GOLDBERG, Circuit Judge:
The Federal Savings and Loan Insurance Corporation ("FSLIC") requires all member banks to purchase insurance coverage under Savings and Loan Blanket Bond Standard Form No. 22 ("Form 22"), as drafted and subsequently modified by the Sureties Association of America (the "SAA"). Form 22 provides insurance against, among other things, loss by fraud or dishonesty of Savings and Loan employees. Form 22 insures only against losses discovered during...
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