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HomeMy WebLinkAboutFIDUCIARY EXPERTS LLC 1-2013INSURANCE ON FILE VvORK MAY PROCEED UNTiL INSURANCE EXPIRES CLERK OF COUNCIL �d, FMsC�� �ICIUC WRY EXPERTS DATE. � -5- /3 r--. N -2013 -012 This Agreement ( "Agreement ") is entered into on �� 2oi3 between City of Santa Ana and Fiduciary Experts LLC. ( "Consultant ") havin s principal office at 238o Treehouse Street, Chula Vista CA 91915, and the City of Santa Ana having its principal place of business at ao Civic Center Plaza, Santa Ana, CA, 9a7oi (hereinafter the "City ") with respect to its 457 Deferred Compensation Plan. The Consultant will provide independent fiduciary services as outlined: FIDUCIARY SERVICES and ADMINISTRATION Phase I - Vendor Restructuring Consultant will be responsible for evaluating different plan options, including but not limited to United States Conference of Mayors Retirement Program. The recommended option must protect the City's rights to manage the plan and fund selection as well as cost benefits to City participants. Such services and steps would include but are not limited to the following: • Consultant will work directly with Great West and provide a recommendation as to the best product for the City that meets the objective as stated above. The City will consider other plan (products and services) structures as recommended by the consultant. Consultant will provide a per participant analysis of the current cost structure to enable City to negotiate terms to competitive market levels. • In order to determine a proper plan structure, the consultant will have authority to negotiate with Great West on costs, services, and terms of current and future agreements. Phase II- Implementation 8z Communication Upon approval by the City Plan Investment Committee (PIC) of the recommended plan structure the Consultant will oversee all vendor relationships and provide due diligence during product implementation. These include: • Define tasks requiring Council action, if any. • Review new Trust Agreement with independent bank (upon PIC approval) to hold assets • Review BFSG's mapping strategy into trust • Oversee transition from annuity products to open architecture fund structure • In conjunction with Great West, develop a marketing campaign and education forum to explain the new product to participants • Upon request meet with employees and all bargaining groups to explain the new plan • Evaluate if excess funds are available and develop plan for refund of excess funds to participants, if applicable. • In conjunction with City staff, review the current committee structure and policies (investment) and implement any new changes including the City's request to include an employee advisory component or communication group. • Phase III - Oversight Management • Upon implementation, the Consultant will oversee all vendor relationships and their reports as part of the due diligence and management oversight of all parties involved with the plan_ During implementation, Fiduciary Experts will, among other things, act as co- fiduciary on all investment ] � P a g c �� IDUCURY EXPER"�S Page 2 of 6 options by providing investment advice on a regular basis to the Plan regarding plan assets in accordance with the provisions of this agreement. Consultant will assist the City with ensuring the Plan is in compliance with the requirements of section 404(c) by ensuring that the fund line up constitutes a broad range of investment alternatives, as defined in regulations section 2550.404(c) -1. Consultant will act as plan co- fiduciary and formalize process necessary to administer and manage plan assets. Consultant will provide calculations and distributions of recommended excess assets to participants as mandated Consultant will monitor the education campaign for participants throughout the year Consultant will monitor maintenance of cost structure and credit component of the plan Additional services that provider offers and customize for participants Consultant will continue to provide a cost assessment of the 457 plan and the internal costs benchmarked and create a full scope analysis of such costs. Consultant will take minutes of all PIC meetings and document process for proper follow up and compliance as it pertains to compliance and management issues associated with plan vendor. Consultant will review BFSG's quarterly investment analysis reports In conjunction with City staff, Consultant will develop an educational framework to educate committee members, city employees, and the City Council regarding being plan fiduciary (quarterly schedule) and fiduciary duties on the plan. Consultant will be available as requested but not less than four times per year to meet with the PIC or other people designated by Executive Director or representative to present the quarterly reports, and to assist committee with any questions or issues that may arise Upon request, Consultant will provide a Request- For- Information or Request for Proposal regarding the Plan in order to provide a fair and competitive analysis of what competitors would be willing to offer the Client as a tool of negotiation with current vendors. Consultant will act as co- fiduciary on all investment options by providing investment advice on a regular basis to the Plans regarding the plan assets in accordance with the provisions of this agreement as necessary. 2�Pa��c IUUCIARY EXPERTS Page 3 of 6 Consultant will perform due diligence and benchmarking of delegated vendors /professionals needed to perform plan administration. Consultant will provide the City additional services by providing a private portal where all documents, minutes, and reports may be accessed and organized as a means to maintain a central location to safely view and file such data. PROFESSIONAL FEES Consultant will perform the services outlined in the Agreement for a flat fee. For Phase I and Phase II not to exceed $10,000, ($5,000 upon the completion of Phase I; $5,000 upon completion or mutual acceptance of completed tasks under Phase II). For Phase III not to exceed $5,000 Consultant will not receive any additional hard or soft - dollar compensation related to the Plan from any other party including, but not limited to any party who is a service provider to the Plan or related to a service provider to the Plan_ EFFECTIVE DATE AND TERM OF AGREEMENT This Agreement shall become effective on the date first written above. The agreement will be for one year (December 31, 2013) or until the total amount of $15,000 has been expended, whichever occurs first. Each party may cancel this Agreement at any time by giving the other party written notice of such termination (30) days prior to the effective date of termination. Upon termination the fees due shall be prorated to the Phase percentage of completion. This Agreement cannot be assigned without the prior written consent of all parties hereto. MISCELLANEOUS Insurance. A. Consultant shall maintain in full force and effect during the term of this Agreement, policies of commercial general liability and automobile liability insurance (each of which shall include property damage and bodily injury) and each with limits of at least $1,000,000 combined single limit coverage per occurrence. B. Consultant shall maintain in full force and effect during the term of this Agreement a policy of professional liability /fiduciary liability insurance coverage for breach of any duty hereinabove described in the Agreement with limits of at least $1,000,000 combined single limit coverage per claim or per occurrence. If Consultant provides claims made professional liability insurance, Consultant shall also agree in writing either (1) to purchase tail insurance in the amount required by this Agreement to cover claims made within five (5) years of 3 � P a" c �O VCtARY EXPERTS Page 4 of 6 the completion of Consultant's service under this Agreement, or (2) to maintain professional liability insurance coverage with the same carrier in the amount required by this Agreement for at least five (5) years after completion of Consultant's services under this Agreement. C. Consultant shall carry and pay for such workers' compensation insurance as is required to fully protect Consultant and its employees under California Worker's Compensation Insurance Law. The insurance company shall agree to waive all rights of subrogation against Client for losses paid under the policy, which losses arose from the work performed by the named insured. D. Other applicable insurance requirements are: (1) Name the City, its officials and employees as an additional insured on the commercial, general and automobile policies_ (2) The insurance shall be issued by a company authorized by the Insurance Department of the State of California and rated A, VII or better (if an admitted carrier) or A -, X (if offered, by a surplus line broker), by the latest edition of Best's Key Rating Guide, except that Client will accept workers' compensation insurance rated B -VIII or better or from the State Compensation Fund. (3) The Insurance shall not be cancelled, except after thirty (30) days written prior notice to the Client; and (4) The commercial general and automobile liability insurance shall each be primary as respects the company of Santa Ana, and any other insurance maintained by the City of Santa Ana shall be in excess of this insurance and not contribute to it. E. Upon execution of this Agreement, Consultant shall provide to Client certificates of insurance and insurer endorsements evidencing the required insurance. Insurer endorsements (or a copy of the policy binder if applicable) shall be provided as evidence of meeting the requirements of Subsections (1)(3) and (4) of Section D above and the waiver of subrogation requirement in Section C above. If self - insured for worker's compensation, Consultant shall submit to Client a copy of its certification of self - insurance issued by the Department of Industrial Relations. California Law. This Agreement shall be construed and interpreted both as to validity and to performance of the parties in accordance with the laws of the State of California Legal actions concerning any dispute, claim or matter arising out of or in relation to this Agreement shall be instituted in the Superior Court of the County of Orange State of Califomia or any other appropriate court in such county, and Consultant covenants and agrees to submit to the personal jurisdiction of such court in the event of such action. Integrated Agreement. This Agreement contains all of the agreements of the parties and cannot be amended or modified except by written agreement. Amendment. This Agreement may be amended at any time by the mutual consent of the parties by an instrument in writing. Severability. In the event that any one or more of the phrases, sentences, clauses, paragraphs, or sections contained in this Agreement shall be declared invalid or unenforceable by valid 4 � P u g c �""" -eft' IUUC�ARY EXPERTS Page 5 of 6 judgment or decree of a court of competent jurisdiction, such invalidity or unenforceability shall not affect any of the remaining phrases, sentences, clauses, paragraphs, or sections of this Agreement, which shall be interpreted to carry out the intent of the parties hereunder. Corporate Authority. The persons executing this Agreement on behalf of the parties hereto warrant that they are duly authorized to execute this Agreement on behalf of said parties and that by so executing this Agreement the parties hereto are formally bound to the provisions of this Agreement. Fiduciary Status. Consultant hereby acknowledges and agrees that it will be a fiduciary of the Plan under ERISA and that it will perform its duties under the Agreement: (a) in accordance with the provisions of the documents and instruments governing the Plan insofar as such documents and instruments are consistent with E12ISA, (b) with the care, skill, prudence and diligence required of a fiduciary of a plan subject to ERISA, and (c) for the exclusive purpose of providing benefits to the Plan participants and beneficiaries and defraying reasonable expenses of administering the Plan provided however, that to the extent the governing documents and instrument of the Plan allow Client to indemnify and hold harmless any person providing any services to Client and /or the Plan, Consultant specifically agrees that any such provision shall not apply to any services provided under this Agreement and that Consultant waives any such right, claim or demand for indemnification in connection with services provided under the Agreement. The parties acknowledge and agree that Consultant's services do not encompass any services in any capacity other than as described hereinabove and that Consultant has not been retained to, and will not, provide any services to Client in Client's settlor capacity. Securities Law Fiduciary Status. Consultant hereby acknowledges and agrees that it is an investment adviser under the Investment Advisers Act of 1940, and that as such, it has a fiduciary duty to provide disinterested advice and disclose any material conflicts of interest to Client. Adviser Independence. Neither Consultant nor any of its employees has a "material relationship," financial or otherwise, with any mutual fund or manager of any other investment vehicle that Consultant will recommend, consider for recommendation, or otherwise mention to Client for consideration. For this purpose, "material relationship" is any relationship that may affect the objectivity of the advice that Consultant provides under the terms of this Agreement. Fiduciary Liability Insurance. Consultant warrants and represents that is carries fiduciary liability insurance which covers breach of any duty hereinabove described in the Agreement. S � P a g e �oucuxr Exrea�s Page 6 of 6 EXECZITION If the terms of this Agreement are acceptable to the company and the above services are in accordance with your understanding, please sign this letter in the space provided and return it to Fiduciary Experts at the address listed above. Fax to: 888- 668 -4015. ACCEPTED AND AGREED: Fiduciary Experts LLC. �� By: r' el Larios Title: City of Santa Ana -- By��_ cwt � �1��>� Paul M. Walters City Manager Attest: Maria D. Huizar Clerk of the Council Recommended for Ap royal: .� �' C�L1m a� a s . � Francisco Gutierrez Executive Director — FMSA Approved as to Form: Sonia R. Carvalho Cit Attorney B Jose Sandova ief Assistant City Attorney 6 � N a� c n�A H I c � ^�/ HISCOX INSURANCE COMPANY INC. (A Stock Company) J V/� 233 North Michigan Avenue, Suite 1840 Chicago Illinois 60601 Certificate of Commercial General Liability Insurance This certificate is issued for informational purposes only_ It certifies that the policies listed in this document have been issued to the Named Insured. It does not grant any rights to ar,y party nor can it be used, in any way, to modify coverage provided by such policies. Alteration of this certificate does not change the terms, exclusions or conditions of such policies. Coverage is subject to the provisions of the policies, including any exclusions or conditions, regardless of the provisions of any other contract, such as between the certificate holder and the Named Insured. The limits shown below are the limits provided at the policy inception. Subsequent paid claims may reduce these limits. Named Insured: Insurer Name: Policy Number: Type of Coverage: Policy Effective Date: Limits of Insurance Each Occurrence: I FIDUCIARY EXPERTS LLC I Hiscox Insurance Company Inc. U D C- 1249775 -C G L -1 2 Occurrence December 15, 2012 Damage to Premises Rented to You: Medical Expense: Personal &Advertising Injury: General Aggregate: Products /Completed Operations Aggregate: General Aggregate Limit applies per: Description of Endorsements /Special Provisions Not applicable Policy Expiration Date: � December 15, 2013 $ 1 ,000,000 $ 100,000 Any one premises $ 5,000 Any one person $ 1 ,000,000 $ 2,000,000 Products - completed operations are subject to the General Aggregate Limit Policy ¢�� Additional Insured Status ��e ✓� Certificate holder maintains Additional Insured Status if this boxed checked. This certificate does not grant any coverage or rights to the certificate holder. If this certificate indicates that th ificate holder is an additional insured, the policy(ies) must either be endorsed or contain spe -cific language providing the certificate holder with additional insured status. The certificate holder is an additional insured only to the extent indicated in such policy language or endorsement. Cancellation In the event of cancellation of any policy described above, the insurer will attempt to mail 1 O days written notice to the certificate holder prior to the effective date of cancellation. However, failure to do so will not impose any duty or liability upon the insurer, its agents or representatives, nor will it delay cancellation. CG DS 01 01 y0 Includes copyrighted material of Insurance Services Office, Inc., with Page 4 its permission. ©ISO Properties, Inc., 2000 ��A H I SCOX HISCOX INSURANCE COMPANY INC. (A Stock Company) 233 North Michigan Avenue, Suite 1840 Chicago Illinois 60601 City of Santa Ana, Its employees, and council members while acting under the direction of the City of Santa Ana Certificate Holder � ���� Authorized Representative December 19, 2012 Date December 19, 2012 Date CG DS 01 01 1 O Includes copyrighted material of Insurance Services Office, Inc., with Page 5 its permission. ©ISO Properties, Inc., 2000 GEICO GEICO GENERAL INSURANCE COMPANY Washington DC VERIFICATION OF COVERAGE (SEE BELOW UNDER CAUTIONARY NOTE) INSURED Policy Number: 4214876908 Effective Data: 02 -11 -13 MARIBEL LARIOS ExpirationDate:08 -11 -13 2380 TREEHOUSE ST Regi3tered State:CALIFORN IA HULA VTSTA_ CA l l -7 R0 To whom it may concern: This letter is to verify that we have issued the policyholder coverage under the above policy number for the dates indicated in the efEec Live and expiration dato fields for the vehicle listed. This should serve as proof that the below mentioned vehicle meets or exceeds the financial responsibility requirement for your state. This verification of coverage does not amend, extend or alter the coverage afforded by this policy Vehicle Year: 2006 Make: BMW Model: 3 3 O VIN: WBAVB33556ic536470 CC}VERAGES BODILY INJURY LIABILITY PROPERTY DAMAGE LIABILITY UNINSURED &UNDERINSURED MOTORISTS COMPREHENSIVE COLLISION _ Lienholder Additional Insured CITY OF SANTA ANA 2O CIVIC CENTER PLAZA ITS EMPLOYEES AND COUNCIL MEMB GANTA ANA , �A g 7 7 0 l- 0 000 Additional Information: LIMITS $1MIL /$1MIL $10,000 $15,000/$30,000 If you have any additional questions, please call 1 -800- 841 -3000. �_ Interested tarty DEDLJC'I'IBLES $1,000 DED $1,000 DED O FOg� S A�totsey, c��y CAUTIONARY NOTE: THE CURRENT COVERAGES, LINIITS, AND DEDUCTIBLES MAY DIFI�'ER FROM THE COVERAGES, LIIOIITS, AND DEDUCTffiLES IN EFFECT AT OTHE] IINIES DURING THE POLICY PERIOD. THIS VERIETCATION OF COVERAGE REFLECTS THE COVERAGES, LINIITS AND DEDUCTffiLES AS OF THE ISSUED DATE OF THIS DOCUMENT WHICH IS SHOWN UNDER °ADDITIONAL INFORMATION" OR IF'AN ISSUED DATE IS NOT SHOLVN, THE DATE OF THIS FACSIIVIIL.E. U -33 10 -07 CERTIFICATE OF INSURANCE NOTICE: THIS INSURANCE PROVIDES COVERAGE ON A CLAIMS -MADE AND REPORTED BASIS AND, SUBJECT TO THE PROVISIONS OF THE POLICY, APPLIES ONLY TO ANY CLAIM FIRST MADE AGAINST AN INSURED AND REPORTED TO THE INSURER IN ACCORDANCE WITH SECTION VII, NOTICE. NO COVERAGE EXISTS FOR CLAIMS FIRST MADE AFTER THE END OF THE CERTIFICATE PERIOD UNLESS, AND TO THE EXTENT THAT, THE EXTENDED REPORTING PERIOD APPLIES. DEFENSE COSTS REDUCE THE LIMIT OF LIABILITY AND ARE SUBJECT TO THE RETENTION. PLEASE REVIEW THE POLICY CAREFULLY AND DISCUSS THE COVERAGE WITH YOUR INSURANCE AGENT OR BROKER. THIS CERTIFICATE OF INSURANCE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND, OR ALTER THE COVERAGE AFFORDED BY THE INSURANCE POLICY. NAMED INSURED: MARIBEL LARIOS PRODUCER: Marsh U.S. Consumer a service of Seabury 8c Smith, Inc. 2380 Treehouse Street P.O. Box 8146 Chula Vista, CA 9'19'1 5 Des Moines, IA 50306 -8146 1- 866 - 795 -2041 COMPANY AFFORDING COVERAGE: Continental Casualt Co. COVERAGE THIS IS TO CERTIFY THAT THE INSURED LISTED ABOVE IS COVERED UNDER THE POLICY OF INSURANCE LISTED BELOW, FOR THE CERTIFICATE PERIOD INDICATED. THE INSURANCE AFFORDED BY THE POLICY DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICY. Policy Number Certificate Certificate Period Limits of Liability Number Effective Oate Expiration date $ 1 , 000, 000 Each C /aim $ x,000,000 Aggregate This policy is also subject to a Policy Year aggregate limit of liability of $ 7 5.000.000 The Policy Year aggregate limit of liability will be 425236695 RIA'1755 07/20/20'12 07/20/20'13 reduced by claims paid on behalf of all Insureds under the policy, including you. The Policy Year aggregate limit includes the total /aggregate T� ORM per claim P,ppRV � U AS limits of the insurer regardless of the total number of Insureds under the Policy, the total number of Certificates ✓c� cTs � S�til� of Insurance issued under the policy, ey Claims made under the policy, or City Atto persons or entities bringing such p sistant Claims. Retention: Securities (other than Mutual $ 5,000 Each Claim Funds /Variable Annuities), Investment Advisor Services, Fiduciar Advisor Mutual Funds /Variable Annuities sold $ 5,000 Each Claim through any Broker /Dealer GSL2008XX 1L -2010 _.� gym- �" .� Life, Accident, Health and Long Term Care Products through any Insurance Indexed Annuities /Fixed Annuities Disability Income Insurance: NOTICE OF CLAIMS: Claims Notices: 500 Each Claim $ 2,500 Each Claim $ 2,500 Each Claim RIA Agent Intake Notice Administrator CNA Global Specialty 40 Wall Street, 8th Floor New York, NY '10005 Named /nsured's Endorsements attached at Certificate /nception: GSL19959XXC (12 -10) GSL11563XXC (11 -08) GSL21562XX (09 -10) GSL23422XXC X72 -70� OATE.' 07/20/20'12 BY.' �' � / � ' Authorized Representative The Company affording coverage hereby certifies that the Named Insured named herein is insured under the Policy referenced above_ The limits of liability, premium and effective date of coverage applicable to such Named Insured are as specified above. This certificate of insurance is not the contract of insurance. It is merely evidence of insurance provided under the Master Policy. All claims are paid according to the term of the Master Policy. A copy of such policy and any endorsements thereto is available at www. eoforless .com_ Keep this document in a safe place. It is evidence of your insurance coverage. GSL2008XX 12 -2010 V 111' / -5 -0/? . CERTIFICATE OF INSURANCE NOTICE: THIS INSURANCE PROVIDES COVERAGE ON A CLAIMS -MADE AND REPORTED BASIS AND, SUBJECT TO THE PROVISIONS OF THE POLICY, APPLIES ONLY TO ANY CLAIM FIRST MADE AGAINST AN INSURED AND REPORTED TO THE INSURER IN ACCORDANCE WITH SECTION VII, NOTICE. NO COVERAGE EXISTS FOR CLAIMS FIRST MADE AFTER THE END OF THE CERTIFICATE PERIOD UNLESS, AND TO THE EXTENT THAT, THE EXTENDED REPORTING PERIOD APPLIES. DEFENSE COSTS REDUCE THE LIMIT OF LIABILITY AND ARE SUBJECT TO THE RETENTION. PLEASE REVIEW THE POLICY CAREFULLY AND DISCUSS THE COVERAGE WITH YOUR INSURANCE AGENT OR BROKER. THIS CERTIFICATE OF INSURANCE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND, OR ALTER THE COVERAGE AFFORDED BY THE INSURANCE POLICY. MED INSURED: Maribel Larios PRODUCER: Mercer Consumer, a service of Mercer Health & Benefits Administration LLC P,0. Box 8146 ADDRESS,. 29250 Wrangler Drive Des Moines, IA 50306 -8146 Murrieta, CA 92563 1 -866- 795 -2041 COMPANY AFFORDING COVERAGE: Continental Casualty Co. COVERAGE THIS IS TO CERTIFY THAT THE INSURED LISTED ABOVE IS COVERED UNDER THE POLICY OF INSURANCE LISTED BELOW, FOR THE CERTIFICATE PERIOD INDICATED. THE INSURANCE AFFORDED BY THE POLICY DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICY. Policy Number Certificate Certificate Period Limits of Liability Number Effective Date Expiration Date $ 1,000,000 Each Claim 425236695 RIA2103 08/12/2014 0811212015 $ 1,000,000 Aggregate This policy is also subject to a Policy Year '.. aggregate limit of liability of $ 15,000,000 The Policy Year aggregate limit of liability will be reduced by claims paid on behalf of all Insureds under the policy, including you. The Policy Year aggregate limit includes the total per claim /aggregate limits of the insurer regardless of the total number of Insureds under the Policy, the total number of Certificates of Insurance issued under the policy, Claims made under the policy, or persons or entities bringing such Claims. Retention: Securities (other than Mutual Funds /Variable Annuities /Variable Insurance), Investment Advisory Variable Annuities /Variable Insurance (that requires a securities license) and GSL20081XX 06 -2012 $ 5,000 Each Claim $ 5,000 Each Claim r sold through any Broker /Dealer Life, Accident, Health Insurance and Long T erm Care Products through any $ 500 Each Claim Insurance Company (that does not require a securities license) Indexed Annuities /Fixed Annuities I $_2,500 Each Claim Disability Income Insurance $_2,500 Each Claim NOTICE OF CLAIMS: Claims Notices: CANEWCLAIMS@CNA.COM Registered Investment Advisor Intake Notice Administrator CNA Specialty Claim PO Box 8317 Chicano. IL 60680 -8317 Named Insured's Endorsements attached at Certificate Inception. GSL19959XX (06 -12) GSL23422XXC (12 -10) GSLI1563XXC (11 -08) GSL21562XX (09 -10) CNA70262XX (09 -12) CNA70925XX (09 -12) CNA70926XX (09 -12) CNA71173XX (10 -12) GSL7805CA (10 -08) CNA73494XX (04 -13) CNA70262XX (06 -13) CNA74276XX (06 -13) DATE 08/12/2014 1I BY., C)r1a,.."_ Authorized Re) The Company affording coverage hereby certifies that the Named Insured named herein is insured under the Policy referenced above. The limits of liability, premium and effective date of coverage applicable to such Named Insured are as specified above. This certificate of insurance is not the contract of insurance. It is merely evidence of insurance provided under the Master Policy. All claims are paid according to the term of the Master Policy. A copy of such policy and any endorsements thereto is available at www.eoforiess.com. Keep this document in a safe place. It is evidence of your insurance coverage. '411_ 9 o 13 - o -.;- H I C J CO� HISCOX INSURANCE COMPANY INC. (A Stock Company) 104 South Michigan Avenue, Suite 600 Chicago Illinois 60603 Certificate of Commercial General Liability Insurance This certificate is issued for informational purposes only. It certifies that the policies listed in this document have been issued to the Named Insured. It does not grant any rights to any party nor can it be used, in any way, to modify coverage provided by such policies. Alteration of this certificate does not change the terms, exclusions or conditions of such policies. Coverage is subject to the provisions of the policies, including any exclusions or conditions, regardless of the provisions of any other contract, such as between the certificate holder and the Named Insured. The limits shown below are the limits provided at the policy inception. Subsequent paid claims may reduce these limits. Named Insured: Insurer Name: Policy Number: Type of Coverage: Policy Effective Date: Limits of Insurance Each Occurrence: FIDUCIARY EXPERTS LLC Hiscox Insurance Company Inc. UDC - 1249775- CGL -14 Occurrence December 15, 2014 Policy Expiration Date: December 15, 2015 Damage to Premises Rented to You: Medical Expense: Personal & Advertising Injury: General Aggregate: Products /Completed Operations Aggregate: General Aggregate Limit applies per: Is 1,000,000 $ 100,000 Any one premises $ 5,000 Any one person $ 1,000,000 $ 2,000,000 Products - completed operations are subject to the General Aggregate Limit Policy Description of Endorsements /Special Provisions Not applicable Additional Insured Status ® Certificate holder maintains Additional Insured Status if this boxed checked. This certificate does not grant any coverage or rights to the certificate holder. If this certificate indicates that the certificate holder is an additional insured, the policy(ies) must either be endorsed or contain spe -cific language providing the certificate holder with additional insured status. The certificate holder is an additional insured only to the extent indicated in such policy language or endorsement. Cancellation In the event of cancellation of any policy described above, the insurer will attempt to mail 10 days written notice to the certificate holder prior to the effective date of cancellation. However, failure to do so will not impose any duty or liabil�) upon the insurer, its agents or representatives, nor will it delay cancellation. - ( 4j'h^9° � da'J 1 CG DS 01 01 10 Includes copyrighted material of Insurance Services Office, Inc., with Page 4 ' its permission. © ISO Properties, Inc., 2000 AM HISCOX HISCOX INSURANCE COMPANY INC. (A Stock Company) 104 South Michigan Avenue, Suite 600 Chicago Illinois 60603 City of Santa Ana, Its employees, and council members while acting under the direction of the City o Certificate Holder Authorized Representative April 13, 2015 Date April 13, 2015 Date CG DS 01 01 10 Includes copyrighted material of Insurance Services Office, Inc., with Page 5 its permission. © ISO Properties, Inc., 2000 GEICO GEICO GENERAL INSURANCE COMPANY (i t Washington 00 VERIFICATION OF COVERAGE (SEE :BELOW UNDER CAUTIONARY NO'PE) INSURED Policy Number: 4214876908 Effective Date: 03 -06 -15 MARIBEL LARIOS Expiration Date: 09 -06 -15 29250 wrangler Or Registered State: CALIFORNIA MHrrieta CA 97563 To whom it may concern: This letter is to verify that we have issued the policyholder coverage under the above policy number for the dates indicated in the effec- tive and expiration date fields for the vehicle listed. This should serve as proof that the below mentioned vehicle meets or exceeds the Financial responsibility requirement for your state. This verification of coverage does not amend, extend or alter the coverage afforded by this policy. Vehicle Year: 2006 Make: BMW Model: 330 VIN:WBAVB33556KS36470 COVERAGES BODILY INJURY LIABILITY PROPERTY DAMAGE LIABILITY UNINSURED &UNDERINSURED MOTORISTS COMPREHENSIVE COLLISION Lienholder Additional Insured CITY OF SANTA ANA ITS EMPLOYEES AND COUNCIL MEMB 20 CIVIC CENTER PLAZA SANTA ANA, CA 97701 -0000 Additional Information: LIMITS DEDUCTIBLES $1MIL /$1MIL $10,000 $15,000/$30,000 $1,000 DED $1,000 DED If you have any additional questions, please call 1- 800.841 -3000. X_ Interested Party CAUTIONARY NOTE: THE CURRENT COVERAGES, LE rS, AND DEDUCTMLES MAYDIFFER FROfrI'THE COVERAGES, LIJ IITS,AND DEDUCTIBLES IN EFFECT AT OTHER TEVICS DURHNG'TIM POLICYPERIOD. THIS VERIFICATION OF COVERAGE RETLECTS THE COVERAGES, LIMITS AND DEDUCTIBLES AS OF THE ISSUES) DATE OF THIS DOCUMENT WHICH IS SHOWN UNDER "ADDTTIONAX.INFORM &rXON" OR MAN ISSUED DATE IS NOT SHOWN, THE DATE OF THIS FACSIMILE. U -33 10 -07 yJ �F GEICO, California Evidence of Liability Insurance Evidence of Insurance 1 -800- 841 -3000 �C��CO.4`rar'rb Here are your Evidence of Liability Insurance GEICO GENERAL INSURANCE COMPANY Cards. One card must be carried In the proper PO BOX 509090 SAN DIEGO, CA 92150 9090 insured vehicle. Proof of insurance is required I Code: 35882 to register or renew the registration of your Policy Number Effective Date Expiration Date vehicle. A law enforcement officer can ask you 4214876908 09 -06 -15 to prove that you have liability insurance meeting Year Make IVAodel Vehicle ID No. the basic requirements of California law. 2006 BMW 330 ! WBAVB33556KS36470 A violation of these requirements can result in a fine Insured: of up to: oo MARIBEL LARIOS $1 ,000 for the first time 2380 TREEHOUSE ST i. $2,000 for additional times CHULA VISTA, CA 91915 -1800 Also, a judge can have your vehicle Impounded. False proof of insurance may result in a fine up to $750 and 30 days in prison. The covered. promded bylhi. policy m.ets the minimum requirements otscamn,; 1600, &165oo 5 oche camornla Due to space limitations on the ID card, only the Vehicle Cod., minimum liability l lmns proscrlbed by l aim. Named Insured and the Co- insured are listed. Fora full list of drivers covered under this policy, please reference the Drivers sectlon of your Declaratlons Page,which is included with your insurance packet. If you would like additional ID cards you can go online to geico.com or call us at 1- 800 - 841 -3000. What to do at the time of an accident. • Do not admit fault. • Do not reveal the limits of your liability coverage to anyone. • Exchange contact information; get year, make, model, plate number, insurance carrier and policy number of all involved. Also, identify witnesses and collect contact information. • Contact the police or 911 if applicable. • Contact GEICO by calling 1- 300.041.3000 or visit geico.com to report the accident. U -4 -CA (11 -09)