                               INSURANCE BINDER                  DATE __________

PRODUCER:                                COMPANY:                 BINDER NO:
 _____________________________________   ______________________ ________________
 _____________________________________       EFFECTIVE           EXPIRATION
 _____________________________________     DATE     TIME       DATE      TIME
 _____________________________________   __________________  ___________________
CODE: __________   SUBCODE: __________   _ THIS BINDER IS ISSUED TO EXTEND
                                           COVERAGE PER EXPIRING POLICY NO:
INSURED:                                 _______________________________________
 _____________________________________   DESCRIPTION OF OPERATIONS/VEHICLES
 _____________________________________   _______________________________________
 _____________________________________   _______________________________________
 _____________________________________   _______________________________________
COVERAGES                                                      LIMITS
TYPE OF INSURANCE               COVERAGE/FORMS       AMOUNT  DEDUCTIBLE  COINS
PROPERTY
 _ BASIC _ BROAD _ SPEC  ________________________ $ ________ __________  _______
 _ ____________________  ________________________ $ ________ __________  _______
 _ ____________________  ________________________ $ ________ __________  _______
GENERAL LIABILITY        ________________________ GENERAL AGGREGATE $ __________
 _ COMM GEN LIABILITY    ________________________ PRODUCTS COMP/OPS $ __________
 _ CLAIMS MADE _ OCCUR   ________________________ PERSONAL & AD INJ $ __________
 _ OWNERS & CONTRS PROT  ________________________ EACH OCCURANCE    $ __________
 _ ____________________  ________________________ FIRE DAMAGE       $ __________
 _ ____________________  RETRO DATE _____________ MED EXPENSE       $ __________
AUTOMOBILE LIABILITY     ________________________ COMBINED LIMIT    $ __________
 _ ANY AUTO              ________________________ BODILY INJURY/PER $ __________
 _ ALL OWNED AUTOS       ________________________ BODILY INJURY/ACC $ __________
 _ SCHEDULED AUTOS       ________________________ PROPERTY DAMAGE   $ __________
 _ HIRED AUTOS           ________________________ MEDICAL PAYMENTS  $ __________
 _ NON-OWNED AUTOS       ________________________ PERSONAL INJURY   $ __________
 _ GARAGE LIABILITY      ________________________ UNINSURED MOTOR   $ __________
 _ ____________________  ________________________ _________________ $ __________
AUTO PHYSICAL DAMAGE     _ ALL VEHICLES           _ ACV
 _ COL DEDUCTIBLE _____  _ SCHEDULED VEHICLES     _ STATED AMOUNT   $ __________
 _ OTC DEDUCTIBLE _____  ________________________ _ OTHER _________
EXCESS LIABILITY         ________________________ EACH OCCURANCE    $ __________
 _ UMBRELLA FORM         ________________________ AGGREGATE         $ __________
 _ OTHER THAN UMBRELLA   RETRO DATE _____________ SELF-INSURED RET  $ __________
WORKERS COMPENSATION     ________________________ _ STATUTORY LIMIT
        AND              ________________________ EACH ACCIDENT     $ __________
     EMPLOYERS           ________________________ DISEASE POL LIMIT $ __________
     LIABILITY           ________________________ DISEASE EACH EMPL $ __________
SPECIAL CONDITIONS/OTHER COVERAGES _____________________________________________
 _______________________________________________________________________________
 _______________________________________________________________________________
 _______________________________________________________________________________
 _______________________________________________________________________________
NAME & ADDRESS
 ______________________________________   _ MORTGAGEE   _ ADDITIONAL INSURED
 ______________________________________   _ LOSS PAYEE  _
 ______________________________________  LOAN # _________________________________
 ______________________________________  AUTHORIZED REPRESENTATIVE
