NAPP Plus Endorsement

Supplementary Defense Cost Coverages

In consideration of the premium for which this Insurance is written it is hereby understood and agreed that the following provisions are added at the end of section I.B. of the Policy :

Underwriters agree to pay in addition to the applicable Limit of Liability up to a $10,000 aggregate amount for attorney fees and other costs, expenses or fees resulting from the investigation or defense of a proceeding before any state or federal licensing board, peer review committee or governmental regulatory body incurred as a result of a notice of a proceeding first received by the Assured and reported to Underwriters during the Period of Insurance , arising out of the rendering or failure to render Professional Services by an Assured covered under this Policy . No Deductible will apply to payments made pursuant to this provision.

Underwriters agree to pay in addition to the applicable Limit of Liability up to a $10,000 aggregate amount for attorney fees and other costs, expenses or fees resulting from the defense of copyright violation allegations arising out of any speech, presentation or publication by an Assured under this Policy regarding intellectual property topics, so long as the Claim asserting such allegations is first received by the Assured and reported to Underwriters during the Period of Insurance . No Deductible will apply to payments made pursuant to this provision.

Expanded Definition of Covered Damages

In consideration of the premium for which this Insurance is written it is hereby understood and agreed that the definition of Damages is deleted from Section V of the Policy and replaced with the following:

" Damages " means a monetary judgment, award or settlement, and shall include:

compensatory damages;

damages calculated as a multiple of compensatory damages (where insurable by law);

punitive or exemplary damages (where insurable by law);

pre-judgment interest; and

post-judgment interest that accrues after entry of judgment and before we have paid, offered to pay or deposited in court that part of judgment within the applicable Limit of Liability .

However, Damages shall not include any amounts for which the Assured is not financially liable or for which there is no legal recourse against the Assured , the costs and expenses of complying with any injunctive or other form of equitable relief, the reimbursement of fees, the payment of sanctions, or any other matters that may be deemed uninsurable under the law.

Alternative Dispute Resolution Deductible Reduction

In consideration of the premium for which this Insurance is written it is hereby understood and agreed that the following provision is added at the end of section VII. of the Policy :

In the event that the Assured participates in an arbitration or mediation which results in the full and final resolution a Claim reported to Underwriters during the Period of Insurance , Underwriters agree to waive 50% of the Assured's Deductible obligation.

Deletion of Firm Changes Reporting Requirement

In consideration of the premium for which this Insurance is written it is hereby understood and agreed that paragraph 1. under section XVI. of the Policy is deleted in its entirety.

Increased Warning of Cancellation by Underwriters

In consideration of the premium for which this Insurance is written it is hereby understood and agreed that the phrase "60 days" contained in section XIX.A. of the Policy is deleted and replaced with the phrase "90 days".

NAPP Plus Endorsement (04/10)