you should contact the agent first. If the dispute is not resolved, you may contact the Texas Department
of Insurance.
ATTACH THIS NOTICE TO YOUR POLICY:
|
P.O. Box 149104
Austin, TX 78714-9104
Fax# (512) 475-1771
DISPUTAS SOBRE PRIMAS
O
RECLAMOS:
Si tiene una
disputa concerniente a su prima o a un reclamo, debe comunicarse con el agente primero. Si no se resueve la disputa,
puede entonces comunicarse con el departamento (TDI).
UNA ESTE AVISO A SU POLlZA:
|
This notice is for information only
and does not become a part or condition of the attached document.
|
Este aviso es solo para proposito de informacion y no se convierte
en parte o condicion del.documento adjunto.
|
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