CERTIFICATE OF PROPERTY INSURANCE DATE (MM/DD/YYYY) THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. If this certificate is being prepared for a party who has an insurable interest in the property, do not use this form. Use ACORD 27 or ACORD 28. PRODUCER INSURED COVERAGES Spectrum Risk Management 74 Discovery Irvine, CA 92618 www.spectrumrisk.com Nan Mckay & Associates, Inc. 1855 Gillespie Way #101 El Cajon CA 92020 0C77485 CERTIFICATE NUMBER: 20202055 CONTACT NAME: PHONE E-MAIL ADDRESS: PRODUCER CUSTOMER ID: INSURER A : INSURER B : INSURER C : INSURER D : INSURER E : INSURER F : Account Manager 949-756-5730 LOCATION OF PREMISES / DESCRIPTION OF PROPERTY (Attach ACORD 101, Additional Remarks Schedule, if more space is required) office@spectrumrisk.com INSURER(S) AFFORDING COVERAGE Hanover Insurance Company FAX REVISION NUMBER: 5/15/2014 949-756-5740 NAIC # 22292 THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR LTR POLICY EFFECTIVE POLICY EXPIRATION TYPE OF INSURANCE POLICY NUMBER COVERED PROPERTY LIMITS DATE (MM/DD/YYYY) DATE (MM/DD/YYYY) PROPERTY CAUSES OF LOSS BASIC BROAD SPECIAL EARTHQUAKE WIND FLOOD INLAND MARINE CAUSES OF LOSS NAMED PERILS DEDUCTIBLES BUILDING CONTENTS TYPE OF POLICY POLICY NUMBER SPECIAL CONDITIONS / OTHER COVERAGES (Attach ACORD 101, Additional Remarks Schedule, if more space is required) BUILDING PERSONAL PROPERTY BUSINESS INCOME EXTRA EXPENSE RENTAL VALUE BLANKET BUILDING BLANKET PERS PROP BLANKET BLDG & PP A CRIME 1007035 5/4/2014 5/4/2015 Employee Theft $ 1,000,000 TYPE OF POLICY BOILER & MACHINERY / EQUIPMENT BREAKDOWN Chicago Housing Authority is an additional insured with respect to the general liability per the attached carrier form. $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ CERTIFICATE HOLDER Chicago Housing Authority Procurements & Contracts Department 60 E. Van Buren. 13th Floor Chicago IL 60601 CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE CERT NO.: 20202055 Ginnie Clarke 5/15/2014 9:46:42 AM (PDT) Page 1 of 1 ACORD 24 (2009/09) Jim Waterhouse 1995-2009 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD

CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY) THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). CONTACT Spectrum Risk Management NAME: Account Manager 74 Discovery PHONE FAX (A/C, No, Ext): 949-756-5730 (A/C, No): 949-756-5740 Irvine, CA 92618 E-MAIL office@spectrumrisk.com PRODUCER www.spectrumrisk.com INSURED Nan Mckay & Associates, Inc. 1855 Gillespie Way #101 El Cajon CA 92020 COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: ANY AUTO ALL OWNED AUTOS HIRED AUTOS SCHEDULED AUTOS NON-OWNED AUTOS 0C77485 ADDRESS: INSURER A : INSURER B : INSURER C : INSURER D : INSURER E : INSURER F : INSURER(S) AFFORDING COVERAGE BODILY INJURY (Per person) BODILY INJURY (Per accident) PROPERTY DAMAGE (Per accident) B UMBRELLA LIAB OCCUR 5094621188 9/25/2014 9/25/2015 EACH OCCURRENCE $ 3,000,000 EXCESS LIAB CLAIMS-MADE AGGREGATE $ 3,000,000 21766768 THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR ADDL SUBR LTR TYPE OF INSURANCE INSD WVD POLICY NUMBER POLICY EFF (MM/DD/YYYY) POLICY EXP (MM/DD/YYYY) LIMITS A COMMERCIAL GENERAL LIABILITY 5094620901 9/25/2014 9/25/2015 EACH OCCURRENCE $ 1,000,000 CLAIMS-MADE OCCUR DAMAGE TO RENTED PREMISES (Ea occurrence) $ 300,000 MED EXP (Any one person) $ 10,000 PERSONAL & ADV INJURY $ 1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000 POLICY PRO- JECT LOC PRODUCTS - COMP/OP AGG $ 2,000,000 OTHER: $ A AUTOMOBILE LIABILITY 5094620901 9/25/2014 9/25/2015 COMBINED SINGLE LIMIT (Ea accident) $ 1,000,000 DED RETENTION $ 10,000 $ C WORKERS COMPENSATION CA ONLY 9/25/2014 9/25/2015 PER OTH- AND EMPLOYERS' LIABILITY STATUTE ER Y / N 2200059921-141 ANY PROPRIETOR/PARTNER/EXECUTIVE E.L. EACH ACCIDENT $ 1,000,000 OFFICER/MEMBER EXCLUDED? N / A (Mandatory in NH) E.L. DISEASE - EA EMPLOYEE $ D Multi-State 9/25/2014 9/25/2015 1,000,000 If yes, describe under DESCRIPTION OF OPERATIONS below 72WECTL1580 E.L. DISEASE - POLICY LIMIT $ 1,000,000 B Professional Liability 596375059 9/25/2014 9/25/2015 $5,000,000 Per claim $5,000,000 Aggregate $ $ $ $ 9/26/2014 NAIC # Valley Forge Insurance Company 20508 Continental Casualty Company 20443 Oak River Insurance Company 34630 Hartford Insurance Group DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) Chicago Housing Authority is an additional insured with respect to the GL per the attached form. CERTIFICATE HOLDER Chicago Housing Authority Procurement & Contracts Department 626 West Jackson Chicago IL 60661 CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE ACORD 25 (2014/01) Jim Waterhouse 1988-2014 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD CERT NO.: 21766768 Ginnie Clarke 9/26/2014 4:26:54 PM (PDT) Page 1 of 6

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