Fidelity

Commercial Crime Bond
This policy coverage provides protection from losses due to: dishonest or fraudulent acts by employees, forgery or alteration, robbery or burglary on premises or of a messenger, loss of money and securities inside and outside the premises, counterfeit currency, computer fraud and credit card forgery.

Fidelity Bonds for Financial Institutions
This policy provides the protection required by Banking and Financial Institutions while being flexible enough to handle tomorrow's needs. The protection provided is against losses caused by employees and external crime committed by third parties. The Financial Institution Bond is a pure financial loss insurance product, which provides balance sheet protection. Coverage is provided in the following areas:

• Employee Fidelity - covers losses resulting from dishonest and fraudulent acts committed by employees.

• On Premises Loss - covers losses from robbery, burglary, misplacement, mysterious disappearance, damage or destruction of property.

• Loss of Property in Transit - covers property stolen while in the care of a bank employee or in the custody of a transportation company.

• Forgery or Alteration - covers forgery or unauthorized changes to securities or negotiable instruments.

• Currency Coverage - covers losses due to receipt of counterfeit currency issued by any country where the institution maintains a branch office.

• The financial institution bond may be expanded to include other exposures such as unauthorized trading losses and breaches of computer system security.