HOME OFFICE 11880 COLLEGE BLVD. SUITE 500 OVERLAND PARK, KS 66210 ( 800 ) 351 -1411

NASSP LEGAL ASSISTANCE POLICY DECLARATIONS THIS IS A CLAIMS MADE AND REPORTED POLICY. PLEASE READ IT CAREFULLY.

POLICY NUMBER: SSP 0000100 RENEWAL OF:

SSP 0000100

In consideration of the payment of premium when due, it is agreed and understood that, solely with respect to the Insureds set forth in the Master Membership List of Insured Members maintained by NASSP, the ASSOCIATION OF PUBLIC AND PRIVATE EDUCATORS PROGRAM applies as specified in the NASSP LEGAL ASSISTANCE POLICY on Form 4194 PL.

ITEM 1. PURCHASING GROUP AND MAILING ADDRESS Association of Public and Private Educators Purchasing Group Trust c/o United Missouri Bank of Kansas City Kansas City, Missouri 64108

ITEM 2. ASSOCIATION:

GENERAL AGENT NAME AND ADDRESS Forrest T. Jones & Company, Inc. P.O. Box 418131 Kansas City, Missouri 64141-9131

NATIONAL ASSOCIATION OF SECONDARY SCHOOL PRINCIPALS (NASSP)

ITEM 3. ASSOCIATION MAILING ADDRESS:

1904 Association Drive, Reston, VA 20191-1537

ITEM 4.A. POLICY PERIOD as shown in the Master Membership List of Insured Members. ( Month, Day and Year )

Inception:

ITEM 4.B. RETROACTIVE DATE:

7/1/07

Expiration:

7/1/08

7/1/03 As shown in the Master Membership List of Insured Members. If no date is stated, the Retroactive Date is the Inception Date in Item 4.A..

ITEM 5. LIMITS OF LIABILITY - LEGAL ASSISTANCE COVERAGE - SUBJECT TO $500.00 DEDUCTIBLE A. $ 10,000

Per Proceeding and Annual Aggregate Limit per Insured Member

B. $ 500,000

Policy Year Defense Expenses Aggregate for All Proceedings, for All Insured Members, Combined

ITEM 6. Surplus Lines Producer - Notice of Claim Shall Be Given To: David J. Smith c/o FORREST T. JONES & COMPANY, INC. Attn: Professional Liability Claim Department P.O. Box 418131 Kansas City, MO 64141-9131 Phone: (800) 821-7303

ITEM 7. PREMIUM: $ 214,952 ITEM 8. FORMS AND ENDORSEMENTS ATTACHED AT INCEPTION DATE: See attached forms list

(Authorized Signature)

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(Date)

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NASSP LEGAL ASSISTANCE EXCESS CLAIMS-MADE POLICY

HOME OFFICE: OVERLAND PARK, KANSAS

ASSOCIATION OF PUBLIC AND PRIVATE EDUCATORS NASSP LEGAL ASSISTANCE POLICY (EXCESS CLAIMS MADE POLICY) THIS IS A CLAIMS MADE POLICY. PLEASE READ ALL PROVISIONS AND CONTACT YOUR AGENT IF YOU HAVE QUESTIONS. YOUR POLICY LIMITS COVERAGE ONLY TO DEFENSE EXPENSES INCURRED AS A RESULT OF PROCEEDINGS THAT LEAD TO CLAIMS WHICH OCCUR DURING THE POLICY PERIOD ARISING OUT OF EVENTS WHICH OCCUR SUBSEQUENT TO THE RETROACTIVE DATE. IN ADDITION, YOUR POLICY SPECIFIES THAT COVERAGE IS FOR REIMBURSEMENT OF DEFENSE EXPENSES ONLY. INSURANCE AGREEMENTS Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and what is not covered. Throughout this policy the words you and your refer to the named Insured(s) listed in the Master Membership List of Insured Members as maintained by the Association, and any other person or organization qualifying as an Insured under this policy. The words we, us and our refer to SAVERS PROPERTY & CASUALTY INSURANCE COMPANY as shown on the Declarations Page. The word Insured means any person qualifying as such under Section III. WHO IS AN INSURED. Other words and phrases that appear in bold are defined in Section II. DEFINITIONS of this policy, in the context of other terms and conditions of the policy, and any endorsements attached to the policy. In consideration of the payment of the premium when due, and: a.

In reliance upon the statements made in the Application; and

b.

Subject to the Limits of Liability, Deductibles, Exclusions, Definitions, Conditions and all other terms of this policy, including those modified, replaced or added by endorsements we issue forming a part of this policy;

We agree with you as follows: I.

COVERAGE A. We will reimburse you for Defense Expenses incurred in due process and job protection Proceedings involving your position as a school principal, assistant principal or as a professional educator employed in an administrative capacity as it relates to this coverage. B. Coverage under Section I. COVERAGE A. applies to Proceedings and Claims that take place:

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1.

During the Policy Period, or

2.

Arising out of Events subsequent to the Retroactive Date, if applicable, set forth in the Declarations and prior to the end of the Policy Period, provided that: a. An Insured did not notify any insurer under any prior policy or policies of such Events, Claims or Proceedings; b. Prior to the inception date of this policy, no Insured knew or should have known of an Event which could result in a Proceeding against an Insured; c.

The Insured has no other policy or policies that provide insurance for such Proceeding; and further provi ded that:

d. The Insured was an Association Member: i.

At the time the incident giving rise to the Proceeding took place;

ii. When the request for coverage herein is first made; and iii.

Continuously thereafter throughout the Proceeding.

C. The amount of Defense Expenses for which we will reimburse you is limited as described in Section VI. LIMIT OF LIABILITY. We shall not be obligated to pay Defense Expenses under Section I. COVERAGE A. after the respective applicable limit of our liability for the foregoing has been exhausted by such payment. D. This policy applies to covered due process and job protection Proceedings, which take place within the United States of America, its territories or possessions, Puerto Rico or Canada. II. DEFINITIONS When used in reference to this policy, including any attachment forming a part of the policy: A. Association shall mean the National Association of Secondary School Principals as shown in the Declarations. B. Claim shall mean a demand by the Insured for Defense Expenses arising out of the institution of a Proceeding. C. Damages shall mean a monetary judgment, award or settlement of any kind, including fines, penalties or punitive damages. D. Defense Expenses shall mean the reasonable and necessary hourly attorney fees and expenses incurred by the Insured Member in the investigation, negotiation, arbitration, settlement and defense of any Proceeding otherwise covered by this policy. Defense Expenses do not include flat fee retainers or percentage agreements with attorneys, and Defense Expenses are not Damages. E. Event shall mean an occurrence which causes a Proceeding. F. Insured shall mean each person designated as such in Section III. WHO IS AN INSURED. G. Member shall mean each person listed in the Master Membership List of Insured Members, who is a member in good standing of the Association, either at the inception of this policy or who becomes a member during the policy term when the Association notifies us within 90 days of such membership that coverage under this policy for the member is requested. H. Policy Period shall mean the period beginning with the inception date shown in the Declarations and ending with the earlier of: 1.

The date of cancellation of this policy; or

2.

The expiration date shown in the Declarations.

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I.

Proceeding shall mean for due process or job protection proceedings, the institution of an action by your employer that violates your due process rights related to your employment or the institution of an action by your employer involving a threatened job action that could lead to your termination, demotion, involuntary transfer, suspension or other disciplinary action.

J.

Retroactive Date shall mean the specific date entered in the Declarations, or if no entry, the policy Inception Date of the policy shown in the Declarations.

III. WHO IS AN INSURED Each of the following in an Insured under the policy to the extent set forth below: A. The Association, but only for the limited purposes stated in Section V. CONDITIONS C., H. and I. of this policy. B. Each Member designated as such, at the inception date of this policy, in the Master Membership List of Insured Members maintained by the Association. C. Any other person who becomes a Member of the Association after the effective date of this policy; provided the Association notifies us, within 90 days after the effective date of membership in the Association, of its election to have such Member covered under this policy. IV. EXCLUSIONS With respect to coverage provided under Section I. COVERAGE A., we shall not be obligated to reimburse the Member in connection with any Defense Expenses for or arising out of: A. Bargaining unit negotiations. B. Criminal suits, proceedings or actions. C. Circumstances, Claims, Proceedings or suits in which the defense of the Member is the legal liability or responsibility of another, such as the Member's employer. D. Member-initiated civil suits. E. Changes in the Member's job, position or benefits resulting from a reduction in force. F. Any of your activities as an employee of a private school system, agency or organization in which you hold an ownership interest. G. The reoccurrence of matters for which the policy has previously provided reimbursement. H. Management decisions, where the responsibility for such management decisions rests with the Insured's employer. I.

Proceedings or suits against an Insured Member alleging Damages of any kind.

J.

Any obligation for which any entity may be held liable under any Workers' Compensation, unemployment compensation, or disability benefits laws, or any similar law.

V. CONDITIONS A. Insured's Duty in the Event of a Claim or Proceeding 1.

In the event of an Event, or circumstances which could reasonably give rise to a Proceeding, written notice identifying the Insured and all reasonably obtainable information with respect to the time, place and circumstances thereof, and the names and addresses of the injured and available witnesses, shall be given immediately by or for you to our designee as follows:

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NASSP LEGAL ASSISTANCE EXCESS CLAIMS-MADE POLICY

David J. Smith, Agent/Broker c/o Forrest T. Jones & Company, Inc. ATTN: Professional Liability Claim Department P.O. Box 418131 Kansas City, MO 64141 (800) 821-7303 2.

If a Proceeding is brought against you, you shall immediately forward to us or our administrator every demand, notice, summons, or other process received by you or your representative.

3.

You shall cooperate with us and upon our request shall assist in the conduct of suits, Claims or Proceedings and in enforcing any right of defense, subrogation, contribution or indemnity against any person or organization who may be liable to you or us because of any Claim for which reimbursement is afforded under this policy.

B. Action Against Us No action shall lie against us unless, as a condition precedent thereto, there shall have been full compliance with all of the terms of this policy and until we have been given a period of thirty (30) days after notice thereof in which to discharge our obligations hereunder. C. Cancellation Clause You may cancel this policy by surrender thereof to us or any of our authorized agents, or by mailing to us written notice stating when thereafter the cancellation shall be effective. The Association named herein may cancel this policy by surrender thereof to us or any of our authorized agents, or by mailing to us written notice stating when thereafter the cancellation shall be effective. The Association shall be responsible for notifying all Insureds of its decision to cancel the policy and the effective date of such cancellation. This policy may also be canceled by or on our behalf, at our absolute discretion, by delivering to the Association or by mailing to the Association by certified mail or other first class mail, at the Association's address as shown in this policy, written notice stating when, not less than sixty (60) days thereafter, the cancellation shall be effective. The mailing of such notice as aforesaid shall be sufficient proof of notice and this policy shall terminate at the date and hour specified in such notice. The Association shall be responsible for notifying all Insureds of the effective date of such cancellation. If this policy shall be canceled by you or the Association, we shall return 90% of the appropriate unearned premium. If this policy shall be canceled by or on behalf of us, we shall retain the pro rata portion of the premium. Payment or tender of any unearned premium by us shall not be a condition precedent to the effectiveness of cancellation, but such payment shall be made as soon as practicable. If we elect not to renew this policy, we shall provide the Association with no less than sixty (60) days advance notice thereof and the Association shall be responsible for notifying all Insureds of the effective date of non-renewal. If the period of limitation relating to the giving of notice is prohibited or voided by any law controlling the construction thereof, such period shall be deemed to be amended so as to be equal to the minimum period of limitation permitted by such law. D. Excess Insurance This is a manuscript contract providing Defense Expense reimbursement coverage and is personal to the individual Insured Member. This policy was written and priced to reflect the intent of all parties that this policy is in excess of any and all other defense and indemnification arrangements and/or insurance policies, whether primary, excess, umbrella, or contingent and whether collectible or not, to which you or any Insured is entitled or should have been entitled, by contract or operation of law, to coverage or to payment of defense and/or indemnification. Further, it is the intent of the parties that the coverage afforded herein does not apply if you have other valid and collectible insurance of any kind whatsoever, whether primary or excess, or if you are entitled to defense or indemnification from any other source whatsoever,

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including such sources as state statutory entitlements or provisions, with regard to such Claim or Proceeding, except in respect of any excess beyond the amount which would have been payable under such other policy or policies or defense or indemnification arrangement had this policy not been in effect. You shall cooperate with us to determine the existence, availability and coverage of any such other insurance or defense or indemnification arrangement. This policy is specifically excess over any policy of insurance issued by any insurance carrier for the benefit of members of the National Education Association to you. E. Subrogation In the event of any payment under this policy, we shall be subrogated to all your rights of recovery against any person or organization and you shall execute and deliver instruments and papers and do whatever else is necessary to secure such rights. You shall do nothing to prejudice such rights. F. Assignment The assignment of interest under this policy shall not bind us unless our consent is first endorsed hereon. G. Service of Suit Clause The following Service of Suit Clause is not to become effective unless or until you have notified us in each specific Claim or Proceeding of the intention to sue. In the event of our failure to pay any amount claimed to be due under your policy, we, at your request, agree to submit to the jurisdiction of a court of competent jurisdiction within the United States and will comply with all requirements necessary to give such court jurisdiction, and all matters arising hereunder shall be determined in accordance with the law and practice of such court. However, we specifically reserve the right to remove any suit brought under this policy to a Federal Court of the United States. Service of process in such suit may be made upon the highest one in authority bearing the title Commissioner, Director, or Superintendent of Insurance of the State or Commonwealth in the state in which this insurance was procured, and in any suit instituted against us upon this contract, we will abide by the final decision of such court or any appellate court in the event of an appeal. The one in authority bearing the title Commissioner, Director, or Superintendent of Insurance of the State or Commonwealth wherein you reside is hereby authorized and directed to accept service of process on our behalf in any such suit, and/or upon your request, to give a written undertaking to you that they will enter a general appearance on our behalf in the event such a suit is instituted. We hereby appoint the following as duly authorized agent, to which a copy of the service of process should be forwarded by the Commissioner for delivery to us: Steve Engels Meadowbrook Claims Services 11880 College Blvd., Suite 500 Overland Park, KS 66210-2035 H. Duties of the Association 1.

Premium The premium for this policy shall be payable by the Association.

2.

Maintenance of Master Membership List of Insured Members The Master Membership List of Insured Members shall be maintained by the Association. The Association will notify us, within ninety (90) days after the effective date of membership in the Association, of its election to have such Member covered under this policy. Coverage for such additional Member shall apply only for the 90 day period from the date of membership, unless the Association has notified us of its election to have such Member covered

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under this policy. 3.

Cancellation The Association is responsible for sending cancellation or nonrenewal notice where applicable.

I.

Inspection and Audit We shall be permitted to inspect and audit the records of the Association during the Policy Period and any extensions thereof, and within three years after the final termination of this policy, as far as the records relate to the subject matter of this insurance.

J.

Loss Payable With respect to coverage provided under Section I. COVERAGE A., payment shall be made to the Member or to the Member's attorney.

K. Severability Clause All Insureds agree that the statements, representations, and warranties in the application are material and constitute a part of this policy and that this policy is issued in reliance upon their truth. The Insureds represent that the particulars and statements contained in the application are true, accurate and complete to the best of their knowledge after reasonable inquiry, and agree that this policy is issued in reliance on the truth of that representation. The Insureds also agree that such particulars and statements in connection with the application, which are deemed to be incorporated into and to constitute a part of this policy, are the basis of this policy. As respects the particulars and statements contained in the application, conditions and exclusions set forth herein, this policy shall be construed as a separate agreement with each Insured. Nothing in this clause shall be construed to increase our maximum Limit of Liability as set forth in Item 5. of the Declarations. In the event of any material untruth, misrepresentation or omission in connection with any of the particulars or statements in the application, this policy will be void with respect to any Insured who knew of such untruth, misrepresentation or omission or to whom such knowledge is imputed. VI. LIMIT OF LIABILITY A. With respect to coverage provided under Section I. COVERAGE A., Limits of Liability are provided as follows: In the Member's initial membership year, the maximum amount of Defense Expenses reimbursement, in excess of $500, shall be $1,000. The maximum amount of Defense Expenses reimbursement shall increase in $1,000 increments for each year of a Member's continuous membership in the Association. Our total liability for all Defense Expenses incurred in the defense of any one Proceeding shall not exceed the per Proceeding and Annual Aggregate Limit per Insured Member Limit of Liability stated in Item 5.A. of the Declarations. Our total liability for Proceedings for Defense Expenses paid on behalf of all Insured Members shall not exceed the Policy Year Defense Expenses Aggregate for All Proceedings, for All Insured Members, Combined Limit of Liability stated in Item 5.B. of the Declarations. B. All Proceedings brought against an Insured arising out of the same or essentially the same Event, type of conduct, set of facts or circumstances or a series of continuous, repeated or related conduct, set of facts or circumstances shall be treated as a single Proceeding and only one deductible amount and the Limit of Liability for each Proceeding set forth in Item 5.A. of the Declarations shall apply. The Policy in effect when the first Event occurs shall be considered as applying to all such Proceedings.

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NASSP LEGAL ASSISTANCE EXCESS CLAIMS-MADE POLICY

C. A Member shall be eligible to receive Defense Expense reimbursement only once for each due process or job protection proceeding, Claim and/or Proceeding. D. Regardless of the number of policies an Insured might have from us, our maximum Limit of Liability shall be the highest limit of any one policy and/or endorsement applicable to the specific Proceeding. E. We shall only be liable for those amounts payable under this policy which are in excess of any applicable deductible. Any applicable deductible shall apply separately to each Proceeding and shall be borne by the Insured and remain uninsured. The deductible shall not reduce or increase the Limits of Liability. Each Insured under the policy is liable for the payment of any applicable deductible. Upon our written demand, the deductible shall be paid within thirty (30) days. We shall have the right, but not the obligation, to advance sums on your behalf within the deductible. If you fail, after demand, to reimburse us for any sum advanced by us within the deductible, we may bring suit to recover such amounts and shall also be entitled to recover interest from the date of demand, and attorneys' fees and costs incurred in bringing such suit.

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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION OF TERRORISM This endorsement modifies insurance provided under the following: PROFESSIONAL LIABILITY POLICY ERRORS AND OMISSIONS COVERAGE PART A. The following definitions are added and apply under this endorsement wherever the term terrorism , or the phrase any injury or damage, and for the purposes of this endorsement, are shown in boldface: 1.

Terrorism means activities against persons, organizations or property of any nature: a. That involve the following or preparation for the following: (1) Use or threat of force or violence; or (2) Commission or threat of a dangerous act; or (3) Commission or threat of an act that interferes with or disrupts an electronic, communication, information, or mechanical system; and b. When one or both of the following applies: (1) The effect is to intimidate or coerce a government or the civilian population or any segment thereof, or to disrupt any segment of the economy; or (2) It appears that the intent is to intimidate or coerce a government, or to further political, ideological, religious, social or economic objectives or to express (or express opposition to) a philosophy or ideology.

2.

Any injury or damage means any injury or damage covered under any Coverage Part or Policy to which this endorsement is applicable, and includes but is not limited to bodily injury, damages, employment liability acts or omissions, employment practices, offense, professional liability acts or omissions, property damage, personal injury and/or advertising injury, and wrongful acts as may be defined in any applicable Coverage Part or Policy.

B. The following exclusion is added: EXCLUSION OF TERRORISM We will not pay for any injury or damage caused directly or indirectly by terrorism , including action in hindering or defending against an actual or expected incident of terrorism . Any injury or damage is excluded regardless of any other cause or event that contributes concurrently or in any sequence to such injury or damage. But this exclusion applies only when one or more of the following are attributed to such act: 1.

The terrorism is carried out by means of the dispersal or application of radioactive material, or through the use of a nuclear weapon or device that involves or produces a nuclear reaction, nuclear radiation or radioactive contamination; or

2.

Radioactive material was released, and it appears that one purpose of the terrorism was to release such material; or

3.

The terrorism is carried out by means of the dispersal or application of pathogenic or poisonous biological or chemical materials; or

4.

Pathogenic or poisonous biological or chemical materials are released, and it appears that one purpose of the terrorism was to release such materials; or

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5.

The total of insured damage to all types of property exceeds $25,000,000. In determining whether the $25,000,000 threshold is exceeded, we will include all insured damage sustained by property of all persons and entities affected by the terrorism and business interruption losses sustained by owners or occupants of the damaged property. For the purpose of this provision, insured damage means damage that is covered by any insurance plus damage that would be covered by any insurance but for the application of any terrorism exclusions; or

6.

Fifty or more persons sustain death or serious physical injury. For the purposes of this provision, serious physical injury means: a. Physical injury that involves a substantial risk of death; or b. Protracted and obvious physical disfigurement; or c. Protracted loss of or impairment of the function of a bodily member or organ.

Multiple incidents of terrorism which occur within a 72-hour period and appear to be carried out in concert or to have a related purpose or common leadership will be deemed to be one incident, for the purpose of determining whether the thresholds in Paragraphs B.5. or B.6. are exceeded. With respect to this exclusion, Paragraphs B.5. and B.6. describe the thresholds used to measure the magnitude of an incident of terrorism and the circumstances in which the threshold will apply, for the purpose of determining whether this Exclusion will apply to that incident. When the Exclusion applies to an incident of terrorism , there is no coverage under the Coverage Part or Policy. In the event of any incident of terrorism that is not subject to this Exclusion, coverage does not apply to any injury or damage that is otherwise excluded under this Coverage Part or Policy. C. The following state exceptions apply: ALASKA: Under Paragraph B. above, the first paragraph is replaced with the following: We will not pay for any injury or damage caused by terrorism , including action in hindering or defending against an actual or expected incident of terrorism . But this exclusion applies only when one or more of the following are attributed to such act: WASHINGTON: Under Paragraph B. above, the first paragraph is replaced with the following: We will not pay for any injury or damage caused directly or indirectly by terrorism , including action in hindering or defending against an actual or expected incident of terrorism . But this exclusion applies only when one or more of the following are attributed to such act:

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PRIVACY STATEMENT In applying for insurance products and services with Meadowbrook Insurance Group, Inc. family of companies you have provided us with personal, non-public information about yourself or your company. This information is fundamental to our ability and our commitment to furnish to you, the finest products and the best customer service. We do place great importance on keeping your personal information private and secure. We value the relationships that we have established with current and former customers. We collect most of the information that we need directly from you. Generally, the application forms and questionnaires that you complete provide us with the information that we need to offer insurance products and services and to provide quotations. On occasion, we may seek additional information, such as your creditworthiness or credit history, from third party reporting agencies. The information, if any, that we receive from these third parties is kept confidential. The categories of non-public personal and financial information that we collect may include your name, address, social security or employer identification number, assets, income, date of birth, motor vehicle driving information and other information that is necessary to provide you with the insurance products and services that you request. We do not disclose any non-public personal or financial information about our customers or former customers, except as permitted or required by law or with your consent. Information about you is kept in our records and may be shared as permitted by law with affiliated parties or your insurance agent or broker. We refer to and use that information for purposes related to issuing and servicing your insurance policies and administering cla ims. We restrict access to non-public information about you to those employees who have the need for or the legal right to the information to provide products or services to you. We maintain physical, electronic and procedural safeguards to protect your non-public personal and financial information. The safeguards that we utilize comply with federal and state regulations. “Cookies” are a general mechanism that can store and retrieve information on your computer. “Cookies” are used by many organizations to track visitors’ actions on their web sites. We do not utilize “cookies” at our web site of www.meadowbrook.com. Should you have any comments or questions regarding our Privacy Policy, please write to us at the address indicated on your policy and send your inquiry to the attention of the Branch Manager. Meadowbrook Insurance Group, Inc. is a holding company for the following subsidiary companies: Ameritrust Insurance Corporation, American Indemnity Insurance Company, Ltd., Meadowbrook, Inc., Savers Property and Casualty Insurance Company, Star Insurance Company, Preferred Insurance Company, Ltd., Williamsburg National Insurance Company.

SAVERS PROPERTY & CASUALTY INSURANCE COMPANY – A Stock Company

In Witness Whereof, we have caused this policy to be executed and attested, and if required by state law, this policy shall not be valid unless countersigned by our authorized representative.

Secretary of Savers Property & Casualty Insurance Co.

09 01 IL 09 03

President of Savers Property & Casualty Insurance Co.

SAVERS PROPERTY & CASUALTY INSURANCE COMPANY – A Stock Company

09 01 IL 09 03