LLOYDS, LONDON CERTIFICATE OF INSURANCE

Exhibit 10.17

		Lloyd’s, London

This Insurance is effected with certain Underwriters at Lloyd’s, London (not incorporated).

This Certificate is issued in accordance with the limited authorization granted to the Correspondent by certain Underwriters at Lloyd’s, London whose names and the proportions underwritten by them can be ascertained from the office of said Correspondent (such Underwriters being hereinafter called “Underwriters”) and in consideration of premium specified herein, Underwriters do hereby bind themselves each for his own part, and not one for another, their heirs, executors and administrators.

The Assured/Owner is requested to read this certificate, and if not correct, return it immediately to the Correspondent for appropriate alteration.

CERTIFICATE PROVISIONS

1.     Signature Required. This certificate shall not be valid unless signed by the Correspondent on the attached Declaration Page.

2.     Correspondent Not Insurer. The Correspondent is not an Insurer hereunder and neither is nor shall be liable for any loss or claim whatsoever. The Insurers hereunder are those individual Underwriters at Lloyd’s, London whose names can be ascertained as hereinbefore set forth.

3.     Cancellation. If this certificate provides for cancellation and this certificate is cancelled after the inception date, earned premium must be paid for the time the insurance has been in force.

4.     Service of Suit. It is agreed that in the event of the failure of the Underwriter heron to pay any amount claimed to be due hereunder, the Underwriters hereon, at the request of the Insured, will submit to the jurisdiction of a Court competent jurisdiction within the United States. Nothing in this Clause constitutes or should be understood to constitute a waiver of Underwriters’ rights to commence an action in any Court of competent jurisdiction in the United States, to remove an action to a United States District Court, or to seek a transfer of a case to another Court as permitted by the laws of the United States or of any State in the United States. It is further agreed that service of process in such suit may be made upon the firm or person named in Item 6 of the attached Declaration Page, and that in any suit instituted against any one of them upon this contract. Underwriters will abide by the final decision of such Court or of any Appellate Court in the event of an appeal.

     The above-named are authorized and directed to accept service of process on behalf of Underwriters in any such suit and/or upon the request of the Insured to give a written undertaking to the Insured that they will enter a general appearance upon Underwriters’ behalf in the event such a suit shall be instituted.

     Further, pursuant to any statute of any state, territory, or district of the United States which makes provisions therefore, Underwriters hereon hereby designate the Superintendent, Commissioner or Director of Insurance or other officer specified for that purpose in the statute, or his successor or successors in office, as their true and lawful attorney upon whom may be served any lawful process in any action, suit or proceeding instituted by or on behalf of the Insured or any beneficiary hereunder arising out of this contract of insurance, and hereby designate the above-named as the person to whom the said officer is authorized to mail such process or a true copy thereof.

5.     Assignment. This certificate shall not be assigned either in whole or in part without the written consent of the Correspondent endorsed hereon.

6.     Attached Conditions Incorporated. This certificate is made and accepted subject to all the provisions, conditions and warranties set forth herein, attached, or endorsed, all of which are to be considered as incorporated herein.

7.     Short Rate Cancellation. If the attached provisions provide for cancellation, the table below will be used to calculate the short rate proportion of premium when applicable under the terms of cancellation.

Short Rate Cancellation Table For Term of One Year

LLOYD’S, LONDON

CERTIFICATE OF INSURANCE

WE THE UNDERWRITERS hereby agree with the Assured/Owner, to the extent and in the manner hereinafter provided, that if anywhere in the World at any time during the period of this Certificate the Insured shall sustain any bodily Injury cause by an Accident, which shall solely and independently of any other cause within twelve (12) calendar months from the date of Accident causing such Injury to the Insured, We will pay to the Beneficiary, or after the total claim shall be substantiated under this Certificate.

SCHEDULE

1

TALBE OF CONTENTS

2

DEFINITIONS

Terms used as defined here or elsewhere in this Certificate will begin with a capital letter.

Accident or Accidental means:

Aggregate Maximum Limit of Insurance means the total Amount of Benefit payable under this Certificate regardless of the number of claims paid.

Beneficiary means the person(s) named as Beneficiary in the SCHEDULE.

Underwriters means certain Underwriters at Lloyd’s London whose names and the proportions underwritten by them can be ascertained from the office of said Correspondent (such Underwriters being hereinafter called “Underwriters”) Underwriters may also be referred to as We, Us or Our.

Coverage Period means the period of time between the Effective Date of Coverage and Expiration Date of Coverage as shown in the SCHEDULE.

Injury means bodily injury which:

Loss means an injury of the Insured for which Benefits are payable according to the SCHEDULE, Benefit Provisions, Limitations and Exclusions, and other terms and provisions of this Certificate.

Occupation means the occupation shown in the SCHEDULE.

Physician means a licensed healthcare practitioner, other than the Insured or a member of the Insured’s immediate family, providing services or treatment within the scope of his or her license.

3

INSURING AGREEMENT

4

BENEFIT PROVISIONS
ACCIDENTAL DEATH AND DISMEMBERMENT

Underwriters will pay the amount shown in the Table of Losses below for a listed Loss which:

TABLE OF LOSSES

Loss with respect to hands or feet, means Loss by severance at or above the wrist or ankle joint.

Loss of Sight means the total and irrecoverable Loss of vision, as determined by a Physician.

In the event of multiple Losses resulting from a single covered Accident, only one Benefit, the Largest amount payable, will be paid.

Underwriters shall not be liable for any amount in excess of the Aggregate Maximum Limit of Insurance per Accident stated in the SCHEDULE. If the aggregate amount of all Benefits otherwise payable by reason of Loss under this Coverage exceeds such Aggregate Maximum Limit of Insurance, Underwriters shall not be liable as respects each Insured for a greater proportion of the Benefit otherwise payable than the Aggregate Maximum Limit of Insurance per Accident bears to the aggregate amount of all such Benefits.

5

BENEFIT PROVISIONS
ACCIDENT MEDICAL BENEFITS
(Continued)

BENEFIT PERIOD

A separate Benefit Period begins on the date of each Injury and continues for the period of time specified in the SCHEDULE. The termination of this Certificate has no effect on Benefits otherwise payable.

AMOUNT OF BENEFIT

The Amount of Benefit shown in the SCHEDULE is the total Benefit payable for eligible Covered Expenses incurred.

EXCLUSIONS

The following are Exclusions which are in addition to the Exclusions in the section entitled “LIMITATIONS AND EXCLUSIONS”. Covered Expenses will never include, and no Benefits will ever be payable for, any charges:

7

BENEFIT PROVISIONS
ACCIDENT MEDICAL BENEFITS
(Continued)

8

LIMITATIONS AND EXCLUSIONS

Exclusions

This Certificate does not cover Loss caused by or resulting from any of the following:

9

GENERAL PROVISIONS

10

GENERAL PROVISIONS
(continued)

11

LLOYD’S, LONDON

ENDORSEMENT

Effective date of this Endorsement:            July 1^st 2000

EXPOSURE AND DISAPPEARANCE

Loss resulting from unavoidable exposure to the elements shall be covered to the extent of the Benefits afforded the Insured.

If the body of the Insured has not been found within one year of the disappearance, stranding, sinking or wrecking of any aircraft in which the Insured was an occupant, then it shall be presumed, subject to all other terms of this Certificate, that the Insured has suffered Loss of life covered under this Certificate. But if the Insured is subsequently found to be living, any Amount of Benefit paid must be refunded to Underwriters immediately by the person or persons to whom paid.