Report Claims Immediately by Calling*1-800-238-6225

Speak directly with a claim professional24 hours a day, 365 days a year

WrittenWrittenWritten*Unless Your Policy Requires*Unless Your Policy Requires*Unless Your Policy Requires Notice or ReportingNotice or ReportingNotice or Reporting

CALIFORNIA IMMUNIZATIONCOALITION909 12TH STREET, SUITE 200SACRAMENTO CA 95814

CHARITY FIRST AJG CO

COMMERCIAL INSURANCE

A Custom Insurance Policy Prepared for:

Presented by:

TRAVELERSCORP. TEL: 1-800-328-2189CHARITY FIRST-WESTCOMMONPOLICY DECLARATIONSISSUE DATE: 10/22/12POLICY NUMBER: X-660-823X853A-TCT-13

INSURING COMPANY:THE TRAVELERSINDEMNITY COMPANYOF CONNECTICUT

1. NAMEDINSURED AND MAILING ADDRESS:CALIFORNIA IMMUNIZATIONCOALITION909 12TH STREET, SUITE 200SACRAMENTO,CA 95814

2. POLICY PERIOD: From 01/01/13 to 01/01/14 12:01 A.M. Standard Time atyour mailing address.

3. LOCATIONSPremises Bldg.Loc. No. No. Occupancy Address

SEE IL T0 03

4. COVERAGEPARTS FORMINGPART OF THIS POLICY AND INSURING COMPANIES:COMMERCIALPROPERTYCOV PART DECLARATIONS CP T0 11 01 03 TCTCOMMERCIALGENERALLIABILITY COV PART DECLARATIONS CG T0 01 11 03 TCTCOMMERCIALCRIME COVERAGEPART DECLARATIONS CR T0 20 10 07 TCT

5. NUMBERSOF FORMSAND ENDORSEMENTSFORMINGA PART OF THIS POLICY: SEE IL T8 01 10 93

6. SUPPLEMENTALPOLICIES: Each of the following is a separate policycontaining its complete provisions:

Policy Policy No. Insuring Company

DIRECT BILL7. PREMIUMSUMMARY:

Provisional Premium $ 750Due at Inception $Due at Each $

NAMEAND ADDRESSOF AGENT OR BROKER:CHARITY FIRST AJG CO (TT446)PO BOX 193944SAN FRANCISCO, CA 941203944

IL T0 02 11 89(REV. 09-07) PAGE 1 OF 1OFFICE: NAT’L PRGM’S-ORL

COUNTERSIGNED BY:

Authorized Representative

DATE:

X-660-823X853A-TCT-13

01-01-13

10-22-12

LISTING OF FORMS, ENDORSEMENTSAND SCHEDULENUMBERS

THIS LISTING SHOWSTHE NUMBEROF FORMS, SCHEDULESAND ENDORSEMENTSBY LINE OF BUSINESS.

IL T0 02 11 89 COMMONPOLICY DECLARATIONSIL T8 01 10 93 FORMS, ENDORSEMENTSAND SCHEDULENUMBERSIL T0 01 01 07 COMMONPOLICY CONDITIONSIL T0 03 04 96 LOCATION SCHEDULE

COMMERCIALPROPERTY

CP T0 11 01 03 COMMERCIALPROPERTYDECLARATIONSCP T0 00 02 11 TABLE OF CONTENTSCOMMERCIALPROPERTYCP 00 90 07 88 COMMERCIALPROPERTYCONDITIONSCP T1 00 01 03 BUILDING & PERSONALPROPERTYCOV FORMCP T1 12 01 03 EXTRA EXPENSECOVERAGEFORMCP T1 08 01 03 CAUSESOF LOSS-SPECIAL FORMCP T3 68 09 06 FUNGUS,ROT,BACTERIACAUSESOF LOSSCP T3 97 10 07 BUSINESS INCOME-PERS.PROP. IN THE OPENCP T3 63 06 10 PROPERTYEXTRA PLUSCP T3 81 01 08 TERRORISMRISK INS ACT 2002 DISCLOSURECP 04 49 12 05 CALIFORNIA CHANGES-REPLACEMENTCOST

COMMERCIALGENERALLIABILITY

CG T0 01 11 03 COMLGENERALLIABILITY COV PART DECCG T0 07 09 87 DECLARATIONSPREMIUMSCHEDULECG T0 08 11 03 KEY TO DECLARATIONSPREMIUMSCHEDULECG T0 34 11 03 TABLE OF CONTENTSCG 00 01 10 01 COMMERCIALGENERALLIABILITY COV FORMCG D2 55 11 03 AMENDMENTOF COVERAGE- POLLUTIONCG D4 71 02 09 AMENDCOVERAGEB - PERS & ADV INJURYCG 21 70 01 08 CAP ON LOSSES-CERTIFIED ACTS-TERRORISMGN 01 88 01 96 CHARITY FIRST-AMEND OF COV WHOIS INSDCG D0 37 04 05 OTHERINSURANCE-ADDITIONAL INSUREDSCG D1 86 11 03 XTEND ENDORSEMENTCG D2 03 12 97 AMEND-NONCUMULATIONOF EACH OCCCG D2 22 11 03 SOC SERV AGENCIES-HIRED & NONOWNEDAUTOCG D4 13 04 08 AMENDMENTOF COVERAGE-COOLING-POLLUTIONCG D4 43 07 08 NOT-FOR-PROFIT ENTITY AMENDATORYENDTCG D2 43 01 02 FUNGI OR BACTERIA EXCLUSIONCG D2 56 11 03 AMENDMENTOF COVERAGECG D2 88 11 03 EMPLOYMENT-RELATEDPRACTICES EXCLUSIONCG D3 26 10 11 EXCLUSION - UNSOLICITED COMMUNICATIONCG D3 56 01 05 MOBILE EQUIP/EXCL VEHICLES SUB TO MV LAWCG D4 21 07 08 AMENDCONTRACLIAB EXCL-EXC TO NAMEDINSCG D6 18 10 11 EXCL-VIOLATION OF CONSUMERFIN PROT LAWSCG D0 76 06 93 EXCLUSION-LEAD

PAGE: 1 OF 2

POLICY NUMBER:

EFFECTIVE DATE:

ISSUE DATE:

IL T8 01 10 93

X-660-823X853A-TCT-13

01-01-13

10-22-12

COMMERCIALGENERALLIABILITY (CONTINUED)

CG D1 42 01 99 EXCLUSION-DISCRIMINATIONCG D2 42 01 02 EXCLUSION WARCG T4 78 02 90 EXCLUSION-ASBESTOSCG T4 89 07 96 EXCL-COUNSELOR REFERRALERROROR OMISSCG T4 90 11 10 EXCLUSION - ABUSE OR MOLESTATIONCG T3 33 11 03 LIMIT WHENTWOOR MOREPOLICIES APPLYCG D4 07 04 08 EXCLUSION - HAZARDOUSACTIVITIESCG 32 34 01 05 CALIFORNIA CHANGES

CRIME

CR T0 20 10 07 COMMERCIALCRIME COVERAGEDECLARATIONCR T0 28 01 05 TABLE OF CONTENTS-COMM’LCRIME COV FORMCR 00 20 07 02 COMLCRIME COVERAGE(DISCOVERY)CR 00 21 07 02 COMLCRIME COVERAGE(LOSS SUSTAINED)CR 01 50 03 00 CALIFORNIA CHANGES

INTERLINE ENDORSEMENTS

IL T3 68 05 10 FEDERAL TERRORISMRISK INS ACT DISCLOSEIL T3 82 08 06 EXCL OF LOSS DUE TO VIRUS OR BACTERIAIL T3 79 01 08 CAPS ON LOSSES FROMCERT ACTS OF TERRORIL 00 21 09 08 NUCLEARENERGYLIAB EXCL END-BROADFORMIL 01 02 05 05 CALIFORNIA CHANGES- ACTUAL CASH VALUEIL 01 03 05 05 CALIFORNIA CHANGES- ACTUAL CASH VALUEIL 01 04 09 07 CALIFORNIA CHANGESIL 02 70 08 11 CALIFORNIA CHANGES- CANC AND NONRENEWALIL T3 55 08 98 EXCL OF CERTAIN COMPUTERREL LOSSES

PAGE: 2 OF 2

POLICY NUMBER:

EFFECTIVE DATE:

ISSUE DATE:

IL T8 01 10 93

COMMON POLICY CONDITIONS

All Coverage Parts included in this policy are subject to the following conditions:

during the policy period and up to three yearsA. Cancellationafterward.1. The first Named Insured shown in the Decla-

D. Inspections And Surveysrations may cancel this policy by mailing ordelivering to us advance written notice of 1. We have the right to:cancellation.

a. Make inspections and surveys at any2. We may cancel this policy or any Coverage time;

Part by mailing or delivering to the firstb. Give you reports on the conditions weNamed Insured written notice of cancellation

find; andat least:c. Recommend changes.a. 10 days before the effective date of can-

cellation if we cancel for nonpayment of 2. We are not obligated to make any inspec-premium; or tions, surveys, reports or recommendations

and any such actions we do undertake relateb. 30 days before the effective date of can-only to insurability and the premiums to becellation if we cancel for any other rea-charged. We do not make safety inspections.son.We do not undertake to perform the duty of

3. We will mail or deliver our notice to the first any person or organization to provide for theNamed Insured’s last mailing address known health or safety of workers or the public. Andto us. we do not warrant that conditions:

4. Notice of cancellation will state the effective a. Are safe or healthful; ordate of cancellation. If the policy is cancelled,

b. Comply with laws, regulations, codes orthat date will become the end of the policystandards.period. If a Coverage Part is canceIIed, that

date will become the end of the policy period 3. 1. 2.Paragraphs and of this condition applyas respects that Coverage Part only. not only to us, but also to any rating, advi-

sory, rate service or similar organization5. lf this policy or any Coverage Part is can-which makes insurance inspections, surveys,celled, we will send the first Named Insuredreports or recommendations.any premium refund due. If we cancel, the re-

fund will be pro rata. If the first Named In- 4. 2.Paragraph of this condition does not applysured cancels, the refund may be less than to any inspections, surveys, reports or rec-pro rata. The cancellation will be effective ommendations we may make relative to certi-even if we have not made or offered a re- fication, under state or municipal statutes, or-fund. dinances or regulations, of boilers, pressure

vessels or elevators.6. If notice is mailed, proof of mailing will besufficient proof of notice. E. Premiums

B. Changes 1. The first Named Insured shown in the Decla-rations:This policy contains all the agreements between

you and us concerning the insurance afforded. a. Is responsible for the payment of all pre-The first Named Insured shown in the Declara- miums; andtions is authorized to make changes in the terms

b. Will be the payee for any return premi-of this policy with our consent. This policy's termsums we pay.can be amended or waived only by endorsement

2. We compute all premiums for this policy inissued by us as part of this policy.accordance with our rules, rates, rating plans,C. Examination Of Your Books And Recordspremiums and minimum premiums. The pre-

We may examine and audit your books and mium shown in the Declarations was com-records as they relate to this policy at any time puted based on rates and rules in effect at

IL T0 01 01 07 (Rev. 06-09) Includes the copyrighted material of Insurance Services Office, Inc. with its permission. Page 1 of 2

the time the policy was issued. On each re- acting within the scope of duties as your legalnewal continuation or anniversary of the ef- representative. Until your legal representative isfective date of this policy, we will compute appointed, anyone having proper temporary cus-the premium in accordance with our rates tody of your property will have your rights andand rules then in effect. duties but only with respect to that property.

F. Transfer Of Your Rights And Duties UnderG Equipment Breakdown Equivalent to Boiler.This Policy

and MachineryYour rights and duties under this policy may notbe transferred without our written consent except On the Common Policy Declarations, the termin the case of death of an individual named in- Equipment Breakdown is understood to meansured. and include Boiler and Machinery and the term

Boiler and Machinery is understood to mean andIf you die, your rights and duties will be trans-include Equipment Breakdown.ferred to your legal representative but only while

This policy consists of the Common Policy Declarations and the Coverage Parts and endorsements listed in thatdeclarations form.

In return for payment of the premium, we agree with the Named Insured to provide the insurance afforded by aCoverage Part forming part of this policy. That insurance will be provided by the company indicated as insuringcompany in the Common Policy Declarations by the abbreviation of its name opposite that Coverage Part.

One of the companies listed below (each a stock company) has executed this policy, and this policy is counter-signed by the officers listed below:

The Travelers Indemnity Company (IND)

The Phoenix Insurance Company (PHX)

The Charter Oak Fire Insurance Company (COF)

Travelers Property Casualty Company of America (TIL)

The Travelers Indemnity Company of Connecticut (TCT)

The Travelers Indemnity Company of America (TIA)

Travelers Casualty Insurance Company of America (ACJ)

Secretary President

Page 2 of 2 .Includes the copyrighted material of Insurance Services Office, Inc. with its permission (Rev. 06-09)IL T0 01 01 07

X-660-823X853A-TCT-13

01-01-13 01-01-14

1 1 909 12TH STREET, SUITE 200 OFFICESACRAMENTO,CA 95814

1 (END)

LOCATION SCHEDULE POLICY NUMBER:

This Schedule of Locations and Buildings applies to the Common Policy Declarations for the period

to .

Loc. Bldg.Address OccupancyNo. No.

IL T0 03 04 96 Page

COMMERCIAL PROPERTY

COMMERCIAL PROPERTY

X-660-823X853A-TCT-1310-22-12

INSURING COMPANY:THE TRAVELERSINDEMNITY COMPANYOF CONNECTICUT

DECLARATIONSPERIOD: From 01/01/13 to 01/01/14 12:01 A.M. Standard Time at yourmailing address shown in the Common Policy Declarations.

The Commercial Property Coverage Part consists of these Declarations and theattached Supplemental Declaration(s), Schedule(s), Table of Contents, CommercialProperty Conditions, the Coverage Form(s), the Cause of Loss Form(s) andendorsements.

1. COVERAGE- Insurance applies only to premises location(s) and building number(s)shown below for the coverage(s), optional coverage(s) or coverage option(s)indicated in this Declarations or specified in any endorsements attached to thisCoverage Part.

2. DEDUCTIBLE - The following deductible applies unless a different or morespecific deductible is indicated within this Declarations or by endorsement.

$ 500 per occurrence

PREMISES LOCATION NO. 0001 BUILDING NO. 0001

LIMIT OF CAUSESCOVERAGE INSURANCE COINSURANCE OF LOSS

Your Business Personal Property $ 3,191 90% SpecialReplacement Cost applies

Extra Expense $ 10,000 n/a SpecialRestoration Period and Monthly Percentage

Limits on Loss Payment: 40-80-100%Civil Authority Coverage Period: 21 consecutive days

CHARITY FIRST AJG CO TT446 NAT’L PRGM’S-ORL 019

COMMERCIAL PROPERTY POLICY NUMBER:COVERAGE PART DECLARATIONS ISSUE DATE:

CP T0 11 01 03

PRODUCER: OFFICE:

X-660-823X853A-TCT-1310-22-12

SUPPLEMENTALDECLARATIONS

ADDITIONAL COVERAGES& COVERAGEEXTENSIONS

The following Additional Coverages and Coverage Extensions are provided under theCoverage Form(s) listed below for the Limits of Insurance shown. These Limits ofInsurance apply in any one occurrence unless otherwise stated.

Some of these Additional Coverages and Coverage Extensions, or the applicableLimits of Insurance, may be modified by endorsements attached to this policy. Theremay also be other Additional Coverages or Coverage Extensions within your policy.Please read it carefully.

BUILDING AND PERSONALPROPERTYCOVERAGEFORMLimit of

Additional Coverages Insurance

Debris Removal- Additional Amount at each described premises $ 25,000

Pollutant Cleanup and Removal- 12 Month Aggregate Limit $ 25,000

Preservation of Property Policy LimitFire Department Service Charge $ 5,000Reward Coverage

- Maximum Limit $ 5,000Increased Cost of Construction

- At each described premises $ 10,000Fire Protective Equipment Discharge $ 5,000

Coverage Extensions

Newly Acquired or Constructed Property- Each Building $ 500,000- Personal Property in total, at each premises $ 250,000

Personal Effects and Property of Others- At each described premises $ 10,000- Any one employee $ 2,500

Valuable Papers and Records- At each described premises $ 10,000

Property Off-Premises- At any installation premises or temporary storage

premises while awaiting installation $ 10,000- At any other premises you do not own, lease, or

regularly operate including fairs, trade showsand "exhibitions" $ 25,000

Temporary Relocation of Property $ 50,000Outdoor Property $ 10,000

- Any one tree, shrub or plant $ 500- Any one antenna $ 2,500

Claim Data Expense $ 2,500

CHARITY FIRST AJG CO TT446 NAT’L PRGM’S-ORL 019

COMMERCIAL PROPERTY POLICY NUMBER:COVERAGE PART DECLARATIONS ISSUE DATE:

CP T0 11 01 03

PRODUCER: OFFICE:

X-660-823X853A-TCT-1310-22-12

BUILDING AND PERSONALPROPERTYCOVERAGEFORM(continued)Limit of

Coverage Extensions Insurance

Extra Expense (including Expediting Expenses) $ 2,500Accounts Receivable

- At each described premises $ 10,000Non-Owned Detached Trailers $ 5,000Outside Signs $ 2,500Covered Property in Transit $ 10,000Duplicate Electronic Data Processing Data & Media $ 10,000Electronic Data Processing Equipment and Data & Media - Limited $ 10,000Theft Damage to Rented Property Policy Limit

EXTRA EXPENSECOVERAGEFORMLimit of

Additional Coverages Insurance

Alterations and New Buildings Policy LimitInterruption of Computer Operations - Aggregate Limit $ 25,000

Coverage Extensions

Newly Acquired Locations $ 100,000Claim Data Expense $ 2,500

CHARITY FIRST AJG CO TT446 NAT’L PRGM’S-ORL 019

COMMERCIAL PROPERTY POLICY NUMBER:COVERAGE PART DECLARATIONS ISSUE DATE:

CP T0 11 01 03

PRODUCER: OFFICE:

COMMERC OPERIAL PR TY

TABLE OF CON TSTEN

COMMERCIAL PROPERTY COVERAGE PART

T f lo ng in the c nts of the princ pal F w h may be attached to y pol Ithe ol wi dicates onte i orms hic our icy.contai no the ns or n orsements w also attachedns reference to Declaratio E d hich may be .

Page No. Var es By Fori m

COMMERC OPER ONDI ONS BUSINESS OME AGE ORMIAL PR TY C TI INC COVER F

A. Concealmen Misrepresentation or A. Cot, Fraud verageB. Co Causes of Loss, Exc and Li i-vered lusions mB. Control fO Property

tationsC. Insurance Under Two or More CoveragesC. Li its o Insurancem fD. Legal Act inst Usion AgaD. Loss ConditionsE. Liberal ionizatE. Addit itional Cond ionF. No Benef to leeit BaiF. Opt vional Co eragesG. Other InsuranceG. Def tini ionsH. Pol Period, ve itoryicy Co rage Terr

I. Transfer o R f Reco eryf ights o v Against BUILDERS' RI OVERA FSK C GE ORMOthers to Us

A. CoverageBUILDING ERSONAL PERTYAND P PRO B. Ex m tionsclusions and Li itaCOVERA FORGE M C. Li its o Insurancem f

A. Coverage D. DeductibleB. Ex m tionsclusions and Li ita E. Loss ConditionsC. Li its o Insurancem f F. Addit itional Cond ionsD. Deductible G. Def tini ionE. Loss Conditions CONDOM ASS TI OVERA FINIUM OCIA ON C GE ORMF. Addit itional Cond ions

A. CoverageG. Opt vional Co eragesB. Ex m tionsclusions and Li itaH. Def tini ionsC. Li its o Insurancem f

CAUSES LOS B FOF S ASIC ORM D. DeductibleA. Covered Causes of Loss E. Loss ConditionsB. Exclusions F. Addit l Cond ionsiona itC. Li itatm ions G. Opt vional Co eragesD. Def tini ions H. Def tini ion

CAUSES LOS BR FOF S OAD ORM CONDOM C IAL UN - W SINIUM OMMERC IT O NERCOVERA FORGE MA. Covered Causes of Loss

B. Ex A. Coclusions verageC. Li itat B. Ex m tionsm ions clusions and Li itaD. Addit v Co lapse C. Li its o Insuranceional Co erage l m fE. Def tini ions D. Deductible

E. Loss ConditionsCAUSES LOS S FOF S PECIAL ORMF. Addit itional Cond ion

A. Covered Causes of Loss G. Opt vional Co eragesB. Exclusions H. Def t onsini iC. Li itatm ionsD. Addit v Co lapseional Co erage lE. Addit v xional Co erage E tensionsF. Def tini ions

CP 0 02T0 0 11 Page 1 o 2f

COMMERC OPERIAL PR TY

TABLE OF CON TS (Cont'dTEN )

Page No. Var es By Fori m

EXTRA EXPENSE C GE ORM LEASEHOLD EST VERAG FORMOVERA F INTER CO E

A. Co A. Coverage verageB. Co lusionsvered Causes of Loss, Exc B. Exclusions

and Li itatm ions C. Li its o Insurancem fC. Li its o Insurancem f D. Loss ConditionsD. Loss Conditions E. Addit itional Cond ionE. Def t onsini i F. Def tini ions

LEGAL LI TY ERAG FORMABILI COV E FORECL PROP COV E FOSED ERTY ERAG ORM

A. Coverage A. CoverageB. Exclusions B. Ex m tionsclusions and Li itaC. Li its o Insurancem f C. Li its o Insurancem fD. Loss Conditions D. DeductibleE. Addit itional Cond ions E. Loss ConditionsF. Def tini ion F. Addit ond ionsional C it

G. Def tini ionsMORT GEHOLDER' ORS AND MISS SGA S ERR O IONCOVERA FORGE M SECURITY INTER ERRORS AND OMI ONEST SSI S

COVERA FORGE MA. CoverageB. Exclusions A. CoverageC. Li itatm ions B. ExclusionsD. Li its o Insurancem f C. Li its o Insurancem fE. Deductible D. DeductibleF. Addit v Co lapseional Co erage l E. Com ia roperty Condi ionsmerc l P tG. Addit v L m ted Coional Co erage i i verage F. Loss Conditions

for " ", et Ro ry RotFungus W t or D G. Addit itional Cond ionsH. Addit itional Cond ions H. Def tini ionsI. Def tini ions

TOB O SALES W EHOUSE C GACC AR S OVERA EFORM

A. CoverageB. ExclusionsC. Li its o Insurancem fD. DeductibleE. Loss ConditionsF. Addit itional Cond ionsG. Def tini ions

CP 0 02T0 0 11 Page 2 o 2f

COMMERCIAL PROPERTY

COMMERCIAL PROPERTY CONDITIONS

This Coverage Part is subject to the following conditions, the Common Policy Conditions and applicable LossConditions and Additional Conditions in Commercial Property Coverage Forms.

A. CONCEALMENT, MISREPRESENTATION OR No person or organization, other than you,FRAUD having custody of Covered Property will benefit

from this insurance.This Coverage Part is void in any case of fraudby you as it relates to this Coverage Part at any G. OTHER INSURANCEtime. It is also void if you or any other insured, at 1. You may have other insurance subject to theany time, intentionally conceal or misrepresent a same plan, terms, conditions and provisionsmaterial fact concerning: as the insurance under this Coverage Part. If1. This Coverage Part; you do, we will pay our share of the covered

loss or damage. Our share is the proportion2. The Covered Property;that the applicable Limit of Insurance under

3. Your interest in the Covered Property; or this Coverage Part bears to the Limits of In-4. A claim under this Coverage Part. surance of all insurance covering on the

same basis.B. CONTROL OF PROPERTY2. If there is other insurance covering the sameAny act or neglect of any person other than you

loss or damage, other than that described inbeyond your direction or control will not affect1. above, we will pay only for the amount ofthis insurance.covered loss or damage in excess of the

The breach of any condition of this Coverage amount due from that other insurance,Part at any one or more locations will not affect whether you can collect on it or not. But wecoverage at any location where, at the time of will not pay more than the applicable Limit ofloss or damage, the breach of condition does not Insurance.exist.

H. POLICY PERIOD, COVERAGE TERRITORYC. INSURANCE UNDER TWO OR MORE

Under this Coverage Part:COVERAGES1. We cover loss or damage commencing:If two or more of this policy’s coverages apply to

the same loss or damage, we will not pay more a. During the policy period shown in thethan the actual amount of the loss or damage. Declarations; and

D. LEGAL ACTION AGAINST US b. Within the coverage territory.No one may bring a legal action against us 2. The coverage territory is:under this Coverage Part unless: a. The United States of America (including1. There has been full compliance with all of the its territories and possessions);

terms of this Coverage Part; and b. Puerto Rico; and2. The action is brought within 2 years after the c. Canada.

date on which the direct physical loss orI. TRANSFER OF RIGHTS OF RECOVERYdamage occurred.

AGAINST OTHERS TO USE. LIBERALIZATION

If any person or organization to or for whom weIf we adopt any revision that would broaden the make payment under this Coverage Part hascoverage under this Coverage Part without addi- rights to recover damages from another, thosetional premium within 45 days prior to or during rights are transferred to us to the extent of ourthe policy period, the broadened coverage will payment. That person or organization must doimmediately apply to this Coverage Part. everything necessary to secure our rights and

F. NO BENEFIT TO BAILEE must do nothing after loss to impair them. But

CP 00 90 07 88 Copyright, ISO Commercial Risk Services, Inc. 1983, 1987 Page 1 of 2

COMMERCIAL PROPERTY

you may waive your rights against another party a. Someone insured by this insurance;in writing: b. A business firm:1. Prior to a loss to your Covered Property or (1) Owned or controlled by you; or

Covered Income.(2) That owns or controls you; or

2. After a loss to your Covered Property orc. Your tenant.Covered Income only if, at time of loss, that

party is one of the following: This will not restrict your insurance.

Page 2 of 2 Copyright, ISO Commercial Risk Services, Inc. 1983, 1987 CP 00 90 07 88

BUILDING AND PERSONAL PROPERTYCOVERAGE FORM

Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties andwhat is and is not covered.

Throughout the policy the words "you" and "your" refer to the Named Insured shown in the Declarations. Thewords "we", "us" and "our" refer to the Company providing this insurance.

Other words and phrases that appear in quotation marks have special meaning. Refer to SECTION HDEFINITIONS.

A. COVERAGE (5) If not covered by other insurance:

We will pay for direct physical loss of or damage (a) Alterations and repairs to theto Covered Property at the premises described in building or structure; andthe Declarations caused by or resulting from a (b) Materials, equipment, suppliesCovered Cause of Loss. and temporary structures, on or1. Covered Property within 1,000 feet of the described

premises, used for making al-Covered Property, as used in this Coverageterations or repairs to the buildingPart, means the type of property described inor structure.this section, , and limited in Prop-A.1. A.2.,

erty Not Covered, if a Limit of Insurance is b. Your Business Personal Property lo-shown in the Declarations for that type of cated in or on the building described inproperty. the Declarations or in the open (or in a

vehicle) within 1,000 feet of the d -ea. Building, meaning the building or stru -cscribed premises, consisting of the fol-ture described in the Declarations, i -nlowing unless otherwise specified in thecluding:Declarations or on the Your Business

(1) Completed additions; Personal Property Separation of Cove -rage endorsement:(2) Fixtures, including outdoor fixtures;(1) Furniture and fixtures;(3) Machinery and equipment perm -a

nently attached to the building or (2) Machinery and equipment;structure;

(3) "Stock";(4) Personal property owned by you that

(4) All other personal property owned byis used to maintain or service theyou and used in your business;building or structure or its premises,

including: (5) Labor, materials or services fu -rnished or arranged by you on pe -r(a) Fire extinguishing equipment;sonal property of others;

(b) Outdoor furniture;(6) Your use interest as tenant in im-

(c) Floor coverings; provements and betterments. Im-provements and betterments are fix-(d) Lobby and hallway furnishingstures, alterations, installations or a -downed by you;ditions:

(e) Appliances used for refrigerating,(a) Made a part of the building orventilating, cooking, dishwashing

structure you occupy or lease,or laundering (not used for re -sbut do not own; andtaurant operations);

(b) You acquired or made at your(f) Lawn maintenance and snow r -eexpense but are not permitted tomoval equipment; andremove;

(g) Alarm systems;

CP T1 00 01 03 Page 1 of 18

age Extension. Lottery tickets held for(7) Leased personal property for whichsale are not securities;you have a contractual responsibility

to insure, unless coverage is othe -r b. Live animals, birds or fish, unless ownedwise provided for under Personal by others and boarded by you, or ifProperty of Others. owned by you, only as "stock" while i -n

Your Business Personal Property does side of buildings;not include "Electronic Data Processing c. Automobiles held for sale;Equipment" or "Electronic Data Proces -s

d. Contraband, or property in the course ofing Data and Media" except as providedillegal transportation or trade;under Sections "Electronic DataA.1.d.

Processing Equipment" and "Ele -A.1.e. c e. The cost of excavations, grading, backtronic Data Processing Data and Media". filling or filling;

c. Personal Property of Others that is: f. Foundations of buildings, structures, m -achinery or boilers if their foundations are(1) In your care, custody or control; andbelow:

(2) Located in or on the building d -e(1) The lowest basement floor; orscribed In the Declarations or in the

open (or in a vehicle) within 1,000 (2) The surface of the ground, if there isfeet of the described premises. no basement;

However, our payment for loss of or g. Water or land whether in its natural statedamage to Personal Property of Others or otherwise (including land on which thewill only be for the account of the owner property is located), land improvements,of the property. growing crops, standing timber;Personal Property of Others does not i -n h. Aircraft or watercraft (other than wate -rclude "Electronic Data Processing Equip- craft owned by you while out of water atment" or "Electronic Data Processing the described premises); and personalData and Media" except as provided u -n property while airborne or waterborne ex-der Sections "Electronic DataA.1.d. cept as provided in the Covered PropertyProcessing Equipment" and "Ele -A.1.e. c In Transit Coverage Extension;tronic Data Processing Data and Media". i. Bulkheads, pilings, piers, wharves, docks,

d. "Electronic Data Processing Equi -p dikes or dams;ment" that you own or lease, or that is in j. Property that is covered under anotheryour care, custody or control, while l -o Coverage Form of this or any other policycated in or on the building described in in which it is more specifically described,the Declarations or in the open (or in a except for the excess over the amountvehicle) within 1,000 feet of the d -e due (whether you can collect on it or not)scribed premises. from that other insurance;

e. "Electronic Data Processing Data and k. Underground pipes, flues, drains, tanks,Media" that you own or lease, or that is tunnels all whether or not connected toin your care, custody or control, while l -o buildings; mines or mining property;cated in or on the building described in

l. The cost to research, replace or restorethe Declarations or in the open (or in athe information on "Valuable Papers andvehicle) within 1,000 feet of the d -eRecords", except as provided in thescribed pre ises.mValuable Papers and Records Cost of

2. Property Not Covered Research Coverage Extension;Unless the following property is added by m. Vehicles or self-propelled machines that:endorsement to this Coverage Form, Co -v

(1) Are licensed for use on public roads;ered Property does not include:or

a. Accounts, bills, currency, other evidences(2) Are operated principally away fromof debt, money, notes, checks, drafts, s -e

the described premises;curities or food stamps except as pr -ovided in the Accounts Receivable Cove -r but this paragraph does not apply to:

Page 2 of 18 CP T1 00 01 03

(a) a. Debris RemovalVehicles or self-propelled machines,other than automobiles, you man -u (1) We will pay your expense to removefacture, process, warehouse or hold debris of Covered Property, otherfor sale; than outdoor property as included in

(b) Automobiles you manufacture, proc- the Outdoor Property Coverage Ex-ess or warehouse; or tension, caused by or resulting from a

Covered Cause of Loss that occurs(c) Trailers or Semi-Trailers, except asduring the policy period. The ex-provided in (a) above or as providedpenses will be paid only if they arefor in the Coverage Extension forreported to us in writing within 180Non-Owned Detached Trailers;days of the date of direct physical

n. The following property while outside of loss or damage.buildings:

This Additional Coverage does not(1) Harvested grain, hay, straw or other apply to:

crops; or(a) Costs to extract "pollutants" from

(2) The following Outdoor Property, ex- land or water; orcept as provided in the Outdoor

(b) Costs to remove, restore or r -eProperty Coverage Extension:place polluted land or water.

(a) Bridges, walks, roadways, patios(2) Except as provided in (3) below,or other paved surfaces;

payment for Debris Removal is i -n(b) Retaining walls that are not part cluded within the applicable Limit of

of the buildings described in the Insurance shown in the Declarations.Declarations; The most we will pay under this A -d

ditional Coverage is 25% of:(c) Fences, trees, shrubs and plants(other than "stock" of trees, (a) The amount we pay for the directshrubs or plants), or lawns (i -n physical loss of or damage tocluding fairways, greens and Covered Property; plustees); or

(b) The deductible in this Coverage(d) Radio or television antennas (i -n Part applicable to that loss or

cluding microwave or satellite damage.dishes) and their lead-in wiring,

(3) When the debris removal expensemasts or towers;exceeds the 25% limitation in (2)

o. The cost of restoring land or water; above or when the sum of the debrisremoval expense and the amount wep. Any "Electronic Data Processing Datapay for the direct physical loss of orand Media" which is obsolete or no longerdamage to Covered Property ex-used by you;ceeds the applicable Limit of Insu -r

q. Outside signs, except as provided in the ance, we will pay an additionalOutside Signs Coverage Extension; or amount for debris removal expense

r. Additions under construction except as up to $25,000, for each of yourpremises, in any one occurrence.provided in the Newly Acquired or Co -n

structed Property Coverage Extension. b. Pollutant Cleanup and Removal3. Covered Causes of Loss We will pay your expense to extract

"pollutants" from land or water at the d -eSee applicab Causes of Loss Form aslescribed premises, if the discharge, di -sshown in the Declarations.persal, seepage, migration, release or4. Additional Coveragesescape of the "pollutants" is caused by or

Each of these Additional Coverages is addi- results from a Covered Cause of Losstional insurance unless otherwise indicated. which occurs:Unless otherwise indicated in the Declar -a (1) On the described premises;tions or by endorsement, the following Addi-

(2) To Covered Property; andtional Coverages apply:

CP T1 00 01 03 Page 3 of 18

Covered Cause of Loss, we will pay up to(3) During the policy period.$5,000 in any one occurrence for your li-The expenses will be paid only if they areability for fire department servicereported to us in writing within 180 dayscharges:of the date on which the Covered Cause(1) Assumed by contract or agreementof Loss occurs.

prior to loss; orThis Additional Coverage does not applyto costs to test for, monitor or assess the (2) Required by local ordinance.existence, concentration or effects of No Deductible applies to this Additional"pollutants." But we will pay for testing Coverage.which is performed in the course of ex-

e. Reward Coveragetracting the "pollutants" from the land orwater. We will reimburse you for rewar youds

have incurred for information leading to:The most we will pay under this Addi-tional Coverage is $25,000 for the sum of (1) The successful return of undamagedall covered expenses arising out of all stolen Covered Property to a lawCovered Causes of Loss occurring during enforcement agency; oreach separate 12 month period of this

(2) The arrest and conviction of any pe -rpolicy beginning with the effective date ofson who has damaged or stolen anythis policy.of your Covered Property.

c. Preservation of PropertyWe will pay 25% of the covered loss

If it is necessary to move Covered Pro -p (prior to the application of any applicableerty from the described premises to pr -e deductible and recovery of undamagedserve it from loss or damage by a Co -v stolen Covered Property) up to a maxi-ered Cause of Loss, we will pay for: mum of $5,000 in any one occurrence for

the payments of rewards you make.(1) The necessary and reasonable ex-These reward payments must be doc -upenses actually incurred by you tomented. No deductible applies to this A -dremove the Covered Property fromditional Coverage.the described premises, temporarily

store the Covered Property at a -n f. Increased Cost of Construction or R -eother location and to move the Co -v pairered Property back to the described

(1) This Additional Coverage appliespremises; andonly to buildings to which the R -e

(2) Any direct physical loss or damage to placement Cost Optional CoverageCovered Property while it is being applies.moved from a described premises,

(2) In the event of damage by a Coveredwhile temporarily stored at anotherCause of Loss to buildings that arelocation or while being moved backCovered Property, we will pay the i -nto the d scribed premises.ecreased costs incurred to comply with

However, this Additional Coverage will enforcement of an ordinance or lawonly apply if the loss or damage occurs in the course of repair, rebuilding orwithin 90 days after the Covered Property replacement of damaged parts of thatis first moved and will cease when the property, subject to the limitationspolicy is amended to provide insurance at stated in through of thisf.(3) f.(8)the new location, the Covered Property is Additional Cove age.rreturned to the existing location or this

(3) The ordinance or law referred to inpolicy expires, whichever occurs first.f.(2) of this Additional Coverage is an

Payments under this Additional Coverage ordinance or law that regulates thewill not increase the applicable Limit of construction or repair of buildings orInsurance. establishes zoning or land use r -e

d. Fire Department Service Charge quirements at the described prem-ises, and is in force at the time ofWhen the fire department is called toloss.save or protect Covered Property from a

Page 4 of 18 CP T1 00 01 03

struction or repair at the new(4) Under this Additional Coverage, wepremises.will not pay any costs due to an ordi-

nance or law that: (8) This Additional Coverage is not su -bject to the terms of the Ordinance or(a) You were required to comply withLaw Exclusion, to the extent thatbefore the loss, even when thesuch Exclusion would conflict withbuilding was undamaged; andthe provisions of this Additional Co -v(b) You failed to comply with.erage.

(5) Under this Additional Coverage, weg. Fire Protective Equipment Dischargewill not pay any costs associated with

If fire protective equipment dischargesthe enforcement of an ordinance oraccidentally or to control a Coveredlaw which requires any insured orCause of Loss we will pay your cost to:others to test for, monitor, clean up,

remove, contain, treat, detoxify or (1) Refill or recharge the system with theneutralize, or in any way respond to, extinguishing agents that were di -sor assess the effects of "pollutants". charged; and

(6) The most we will pay under this A -d (2) Replace or repair faulty valves orditional Coverage at each of your d -e controls which caused the discharge.scribed premises is $10,000 in any

The most we will pay under this Addi-one occurrence.tional Coverage is $5,000 in any one oc-

(7) With respect to this Additional Co -v currence.erage:

5. Coverage Extensions(a) We will not pay the Increased

Each of these Coverage Extensions is addi-Cost of Construction or Repair:tional insurance unless otherwise indicated.

(i) Until the property is actuallyUnless otherwise indicated in the Declar -arepaired or replaced, at thetions or by endorsement, the following Co -vsame or another premises;erage Extensions apply:anda. Newly Acquired or Constructed Pro -p(ii) Unless the repairs or r -e

ertyplacement are made as soonWe will pay for direct physical loss oras reasonably possible afterdamage by a Covered Cause of Loss to:the loss or damage, not to

exceed two years. We may (1) Buildings:extend this period in writing

(a) Your new buildings or additionsduring the two years.to existing buildings insured u -n

(b) If the building is repaired or r -e der this Coverage Part while b -eplaced at the same premises, or ing built on the described prem-if you elect to rebuild at another ises or newly acquired premisespremises, the most we will pay including materials, equipment,for the Increased Cost of Co -n supplies and temporary struc-struction or Repair, subject to the tures, on or within 1,000 feet ofprovisions of of this Addi-f.(6) the premises; andtional Coverage, is the increased

(b) Buildings you acquire at the d -ecost of construction or repair atscribed premises or at locationsthe same premises.other than the described prem-

(c) If the ordinance or law requires ises.relocation to another premises,

The most we will pay for loss orthe most we will pay for the I -ndamage to this building property increased Cost of Construction orany one occurrence is $500,000 atRepair, subject to the provisionseach building.of of this Additional Cover-f.(6)

age, is the increased cost of co -n (2) Your Business Personal Property,Personal Property of Others, Ele -c

CP T1 00 01 03 Page 5 of 18

"Electronic Data Processing Data andtronic Data Processing Equipment,Media") owned by;and Electronic Data Processing

Data and Media: (a) Your employees, for not morethan $2,500 for any one em-(a) If a Limit of Insurance is shown inployee; orthe Declarations for Your Busi-

ness Personal Property, Personal (b) Others, and in your care, custodyProperty of Others, "Electronic or control.Data Processing Equipment" or

The most we will pay for loss or damage"Electronic Data Processing Dataunder this Extension in any one occu -rand Media", you may extend thatrence is $10,000 at each describedinsurance to apply to that type ofpremises. The direct physical loss orproperty at:damage must be caused by a Covered

(i) A building you newly acquire Cause of Loss. Our payment for loss ofat a location described in the or damage to personal property of othersDeclarations; or will only be for the account of the owner

of the property.(ii) At any other location you ac-quire by purchase or lease c. Valuable Papers and Records Cost(other than at fairs, trade of Researchshows or exhibitions).

You may extend the insurance that a -pThe most we will pay for loss or plies to Your Business Personal Propertydamage to all types of property d -e to apply to your costs to research, r -escribed above in any one occurrence place or restore the lost information onis $250,000 in total at each location. lost or damaged "Valuable Papers and

Records" for which duplicates do not ex-(3) Insurance under this Extension forist.each newly acquired or constructed

property will end when any of the The most we will pay under this Exte -nfollowing first occurs: sion in any one occurrence is $10,000 at

each described premises. The direct(a) This policy expires;physical loss or damage must be caused

(b) 90 days expire after you acquire by a Covered Cause of Loss.or begin to construct the pro -p

d. Property Off-Premiseserty;(1) You may extend the insurance that(c) You report values to us; or

applies to your Covered Property and(d) The property is more specifically Covered Personal Property of Others

insured. to apply to direct physical loss orWe will charge you additional pr -e damage by a Covered Cause of Lossmium for values reported from the to such property while temporarilydate construction begins or you ac- away from the described premises:quire the property. (a) At any fair, trade show or “exhi-

b. Personal Effects and Property of Ot -h bition” within the Coverage Te -rers ritory at a premises you do not

own, lease or regularly operate;You may extend the insurance that a -pplies to Your Business Personal Property (b) At installation premises or temp -oto apply to the following types of property rary storage premises whileonly while on the described premises: awaiting installation within the

Coverage Territory that you do(1) Personal effects or "Fine Arts" ownednot own, lease or regularly ope -rby you, your officers, your partners,ate. This coverage applies onlyyour managers or your employees.to such property that will or has

(2) Personal property (other than pe -r become a permanent part of ansonal effects, "Fine Arts", "Electronic installation project being pe -rData Processing Equipment" or formed for others by you or on

Page 6 of 18 CP T1 00 01 03

your behalf. This coverage will (3) During the storage period of up to 90end when any of the following consecutive days, but not beyond thefirst occurs: expiration date of this policy.

(i) Your interest in the property This Extension does not apply if theceases; stored property is more specifically i -n

sured.(ii) The installation is accepted;f. Outdoor Property(iii) The installation is aba -n

You may extend the insurance provideddoned;by this Coverage Form to apply to your(iv) The property is more specifi-outdoor property described below on thecally insured; ordescribed premises, as follows:

(v) This policy is cancelled or(1) Fences, retaining walls that are notexpires, whichever occurs

part of a building, lawns (includingfirst; orfairways, greens, and tees), trees,

(c) At any other premises within the shrubs and plants, (other than "stock"Coverage Territory that you do of trees, shrubs, or plants), bridges,not own, lease or regularly ope -r walks, roadways, patios, or otherate. paved surfaces for loss or damage by

the following causes of loss, if they(2) This Extension does not apply to:are a Covered Cause of Loss:

(a) Property in due course of transit;(a) Fire;

(b) Property to which the Temporary(b) Lightning;Relocation of Property or the D -u

plicate Electronic Data Proces -s (c) Explosion;ing Data and Media Coverage

(d) Riot or Civil Commotion;Extensions apply; or(e) Aircraft;(c) Property sold by you under an i -n(f) Falling Objects;stallment plan, conditional sale,

trust agreement or other deferred (g) Sinkhole Collapse; orpayment plan after delivery to

(h) Volcanic Action.the purchasers.(2) Radio and television antennas (i -n(3) The most we will pay for loss or

cluding microwave or satellite dishes)damage in any one occurrence underfor loss or damage by the followingthis Extension is $25,000, but we willcauses of loss, if they are a Coverednot pay more than $10,000 at any i -nCause of Loss:stallation premises or temporary

storage premises while awaiting i -n (a) (1)(a)A cause of loss listed installation. through above;(1)(h)

e. Temporary Relocation of Property (b) Windstorm or hail;If Personal Property for which a Limit of (c) Vehicles; orInsurance is shown in the Declarations is

(d) Vandalism.removed from the described premisesThe most we will pay under this Exte -nand stored temporarily at another locationsion in any one occurrence is $10,000,you own, lease or operate while the d -ebut we will not pay more than $500 forscribed premises is being renovated orany one tree, shrub or plant nor moreremodeled, we will pay for direct physicalthan $2,500 for any one antenna.loss or damage to that stored property:

We will also pay your necessary and re -a(1) Caused by or resulting from a Co -vsonable expense that you incur to r -eered Cause of Loss;move debris of Outdoor Property shown(2) Up to $50,000 in any one occurrence;under and above at your d -f.(1) f.(2) eandscribed premises caused by or resulting

CP T1 00 01 03 Page 7 of 18

from a Covered Cause of Loss listed i. Accounts Receivableabove that occurs during the policy p -e You may extend the insurance that a -priod. Such expenses will be paid only if plies to Your Business Personal Propertythey are reported to us in writing within to apply to the following loss and ex-180 days of the date of direct physical penses resulting from direct physical lossloss or damage. This will not increase the or damage by a Covered Cause of LossLimits of Insurance that apply to this Ex- to your accounts receivable records (i -ntension. cluding those on electronic data proc-

g. Claim Data Expense essing media). Credit card companycharge media will be considered ac-You may extend the insurance providedcounts receivable until delivered to theby this Coverage Form to apply to thecredit card company.expense you incur in preparing claim

data when we require it. This includes the (1) We will pay:cost of taking inventories, making a -p (a) All amounts due from your cu -spraisals and preparing other document -a tomers that you are unable totion to show the extent of loss. The most collect;we will pay for preparation of claim data

(b) Interest charges on any loan r -eunder this Extension in any one occu -rquired to offset amounts you arerence is $2,500. We will not pay for:unable to collect pending our

(1) Any expenses incurred, directed, or payment of these amounts; andbilled by or payable to attorneys, i -n

(c) Collection expenses in excess ofsurance adjusters or their associatesyour normal collection expensesor subsidiaries;that are made necessary by the

(2) Any costs as provided in the Loss loss or damage.Condition Appraisal; or

(2) The most we will pay in any one oc-(3) Any expenses incurred, directed, or currence under this Extension is

billed by or payable to insurance br -o $10,000 for all loss and expense atkers or agents, or their associates or each d scribed premises.esubsidiaries, without our written co -n

j. Non-Owned Detached Trailerssent prior to such expenses being i -ncurred. (1) You may extend the insurance that

applies to Your Business Personalh. Extra Expense (Including ExpeditingProperty to apply to direct physicalExpenses)loss or damage by a Covered Cause

In the event of covered loss or damage, of Loss to trailers or semi-trailers thatyou may extend the insurance provided you do not own, provided that:by this Coverage Form to apply to:

(a) The trailer or semi-trailer is used(1) The necessary and reasonable extra in your business;

expense you incur to continue as(b) The trailer or semi-trailer is innearly as possible your normal busi-

your care, custody or control atness operation; andthe premises described in the

(2) The necessary and reasonable addi- Declarations; andtional expenses you incur to make

(c) You have a contractual responsi-temporary repairs, or expedite pe -rbility to pay for loss or damage tomanent replacement at the premisesthe trailer or semi-trailer.sustaining loss or damage. Expedit-

ing expenses include overtime wages (2) We will not pay for any loss or dam-and the extra cost of express or other age that occurs:rapid means of transportation.

(a) While the trailer or semi-trailer isThe most we will pay in total in any one attached to any motor vehicle oroccurrence under this Extension is motorized conveyance, whether$2,500. or not the motor vehicle or m -o

Page 8 of 18 CP T1 00 01 03

torized conveyance is in motion; (c) Property while waterborne, ex-or cept in regular ferry operations in

the course of being moved by(b) During hitching or unhitching o -pother means of transportation,erations, or when a trailer orand then to include General A -vsemi-trailer becomes accidentallyerage and Salvage Charges forunhitched from a motor vehiclewhich you become liable;or motorized conveyance.

(d) Export shipments once:(3) The most we will pay for loss ordamage in any one occurrence under (i) The shipment is loaded onthis Extension is $5,000. board the export convey-

ance; or(4) This insurance is excess over theamount due (whether you can collect (ii) Coverage under an Oceanon it or not) from any other insurance Marine or other insurancecovering such property. policy covering the shipment

begins;k. Outside Signswhichever is earlier;You may extend the insurance that a -p

plies to Building or Your Business Pe -r (e) Import shipments prior to:sonal Property to apply to direct physical (i) The shipment being u -nloss or damage by a Covered Cause of loaded from the import co -nLoss to outside signs, whether or not at- veyance; ortached to buildings, on or within 1,000

(ii) Coverage under an Oceanfeet of the d scribed premises.eMarine or other insurance

The most we will pay for loss or damage policy covering the shipmentin any one occurrence under this Exte -n ends;sion is $2,500.

whichever is later;I. Covered Property In Transit

(f) Property of others for which you(1) You may extend the insurance that are responsible while acting as a

applies to Covered Property to apply common or contract carrier,to direct physical loss or damage by freight forwarder, freight consoli-a Covered Cause of Loss to such dator, freight broker or publicproperty while in due course of transit warehouseman;at your risk within the Coverage Te -r

(g) Property sold by you under an i -nritory.stallment plan, conditional sale,

(2) When the Causes of Loss Special trust agreement or other deferredForm is applicable, the Earth Mov -e payment plan after delivery toment exclusion and the Water excl -u the purchasers; orsion do not apply to this Extension.

(h) Tools, equipment, supplies and(3) The exclusion of personal property materials all used for service or

while airborne or waterborne under repair in your business which areSection Property Not Covered,A.2. kept in a motor vehicle. Ho -wdoes not apply to this Extension, but ever, this does not apply to pro -pthe insurance provided under this erty in the care, custody or co -nExtension for property while wate -r trol of your sales representatives.borne is limited as provided in par -a

(5) The following additional exclusiongraph below.(4) (c)applies to this Extension when the

(4) This Extension does not apply to: Causes of Loss Special Form a -pplies to this Coverage Form:(a) Property within 1000 feet of the

described premises; We will not pay for loss or damageby theft from a conveyance or co -n(b) Property shipped by mail;tainer while unattended unless theportion of the conveyance or co -n

CP T1 00 01 03 Page 9 of 18

tainer containing the Covered Pro - the Covered Property, and to propertyperty is fully enclosed and securely within the non-owned building used forlocked, and the theft is by forcible maintenance or service of the non-ownedentry of which there is visible evi- building.dence. This Extension applies only if you are a

tenant and are required in your lease to(6) The most we will pay for loss orcover this exposure.damage in any one occurrence under

this Extension is $10,000. We shall not be liable under this Exte -nsion for damage by fire or explosion, orm. Duplicate Electronic Data Processingto glass (other than glass building blocks)Data and Mediaor to any lettering, ornamentation or bu -r(1) You may extend the insurance pr -o glar alarm tape on glass.

vided by this Coverage Form to applyPayment under this Extension will not i -nto direct physical loss or damage bycrease the Limit of Insurance that appliesa Covered Cause of Loss to dupli-to Your Business Personal Property atcates of your "Electronic Data Proc-the premises where the direct physicalessing Data and Media" while storedloss or damage occurs.in a separate, unattached building

from where your original "Electronic The Additional Condition, Coinsurance, doesData Processing Data and Media" are not apply to these Extensions.kept.

B. EXCLUSIONS AND LIMITATIONS(2) The most we will pay for loss or

See applicable Causes of Loss Form as shown indamage in any one occurrence underthe Declarations.this Extension is $10,000.

C. LIMITS OF INSURANCEn. Electronic Data Processing EquipmentThe most we will pay for loss or damage in anyand Data and Media Limitedone occurrence is the applicable Limit of Insu -rThis Extension only applies when a Limit ance shown in the Declarations, this Coverageof Insurance is not stated in the Declar -a Form or any endorsements applicable to thistions for "Electronic Data Processing Coverage Form.Equipment" and "Electronic Data Proc-

D. DEDUCTIBLEessing Data and Media".Unless otherwise indicated, we will not pay for(1) If a Limit of Insurance is shown in theloss or damage in any one occurrence until theDeclarations for Your Business Pe -ramount of loss or damage exceeds the Deducti-sonal Property, you may extend thatble shown in the Declarations. We will then payinsurance to apply to direct physicalthe amount of loss or damage in excess of theloss or damage by a Covered CauseDeductible, up to the applicable Limit of Insu -rof Loss to "Electronic Data Proces -sance, after any deduction required by the Coi -ning Equipment" and "Electronic Datasurance Additional Condition.Processing Data and Media" located

in or on the building described in the If more than one deductible applies to loss orDeclarations or in the open (or in a damage in any one occurrence, we will applyvehicle) within 1,000 feet of the d -e each deductible separately. But the total of allscribed premises. deductible amounts applied in any one occu -r

rence will not exceed the largest applicable d -e(2) The most we will pay for loss orductible.damage in any one occurrence under

this Extension is $10,000. E. LOSS CONDITIONSo. Theft Damage to Rented Property The following conditions apply in addition to the

Common Policy Conditions and the CommercialYou may extend the insurance that a -pProperty Conditions.plies to Your Business Personal Property

to apply to direct physical loss or damageby theft or attempted theft to that part ofany non-owned building at the describedpremises you occupy and which contains

Page 10 of 18 CP T1 00 01 03

ties, costs, values and amount of loss1. Abandonmentclaimed.There can be no abandonment of any pro -p

(6) As often as may be reasonably r -eerty to us.quired, permit us to inspect the pro -p2. Appraisalerty proving the loss or damage and

If we and you disagree on the value of the examine your books and records.property or the amount of loss, either may

Also permit us to take samples ofmake written demand for an appraisal of thedamaged and undamaged propertyloss. In this event, each party will select afor inspection, testing and analysis,competent and impartial appraiser. The twoand permit us to make copies fromappraisers will select an umpire. If they ca -nyour books and records.not agree, either may request that selection

(7) Send us a signed, sworn proof of lossbe made by a judge of a court having juri -sdiction. The appraisers will state separately containing the information we requestthe value of the property and amount of loss. to investigate the claim. You must doIf they fail to agree, they will submit their dif- this within 60 days after our request.ferences to the umpire. A decision agreed to We will supply you with the nece -sby any two will be binding. Each party will: sary forms.

a. (8)Pay its chosen appraiser; and Cooperate with us in the investigationor settlement of the claim.b. Bear the other expenses of the appraisal

b. We may examine any insured underand umpire equally.oath, while not in the presence of anyIf there is an appraisal, we will still retain ourother insured and at such times as mayright to deny the claim.be reasonably required, about any matter

3. Duties in the Event of Loss or Damage relating to this insurance or the claim, i -ncluding an insured's books and records.a. You must see that the following are doneIn the event of an examination, an i -nin the event of loss or damage:sured's answers must be signed.

(1) Notify the police if a law may have4. Loss Paymentbeen broken.

a. In the event of loss or damage covered(2) Give us prompt notice of the loss orby this Coverage Form, at our option, wedamage. Include a description of thewill either:property involved.(1) Pay the value of lost or damaged(3) As soon as possible, give us a d -e

property;scription of how, when and where theloss or damage occurred. (2) Pay the cost of repairing or replacing

the lost or damaged property, subject(4) Take all reasonable steps to protectto below;b.the Covered Property from further

damage, and keep a record of your (3) Take all or any part of the property atexpenses necessary to protect the an agreed or appraised value; orCovered Property for consideration in

(4) Repair, rebuild or replace the pro -pthe settlement of the claim. This willerty with other property of like kindnot increase the Limit of Insurance.and quality, subject to below.b.However, we will not pay for any

subsequent loss or damage resulting We will determine the value of lost orfrom a cause of loss that is not a damaged property, or the cost of its r -eCovered Cause of Loss. Also, if fe -a pair or replacement, in accordance withsible, set the damaged property aside the applicable terms of the Valuationand in the best possible order for ex- Condition in this Coverage Form or anyamination. applicable provision which amends or

supersedes the Valuation Condition.(5) At our request, give us complete i -nventories of the damaged and u -n b. The cost to repair, rebuild or replacedamaged property. Include quanti- does not include the increased cost at-

tributable to enforcement of any ordi-

CP T1 00 01 03 Page 11 of 18

nance or law regulating the construction, (2) The value of the recovered property;use or repair of any property, except as orprovided under the Increased Cost of (3) The Limit of Insurance;Construction or Repair Additional Cove -r

whichever is less.age.6. Valuationc. We will give notice of our intentions

within 30 days after we receive the sworn We will determine t value of Coveredheproof of loss. Property in the event of covered loss or

damage as follows:d. We will not pay you more than your fi-nancial interest in the Covered Property. a. At actual cash value as of the time of

loss or damage, except as provided in b.,e. We may adjust losses with the owners ofc., d., e., f., g., h., i., j., k., l., m.andlost or damaged property if other thanbelow.you. If we pay the owners, such pay-

ments will satisfy your claims against us b. If the Limit of Insurance for Building sat-for the owner's property. We will not pay isfies the Additional Condition, Coinsu -rthe owners more than their financial i -n ance, and the cost to repair or replaceterest in the Covered Property. the damaged building property is $5,000

or less, we will pay the cost of buildingf. We may elect to defend you against suitsrepairs or replacement.arising from claims of owners of property.

We will do this at our expense. The cost of building repairs or replac -ement does not include the increased costg. We will pay for covered loss or damageattributable to enforcement of any ordi-within 30 days after we receive the swornnance or law regulating the construction,proof of loss, if you have complied withuse or repair of any property except asall of the terms of this Coverage Partprovided under the Increased Cost ofand:Construction or Repair Additional Cove -r

(1) We have reached agreement with age.you on the amount of loss; or

However, the following property will be(2) An appraisal award has been made. valued at the actual cash value even

when attached to the building:h. At our option, we may make a partialpayment toward any claims, subject to (1) Awnings or floor coverings;the policy provisions and our normal a -d

(2) Appliances for refrigerating, ventilat-justment process. To be considered for aing, cooking, dishwashing or lau -npartial claim payment, you must submit adering; orpartial sworn proof of loss with supporting

documentation. Any applicable deducti- (3) Outdoor equipment or furniture.bles must be satisfied before any partial

c. "Stock" you have sold but not deliveredpayments are made.at the selling price less discounts and ex-

5. Recovered Property penses you otherwise would have had.If either you or we recover any property after d. Glass at the cost of replacement withloss settlement, that party must give the other safety glazing material if required by law.prompt notice. At your option, the property

e. Tenant's Improvements and Bettermentswill be returned to you. You must then returnat:to us the amount we paid to you for the pro -p(1) Actual cash value of the lost or dam-erty.

aged property if you make repairsa. We will pay:promptly.

(1) Recovery expense; and(2) A proportion of your original cost if

(2) Costs to repair the recovered pro -p you do not make repairs promptly.erty; We will determine the proportionate

value as follows:b. But the amount we pay will not exceed:

(1) a.(1) a.(2)The total of and above;

Page 12 of 18 CP T1 00 01 03

any demonstrated variance from(a) Multiply the original cost by thethe average for that month.number of days from the loss or

damage to the expiration of the (2) If you can accurately establish thelease; and amount of Accounts Receivable out-

standing, that amount will be used in(b) Divide the amount determined inthe determination of loss.(a) above by the number of days

from the installation of improv -e (3) The following will be deducted fromments to the expiration of the the total amount of Accounts Recei -vlease. able, however that amount is esta -b

lished:If your lease contains a renewal o -ption, the expiration of the renewal (a) The amount of the accounts foroption period will replace the expir -a which there is no loss;tion of the lease in this procedure.

(b) The amount of the accounts that(3) Nothing if others pay for repairs or you are able to re-establish or

replacement. collect;f. "Valuable Papers and Records" at the (c) An amount to allow for probable

cost of: bad debts that you are normallyunable to collect; and(1) Blank materials for reproducing the

papers and records; and (d) All unearned interest and servicecharges.(2) Labor to transcribe or copy the p -a

pers and records when there is a d -u j. Stock in process at the cost of raw mat -eplicate, but only if the papers and r -e rials, and labor, plus the proper propo -rcords are actually transcribed or tion of overhead charges.copied.

k. "Electronic Data Processing Equipment"g. "Fine Arts" at the least of: at replacement cost as of the time and

place of loss, without deduction for physi-(1) Market value at the time and place ofcal deterioration, depreciation, obsole -sloss;cence and depletion. However, in the(2) The cost of reasonably restoring thatevent replacement of "Electronic Dataproperty; orProcessing Equipment" with identical

(3) The cost of replacing that property property is impossible, the replacementwith substantially the same property. cost will be the cost of items that are

similar to the damaged or destroyedh. Personal Property of Others at theequipment and intended to perform theamount you are liable not to exceed Ac-same function, but which may includetual Cash Value.technological advances.

i. The value of Accounts Receivable will be"Electronic Data Processing Equipment"determined as follows:that is obsolete or no longer used by you

(1) If you cannot accurately establish the will be valued at actual cash value.amount of Accounts Receivable out-

l. "Electronic Data Processing Data andstanding as of the time of loss, weMedia" for which duplicates do not existwill:will be valued as follows:

(a) Determine the total of the ave -r(1) The cost of blank media; andage monthly amounts of Ac-

counts Receivable for the 12 (2) Your cost to research, replace or r -emonths immediately preceding store the lost electronic data on lost,the month in which the loss oc- damaged or destroyed "Electroniccurs; and Data Processing Data and Media",

but only if the lost electronic data is(b) Adjust that total for any normalactually replaced or restored.fluctuations in the amount of Ac-

counts Receivable for the month m. Duplicate "Electronic Data Processingin which the loss occurred or for Data and Media" at the cost of:

CP T1 00 01 03 Page 13 of 18

The Limit of(1) Blank media; andInsurance for it is: $120,000(2) Labor to copy the electronic data, butThe Deductible is: $500only if the electronic data is actually

copied. The amount of lossis: $40,000F. ADDITIONAL CONDITIONS

Step (1): $250,000 x 80% = $200,000The following conditions apply in addition to theCommon Policy Conditions and the Commercial (the minimum amount of insurance toProperty Conditions. meet your Coinsurance requirements)1. Coinsurance Step (2): $120,000/$200,000 = .60

This Additional Condition does not apply to Step (3): $40,000 x .60 = $24,000"Electronic Data Processing Equipment" and

Step (4): $24,000 - $500 = $23,500"Electronic Data Processing Data and Media"We will pay no more than $23,500. Thewhen a specific Limit of Insurance is shownremaining $16,500 is not covered.for that coverage in the Declarations.

Example No. 2 (Adequate Insurance):If a Coinsurance percentage is shown in theDeclarations, the following condition applies When:when the loss or damage in any one occu -r

The value of the propertyrence is $5,000 or more.is: $250,000

a. We will not pay the full amount of anyThe Coinsurance percent-loss if the value of Covered Property atage for it is: 80%the time of loss times the CoinsuranceThe Limit of Insurance for itpercentage shown for it in the Declar -ais: $200,000tions is greater than the Limit of Insu -r

ance for the property. The Deductible is: $500Instead, we will determine the most we The amount of loss is: $40,000will pay using the following steps:

The minimum amount of insurance to(1) Multiply the value of Covered Pro -p meet your Coinsurance requirement is

erty at the time of loss by the Coi -n $200,000 ($250,000 x 80%).Therefore,surance percentage; the Limit of Insurance in this Example is

adequate and no penalty applies. We will(2) Divide the Limit of Insurance of thepay no more than $39,500 ($40,000property by the figure determined inamount of loss minus the deductible ofstep (1);$500).(3) Multiply the total amount of loss, b -e

b. If one Limit of Insurance applies to two orfore the application of any deductible,more separate items, this condition willby the figure determined in step (2);apply to the total of all property to whichandthe limit applies.(4) Subtract the deductible from the fi -gExample No. 3: (Underinsurance)ure determined in step (3).When:We will pay the amount determined in

step (4) or the Limit of Insurance, whic -h The value of the property is:ever is less. For the remainder, you willeither have to rely on other insurance or

Bldg. at Location No. 1: $75,000absorb the loss yourself.Bldg. at Location No. 2: $100,000Example No. 1 (Underinsurance):Personal Property atWhen: The value of theLocation No. 2 $75,000property is: $250,000Total Value: $250,000The CoinsuranceThe Coinsurance percent-percentage for it is: 80%age for it is: 90%

Page 14 of 18 CP T1 00 01 03

The Limit of Insurance for failed to comply with the terms of thisBuildings and Personal Coverage Part:Property at Locations No. 1 (1) The mortgageholder's rights underand 2 is: $180,000 the mortgage will be transferred to usThe Deductible is: $1,000 to the extent of the amount we pay;

andThe amount of loss is:Bldg. at Location No. 2: $30,000 (2) The mortgageholder's right to recover

the full amount of the mortgag -ePersonal Property atholder's claim will not be impaired.Location No. 2: $20,000

At our option, we may pay to the mort-Total amount of loss $50,000gageholder the whole principal on the

Step (1): $250,000 x 90% = $225,000 mortgage plus any accrued interest. Inthis event, your mortgage and note will(the minimum amount of insurance tobe transferred to us and you will pay yourmeet your Coinsurance requirements andremaining mortgage debt to us.to avoid the penalty shown below)

f. If we cancel this policy, we will give writ-Step (2): $180,000/$225,00 .80ten notice to the mortgageholder at least:Step (3): $50,000 x .80 = $40,000(1) 10 days before the effective date ofStep (4): $40,000 $1,000 = $39,000

cancellation if we cancel for yourWe will pay no more than $39,000. The nonpayment of premium; orremaining $11,000 is not covered.

(2) 30 days before the effective date of2. Mortgageholders cancellation if we cancel for any

other reason.a. The term, mortgageholder, includestrustee. g. If we elect not to renew this policy, we

will give written notice to the mortgag -eb. We will pay for covered loss of or dam-holder at least 10 days before the expir -aage to buildings or structures to eachtion date of this policy.mortgageholder shown in the Declar -a

tions in their order of precedence, as i -n G. OPTIONAL COVERAGESterests may appear.

If shown as applicable in the Declarations, thec. The mortgageholder has the right to r -e following Optional Coverages apply separately to

ceive loss payment even if the mort- each item.gageholder has started foreclosure or

1. Agreed Valuesimilar action on the building or structure.a. The Additional Condition, Coinsurance,d. If we deny your claim because of your

does not apply to Covered Property toacts or because you have failed to com-which this Optional Coverage applies.ply with the terms of this Coverage Part,

the mortgageholder will still have the b. The terms of this Optional Coverage a -pright to receive loss payment if the mort- ply only to loss or damage that occurs ongageholder: or after the effective date of this Optional

Coverage.(1) Pays any premium due under thisCoverage Part at our request if you 2. Inflation Guardhave failed to do so; and a. The Limit of Insurance for property to

(2) Submits a signed, sworn statement of which this Optional Coverage applies willloss within 60 days after receiving automatically increase by the annual pe -rnotice from us of your failure to do centage shown in the Declarations.so. b. The amount of increase will be:

All of the terms of this Coverage Part will (1) The Limit of Insurance that appliedthen apply directly to the mortgageholder.on the most recent of the policy i -n

e. If we pay the mortgageholder for any loss ception date, the policy anniversaryor damage and deny payment to you b -e date, or any other policy changecause of your acts or because you have

CP T1 00 01 03 Page 15 of 18

amending the Limit of Insurance, d. You may make a claim for loss or dam-times age covered by this insurance on an ac-

tual cash value basis instead of on a r -e(2) The percentage of annual increaseplacement cost basis. In the event youshown in the Declarations, expressedelect to have loss or damage settled onas a decimal (example: 8% is .08),an actual cash value basis, you may stilltimesmake a claim for the additional coverage

(3) The number of days since the begi -n this Optional Coverage provides, if youning of the current policy year or the notify us of your intent to do so within 180effective date of the most recent days after the loss or damage.policy change amending the Limit of

e. We will not pay on a replacement costInsurance, divided by 365.basis for any loss or damage:

Example:(1) Until the lost or damaged property is

If: actually repaired or replaced; andThe applicable Limit (2) Unless the repairs or replacement areof Insurance is: $100,000 made as soon as reasonably possible

after the loss or damage.The annual percentageincrease is: 8% This restriction does not apply to losses

less than $5,000 in any one occurrence,The number of days since the beginningother than losses to tenants' improv -eof the policy year (or last policy change)ments and betterments.is: 146

With respect to tenants' improvementsThe amount of increase is:and betterments, the following also apply:$100,000 X .08 X 146/365 = $3,200(3) e.(1) e.(2)If the conditions in and3. Replacement Cost

above are not met, the value of te -na. Replacement Cost (without deduction for ants' improvements and betterments

depreciation) replaces the term Actual will be determined as a proportion ofCash Value in provisions and ofa., e. h. your original cost, as set forth in thethe Loss Condition, Valuation, in Section Actual Cash Value Valuation Condi-E.6. of this Cove age Form.r tion of this Coverage Form; and

b. If you decide to repair or rebuild buildings (4) We will not pay for loss or damage towhich have sustained loss or damage, tenants' improvements and bette -rour payment will include any necessary ments if others pay for repairs or r -eand reasonable architectural, enginee -r placement.ing, consulting or supervisory fees i -n

f. We will not pay more for loss or damagecurred in the repair or rebuilding. This willon a replacement cost basis than thenot increase the applicable Limits of I -nleast of or subject to b -(1), (2), (3), g. esurance.low:

c. This Optional Coverage does not apply(1) The Limit of Insurance applicable toto:

the lost or damaged property;(1) Obsolete property, or property no

(2) The cost to replace, on the samelonger used by you;premises, the lost or damaged pro -p

(2) Residential personal property or pe -r erty with other property:sonal effects;

(a) Of comparable material and(3) Awnings or floor coverings; quality; and(4) Outdoor equipment or furniture; (b) Used for the same purpose; or(5) "Stock", unless the Including "Stock" (3) The amount actually spent that is

option is shown in the Declarations; necessary to repair or replace the lostor or damaged property.

(6) "Vacant" buildings.

Page 16 of 18 CP T1 00 01 03

If a building is rebuilt at a new premises, H. DEFINITIONSthe cost described in above is lim-f.(2) 1. "Pollutants" means any solid, liquid, gaseousited to the cost which would have been or thermal irritant or contaminant, includingincurred if the building had been rebuilt at smoke, vapor, soot, fumes, acids, alkalis,the original premises. chemicals, waste and any unhealthful or haz-

g. The cost of repair or replacement does ardous building materials (including but notnot include the increased cost attributable limited to asbestos and lead products or m -ato enforcement of any ordinance or law terials containing lead). Waste includes mat -eregulating the construction, use or repair rials to be recycled, reconditioned or r -eof any property except as provided under claimed.the Increased Cost of Construction or 2. "Stock" means merchandise held in storageRepair Additional Coverage. or for sale, including supplies used in their

h. We will determine the value of patterns, packing or shipping.dies, molds, and forms not in current u -s 3. "Exhibition" means the temporary display ofage at Actual Cash Value. If the loss is personal property at a convention, exposition,paid on an Actual Cash Value basis, and trade show or similar event at a location youwithin 24 months from the date of the do not own, lease or regularly occupy.loss you need to repair or replace one or

4. "Fine Arts" means paintings, etchings, pic-more of them, we will pay you, subject totures, tapestries, art glass windows, valuablethe conditions of this insurance, the dif-rugs, statuary, marbles, bronzes, antique fu -rference between Actual Cash Value andniture, rare books, antique silver, man -uReplacement Cost for those patterns,scripts, porcelains, rare glass, bric-a-brac,molds and dies which are actually r -eand similar property of rarity, historical value,paired or replaced.or artistic merit.

i. "Electronic Data Processing Equipment"5. "Electronic Data Processing Data and Media"at replacement cost as of the time and

means:place of loss, without deduction for physi-cal deterioration, depreciation, obsole -s a. Data stored as or on, created or used on,cence and depletion. However, in the or transmitted to or from computer soft-event replacement of "Electronic Data ware (including systems and applicationsProcessing Equipment" with identical software) on electronic data processing,property is impossible, the replacement recording or storage media such as hardcost will be the cost of items that are or floppy disks, CD-ROMS, tapes, drives,similar to the damaged or destroyed cells, data processing devices or anyequipment and intended to perform the other repositories of computer softwaresame function, but which may include which are used with electronically co -ntechnological advances. trolled equipment;"Electronic Data Processing Equipment" b. The electronic media on which the data isthat is obsolete or no longer used by you stored; andwill be valued at actual cash value.

c. Programming records and instructionsj. "Electronic Data Processing Data and used for "Electronic Data Processing

Media" for which duplicates do not exist Equipment".will be valued as follows:

6. "Electronic Data Processing Equipment"(1) The cost of blank media; and means any of the following equipment used

in your data processing operations:(2) Your cost to research, replace or r -estore the lost electronic data on lost, a. Electronic data processing equipment,damaged or destroyed "Electronic facsimile machines, word processors,Data Processing Data and Media", multi-functional telephone equipment andbut only if the lost electronic data is laptop and portable computers; andactually replaced or restored.

b. Any component parts and peripherals ofsuch equipment, including related surgeprotection devices.

CP T1 00 01 03 Page 17 of 18

"Electronic Data Processing Equipment" does 8. "Valuable Papers and Records" means i -nnot include equipment used to operate pr -o scribed, printed or written documents, man -uduction type machinery or equipment. scripts or records, including abstracts, books,

deeds, drawings, films, maps or mortgages.7. "Vacant." See applicable Causes of LossBut "Valuable Papers and Records" does notform as shown in the Declarations.include money, securities or "Electronic DataProcessing Data and Media".

Page 18 of 18 CP T1 00 01 03

COMMERCIAL PROPERTY

EXTRA EXPENSE COVERAGE FORM

Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties andwhat is and is not covered.

Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations. Thewords "we", "us" and "our" refer to the Company providing this insurance.

Other words and phrases that appear in quotation marks have special meaning. Refer to SECTION EDEFINITIONS.

We will also pay Extra Expense (includingA. COVERAGEExpediting Expense) to repair or replace theWe will pay the actual reasonable and necessaryproperty, but only to the extent it reduces theExtra Expense you sustain due to direct physicalamount of loss that otherwise would haveloss of or damage to property at premises whichbeen payable under this Coverage Form.are described in the Declarations and for which

2. Additional Coveragesan Extra Expense Limit of Insurance is shown inthe Declarations. The loss or damage must be Unless otherwise stated, payments madecaused by or result from a Covered Cause of under these Additional Coverages will not i -nLoss. With respect to loss of or damage to pro -p crease the applicable Limits of Insurance.erty in the open or property in a vehicle, the d -e

Unless otherwise indicated in the Declar -ascribed premises includes the area within 1,000tions or by endorsement, the following Addi-feet of the building at which the described prem-tional Coverages apply:ises is located.a. Alterations and New BuildingsWith respect to the requirements set forth in the

preceding paragraph, if you occupy only part of We will pay for the actual and necessarythe site at which the described premises are l -o Extra Expense you incur due to directcated, your premises means: physical loss or damage at the described

premises caused by or resulting from any(i) The portion of the building which youCovered Cause of Loss to:rent, lease or occupy; and(1) New buildings or structures, whether(ii) Any area within the building or on the site

complete or under construction;at which the described premises are l -ocated, if that area services, or is used to (2) Alterations or additions to existinggain access to, the described premises. buildings or structures; and

1. Extra Expense (3) Machinery, equipment, supplies orbuilding materials located on orExtra Expense means reasonable and nec-within 1,000 feet of the describedessary expenses you incur during the "periodpremises and:of restoration" that you would not have i -n

curred if there had been no direct physical (a) Used in the construction, alter -aloss or damage to property. tions or additions; orWe will pay Extra Expense (other than the (b) Incidental to the occupancy ofexpense to repair or replace property) to: new buildings.a. Avoid or minimize the "suspension" of b. Civil Authority

business and to continue "operations" atWe will pay for the actual reasonable andthe described premises or at replacementnecessary Extra Expense you incurpremises or temporary locations, inclu -dcaused by action of civil authority thating relocation expenses and costs toprohibits access to the described prem-equip and operate the replacement loc -aises. The civil authority action must betion or temporary location; ordue to direct physical loss or damage by

b. Minimize the "suspension" of business if a Covered Cause of Loss to property atyou cannot continue "operations". locations, other than the described

CP T1 12 01 03 Page 1 of 5

COMMERCIAL PROPERTY

premises, that are within 100 miles of the (d) Coverage for Extra Expense atdescribed premises. the location is more specifically

insured.Unless a different coverage period i in-sdicated in the Declarations, this coverage We will charge you additional pr -ewill apply for a period of up to three co -n mium from the date you acquire thesecutive weeks from the date of that ac- property.tion. b. Claim Data Expense

c. Interruption of Computer Operations You may extend the insurance providedWe will pay for the reasonable and nec- by this Coverage Form to apply to theessary Extra Expense you incur during expense you incur in preparing claimthe "period of restoration" caused by di- data when we require it. This includes therect physical loss or damage to "Elec- cost of taking inventories, making a -ptronic Data Processing Data and Media" praisals and preparing other documentsat the described premises by a Covered to show the extent of Extra Expenses.Cause of Loss. The most we will pay for preparation of

claim data under this Extension in anyThe most we will pay under this Addi-one occurrence is $2,500.tional Coverage is $25,000 for the sum of

all covered interruptions arising out of all We will not pay for:Covered Causes of Loss occurring during (1) Any expenses incurred, directed oreach separate 12 month period of this billed by or payable to attorneys, i -npolicy beginning with the effective date of surance adjusters or their associatesthis policy. The amount payable under or subsidiaries;this Additional Coverage is in addition to

(2) Any costs as provided in the Lossthe Limit of Insurance.Condition Appraisal; or

3. Coverage Extensions(3) Any expenses incurred, directed, or

Each of these Coverage Extensions is addi- billed by or payable to insurance br -otional insurance. Unless otherwise indicated kers or agents, or their subsidiaries,in the Declarations or by endorsement, the without our written consent prior tofollowing Coverage Extensions apply: such expenses being incurred.a. Newly Acquired Locations B. COVERED CAUSES OF LOSS, EXCLUSIONS

(1) You may extend your Extra Expense AND LIMITATIONSCoverage to apply to property (i -n 1. See applicable Causes of Loss Form ascluding property under construction)

shown in the Declarations.at any location you acquire by pu -r2. Additional Limitation Interruption ofchase or lease (other than fairs, trade

Computer Operationsshows or exhibitions).

Coverage for Extra Expense does not apply(2) The most we will pay for loss underto any loss or increase in loss caused by di-this Extension is $100,000 in any onerect physical loss or damage to "Electronicoccurrence at each newly acquiredData Processing Data and Media", except aslocation.provided under the Additional Coverage(3) Insurance under this Extension forInterruption of Computer Operations.each newly acquired location will end

C. LIMITS OF INSURANCEwhen any of the follo ing first occurs:w

The most we will pay for loss in any one occu -r(a) This policy expires;rence is the applicable Limit of Insurance shown(b) 90 days expire after you acquire in the Declarations, this Coverage Form or any

or begin to construct the pro -p endorsements applicable to this Coverage Form.erty;

D. LOSS CONDITIONS(c) You report the location to us; or

The following conditions apply in addition to theCommon Policy Conditions and the CommercialProperty Conditions.

Page 2 of 5 CP T1 12 01 03

COMMERCIAL PROPERTY

and permit us to make copies from1. Appraisalyour books and records.If we and you disagree on the amount of loss,

(6) Send us a signed, sworn proof of losseither may make written demand for an a -ppraisal of the loss. In this event, each party containing the information we requestwill select a competent and impartial a - to investigate the claim. You must doppraiser. The two appraisers will select an um- this within 60 days after our request.pire. If they cannot agree, either may request We will supply you with the nece -sthat selection be made by a judge of a court sary forms.having jurisdiction. The appraisers will state (7) Cooperate with us in the investigationseparately the amount of loss. If they fail to or settlement of the claim.agree, they will submit their differences to the

(8) If you intend to continue your busi-umpire. A decision agreed to by any two willness, you must resume all or part ofbe binding. Each party will:your "operations" as quickly as possi-

a. Pay its chosen appraiser; and ble.b. Bear the other expenses of the appraisal b. We may examine any insured under

and umpire equally. oath, while not in the presence of anyIf there is an appraisal, we will still retain our other insured and at such times as mayright to deny the claim. be reasonably required, about any matter

relating to this insurance or claim, i -n2. Duties If You Incur Extra Expensecluding an insured's books and records.

a. You must see that the following are done In the event of an examination, an i -nif you incur Extra Expense: sured's answers must be signed.(1) Notify the police if a law may have 3. Limits On Loss Payment

been broken.We will not pay more for Extra Expense than

(2) Give us prompt notice of the direct the percentages shown in the Declarationsphysical loss or damage. Include a times the Limit of Insurance.description of the property involved.

When the "period of restoration" is:(3) As soon as possible, give us a d -e

a. 30 days or less, the first percentage a -pscription of how, when and where theplies.direct physical loss or damage oc-

b. 60 days or less, but more than 30 days,curred.the second percentage applies.(4) Take all reasonable steps to protect

c. More than 60 days, the third percentageCovered Property from further damapplies.age, and keep a record of your ex-

penses necessary to protect Covered Example:Property for consideration in the set-

The Limit of Insurance is: $100,000tlement of the claim. This will not i -ncrease the Limit of Insurance. Ho -w The percentages shown in

40%-80%-100%ever, we will not pay for any subs -e the Declarations are:quent loss or damage resulting from 45 daysThe "period of restoration" is:a cause of loss that is not a Covered

The amount of Extra ExpensesCause of Loss. Also, if feasible, setincurred is: $90,000the damaged property aside and in

the best possible order for examin -a We will not pay more than $100,000 timestion. 80% (the percentage applicable for a "period

of restoration" of 31 60 days), or $80,000.(5) As often as may be reasonably r -eThe remaining $10,000 is not covered.quired, permit us to inspect the pro -p

erty proving the loss or damage and 4. Loss Determinationexamine your books and records. a. The amount of Extra Expense will beAlso permit us to take samples of determined based on:damaged and undamaged property

(1) All expenses that exceed the normalfor inspection, testing and analysis,operating expenses that would have

CP T1 12 01 03 Page 3 of 5

COMMERCIAL PROPERTY

been incurred by "operations" during a. Begins with the date of direct physicalthe "period of restoration" if no direct loss or damage caused by or resultingphysical loss or damage had oc- from any Covered Cause of Loss at thecurred. We will deduct from the total described premises; andof such expenses: b. Ends on the date when the property at(a) The salvage value that remains the described premises should be r -e

of any property bought for temp -o paired, rebuilt or replaced with reaso -nrary use during the "period of able speed and similar quality or the daterestoration", once "operations" when business is resumed at a new pe -rare resumed; and manent location.

(b) Any Extra Expense that is paid "Period of restoration" does not include anyfor by any other insurance, ex- increased period required due to the e -ncept for insurance that is written forcement of any ordinance or law that:subject to the same plan, terms, (1) Regulates the construction, use or repair,conditions and provisions as this or requires the tearing down of any pro -pinsurance; and erty; or

(2) Necessary expenses that reduce the (2) Requires any insured or others to test for,Extra Expense loss otherwise i -n monitor, clean up, remove, contain, treat,curred. detoxify or neutralize, or in any way r -e

b. We will reduce the amount of your Extra spond to, or assess the effects of "pollut-Expense loss to the extent you can r - ants".eturn "operations" to normal and disco -n The expiration date of this policy will not cuttinue such Extra Expense. short the "period of restoration".

c. If you do not resume "operations", or do 3. "Pollutants" means any solid, liquid, gaseousnot resume "operations" as quickly as or thermal irritant or contaminant, includingpossible, we will pay based on the length smoke, vapor, soot, fumes, acids, alkalis,of time it would have taken to resume chemicals, waste and any unhealthful or haz-"operations" as quickly as possible. ardous building material (including but not

limited to asbestos and lead products or m -a5. Loss Paymentterials containing lead). Waste includes mat -eWe will pay for any loss within 30 days afterrials to be recycled, reconditioned or r -ewe receive the proof of loss, if you haveclaimed.complied with all of the terms of this Cove -r

4. "Suspension" means the partial or completeage Part; andcessation of your business activities.a. We reach agreement with you on the

5. "Electronic Data Processing Data and Media"amount of loss; ormeans:b. An appraisal award has been made.a. Data stored as or on, created or used on,At our option, we may make a partial pay-

or transmitted to or from computer soft-ment toward any claims, subject to the policyware (including systems and applicationprovisions and our normal adjustment proc-software) on electronic data processing,ess. To be considered for a partial claimrecording or storage media such as hardpayment, you must submit a partial swornor floppy disks, CD-ROMS, tapes, drives,proof of loss with supporting documentaion.cells, data processing devices or anyAny applicable deductibles must be satisfiedother repositories of computer softwarebefore any partial payments are made.which are used with electronically co -n

E. DEFINITIONS trolled equipment;1. "Operations" means your business activities b. The electronic media on which the data is

occurring at the described premises. stored; and2. "Period of Restoration" means the period of c. Programming records and instructions

time that: used for "Electronic Data ProcessingEquipment".

Page 4 of 5 CP T1 12 01 03

COMMERCIAL PROPERTY

6. b."Electronic Data Processing Equipment" Any component parts and peripherals ofmeans any of the following equipment used such equipment, including related surgein your data processing operations: protection devices.

"Electronic Data Processing Equipment" doesa. Electronic data processing equipment,not include equipment used to operate pr -ofacsimile machines, word processors,duction type of machinery or equipment.multi-functional telephone equipment and

laptop and portable computers; and

CP T1 12 01 03 Page 5 of 5

CAUSES OF LOSS SPECIAL FORM

Words and phrases that appear in quotation marks have special meaning. Refer to SECTION F DEFINITIONS.

A. COVERED CAUSES OF LOSS (4) Earth sinking (other than sinkholecollapse), rising or shifting includingWhen Special is shown in the Declarations, Co -vsoil conditions which cause settling,ered Causes of Loss means RISKS OF DIRECTcracking or other disarrangement ofPHYSICAL LOSS unless the loss is:foundations or other parts of realty.

1. B.,Excluded in Section Exclusions; or Soil conditions include contraction,expansion, freezing, thawing, er -o2. C.,Limited in Section Limitations;sion, improperly compacted soil andthat follow. the action of water under the ground

B. EXCLUSIONS surface;

1. We will not pay for loss or damage caused all whether naturally occurring or due todirectly or indirectly by any of the following. man-made or other artificial causes.Such loss or damage is excluded regardless But if Earth Movement, as described in b.of any other cause or event that contributes (1) (4)through above, results in fire orconcurrently or in any sequence to the loss. explosion, we will pay for the loss ora. Ordinance or Law damage caused by that fire or explosion.

The enforcement of any ordinance or (5) Volcanic eruption, explosion or eff -ulaw: sion. But if volcanic eruption, expl -o

sion or effusion results in fire, buil -d(1) Regulating the construction, use oring glass breakage or volcanic ac-repair of any property; ortion, we will pay for the loss or dam-

(2) Requiring the tearing down of any age caused by that fire, buildingproperty, including the cost of r -e glass breakage or volcanic action.moving its debris.

Volcanic action means direct loss orThis exclusion, Ordinance or Law, a -p damage resulting from the eruptionplies whether the loss results from: of a volcano when the loss or dam-

age is caused by:(1) An ordinance or law that is enforcedeven if the property has not been (a) Airborne volcanic blast or air-damaged; or borne shock waves;

(2) The increased costs incurred to com- (b) Ash, dust or particulate matter; orply with an ordinance or law in the

(c) Lava flow.course of construction, repair, ren -ovation, remodeling or demolition of All volcanic eruptions that occurproperty, or removal of its debris, within any 168 hour period will co -nfollowing a physical loss to that pro -p stitute a single occu rence.rerty. Volcanic action does not include the

b. Earth Movement cost to remove ash, dust or partic -ulate matter that does not cause direct(1) Earthquake, including any earthphysical loss or damage to the d -esinking, rising or shifting related toscribed property.such event;

c. Governmental Action(2) Landslide, including any earth sink-ing, rising or shifting related to such Seizure or destruction of property by o -revent; der of governmental authority.

(3) Mine subsidence, meaning subsi- But we will pay for loss or damagecaused by or resulting from acts of d -edence of a man-made mine, whetherstruction ordered by governmentalor not mining activity has ceased;authority and taken at the time of a fire to

CP T1 08 01 03 Page 1 of 10

prevent its spread, if the fire would be (a) Foundations, walls, floors orcovered under this Coverage Part. paved surfaces;

d. Nuclear Hazard (b) Basements, whether paved ornot; orNuclear reaction or radiation, or radioac-

tive contamination, however caused. (c) Doors, windows or other ope -nings;But if nuclear reaction or radiation, or r -a

dioactive contamination, results in fire, all whether naturally occurring or due towe will pay for the loss or damage man-made or other artificial causes.caused by that fire. But if Water, as described in g.(1)

e. Utility Services through above, results in fire, ex-g.(4)plosion or sprinkler leakage, we will payThe failure or fluctuation of power orfor the loss or damage caused by thatother utility service supplied to the d -efire, explosion or sprinkler leakage.scribed premises, however caused, if the

failure or fluctuation occurs away from h. Neglectthe described premises.

Neglect of an insured to use all reaso -nBut if the failure or fluctuation of power or able means to save and preserve pro -pother utility service results in a Covered erty from further damage at and after theCause of Loss, we will pay for the loss or time of loss.damage caused by that Covered Cause

Exclusions through applyB.1.a. B.1.h.of Loss.whether or not the loss event results in wid -e

This exclusion does not apply to B i-us spread damage or affects a substantial area.ness Income Coverage or Extra Expense

2. We will not pay for loss or damage caused byCoverage. Instead, the Special Exclusionor resulting from any of the following:in paragraph applies to theseB.4.a.(1)a. Artificially generated electrical current,coverages.

including electric arcing, that disturbsf. War And Military Actionelectrical devices, equipment, appliances

(1) War, including undeclared or civil or wires. But if artificially generated elec-war; trical current results in fire, we will pay for

the loss or damage caused by that fire.(2) Warlike action by a military force, i -ncluding action in hindering or d -e b. Delay, loss of use or loss of market.fending against an actual or expected

c. Smoke, vapor or gas from agriculturalattack, by any government, sove -rsmudging or industrial operations.eign or other authority using military

d. (1) Wear and tear;personnel or other agents; or

(2) Rust, other corrosion, fungus, decay,(3) Insurrection, rebellion, revolution,deterioration, hidden or latent defectusurped power, or action taken byor any quality in property that causesgovernmental authority in hinderingit to damage or destroy itself;or defending against any of these.

(3) Smog;g. Water

(4) Settling, cracking, shrinking or ex-(1) Flood, surface water, waves, tides,pansion;tidal waves, overflow of any body of

water, or their spray, all whether (5) Nesting or infestation or discharge ordriven by wind or not; release of waste products or secr -e

tions, by insects, birds, rodents or(2) Mudslide or mudflow;other animals;(3) Water or sewage that backs up or

(6) Mechanical breakdown, includingoverflows from a sewer, drain orrupture or bursting caused by ce -nsump; ortrifugal force. But if mechanical(4) Water under the ground surfacebreakdown results in elevator colli-pressing on, or flowing or seeping

through:

Page 2 of 10 CP T1 08 01 03

sion, we will pay for the loss or dam- h. Dishonest or criminal act by you, any ofage caused by that elevator collision; your partners, members, officers, ma -n

agers, employees (including leased em-(7) The following causes of loss to pe -rployees), directors, trustees, authorizedsonal property:representatives or anyone to whom you

(a) Dampness or dryness of atmo -s entrust the property for any purpose:phere;

(1) Acting alone or in collusion with ot -h(b) Changes in or extremes of tem- ers; or

perature;(2) Whether or not occurring during the

(c) Marring or scratching; hours of employment.(d) Changes in flavor, color, texture This exclusion does not apply to acts of

or finish; destruction by your employees (includingleased employees); but theft by employ-(e) Evaporation or leakage; orees (including leased employees) is not

(8) Contamination by other than "pollut- covered.ants".

i. Voluntary parting with any property byBut if an excluded cause of loss that is you or anyone else to whom you havelisted in through results in a2.d.(1) (8) entrusted the property."specified cause of loss" or building glass

j. Rain, snow, sand, dust, ice or sleet tobreakage, we will pay for the loss orpersonal property in the open.damage caused by that "specified cause

of loss" or building glass breakage. k. Collapse, except as provided below in theAdditional Coverage Collapse. But ife. Explosion of steam boilers, steam pipes,collapse results in a Covered Cause ofsteam engines or steam turbines ownedLoss at the described premises, we willor leased by you, or operated under yourpay for the loss or damage caused bycontrol. But if explosion of steam boilers,that Covered Cause of Loss.steam pipes, steam engines or steam

turbines results in fire or combustion ex- l. Discharge, dispersal, seepage, migration,plosion, we will pay for the loss or dam- release or escape of "pollutants" unlessage caused by that fire or combustion the discharge, dispersal, seepage, migr -aexplosion. We will also pay for loss or tion, release or escape is itself caused bydamage caused by or resulting from the any of the "specified cause of loss". But ifexplosion of gases or fuel within the fu -r the discharge, dispersal, seepage, migr -anace of any fired vessel or within the tion, release or escape of "pollutants" r -eflues or passages through which the sults in a "specified cause of loss", wegases of combustion pass. will pay for the loss or damage caused by

that "specified cause of loss".f. Continuous or repeated seepage or leak-age of water, or the presence or conde -n This exclusion , does not apply to dam-, l.sation of humidity, moisture or vapor, age to glass caused by chemicals appliedthat occurs over a period of 14 days or to the glass.more.

m. The cost of correcting or making goodg. Water, other liquids, powder or molten the damage to personal property attribut-

material that leaks or flows from plum -b able to such property being processed,ing, heating, air conditioning or other manufactured, tested, repaired, restored,equipment (except fire protective sy -s retouched or otherwise being workedtems) caused by or resulting from freez- upon.ing, unless:

3. We will not pay for loss or damage caused by(1) You do your best to maintain heat in or resulting from any of the following, 3.a.

the building or structure; or through But if an excluded cause of loss3.c.that is listed in and results in a Co -3.a. 3.b. v(2) You drain the equipment and shut offered Cause of Loss, we will pay for the r -ethe supply if the heat is not mai -nsulting loss or damage caused by that Co -vtained.ered Cause of Loss.

CP T1 08 01 03 Page 3 of 10

ed, if the failure occurs outside of aa. Weather conditions. But this exclusioncovered building.only applies if weather conditions co -n

tribute in any way with a cause or event But if the failure or fluctuation ofexcluded in above to produce theB.1. power or other utility service resultsloss or damage. in loss or damage by a Covered

Cause of Loss, we will pay for theb. Acts or decisions, including the failure toloss or damage caused by that Co -vact or decide, of any person, group, o -rered Cause of Loss.ganization or governmental body.

(2) Any loss caused by or resulting from:c. Faulty, inadequate or defective:

(a) Damage or destruction of "fi -n(1) Planning, zoning, development, su -rished stock"; orveying, siting;

(b) The time required to reproduce(2) Design, specifications, workmanship,"finished stock".repair, construction, renovation, r -e

modeling, grading, compaction; This exclusion does not apply to Ex-tra Expense.(3) Materials used in repair, construction,

renovation or remodeling; or (3) Any loss caused by or resulting fromdirect physical loss of or damage to(4) Maintenance;the following property while outside

of part or all of any property on or off the of buildings:described premises.

(a) Harvested grain, hay, straw orIf an excluded cause of loss that is listedother crops;in above results in a Covered Cause3.c.

(b) Outdoor trees, shrubs, plants,of Loss, we will pay for the resulting losslawns (including fairways, greensor damage caused by that Coveredand tees), growing crops, land orCause of Loss. But we will not pay for:water; and(1) Any cost of correcting or making

(c) Radio or television antennas, (i -ngood the fault, inadequacy or defectcluding microwave or satelliteitself, including any cost incurred todishes) and their lead-in wiring,tear down, tear out, repair or replacemasts or towers.any part of any property to correct

the fault, i adequacy or defect; orn (4) Any increase of loss caused by or r -esulting from:(2) Any resulting loss or damage by a

Covered Cause of Loss to the pro -p (a) Delay in rebuilding, repairing orerty that has the fault, inadequacy or replacing the property or resum-defect until the fault, inadequacy or ing "operations" due to interfe -rdefect is corrected. ence at the location of the r -e

building, repair or replacement by4. Special Exclusionsstrikers or other persons; orThe following provisions apply only to the

(b) Suspension, lapse or cancellationspecified Coverage Forms and/or coveragesof any license, lease or contract.when they are part of this policy.But if the suspension, lapse ora. Business Income (And Extra Expense)cancellation is directly caused byCoverage Form, Business Income the suspension of "operations",

(Without Extra Expense) Coverage we will cover such loss that af-Form, or Extra Expense Coverage fects your Business Income du -rForm ing the "period of restoration" andWe will not pay for: any extension of the "period of

restoration" in accordance with(1) Any loss caused directly or indirectlythe terms of the Extended Busi-by the failure or fluctuation of powerness Income Additional Cove -ror other utility service supplied to theage, or any variation of these.described premises, however caus-

Page 4 of 10 CP T1 08 01 03

(5) (i)Any Extra Expense caused by or r - Your assumption of liabilityesulting from suspension, lapse or was executed prior to the ac-cancellation of any license, lease or cident; andcontract beyond the "period of rest -o (ii) The building is Coveredration". Property under this Coverage

(6) Any other consequential loss. Form.

b. Leasehold Interest Coverage Form (b) Nuclear Hazard

The following applies to this Coverage We will not defend any claim orForm: "suit", or pay any damages, loss,

expense or obligation, resulting(1) B.1.a.,Exclusion Ordinance or Law,from nuclear reaction or radi -adoes not apply; andtion, or radioactive contamin -a

(2) We will not pay for any loss caused tion, however caused.by:

d. Electronic Data Processing Equi -p(a) Your cancelling the lease; ment; Electronic Data Processing Data

and Media; Valuable Papers and Re -c(b) The suspension, lapse or ca -nords and Accounts Receivable Cover-cellation of any license; orages(c) Any other consequential loss.(1) Exclusions:c. Legal Liability Coverage Form

(a) B. 2. a., which excludes loss(1) The following exclusions do not applycaused by or resulting from artifi-to insurance under this Coveragecially generated electrical currentForm:that disturbs electrical devices,

(a) B.1.a.,Paragraph Ordinance or equipment, appliances or wires;Law; and

(b) B.1.c.,Paragraph Governmental (b) B. 2.c., which excludes lossAction; caused by or resulting from

smoke, vapor, or gas from agri-(c) B.1.d.,Paragraph Nuclear Ha -zcultural smudging or industrialard;operations;

(d) B.1.e.,Paragraph Utility Ser -vdo not apply to loss or damage toices; and"Electronic Data Processing Equi -p

(e) B.1.f.Paragraph War and Mil -i ment", "Electronic Data Processingtary Action. Data and Media" and "Valuable P -a

pers and Records"; or to loss of Busi-(2) The following additional exclusionsness Income and Extra Expense thatapply to insurance under this Cove -ris a consequence of such loss orage Form:damage.(a) Contractual Liability

(2) With respect to "Electronic DataWe will not defend any claim orProcessing Equipment" and "Elec-"suit", or pay damages that youtronic Data Processing Data and M -eare legally liable to pay, solely bydia":reason of your assumption of li-(a) Exclusion B.2.d.(6) , which ex-ability in a contract or agreement.

But this exclusion does not apply cludes loss caused by or result-to a written lease agreement in ing from mechanical breakdown,which you have assumed liability including rupture or bursting offor building damage resulting pipes, does not apply. The r -efrom an actual or attempted bu -r mainder of the exclusionB.2.d.glary or robbery, provided that: continues to apply, but if a cause

of loss listed in throughB.2.d.(1)(5) B.2.d.(7)and results in m -echanical breakdown of "Elec-

CP T1 08 01 03 Page 5 of 10

tronic Data Processing Equi - "specified cause of loss" orpment" or in any of the "specified mechanical breakdown ofcause of loss", we will pay for the "Electronic Data Processingresulting loss or da age. Equipment", we will pay form

the resulting loss or damage;(b) The following exclusion is added:or

We will not pay for loss or dam-(iv) Unexplained or indetermi -nage to "Electronic Data Proces -s

able failure, malfunction oring Equipment" and "Electronicslowdown of a computerData Processing Data and M -esystem, including electronicdia"; or loss of Business Incomedata and the inability to ac-or Extra Expense, that is a co -ncess or properly manipulatesequence of loss or damage tothe electronic data."Electronic Data Processing

Equipment" and "Electronic Data (c) The second paragraph of theProcessing Data and Media"; Utility Services Exclusion, B.1.e.,caused by or resulting from any and the Special Exclusion appli-of the following: cable to Business Income or Ex-

tra Expense coverage, B.4.a.(1),(i) Programming errors, omi -sare deleted and replaced by thesions or incorrect instructionsfollowing:to a machine. But if pr -o

gramming errors, omissions But if the failure or fluctuation ofor incorrect instructions to a power or other utility service r -emachine results in a "speci- sults in a Covered Cause of Lossfied cause of loss" or m -e (other than mechanical break-chanical breakdown of down of "Electronic Data Proc-"Electronic Data Processing essing Equipment" or loss orEquipment", we will pay for damage from artificially gene -rthe resulting loss or damage; ated electrical current which di -s

turbs electrical devices, equi -p(ii) Unauthorized viewing, copy-ment, appliances or wires), weing or use of electronic datawill pay for the resulting loss or(or any proprietary or confi-damage caused by that Covereddential information or intel-Cause of Loss.lectual property in any form)

by any person, even if such (3) With respect to Accounts Receivableactivity is characterized as coverage, we will not pay for:theft; (a) Loss caused by or resulting from

(iii) Errors or deficiency in d -e bookkeeping, accounting or bill-sign, installation, maint -e ing errors or omissions;nance, repair or modification (b) Loss that requires an audit of r -eof your computer system or cords or any inventory comput -aany computer system or net- tion to prove its factual exi -swork to which your system is tence; orconnected or on which your

(c) Loss caused by or resulting fromsystem depends (includingalteration, falsification, conceal-electronic data). But if errorsment or destruction of records ofor deficiency in design, i -naccounts receivable done to co -nstallation, maintenance, r -eceal the wrongful giving, takingpair or modification of youror withholding of money, securi-computer system or anyties or other property. But thiscomputer system or networkexclusion applies only to the ex-to which your system is co -ntent of the wrongful giving, takingnected or on which youror withholding.system depends (including

electronic data) results in a

Page 6 of 10 CP T1 08 01 03

(4) (2)With respect to "Valuable Papers and The loss or damage is caused by orRecords" coverage, we will not pay results from thawing of snow, sleet orfor any loss or damage caused by or ice on the building or structure.resulting from: d. Building materials and supplies not at-(a) Unauthorized viewing, copying or tached as part of the building or structure,

use of electronic data (or any caused by or resulting from theft.proprietary or confidential info -r However, this limitation does not applymation or intellectual property in to:any form) by any person, even if

(1) Building materials and supplies heldsuch activity is characterized asfor sale by you, unless they are i -ntheft; orsured under the Builders Risk Cove -r

(b) Errors or omissions in processing age Form; oror copying. But if errors or omi -s

(2) Business Income coverage or Extrasions in processing or copyingExpense coverage.results in fire or explosion, we will

pay for the resulting loss or dam- e. Property that is missing, where the onlyage caused by that fire or expl -o evidence of the loss or damage is asion. shortage disclosed on taking inventory, or

other instances where there is no physi-C. LIMITATIONScal evidence to show what happened to

The following limitations apply to all policy forms the property.and endorsements, unless otherwise stated.

f. Property that has been transferred to a1. We will not pay for loss of or damage to person or to a place outside the d -e

property, as described and limited in this sec- scribed premises on the basis of una -ution. In addition, we will not pay for any loss thorized instructions.that is a consequence of loss or damage as

2. We will not pay for loss of or damage to thedescribed and limited in this section.following types of property unless caused by

a. Steam boilers, steam pipes, steam e -n a "specified cause of loss" or building glassgines or steam turbines caused by or r -e breakage:sulting from any condition or event inside

a. Live animals, birds, or fish and then onlysuch equipment. But we will pay for lossif they are killed or their destruction isof or damage to such equipment causedmade necessary.by or resulting from an explosion of

gases or fuel within the furnace of any b. Fragile articles such as glassware, stat -ufired vessel or within the flues or pa -s ary, marbles, chinaware and porcelains, ifsages through which the gases of com- broken. This restriction does not apply to:bustion pass.

(1) Glass that is part of a building orb. Hot water boilers or other water heating structure; or

equipment caused by or resulting from(2) Containers of property held for sale.any condition or event inside such boilers

c. Builders' machinery, tools, and equi -por equipment, other than an explosion.ment owned by you or entrusted to you,c. The "interior of any building or structure",provided such property is Covered Pro -por to personal property in the building orerty. However, this limitation does notstructure, caused by or resulting fromapply:rain, snow, sleet, ice, sand or dust,(1) If the property is located on or withinwhether driven by wind or not, unless:

1,000 feet of the described premises,(1) The building or structure first sustainsunless the premises is insured underdamage by a Covered Cause of Lossthe Builders Risk Coverage Form; orto its roof or walls through which the

(2) To Business Income coverage or torain, snow, sleet, ice, sand or dustExtra Expense coverage.enters; or

3. a.The special limit shown for each category,through is the total limit for loss of ord.,

CP T1 08 01 03 Page 7 of 10

damage to all property in that category. The (5) Theft; orspecial limit applies to any one occurrence of (6) Attempted theft.theft, regardless of the types or number of

b. With respect to Covered Causes of Lossarticles that are lost or damaged in that oc-other than those listed in through5.a.(1)currence. The special limits are:5.a.(6) above, we will reduce the amounta. $5,000 for furs, fur garments and ga -rwe would otherwise pay for the loss orments trimmed with fur.damage by 15%.

b. $5,000 for jewelry, watches, watchD. ADDITIONAL COVERAGE COLLAPSEmovements, jewels, pearls, precious and

The term Covered Cause of Loss includes thesemi-precious stones, bullion, gold, sil-Additional Coverage Collapse as described andver, platinum and other precious alloys orlimited in , through below.D.1. D.5.metals. This limit does not apply to je -w

elry and watches worth $100 or less per 1. With respect to buildings, collapse means:item.

a. An abrupt falling down or caving in of ac. $25,000 for patterns, dies, molds and building or any portion of a building with

forms. the result that the building or portion ofthe building cannot be occupied for itsd. $1,000 for stamps, tickets, including lot-intended purpose; ortery tickets held for sale, and letters of

credit. b. A building or any portion of a buildingthat has not abruptly fallen down orThese special limits are part of, not in addi-caved in, but is in imminent danger oftion to, the Limit of Insurance applicable toabruptly falling down or caving in, or hasthe Covered Property.suffered a substantial impairment ofThis limitation, , does not apply to Busi-C.3.structural integrity.ness Income coverage or to Extra Expense

A building that is standing or any portion of acoverage.building that is standing is not considered to4. We will not pay the cost to repair any defectbe in a state of collapse even if it shows evi-to a system or appliance from which water,dence of cracking, bulging, sagging, bending,other liquid, powder or molten material e -sleaning, settling, shrinkage or expansion u -ncapes. But we will pay the cost to repair orless the building is in imminent danger ofreplace damaged parts of fire extinguishingabruptly falling down or caving in or has suf-equipment if the damage:fered a substantial impairment of structural

a. Results in discharge of any substance integrity.from an automatic fire protection system; 2. a. We will pay for direct physical loss oror

damage to Covered Property, caused byb. Is directly caused by freezing. the collapse of a building or any part of a

building that is insured under thisHowever, this limitation does not apply toCoverage Form or that contains CoveredBusiness Income coverage or to Extra Ex-Property insured under this Coveragepense coverage.Form, if the building or any portion of the

5. If the building where loss or damage occurs building is in a state of collapse (ashas been "vacant" for more than 60 consec -u defined in and above) and the1.a. b.tive days before that loss or damage occurs: state of collapse is caused by:a. We will not pay for any loss or damage (1) A "specified cause of loss" or break-

caused by any of the following even if age of building glass;they are Covered Causes of Loss:

(2) Weight of people or personal pro -p(1) Vandalism; erty; or(2) Sprinkler leakage, unless you have (3) Weight of rain that collects on a roof;

protected the system against freez- anding;

b. When a building or any portion of a(3) Building glass breakage; building has abruptly fallen down or(4) Discharge or leakage of water;

Page 8 of 10 CP T1 08 01 03

caved in and can no longer be occupied ered building insured under this Cove -rfor its intended purpose, we will also pay age Form; andfor any direct physical loss or damage to b. 3. a. 3. i.The property listed in throughCovered Property caused by: above is Covered Property under this(1) Decay that is hidden from view, u -n Coverage Part.

less the presence of such decay is 4. If personal property abruptly falls down orknown to an insured prior to collapse; caves in and such collapse is not the result of

(2) Insect or vermin damage that is hi -d collapse of a building, we will pay for loss orden from view, unless the presence damage to Covered Property caused by suchof such damage is known to an i - collapse of personal property only if:nsured prior to collapse; or a. The collapse was caused by a Cause of

(3) Use of defective material or methods Loss listed in and above;D. 2. a. D. 2. b.in construction, remodeling or ren -o b. The personal property which collapses isvation if the building abruptly falls inside a building; anddown or caves in during the course of

c. The property which collapses is not of athe construction, remodeling or ren -okind listed in above, regardless of3.vation. However, if the abrupt fallingwhether that kind of property is consi -ddown or caving in of the building oc-ered to be personal property or real pro -pcurs after construction, remodeling orerty.renovation is complete and is caused

in part by a cause of loss listed in The coverage stated in this Paragraph 4.D.2.a., D.2.b. (1) D.2.b.(2)and does not apply to personal property if marringabove, we will pay for the loss or and/or scratching is the only damage to thatdamage even if use of defective personal property caused by the collapse.material or methods, in construction,

Collapse of personal property does not meanremodeling, or renovation, contri -bcracking, bulging, sagging, bending, leaning,utes to the abrupt falling down orsettling, shrinkage or expansion.caving in.

5. This Additional Coverage - Collapse does not3. With respect to the following property:increase the Limits of Insurance provided in

a. Outdoor radio or television antennas (i -n this Coverage Part.cluding microwave or satellite dishes)

E. ADDITIONAL COVERAGE EXTENSIONSand their lead-in wiring, masts or towers;1. Water Damage, Other Liquids, Powder orb. Awnings, gutters and downspouts;

Molten Material Damagec. Yard fixtures;

If loss or damage caused by or resulting fromd. Outdoor swimming pools; covered water or other liquid, powder or

molten material occurs, we will also pay thee. Fences;cost to tear out and replace any part of the

f. Piers, pilings, wharves, docks, dikes or building or structure to repair damage to thedams; system or appliance from which the water or

g. Beach or diving platforms or appurt -e other substance escapes.nances; This Coverage Extension does not increase

the Limit of Insurance.h. Retaining walls; and

2. Glassi. Walks, roadways and other paved su -rfaces; In the event of loss or damage to covered

glass under this Coverage Part:if the collapse is caused by a cause of losslisted in andD. 2.a.(2), D.2.a.(3), D.2.b.(1) a. We will pay for expenses incurred to putthrough above, we will pay for lossD.2.b.(3) up temporary plates or board up ope -nor damage to that property only if: ings if repair or replacement of damaged

glass is delayed; anda. Such loss or damage is a direct result ofan abrupt falling down or caving in of acovered building or any portion of a co -v

CP T1 08 01 03 Page 9 of 10

ture shall constitute the interior ofb. We will pay for expenses incurred to r -ethat building or structure.move or replace obstructions when r -e

pairing or replacing glass that is part of a c. Water damage means accidental di -sbuilding. This does not include removing charge or leakage of water or steam asor replacing window displays. the direct result of the breaking apart or

This Coverage Extension does not increase cracking of any part of a system or appli-the Limit of Insurance. ance (other than a sump system inclu -d

ing its related equipment and parts) thatF. DEFINITIONSis located on the described premises and

1. "Pollutants" means any solid, liquid, gaseous contains water or steam.or thermal irritant or contaminant, including

When the Causes of Loss Earthquake e -nsmoke, vapor, soot, fumes, acids, alkalis,dorsement, Causes of Loss Earthquakechemicals, waste and any unhealthful or haz-Sprinkler Leakage endorsement, or Causesardous building material. (Including but notof Loss Broad Form Flood endorsement islimited to asbestos and lead products or m -aincluded in this policy, "specified cause ofterials containing lead.) Waste includes mat -eloss" also includes such cause of loss, butrials to be recycled, reconditioned or r -eonly to the extent such cause of loss is i -nclaimed.sured against u der this Coverage Part.n

2. "Specified Cause of Loss" means the follo -w3. "Vacant" means:ing: Fire; lightning; explosion; windstorm or

a. When this policy is issued to a tenant,hail; smoke; aircraft or vehicles; riot or civiland with respect to that tenant's interestcommotion; vandalism; leakage from fire ex-in Covered Property, building means thetinguishing equipment; sinkhole collapse (asunit or suite rented or leased to the te -ndefined below); volcanic action; falling o -bant. Such building is vacant when it doesjects (as limited below); weight of snow, icenot contain enough business personalor sleet; water damage (as defined below), allproperty to conduct customary oper -aonly as otherwise insured against in this Co -vtions.erage Part.

b. When this policy is issued to the owner ora. Sinkhole collapse means the suddengeneral lessee of a building, buildingsinking or collapse of land into unde -rmeans the entire building. Such buildingground empty spaces created by the ac-is vacant unless at least 31% of its totaltion of water on limestone or dolomite.square footage is:This cause of loss does not include:

(1) Rented to a lessee or sub-lessee and(1) The cost of filling sinkholes; orused by the lessee or sub-lessee to(2) Sinking or collapse of land into man-conduct its customary operations;made underground cavities.and/or

b. Falling objects does not include loss or(2) Used by the building owner to co -ndamage to:

duct customary operations.(1) Personal property in the open; or

c. Buildings under construction or renov -a(2) The "interior of a building or struc- tion are not considered vacant.

ture", or property inside a building or4. "Interior of any building or structure" meansstructure, unless the roof or an out-

all portions of a building or structure that areside wall of the building or structurewithin the exterior facing surface material ofis first damaged by a falling object.the building or structure.Any portion of a building or structure

that is within the exterior-facing su -rface material of a building or struc-

Page 10 of 10 CP T1 08 01 03

10-22-12X-660-823X853A-TCT-13COMMERCIAL PROPERTY

POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

FUNGUS, WET ROT OR DRY ROT AND OTHERCAUSES OF LOSS CHANGES

This endorsement modifies insurance provided under the following:

COMMERCIAL PROPERTY COVERAGE PART

A. SCHEDULE

Limited "Fungus", Wet Rot or Dry Rot Coverage:

Direct Damage Increased Limit of Insurance $

Business Income/Extra Expense Increased Number of Days

B. THE CAUSES OF LOSS BASIC FORM, Additional Coverage - Limited "Fungus",CAUSES OF LOSS BROAD FORM AND Wet Rot or Dry RotCAUSES OF LOSS SPECIAL FORM are re- a. b. c.The coverage described in and be-vised as follows: low only applies when the "fungus", wet

rot or dry rot is the result of:1. The following exclusion is added to SectionB.1.: (1) A Covered Cause of Loss, other than

fire or lightning, that occurs during"Fungus", Wet Rot or Dry Rotthe policy period when the CAUSESa. We will not pay for loss or damage, or OF LOSS BASIC FORM or

any increase in the amount of loss or CAUSES OF LOSS BROAD FORMdamage, caused directly or indirectly by applies; oror resulting from the presence, growth,

(2) A "specified cause of loss", otherproliferation, spread or any activity ofthan fire or lightning, that occurs dur-"fungus", wet rot or dry rot.ing the policy period when theBut if "fungus", wet rot or dry rot results inCAUSES OF LOSS SPECIALa:FORM applies;

(1) Covered Cause of Loss under the and only if all reasonable means haveCAUSES OF LOSS BASIC FORM been used to save and preserve theor CAUSES OF LOSS BROAD property from further damage at the timeFORM; or of and after that occurrence.

(2) "Specified cause of loss" under the b. Limited "Fungus", Wet Rot or Dry RotCAUSES OF LOSS SPECIAL Coverage Direct DamageFORM;

(1) We will pay for direct physical loss orwe will pay for the loss or damagedamage to Covered Property causedcaused by that "specified cause of loss".by "fungus", wet rot or dry rot, includ-

b. This exclusion does not apply: ing:(1) When "fungus", wet rot or dry rot re- (a) The cost of removal of the "fun-

sults from fire or lightning; or gus", wet rot or dry rot;(2) To the extent that coverage is pro- (b) The cost to tear out and replace

vided in the Additional Coverage - any part of the building or otherLimited "Fungus", Wet Rot or Dry Rot property as needed to gain ac-in Section of this endorsementB.2. cess to the "fungus", wet rot orwith respect to loss or damage by a dry rot; andcause of loss other than fire or light- (c) The cost of testing performed af-ning. ter removal, repair, replacement

2. The following Additional Coverage is added: or restoration of the damaged

CP T3 68 09 06 Page 1 of 3

COMMERCIAL PROPERTY

property is completed, provided "fungus", wet rot or dry rot causes anthere is a reason to believe that increase in the loss. Any such in-"fungus", wet rot or dry rot are crease in the loss will be subject topresent. the terms of this Limited "Fungus",

Wet Rot or Dry Rot Coverage Di-(2) b.(1)The coverage described inrect Damage.above is limited to $15,000 unless an

c. Limited "Fungus", Wet Rot or Dry RotIncreased Limit of Insurance is indi-cated in the Schedule of this en- Coverage Business Income and Extradorsement for Limited "Fungus", Wet ExpenseRot and Dry Rot Coverage Direct The following Limited "Fungus", Wet RotDamage. Regardless of the number or Dry Rot Coverage provisions for Busi-of claims, this limit is the most we will ness Income and Extra Expense applypay for the total of all loss or damage only if Business Income and/or Extra Ex-arising out of all occurrences of: pense coverage applies to the described

premises and only if the "suspension" of(a) Covered Causes of Loss (other"operations" satisfies all of the terms ofthan fire or lightning) under thethe applicable Business Income and/orCAUSES OF LOSS BASICExtra Expense coverage:FORM or CAUSES OF LOSS

BROAD FORM; or (1) If the loss which results in the "fun-gus", wet rot or dry rot does not in it-(b) "Specified causes of loss" (otherself necessitate a "suspension" ofthan fire or lightning) under the"operations", but such "suspension"CAUSES OF LOSS SPECIALof "operations" is necessary due toFORM;loss or damage to property at the de-which take place in a 12 month pe-scribed premises caused by "fungus",riod (starting with the beginning ofwet rot or dry rot, then our paymentthe present annual policy period).for Business Income and/or ExtraWith respect to a particular occur-Expense is limited to the amount ofrence of loss which results in "fun-loss and/or expense sustained in agus", wet rot or dry rot, we will notperiod of not more than 30 days. Thepay more than a total of this annualdays need not be consecutive.limit even if the "fungus", wet rot or

(2) If a covered "suspension" of "opera-dry rot continues to be present or ac-tive, or recurs, in a later policy pe- tions" is caused by loss or damage atriod. the described premises by other than

"fungus", wet rot or dry rot, but reme-(3) The coverage provided under thisdiation of "fungus", wet rot or dry rotLimited "Fungus", Wet Rot or Dry Rotprolongs the "period of restoration",Coverage Direct Damage does notwe will pay for loss and/or expenseincrease the applicable Limit of In-sustained during the delay, regard-surance on any Covered Property. Ifless of when such a delay occurs dur-a particular occurrence results in lossing the "period of restoration", butor damage by "fungus", wet rot or drysuch coverage is limited to 30 days.rot, and other loss or damage, we willThe days need not be consecutive.not pay more for the total of all loss

When an Increased Number of Days isor damage than the applicable Limitindicated in the Schedule of this en-of Insurance on the Covered Prop-dorsement for Limited "Fungus", Wet Roterty.or Dry Rot Coverage Business Income(4) If there is covered loss or damage toand Extra Expense, the "30 days" inCovered Property that is not causedparagraphs and above is de-c.(1) c.(2)by "fungus", wet rot or dry rot, lossleted and replaced by the number of dayspayment will not be limited by theindicated in the Schedule.terms of this Limited "Fungus", WetThe coverage provided under this Lim-Rot or Dry Rot Coverage Directited "Fungus", Wet Rot or Dry Rot Cov-Damage, except to the extent that

Page 2 of 3 CP T3 68 09 06

COMMERCIAL PROPERTY

erage Business Income and Extra Ex- Any portion of a building or structure that is withinpense is included in, and does not in- the exterior-facing surface material of a buildingcrease the applicable Business Income or structure shall constitute the interior of thatand/or Extra Expense Limit of Insurance. building or structure.

d. D. ADDITIONAL CHANGES TO THE CAUSES OFThe terms of this Limited Coverage donot increase or reduce the coverage pro- LOSS SPECIAL FORMvided in: 1. B.2.d.(2)Under exclusion , reference to fun-(1) The CAUSES OF LOSS BASIC gus is deleted.

FORM under paragraph of9.a.(2) E. ORDINANCE OR LAW COVERAGE CHANGECovered Causes of Loss , Sprin-A.9.

Under:kler Leakage;1. Ordinance or Law Coverage endorsement CP(2) The CAUSES OF LOSS BROAD

04 05;FORM under paragraph of9.a.(2)Covered Causes of Loss , Sprin-A.9. 2. Ordinance or Law Increased "Period ofkler Leakage, or under Covered Restoration" endorsement CP 15 31; andCauses of Loss Water Damage, for 3. Any other Ordinance or Law coverage or Or-the cost to tear out and replace parts dinance or Law Increased "Period of Resto-of the building or structure to repair ration" coverage provided under this Cover-damage to the system or appliance age Part;from which water or steam escapes,

the following exclusion is added:or under the Additional CoverageCollapse; or This coverage does not apply to:

(3) The CAUSES OF LOSS SPECIAL a. Loss caused by or resulting from the en-FORM under the Water Damage, forcement of any ordinance or law whichOther Liquids, Powder or Molten Ma- requires the demolition, repair, replace-terial Damage Additional Coverage ment, reconstruction, remodeling or re-Extension or under the Additional mediation of property due to the pres-Coverage Collapse. ence, growth, proliferation, spread or any

activity of "fungus", wet rot or dry rot; or3. The following Definition is added:

b. Costs associated with the enforcement of"Fungus" means any type or form of fungus,any ordinance or law which requires anyincluding but not limited to mold or mildew,insured or others to test for, monitor,and any mycotoxins, spores, scents or by-clean up, remove, contain, treat, detoxifyproducts produced or released by fungi.or neutralize, or in any way respond to, orC. ADDITIONAL CHANGE TO THE CAUSES OFassess the effects of "fungus", wet rot orLOSS BROAD FORMdry rot.

The following is added under paragraph of theb.Falling Objects Covered Causes of Loss in Sec-tion :A.

CP T3 68 09 06 Page 3 of 3

COMMERC OPERIAL PR TY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

BUSINESS INCOME CHANGES PERSONAL PROPERTYIN THE OPEN OR IN A VEHICLE

This endorsement i ies insurance pro ided under t folmod f v he lowing:

BUSINESS OME EXPENSE) C RAGE ORMINC (AND EXTRA OVE FBUSINESS OME W TH EXTRA EXPENSE OVERA FINC ( I OUT ) C GE ORMEXTRA EXPENSE C GE ORMOVERA F

The fo lowing changes apply to the respecti e Co r- of or da to property in the open or prop-l v ve mageage For f ttached to is poli erty in a vehi , the described premises in-ms, i a th cy: cle

cludes the area within 1,000 feet o the de-f1. A.1.c.Paragraph of the Business Income (andscribed premises.Ex E Co m and the Businesstra xpense) verage For

2. A. COVERAGEThe f paragraph of Sect ofirst ionInco ( i E tra E Coverage Forme W thout x xpense) mis deleted and rep fo the Ex E Coverage For deleted andlaced by the llowing: tra xpense m is

replaced with the olf lowing:(c) W wi l pay for the actua loss of Business In-e l lcome you sustain due to the necessary "sus- W wil pay the ac reasonable and necessarye l tualpension" of your "operat " during the "pe- Ex E you sustain due to d physicalions tra xpense irectriod o oration". "suspension" must be loss of or damage to property at prem whichf rest The isescaused by direct physical loss of or damage are described in the Declarations and for whichto property at premises which are described an Extra E Li t o Insurance is shown inxpense mi fin the Dec ions and for which a Business the Declarat The loss or damage must belarat ions.Inco Li i o Insurance is shown in the caused by or result f m a Co Cause ofme m t f ro veredDeclarat The loss or damage must be Loss. W th respect to loss of or da to prop-ions. i magecaused by or result fro a Co ered Cause of erty in the open or property in a v cle the de-m v ehi ,Loss. i loss scribed premises includes the area within 1,000W th respect to

fee f escribed pre ises.t o the d m

CP 07T3 97 10 Page 1 o 12007 The Travelers Companies, Inc. f

COMMERC OPERIAL PR TY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

PROPERTY EXTRA PLUS

This endorsement i ies insurance pro ided under t folmod f v he lowing:

BUILDING ERSONAL PERTY VERA FAND P PRO CO GE ORMBUSINESS OME (AND EXTRA C RAGE ORMINC EXPENSE) OVE FBUSINESS C ( I OUT ) C GE ORMIN OME W TH EXTRA EXPENSE OVERA FCAUSES OF S S FLOS PECIAL ORM

A. The BUILDIN AND PER PROPG SONAL ERTY stamp wil not physical da thel ly mageCOVERA FOR is re ised as fo lows: merchandise; orGE M v l

1. (2)The fol co contained in Sect Remo e the brands or labels, i doinglowing verages ion v fA.4. Additi l Coveragesona are rev asised so will not physica y da thell magefo lows: merchandise. You must relabel thel

merchandise or its conta toinersa. Debris Removal Additi nal Amouo ntcomp th thely wi law.Increased Limit

W wil pay the reasonable costs you in-e lThe addit a fo debris re vaional mount r mo lcur to do so. But the total we pay forexpense in the Debr v l Add tis Remo a i ionalthese costs and the lue o the dava f magedCo for each o your prem is in-verage f isesproperty will not e the applxceed icablecreased to $50,000.Li it o Insurance on such property.m f

b. Fire Department Service Charge In-b. Lessor's Leaseh dol Interestcreased Limit

(1) W wil pay fo the loss of Coe l r veredThe Li i o Insurance that appl to them t f iesLeasehold Interest you sustain due toFire Depart t Ser i Charge Addi-men v cethe cancel ion o lease contracts bylat ftional v increased to $25,000.Co erage istenants. The cancel ion must resultlat

c. Reward Coverage ncreased LI imit f m direct physica loss of or dam-ro lage to your Co red Property a theve tThe Li i o Insurance that appl to them t f iesprem described in the Declara-isesReward Coverage Addi ional Co erage ist vtions caused by or resulting fro amincreased to $25,000.Co Cause of Loss during theveredd. Fire Protective E ipme Discharqu nt geter f is polm o th icy.Increased LimitCo Leasehold Interest meansveredThe Li i o Insurance that appl to them t f iesthe di ff erence between the:Fire Pro i e Equip D Ad-tect v ment ischarge(a) Rent you were collect at theingdit Co erage is increased toional v

described prem prior to theises$25,000.loss; and2. The fol co are added underlowing verages

(b) "Rental Va " o the describedlue fSection . Each oA.4. Additi nal Coverageso fprem after loss or damageisesthese Additiona Co erages is addit in-l v ionalhas been repaired or rebuilt.surance unless otherwise indicated.

(2) Co Leasehold Interest does notvereda. Brands an Labelsdinclude funds or rebates of:reI branded or labeled merchandise that isf(a) Prepaid rent;Co Property is da by a Co -vered maged v

ered Cause of Loss, we may take all or (b) Securit or other deposits madeypart o the property a an agreed or ap-f t by tenants; andpraised lue. I we do, you y:va f ma

(c) Insurance, taxes or other pay-(1) Sta the word 'Sal age' on themp v ments made on your behalf by

merchandise or its containers, i thef tenants.

CP 3 63 06T 10 Page 1 o 102010 The Travelers Indemnity Company. fIncludes copyrighted material of Insurance Services Office, Inc. with its permission.

COMMERC OPERIAL PR TY

(3) (ii)The most we will pay under th Addi- A of al charges whichis mounts ltional Co erage is the least of the fo are the legal obligat ofv l- ionslowing: the tenants which would oth-

erwise be your obligations.(a) Your Co Leasehold Interestveredc. Ordi ornance Lawfor the 12 months i m lym ediate

fo lowing the "period o restora-l f (1) I a Co Cause of Loss occurs tof veredtion" and end with the nor ling ma co ildvered Bu ing property, we will payexp ion date o each canceledirat f for:lease; or

(a) Loss to the Undamaged Portion(b) $25,000 for al Co Lease-l vered of the Bui ing caused by en-ld

hold Interest o l l-f a l tenants cance for ment o any ordinance orce fing the leases arising out o anir f law that:occurrence at a described prem-

(i) Requires the demoli otion fises.parts of the same property

(4) The llowing De ini ions are added:fo f t not damaged by a Covered(a) "Period o Restoration" mf eans: Cause of Loss;

(i) (ii)The t me per that begins Regulates the construction ori iodwith the date o direc physi- repair o bu ldings, or estab-f t f ical loss or damage caused lishes zoning or land use re-by or resulting fro a Co - quire at the describedm v mentsered Cause of Loss at the premises; anddescribed premises; and (iii) Is in ce at i o loss.for the t me f

(ii) Ends on the date when the (b) Demo t Cost, meaning theli ionproperty at the described cost to de ish and clear themolprem should be repaired,ises site o undamaged parts o thef frebuil or rep with rea-t laced Bui property caused by en-ldingsonable speed and ready for for ment o the bu ing, zoningce f ildoccupancy. or land use ordinance or law.

"Period o Restoration" does notf (c) The Increased Cost of Construc-include any increased period re- tion caused by enforce oment fquired due to the enfor e oc ment f build zoning or land use ordi-ing,any ordinance or law that: nance or law, meaning the in-(i) Regulates the construction, creased cost to repair, rebui orld

use or repair, or requires the construct the property in compli-tearing down of any property; ance with the m i m require-in muor ments o such ordinance or law.f

This increased cost of construc-(ii) Requires any insured or oth-tion co erage is subject to the fov l-ers to test for mon c, itor, leanlowing pro isions:vup, remo e, conta tv in, reat,(i) This co erage appl i :v ies only fdetox fy or neutra ze, or ini li

any way respond to, or as- (A) The Bui ing property isldsess the ef ts of "pol t-fec lu insured for rep mentlaceants". cost;

The exp ion date o this polirat f icy (B) The Bui ing property isldwill not cut short the "per oiod f repaired, rebui or re-ltrestoration". constructed; and

(b) "Rental Va " means the:lue (C) The repaired, rebui orlt(i) Total anti rental in-cipated constructed Building

come fro tenant occupancy property is intended formof the pre ises described in sim lar occupancy as them ithe Declarat as furnished current Bui ing property,ions ldand equipped by you; and unless otherwise re-

Page 2 o 10f 2010 The Travelers Indemnity Company. CP 3 63 06T 10Includes copyrighted material of Insurance Services Office, Inc. with its permission.

COMMERC OPERIAL PR TY

quired by zoning or land the property is not repaired oruse ordinance or law. replaced, or i the Replace-f

ment Cost Co Optionverage(ii) W wil not pay for the In-e ldoes not apply, we will notcreased Cost of Construction:pay more than the actual

(A) Unti the Bui ing prop-l ld cash va the undamagedlue oferty is actual repairedly portion o the Bu lding a thef i tor replaced at the same ti o loss.me fprem or anotherises

(b) W wi not pay more for De i-e ll molpremises; andtion Costs than the amount you

(B) Unless the repairs or re- actual y spend to de ish andl molplace are made asment clear the site o the describedfsoon as reasonably pos- premises.sible a the loss orfter

(c) The insurance prov underideddamage, not to exceedthis Addi l Co erage for In-tiona vtwo years. We may ex-creased Cost of Construction istend this period in writingli i folm ted as lows:during the two years.(i) I the Bui ing property is re-f ld(2) The most we will pay under pro i-v

paired or replaced at thesions and ob.(1)(a), b b.(1)(c).(1)(b) fsame prem , or i youises fthis Ordinance or Law Additionalelect to rebui at anotherldCo for the tota of al loss aris-verage l lprem the most we willises,ing out o any one occurrence isfpay for the increased cost of$250,000.construction is the increased

Subject to this Ord or Lawinance cost of construction at theLi it o Insurance:m f same premises.(a) The insurance prov underided (ii) I the ord or law re-f inance

this Addi Co erage for Losstional v quires relocation to anotherto the Undamaged Port o theion f prem the most we willises,Bui ding i ited ll is l m as fo lows: pay for the increased cost of

construction is the increased(i) I the Replace Costf mentcost of construction at theCo Op app andverage tion liesnew premises.the property is repaired or re-

placed on the sa or an-me (3) W wil not pay under this Orde l inanceother prem we will notises, or Law Additional v for:Co eragepay the lesser ofmore than :

(a) Loss due to any ordinance or law(A) The amount you actually that:

spend to repair, rebuild(i) You were required to complyor reconstruct the un-

with before the loss, even ifdamaged port o theion fthe build was undamaged;ingBui orlding;and

(B) The amount i would costt(ii) You led mp .fai to co ly withto restore the undam-

(b) Costs associated with the en-aged portion o the Bui d-f ling on the same pre for ment o any ordinance orm- ce fises and to the same law that requires any insured orheight, f area, style others to test for, moni cloor tor, leanand comparable qual up, re ve conta treat detoity mo , in, , x-of the or l undam- i or neutra or in any way re-igina fy lizeaged portion o the Bui d- spond to, or assess the e fects of l f fing. "pollu ants".t

(ii) (4)I the Replace Cost The Ordinance or Law exclusion inf mentCo Op app and the applicable Causes of Loss Formverage tion lies

CP 3 63 06T 10 Page 3 o 102010 The Travelers Indemnity Company. fIncludes copyrighted material of Insurance Services Office, Inc. with its permission.

COMMERC OPERIAL PR TY

(4) The most we will pay under th Addi-isdoes not apply to this Additiona Col v-erage. tional Co erage for a Tenant Mov ll ve

Back E ut of any onexpenses arising od. Te M nsesnant ove Back Expeoccurrence at each described prem-

(1) W wil re mburse you for ee l i xpenses ises, regardless of the number ofyou pay for Co Tenant Movered ve tenants in l edvo v is $25,000.Back Expenses of tenants who tem-

3. The fol co contained in Sectlowing verages ionporarily v a port o the bui d-acate ion f lA.5. Coverage Extensions are re ised asving at the premises described in thefo lows:lDeclarations.a. Personal Effects an Pro of Otd perty h-The va must ha occurredcancy ve

ers Increased tLimiwhile the portion of the buildingrented by the tenant could not be oc- The Li i o Insurance that appl to them t f iescupied due to direct physical loss of Personal Ef cts and Property of Othersfeor damage to your Co Property Co E nsion is increased tovered verage xtecaused by or resulting fro a Co - $25,000 at each described premises. Them vered Cause of Loss during the term per employee sub-li it tha applies tom tof this pol . The e irat date o personal property (o than personal eicy xp ion f ther f-this policy wil not preclude payment fec s, " Arts", "E ic Data Proc-l t Fine lectronof the Tenant Mo Back E enses essing Equipment" or "E tronic Datave xp lecincurred by you after that date, but Processing Data and Media") owned bythe co erage appl your e reased to $5,000.v ies: mployees is inc

(a) b. Newly Acquired or Co ProOnly to Tenant Mo e Back Ev x- nstructed p-erty Increased itLimpenses that are incurred within

60 days after the date tenantabil- The Li its o Insurance applicab to them f leity o the bui ing should haf ld ve Newly Acquired or Constructed Propertybeen restored with reasonable Co E as respects build-verage xtensionspeed; and ings is increased to $1,000,000 at each

(b) Only with respect to tenants who build and as respects Your Businessing;mo e back with that 60 day pe- Personal Property, Personal Property ov in friod. Others, "Elec Data Processingtronic

Equip " and "Elec Data Proc-ment tronic(2) Co Tenant Mo e Back Evered v x-essing Data and Media", the li i is in-m tpenses means only documented,creased to $500,000 in total a each loca-treasonable and necessary expensestion.of:

c. Valuab Papers and Records Costle(a) Packing, insuring and transport-of Research Increased tLimiing business personal property;The Li i o Insurance that appl to them t f ies(b) Reestablishing electr ut i andic il tyValuable Papers and Records Cost ofcom icat serv lessmun ions ices,Research Coverage E is in-xtensionrefunds fro discont ser-m inuedcreased to $250,000.v ces;i

d. Property O -Premises Iff ncreased(c) Assembl and sett up f x-ing ing iLimittures and equipment; andThe Li its of Insurance that apply to them(d) Unpacking and reshelv stockingProperty O f Pre ises Coverage E n-f - m xteand supplies.sion are re ised as fo lows:v l

(3) I the tenants ha v l and col i-f ve a id lect(1) The Li it o Insurance that appliesm fble insurance which would pay for

while the property is at any instal a-lsuch Tenant Mo Back Eve xpenses,tion pre ises or temporary storagemwe will pay only for the amount ofprem while awaiting installa isises tionCo Tenant Mo e Back Evered v x-increased to $25,000; andpenses in excess of the amount pay-

(2) The Li it o Insurance that appliesm fable mfro such other insurance.while the property is away fro them

Page 4 o 10f 2010 The Travelers Indemnity Company. CP 3 63 06T 10Includes copyrighted material of Insurance Services Office, Inc. with its permission.

COMMERC OPERIAL PR TY

described premises at any other loca- "Elec Data Processing Datatroniction pro ided for in the Co E and Media", i any, to apply to di-v verage x- ftension is increased to $50,000. rect physica or damage by al loss

Co Cause of Loss to suchverede. Claim Data Ex Increased itpense Limproperty located within incidental

The Li i o Insurance that appl to them t f ies appurtenant buildings or struc-Clai Data E Coverage Em xpense xtension tures which are at the describedis increased to $10,000. prem but not specif l de-ises ica ly

scribed in arathe Decl tions.f. Extra Expense (I ud g Ex itincl in ped ngExpenses) Increased Limit (2) Incidenta appurtenant build orl ings

structures include, but are not li itedmThe Li i o Insurance that appl to them t f iesto, storage build garages, pumpings,Ex E (Including E ing Etra xpense xpedit x-houses, above ground tanks and out-penses) Coverage E is increasedxtensiondoor swim ing pools. But incm identalto $25,000.appurtenant build or structuresingsg. Accounts Receivable ncreased LimI itdoes not include:

The Li i o Insurance that appl to them t f ies(a) Outside signs, whether or not at-Accounts Recei le Co erage E ten-vab v x

tached to bui ings;ldsion is increased to $250,000.(b) Any property to which the Out-h. Covered Property I Transi In-n t

door Property Coverage E n-xtecreased Limitsion applies; or

The Li i o Insurance that appl to them t f ies(c) Any property ex undercludedCo Property In Transit Co eragevered v

Section Property No Co -A.2. t vEx increased to $50,000.tension isered.

i. Dupl "E ic Data Processiicate lectron ng(3) The most we will pay for loss or dam-Data and ia" Increased itMed Lim

age in any one occurrence under thisThe Li i o Insurance that appl to them t f ies Extension is $25,000.Duplicate " tronic Da ProcessingElec ta

b. Miscellane Sch l Prous oo opertyData and Media" Co E tension isverage x(1) I th policy insures a school, head-f isincreased to $50,000.

start, or daycare you may extend the4. The fo lowing co ed to Sectionl verages are addinsurance that applies to Your Busi-A.5. Coverage Extensions. Each o thesefness Personal Property to apply toCo ge Ex are additional insur-vera tensionsloss or damage by a Covered Causeance, unless otherwise indicated. The Addi-of Loss to Miscel Schoollaneoustional Cond ion, Coinsurance does not applyitProperty.to these Addit Co rage Eional ve xtensions.Miscel School Propertylaneousa. Appurtenant il ngs a StrBu di nd ucturesmeans musical instru bandments,

(1) At the described pre ises wherem uni ms and equipment theatrifor , calBui v e appllding co erag ies: property inc scenery and cos-luding

tu and athlet equ ment whilemes, ic ip(a) You may e tend the insurancexat school sponsored events within thethat appl to Bui to applyies ldingsCo Terr y, as stated in theverage itorto direct physica loss or damagelCom ia Property Conditmerc l ions.by a Covered Cause of Loss toThis co erage also applies to schoolvincidenta appurtenant buil ldingssponsored events outside the Co r-veor structures which are at the de-age Territory for a per of not moreiodscribed premises but not specifi-than 30 days.call described in the Declara-y

tions; and (2) The most we will pay for loss or dam-age in any one occurrence under this(b) You may e tend the insurancexExtension is $25,000.that appl to Your Businessies

Personal Property, PersonalProperty of O "Electthers, ronicData Processing Equipment" and

CP 3 63 06T 10 Page 5 o 102010 The Travelers Indemnity Company. fIncludes copyrighted material of Insurance Services Office, Inc. with its permission.

COMMERC OPERIAL PR TY

(3) Al c i for loss or damage to Co -l la ms v will be considered a single occur-ered Property must be brought in the rence.United States. (3) B.1.b.Ex sions (Earth Mo eclu v ment)

c. Fi B.1.g.ne Arts and ( ater and Lim tionW ) itaC.1.e (Property that is m of theissing)You may e the insurance that ap-xtendCauses of Loss Special For domplies to Your Business Personal Propertynot apply is Co Eto th verage xtension.to apply to d physica loss or damageirect l

by a Co Cause of Loss to "Fine Al other e lusions apply to this Evered l xc x-Arts": tension. In addi we wil not paytion, l

for loss under this Extension caused(1) Owned by you, your of icers, yourfby or result fro :ing mpartners, your managers or your em-(a) Accounting or ari met l errorsth icaployees; or

or omissions;(2) Owned by others in your care, cus-(b) The gi i or surrendering of thev ngtody or control;

property in any e or pur-xchangewhile at or with 1,000 feet o the de-in fchase, the transfer or surrenderscribed premises.of the property to a person or

The exc of loss to fragi articlusion le les place outside the describedunder Lim tion in the Causes ofita C.2.b. prem or the prem of aises isesLoss Special For does not apply tom banking or sa insti ion, orvings tutthis Extension. any other vo par withluntary ting

possession of or t le to the prop-itThe most we wil pay for loss or damagelerty; orin any one occurrence under this Cover-

age Extension is $50,000 at each de- (c) Loss of "money" conta in anyinedscribed premises. " " operated dev unlessmoney ice

the amount o " " depositedf moneyd. "Mo d Sec "ney an uritiesin i is recorded by a continuoust(1) You may e the insurance thatxtendrecording instru .mentapplies to Your Business Personal

(4) The fo De ini ions are addedllowing f tProperty to apply to loss of " "moneyas respects this Co xverage E tension:and "securities" owned by you while:

(a) "Messenger" means you, any of(a) At the described premises or theyour partners, any employee orprem of a bank or sa ings in-ises vv lunteer while ha ing care ando vstitution; orcustody of property away from(b) At any other locat transit,ion, or inthe described premises.in the f a " ger";custody o messen

(b) "Money" means:caused by theft, disappearance or(i) Currency, coins, and bankdestruction.

notes in current use and hav-(2) The most we will pay for loss in anying a ce afa v lue; andone occurrence under this Coverage

(ii) Tra elers checks, regv isterExtension is:checks and money orders(a) $25,000 at each described prem-held to blfor sale the pu ic.ises

(c) "Securi " means negotiableties(b) $25,000 within a bank or savingsand nonnegotiable instruments orinstitu ortion;contracts representing either

(c) $25,000 while at any other loca- money or other property and in-tion or in transit, in the custody of cludes:a " ssenger".me

(i) Tokens, ticke re andts, venueUnder this Extension, al loss causedl other stamps (whether repre-by one or more persons, or in o vv l ing sented by actual stamps ora single act or a series of rela actsted unused value in a meter) in

current use; and

Page 6 o 10f 2010 The Travelers Indemnity Company. CP 3 63 06T 10Includes copyrighted material of Insurance Services Office, Inc. with its permission.

COMMERC OPERIAL PR TY

(ii) E idences of debt issued inv breakdown or fa o equip-ilure fconnection with cred or mentit ; orcharge cards, which cards (c) Change in temperature or hum d-iare not issued by you; ity result fro mp r-ing m co lete or pa

(iii) but does not include " "money tia interrupt o elec ic power,l ion f tror Lottery tic held for either on or of the describedkets fsale. prem due to conditions be-ises,

yond your control.e. Reimbursement Master Key Costsof(2) W t respect only to the insurancei h(1) You may e the insurance thatxtend

pro ided under this Co erage E n-v v xteapplies to the Building and Personalsion, the fol changes apply tolowingProperty Co rage For to app tove m lythe E lusions in Section andxc B.direct physical loss or damage to aLi itat in Sect o them ions ion fC.master or grandmaster key by a Cov-Causes of Loss - Special mFor :ered Cause of Loss. This coverage(a) B.1.e.Ex , Uti ity Ser iclusion l v cesapplies to the actua cost o new keysl f

includ the cost o adjusting locks does not apply; anding fto accept the or i necessary, newm; , f (b) None of the Exclusions in Sectionlocks inc the cost o instal ion.luding f lat B.2. B.3or and none o the L m. f i i-

(2) B.2.hEx (deal with dis-clusion ing. tations in ion C. .Sect applyhonesty and fraudulent acts) found in (c) The fo addit exc u-llowing ional lthe Causes of Loss Special Form sions apply:does not apply to this Co Everage x-

W wil not pay for loss or damagee ltension as respects your employeescaused by or resulting mfro :and agents.(i) The disconnection o any re ig-f fr(3) C.1.e.Li itat (deal with Prop-m ions ing

eration, coo ing, heating or hu-lerty that is m and (deal-issing) C.1.f.m ity cont equip t or appa-id rol mening with unauthorized transfer ofratus fro the source om f power;property) found in the Causes of Loss

Special For do not apply to thm is (ii) The deacti t or reduct ova ion ion fCo xverage E tension. electr l power caused by theica

man ion o any switch oripulat fThe most we will re mburse you underiother de ice used to control thevthis Co E tension is $5,000 in anyverage xf o e ica power fro anlow f lectr l mone occurrence and $15,000 in tota forlelectr l ut i co or otherica il ty mpanyall one pol year.occurrences in any icypower source caused by deliber-

f. Spo ge Direct Damageila ate acts taken to shed load or to(1) You may e the insurance thatxtend ma in system gr y; orinta inte it

applies to Your Business Personal (iii) The inab i o an e ica ut lil ty f lectr l i ityProperty and Personal Property of company or other power sourceOthers to apply to direc physical losst to pro ide suf ic power due tov f ientor damage to such Co Propertyvered lack o fue go ern l orderf l, v mentathat is "perishable property" inside of or lack o generating capacit tof ybuild esulting mings caused by or r fro : meet mand.de(a) Change in temperature or hum d-i (3) The most we will pay for loss or dam-

ity result fro mechaniing m cal age in any one occurrence under thisbreakdown or fai o te a-lure f mper Co erage E is $10,000. Thisv xtensionture or humid l apparatusity contro li i is part o , and not in addi to,m t f tionor equipment; the Li i o Insurance that app tom t f lies

(b) Contam ion by a re igerant,inat fr the lost or damaged Co Prop-veredam ia or any other substance erty.monthat is declared to be hazardous g. Sewer or Drai -Up ion Back Extens nto health by a go menvern tal

(1) You may e the insurance thatxtendagency resulting fro mechanim calapplies to Co ered Propert to applyv y

CP 3 63 06T 10 Page 7 o 102010 The Travelers Indemnity Company. fIncludes copyrighted material of Insurance Services Office, Inc. with its permission.

COMMERC OPERIAL PR TY

to direct physical loss of or damage the fol property, not on the de-lowingto that Co Property caused by scribed premvered ises:or resulting f m Sewer or Drainro a. W ter Supp Ser i meaning thea ly v ces,Back-Up, meaning water or sewage fo lowing types of property supplyinglthat backs up fro a sewer or drainm water to the described pre ises:mwithin a building at the described

(1) Pump tating S ions; andpremises.(2) W ter ins.a ma(2) W t respect only to insurance pro-i h

v ded under this Coverage Ei xtension, b. Com icat Supply Ser imun ion v ces,the exc of water or sewage thatlusion mean property supplying co mu-ing mbacks up fro a sewer or drain underm nicat serv , inc tele-ions ice ludingite o exc , W ter, inm f lusion a(3) B.1.g. phone, radio, m ve or tele isionicrowa vthe Causes of Loss Special Form serv to the described premices ises,does not apply. But we will not pay such as:for loss or damage caused by or re- (1) Com icat tmun ion ransmissionsulting rof m: lines includ f opt trans-ing iber ic(a) The emanat o water or sew-ion f m ines;ission l

age fro a sump or sim lar de-m i (2) Coaxia cables; andlv ce designed to pre o er lowi vent v f

(3) Microwa rad relays, eve io xceptor seepage or leakage of subsur-satellites.face water; or

It does not include o trans-verhead(b) The emanat o water or sew-ion fm ines.ission lage fro a sewer or drain that ism

itsel direc ly or ind ly causedf t irect c. Power Supply Ser ces, meaning theviby or the result fo : fo lowing types of property supplyingl

electr ity stea or gas to the de-ic , m(i) Flood, sur water, waface ves,scribed premises:tides, tida waves, o f ofl ver low

any body of water, or their (1) Uti ity lants;l generating pspray, all whether dri byven (3) Switching stations;wind or not;

(4) Substations;(ii) Mudslide or fmud low; or

(5) Transformers; and(iii) W ter under the ground sur-a

(6) Transmission lines.face pressing on or f orlowingseeping through foundations, It does not include o trans-verheadwalls, f pa surfacesloors, ved m ines.ission lor basements (whether d. B.1.eEx Ut li Ser ices inclusion i ty v.pa or not), or doors, win-ved the Causes of Loss Special Formdows or other openings. does not apply to this Co Everage x-

(3) The most we will pay for loss or dam- tension.age in any one occurrence under this e. The most we will pay for loss or dam-Co erage E ension is $50,000. Thisv xt age in any one occurrence under thisli i is part o , and not in addi to,m t f tion Co E tension is $50,000. Thisverage xthe Li i o Insurance that app tom t f lies li i is part of not in addit to, them t , ionthe lost or damaged Co Prop-vered Li it o Insurance stated in the Dec-m ferty. larat as applicable to the de-ions

h. Utility Services Direct Damage Cov- scribed premises.erage B. The fo is added to ADDI ONAL C I-llowing TI ONDW wi pay for loss of or damage to Coe ll v- TI o the BUILDING AND PERSONALONS fered Property caused by the in ionterrupt PROPER OVERA FTY C GE ORM:in uti it ser ice to the described prem-l y v 3. Unin io Errors i iotent nal n Descript nises. The interrupt in ut li ser iceion i ty v

Your error in how you describe the address ofmust result fro d physical loss orm irecta locat in the Dec ions shall not preju-ion laratdamage by a Covered Cause of Loss to

Page 8 o 10f 2010 The Travelers Indemnity Company. CP 3 63 06T 10Includes copyrighted material of Insurance Services Office, Inc. with its permission.

COMMERC OPERIAL PR TY

(2) Costs associated with the enforce-dice co erage a f by this pol , pro-v f orded icyv ded such error is not intent Any such ment o any ordinance or law that re-i ional. ferror shall be reported and corrected when quires any insured or others to testdisco and appropriate premiu for mon c up, re v con-vered m , itor, lean mo e,charged. tain, treat deto i y or neutra ize, or in, x f l

any way respond to, or assess the ef-C. W the BUSINE INC C GEhen SS OME OVERAfec f "po tants".ts o lluFORM (AND EXTRA EXPENSE) or the BUSI-

(c) The most we wil pay for loss in any onelNESS INCO COVER FOR ( I OUTME AGE M W THEXTRA EXPENSE) is attached to th poli occurrence under this Co E n-is cy, verage xteBROADENED BUSIN INCO COVERA sion is $50,000. This is additional insur-ESS ME GEis added as fol ance.lows:

1. Extended iness 4. Loss of B ness I De dentBus Income usi ncome penPropertiesUnder the Addit Co erage Eional v xtended

Business Income, "30 consecuti e days" is W wil pay for ac loss of Business In-v e l tualre ised to "90 consecuti e ". come you sustain due to the necessary "sus-v v days

pension" of your "operat " during the "pe-ions2. Claim Data Ex Increased itpense Limriod o ". "suspension" must bef restoration The

The Li it o Insurance that applies to them f caused by direct physical loss or damage atClai Data E Co E tension ism xpense verage x the pre of a "dependent property",misesincreased to $10,000. caused by or resulting fro a Co ered Causem v

of Loss.3. Ordi or Law Increased "Peri ofnance odRestoratio "n a. This Addi l Co erage does not applytiona v

to "dependent property" for which you(a) I a Co Cause of Loss occurs tof veredha more speci i insurance either underve f cproperty at the described prem youises,this pol or another.icymay e your Business Income andxtend

Ex xpense co f the co eragetra E verages (i v b. This Addit Co erage appl to "de-ional v iesis applicab to th Co Part) to in-le is verage pendent property" located with the Co -in vclude the a f actua sarymount o l and neces erage Territory as stated in the Com r-meloss you sustain during the increased pe- cial ConditProperty ions.riod o "suspension" of "operations"f

c. "Dependent property" means propertycaused by or resulting fro the en e-m forcoperated by others you depend on to:ment f any law that:o ordinance or(1) Deli er ma ls or serv to you,v teria ices(1) Regulates the construction, repair or

or to others for your account (Con-replace f ;ment o any propertytribut Locat W th respect toing ions). i

(2) Requires the tearing down or re- Contribut Locations, ser ices doesing vplace o any parts o propertyment f f not mean water, com icat ormun ionsnot damaged by a Co ered Cause ofv power supply services;Loss; and

(2) Accept your products or services(3) Is in ce at i o loss.for the t me f (Recipient ions);Locat

(b) This Ex applies only to the in-tension (3) Manufac products for del v toture i erycreased period that would be required, your customers under contract of salewith reasonable speed, to reconstruct, (Manufac Locations); orturingrepair or replace the property to comply

(4) Attrac custo to your businesst merswith the min mu require ts of the or-i m men(Leader Locations).dinance or law. Th Ex does notis tension

5. Utility T lementServices ime Eapply to:

(1) Any loss due to any ordinance or law W wil pay for the loss of Business Incomee lthat: or Ext Expense at the described premisesra

which you incur due to the interruption in util-(i) You were required to comply withity ser ice to the described prem The in-v ises.before loss, even i the buildingfterruption f m d physicalmust result ro irect losswas undamaged; andor damage by a Co ered Cause of Loss tov

(ii) You led mp .fai to co ly with the fo lowing property located away from thel

CP 3 63 06T 10 Page 9 o 102010 The Travelers Indemnity Company. fIncludes copyrighted material of Insurance Services Office, Inc. with its permission.

COMMERC OPERIAL PR TY

6. In gress Coveragegress or Edescribed premises or located outside ofbuild ibed pre ises:ings at the descr m W wi l pay for the actua loss of Business In-e l la. W ter Supp Ser i mean the foa ly v ces, ing l- come you sustain and, if luded, reasonableinc

lowing types of property supplying water and necessary Ext E due to thera xpenseto the described pre ises: necessary "suspension" of your "operat ",m ions

when the ingress or egress to or from a de-(1) Pump tating S ions; andscribed prem is prevented as a direc re-ises t

(2) W ter ins.a ma sult of vered Cause ofloss or damage by a CoLoss. The loss or damage by a Coveredb. Com icat Suppl Ser i mean-mun ion y v ces,Cause of Loss preven ingress or egresstinging property supplying com unicam tionsmust occur wi in one m le o the describedth i fserv inc uding telephone, radio, mice, l i-prem This co will app up to 30ises. verage lycrowave or te v ser ices to the de-le ision vconsecuti days fro the date when the in-ve mscribed prem s:ises, such agress or egress is denied.(1) Com icat t l in-mun ion ransmission ines

Under Broadened Business Income Coverage,cluding iber ic ission lines;f opt transmthe most we will pay under E tended Businessx(2) Coaxia cables; andlInco Loss of Business Income Dependentme,

(3) Microwa radio re e satel-ve lays, xcept Property, and Ingress or Egress Coverage islites. $150,000 for the sum o al losses during the pol-f l

icy period The most we will pay under Uti ty Ser-. liIt does not include o erhead tv ransmissionv ces T me E ment Addit Co e isi i le ional v ragelines.$15,000 in any one occur The NAMEDrence. D.c. Power Supply Ser ices, meaning the fov l-INSURED shown in the DECLARATIONS islowing types of property supplying elec-amended as lows:foltric ty, stea or gas to the describedi mThe Named Insured will inc any subsidiaryludepremises:company ( luding subsidiaries thereof) o theinc f(1) Uti ity lants;l generating pnamed Insured and any other entity which the

(2) Switching stations; Named Insured owns, operates or controls, andany other entity which was or may hereaf beter(3) Substations;acquired or mfor ed.(4) Transfor andmers;As respects Building co erage, the Named In-v(5) Transmission lines.sured is amended to include any person or or-

It does not include o erhead tv ransmission ganization that rents a build to you i you areing flines. required by lease agreement or any other written

contract to pro ide such insurance for the interestvof ildthe bu ing owner.

Page 10 of 10 2010 The Travelers Indemnity Company. CP 3 63 06T 10Includes copyrighted material of Insurance Services Office, Inc. with its permission.

COMMERCIAL PROPERTY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

TERRORISM RISKINSURANCE ACT OF 2002 DISCLOSURE

This endorsement appl insurance pro ided un foies to the v der the llowing:

COMMERC OPER OVERA PARTIAL PR TY C GE

On Dece 26, 2007, the President o the Uni Losses in excess of each Insurer's statutorily estab-mber f tedStates signed into law amend to the Terror lished deductib subject to the "Progra Tr ",ments ism le, m iggerRisk Insurance Act of 2002 (the "Act"), which, a (as defined in the Act) In no e ent however wil themong . v , , lother things, ex the Act and expand i scope. federa go ern or any Insurer be required to paytend ts l v mentThe Act establishes a program under which the Fed- any portion of the amount o aggregate Insuredferal Go ern t may part l re mburse "Insured Losses occurring in any one year that e ceedsv men ia ly i xLosses" (as defined in the Act) caused by "acts of $100,000,000,000, prov that such Insurer hasidedterroris ". An "act o terror m" is def in Sec ion me i deductible I aggregate Insured Losses ex-m f is ined t t ts . f102(l) o the Act to mean any act that is certi ied by ceed $100,000,000,000 in any one year, your cover-f fthe Secretary of the Treasury in concurrence with age may fore bethere reduced.the Secretary o State and the A l o thef ttorney Genera f

The charge for Insured Losses under this CoverageUnited States to be an act of terroris to be a v o-m; iPart is inc in the Co erage Part pre m Theluded v miu .lent act or an act that is dangerous to human l fe,icharge that has been inc for this Co erage Partluded vproperty, or in ve resulted in dafrastructure; to ha mageis indicated below, and does not include any chargewithin the Un States, or outside the Un Statesited itedfor the portion o losses covered by the Federal Gof v-in the case of certain air carr or vessels or theiersernment t:under the Acprem of a United States Mission; and to haveises

been com it by an ind v l or indi i as partm ted i idua v duals 7% of your tota Co merc l Property Co eragel m ia vof an e for to coerce the c v l popu ion o thef t i i ian lat f Part pre m i your pr mary locat is in a Des-miu f i ionUnited Sta or to in luence the pol y or a fe thetes f ic f ct ignated Ci (as listed bety low).conduct of the Uni States Go ern by coer-ted v ment

3% of your tota Co merc l Property Co eragel m ia vcion.Part prem m i your pri ary locat is not in aiu f m ion

The federa go ment's share of co forl vern mpensation Designated City (as listed below).Insured Losses is 85% of the amount o Insuredf

Designated ies are:Cit

Albuquerque, NM El Mia i, San Diego, CAPaso, TX m FL

Atlanta GA Fort orth TX Mi W San Antonio,, W , lwaukee, I TX

Austin, Fresno, CA Minneapol San FrancTX is, MN isco, CA

Balt more, Honolulu, H Nashv le-Da i San Jose, CAi MD I il v dson, TN

Boston, MA Houston, TX New Orleans, LA Seattle W, A

Charlotte, Indianapolis, New York, NY St. Lou ONC IN is, M

Chicago, IL Jacksonv l FL Oakland, Tucson, AZi le, CA

Cle land, Kansas City, Ok Ci OK Tulsa,ve OH MO lahoma ty, OK

Colorado Springs, CO Las Vegas, NV O Virg Beach, Vmaha, NE inia A

Colu Long Beach, CA Phi PA W DCmbus, OH ladelphia, ashington,

Dallas, Los Angeles, CA Phoenix AZ W ch ta, KTX , i i S

Den CO Memph Portland,ver, is, TN OR

Detroit I Mesa, AZ Sacramen, M to, CA

CP 08T3 81 01 Page 1 of 1

COMMERCIAL PROPERTY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CALIFORNIA CHANGES REPLACEMENT COST

This endorsement modifies insurance provided under the following:

COMMERCIAL PROPERTY COVERAGE PART

A. An "open policy" is a policy under which the value surance, we will then pay the difference be-of Covered Property is not fixed at policy incep- tween the actual cash value and the re-tion, but is determined at the time of loss in ac- placement cost, provided that the repair orcordance with policy provisions on valuation. The replacement is completed:term "open policy" does not apply to Covered a. Within 12 months after our payment ofProperty that is subject to an Agreed Value the actual cash value; orclause or similar clause that establishes an

b. Within 24 months after our payment ofagreed value prior to loss, unless such clause hasthe actual cash value if the loss or dam-expired.age relates to a state of emergency as

B. Under an "open policy", when the Replacement described in Section 8558 of the Gov-Cost Optional Coverage (Replacement Cost) is ernment Code;shown as applicable in the Declarations, that

unless we extend the time period for goodCoverage is replaced by the following:cause.

Replacement CostThe foregoing provisions do not constitute a

1. Replacement Cost (without deduction for de- waiver of our right to deny the claim for anypreciation) replaces Actual Cash Value in the valid reason or to restrict payment in cases ofLoss Condition, Valuation, of the applicable suspected fraud.Coverage Form.

4. Actual cash value is determined as follows:2. This Optional Coverage does not apply to:

a. In the event of a total loss to a building ora. Personal property of others; structure, actual cash value is calculatedb. Contents of a residence; as the Limit of Insurance applicable to

that building or structure or the fair mar-c. Works of art, antiques or rare articles, in-ket value of the building or structure,cluding etchings, pictures, statuary, mar-whichever is less.bles, bronzes, porcelains and bric-a-brac;

or In the event of a partial loss to a buildingb.or structure, actual cash value is calcu-d. "Stock", unless the Including "Stock" op-lated as or whichever is less:b.1. b.2.,tion is shown in the Declarations.1. The amount it would cost to repair,Under the terms of this Replacement Cost

rebuild or replace the property less aOptional Coverage, tenants' improvementsfair and reasonable deduction forand betterments are not considered to be thephysical depreciation of the compo-personal property of others.nents of the building or structure that

3. We will not pay on a replacement cost basis are normally subject to repair or re-for any loss or damage until the lost or dam- placement during its useful life.aged property is actually repaired or re- Physical depreciation is based uponplaced. Prior to such repair or replacement, the condition of the property at theand in accordance with the terms of the ap- time of the loss;plicable Loss Payment conditions in this pol-

2. The Limit of Insurance applicable toicy, we will pay the actual cash value of thethe property.lost or damaged property as described in

Paragraph below. If the actual cash value In the event of a partial or total loss to4. c.does not exhaust the applicable Limit of In- Covered Property other than a building or

CP 04 49 12 05 ISO Properties, Inc., 2005 Page 1 of 2

COMMERCIAL PROPERTY

structure, actual cash value is calculated If a building is rebuilt at a new premises, theas or whichever is less: cost described in above is limited to thec.1. c.2., 6.b.

cost which would have been incurred if the1. The amount it would cost to repair orbuilding had been rebuilt at the original prem-replace the property less a fair andises.reasonable deduction for physical

depreciation, based on the condition The cost of repair or replacement does not7.of the property at the time of loss; include the increased cost attributable to en-

forcement of any ordinance or law regulating2. The Limit of Insurance applicable tothe construction, use or repair of any prop-the property.erty.

5. With respect to tenants' improvements andC. Extension Of Replacement Cost To Personalbetterments, the following also apply:

Property Of Othersa. If the property is not repaired or replaced,

1. Under an "open policy", when the Replace-the value of tenants' improvements andment Cost Optional Coverage is shown asbetterments will be determined as a pro-applicable in the Declarations, then this Ex-portion of your original cost, as set forthtension may also be shown as applicable. Ifin the Valuation Condition of the applica-the Declarations show this Extension as ap-ble Coverage Form.plicable, then Paragraph of the Re-B.2.a.

b. We will not pay for loss or damage to placement Cost Optional Coverage is deletedtenants' improvements and betterments if and all other provisions of the Replacementothers pay for repair or replacement. Cost Optional Coverage apply to replace-

ment cost on personal property of others.6. We will not pay more for loss or damage on areplacement cost basis than the least of a., b. 2. With respect to replacement cost on the per-or subject to below:c., 7. sonal property of others, the following limita-

tion applies:a. The Limit of Insurance applicable to thelost or damaged property; If an item(s) of personal property of others is

subject to a written contract which governsb. The cost to replace the lost or damagedyour liability for loss or damage to thatproperty with other property:item(s), then valuation of that item(s) will be1. Of comparable material and quality;based on the amount for which you are liableandunder such contract, but not to exceed the

2. Used for the same purpose; or lesser of the replacement cost of the propertyor the applicable Limit of Insurance.c. The amount actually spent that is neces-

sary to repair or replace the lost or dam-aged property.

Page 2 of 2 ISO Properties, Inc., 2005 CP 04 49 12 05

GENERAL LIABILITY

GENERAL LIABILITY

X-660-823X853A-TCT-1310-22-12

THE TRAVELERSINDEMNITY COMPANYOF CONNECTICUT

01-01-13 01-01-14

3,000,000

3,000,000

1,000,000

1,000,000

100,000

5,000

NONE

CORPORATION

CHARITY FIRST AJG CO TT446 NAT’L PRGM’S-ORL 019

COMMERCIAL GENERAL LIABILITY POLICY NO.:COVERAGE PART DECLARATIONS ISSUE DATE:

INSURING COMPANY:

DECLARATIONS PERIOD: From to 12:01 A.M. Standard Time at your mailingaddress shown in the Common Policy Declarations.

The Commercial General Liability Coverage Part consists of these Declarations and the Coverage Form shownbelow.

1. COVERAGE AND LIMITS OF INSURANCE:

COMMERCIAL GENERAL LIABILITY COVERAGE FORM LIMITS OF INSURANCE

General Aggregate Limit $(Other than Products-Completed Operations)

Products-Completed Operations Aggregate Limit $

Personal & Advertising Injury Limit $

Each Occurrence Limit $

Damage To Premises Rented To You Limit (any one premises) $

Medical Expense Limit (any one person) $

2. AUDIT PERIOD:

3. FORM OF BUSINESS:

4. NUMBERS OF FORMS, SCHEDULES AND ENDORSEMENTS FORMING PART OF THIS COVERAGEPART ARE ATTACHED AS A SEPARATE LISTING.

COMMERCIAL GENERAL LIABILITY COVERAGEIS SUBJECT TO A GENERAL AGGREGATE LIMIT

CG T0 01 11 03 Page 1 of 1

PRODUCER: OFFICE:

X-660-823X853A-TCT-13

01-01-13 01-01-14

MINIMUM PREMIUMS

PREM/OPS $220LOB $250

1/ 1 BUILDINGS OR PREMISES - OFFICE - NOT-FOR-PROFIT ONLYPRODUCTS-COMPLETEDOPERATIONSARE SUBJECT TO THE GENERALAGGREGATELIMIT.

004 61227 PREM/OPS A 200 212.194 42

HIRED AND NONOWNEDAUTO EXCESS LIABILITY

001 39097 PREM/OPS 165

900 ADD FOR MINIMUM

PREM/OPS 13CGL COV PART 30

COVERAGEPART TOTAL 250

1 (END)

DECLARATIONS PREMIUM SCHEDULE POLICY NUMBER:

This Schedule applies to the Declarations for the period of to

It shows all of your known rating classes as of the effective date. Any exceptions will be so noted. This includesall locations you own, rent or occupy.

LOC/ CLASS PREMIUMOPN ADVANCEBLDG DESCRIPT/ BASE/

SUBLINE RATESNO. PREMIUMNO. CODE NO. EXPOSURE

*This class is subject to the prem/ops transition program.

If an "X" is entered in this box, these Declarations are completed on the Premium Schedule Extension CG T0 12.

CG T0 07 09 87 PAGE

KEY TO DECLARATIONS PREMIUM SCHEDULE

ABBREVIATIONS:

CLASS DESCRIPT means CLASS DESCRIPTION

LOC/BLDG NO. means LOCATION/BUILDING NUMBER

OPN NO. means OPERATION NUMBER

PREM/OPS means PREMISES/OPERATIONS

PROD/C-OPS means PRODUCTS/COMPLETED OPERATIONS

PREMIUM BASE:

Key Letter Premium Base How Rates Apply

a Area per 1,000 square feet

c Total Cost per $1,000 of total cost

m Admissions per 1,000 admissions

o Total Operating Expense per $1,000 of total operating expenditures

p Payroll per $1,000 of payroll

s Gross Sales per $1,000 of gross sales

t (see note* below) (see note* below)

u Units per unit

* Premium base t applies for a number o rarely used premium bases.fThe specific base and how rates apply are shown with the Class D scriptioneon the DECLARATIONS-PREMIUM SCHEDULE.

CG T0 08 11 03 Copyright, The Travelers Indemnity Company, 2003 Page 1 of 1

TABLE F C TEN SO ON T

COMMERCIAL GENERAL LIABILITYCOVERAGE FORM

CG 00 01 10 01

SECTI I C GESON OVERABeginning on Page

Co A -verageBod Insuring Agreement ..............................................................1i Injuryly and PropertyDa iabi itymage L l

Ex ...........................................................................2clusions

Co B -veragePerson Insuring Agreement ..............................................................5al and Ad er isingv tInjury i tyLiab li

Ex ...........................................................................5clusions

Co -verage CMedica Insuring Agreement ..............................................................7l Pay tsmen

Ex ...........................................................................7clusions

Supple m ..................................................................................................... 7mentary Pay ents

SECTI II W O I INSURED ..........................................................................................8ON H S AN

SECTI II LIM S INSURANCE ...................................................................................10ON I IT OF

SECTI IV C ERCIAL LIAB TY C ION .........................................10ON OMM GENERAL ILI ONDIT S

Bankruptcy ........................................................................................................................10Duties in v o Occurrence lai or t ................................................................10the E ent f , C m SuiLegal Act inst Us .....................................................................................................11ion AgaOther lnsurance .................................................................................................................11Prem m t ...................................................................................................................12iu AudiRepresentations ................................................................................................................12Separation o Insured ......................................................................................................12f sTransfer o R f Reco ery Others To Us .........................................................12f ights o v AgainstW W Do Not Renew ...................................................................................................12hen e

SECTI DEF TI ....................................................................................................12ON V INI ONS

CG T0 4 11 033

COMMERC GENERAL L ITYIAL IABIL

COMMERCIAL GENERAL LIABILITY COVERAGE FORM

Various prov in this policy restric co The "bodi injury or "property damage"isions t verage. ly "(1)Read the entire policy care lly to deter r is caused by an "occurrence" that takesfu mine ights,duties and what is and is not co ered. place "co erage terr ";v in the v itory

Throughout this policy the words "you" and "your" The "bodi injury or "property damage"(2) ly "occurs during the pol period;icy andrefer the Na wn in the Declaratto med Insured sho ions,

and any other person or organization qual fy as ai ing (3) Prior to the poli period, no insuredcyNamed Insured under this pol . The words "we",icy listed under Paragraph of Section1. II"us" and "our" refer to the co pro iding thmpany v is W Is An Insured and no "employee"hoinsurance. authorized by you to gi or recei e no-ve vThe word "insured" means any person or organization tice o an "occurrence" or c i knewf la m,quali ying as such under Sect W Is An that the "bodil in or "property daf ion ho y jury" m-IIInsured. age" had occurred, in whole or in part. If

such a listed insured or authorized "em-Other words and phrases that appear in quotationployee" knew, prior to the pol period,icymarks ha specia meaning. Re r to Secve l fe tion Vthat the "bodil in or "property day jury" m-Def tini ions.age" occurred, then any continuation,

SEC ON CTI I OVERAGES change or resumpt o such "bodily in-ion fCOVERAGE A BODILY INJURY AND PROPERTY jury" or "property da during or aftermage"DAMAGE LIABILI YT the policy per will be deemed to haiod ve

been known prior to ic .the pol y period1. Insur g Agreementinc. "Bodi injury" or "property da whichly mage"a. W wil pay those sums that the insured be-e l

occurs during the pol per and was not,icy iodcomes legal obl to pay as damagesly igatedprior to the po y period, known to have oc-licbecause of "bod in or "property daily jury" m-curred by any insured listed under Paragraphage" to which this insurance applies. We will1. IIof Sec ion W Is An Insured or anyt hoha the right and duty to defend the insuredve"emp authorized by you to gi or re-loyee" veagainst any "suit" seeking those damages.cei e not o an "occurrence" or c i in-v ice f la m,Howe we will ha no dut to de thever, ve y fendcludes any continuat change or resump-ion,insured against any "suit" seeking damagestion o that "bod y in or "propertyf il jury"for "bod in or "property damage" toily jury"damage" a ter f icyf the end o the pol period.which this insurance does not apply. eW may,

at our discretion, in estigate any "occurrence" "Bodi in or "property da wil bev ly jury" mage" ld.and settle any clai or "suit that may result. deemed to ha been known to ha oc-m " ve veBut: curred at the earliest ti when any insuredme

listed under Paragraph o Sect Who1. If ion I(1) The amount we will pay for da ismagesIs An Insured or any "e authorimployee" zedli i as described in Section L mm ted i itsIIIby you to g v or rece v not o an "occur-i e i e ice fO Insurance; andfrence" or c mlai :

(2) Our r and dut to de ends whenight y fend(1) Reports all, or any par o the "bodi in-t, f lywe have used up the applicable li i om t f

jury" or "property da to us or anymage"insurance in the payment o judg orf mentsother insurer;settle under Co or orments verages A B

med e der Co .ical xpenses un verage C (2) Recei a writ or v demand orves ten erbalclai for da because of the "bodi ym mages lNo other obligation or l l y to pay sums oriabi itinjury "property da or" or mage";perfor ac or serv is covered unlessm ts ices

exp i y pro ided for under Supple Becomes aware by any other means thatlic tl v mentary (3)Pay Co and .ments verages A B "bodily in or "property da hasjury" mage"

occurred or has begun to occur.b. This insurance applies to "bodily in andjury""property da image" only f:

CG 00 01 10 01 IS Propert 2000 Page 1 oO ies Inc., f 16

COMMERC GENERAL L ITYIAL IABIL

e. (3)Damages because of "bodi in inc Any statute, ordinance or regulat re t-ly jury" lude ion ladamages clai by any person or organiza- ing to the sale, gi , distribut or use ofmed ft ion

alcohol v rages.ic be etion for care, loss of ser ices or death result-ving at i f m ily injuryany t me ro the "bod ". This e lusion applies only i you are in thexc f

2. Exclusions business of manu ing, distr ing, sell-factur ibuting, ser ing or furn lic vv ishing alcoho be erages.This insurance does not apply to:

d. Workers' Compensati And lar Laon Simi wsa. Expected nten I uryOr I ded njAny obligat f the insured under a workers'ion o"Bodi in or "property damage" expecly jury" tedcompensation, disabi ty benef ts or unem-li ior intended fro the standpoint o the in-m fploy co law or any si larment mpensation misured. This exclusion does not apply to "bod-law.il " result ro the use o reasonabley injury ing f m f

for tect s or property.ce to pro person e. Empl bioyer's Lia lity

b. Contractua Liab ityl il "Bodi injur to:ly y"

"Bodi in or "property da for which An "emp o the insured arising outly jury" mage" loyee" f(1)of the course oand in f:the insured is obliga to pay da byted mages

reason of the assumpt on o l l y in a con-i f iabi it (a) E ment themploy by insured; ortract or agree Th exc does notment. is lusion

(b) Per m dut related to the con-for ing iesapply to iabi ity for mages:l l daduct o the s business; orf insured'

(1) That the insured would ha in the ab-ve(2) The spouse, child, parent brother or sis-,sence of the or agree orcontract ment;

ter o that "e loyee" as a consequencef mp(2) Assumed in a contract or agree thatment of abo e.Paragraph v(1)

is an "insured contract", pro ided thevThis e lusion applies:xc"bodily injury" or "propert da oc-y mage"

curs subsequent to the execution of the W ther the insured may be liab as an(1) he leemp in any ityloyer or other capac ; andcontract or agree So y for the pur-ment. lel

poses of l l y assumed in an "insurediabi it (2) To any obl to share damages withigationcontract", reasonable attorney fees and or repay someone else who must paynecessary lit ion e incurred byigat xpenses damages because of the y.injuror for a party other than an insured are

This e lusion does not apply to liab i as-xc il tydeemed to be damages because of "bod-sumed by the insured under an "insured con-il injur "property da pro ided:y y" or mage", vtract".

(a) Liabi ty to such party for, or for thelif. Pol iolut ncost of that party defense has also, 's

been assumed in the same " "Bodi in or "propert da aris-insured ly jury" y mage"(1)contract"; and ing out o the actual al or threat-f , leged

ened discharge, dispersal, seepage, mi-(b) Such attorney fees and li ion etigat x-gration, "pol tants":release or escape of lupenses are for defense of that party

against a ci i or a i e d At or fro any prem site or loca-v l lternat v ispute m ises,(a)resolution proceeding in which da tion which is or was at any timem-ages to which this insurance applies owned or occupied by, or rented orare alleged. loaned to, any insured. However, this

subparagraph does not apply to:c. Li or L iliqu iab ty(i) "Bodi injury i sustained withinly " f"Bodi in or "property da for whichly jury" mage"

a build and caused by smoke,ingany insured may l by reason ofbe held iable :fu v or soot fro equip-mes, apor m

(1) Causing or contributing to the into catxi ion ment bui ing;used to heat that ldof any person;

(ii) "Bodi in or "property dam-ly jury"(2) The f al ic befurnishing o cohol verages to a age" for which you may be held

person under the legal drink age oring liab i you are a contrac andle, f torunder the in luence o alcoho orf f l; the owner or lessee of such

Page 2 o IS Propert 2000f 16 O ies Inc., CG 00 01 10 01

COMMERC GENERAL L ITYIAL IABIL

prem site or loca has "bodily injury" or "propert daises, tion y m-been added to your policy as an age" arises out of the intentionaladditiona insured with respect to discharge, dispersal or release oflyour ongoing operations per- the fue lubri or other op-ls, cantsfor ed for that addit insured erating f or i such fue lu-m ional luids, f ls,at that pre ises, site or loca bricants or other operating f idsm tion luand such premises, site or loca- are brought on or to the prem-tion is not and never was owned ises, site or locat with the in-ionor occupied by, or rented or tent that they be discharged, dis-loaned to, any insured, other than persed or released as part of thethat addi l nsured; ortiona i operations being perfor bymed

such insured, contractor or sub-(iii) "Bodi in or "property dam-ly jury"contractor;age" arising out of heat, smoke or

fu f m a fmes ro "hostile ire"; (ii) "Bodi in or "property dam-ly jury"age" sustained within a building(b) At or fro any prem site or loca-m ises,and caused by the release oftion which is or was at any ti usedmegases, fu or vapors fro ma-mes mby or for any insured or others for theteria that bui dls brought into l ing inhandling, storage, disposal, process-connection with operations beinging or ment f waste;treat operfor by you or on your be-med

(c) W ich are or were at any time trans-h hal by a cont or subcon-f ractorported, handled, stored, treated, dis- tractor; orposed of, or processed as waste by

(iii) "Bodi in or "property dam-ly jury"or for:age" arising out of heat, smoke or

(i) Any insured; or fu f m a fmes ro "hostile ire".(ii) Any person or organization for (e) At or fro any prem site or loca-m ises,

whom you may be legally re- tion on which any insured or any con-sponsible; or tractors or subcontractors working di-

(d) At or fro any prem site or loca- rectly or indirec on any insured'sm ises, tlytion on which any insured or any con- behalf are per m operat ifor ing ions ftractors or subcontractors working di- the operations are to test for, tor,monirectly or indirec on any insured's clean up, re v conta treat, de-tly mo e, in,behalf are per m operat i tox f or neutra ze, or in any way re-for ing ions f i y lithe "pol are brought on or to spond to, or assess the ef ts of,lutants" fec

"pollu ants".tthe prem site or locat in con-ises, ionnection with such operations by such (2) Any loss, cost or e arising out oxpense finsured, contractor or subcontractor. any:Howe th subparagraph does notver, is

(a) Request, demand, order or statutoryapply to:or regulatory require that any in-ment

(i) "Bodi in or "property dam-ly jury" sured or others test for, monitor,age" arising out of the escape of clean up, re v conta treat, de-mo e, in,fue lubricants or other operat-ls, tox f or neutra ze, or in any way re-i y liing flu which are needed toids spond to, or assess the ef ts of,fecperfor the norma electr l, hy-m l ica "pollu ants"; ortdraulic or m l funcechanica tions

(b) Clai or "suit by or on behal o am " f fnecessary for the operat oion fgo menta authorit for damagesvern l y" le equip or its parts, imobi ment" fbecause of testing for monitor, ing,such fuels, lubricants or othercleaning up, re v containmo ing, ing,operating flu escape from aidstreating, deto i ing or neutra iz orx fy l ing,v icle part designed to hold,ehin any way responding to, or assess-store or recei the Th ex-ve m. ising the e f f lf ects o , "po lutants".ception does not apply i thef

CG 00 01 10 01 IS Propert 2000 Page 3 oO ies Inc., f 16

COMMERC GENERAL L ITYIAL IABIL

Howe th paragraph does not apply The use of " obi equip " in, orver, is m le ment(2)to l l f da because of "prop- while in pract for or while be pre-iabi ity or mages ice , ingerty da that the insured would have pared for any prearranged rac speed,mage" , ing,

demo tion ing act v tli , or stunt i i y.in the absence of such request, demand,order or statutory or regulator require-y i. Warment or such clai or "suit" by or on be-, m

"Bodi in or "property da due toly jury" mage"hal f v menta ityf o a go ern l author .war, whether or not declared, or any act or

g. Aircraft, Auto Or Watercraft condit inc to war. Wa inc ci iion ident r ludes v l"Bodi injury or "propert da ar war, insurrection, rebe ion or re olu Thly " y mage" ising ll v tion. isout o intenance, use or en- exc appl only to liab i assumedf the ownership, ma lusion ies il ty

under a contract or t.agreementrustment to others of any aircra , "auto" orftwatercraft owned or operated by or rented or j. Damage ProTo pertyloaned to any insured. Use includes operation

"Property da to:mage"and "loading or ding"unloa .(1) Property you own, rent, or occupy, includ-This e lusion applies e en i the c ixc v f la ms

ing any costs or expenses incurred byagainst any insured allege negligence oryou, or any other person, organization orother wrongdoing in the superv hirision, ing,entity for repair, rep ment, enhance-, laceemp ment train or mon ing of othersloy , ing itorment restoration or ma o such, intenance fby that insured, i the "occur whichf rence"property for any reason, includ ven-ing precaused the "bodily in or "property dajury" m-tion o injury to a person or damage tofage" in ol the ownership, maintenance,v vedanother's property;use or entrustment to others of any a fircra t,

"auto" or watercraft that is owned or operated Prem sell, gi andon,(2) ises you ve away or abby or rented or insured.loaned to any i "property da arises out of anyf the mage"

part o those premf ises;This e lusion does not apply toxc :(3) Property loaned to you;(1) A watercraft while ashore on premises

you own or rent; (4) Personal property in the care, custody orcontrol o thef insured;(2) A watercraf not own thatt you do is:

(5) That part ar par o real property onicul t f(a) Less than 26 feet long; andwhich you or any contractors or subcon-

(b) Not being used to carry persons or tractors working directly or indirec ly ontproperty charge;for a your behal are per r ing operations, if fo m f

(3) Parking an "auto" on, or on the ways next the "property da arises out of thosemage"operations; orto, prem you own or rent, provises ided

the "auto" is not owned by or rented or (6) That part lar part o any property thaticu floaned to you or insured;the must be restored, repai or repred laced

(4) Liabi ty assumed under any "insured con- because "your work" was incorrectly per-lifor ed onm it.tract" f the ownership, ma oror intenance

use of a f rcra t; orircra t or wate f Paragraphs , and of th exc(1) (3) (4) is lusion(5) "Bodi in or "propert da aris- do not apply to "property damage" (other thanly jury" y mage"

ing out o the operat o any o the damage by fire) to prem includ thef ion f f ises, ingequipment l ed in Paragraph or contents of such prem ented to you for aist ises, rf.(2)f.(3) o the de ini ion of " le equip- period of 7 or f consecuti days. Af f t mobi ewer vement". separate lim t oi f insurance applies to Damage

To Pre ises Rented To You as described inmh. Mob Eq pmentile uiSection L m O Insurance.III i its f

"Bodi injury or "propert da arly " y mage" isingParagraph of is exc(2) th lusion does not applyout of:i the prem are "your work" and weref ises

(1) The transportation of " le equipmobi ment" ne occupied, rented or held for renta byver lby an "auto" owned or operated by or you.rented or loaned to insured; orany

Page 4 o IS Propert 2000f 16 O ies Inc., CG 00 01 10 01

COMMERC GENERAL L ITYIAL IABIL

o. Personal And g juryAdvertisin InParagraphs , , and o th exc u-(3) (4) (5) (6) f is lsion do not apply to l l assumed under aiabi ity "Bodi in arising out of "personal andly jury"sidetrack agreement. ad ising ".vert injuryParagraph of is exc(6) th lusion does not apply Ex through do not apply to damageclusions c. n.to "property da inc ded in the "prod-mage" lu by f to pre ises while rented to you or tempo-ire mucts-comp atleted oper ions hazard". rari occup by you with per ission of thely ied m

k. Damage Y ProTo our duct owner. A separate li i o insurance applies tom t fthis co erage as described in Sect L mv ion i itsIII"Property da to " product" armage" your isingO Insurance.fout o it t o if or any par f t.

COVERAGE B PERS AND ADVERTISONAL INGl. Damage Y orkTo our WINJURY L TIABILI Y

"Property da to "your work" arising outmage"1. Insur g Agreementinof i or any part o i and inc ded in thet f t lu

"products-comple ations hazard".ted oper a. W wil pay those sums that the insured be-e lcomes legal obl to pay as damagesly igatedThis e does not apply i the daxclusion f magedbecause of "personal and adver intising jury"work or the work out of which the damageto which this insurance applies. We wil hal vearises was perfor on your behal by amed fthe right and duty to defend the insuredsubcontractor.against any "suit" seeking those damages.

m. Damage T Im Pro Or Proo paired perty perty Howe we will ha no dut to de thever, ve y fendNot P I jhysically n ured insured against any "suit" seeking damages"Property damage" to "i ired property" or for "personal and ad rt injury" to whichmpa ve isingproperty that has not been physically injured, this insurance does not apply. mWe ay, at ourarising out o :f discretion, in est any of and settlev igate fense

any cla m or that may But:i "suit" result.(1) A defec de ic inadequacy or dan-t, f iency,gerous condition in "your product" or The amount we will pay for da is(1) mages"your work"; or li i as described in Section L mm ted i itsIII

O Insurance; andf(2) A delay or fai anyone actinglure by you oron your behalf to per m a con or Our r and dut to de end whenfor tract ight y fend(2)agreement ccordance with ts terin a i ms. we have used up the applicable li i om t f

insurance in the payment o judg orf mentsThis exc does not apply to the loss oflusionsettle under Co or orments verages A Buse of other property arising out o suddenfmed e nder Co .ical xpenses u verage Cand accidental physical in to " prod-jury your

uct" or "your work" after i has been put to its No other obligation or l l y to pay sums ort iabi itintended use. perfor ac or serv is covered unlessm ts ices

exp i y pro ided for under Supplelic tl v mentaryn. Recall Of Pro Work Or Imducts, pairedPay Co and .ments verages A BProperty

b. This insurance applies to "personal and ad-Damages clai for any loss, cost or ex-medv tising injury caused by an of arisinger " fensepense incurred by you or others the loss offorout of your business but only i the o fensef fuse, withdrawal, recall inspection, repair re-, ,was com itted in the "co erage terr tory" dur-m v iplace ad t, re v l or d alment, justmen mo a isposing the po cy perli iod.of:

2. Exclusions(1) "Your product";This insurance does not apply to:(2) "Your work"; ora. Kno ng olat n ig Of Anotwi Vi io Of R hts her(3) "I property";mpaired

"Personal and advert in caused byising jury"i is withdrawnf such product, work, or propertyor at the direct o the insured with theion for recal fro the marke or f m use byled m t roknowledge that the act would vio thelateany person or organization because of arights o another and would in l "personalf f ictknown or suspected defect de ic in-, f iency,and ad ising ".vert injuryadequacy or dangerous condition iin t.

CG 00 01 10 01 IS Propert 2000 Page 5 oO ies Inc., f 16

COMMERC GENERAL L ITYIAL IABIL

b. Material Pub hed With K wled Of j. Insure In Me And I Ty Busi-lis no ge ds dia nternet peFalsity nesses

"Personal and ad ising in arising out "Personal and advert in co m tvert jury" ising jury" m i tedby an insured whose business is:of oral or written publ ion of ma l, iicat teria f

done by or at the d ion o the insured withirect f (1) Ad tising, broadcasting, publ orver ishingknowledge of fa sityits l . telecasting;

c. Material P lis Prior T ol odub hed o P icy Peri (2) Designing or determ content o web-ining fsites for others; or"Personal and ad ising in arising outvert jury"

of ora tten publ ion o mater whosel or wri icat f ial (3) An Internet search, access, content orf publ tion took place be re the begin-irst ica fo serv v der.ice pro ining o the pol period.f icy

Howe th exc does not apply tover, is lusiond. Criminal Acts Paragraphs , and o "personal and14.a. b. c. f

"Personal and ad ising in arising out ad ising injury under the De in ions Sec-vert jury" vert " f ittion.of a cr m l act co m tted by or at the d c-i ina m i ire

tion o the nsured.f i For the purposes of this e lusion, the p ingxc lace. Contractua Liab ityl il of fra borders or l or ad t formes, inks, ver ising,

you or others anywhere on the Internet, is not"Personal and adver in for whichtising jury" theby itsel considered the business of ad is-f, vertinsured has assumed liab li in a cont ori ty racting, broadcasting, ishing or te ecasting.publ lagreement. This exc does not apply tolusion

k. Electron ooms ul n Boaric Chatr Or B leti dsliab li fo da that the insured wouldi ty r magesha in the absence of the contract orve "Personal and ad ising in arising outvert jury"agreement. of ronic m or bu tin boardan elect chatroo lle the

f. Breach Of Contract insured hosts, owns, or over which the in-sured exercises control."Personal and ad ising in arising outvert jury"

of a breach o contrac e an i lf t, xcept mp ied l. Unaut d Use Of Anot Name Orhorize her'sProductcontract to use another's adver idea intising

your "ad t .ver isement" "Personal and ad ising in arising outvert jury"g. Qual Or Perf O Go Fa l-ity ormance f ods i of the unauthori use of another's name orzed

ure o C orm oT onf T Statements product in your e- i address, domain nama l meor metatag sim lar tact is-, or any other i ics to m"Personal and ad ising in arising outvert jury"lead another's potentia stol cu mers.of the ilure o or servfa f goods, products ices to

m. Pol iolut nconfor with any statement o qual or per-m f ityfor ance in your d t .m made "a ver isement" "Personal and ad ising in arising outvert jury"

h. Wrong on f PricesDescripti O of l, a leged or threatened discharge,the actua ldispersal, seepage, migra , release or es-tion"Personal and ad ising in arising outvert jury"cape of lutants" a ti e."pol t any mof the wrong description of ce othe pri f goods,

n. Pol io -Relatedlut nproducts or serv stated in your "adver-icestisement". Any loss, cost or e pense arising out o any:x f

i. Infri nt Of Co ht, Patent, T e-ngeme pyrig rad (1) Request, demand or order that any in-mark Or SecretTrade sured or others test m tor, cfor, oni lean up,"Personal and ad ising in arising out remo e treat, deto i y or neutral-vert jury" v , contain, x fof the in r o copyr patent, ize, or in any way respond to, or assessf ingement f ight,

the e fec , lutants"; orf ts of "poltrademark trade secret or other intellec, tualproperty rights. (2) Clai or suit by or on behal o a go n-m f f verHowe th exc does not apply to in- menta authori for damages because ofver, is lusion l tyf ment in your "ad rt , o copy- testing for, moni ing, clean up, re-ringe , ve isement" f tor ingright, trade dress or slogan. mo i contain treat deto i yv ng, ing, ing, x f ing

or neutrali or in any way respondingzing,

Page 6 o IS Propert 2000f 16 O ies Inc., CG 00 01 10 01

COMMERC GENERAL L ITYIAL IABIL

to, or assessing the ef ts of, "pol t-fec lu d. Workers Compensati And S laron imiants". Laws

COVERAGE C TMEDICAL PAYMEN S To a person, whether or not an "em-ployee" o any insured, i bene ts for thef f fi1. Insur g Agreementin"bodily in are payable or must bejury"

a. W wi l pay med l expenses as describede l ica pro ided under a workers' compensationvbelow for "bodi in caused by an acci-ly jury" or disabil y bene its law or a si i law.it f m lardent:

e. Athletics Activities(1) On pre ises you own or rent;m

To a person injured while tak part ining(2) On ways next to pre you own ormises athletics.

rent; orf. Prod -Com Operati Haz-ucts pleted ons

(3) Because of your operations; ardpro ided thatv : Included within the "products-co tedmple

operations hazard".(1) The accident the "co eragetakes place in vterri ing the po icy pertory" and dur l iod; g. Coverage A Exclusions

(2) The e s are incurred and reportedxpense Ex v .cluded under Co erage Ato us within one year of the date o thef

h. Waraccident; andDue to war, whether or not declared, or(3) The in person submits to e mina-jured xaany act or condition inc to war. Waridenttion, a our expense, by physicians of ourtincludes ci i war, insurrect rebel ionv l ion, lchoice as o nably require.ften as we reasoor re lutvo ion.

b. W wi l make these payments regardless ofe lSUPPLE TARY PAYMEN C AMEN TS OVERAGESfau . These payments will not ex the ap-lt ceedAND Bplicab l m o insurance. We wil pay rea-le i it f l

sonable expenses for: 1. W wi pay, with respect to any clai we in i-e ll m vestgate or settle, or any "suit" against an insured we(1) First a ad istered at the t me o anid min i fdefend:accident;a. Al xpenses we incur.l e(2) Necessary medical surgical x-ray and, ,

dental ser ices, includ prosthetic de- Up to $250 for cost o bai bonds required be-v ing f lb.v ces; andi cause of accidents or tra f law v tionsf ic iola

arising out o the use of any veh le to whichf ic(3) Necessary ambulance, hospital, pro s-fethe Bodily In Liabi ity Co erage applies.jury l vsional nursing and v ces.funeral ser iW do not ve fe ha to urnish these bonds.

2. Exclusionsc. The cost of bonds to release attachments, but

W wil not pay e il injurye l xpenses for "bod y ": only for bond a within the applmounts icablea. Any Insured li i o insurance. We do not ha to furnishm t f ve

these bonds.To any insured, e " o work-xcept v lunteerers". d. Al reasonable expenses incurred by the in-l

sured at our request to assist us in the in es-vb. Hired Persontigat or de of the c m or "sui in-ion fense lai t",

To a person hired to do work for or on cluding ac loss of earnings up to $250 atualbehalf o any insured or a tenant of anyf day because of t me f fro work.i o f minsured.

e. Al costs taxed against the insured in thelc. Inj On Occ iedury Normally up Premises "suit".

To a person injured on that part o pref m- f. Prejudg interest awarded against the in-mentises you own or rent that the person nor- sured on that part of the judgment we pay. Ifma ly occupl ies. we make an of to pay the appl li i ffer icable m t o

insurance, we will not pay any prejudgment

CG 00 01 10 01 IS Propert 2000 Page 7 oO ies Inc., f 16

COMMERC GENERAL L ITYIAL IABIL

interest based on that period of ti e a the Obtain records and other in mam fter for tion(a)of er. related to t";f the "sui and

g. (b)Al terest on the fu moun f any judg ent Conduct and control the de ofl in ll a t o m fensethe inde itee .mn in such "suit"that accrues af entr o the judgment andter y f

before we ha paid, o fered to pay or de-ve f , So long as the above condit are met, a r-ions ttoposited in court the part o the judgment thatf neys' fees incurred by us in the de of thatfenseis within icable i i f rance.the appl l m t o insu inde tee, necessary lit ion expenses in-mni igat

These payments will not reduce the l m ts of in- curred by us and necessary lit ion e pensesi i igat xsurance. incurred by the inde tee at our request wil bemni l

paid as Supplementary Pay ts. Notwithstand-men2. I we defend an insured against a "suit" and anfing the pro isions o Paragraph o Sec ionv f f t2.b.(2)inde tee o the insured is also named as amni fI ACo Bodily In And Propertyverage juryparty to the "suit", we will de that inde teefend mniDamage Liab i such pay will not beil ty, mentsi al f fo tions are :f l o the llowing condi metdeemed to be da ages for "bodi in andm ly jury"

a. The "suit" against the inde tee seeks dam-mni "property damage" and wil not reduce the l ml i itsages for which the insured has assumed the of insurance.liab li o the inde tee in a contrac ori ty f mni t

Our obligat to defend an insured's indemniion teeagreement is an " nsured contract";that iand to pay for a fees and necessary litttorneys' i-

b. This insurance applies to such liabi ity as-l gation e as Supplementary Payxpenses mentssumed by the insured; ends when:

c. The obligat to de or the cost of theion fend, a. W ha used up the appli li i o in-e ve cable m t fdefense of, tha inde tee, has also beent mni surance in the paymen o judg or set-t f mentsassumed by the insured in the same "insured tlements; orcontract";

b. The condit set forth abo or the terions ve, msd. The allegat in the "suit" and the in ma-ions for of the agree described in Paragraphment f.

tion we know about the "occurrence" are such abo no longer t.ve, are methat no con li appears to e between thef ct xist

SEC ON WHOTI II IS AN INSUREDinterests of the insured and the interests ofthe inde itee; I are designated in tions as:mn f you the Declara1.

e. a.The inde itee and the insured ask us to An indi idua you and your spouse are insur-mn v l,conduct and control the de of that in- eds, but only with respect to the conduct of afense

business of which you are the sole owner.demn against such "suit" and agree thatiteewe can assign the same counsel to defend b. A partnership or joint v you are an in-enture,the insured and the inde itee;mn and sured. Your me your partners, andmbers,

f. The inde itee:mn their spouses are also insureds, but only withrespect to the conduct f your s.o busines(1) Agrees in writing :to

c. A l m liab i co you are an in-i ited il ty mpany,(a) Cooperate with us in the in estiga-vsured. Your me are also insureds, butmberstion, sett ment or de of thele fenseonly with respect to the conduct o your busi-f"suit";ness. Your managers are insureds, but only

(b) I media send us copies of anym tely with respect to the ies as your gers.ir dut manademands, notices, sum or le-monses

d. An organizat other than a partnership, joion intgal papers recei in connectionvedv or l m liab li co you areenture i ited i ty mpany,with the "suit";an insured. Your "executi o f cers" and di-ve f i

(c) Noti y any other insurer whose cov-f rectors are insureds, but only with respect toerage is ava lable to the inde itee;i mn their duties as your of cers or directors. Yourfiand stockholders are also insureds, but only with

respect to their liab li ders.i ty as stockhol(d) Cooperate with us with respect to co-ordinating o appl le insurancether icab e. A trust, you are an insured. Your trustees area ilab the mniva le to inde tee; and also insureds, but only with respect to their

(2) Pro ides us with written authori ion to: duties as trustees.v zat

Page 8 o IS Propert 2000f 16 O ies Inc., CG 00 01 10 01

COMMERC GENERAL L ITYIAL IABIL

2. Each o the llowingf fo is also an insured: b. Any person (other than your "employee" or" lunteer worker"), or any organization whilevoa. Your " lunteer workers" only while per m-vo foracting as your rea manager.l estateing duties rela to the conduct o your busi-ted f

ness, or your "employees", other than either Any person or organization ha properc. vingyour "execu ve o f (i you are an organi- te custody of your property if you die,ti f icers" f mporary

but only:zation other than a partnership, joint ventureor li i liab li co or your managersm ted i ty mpany) (1) W t respect to liabi it arising out of thei h l y(i you are a l m liab li co , butf i ited i ty mpany) ma f pertyintenance or use o that pro ; andonly for acts within the scope of the eir m-

(2) Unti your lega representati e has beenl l vploy by you or while per m dutiesment for ingappointed.related to the conduct of your business. How-

e f these "emp volunteer Your legal representati e i you die but onlyver, none o loyees" or " v f ,d.workers" are insureds for: with respect to duties as such. That represen-

tati wi l ha a l your r and duties un-ve l ve l ights(1) "Bodi in or "personal and ad is-ly jury" vertder this Co erage Partv .ing :injury"

3. W t respect to "mobi equipmen registered ini h le t"(a) To you, to your partners or membersyour name under any motor veh le registratic ion(i you are a partnership or jo v n-f int elaw, any person is an insured while dri ing suchvture), to your me (i you are ambers fequipment a a public highway with your per-longli i liab li co , to a co-m ted i ty mpany)m Any other person or organization re-ission."emp while in the course of hisloyee"sponsible for the conduct of such person is alsoor her e men or per m du-mploy t for ingan insured, but only with respect to l il y ariab it isingties related to the conduct of yourout of the operation o the equip , and only if ment fbusiness, or to your other " olunteervno other insurance of any k is a i to thatind va lableworkers" while per m dut re-for ing iesperson or organization for th l l . Howeis iabi ity ver,lated o your business;to the conduct fno person or organization is an insured with re-

(b) To the spouse, child, parent, brother spect to:or sister o that co-"e loyee" orf mp

a. "Bodi in to a co-"e loyee" o the per-ly jury" mp f" lunteer worker" as a consequencevoson dri ing the equ ment;v ip orof abo e;Paragraph v(1)(a)

b. "Property da to property owned by,mage"(c) For which there is any obligat toionrented to, in the charge of or occup by youiedshare damages with or repay some-or the emp o any person who is an in-loyer fone else who must pay da be-magessured under this provision.cause of the injury described in Para-

graphs or abo e;(1)(a) (b) v or 4. Any organizat you newly acqu or m otherion ire for ,than a partnership, join v or l m l lt enture i ited iabi ity(d) Arising out of his or her provid oringcompany, and o er which you tain ownershipv mainfa ling to pro i pro healthi v de fessionalor major y interest, wi qual fy as a Na In-it ll i medcare ser ces.visured if there is no other sim insurance avaiilar l-

(2) "Property da to propertymage" : able to zat ver:that organi ion. Howe(a) Owned, occupied or used by, a. Co v is a forded onlyverage under this pro ision f(b) Rented to, in the care, custody or unti the 90th day a ter you acquire or f ml f or

control o , or o er which physical con- the organizat or the end o the po icy pe-f v ion f lriod, whiche er rlv is ea ier;trol is being exerc for any pur-ised

pose by b. ACo does not apply to "bodi inverage ly jury"you, any o your "e loyees", " olunteer or "property da that occurred bef mp v mage" fore

you acquired or or organizatf med the ion; andworkers", any partner or member (i youfare a partnership or joint ven or anyture), c. BCo does not apply to "personal andverageme ( f you are a l m l il ty comber i i ited iab i m- ad ising injur arising out of an ofvert y" fensepany). com i before you acquired or for them tted med

organization.

CG 00 01 10 01 IS Propert 2000 Page 9 oO ies Inc., f 16

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No person or organization is an insured with respect The Li its o Insurance of th Co Part applym f is verageto the conduct o any current or past partnership, jo separately to each consecuti e annual per and tof int v iodv or l m l il ty co that is not shown any rema period o less than 12 months, startingenture i ited iab i mpany ining fas a Named Insured in clarathe De tions. with the beginning o the pol per shown in thef icy iod

Declarat unless the policy period is eions, xtendedSEC ON I LIM T OFTI II I S INSURANCEaf issuance for an addit per o less than 12ter ional iod f

1. The Li its o wn in the Declarationsm f Insurance sho months. In that case, the addi l period wi betiona lland the rules below fi the most we will pay re-x deemed part o preceding per purposesf the last iod forgardless of the nu fmber o : of m the L m fdeter ining i its o Insurance.a. Insureds; SEC ON IV COM TTI MERCIAL GENERAL LIABILI Yb. CONDI IONSClai made orms "suits" brought; or T

1. Bankruptcyc. Persons or organizations making c ms orlaibringing "suits". Bankruptcy or insol ency o the insured or o thev f f

2. The General Aggregate Li it is the most we will insured's estate wil not re ie us of our ob a-m l l ve ligpay sum o : tions under this Co erage Partfor the f v .

a. CMedical xpenses under Co ;e verage 2. Duties In T Event Of Occurrence, Ohe ffense,Claim uitOr Sb. ADamages under Coverage , e daxcept m-

ages because of "bodi in or "property You must see to it that we are noti ied asly jury" fa.damage" inc in the "products-comple soon as practicable o an "occurrence" or anluded ted foperations hazard"; and of ense which may result in a cla m. To thef i

exten ice shouldt possible, not include:c. BDamages under Co .verage(1) How, when and where the "occurrence"3. The Products-Completed Operat Aggregateions

or o fense took placef ;Li it is the most we wil pay under Com l verage Afor da because of "bodil in and "prop- The names and addresses of any inmages y jury" jured(2)

persons and witnesses; anderty da luded in the "products-co tedmage" inc mpleoperations hazard". (3) The nature and locat o any in orion f jury

4. 2.Subject to abo , the Personal and Adver ising damage arising out o the "occurrence" orve t fof ense.fInjury Li i is the most we wil pay under Cover-m t l

age for the sum o a da because of alB f ll mages l b. I a c m is made or "suit is brought againstf lai ""personal and advert jury" sustained by anyising in any insured, you must:one person or organization.

(1) I media record the speci ics of them tely f5. 2. 3.Subject to or abo , whiche appl theve ver ies, clai or and the date ecei ed;m "suit" r v and

Each Occurrence Li it is the most we will pay form(2) Noti y us as soon as practicable.fthe sum o :fYou must see to i that we recei e written no-t va. ADamages under Co ; andveragetice o the c m or "suit as soon as practica-f lai "

b. CMedical xpenses under Coe verage ble.because of al "bodi injury and "property dam-l ly " c. You and any other v v insuredin ol ed must:age" arising out o any one "oc rrence".f cu

(1) I media send us copies of any de-m tely6. 5.Subject to abo e, the Da To Pre isesv mage m mands, noti sum or legal pa-ces, monses

Rented To You Lim is the most we will pay un-it pers recei ion with the cla mved in connect ider Coverage for damages because of "prop-A or "suit";erty da to any one pre ises, while rentedmage" m

(2) Authorize us to obtain records and otherto you, or in the case of damage by f whileire,in mafor tion;rented to you or te il occup by you withmporar y ied

perm the owner.ission of (3) Cooperate with us in the in igat orvest ionsettle f the c i fense againstment o la m or de7. 5.Subject to abo , the Medi E Li t isve cal xpense mithe "suit"; andthe most we will pay under Co for alverage lC

med e because of "bodily in sus- Assist us, upon our request, in the en-ical xpenses jury" (4)tained by any one person. for ment o any right against any personce f

Page 10 of IS Propert 200016 O ies Inc., CG 00 01 10 01

COMMERC GENERAL L ITYIAL IABIL

or organizat which may be l That is insurance purchased by youion iable to the (c)insured because of in or da to to co r your liab li as a tenant forjury mage ve i tywhich this insurance lso apply.may a "property damage" to pre isesm

rented to you or te i occupiedmporar lyd. No insured will, e at tha insured's ownxcept tby you with per o the owner;mission fcost, vo ly make a pay assumeluntari ment,orany obligat or incur any expense, otherion,

than f id, hout ourfor irst a wit consent. (d) I the loss arises out of the ma e-f intnance or use of aircra t, "autos" orf3. Legal nst UsAction Agaiwatercraft to the e not subject toxtent

No person or organization has a right under this Ex o Sect Co erageclusion f ion vg. ICo :verage Part A Bodily In And Property Dajury m-

age Liabi ty.lia. To jo us as a party or otherwise bring usininto a "suit" asking for damages fro an in-m (2) Any other pr mary insurance a ilab toi va lesured; or you co liab i for da arisingvering il ty mages

b. To sue us on this Coverage Part unless all o out of the prem or operations forf isesits ter v fu ly co p ied with.ms ha e been l m l which you have been added as an addi-

tional insured by attachmen of an en-tA person or organization ma sue us to recoy verdorsement.on an agreed settlement or on a f judginal ment

against an insured; but we will not be l le for W th insurance is excess, we will haiab hen is vedamages that are not payable under the terms of no duty under Co rages or to deve fendA Bthis Co Part or that are in e of the the insured against any "suit" i any other in-verage xcess fapplicab li i o insurance. An agreed settle- surer has a duty to de insured againstle m t f fend thement means a settlement and release of l l that "suit" I no other insurer defends, we williabi ity . fsigned by us, the insured and the clai or the undertake to do so, but we will be ent led tomant itclai ant's legal esentati e.m repr v the insured's rights against all those other in-

surers.4. Other nsI uranceW this insurance is excess o other in-hen verI other va id and collec ible insurance is a lablef l t vaisurance, we will pay only our share of theto the insured for a loss we cover under Co r-veamount o the loss, i any, that e thef f xceedsages or of this Co , our oblA B verage Part igationssum of:are l m foi ited as llows:(1) The tota a that al such other in-l mount la. Primary Insurance

surance would pay for the loss in the ab-This insurance is primary e when be-xcept b. sence of this insurance; andlow applies. I th insurance is primary, ourf is

(2) The total o al duct f-f l de ible and sel insuredobligat are not a fec unless any of theions f tedamounts under al that otherl insurance.other insurance is also pri Then, we willmary.

share with all that other insurance by the W wil share the re ing loss, i any, withe l main fme below.thod described in c. any other insurance that is not described in

this Excess Insurance pro and was notvisionb. Excess Insurancebought specif lly to app in e of theica ly xcess

This insurance is e s oxces ver: Li its of Insurance shown in the Declarationsmof is Co t.th verage Par(1) Any of the other insurance, whether pri-

mary e contingent or on any other, xcess, c. Metho Of ngd Sharibasis:

I a o the other insurance permi contribu-f ll f ts(a) That is Fire, E tended Coverage,x tion by equal shares, we will f low thisol

Bui Risk, Instal ion R orlder's lat isk me also. Under this approach each in-thodsim lar co erage r "youri v fo work"; surer contributes equal a until it hasmounts

(b) That is F insurance for pre ises paid its applicable li i o insurance or noneire m m t fof loss remains, whiche er co fthe v mes irst.rented to you or te i occupiedmporar ly

by you with per ission ofm the owner; I any o the other insurance does not permf f itcontribut by equal shares, we will contr b-ion i

CG 00 01 10 01 IS Propert 2000 Page 11 ofO ies Inc., 16

COMMERC GENERAL L ITYIAL IABIL

9. When We Do ReneNot wute by l m Under this method, each in-i its.surer's share is based on the ratio o ts appli-f i I we decide not to renew this Co Par wef verage t,cable li i o insurance to the total applicablem t f will mai or del v to the f Na Insuredl i er irst medli i f al insurers.m ts o insurance of l shown in the Declarations written notice o thef

5. Premium Audit nonrenewal not less than 30 days before the expi-ration date.a. W wi l co al pre iu for this Co r-e l mpute l m ms ve

age Part in accordance with our rules and I not is mai proo o ma ling wi be suf i-f ice led, f f i ll frates. cient proo o notif f ce.

SEC ON V DE I IONSTI FIN Tb. Prem m shown in this Co rage Part as ad-iu vev pre iu is a deposit prem m only Atance m m iu . 1. "Ad t means a notice that is broadcastver isement"the close of each audit per we wil coiod l m- or published to the general public or specif r-ic mapute the earned premiu for that period andm ket segments about your goods, products or ser-send notice to the f Na Insured. Theirst med v ces for the purpose of att ing custo ori ract mersdue date for audit and retrospecti pre i-ve m supporters. For the purposes of f tion:this de iniums is the date shown as the due date on the

a. Notices that are published include materialbil I the sum o the ad ance and audit pre-l. f f vplaced on the Internet or on sim lar electi ronicm ms paid for the pol period is greateriu icymeans o m icat andf co mun ion;than the earned premiu , we will return them

excess to the irst Na Insured.f med b. Regarding web-sites, only that par o a web-t fsite that is about your goods, products or ser-c. The irst Naf med Insured must keep records ofv ces for the purposes of attrac ing customersi tthe in ma we need for pre iu co u-for tion m m mpor supporters is considered an ad rt .ve isementtation and send us copies at such times as,

we may request. 2. "Auto" means a land motor v le, tra ler orehic isemit ler designed for tra e on publ roads, in-rai v l ic6. Representationscluding any at machinery or equ ment.tached ip

By accept is pol you agree:ing th icy, But "auto" lude " ile ment"does not inc mob equip .a. The statements in the Declarat are accu-ions 3. "Bodi in means bodily in sickness orly jury" jury,

rate and co te;mple disease sustained by a person, including deathresulting ro f t me.f m any o these at any ib. Those statements are based upon represen-

tations you made to us; and 4. "Co ri mverage ter tory" eans:c. W ha e issued this policy in rel upone v iance a. The United S of A ica ( luding itstates mer inc

your representations. terri and possessions), Puerto Rico andtories7. Separatio Of uredsn Ins Canada;

Ex with respect to the Lim ts of Insurance, Internationa waters or airspace, but onl icept i l y fb.and any rights or duties specif ly assigned in the injury or damage occurs in the course oficalthis Co Part to the first Na Insured, tra l or t between any placesverage med ve ransportationthis insurance applies: included abo ; orin vea.

a. c.As if each Named Insured were the only Al other parts of the world i the injury orl fNamed damage arInsured; and ises out of:

b. (1)Separately to each insured against whom Goods or products made or sold by you inclai is t" the terr described in abo e;m made or "sui is brought. itory va.

8. Tra Of Ri Of Recovery Against Oth- (2)nsfer ghts The act v t of a person whose home isi i iesers To Us in the terr y described in abo e, butitor va.

is away for a short t me on your business;iI the insured has rights to reco al or part of ver l forany payment we ha made under th Cove is verage

Part, those rights are transferred to us. The in- "Personal and adver " o fenses(3) tising injury fsured must do nothing after loss to impair the that take p through the Internet orm. laceAt our request, the insured will bring "sui or sim lar elec means of co mun a-t" i tronic m ic

tiontransfer those rights to us and help us enforcethem.

Page 12 of IS Propert 200016 O ies Inc., CG 00 01 10 01

COMMERC GENERAL L ITYIAL IABIL

pro ided the insured's responsibil y to pay dam- damage" to a th person or organizatv it ird ion.ages is determ in a "suit" on the r in the Tort l l means a liab li that would beined me its, iabi ity i tyterri described in abo or in a settle i by law in the absence of any con-tory ve ment mposeda.we agree to. tract or ment.agree

5. f."E inc a "leased worker". "E Paragraph does not include that part o anymployee" ludes m- fployee" does not inc te orary worker". contract or :lude a " mp agreement

6. (1)"E i e o f cer" means a person holding any o That inde f a ra lroad for "bodi in-xecut v f i f mni ies i lythe o f positions created by your charter con- jury" or "property da ar out of icer , mage" ising fstitut by- or any other simi go ern construction or de i operation, laws lar v ing mol tion ions,document. within 50 feet o any rai property andf lroad

af ect any railroad bridge or trestle,f ing7. "Hostile f re" means one which becomes uncon-itracks, road-beds, tunnel, underpass ortrol or breaks out fro where it was intendedlable mcrossing;to be.

(2) That inde i ies an architect, eng ormn f ineer8. "I property means tangible property,mpaired "surveyor for injur or damage arising outyother than "your product" or "your work", thatof:cannot be used or is less useful because:(a) Preparing, appro ing, or fa ing tov ila. It incorporates "your product" or "your work"

prepare or approve, maps, shopthat is known or thought to be defect v de i-i e, fdrawings, opinions, reports, surveys,cient, inadequate or dangerous; orf ld orders, change orders or draw-ie

b. You have fa to fu f l the ter of a con-iled l il ms ings and specif atic ions; ortract or ment;agree

(b) Gi ing d tions or instructions, orv ireci such property can be restored to use by:f fa ling to gi e the , i that is the pri-i v m fa. The repair, replace , adjust or re- mary cause of the in or damage;ment ment jury

mo a f product" or orv l o "your "your work"; or

b. (3)Your fu f l the ter of the contract or Under which the insured, i an arch t,l i ling ms f itecagreement. engineer or sur assumes liabi ityveyor, l for

an injury or da arising out o the in-mage f9. "Insured contract" means:sured's rendering or fai to render pro-lure

a. A contract for a lease of pre ises. However,m fessional ser inc those listedvices, ludingthat port o the contrac fo a lease ofion f t r in abo e and super inspection,(2) v visory,prem that inde i ies any person or or-ises mn f architec or engineering i i ies.tural act v tganization f da by f to pre isesor mage ire m

10. "Leased worker" means a person leased to youwhile rented to you or te il occupmporar y iedby a labor leasing f m under an agreement be-irby you with per ission of the owner is not anmtween you and the labor leasing f m to per mir , for"insured contract";duties related to the conduct of your business.

b. A sidetrack agree ;ment "Leased worker" does not include a "temporaryworker".c. Any easement or li agreement, ecense xcept

in connect with construction or de li ionion mo t 11. "Loading or unload means the handling ofing"operations on or within 50 eet o a ra lroad;f f i property:

d. An obligat as required by ordinance, to in-ion, a. A it is mo f m the p where it isfter ved ro lacedemn fy a m ipal ty, e cept in connecti unic i x ion accepted for mo e in or onto an a r-v ment to iwith work for mun l ;a icipa ity cra watercra "auto"ft, ft or ;

e. An ele ator ma ;v intenance agreement b. W i i is in or on an aircra , watercraft orh le t ft"auto"; orf. That part o any other contract or agreef ment

pertaining to your business (including an in- c. W i i is being mo ed f m an aircra , wa-h le t v ro ftdemn f ion o a mun ipal y in connecti icat f ic it ion tercra to" to the place where it inalft or "au is f lywith work perfor for a muni l undermed cipa ity) deli ered;vwhich you assume the tort l il ty o anotheriab i f

but "loading or un does not include theloading"party to pay for "bodi injury" or "propertylymo e t o property by m of a mechaniv men f eans cal

CG 00 01 10 01 IS Propert 2000 Page 13 ofO ies Inc., 16

COMMERC GENERAL L ITYIAL IABIL

de ice, other than a hand truck, that is not at- "Occurrence" means an accident, inc ingv lud13.tached to the ra , watercra or "auto"airc ft ft . continuous or repeated exposure to substantially

the same general m l condi ions.har fu t12. "Mobi equip means any o the f lowingle ment" f oltypes of land veh les, inc any attached "Personal and ad ising injury means inic luding vert " jury,14.mach equip :inery or ment includ consequential "bodi in , arising outing ly jury"

of more o the llowing o fone or f fo f enses:a. Bul m mach f li ts and otherldozers, far inery, ork fa. False arrest, detent i isonmention or mpr ;v icles designed for use principal f iceh ly o f publ

roads; b. Mal ious prosecution;icb. Vehic ma nta for use solely on or neles i ined xt c. The wrongful e i tion f m wrongful entryv c ro ,

to pre ises you own or rent;m into, or in asion of the right o pr v occu-v f i atec. Vehic v l onles that tra e crawler treads; pancy o a room dwell or pre ises that af , ing m

person occupies, com i by or on behalm tted fd. Vehic whether sel -propel or not, main-les, f ledof ts owner, landlord or essor;i ltained pri il to pro ide mob i to perma-mar y v il ty

nently :mounted d. Oral or writ publi ion, in any manner, oten cat fma l that slanders or libels a person or or-teria(1) Power cranes, sho loaders, diggersvels,ganization or disparages a person's or or-or dri ls; orlganization's goods, products or services;

(2) Road construction or resurfac equip-inge. Oral or writ publi ion, in any manner, oten cat fment s, scrapers or rollers;such as grader

ma l that v ola a person's right of pri-teria i tese. a. b c. d.Vehic not described in , , orles . v ;acy

abo that are not sel -propel and areve f ledf. The use of another's adver ising idea in yourtma ined pri i to pro ide mob li tointa mar ly v i ty

"ad isemen orvert t";permanent attached equip t o the foly men f l-lowing types: g. In inging upon another's copyright, tradefr

dress or slogan in your "ad ert t".v isemen(1) Air co pumps and generators,mpressors,includ spraying, welding, bui ing "Pol mean any solid, liqu gaseous oring ld lutants" id,15.cleaning, geophysical e tion, l ing ther irr tant or conta inant, includ smoke,xplora ight mal i m ingand well ser ic ment;v ing equip or v soot, fu ac alkal che icals andapor, mes, ids, is, m

waste. Waste includes mater ls to be recycled,ia(2) Cherry pickers and sim lar de i usedi v cesrecondit ec med.ioned or r laito raise or er workers;low

16. "Products-comp ions hazard":leted operatf. a. b c. d.Vehic not described in , , orles .abo ma i il for purposes other Includes all "bodi in and "property dave intained pr mar y ly jury" m-a.than the transportation f persons or cargo.o age" occurring away fro pre ises you ownm m

or rent and arising out of "your product" orHowe sel -propel veh with the fol-ver, f led icles"your work" except:lowing types of permanently at equip-tached

ment are not "mob le equipment but will be Products that are stil in your physicali " l(1)considered "autos": possession; or

(1) Equip ma ly for:ment designed pri ri (2) W rk that has not yet been co oro mpletedabandoned. Howe "your work" wil bever, l(a) Snow remo l;vadeemed co leted at the ear iest o themp l f

(b) Road maintenance, but not construc- fo lowing ti es:l mtion or ing; orresurfac

(a) W ll o the work calledhen a f for in your(c) Street c ;leaning contract has been completed.

(2) Cherry pickers and sim lar de icesi v (b) W a l o the work to be done athen l fmounted on auto le or truck chassismobi the job si has been comp ite leted fand used to raise or lower workers; and your contract cal for work at morels

than one job site.(3) Air co pumps and generators,mpressors,includ spraying, welding, bui inging ld (c) W that par o the work done at ahen t fcleaning, geophysical e tion, l ingxplora ight job site has been put to i intendedtsand well ser ic ment.v ing equip

Page 14 of IS Propert 200016 O ies Inc., CG 00 01 10 01

COMMERC GENERAL L ITYIAL IABIL

use by any person or organization must submi or does submit with our consent;torother than another contrac or sub-tor

contractor working on the same pro- b. Any other alternat v dispute resolution pro-i eject. ceeding in which such damages are claimed

W rk that may need ser , ma e- and to which the insured submi with ouro vice int tsconsent.nance, correction, repair or replacement,

but which is otherwise complete, wil bel 19. "Te worker" means a person who ismporarytreated as completed. furn to you to substitute for a perished manent

b. Does not include "bodi injury or "property "emp lea e or meet nal or short-ly " loyee" on v to seasodamage" ar f ter iising out o : m workload cond tions.

(1) 20.The transportation o property, un the "Volunteer worker" means a person who is notf lessinjury or da arises out of a condit your "emp and who donates his or hermage ion loyee",in or on a vehic not owned or operated work and acts at the direction o and within thele fby you, and that condi was created by scope of duties determ by you, and is nottion inedthe "load or unloading" o tha v cle paid a fee, salary or other compensation by youing f t ehiby any insured; or anyone else ir work per med or you.for the for f

21. "Your product":(2) The ex of too uninstalistence ls, ledequipment or abandoned or unused ma- a. Means:terials; or

(1) Any goods or products, other than real(3) Products or operations for which the c s-la property, manu , sold, handled,factured

sif tion, l the Dec ions or in aica isted in larat distributed or disposed of by:policy schedule, states that products-

(a) You;comp operations are subject to theletedGeneral Aggregate L m . Others trading under your me; ori it na(b)

17. "Property da means:mage" (c) A person or organization whose busi-ness or assets you ha acquired;vea. Physical injury to tangib property inc ingle , ludandall resulting loss of use of tha property. Alt l

such loss of use shall be dee to oc at Containers (other than veh matermed cur icles), i-(2)the t me o the physica injury that caused it; als, parts or equip f in con-i f l ment urnishedor nection with such goods or products.

b. Includes:b. Loss of use of tangib property that is notlephysically injured. A l such loss of use shalll (1) W rrant or representations made ata iesbe deemed to occur at the ti of the "occur-me any ti with respect to the fi qual-me tness,rence" that caused it. ity i for, durabil ty, per mance or use of "your

For the purposes of th insurance, electronicis product"; anddata is not property.tangible (2) The pro iding o or fa lure to pro idev f i vAs used in this de it e ic data meansfin ion, lectron warnings or instructions.in ma fac or programs stored as or on,for tion, ts

c. Does not include v d machines or otheren ingcreated or used on, or transmi to or frotted mproperty rented to or located for the use ofcomputer sof inc systems and appltware, luding i-others but not sold.cations software, hard or floppy disks, CD-ROMS,

22. "Your work":tapes, dri ce data processing dev orves, lls, icesany other media which are used with elec i-tron a. Means:call l menty contro led equip .

(1) W rk or operat perfor by you oro ions med18. "Suit a ci i proceeding in which da" means v l mages on your behal andf;

because of "bodi injur "property da orly y", mage"(2) Materia parts or equipment furn inls, ished"personal and advert in to which this in-ising jury"

connection with such work or operations.surance applies are alleged. t" ludes:"Sui inc

a. An arbitrat proceeding in which such dam-ionages are clai and to which the insuredmed

CG 00 01 10 01 IS Propert 2000 Page 15 ofO ies Inc., 16

COMMERC GENERAL L ITYIAL IABIL

b. Includes: ity i for, durabil ty, per mance or use of "yourwork", and(1) W rrant or representations made ata ies

any ti with respect to the fi qual- The pro iding o or fa lure to pro ideme tness, v f i v(2)warnings or instructions.

Page 16 of IS Propert 200016 O ies Inc., CG 00 01 10 01

COMMERC GENERAL L ITYIAL IABIL

THIS ENDORSEMENT CHA ASE READ IT CAREFULLY.NGES THE POLICY. PLE

AMENDMENT OF COVERAGE POLLUTION

This endorsement i ies insurance pro ided under t folmod f v he lowing:

COMMERC GENERAL L ITY VERA AIAL IABIL CO GE P RT

PROVI ONSSI mo e conta treat deto i y or neutrav , in, , x f l-ize, or in any way respond to, or assessParagraph , Par of.(2) Po uti 2. Exc us nsll on l iot fthe e fec , “po lutants”; orf ts of lSEC ON I C , C A BODITI OVERAGES OVERAGE LY

INJURY AND PROPER DAMAGE L ABILI Y (b)TY I T is Clai or “suit” by or on behal o a go -m f f vdeleted and replaced by fo lowing:the l ernmenta authorit because of testingl y

for mon tor c up, re v ng,, i ing, leaning mo i(2) Any loss, cost or e fxpense arising out o any:containing, trea deto i ing or neting, x fy u-

(a) Request, demand, order or statutory or tral ing, or in any way responding to, orizregulatory require that any insuredment assessing the e fec f “po tants”.f ts o lluor others test for, mon c up, ritor, lean e-

CG D2 55 11 03 Copyright, Tra elers Inde ity mpany, 2003 Page 1 oThe v mn Co f 1

COMMERC GENERAL L LIAL IABI ITY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

AMENDMENT OF COVERAGE BPERSONAL AND ADVERTISING INJURY LIABILITY

This endorsement i ies insurance pro ided under t folmod f v he lowing:

COMMERC GENERAL L ITY VERA AIAL IABIL CO GE P RT

PROVI ONS 2.SI The fol replaces the third sentence oflowingParagraph of2. SUPP TARY PAY-LEMENA. AMENDMENT O DEF T OF PERSF INI ION ONALMEN COTS VERAGES A AND B:AND ADVERTI INJURYSINGNotwithstanding the prov of ParagraphisionsThe fo lowing replaces the defin ion of "personall it2.b.(2) I Ao Sect Co erage Bodi In-f ion v lyand advert injur " in the Sec-ising y DEFIN TI IONSjury And Property Da Liabi ity or Para-mage ltion:graph of Sect Co erage Per-2.e. I Bion v

"Personal and adver injury means "personaltising " sonal and Ad ising In L l , suchvert jury iabi ityinjury or "ad t jury"" ver ising in . payments wil not be dee to be dal med mages

because of "bod in " "property damage"ily jury ,B. AMENDMENT O C TRACTUAL LIABILI YF ON Tor "personal injury", and wil not reduce thelEXCLUSI EXCE T FOR DAMAGESON P IONli i fm ts o insurance.BECAUSE OF PERSONAL INJURY ASSUMED

BY NAMED INSURED IN AN INSURED CON- 3. The fol replaces the f paragraph oflowing irstTRACT Paragraph o the de ini ion o " con-f. f f t f insured

tract" the Sectin ion:DE I IONSFIN T1. e. Con-The fo lowing is added to Exc ,l lusiontractual Lia ity 2. SEC- f.bil , in Paragraph of That part o any other contrac or agree-f tT ON I COVERAGES CO BI VERAGE ment perta to your business (includ-iningPERSONAL AND ADVERT G INJURYISIN ing an indemni i ion of a munic li inf cat ipa tyLIABILI YT : connection with work perfor ed for am

mun ipal under which you assume theic ity)This exc also does not apply to l llusion iabi itytort l l y o another party to pay foriabi it ffor da because of "personal in " as-mages jury"bodily in ", "propert da " or "per-jury y magesumed by you in a contrac or agreemen thatt tsonal injury" to a th party or organiza-irdis an "insured contract , pro i that the" v dedtion. Tor l li means a l l thatt iabi ty iabi ity"personal injury" is caused by an offensewould be imposed by law in the absencecom i subsequent to the execut om tted ion f theof t or .any contrac agreementcontract or agreement. Sole for the pur-ly

poses of l il y assumed by you in an " n-iab it i C. AMENDMENT F TH LUSIO O ER EXC ONSsured contract", reasonable attorney fees and 1. b MaterialThe fo replaces E lusion ,llowing xc .necessary lit e s incurred by origation xpense Pub hed Wit Kn led Of Falsitylis h ow ge , infor a party other than an insured will be Paragraph of2. SEC ON I COVERAGESTIdeemed to be damages because of "personal COVERAGE B PERSONAL AND ADVER-injury , v that:" pro ided T ING LIABILI YIS INJURY T :(1) Liabi ty to such party for, or for the costli b. Material P lishe Wit K wle Ofub d h no dge

of that party's defense has also been as-, Falsitysumed by you in the same "insured con-

"Personal injury" or "ad ert in "v ising jurytract"; andarising out o ora or wri publ ion,f l tten icat

(2) Such attorney fees and li ga eti tion x- includ publ ion by elec c means,ing icat tronipenses are for defense of that party of m ial i done by or at the direc ionater , f tagainst a ci i or a i e d reso-v l lternat v ispute of the insured with knowledge of its fal-lut proceeding in which da toion mages sity.which this insurance applies are alleged.

2. c. MaterialThe fol replaces Exc ,lowing lusionPub hed Pri To P icy Periolis or ol d, in Para-

CG D4 71 02 09 © 2009 The Travelers Companies, Inc. Page 1 o 4fIncludes copyrighted material of Insurance Services Office, Inc. with its permission.

COMMERC GENERAL L LIAL IABI ITY

graph of2. SEC ON I COVERAGES PERSONAL AND ADVERT G INJURYTI ISINCOVERAGE B PER AND ADVER- LIABILI YSONAL T :T ING LIABILI YIS INJURY T : i. Intel Prolectual pertyc. Material P lishe Or Used Pri Tub d or o "Personal injury" or "ad ert in "v ising jury

Pol odicy Peri arising out of any actual or a in-lleged(1) "Personal injury" or "ad tising in-ver f ment or v lat o any of the foringe io ion f l-

jury" ar out o oral or writ pub- lowing rights or laws, or any other "per-ising f tenli ion, includ publi ion by elec- sonal injury" "ad er in " legedcat ing cat or v tising jury altronic means, o mater l whose fi in any c a m or "suit that also al anyf ia rst l i " legespublicat took p be the be- such inf ment v ola :ion lace fore ringe or i tionginning o the po cy perf li iod; or (1) Copyright;

(2) "Ad t injury" ar out of in-ver ising ising (2) Patent;f ment o copyr "t tle" or "slo-ringe f ight, i

(3) Trade dress;gan" in your "adver ment" whosetisef in inge in your "ad ert e-irst fr ment v is (4) Trade name;ment was com tted be the be-" mi fore (5) Trademark;ginning o the po cy perf li iod.

(6) Trade secret; or3. f. BreachThe fo lowing replaces Exclusion ,l

(7) Other inte lectual property righ orl tsOf Co 2. SEC I Intract T ON, in Paragraph oflaws.COVERAGES CO B PERSVERAGE ONAL

AND ADVERTI INJURY IABILI YSING L T : This e lusion does not apply toxc :f. Breach Of C ractont (1) "Ad r ising injury arising out o anyve t " f

actual or al in r or v o-leged f ingement i"Ad t " arising out over ising injury f a breachlat of another's copyright, "ti le" orion tof .contract"slogan" in your "ad t "ver isement ; or

4. g QThe fol replaces Ex ,lowing clusion . uality(2) Any other "personal in " or "ad er-jury vOr Performance of G ds Fail Tooo ure

tising injury al in any c i or" leged la mConf To Statemen 2.orm ts , in Paragraph of"suit" that a alleges any such in-lsoSEC ON I COV COVERAGE BTI ERAGESf ment or v lat o another'sringe io ion fPERSONAL AND ADVERT G INJURYISINcopyright, " it " or "slogan" in yourt leLIABILI YT :"ad isemen ".vert t

g. Qual Or Perf Of G odsity ormance o7. j IThe fo lowing replaces Exclusion ,l . nsuredsFail T on T Statementsure o C form o

In Med And Inter Ty B nessesia net pe usi , in"Ad t injury" ar out of the faiver ising ising l- Paragraph of2. SEC ON I COVERAGESTIure of goods, products or serv to con-ices COVERAGE B PERSONAL AND ADVER-for with any state o quali or per-m ment f ty T ING LIABILI YIS INJURY T :for ance in your "ad t "m made ver isement .

j. Insure I Med And I Tds n ia nternet ype5. h. WroThe fol replaces E lusion ,lowing xc ng Businesses

Descriptio Of Prices 2.n , in Paragraph of"Personal injury" or "ad ert in "v ising jurySEC ON I COV COVERAGE BTI ERAGESarising out of an of ense com itted by anf mPERSONAL AND ADVERT G INJURYISINinsured whose business is:LIABILI YT :(1) Ad tising, "broadcasting" or pub-verh. Wrong on f PricesDescripti O

lishing;"Ad t injur " arising out o thever ising y f

(2) Designing or determ ing content oin fwrong description o the price o goods,f fweb-sites for others; orproducts or ser ces stated in your "ad-vi

v tise ".er ment (3) An Internet search, access, contentor ser ce pro idervi v .6. i. IThe fo replaces E lusion ,llowing xc n-

fringeme Of C ght Patent Trade-nt opyri , , This ex does not apply to Para-clusionmark, Or Trade Secret 2., in Paragraph of graphs and of the de ini iona.(1), (2) (3) f tSEC ON I COV COVERAGE BTI ERAGES of "personal in "jury .

For the purposes of xcthis e lusion:

Page 2 o 4f © 2009 The Travelers Companies, Inc. CG D4 71 02 09Includes copyrighted material of Insurance Services Office, Inc. with its permission.

COMMERC GENERAL L LIAL IABI ITY

(1) Creating and producing correspon- person or organization that i hacla ms to vedence written in the conduct of your been slandered or libeled, or that cla msibusiness, bulletins, f l or an- to ha had i goods, products or ser-inancia ve tsnual reports, or newsletters about v ces disparaged;iyour goods, products or serv willices (2) Oral or written publi ion, inc pub-cat ludingnot be considered the business of li ion by e ic f ater incat lectron means, o m ialpublishing; and your "ad t ement" :ver is that

(2) The plac o fra borders oring f mes, (a) Appropriates a person's name, v ice,olinks, or ad t for you or othersver ising, photograph or li s;kenesanywhere on the Internet will not, by

(b) Unreasonably places a person in aitsel , be considered the business offfa ight;lse l orad ising, "broadcasting" or publ h-vert is

ing. (c) Discloses infor at about a per-m ionson's pri te fva li e; or8. (2)The fol replaces Paragraph of Elowing x-

clusion , , in Paragraphn. P lut n-Relatedol io (3) In ingement o copyr , " tle or "slo-fr f ight ti "2. SEC I I COVERAGES COVER-of T ON gan" in your "adver ment", pro itise v dedAGE B PERS AND ADVERTISONAL ING that the clai is made or the "suit" ismINJURY L TIABILI Y: brought by a person or organization that

clai ownership of such copyr "t le"ms ight, it(2) Clai or suit by or on behal o a go n-m f f veror "slogan".menta author because of testing fl ity or,

mon ing, c up, re v ng, con-itor leaning mo i b. Includes "bodily in " caused by one orjurytain treat deto f ing or neutraliz-ing, ing, xi y more o the o fenses described in Paragraphf fing, or in any way responding to, or as- a. abo .vesessing the e fec f, "pol ".f ts o lutants "Broadcasting" means transmit any audio orting

D. AMENDMENT F WHO AN INSUREDO IS v mater l r any purpose:isual ia fo

a. By radio le isor te v ion; orThe fol replaces the in phrase oflowing troductoryParagraph o2.a.(1) SEC ION II WHO IS ANf T b. In, by or with any other electronic means ofINSURED: com icat such as the Internet, i thatmun ion, f(1) "Bodi injur " or "personal in "ly y jury : ma l fteria is part o :

(1) Radio or te v progra m bele ision m ing ingE. AMENDMENT F MI S INSURANCEO LI T OFtransmitted;The fol replaces Paragraph oflowing 4. SEC IONT

(2) Other enterta ment, educat , instruc-in ionalIII LIM TS FI O INSURANCE:tional music or news programm being, ingSubject to abo , the Personal and Adver ising2. ve ttransmi ortted;Injury Li i is the most we wil pay under Cover-m t l

(3) Ad tising transm ted with any o suchver it fage for the sum o a da because of alB f ll mages lprogram ing.m"personal injury" and "ad ising in " sus-vert jury

tained by any one person or organization. "Personal in ":juryF. ADDITI INI IONAL DEF T ONS a. Means injury, other than "ad tising injur ",ver y

caused by one or more o the fo of llowing f-The fo is added to the Sec-llowing DE I IONSFIN Tfenses:tion:(1) False arrest, detent i isonmention or mpr ;"Ad t jury"ver ising in :(2) Mal ious prosecution;ica. Means injury, other than "personal injury",

caused by one or more o the fo of llowing f- (3) The wrongful e i tion ro , wrongfulv c f m entryfenses: into, or in asion o the righ o pri ate oc-v f t f v

cupancy of a room dwelling or prem, ises(1) Oral or written publi ion, inc pub-cat ludingthat a person occupies, pro that thevidedli ion by e ic f ater incat lectron means, o m ialwrongful e ic wrongfu entry or in a-v tion, l vyour "ad isement that slanders or li-vert "sion of the right o pr v occupancy isf i atebels a person or organization or dispar-com i by or on behal o the owner,m tted f fages a person's or organization's goods,landlord or lessor of that roo dwellm, ingproducts or serv pro ided that theices, vor premises;clai is made or the "suit is brought by am "

CG D4 71 02 09 © 2009 The Travelers Companies, Inc. Page 3 o 4fIncludes copyrighted material of Insurance Services Office, Inc. with its permission.

COMMERC GENERAL L LIAL IABI ITY

(4) (c)Oral or written publi ion, inc pub- Discloses infor at about a per-cat luding m ionli ion by electronic means, of mater son's pri te fcat ial va li e.that slanders or libels a person or organi- b. Includes "bodily in " caused by one orjuryzation or d s a person's or or-isparage more o the o fenses described in Paragraphf fganization's goods, products or services, a. abo .vepro ided that the c i is made or thev la m

"Slogan":"suit" is brought by a person or organiza-tion la ms to ha e been slandered orthat c i v a. Means a phrase that others use for the pur-libe or that c ms to ha e had itsled, lai v pose of attract at in the ad ert s-ing tention ir v igoods, products or serv disparaged;ices ing.or b. Does not include a phrase used as, or in, the

(5) Oral or written publi ion, inc pub-cat luding name o :fli ion by electronic means, of matercat ial (1) Any person or organization, other thanthat: you; or(a) Appropriates a person's name, v ice,o (2) Any business, or any of the pre ises,m

photograph or li s;kenes goods, products, serv or work, of anyices(b) Unreasonably places a person in a person or organization, other than you.

fa ight;lse l or "T le" means a na f li art work.it me o a terary or istic

Page 4 o 4f © 2009 The Travelers Companies, Inc. CG D4 71 02 09Includes copyrighted material of Insurance Services Office, Inc. with its permission.

COMMERC AL IABILI GENERAL L ITY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM

This endorsement i ies insurance pro ided under t folmod f v he lowing:

COMMERC GENERAL L ITY VERA AIAL IABIL CO GE P RTLIQUOR ILI OVERA PARTLIAB TY C GEO NER AND C ACT OT IVE L LITY C AGE TW S ONTR ORS PR ECT IABI OVER PARPOLLUTI IABIL CO GE PON L ITY VERA ARTPRODUCTS PLETED PERA ONS LI TY COVERA PART/COM O TI ABILI GERAILROAD TECT LIAB TY C GE RTPRO IVE ILI OVERA PAUNDERGROUND S ORAGE ANK PT T OLICY

I aggregate insured losses attributable to terror ant to the federal Terror R Insurance Act. Thef ist ism iskacts certi ied under the federal Ter m Risk Insur- criter contained in the Terror R Insurance Actf roris ia ism iskance Act exceed $100 bill in a Program Year for "cer i ied act f rror " lude foion a t f o te ism inc the llowing:(January 1 through December 31) and we have met 1. The act resulted in insured losses in excess of $5our insurer deductible under the Terroris Risk Insur-m

m l le to all ti lion in the aggregate, attributab ypes ofance Act, liab for pay owe shall not be le the ment f anyinsurance subject to the Terror m R sk Insuranceis iportion o the a o such losses that exf mount f ceedsAct; and$100 bill and in such case insured losses up toion,

that amount are subject to pro rata allocat in ac-ion 2. The act is a io or an act that sv lent act is dangeroucordance with procedures established by the Secre- to human li e, property or in and isf frastructuretary o thef Treasury. com i by an indi i or indi i as partm tted v dual v duals

of an ef ort to coerce the ci i ian populat of thef v l ion"Certi ied ac o terror m" means an act that is certf t f is i-United Sta or to in luence the pol or a ftes f icy f ectf by the Secretary o the Treasury, in concurrenceied fthe conduct o the Un States Go men byf ited vern twith the Secretary o S and the A Generalf tate ttorneycoercion.of the Un S to be an act o terroris pursu-ited tates, f m

CG 21 70 01 08 IS Propert , 2007 Page 1 oO ies, Inc. f 1

X-660-823X853A-TCT-13 10-22-12

.

COMMERCIAL GENERAL LIABILITY

POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CHARITY FIRST AMENDMENT OF COVERAGEWHO IS AN INSURED

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

Name Of Person Or Organization (Additional Insured):

Designation Of Premises (Part Leased to You)

WHO IS AN INSURED (Section II) is amended to tion, in consideration for funding or financialinclude as an insured: contributions you receive from them;

A. Your members and volunteers but only with 3. The ownership, maintenance or use of thatrespect to their liability for your activities or ac- part of a premises leased to you; ortivities they perform on your behalf; 4. "Your work" for that insured by or for you.

B. Your trustees or members of the board of gover- As respects Part C.3. above, this insurance doesnors while acting within the scope of their duties not apply to:as such on your behalf; and

(a) Structural alterations, new constructionC. Person(s) or organization(s), whether or not or demolition operations performed by

shown in the Schedule above, but only with or on behalf of the person(s) or organiza-respect to their liability arising out of: tion(s); or1. Their financial control over you; (b) Any "occurrence" which takes place after2. Their requirements for certain performance you cease to be a tenant in that

placed upon you, as a non-profit organiza- premises.

GN 01 88 01 96 Copyright, Travelers Indemnity Company. Page 1 of 1

COMMERC GENERAL L ITYIAL IABIL

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

OTHER INSURANCE ADDITIONAL INSUREDS

This endorsement i ies insurance pro ided under t folmod f v he lowing:

COMMERC GENERAL L ITY VERA AIAL IABIL CO GE P RT

PROVI ONS b.SI The "personal injury" or "ad ert jury" forv ising inwhich co is sought arises out of an overage f-COMMERC GENERAL LIA TY CONDI ONSIAL BILI TIfense co m tedm it(Sect ), Paragraph ( ) ision ,IV 4. Other Insurance

amended as lows: subsequent to the signing and execut o thatfol ion fcontract or by youagreement .1. a. PrimaryThe fol is added to Paragraphlowing

Insura 2. (2) b. Ex-nce: The fi Subparagraph of Paragraphrstcess Insurance regarding any other pr mary in-iHowe i you speci ica y agree in a n-ver, f f ll written cosurance ava lable is deleted.i to youtract or written agree that the insurance pro-ment

3. b. ExcessThe fo lowing is added to Paragraphlv ded to an addit onal insured under thisi iInsurance , as an additional subparagraph underCo Part must apply on a primary basis, orverageSubparagraph :(1)a pri and non-contributory basis, this insur-mary

ance is pri ry to other insurance that is a aima v l- That is a lable to the insured when the insuredvaiable to such additional insured which co suchvers is added as an additional insured under any otheradditiona insured as a named insured, and wel policy inc ding any mbrel e, lu u la or xcess policy.will not share with that other insurance, providedthat:

a. The "bodily injur " or "property damage" forywhich co is sought occurs; andverage

CG D0 37 04 05 Copyright 2005 The . Pau Tra elers Co . l ts reserved. Page 1 o 1St l v mpanies, Inc Al righ f

COMMERC GENERAL L ITYIAL IABIL

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

XTEND ENDORSEMENT

This endorsement i ies insurance pro ided under t folmod f v he lowing:

COMMERC GENERAL L ITY VERA AIAL IABIL CO GE P RT

GENERAL DESCRIP I O CT ON F OVERAGE Th endorsement broadens co ge. The fo lowing list is ais vera l inggeneral co description only. L m ions and exclusions may apply to these coverages. Read all theverage i itat PRO-VISIONS o this endorsement care l to deter ine r hts, duties, and what is and is not vef fu ly m ig co red.

A. Broadened Named Insured I. Injury -E loyees and Co-Volunteerto Co mpW rkersoB. Damage m x nsionTo Pre ises Rented To You E te

J. Aircra t Char ith Crewf tered wPer ls of f e l ing, si ire, xplosion, ightn moke, waterK. Non-Owned fWatercra t IncreasedLi i increased to $300,000m t

f m 25 t feetro fee to 50C. Blanket a v f atW i er o Subrog ion

L. Increased Supplementary mentsPayD. Blanket tional Managers orAddi Insured

Cost i ncreased to $2,500for ba l bonds iLessors of P misesreLoss of earnings increased to $500 per day

E. Blanket tional Lessor ofAddi InsuredKnowledge and Notice o OccurrencefM.Leased Equipmentor O ff ense

F. Incidenta ica lpractl Med l Ma iceUnintent O issionional mN.G. Personal Injury Assumed by ContractReasonable Force Bod ly ori InjuryO.H. Ex f Co erage Bod lytension o v i InjuryProperty Damage

PROVI ONSSI B. DAMAGE T PREM REN ED T YOUO ISES T OEX IONTENSA. BROADENED NAMED INSURED1. The last paragraph of CO E A. BOD-VERAG1. 1.The Named Insured in Ite o the Declara-m f

ILY INJURY AND PROPER DA E LI-TY MAGtions is as lows:folABILI ( ion Co is deleTY Sect verages) tedI

The person or organization na in I mmed te 1. and replaced by the olf lowing:of the Declarat and any organization,ions

Ex through do not appl to daclusions y m-c. n.other than a partnership or jo ture, o erint ven vage to premises while rented to you, or tem-which you main ownership or majori in-tain typorarily occupied by you with per ission ofmterest on the e fec i e date o the po cy.f t v f lithe owner, caused by:Howe co erage for any such organizationver, v

will cease as of the date dur the po icy pe-ing l a. Fire;riod that you no longer maintain ownership of,

b. Explosion;or it interest ion.major y in, such organizatc. Lightning;2. II 4.a.W O IS AN INSURED (Sec ) IteH tion m

is deleted and rep fo lowing:laced by the l d. S ing m ire, xplosion,moke result fro such f eor l ing; orightna. Co under this pro is af ordedverage vision f

only unti the 180th day af you acquirel ter e. W ter.aor for the organiza or the end o them tion f

A separate li i o insurance applies to thm t f ispolicy period, whiche er is earlier, unlessvco as described in LIMI O INSUR-verage TS Freported in writ to us within 180 days.ingANCE (Sect ).ion III

3. A.This Pro is does not apply to any per-v ion2. This insurance does not apply to damage toson or organization for which co erage is ex-v

prem while rented to you, or temporariises lycluded by endorsement.

CG D1 86 11 03 Copyright, Tra elers Inde ity mpany, 2003 Page 1 o 5The v mn Co f

COMMERC GENERAL L ITYIAL IABIL

occupied by you with per ission of them COVERA A. BOD INJURY ANDGE ILYowner, caused by: PROPER GE LIAB TY (SectTY DAMA ILI ion I

Co cluded by ndorsement.verages) is ex ea. Rupture, bursting, or operat o pres-ion fsure relie de ices;f v C. BLANKET WAIVER SUBRO IONOF GAT

b. Rupture or bursting due to expansion or W wai any r o reco y we may hae ve ight f ver veswelling o the contents of any build orf ing against any person or organization because ofstructure, caused by or resulting fro wa-m payments we make for in or da arjury mage isingter; out of pre ises owned or occupied by or rentedm

or loaned to you; ongoing operations performedc. Exp osion of stea boi steam pipes,l m lers,by you or on your behalf done under a contract,steam engines, or stea turbines.mwith that person or organizat "your work"; orion;

3. 6.Part o LIM S O INSURANCE (Sec ionf IT F t "your products". W wai this r where youe ve ightIII) is deleted and replaced by f lowing:the ol ha so as part of a written contract,ve agreed to doSubject to abo e, the Da To Pre5. v mage m- executed by ior loss.you pr toises Rented To You Li i is the most we willm t D. BLANKET ADDI IONAL INSURED MANAG-Tpay under COVERAGE A. fo da be-r mages ERS OR SSOR OF ISESLE S PREMcause of "property da " to any one premage m-

W O IS AN INSURED (Sec ion ) is amended toH t IIises while rented to you, or te i occu-mporar lyinclude as an insured any person or organizationpied by you with per ission of the owner,m(re to below as "additiona insured") withferred lcaused by fire e l ing, smoke, xplosion, ightnwhom you have agreed in a written contract exe-,resulting fro such f e losion, or l t-m ire, xp ighcuted prior to loss, to name as an additional in-ning, or water. The Damage To Pre isesmsured, but only with respect to liabi ity ar outl isingRented To You Li it wi apply to a l dam ll l mageof the ownership, maintenance or use of that partprox mate caused by the same "occur-i lyof any pre ises leased to you, subject to the fom l-rence", whether such damage results fromlowing pro isions:vf , exp ightning froire losion, l , smoke resulting m

such fire, e losion, or l ing, or water, orxp ightn 1. Li its of Insurance. The li its of insurancem many co at f fmbin ion o any o these. af orded to the addit insured shall be thef ional

li i which you agreed to prov or the l m-m ts ide, iThe Damage To Prem Rented To Youisesits shown on the Declarations, whiche isverLi it wi l be fm l the higher o :less.

a. $300,000; or2. The insurance af to the addi l in-forded tiona

b. The amount shown on the Declarations sured does not apply to:for Da To Pre ises Rented To Youmage m

a. Any "occurrence" that takes place afterLi it.myou cease to be a tenant that pre ises;in m

4. VUnder DEFINI ONS ( ion ), ParagraphTI Sectb. Any pre for which co erage is ex-mises va. of the de it o " contract" isfin ion f insured

cluded by endorsement; oramended so that it does not include that por-tion o the contrac fo a lease of pre isesf t r m c. Structura altera new construction orl tions,that inde i ies any person or organizationmn f demo tion operations perfor by or onli medfor da to pre ises while rented to you,mage m behalf f itiona insured.o such add lor temporar ly occupied by you with perm s-i i 3. The insurance af to the addi l in-forded tionasion of the owner, caused by: sured is excess over any va id and col iblel lecta. Fire; insurance ava lab to such additional in-i le

sured, unless you have agreed in a writtenb. Explosion;contract for th insurance to apply on a pri-is

c. Lightning; mary ributor asis.or cont y bd. S ing m ire, xplosion,moke result fro such f e E. BLANKET ADDIT INSURED LESSORIONAL

or l ing; orightn OF QUIP TLEASED E MENe. W ter.a W O IS AN INSURED (Sec ion ) is amended toH t II

5. B.This Pro is n does not apply i co eragev io f v include as an insured any person or organizationfor Da To Pre Rented To You ofmage mises (re to below as "additiona insured") withferred l

Page 2 o 5 Copyright, Tra elers Inde ity mpany, 2003f The v mn Co CG D1 86 11 03

COMMERC GENERAL L ITYIAL IABIL

whom you have agreed in a written contract exe- for which no re is demanded, munerationor recei ed.vcuted prior to loss, to name as an additional in-

sured, but only with respect to their liabi ity arl ising 3. 2.a.(1)(d)Paragraph o W O IS AN IN-f Hout o the ma tenance, operat or use by youf in ion SURED (Section ) does not apply to anyIIof equip t leased to you by such additiona in-men l registered nurse, licensed practical nurse,sured, subject to f lowing pro isions:the ol v emergency med technic or paraical ian medic1. Li its of Insurance. The li its of insurance emp by you, but only while per mm m loyed for ing

af orded to the addit insured shall be the the serv described in paragraph abovef ional ices 2.li i which you agreed to prov or the l m- and while act with n the scope of the em ts ide, i ing i ir m-its shown on the Declarations, whiche is ploy by you. Any "e loyees" renderingver ment mpless. "Good Samar tan serv " will be deemed toi ices

be acting with the scope o the e loy-in f ir mp2. The insurance af to the addi l in-forded tionament by you.sured does not apply to:

4. The lowing e is added to paragraphfol xclusiona. Any "occurrence" that takes place after2. Exc of COVERA A. BODILYlusions GEthe equip lease expment ires; orINJURY AND PROPERT DAMAG LIABIL-Y E

b. "Bodi in " or "propert da " aris-ly jury y mage ITY ct Co erages):(Se ion vIing out of the sole negligence of such ad-

(This insurance does not apply to:) Liabi ityldit insured.ionalarising out of the will ul v o ion o a penalf i lat f

3. The insurance af to the addi l in-forded tiona statute or ordinance relating to the sale ofsured is excess over any va id and col iblel lect pharmaceut by or with the knowledge oricalsinsurance ava le to such additional in-ilab consent of insured.thesured, unless you have agreed in a written

5. For the purposes of deter ing the appl a-min iccontract for th insurance to apply on a pri-isble l m of insurance, any act or omission,i itsmary ributor asis.or cont y btogether with all related acts or omissions in

F. INCIDEN EDICAL MALPRACTTAL M ICE the furn hing of the ser ices described inis v1. 2.The de it o "bodi injury in DEF I- paragraph above to any one person, wilfin ion f ly " IN l be

considered one "occurrence".TI (Sect ) is amended to include "In-ONS ion Vcidental ical lpract Injury"Med Ma ice . 6. F.This Pro ision does not apply i you are inv f

2. The fo de ini ion is added to DEF I- the business or occupation of v ing any ollowing f t IN pro id fTI t ): the ser ices described in paragraph abo e.ONS (Sec ion v vV 2.

"Incidenta med m ti in " means The insurance pro by this Pro isionl ical alprac ce jury vided v7. F.bodily in menta anguish, sickness or dis- shall be excess over any other va and col-jury, l lidease sustained by a person, inc death lect insurance a i to the insured,luding ible va lableresulting fro any of these at any time aris- whether primary e contingent or onm , , xcess,ing out o the rendering o or fa lure to ren- any other basis, except for insurance pur-f f, ider, the fo lowing ser ices:l v chased specif l by you to be excess ofica ly

this pol .icya. Medical l, x-ray, surgical, denta laboratory,or nursing serv or treat ad i orice ment, v ce G. PERSONAL INJURY ASSUMED BY CON-

TRACTinstruction or the rela furnishing o, ted ffood or ve ages;be r 1. Contractua Lia lityThe E lusion in Partl bi xc

b. 2. Excl onsThe furn or dispensing of drugs or , o C GE B. PER-ishing f OVERAusimed , denta or surgical supplies or SONAL AND ADVER SING ABIL-ical l, TI INJURY LIappliances; or ITY (Sect Co erages) is deleted andion vI

replaced by the following:c. First aid.(This s not apply toinsurance doe :)d. "Good Samar ser ices". As used initan vContractua Liab ityl ilthis Pro ision , " Samar ser-v Good itanF.

v ces" are those medica ser ces ren-i l vi "Ad t injury for which the insured hasver ising "dered or provided in an emergency and assumed liab i in a contract or agreeil ty ment.

This exc does not apply to liab i forlusion il ty

CG D1 86 11 03 Copyright, Tra elers Inde ity mpany, 2003 Page 3 o 5The v mn Co f

COMMERC GENERAL L ITYIAL IABIL

damages that the insured would ha in the Subparagraphs , and andve 3. 2.a.(1)(a) ( (c)b)absence of t o agreethe contrac f ment. 3.a. Io W IS AN INSURED (Sec ) dof HO tion I

not apply to "bod y " for whichil injury insurance2. f.Subparagraph of the de ini ion o "f t f insuredis pro ided by paragraph or abo .v ve1. 2.contract" (DE IT Sec ) is de-FIN IONS tion V

leted and rep folaced by the llowing: J. AIRCRAFT ICHARTERED W TH CREW

f. 1.That part o any other contrac or agree- The fol is added to the e ions con-f t lowing xceptment perta to your business (includ- tained in theining Aircraft, Auto Or Watercrafting an indemni i ion of a munic li in Ex in Part , o COVER-f cat ipa ty clusion f2. Excl nsusioconnection with work perfor ed for a AGE A. B INJURY AND PROPERm ODILY TY

DAMAGE BILI (Sect Co erages):LIA TY ion vImun ipal under which you assume theic ity)tort l i it o another party to pay foriab l y f (This e lusion does not apply to:) A fxc ircra t"bodily in " "propert da " or "per-jury, y mage chartered with crew to any insured.sonal injury" to a th party or organiza-ird

2. JThis Pro ision does not apply i the char-v f.tion. Tor l li means a l l thatt iabi ty iabi itytered aircra tf is owned by any insured.would be imposed by law in the absence

of t or .any contrac agreement 3. J.The insurance prov by this Pro isionided vshall be excess over any other va and col-lid3. GThis Pro is does not apply i C R-v ion f OVE.lect insurance a i to the insured,ible va lableAGE B P AND ADVER SING IN-. ERSONAL TIwhether primary e , contingent or on, xcessJURY LIABIL is exc by endorse-ITY ludedany other basis, except for insurance pur-ment.chased specif l by you to be excess ofica ly

H. EX ION OF C BODI IN-TENS OVERAGE LY this pol .icyJURY

K. NON-OWNED WATERCRAFTThe de it o "bodi in " (DEF TIfin ion f ly jury INI ONS

1. (2)The except contained in SubparagraphionSection ) is deleted and rep by the fo w-V laced lloof the Exc u-Aircraft, Auto Or Watercraft ling:sion in Part , o GE A.2. Exclusions f COVERA

"Bodi in " means bodily injury menta an-ly jury , l BODILY OPERT GEINJURY AND PR Y DAMAguish, menta in , shock, f , disabi ty, hu-l jury right li LIABILI ( ion Co erages) is deletedTY Sect vIm l ion, sickness or disease sustained by a per-i iat and replaced by the olf lowing:son, including death resulting m any ofro f these at

(2) A watercraf not own thatt you do is:any ti e.m(a) Fi ty feet less; andf long orI. INJURY T CO EMP YEES AND CO-O - LO

VOLUN EERT WORKERS (b) Not being used to carry persons orproperty charge;for a1. Your "emp " are insureds with respectloyees

to "bodi injury to a co- e " in the This Pro ision applies to any person who,ly " " mployee v2. K.course of the co- e " e y ent by with your expressed or imp ied consent, either" mployee's mplo m lyou, or to your " teer workers" while per- uses or is responsible for the use of a water-volun

craft.for ing dut related to the conduct o yourm ies fbusiness, prov that th co yourided is verage for 3. K.The insurance prov by this Pro isionided v"emp " does not apply to acts outsideloyees shall be excess over any other va and col-lidthe scope of the mp mentir e loy by you or while lect insurance a i to the insured,ible va lableperfor ing duties unrelated to the conduct ofm whether primary e contingent or on, xcess,your business. any other basis, except for insurance pur-

2. Your " lunteer workers" are insureds with chased specif l by you to be excess ofvo ica lythis pol .icyrespect to "bodily in to a co- vjury" " olunteer

worker" while per m duties related to thefor ing L. INCREASED SUPPLE TARY PAYMENMEN TSconduct o your business, or to your "e loy-f mp

Parts and of SUPPLEMEN PAY-b. d. TARYees" in the course of the "emp em-loyee's"MENTS C RA A AND B (SectOVE GES ion Iploy by you, pro ided that th coment v is verageCo rages) are amended as lows:ve folfor your " o workers" does not applyv lunteer

while perfor ing dut unrelated to the con- In Part the a we will pay for the costm ies mount1. b.duct o your business. of l bonds is increased to $2500.f bai

Page 4 o 5 Copyright, Tra elers Inde ity mpany, 2003f The v mn Co CG D1 86 11 03

COMMERC GENERAL L ITYIAL IABIL

2. d.In Part the a we will pay fo loss of which you are required to noti us in writmount r fy ingearnings is increased to $500 a day. of the abrupt co mence o a discharge,m ment f

release or escape of "pollu ants" whichtM KNOWLEDG AND NOT CE O OCCUR-. E I Fcauses "bodily injury" or "property damage"RENCE OR FFENO SEwhich may otherwise be co under thisvered

1. The fo lowing is added to COMMERCIALl policy.GENERAL LIAB TY CONDI ONS (Sec ionILI TI t

N. UNIN T OM ONTEN IONAL ISSIIV 2.), paragraph (Duties In The E ent o Oc-v fcurrence, O f i or Su :f ense, Cla m it) The fo lowing is added to COMMERCIAL GEN-l

ERAL LIABILI CONDI ONS (Sect ),TY TI ion IVNotice o an "occurrence" or o an o fensef f fparagraph (Representations):6.which may result in a c m under th insur-lai is

ance shall be gi on as practicable a The unintentiona om of, or unintentven as so f- l ission ionalter knowledge of the "occurrence" or o fense error in, any in mat pro ided by you shall notf for ion vhas been reported to any insured listed under prejudice your r under this insurance. How-ightsParagraph of Sect W Is An In- e this Pro ision does not af t our right to1. II N.ion ho ver, v fecsured or an "employee" (such as an insur- collec addi l pre iu or to e ise our rightt tiona m m xercance, loss control or risk manager or admin s- of cancel ion or nonrenewal in accordance withi lattrator) designated by you i e such notto g v ice. applicab state insurance laws, codes or regula-le

tions.Knowledge by other "employee(s)" o an "oc-fcurrence" or o an o fense does not i thatf f mply O. REASONABLE FORCE BODIL INJURY ORYyou also have such knowledge. PROPER Y DAMAGET

2. Expected Or Inte d InNotice shal be dee pro i gi in The E clusion inl med mpt f ven xnde jurygood fai as soon as practicable to your Part , o CO GE A Bth f VERA . ODILY2. Excl onsusiworkers’ compensation insurer. This applies INJURY AND PROPERT DAMAG LIABILIY E TYonly i you subsequently gi not to us as (Sect Co erages) is deleted and replacedf ve ice ion vI

by the lfo lowing:soon as practicable af any insured listedterunder Paragraph of Sect W Is An1. IIion ho (This es not apply toinsurance do :)Insured or an "employee" (such as an insur-

Expected nten I ury or Damageor I ded njance, loss control or risk manager or admin s-itrator) designated by you to gi such notice "Bodi in " or "property da " e orve ly jury mage xpecteddisco that the "occurrence" o fense or intended fro the standpoint o the insured. Thisvers , f m fclai ma in ol e is polim y v v th cy. exc does not apply to "bod y injur " orlusion il y

"property da " result fro the use o rea-mage ing m f3. M.Howe th Pro ision does not apply asver, is vsonable to protecforce t persons or property.respects the specif nu o days withinic mber f

CG D1 86 11 03 Copyright, Tra elers Inde ity mpany, 2003 Page 5 o 5The v mn Co f

CO MERCI GE LIAB TYM AL NERAL ILI

T S ENDORSEMENT NG S T . SE READ T CAREF Y.HI CHA E HE POLICY PLEA I ULL

AMENDMENT NON CUMULATION OF EACHOCCURRENCE LIMIT OF LIABILITY and

NON CUMULATION OF PERSONAL and ADVERTISINGINJURY LIMIT

T endorsem m i i ur ov ded under f l ihis ent odif es ns ance pr i the ol ow ng:

CO ERCIA ENERA ABI Y ERAG PARTMM L G L LI LIT COV E

1. 2.Paragraph 5 of SECTION III LIMITS OF INSUR- Paragraph 4 of SECTION III LIMITS OF INSUR-ANCE, s am to ncl he f owi ANCE, s am to ncl he f owii ended i ude t oll ng: i ended i ude t oll ng:

Non cum i of O urrence Lim t - If one Non cum ati of Personal and Adv ti i Li itulat on Each cc i - ul on er s ng m"oc e" causes "bodi y i ury" and/or "pr - I "personal i y" and/or " ert i y" icurrenc l nj op f njur adv ising njur sert dam dur t pol cy peri and duri sust ned by any one person or organi ion dury age" ing he i od ng ai zat -the cy od of m pri or ut i the pol cy peri and duri t poli peripoli peri one or ore or and/ f ure ng i od ng he cy odpol ies that i ude a c m al general l abi t of one or m pri and/ f ure pol ci thatic ncl om erci i li y ore or or ut i escov age part f the insured i sued by us or any i ude a c m al general li l y cover or s ncl om erci abi it erageaf i at i uranc com t am we wil part f the i ured i sued by us or any af i iatf li ed ns e pany, he ount l or ns s f l edpay i li it hi poli ’s E currenc Li it i urance com t am we wi l pay is m ed. T s cy ach Oc e m ns pany, he ount l swi be reduced by t am of each paym l i T pol cy’s Personal Inj and A ert -ll he ount ent im ted. his i ury dv ism by us and any af il ated i urance com i Inj Li it wi be reduc by the am ofade f i ns pany ng ury m ll ed ountunder the ot poli es because of such " - each pay ent m by us and any af il ated i -her ci occur m ade f i nrence" suranc com under t ot pol ci be-. e pany he her i es

cause of such "personal i ury" "adv ti inj and/or er s ngi y".njur

CG D2 9703 12 Copy ght, rav ers I ni Com 1997 P of 1ri T el ndem ty pany, age 1

10-22-12X-660-823X853A-TCT-13

COMMERCIAL GENERAL LIABILITY

POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY

SOCIAL SERVICE AGENCIES HIRED AND NONOWNEDAUTO EXCESS LIABILITY ENDORSEMENT

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE FORM

PROVISIONS "nonowned auto" you don’t own, hire, or bor-row in your business. Anyone else who fur-A. COVERAGEnishes that "auto" is also an insured; or

The insurance provided under Section I4. Anyone else including any partner or "execu-Coverage A Bodily Injury And Property

tive officer of yours while using with your"Damage Liability applies to "bodily injury" andpermission a "hired auto" or a "nonowned"property damage" arising out of the maintenanceauto" except:or use of a "hired auto" or "nonowned auto".a. The owner or lessee (of whom you are aB. EXCLUSIONS

sublessee) of a "hired auto" or the ownerWith respect to the insurance provided by this or lessee of a "nonowned auto" or anyendorsement: agent or "employee" of any such owner

or lessee;1. Section I CoverageThe exclusions, underA Bodily Injury And Property Damage b. Your "employee" if the covered "auto" isLiability a. b. d. e., other than exclusions , , , , owned by that "employee" or a memberf. i.and and the Nuclear Energy Liability Ex- of his or her household;clusion (Broad For are deleted and re-m)

c. Your "employee" if the covered "auto" isplaced by the following:leased, hired or rented by him or her or a

a. "Bodily injury" to any fellow "employee" member of his or her household under aof the "insured" arising out of and in the lease or rental agreement for a period ofcourse of the fellow "employee's" em- 180 days or more;ployment.

d. Any partner or "executive officer" with re-b. "Property damage" to: spect to any "auto" owned by such part-

ner or officer or a member of his or her(1) Property owned or being transportedhousehold;by, or rented or loaned to the insured;

or e. Any partner or "executive officer" with re-spect to any "auto" leased or rented to(2) Property in the care, custody or con-such partner or officer or a member of histrol of the insured.or her househ under a lease or rentaloldC. WHO IS AN INSUREDagreement for a period of 180 days or

Section II Who Is An Insured is replaced by more;the following:

f. Any person while employed in or other-Each of the following is an insured under this wise engaged in duties in connection withinsurance to the extent set forth below: an "auto business", other than an "auto

business" you operate;1. You;

g. Anyone other than your "employees",2. Any "employee" of yours is an insured whilepartners, "volunteer workers", a lessee orusing a "hired auto" or a "nonowned auto"borrower or any of their "employees",you don’t own, hire or borrow in your businesswhile moving property to or from a "hiredor your personal affairs; orauto" or a "nonowned auto"; or3. Anyone volunteering services to you is an

insured while using a "hired auto" or a

CG D2 22 11 03 Copyright, The Travelers Indemnity Company, 2003 Page 1 of 2Includes copyrighted material of Insurance Services Office, Inc., with its permission.

1,000,000

COMMERCIAL GENERAL LIABILITY

5. Any other person or organization, but only "volunteer workers", stockholders, orwith respect to their liability because of acts members of their households.or omissions of an insured under , , , or1. 2. 3. 3. "Nonowned auto" means any "autos" you do4. above. not own, lease, hire, rent or borrow that are

D. AMENDED DEFINITIONS being used in the course and scope of yourbusiness at the time of an "occurrence". ThisThe Definition of "insured contract" in Section Vincludes "autos" owned by your "employees",Definitions is amended by the addition of thepartners, "volunteer workers" or members offollowing exceptions to paragraph :f.their households but only while being used in

Paragraph does not include that part of anyf. the course and scope of your business at thecontract or agreement: time of an "occu rence".r(4) That pertains to the loan, lease or rental of an If you are a sole proprietor, "nonowned auto"

"auto" to you or any of your "employees" or means any "autos" you do not own, lease,"volunteer workers", if the "auto" is loaned, hire, rent or borrow that are being used in theleased or rented with a driver; or course and scope of your business or per-

sonal affairs at the time of an "occurrence".(5) That holds a person or organization e gagednin th business of transporting property bye F. LIMIT OF INSURANCE"auto" for hire harmless for your use of a

Regardless of the number of "nonowned autos" orcovered "auto" over a route or territory that"hired autos", claims made, or veh cles involvediperson or organization is authorized to servein any "occurrence", the most we will pay f allorby public authority.damages resulting from any one "occurrence" is

E. ADDITIONAL DEFINITIONS .$Section V Definitions is amended by the Section I Limits Of Insurance 2.II , paragraphaddition of the following definitions: (dealing with General Aggregate), and paragraph

3. (dealing with Products and Completed Opera-1. "Auto business" means the business or occu-tions Aggregate), do not apply to coverage pro-pation of selling, repairing, servicing, storingvided by this endorsement.or parking "autos".

G. ADDITIONAL CONDITION2. "Hired auto" means any "auto" you lease,hire, rent or borrow. This does not include: The insurance provided by this endorsement is

excess over any of the other insurance, whethera. Any "auto" you lease, hire or rent under aprimary, excess, contingent or on any other basis,lease or rental agreement for a period ofthat applies to "bodily injury" or "property dam-180 days or more, orage" aris out of the maintenance or use of aingb. Any "auto" you lease, hire, rent or borrow"hired auto" or "no owned auto."nfrom any of your "employees", partners,

Page 2 of 2 Copyright, The Travelers Indemnity Company, 2003 CG D2 22 11 03Includes copyrighted material of Insurance Services Office, Inc., with its permission.

COMMERC GENERAL L LIAL IABI ITY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

AMENDMENT OF COVERAGE POLLUTION COOLING,DEHUMIDIFYING AND WATER HEATING EQUIPMENT

EXCEPTION

This endorsement i ies insurance pro ided under t folmod f v he lowing:

COMMERC GENERAL L ITY VERA AIAL IABIL CO GE P RT

PROVI ONSSI

The fol replaces Paragraph o E lusio , , in Paragraph olowing f xc n f(1)(a)(i) f. P lut n 2. SEC ION I COV R-ol io T EAGES COV Y INJURY ER IABILI YERAGE A BODIL AND PROP TY DAMAGE L T :

(i) "Bodi in " i sustained within a build and caused by smoke, fu or soot produced by or origi-ly jury f ing mes, vapornating fro equip tha is used to heat, cool or dehum f the bui or equip is used to heatm ment t idi y lding, ment thatwater for personal use, by lding's occupants or tthe bui heir guests;

CG D4 13 04 08 Page 1 o2008 The Travelers Companies, Inc. f 1Includes the copyrighted material of Insurance Services Office, Inc. with its permission.

COMMERC GENERAL L ABILIAL I ITY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

NOT-FOR-PROFIT ENTITY AMENDATORY ENDORSEMENT

This endorsement i ies insurance pro ided under t folmod f v he lowing:

COMMERC GENERAL L ITY VERA AIAL IABIL CO GE P RT

GENERAL DESCRI T O CP ION F OVERAGE Th endorsement broadens co Howe ve anyis verage. ver, co rage forinjury da or medi e s described in any of the pro is of th endors xc or, mage cal xpense v ions is ement may be e ludedli i by another endorsement to this Co erage Par these coverage broadening v do not apply tom ted v t, and pro isionsthe ex that co erage is exc or li i by such an endorsement. The l ing ver-tent v luded m ted fo lowing list is a general coage description only. Li i ions and exclusions may apply to these co all the prov n-m tat verages. Read isions of this edorsement and the rest o your pol y care l to deter ine r ies, and what is and is not vf ic fu ly m ights, dut co ered.

A. F.Not-For-Pro i In i Property Da Blanket Addi l Insured Mortgagees,f t v tee mage tionaLegal Liabi it Assignees, Successors Or Recei el y v rs

B. Special v Pre iu tingE ent m m Ra G. Blanket Add ional Insured States Or Pol icait it lSubdi isions Per its Re ing To mv m lat Pre isesC. Special v Designated ProductsE ent

H. Blanket Add ional Insured States Or Pol icait it lD. Mal ious Prosecution Except Toic ionSubdi isions Per its Re ing To ionsv m lat OperatKnowing Violation O R O Anotherf ights f

Exclusion I. Blanket Addit Insured Persons OrionalOrganizat Where Required By W it Con-ions r tenE. W Is An Insured Your Liabili Forho tytract AgreeOr mentYour Conduct Of Unna Partnershipmed

Or Jo Venture ( xcess Basis)int E

PROVI ONSSI

A. NO - - FI INVI EE PRO TY DAM- (ii)T FOR PRO T T PER Rupture or bursting due to expansion orAGE LE IGAL LIABIL TY swelling o the contents of any build orf ing

structure, caused by or resulting fro wa-m1. j Dam-The fol is added to E lusion ,lowing xc .ter; orage To Pr 2. SEC-operty , in Paragraph of

T ON I COVERAGES CO A (iiiI VERAGE ) Exp of any steam bo , steamlosion ilerpipe, stea or stea turbine.m engine, mBODIL INJURY AND PROPER Y DAM-Y T

AGE LIABILI YT : 2. SECT I L M-The fo lowing is added tol ION II II O INSURANCETS F :Paragraph of is exc(4) th lusion does not apply

to "not- -pro it in i property damage"for f v tee Subject to Paragraph abo , the most we5. vecaused by fire e l ing; smoke; xplosion; ightn will pay under Co for the sum o alverage f lAresulting fro such f e losion, or l t-m ire, xp igh damages because of "not- -pro i propertyfor f tning; water; or v ism or ma ic m s-andal l ious i damage" sustained by all "not- r-pro it in ifo f v t-chief: ees" is $15,000.(a) On pre you own or rent or on waysmises 3. DE NI IThe fol are added to thelowing FI T ONS

next mto pre ises you own or rent; and Section:(b) Because of your operations. "Not- -pro it in i ":for f v teeThis e ion does not apply to "no - -xcept t for a. Includes any of your clients, customers,prof property da " caused by:it mage guests, me patrons, supportersmbers,

and " lunteer workers".vo(i) Rupture, bursting, or operation of anypressure relie v ce;f de i

CG D4 43 07 08 © 2008 The Travelers Companies, Inc. Page 1 o 4f

COMMERC GENERAL L ABILIAL I ITY

b. 2. D IN ONSDoes not include any person who is your The fo is added to thellowing EF TISection:"emp ", "te y worker" or "inde-loyee mporar

pendent contractor". "Designated products" means apparel, but-"Not- -pro it in i property damage" tons, CDs, DVDs, tapes, posters, stickers andfor f v teemeans "property da " to personal prop- other sim lar products used to promote a spe-mage i

cial v related business.e ent to yourerty owned or rented by a "not-for-pro it in-fv tee" other than any o the fol prop-i , f lowing D. MALICIOUS PROS T EXCEP I TECU ION T ON Oerty: KNOWING V LA ON O RI T O AN-IO TI F GH S F

O EXC ONTHER LUSIa. Accounts, bi currency, deeds, money,lls,notes, securities or debt uinstr ments; The fo is added to E lusion ,llowing xc a. K wino ng

b. Vio on O Rig Of Anot 2.Mechanical drawings, blueprints, docu- , in Paragraphlati f hts herments, records, manuscripts or valuable of SEC ION I COV COV BT ERAGES ERAGEpapers; or :PERSONAL AND ADVERTIS INJURYING

c. Contraband or other property in the This exc does not apply to "personal injury"lusioncourse of llega ransportation or t caused by mal ious prosecution.i l t rade. ic

B. SPECIAL EV T M RATEN PREMIU ING E. WHO IS AN INSURED YOUR LIABILI Y FORTYOUR CONDUC O UNNAMED PARTNER-T FThe fol is added tolowing SEC ION IV C M-T OSHIP OIN VEN URE ( BASIS)OR J T T EXCESSMERCIAL GEN I COND TERAL LIABIL TY I IONS:1. The fo lowing replaces the last paragraph oflSpecial Premium ngEvent Rati

SEC ON WHOTI II IS AN INSURED:a. The Not-For- f Ent A En-Pro it ity mendatory

No person or organization is an insured withdorsement inc fo wing:ludes the llorespect to the conduct o any curren or pastf t

(1) Al indoor e with less than 1000 at-l vents partnership, joint ven l m ted l lture, i i iabi itytendees and shorter than 24 hours in du- company or trust that is not shown as aration; and Named Insured in the Declarat Th sub-ions. is

(2) Al outdoor e ents with less than 500 at- paragraph does not appl iabi ty withl v y to your l litendees and shorter than 24 hours in du- respect to your conduct o the business offration. any current or past partnership or joint v n-e

ture that is not shown as a Named Insured inb. The fol e ts will be ra separatelylowing ven tedthe Co mon Po cy Dec ions.m li laratfor ional m m:addit pre iu

2. 4.b. Ex-The fol is added to Paragraph ,lowing(1) Any e that e the attendees orvent xceedscess Insurance SEC I IV C M-, of T ON Oduration described in or aboa.(1) a.(2) ve;MERCIAL GENERAL LIABIL TY C I-I OND

(2) Any parade, ir or i lfa carn va ; or T ONSI :(3) Any athlet sporting or motor v cleic, ehi The insurance is excess over any va id andl

e inc walks, runs, tournaments,vent luding collec ible other insurance, whether prit mary,demonstrations, ra ies or co it v ac-ll mpet i e excess, contingent or on any other basis,ti i ies.v t which is a ilab to you for your liab li withva le i ty

C. SPECIAL EV T D GNATED TEN ESI PRODUC S respect to your conduct o the business offany current or past partnership or joint v n-e1. The fol is added to the defin ion olowing it fture that is not shown as a Named Insured in"products-comple operations hazard" intedthe Com ic ions and which ismon Pol y Declaratthe Sec :DEF T ONSINI I tionissued to such partnership or jo venint ture.

Includes all "bodi in " and "property daly jury m-F. BLANKET ADDI IONAL INSURED - M T-T ORage" arising out of your "designated products"

GAGEES, ASSI , SUCCES ORGNEES SORSon premises you own or rent, on premisesRECEIVERSused by you for a special e t re toven lated

your business, or on the ways next to any The fo lowing is added tol SECT II WHO ISIONAN INSURED:such premises you own or rent, or use for a

special e ent.v Any person or organization that is a mortgagee,assignee, successor or recei er and that youv

Page 2 o 4f © 2008 The Travelers Companies, Inc. CG D4 43 07 08

COMMERC GENERAL L ABILIAL I ITY

ha agreed in a written contract or agreement to ownership, use, intenance , construc-ve ma , repairinclude as an addi l insured on this Co erage tion, erec ion or mo a f v ising signs,tiona v t re v l o ad ertPart is an insured, but only with respect to its l awnings, ca les,i- nopies, cellar entrances, coal hoabil as mortgagee, assignee, successor or re- dri eways, manholes, marquees, hoist awayity vcei er f "bod y injur ", "property da " "per- openings, sidewalk v ts, v street ban-v or il y mage , aul ele ators,sonal injury" "ad tising jury"or ver in that: ners or decorations for which that state or politi alc

subdi .vision has issued such permita. Is "bodily in " or "property da " thatjury mageoccurs, or is "personal injury or "ad t" ver ising H. BLANKET ADDIT INSURED S TESIONAL TAinjury caused by an of com it a" fense m ted, fter OR P I ICAL SUBDIVI ONS PERMI SOL T SI T

RELAT T OPERAT ONSING O Iyou ha signed and execu that contractve tedor agreement; and The fo lowing is added tol SECT II WHO ISION

AN INSURED:b. Arises out of the ownership, maintenance oruse of the prem tgagee,ises for which that mor Any state or polit l subdi ision that has issued aica vassignee, successor or recei is requiredver perm in connect perations perforit ion with o med byunder that contract or agreemen to be in-t you or on your behal is an insured, but on withf lycluded as an additional insured on this Cov- respect to liab i for "bod y in " "propertyil ty il jury ,erage Part. damage", "personal in " or "ad ert in "jury v ising jury

arising out o such operations.fThe insurance prov to such mor as-ided tgagee,signee, successor or recei subject to the fover is l- Co is pro ision does not applyverage under th v to:lowing pro isions:v

1. Any "bodi injury , "propert da ", "per-ly " y mage(1) The l m o insurance pro ided to suchi its f v sonal injury" or "ad ising injury arising outvert "

mor assignee, successor or receitgagee, ver of operations perfor ed for that state or po-mwill be the li i which you agreed to pro idem ts v li ical v ort subdi ision;in the writ contrac or agree , or theten t ment

2. Any "bodily in " or "property damage" in-juryli i shown in the Declarat for th Com ts ions is v-cluded in the "products co leted opera-mperage Part, whiche er arev less; andtions hazard".

(2) Co under this pro ision does not applyverage vI. BLANKET ADDIT INSURED PERSONSIONALto:

OR OR IONS WHERE REQU BYGANIZAT IRED(a) Any "bodi injury or "property damage"ly " WRI TEN T OR AGREEM TT CON RACT EN

that occurs, or any "personal injury or"The fo lowing is added tol SECT II WHO ISION"ad ising in " caused by an ofvert jury fenseAN INSURED:com i a such contract or agree-m tted, fter

ment is no longer f ct;in e fe or Any person or organization that you ha e agreedvin a written con or agree to include astract ment(b) Any "bodil in " "property da ",y jury , magean additiona insured on this Co Part is anl verage"personal injury" or "ad ising in "vert juryinsured, but only with respect to liabi ty "bodili for lyarising out of any structural a ions,lteratinjury or "property da " that:" magenew construction or demo it operationsl ion

perfor by or on behal o such mort- Occurs af you ha signed and executedmed f f ter ve1.gagee, assignee, successor or recei er that contrac agreement ndv . t or ; a

G. BLANKET ADDIT INSURED S TES 2.IONAL TA Is caused, in whole or in part by your ac or, tsOR P I ICAL SUBDIVI ONS PERMI SOL T SI T om in the per mance o your ongoissions for f ingRELAT T MISING O PRE ES operations to which the writ contrac orten t

agreement appl or the acts or o issions ofies mThe fo lowing is added tol SECT II WHO ISIONany person or organization per m suchfor ingAN INSURED:operations on your behalf.

Any state or polit l subdi ision that has issued aica vThe insurance pro ided to such person or organi-vperm in connection with pre owned or oc-it miseszation where required by written contract orcupied by, or rented or loaned to, you is an in-agreement the l vis subject to fo lowing pro isions:sured, but only with respect to liabi ity for "bodil ly

injury , "property damage" "personal injury" or The l m o insurance pro ided to such in-" , i its f v(1)"ad ising in " ar out o the e istence, sured will be the li i which you agreed tovert jury ising f x m ts

CG D4 43 07 08 © 2008 The Travelers Companies, Inc. Page 3 o 4f

COMMERC GENERAL L ABILIAL I ITY

pro ide in the written contract or agree Co under this pro ision does not applyv ment, verage v(3)to:or the l m shown in the Declarat for thi its ions is

Co , whiche er areverage Part v less; (a) Any person or organization that has been(2) I such insured is an architect, engineer or added as an additional insured by at-f

surveyor the insurance prov to such in- tach o an endorsement under this, ided ment fsured does not apply to "bodi in " or Co Part which names such personly jury verage"property da " arising out o such in- or organization in the endorsement'smage f

schedule;sured's prov ing or fa l to pro i any pro-id i ing v defessional ser ices, ncv i luding: (b) Any person or organization who distrib-(a) The preparing, appro ing or fa ling to utes or sells "your product" in the regularv i

prepare or appro maps, shop draw- course of that person's or organization'sve,business; orings, opinions, reports, surveys, f or-ield

ders or change orders, or the preparing, (c) Any person or organization fro whommappro or fa ing to prepare or ap-ving il you have acqu "your product", or anyiredpro drawings and specif tions; andve, ica ingredient o , or that conta "your prod-f ins,

uct".(b) Super isory or inspection act v t per-v i i iesfor ed as part of any related arch turalm itecor engineering act v ti i ies; and

Page 4 o 4f © 2008 The Travelers Companies, Inc. CG D4 43 07 08

COMMERC GENERAL L ITYIAL IABIL

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

FUNGI OR BACTERIA EXCLUSION

This endorsement i ies insurance pro ided under the lmod f v fo lowing:

COMMERC GENERAL L ITY VERA ARTIAL IABIL CO GE P

A. 2. B. 2.The fo e lusion is added to Paragraph , The fo e lusion is added to Paragraph ,llowing xc llowing xcEx Ex oclusions clusions fof Sectio I C A Bo Secti n I C B Per-n overage dily o overageInj And perty Damage sonal And Advertisin In Lia lityury Pro g jury bi: :

2. Exclusi 2. Exclusions ons

This insurance does not apply to This insurance does not apply to: :

Fu i Fu ing or Bacteria ng or Bacteria

a. a."Bodi injur or "property da "Personal in or "ad ert injuryly y" mage" jury" v ising "which would not ha e occurred, in whole which would not ha e taken place, inv vor in par bu for the ac , a or whole or in part but for the actua alt, t tual lleged , l, -threatened inhalat o , ingestion o , leged or threatened inhalat o , inge -ion f f ion f scontact with, e to, e istence o or tion o , contact wi e to, e i -xposure x f, f th, xposure x spresence of, any " or bac on or tence o or presence of any " i" orfungi" teria f, fungwithin a bu ing or struc inc its bacteria on or within a bui ing or stru -ild ture, luding ld ccontents, regardless of whether any other ture, inc its contents, regardless ofludingcause, e mater or product contr b- whether any other cause, e matervent, ial i vent, ialuted concurrently or in any sequence to or product contr concurrent or inibuted lysuch injury or mage. any sequence to such injury.da

b. b.Any loss, cost or e s arising out o Any loss, cost or e s arising out oxpense f xpense fthe abating, testing f moni , the abating, testing f moni ,or, toring or, toringcleaning up, re v ng, con ing, trea - cleaning up, re v ng, con ing, trea -mo i tain t mo i tain ting, deto i ying neutra ing, re ting ing, deto i ying neutra ing, re tingx f , liz media x f , liz mediaor disposing of, or in any way responding or disposing of, or in any way respondingto, or assessing the ef ects o , " i" or to, or assessing the ef ects o , " i" orf f fung f f fungbacteria, by any insured or by any other bacteria, by any insured or by any otherperson or entity. person or entity.

This e lusion does not apply to any " i" The fo de ini ion is added to thexc fung llowing f tC. Defi i-ntions Section:or bacteria that are, are on, or are contained

in, a good or product intended for consump- "Fungi" means any type or f m o fungus, i -or f ntion. cluding m or m ldew and any my xold i coto ins,

spores, scents or byproducts produced or r -eleased by fungi.

CG D2 43 01 02 Copyright, Tra elers Inde ity mpany, 2002 Page 1 oThe v mn Co f 1Includes copyrighted ter o Insurance Ser ices O f cema ial f v f i

COMMERC GENERAL L ITYIAL IABIL

THIS ENDORSEMENT CHA ASE READ IT CAREFULLY.NGES THE POLICY. PLE

AMENDMENT OF COVERAGE PROPERTY DAMAGE

This endorsement i ies insurance pro ided under t folmod f v he lowing:

COMMERC GENERAL L ITY VERA AIAL IABIL CO GE P RTO NER AND C ACT OT IVE L LITY C AGE TW S ONTR ORS PR ECT IABI OVER PAR

PROVI ONSSI to occur at the ti o the "occurrence" thatme fcaused it.The de ini o "propert da inf tion f y mage" SEC ION VT

DEFINI IT ONS is deleted in its entirety and replaced "Property da does not inc loss of or damage" lude m-by the l age to "ele troni medfo lowing: c c ia and records".

"Property da means:mage" As used in this de ini "e c med andf tion, lectroni iarecords" means:a. Physical in to tangib property includ aljury le , ing l

resulting loss of use of that property. A such loss Elect data processing, recording or storagell ronica.med such as f l iscs drums or ceia i ms, tapes, d , lls;of use shall be deemed to occur at the t me o thei f

physical that orinjury caused it; b. Data stored on such media; orb. Loss of use of tangib property that is not physi-le c. Program ing records for electron data process-m ic

call jured. Al s of use shall be deemedy in l such los ing or e ical co tro led equiplectron ly n l ment.

CG D2 56 11 03 Copyright, Tra elers Inde ity mpany, 2003 Page 1 oThe v mn Co f 1

COMMERC GENERAL L ITYIAL IABIL

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EMPLOYMENT-RELATED PRACTICES EXCLUSION

This endorsement i ies insurance pro ided under the lmod f v fo lowing:

COMMERC GENERAL L ITY VERA ARTIAL IABIL CO GE P

A. 2. B. 2.The fo e lusion is added to Paragraph , The fo e lusion is added to Paragraph ,llowing xc llowing xcExclusi Sect n I C A Bod Exclusi Sect n I C B Pe -ons io overage ily ons io overage ro of fInj Pro iab ity sonal And Advertisin In Lia lityury And perty Damage L il g jury bi: :

This insurance does not apply to This insurance does not apply to: :

"Bodi injur to: "Personal in to:ly y" jury"

(1) (1)A person arising out o any: A person arising out o any:f f

(a) (a)Refusal mp person; Refusal mp person;to e loy that to e loy that

(b) (b)Ter ination o that person's employ ; Ter ination o that person's employ ;m f ment m f mentor or

(c) (c)E ment ted pract pol ies, E ment ted pract pol ies,mploy -rela ices, ic mploy -rela ices, icacts or o such as coercion, de acts or o such as coercion, demissions, - missions, -mo e aluat reassignment, d i- mo e aluat reassignment, d i-tion, v ion, isc tion, v ion, iscpline, de mat harassment, hu l a- pline, de mat harassment, hu l a-fa ion, mi i fa ion, mi ition or discri ina d ted at that tion or discri ina d ted at thatm tion irec m tion irecperson; or person; or

(2) (2)The spouse, chi parent brother or sister o The spouse, chi parent brother or sister old, , f ld, , fthat person as a consequence of "bodi in that person as a consequence of "personally -jury" to that person at whom any o the e - injury to that person at whom any o the e -f m " f mploy lated prac described in Para- ploy lated prac described in Para-ment-re tices ment-re ticesgraphs , , abo is direc graphs , , abo is direc(a) (b) (c) (a) (b) (c)or ve ted. or ve ted.

This e lusion applies: This e lusion applies:xc xc

(1) (1)W ther the insured may be l as an e - W ther the insured may be l as an e -he iable m he iable mployer or other capac ; and ployer or other capac ; andin any ity in any ity

(2) (2)To any obl ion to share damages with or To any obl ion to share damages with origat igatrepay someone else who must pay da repay someone else who must pay damages magesbecause of injur because of injurthe y. the y.

CG D2 88 11 03 Copyright, Tra elers Inde ity mpany, 2003 Page 1 oThe v mn Co f 1Includes copyrighted ter o Insurance Ser ices O f ce, , with m ssion.ma ial f v f i Inc. its per i

COMMERCIAL GENERAL LIABIL TYI

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION UNSOLICITED COMMUNICATION

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

PROVISIONS COVERAGE B PERSONAL AND ADVERTISINGINJURY LIABILITY :1. The following exclusion is added to Paragraph 2.,

Exclusions , of SECTION I COVERAGES Unsolicited CommunicationCOVERAGE A BODILY INJURY AND PROP- "Personal injury" or "advertising injury" arising outERTY DAMAGE LIABILITY : of any actual or alleged violation of any law thatUnsolicited Communication restricts or prohibits the sending, transmitting or

distributing of "unsolicited communication"."Bodily injury" or "property damage" arising out of3. The following is added to the DEFINITIONS Sec-any actual or alleged violation of any law that re-

stricts or prohibits the sending, transmitting or dis- tion:tributing of "unsolicited communication". "Unsolicited communication" means any commu-

nication, in any form, that the recipient of such2. The following exclusion is added to Paragraph 2.,Exclusions , of SECTION I COVERAGES communication did not specifically request to re-

ceive.

CG D3 26 10 11 © 2011 The Travelers Indemnity Company. All rights reserved. Page 1 of 1Includes copyrighted material of Insurance Services Office, Inc. with its permission.

COMMERC GENERAL L ITYIAL IABIL

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

MOBILE EQUIPMENT REDEFINEDEXCLUSION OF VEHICLES SUBJECT TO MOTOR

VEHICLE LAWS

This endorsement i ies insurance pro ided under t folmod f v he lowing:

COMMERC GENERAL L ITY VERA AIAL IABIL CO GE P RT

PROVI ONSSI (5) "Bodi in or "propert da aris-ly jury" y mage"ing out o :fA. g C A. BODI INJURYEx oclusion f. OVERAGE LY

AND PROPER DAMAGE LIABILI Y (a)TY T (Sec ion The operation of mach ort ineryI Co is deleted and replaced by the fol- equipment that is attached to, or partverages)lowing: of a land vehic that would quali, le fy

under the def tion o " le equip-ini f mobig. Aircraft, Auto Or Watercraftment i it were not subject to a co" f m-

"Bodi injury or "propert da arly " y mage" ising pulsory or f nc responsibil lawina ial ityout o intenance, use or en-f the ownership, ma or other mo v icle insurance lawtor ehtrustment to others of any aircra , "auto" orft in the state where it is licensed orwatercraft owned or operated by or rented or principa ly garaged; orlloaned to any insured. Use includes operation

(b) The operation of any of the machin-and "loading or .unloading"ery or equipment l in Paragraphisted

This e lusion applies e en i the c ixc v f la ms f.(2) f.(3)or of the def tion o " o-ini f magainst any insured allege negligence or bile p .equi ment"other wrongdoing in the superv hirision, ing,

B. SEC ON V DE I IONSTI FIN Temp ment train or mon ing of othersloy , ing itorby that insured, i the "occur which The def t of "auto" (paragraph 2.) is deletedf rence" ini ion

and replaced by the olf lowing:caused the "bodily in or "property dajury" m-age" in ol the ownership, maintenance,v ved 2. "Auto" means:use or entrustment to others of any a fircra t,

a. A land motor v cle trai or semi lerehi , ler trai"auto" or watercraft that is owned or operateddesigned for tra e on publ roads, in-v l icby or rented or insured.loaned to anycluding any attached mach orinery

This e lusion does not apply toxc : equipment; or(1) A watercraft while ashore on premises b. Any other land v le that is subject to aehic

you own or rent; compu or financ responsibil y lawlsory ial it(2) A watercraf not own thatt you do is: or other motor veh le insurance law inic

the state where it is li ed or principalcens ly(a) Less than 26 feet long; andgaraged.

(b) Not being used to carry persons orHowe "auto" does not include " ilever, mobproperty charge;for aequipment".

(3) Parking an "auto" on, or on the ways nextThe def it o " obi equip " is deletedin ion f m le mentto, prem you own or rent, provises idedand replaced by the ol :f lowingthe "auto" is not owned by or rented or

loaned to you or insured;the 12. "Mobi equip means any of the fo w-le ment" lloing types o land v les, includ any at-f ehic ing(4) Liabi ty assumed under any "insured con-litached or equip :machinery menttract" f the ownership, ma oror intenance

use of a f fircra t or watercra t; or a. Bul far mach f li ts andldozers, m inery, ork fother ic ipalveh les designed for use princ lyof publ roads;f ic

CG D3 56 01 05 Copyright, t. Tra e ies, Inc l ights reser Page 1 o2005 The S Paul v lers Compan . A l r ved. f 2

COMMERC GENERAL L ITYIAL IABIL

b. Vehic ma for use solely on or equipment are not " ile equiples intained mob ment"next m but wilto pre ises you own or rent; l be considered "autos":

c. (1)Vehic v l on Equip ma ly for:les that tra e crawler treads; ment designed pri ri

(a) Snow remo l;vad. Vehic whether self-propel or not,les, ledma ined pri i to pro ide mob li tointa mar ly v i ty (b) Road maintenance, but not con-permanent mounted:ly struction or resur ing; orfac(1) Power cranes, shove loaders, dig-ls, (c) Street c ;leaning

gers or drills; or(2) Cherry pickers and si lar de imi v ces

(2) Road construction or resurfacing mounted on auto ile or truckmobequipment such as graders, scrapers chassis and used to raise or loweror rollers; workers; and

e. a. b c d.Vehic not described in , , orles . . (3) Air co pumps and genera-mpressors,abo that are not self-propel and areve led tors, inc spraying, welding,ludingma ined pri i to pro ide mob li tointa mar ly v i ty build cleaning, geophysical e o-ing xplpermanent attached equip of thely ment ration, light and well ser icinging vfo lowing types:l equipment.(1) Air co pumps and genera-mpressors, Howe " ile equip " does not in-ver, mob ment

tors, inc spraying, welding,luding clude any land v les that are subject to aehicbuild cleaning, geophysical e o-ing xpl compu or f l responsibili law orlsory inancia tyration, light and well ser icinging v other motor v le insurance law in the stateehicequipment; or where it is l or principal garaged.icensed ly

(2) Cherry pickers and si lar de i Land vehic subject to a co or fmi v ces les mpulsory i-used to raise or lower workers; nancial responsibili law or other motor vehty i-

cle rance law are considered "autos".insuf. a. b c d.Vehic not described in , , orles . .C. WHO IS AN INSUREDabo ma pr mar ly for purposesve intained i i

other than the transportation of persons Paragraph 3. of SECTI II W Is An InsuredON hoor cargo. is deleted.Howe sel -propel veh les with thever, f led icfo lowing types of permanent atl ly tached

Page 2 o Copyright, t. Tra e ies, Inc l ights reserf 2 2005 The S Paul v lers Compan . A l r ved. CG D3 56 01 05

COMMERC AL IABILI GENERAL L ITY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

AMENDMENT OF CONTRACTUAL LIABILITY EXCLUSIONEXCEPTION FOR DAMAGES ASSUMED IN AN INSURED

CONTRACT APPLIES ONLY TO NAMED INSURED

This endorsement i ies insurance pro ided under t fol ing:mod f v he low

COMMERC GENERAL L ITY VERA AIAL IABIL CO GE P RT

PROVI ONSSI a. The "suit" against the inde tee seeksmnidamages for which you ha assumedve1. (2)The fo lowing replaces Paragraph of E lusionl xcthe l l o inde itee in a contractiabi ity f the mnb. Co Lia lity 2., , in Paragraph ontractual bi for agreement that is an " con-insuredSEC ON I COVERAGES COVERAGE ATItract";BODIL INJURY AND PROPERT DAMAGEY Y

b. This insurance applies to such liab li as-i tyLIABILI YT :sumed by you;(2) Assumed by you in a contrac or agreet ment

c. The obl ion to de or the cost oigat fend, fthat is an " contract", pro i that theinsured v dedthe defense of, that inde tee has alsomni"bodily in " or "property da " occursjury magebeen assumed by you in the same "in-subsequent to the execut f the contract orion osured contract";agreement. So for the purposes of l llely iabi ity

assumed by you in an " contract", rea-insured d. The al ions in the "sui " and the in-legat tsonable attorney fees and necessary lit gati ion for at we know about the "occur-m ionexpenses incurred by or for a party other than rence" or of are such that we de-fensean insured will be dee to be damed mages ter tha no conf ict e ists betweenmine t l xbecause of "bod in " or "property daily jury m- your interests and the interests of the in-age", pro idedv that: demnitee;(a) Liabi ty to such party for, or for the costli e. You and the indemn ask us to con-itee

of that party's defense has also been as-, duct and contro the de of that in-l fensesumed by you in the same "insured con- demn against such "suit" and agreeiteetract"; and that we can assign the same counsel to

defend you and mn andthe inde itee;(b) Such attorney fees and li tion etiga x-penses are for defense of that party 3. The fol replaces the last sentence oflowingagainst a ci i or a i e d reso-v l lternat v ispute Paragraph of2. SUPP TARY PAY-LEMENlut proceeding in which da toion mages MEN COVERAGES A AND B SEC-TS ofwhich this insurance applies are alleged. T ON I CI OVERAGES:

2. The fo lowing replaces the beginning of Para-l Our obl to de your inde itee andigation fend mngraph , and Paragraphs , , , and , of2. 2.a. b. c. d e.. to pay attorneys' fees and necessary li a-for tigSUPPLE TARY PAYMEN C R-MEN TS OVE tion expenses as Supplementary PaymentsAGES A AND B SEC I I C RAGESof :T ON OVE ends when:2. I we defend you against a "suit" and your in-f a. W ha e used up the appl l m oe v icable i it f

demn is also named as a party to theitee insurance in the paymen o judgment f ts,"suit", we wil ha the r and dut to de-l ve ight y settle medi e s; orments or cal xpensefend that indemn i al o the folitee f l f lowing

b. The condit set forth abo e, or theions vcondit t:ions are meter of the agreement described inmsParagraph abo , are no mef. ve longer t.

CG D4 21 07 08 © 2008 The Travelers Companies, Inc. Page 1 of 1Includes the copyrighted material of Insurance Services Office, Inc. with its permission.

COMMERCIAL GENERAL LIABILITY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION VIOLATION OF CONSUMER FINANCIALPROTECTION LAWS

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

"Consumer financial identity information" meansPROVISIONSany of the following information for a person that1. The following exclusion is added to Paragraphis used or collected for the purpose of serving2., Exclusions , of SECTION I COVERAGESas a factor in establishing such person's eligibil-COVERAGE A BODILY INJURY ANDity for personal credit, insurance or employment,PROPERTY DAMAGE LIABILITY :or for the purpose of conducting a business

Violation Of Consumer Financial Protection transaction:Laws

a. Part or all of the account number, the expi-"Bodily injury" or "property damage" arising out ration date or the balance of any credit,of any actual or alleged violation of a "consumer debit, bank or other financial account.financial protection law", or any other "bodily in-

b. Information bearing on a person's creditjury" or "property damage" alleged in any claimworthiness, credit standing or credit capac-or "suit" that also alleges any such violation.ity.

2. The following exclusion is added to Paragraphc. Social security number.2., Exclusions , of SECTION I COVERAGES

COVERAGE B PERSONAL AND ADVER- d. Drivers license number.TISING INJURY LIABILITY : e. Birth date.Violation Of Consumer Financial Protection "Consumer financial protection law" means:Laws

a. The Fair Credit Reporting Act (FCRA) and"Personal injury" or "advertising injury" arising any of its amendments, including the Fairout of any actual or alleged violation of a "con- and Accurate Credit Transactions Actsumer financial protection law", or any other (FACTA);"personal injury" or "advertising injury" alleged in

b. California's Song-Beverly Credit Card Actany claim or "suit" that also alleges any suchand any of its amendments; orviolation.

c. Any other law or regulation that restricts or3. The following is added to the DEFINITIONSprohibits the collection, dissemination,Section:transmission, distribution or use of "con-sumer financial identity information".

CG D6 18 10 11 © 2011 The Travelers Indemnity Company. All rights reserved. Page 1 of 1

COMMERCIAL GENERAL LIABILITY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION LEAD

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PARTOWNERS AND CONTRACTORS LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PARTRAILROAD PROTECTIVE LIABILITY COVERAGE PARTCATASTROPHE UMBRELLA POLICY

PROVISIONS 2. Any obligation to share damages, losses, costs,payments or expenses with or repay someoneThis insurance does not apply to any injury, damage,else who must make payment because of suchloss, cost, payment or expense, including, but notinjury or damage, loss, cost, payment or ex-limited to, defense and investigation, of any kind aris-pense; oring out of, resulting from, caused by or contributed

to by the actual or alleged presence or actual, al- 3. Any request, order or requirement to abate,leged or threatened dispersal, release, ingestion, in- mitigate, remediate, contain, remove or disposehalation or absorption of lead, lead compounds or of lead, lead compounds or materials or sub-lead which is or was contained or incorporated into stances containing lead.any material or substance. This exclusion applies,but is not limited to:

1. Any supervision, instructions, recommendations,warnings or advice given in connection with theabove;

CG D0 76 06 93 Page 1 of 1

COMMERCIAL GENERAL LIABILITY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION DISCRIMINATION

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

PROVISIONS

1. COVERAGE A BODILY INJURY AND PROP- 2. COVERAGE B PERSONAL AND ADVERTIS-ERTY DAMAGE LIABILITY ING INJURY LIABILITYis amended by ad- is amended by addingding the following additional exclusion: the following additional e clusion:x

(This Insurance does not apply to:) (This insurance does not apply to:)

“Bodily injury” resulting from or as a consequence “Personal injury” resulting from or as a conse-of discrimination, whether intentional or uninte quence of discrimination, whether intentional orn-tional, based upon a person's sex, sexual prefe unintentional, based upon a person's sex, sexualr-ence, marital status, race, creed, religion, n preference, marital status, race, creed, religion,a-tional origin, age, physical capabilities, characte national origin, age, physical capabilities, charac-r-istics or condition, or mental capabilities or co teristics or condition, or mental capabilities orn-dition. condition.

CG D1 42 01 99 Copyright, The Travelers Indemnity Company, 1999 Page 1 of 1

COMMERC GENERAL L ITYIAL IABIL

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION WAR

This endorsement i ies insurance pro ided under the lmod f v fo lowing:

COMMERC GENERAL L ITY VERA ARTIAL IABIL CO GE P

A. i. 2. Exc ons B. 2.Ex under Paragraph , o The fo e lusion is added to Paragraph ,clusion f llowing xclusiSectio I C A Bod In And Exclusi of Secti I Coverage B Per-n overage ily jury ons on

sonal And Advertisin In Lia lityg jury bi :Property Damage Lia litybi is replaced by thefo lowing:l 2. Exclusions:2. Exclusions: This insurance does not apply to:

This insurance does not apply to: Wari. War "Personal in or "ad ert injury ar s-jury" v ising " i

ing, d ly indirec ly, firect or t out o :"Bodi injur or "property da ari -ly y" mage" sing, d ly indirec ly, firect or t out o : (1) W r, luding undec i i war; ora inc lared or c v l(1) W r, inc undec or c v la luding lared i i (2) W rl act by a m l y for inc d-a ike ion i itar ce, lu

war; or ing act in h or de ingion indering fend(2) W rl act by a m l y for in- against an actual or e at bya ike ion i itar ce, xpected tack,

cluding ac ion in hinder or de any go ment so ign or ot ing - vern , vere therfend against an actua or e authority using m itar personnel or othering l xpected il y

agents; orattack, by any go ern , so ignv ment vereor other authori using m l per-ty i itary (3) Insurrection, rebe ion, re olull v tion,sonnel or other agents; or usurped power, or act taken by go -ion v

(3) Insurrection, rebe ion, re olu ernmenta author in hinder or dell v tion, l ity ing -fend against any o theseing fusurped power, or act taken byion

go menta author in hindervern l ity ing regardless of any other cause or e ent thatvor defend fing against any o these contributes concurrent or in any sequencely

to the jury.inregardless of any other cause or e entvthat contr concurrentl or in any s -ibutes y equence to the or dainjury mage.

CG D2 42 01 02 Copyright, Tra elers Inde ity mpany, 2002 Page 1 oThe v mn Co f 1

COMMERCIAL GENERAL LIABILITY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION ASBESTOSThis endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PARTOWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PARTRAILROAD PROTECTIVE LIABILITY COVERAGE PARTCATASTROPHE UMBRELLA POLICY

This insurance does not apply to "bodily injury," a. Any supervision, instructions, recommendations,"property damage," "personal injury" or "advertising warnings or advice given or which should haveinjury" arising out of the actual or alleged presence been given in connection with the above; andor actual, alleged or threatened dispersal of asbes- b. Any obligation to share damages with or repaytos, asbestos fibers or products containing asbestos, someone else who must pay damages becauseprovided that the injury or damage is caused or con- of such injury or damage.tributed to by the hazardous properties of asbestos.This includes:

Copyright, The Travelers Indemnity Company.CG T4 78 02 90 Page 1 of 1

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION COUNSELING OR REFERRALERRORS OR OMISSIONS

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

This insurance does not apply to "bodily injury," e. recommending,"property damage," "personal injury" or "advertising f. referral, orinjury" arising out of:

g. instructions1. Any error, omission, defect or deficiency in:

in connection with counseling services done bya. counseling, or on behalf of any insured; orb. supervising, 2. The reporting of or reliance upon any suchc. testing, material or information given or which should

have been given in connection therewith.d. evaluation,

CG T4 89 07 96 Copyright, The Travelers Indemnity Company, 1996. Page 1 of 1

COMMERCIAL GENERAL LIABILITY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION ABUSE OR MOLESTATION

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

PROVISIONS a. Under 18 years of age;

1. The following exclusion is added to Paragraph 2., b. Legally incompetent; orExclusions , of SECTION I COVERAGE A c. In the care, custody or control of any insuredBODILY INJURY AND PROPERTY DAMAGE

and is physically or mentally incapable ofLIABILITY :consenting to such physical act or contact.

Abuse Or Molestation"Perpetrator" means any of the following persons

"Bodily injury" arising out of any act of "abuse or who actually or allegedly commit any illegal or of-molestation". fensive physical act or contact:

2. The following exclusion is added to Paragraph 2., a. Persons listed under Paragraph 1. of SectionExclusions , of SECTION I COVERAGE B II Who Is An Insured;PERSONAL INJURY AND ADVERTISING IN-

b. Your "employees" or "volunteer workers";JURY LIABILITY :c. Persons acting as student teachers as part ofAbuse Or Molestation

their educational requirements with you, if you"Personal injury" arising out of any act of "abuseare a public entity, college or school; oror molestation".

d. Any other person acting together with any of3. The following is added to the DEFINITIONS Sec-the persons described in Paragraphs a.tion:through c. above.

"Abuse or molestation" means any illegal or of-fensive physical act or contact committed by any"perpetrator" against any person who is:

CG T4 90 11 10 © 2010 The Travelers Indemnity Company. All rights reserved. Page 1 of 1

COMMERCIAL GENERAL LIABI ITYL

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

LIMITATION WHEN TWO OR MORE POLICIES APPLY

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PARTEMPLOYEE BENEFITS LIABILITY COVERAGE PARTLIQUOR LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

Provisions

1. Injury, damage or loss might be covered by this policy and also by other policies issued to you by us or anyTravelers affiliate. When these other policies contain a provision similar to this one, the amount we will pay islimited. The maximum that we will pay under all such policies combined is the highest limit that applies inany one of these policies.

2. This does not apply to any personal liability policy or to any Umbrella, Excess or Protective Liability Policy.

CG T3 33 11 03 Copyright, The Travelers Indemnity Company, 2003 Page 1 of 1

COMMERC GENERAL L LIAL IABI ITY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION HAZARDOUS ACTIVITIES

This endorsement i ies insurance pro ided under t folmod f v he lowing:

COMMERC GENERAL L ITY VERA AIAL IABIL CO GE P RTLIQUOR ILI OVERA PARTLIAB TY C GEPRODUCTS PLETED O TI ABILI COVERA PART/COM PERA ONS LI TY GEO NER ONTR ORS PR ECT IABI OVER PARW S AND C ACT OT IVE L LITY C AGE TRAILROAD TECT LIAB TY C GE RTPRO IVE ILI OVERA PA

1. 2., 2. 2.,The fo e lusion is added to Paragraph The fo e lusion is added to Paragraphllowing xc llowing xcExclusi SEC ION I C Exclusi SEC ION I Cons, T OVERAGES ons, T OVERAGESo of fCOVERAGE A BODI INJURY AND PROP- COVERAGE B PERSONAL AND ADVERTISLY INGER IABILI Y: INJURY L TTY DAMAGE L T IABILI Y:

Hazardous Activit Hazardous Activities ies

"Bodi injur " or "property da " oly y mage arising out f: "Personal injur " or "ad t in " ar outy ver ising jury isingof:(1) Fireworks, pyrotechnica de i concussionl v ces,

ef ect pot, f m lar de if , smoke lash pot or si i v ces; (1) Fireworks, pyrotechnica de i concussionl v ces,ef ect pot, f m lar de if , smoke lash pot or si i v ces;(2) Mechanical operated a v ces;ly musement de i

(2) Mechanical operated a v ces;ly musement de i(3) Rodeos; or(3) Rodeos; or(4) Aircra t, includ bal tethered balf ing loons, loons,

parachuting, and -based parachuting.land (4) Aircra t, includ bal tethered balf ing loons, loons,parachuting, and -based parachuting.land

CG D4 07 04 08 Page 1 o2008 The Travelers Companies, Inc. f 1

COMMERC GENERAL L ITYIAL IABIL

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CALIFORNIA CHANGES

This endorsement i ies insurance pro ided under t folmod f v he lowing:

COMMERC GENERAL L ITY VERA AIAL IABIL CO GE P RTELECTRON TA LI ITY VERAG ARTIC DA ABIL CO E PLIQUOR ILI OVERA PARTLIAB TY C GEO NER ONTR ORS PR ECT IABI OVER PARW S AND C ACT OT IVE L LITY C AGE TPOLLUTI IABIL CO GE PON L ITY VERA ARTPRODUCT I W OVERA PARTW THDRA AL C GEPRODUCTS PLETED PERA ONS LI TY COVERA PART/COM O TI ABILI GEUNDERGROUND S ORAGE ANK PT T OLICY

The ter "spouse" is replaced by the lm fo lowing:

Spouse or registered domestic par i iatner under Cal forn law.

CG 32 34 01 05 IS Propert , 2004 Page 1 oO ies, Inc. f 1

COMMERCIAL CRIME

COMMERCIAL CRIME

X-660-823X853A-TCT-1310-22-12

THE TRAVELERSINDEMNITY COMPANYOF CONNECTICUT

01-01-13 01-01-14

$ 25,000 $ 500$ 25,000 $ 500

NOT COVERED

NOT COVEREDNOT COVEREDNOT COVEREDNOT COVERED

NOT COVERED

1 of 1

CHARITY FIRST AJG CO TT446 NAT’L PRGM’S-ORL 019

COMMERCIAL CRIME POLICY NO.:COVERAGE PART DECLARATIONS ISSUE DATE:

INSURING COMPANY:

Declarations Period: From to 12:01 A.M. Standard Time at your mailing addressshown in the Common Policy Declarations.

The Co merc Cr me Co erage Par consists of th Declarat For and the Co mer l Cr me Co erm ial i v t is ions m m cia i v ageForm.

EMPL E BENE T LAN(S) INCLUDED REDS:OYE FI P AS INSU

1. INSURING T L T O INSURANCE AND DEDUCTIBLAGREEMEN S, IMI S F ES:

LIM T F DEDUCT E AMOUNI O INSURANCE IBL TINSURING T Per Occurrence Per OccurrenceAGREEMEN S

1. Empl Toyee heft2. Forgery nOr Alteratio3. Insi T Premises T Of ney ande he heft Mo d

Securities4. Insi T Premises Ro Or Safede he bbery

Burglary Ot pertyOf her Pro5. Outs T Premiseside he6. Comp duter Frau7. Fu T Fraudnds ransfer8. Money Co t PaOrders And unterfei per

CurrencyIf Added En , urinby dorsement Ins g Agreement(s):

I "No Co ered" is inserted abo opposite any speci i Insuring Agreemen such Insuring Agree and anyf t v ve f ed t, mentother re in is poli is deleted.ference thereto th cy

2. NUMBERS OF F , SCHEDULES AND ENDORSEMEN S FORM PAR OF TH COVORMS T ING T IS ERAGEPART ARE LI TED OW T ATE S ING.S BEL OR A TACHED AS A SEPAR LI T

3. CANCELLATION OF PRIOR INSURANCE ISSUED BY US: By acceptance of this Coverage Part yougive us notice cancelling prior policy Nos. ;the cancellation to be effective at the time this Coverage Part becomes effective.

CR T0 20 10 07 Page

PRODUCER: OFFICE:

TABLE OF CON TSTENCOMMERCIAL CRIME COVERAGE FORM

(LOSS SUSTAINED FORM)

Beginningon Page

DECLARATIONS

A. Insuring Agreements ..................................................................... 1................................1. E The .................................................................................................... 1mployee ft2. Forgery O ltera ............................................................................................ 1r A tion3. Inside The Pre ises The O Money And i ies ......................................... 1m ft f Secur t4. Inside The Pre ises Robbery Or Sa Burg O O her Property .................... 1m fe lary f t5. Outside The m .......................................................................................... 1Pre ises6. Computer ................................................................................................... 2Fraud7. Funds Transfer .......................................................................................... 2Fraud8. Money Orders And Counter it rrency.................................................... 2fe Paper Cu

B. Li it f rance ........................................................................................................ 2m O Insu

C. Deductible .................................................................................................................... 2

D. Ex .................................................................................................................... 2clusions1. This Po y Does Not Appl To: ............................................................................ 2lic y

a. Acts Com i By You Partners Or mb s............................ 2m tted , Your Your Me erb. Acts O E loyees, Managers, Directors, Representati es ....... 2f mp Trustees Or vc. Go rn Ac .................................................................................... 2ve mental tiond. Indirect ................................................................................................. 2Losse. Legal E ............................................................................................ 2xpensesf Nuclear ........................................................................................................ 2.g. W r And m lar ct ............................................................................... 2a Si i A ions

2. Insuring Agreement . Does Not App To: ....................................................... 3A.1 lya. E led Under P Insurance.................................................. 3mployee Cancel riorb. In tory Shortages ..................................................................................... 3venc. Trading......................................................................................................... 3d. W rehouse Receipts .................................................................................... 3a

3. Insuring Agreements A A.4 A.5. Apply To: ................................... 3.3., . And Do Nota. Accounting Ar met l E O issions........................................... 3Or ith ica rrors Or mb. Ex rchases ............................................................................. 3changes Or Puc. Fire .............................................................................................................. 3d. Money Operated De i ............................................................................. 3v cese. Motor Veh r Equ ment ories ............................................ 3icles O ip And Accessf Transfer Surrender O Propert ................................................................ 3. Or f yg. Vandalism .................................................................................................... 3h. Voluntary ing O T le r Possession Of pert .............................. 3Part f it To O Pro y

4. Insuring Agreement . Does Not App To: ....................................................... 3A.6 lya. Ex ............................................................................. 3changes Or Purchasesb. Funds Transfer ................................................................................... 4Fraudc. In tory Shortages ..................................................................................... 4vend. Voluntary ing O T le r Possession Of pert .............................. 4Part f it To O Pro y

CR 8 01 05T0 2 Page 1 o 3f

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5. Insuring Agreement . Does Not App To: ....................................................... 4A.7 lyComputer 4Fraud

E. Conditions 41. Conditions Appl le To ll gree ................................................ 4icab A Insuring A ments

a. Cancellat To Any mployee................................................................ 4ion As Eb. Concealmen Misrepresentation or .................................................... 4t, Fraudc. Consolidation Merger ................................................................................ 4d. Duties In v O Loss ......................................................................... 4The E ent fe. E f P ............................................................................. 5mployee Bene it lan(s)f Ex To D ver ............................................................... 5. tended Period isco Lossg. Joint nsured ................................................................................................ 5Ih. Legal Act inst Us................................................................................ 6ion Agai. Liberal ion................................................................................................ 6izatj. Loss Covered Under One Co erage O This rance ............... 6More Than v f Insuk. Loss Covered Under iorThis Insurance And Pr Insurance Issued By Us Or

Any O f i iate ........................................................................................ 6ther A f ll. Loss Sustained............................................................................................. 6m Loss sustained During Prior .......................................................... 6. Insurancen. Other ........................................................................................... 6Insuranceo. Ownership O Property Interests Co .................................................... 7f ; veredp. Records ....................................................................................................... 7q. Reco ies .................................................................................................... 7verr. Terri ....................................................................................................... 7torys. Transfer f ights O Reco ery Others T ......................... 7O Your R f v Against o Ust. Valuat Set le ................................................................................. 7ion t ment

2. Condition icable Insuring Agree .1.................................................. 8Appl To ment ATerri ............................................................................................................... 8tory

3. Conditions Appl le To ment ................................................ 8icab Insuring Agree A.2a. Deductible.................................................................................................... 8b. Elect And Mechani Signatures.......................................................... 8ronic calc. Proof f ............................................................................................... 8O Lossd. Terri ....................................................................................................... 8tory

4. Conditions Appl le To ment and .................................. 8icab Insuring Agree A.4. A.5a. Ar Vehic mpan .............................................................. 8mored Motor le Co iesb. Special m t f i ied Proper ........................................ 8Li i O Insurance For Spec f ty

5. Conditions Appl le To ment ................................................ 9icab Insuring Agree A.6a. Special m t f i ied Proper ........................................ 9Li i O Insurance For Spec f tyb. Terri ....................................................................................................... 9tory

F. Def t .................................................................................................................... 9ini ions1. Banking Pre ises ................................................................................................ 9m2. Client ................................................................................................................... 93. Counterfe ........................................................................................................... 9it4. Custodian ............................................................................................................ 95. E ............................................................................................................. 9mployee6. E f P ..................................................................................... 9mployee Bene it lan(s)7. Forgery ................................................................................................................ 108. Fraudulent .......................................................................................... 10Instruction

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9. Funds .................................................................................................................. 1010. Manager .............................................................................................................. 1011. Member ............................................................................................................... 1012. Messenger........................................................................................................... 1013. Money.................................................................................................................. 1014. Occurrence .......................................................................................................... 1015. Other P ..................................................................................................... 10roperty16. Prem ............................................................................................................. 10ises17. Robbery............................................................................................................... 1018. Safe y....................................................................................................... 10Burglar19. Securit ............................................................................................................. 10ies20. The .................................................................................................................... 10ft21. Transfer .................................................................................................. 10Account22. W tchperson........................................................................................................ 11a

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COMMERCIAL CRIME COV GE FORMERA(DISCOVERY FORM)

Various prov in this policy restric co prem resulting d ly f m "the t",isions t verage. ises" irect ro fRead the entire policy care lly to deter r disappearance or destruction.fu mine ights,duties and what is or is not co ered.v b. W wi l pay for loss fro da to thee l m mageThroughout this pol the words "you" and "your" r "prem or its e ior result d lyicy e- ises" xter ing irectfer to the Named Insured shown in the Declarations. f m an ac or at mpted " ft" oro tual te the fThe words "we", "us" and "our" refer to the Co " and "securities", i you are thempany money" fpro iding this owner of the "pre ises" or are liable forv insurance. m

damage to t.iOther words and phrases that appear in quotationmarks ha specia meaning. Re to Sec W wi pay for loss of or damage to ave l fer tion e llF. c.Def t locked safe v lt,ini ions. , au cash register, cash box

or cash drawer located inside the "prem-A. Insur g Agreementsinises" resulting d tly fro an actua orirec m l

Co erage is pro ided under the fo Insuringv v llowing atte " ft o or unlaw entry intompted the " f fulAgreements for which a Lim o Insurance isit f those containers.shown in the Declarations:

4. Insi The Premises Robbery Or Safede1. Empl Toyee heft Burglary Ot pertyOf her Pro

W wil pay for loss of or da to "e l mage money", a. W wil pay for loss of or da toe l mage"securities" and "other property" resulting di- "other property":rectly f m " ft" co m t by an "em-ro the m it ed

(1) Inside the "pre resulting di-mises"ployee", whether identi or not, actfied ingrectly f m an actual or attero mptedalone or llusion with rsons.in co other pe"robbery" o "custodian"; orf a

2. Forgery Or Alteration(2) Inside the "pre ises" in a safe orm

a. W wil pay for loss resulting direc roe l tly f m v lt result direct f m an actualau ing ly ro" or a ion o checks, dra ts,forgery" lterat f f or atte "safe bu g .mpted r lary"prom notes, or sim lar writ proissory i ten m-

b. W wi l pay for loss fro da to thee l m mageises, orders or directions to pay a sum"prem or its e ior result d lyises" xter ing irectcertain " that are:in money"f m an actual or atte ted "robbery" orro mp

(1) Made or drawn by or drawn upon "safe burglary" o "other property" i youf , fyou; or are the own of the "prem or are li-er ises"

able for da to .mage it(2) Made or drawn by one acting as youragent; c. W wi pay for loss of or damage to ae ll

locked safe or v t located inside theaulor that are purported to ha e been sov"prem resulting direc ly f m an aises" t ro c-made or drawn.tual or atte ted "robbery" or "safe bump r-b. I you are sued for re to pay any if fusing n-glary".strument co ered in Paragraph above,v a.

5. Outs T Premiseside heon the basis that it has been forged or al-tered, and you ha e our wri consentv tten a. W wil pay for loss of " and "se-e l money"to de against the suit, we will pay forfend curit outside the "premises" in theies"any reasonable legal e that youxpenses care and custody of a " or anmessenger"incur and pay in that de Thefense. armored motor veh le co resultic mpany ingamount tha we will pay is in addit tot ion direct m "the t", d or de-ly fro f isappearancethe Li i o Insurance appli to thm t f cable is struction.Insuring Agreement.

b. W wil pay for loss of or da toe l mage3. Insi T T Mode he Premises heft Of ney And "other pro outside the "pre ises" inperty" m

Securities the care and custody of a "messenger" oran armored mo veh le co rtor ic mpany e-a. W wil pay for loss of " and "se l money" e-

curit inside the "pre ises" or "bankingies" m

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COMMERC MEIAL CRI

sulting direct fro an actual or at- whether acting alone or in co lusion withly m lte "ro bery". other persons.mpted b

6. Comp d b. Acts Of Employees, Mana Direuter Frau gers, c-tors, usteesTr Or RepresentativesW wil pay for loss of or da to "e l mage money",

"securities" and "other property" resulting d Loss resulting f m "the t" or any otheri- ro frectly f m the use of any computer to u- dishonest act com i by any of yourro fraud m ttedlent cause a transfer of that property fro "emp " direc truly m loyees", managers", tors, s-inside the "pre ises" or "ban ing pre ises": tees or authorized representati es:m k m v

a. (1)To a person (other than a " W ther acting alone or in colmessenger") he lusionoutside those "prem with other persons; orises"; or

b. (2)To a p re ises". W i per m ser ices for you orlace outside those "p m h le for ing votherwise;7. Fu T Fraudnds ransfer

except when co under InsuringveredW wi l pay for loss of " resulting di-e l funds"Agreement A.1.rectly f m a " t instruct direc ingro fraudulen ion" t

c. Governmen Actiotal na f ial tut transfer, i erinanc insti ion to pay or del v" fro your account"funds" m "transfer . Loss resulting fro seizure or destructm ion

8. Money Orders And Cou Paper C r-nterfeit u of property by order of go ern l av menta u-rency thority.

d. In LossdirectW wil pay f loss resulting d ly f me l or irect royour hav accepted in good fai in ex-ing th, Loss that is an indirect result of any act orchange for merchandise, " or semoney" r- "occurrence" co by th insurancevered isv ces:i includ but not l m to loss resultinging, i ited ,a. Money orders issued by any post of ice,f f m:ro

express company or bank that are not (1) Your inabi ty to real inco thatli ize mepaid upon presentation; or you would have real had thereized

b. "Counterfe " paper currency that is ac-it been no loss of or da tomagequired during the regular course of busi- " "securi or "other prop-money", ties"ness. erty".

B. Limit Of I nce (2)nsura Pay o da of any t forment f mages ypewhich you are legally l But weiable. ,The most we will pay for loss in any one "occur-will pay co damages aris-mpensatoryrence" is the appl L m t o Insurance shownicable i i fing direc ly f m a loss co undert ro veredin the aratDecl ions.this insurance.

C. Deductible(3) Pay of costs, fees or other ex-ment

W wil not pay f loss in any one "occurrence"e l or penses you incur in establ ei-ishingunless the amount o loss exceeds the Deductiblef ther the e istence or the a ox mount fA shown in the Declarat W wil thenmount ions. e l loss under this insurance.pay the a o loss in e of the Deductmount f xcess i-

e. Legal nsesExpeble A up to the Li it o Insurance. In themount, m fe mo than one Deductib A t could Expenses related to any legal action, ex-vent re le mounapply to the same loss, only the highest Deducti- cept when co under Insuringvered

Agreement A.2.ble A may be app .mount lied

D. Exclusi f. Nuclearons

1. This insurance does not apply to: Loss resulting f m nuc react nu-ro lear ion,clear radia or radioact v con mina-tion i e taa. Acts Committed By Y , Y nersou our Parttion, or any re t or ident.lated ac incOr Y Membersour

g. War And Similar ActionsLoss resulting f m "the t" or any otherro fdishonest act co m tted by Loss resulting f m war, whether or notm i : ro

declared, warl act insurrection, re-ike ion,(1) You; orbell or re lut or any related act orion vo ion,

(2) Any o partners or " mbers";f your me incident.

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COMMERC CRIIAL ME

2. A.1.Insuring Agreement does not apply to: " deposited in it is recorded by amoney"continuous recording instrument in thea. Empl Cancelled Un Prior Ioyee der n-de ice.vsurance

e. Mot Vehicles Or Eq pment And Ac-or uiLoss caused by any "emp o yours,loyee" fcessoriesor predecessor in interest o yours, forf

whom sim lar pr insurance has been Loss of or da to m v ici ior mage otor eh les,cancelled and not reinstated since the trai or semi tra or equip andlers - ilers mentlast such cancella accessories attached to the .tion. m

b. Invent horta f. Tra Surren f Prory S ges nsfer Or der O operty

(1) Loss of or da to property a ter itmage fLoss, or that part of any loss, the proof ofwhich as to its ex or amount is d has been transferred or surrenderedistence e-pendent upon: to a person or place outside the

"prem or "banking pre ises":ises" m(1) An in entory mputat orv co ion;(a) On the basis of unauthorized in-(2) A pro it and ion.f loss computat

structions;Howe where you establish whollyver,

(b) As a result o lyf a threat to do bodiapart fro such co ions that youm mputatharm to any person; orha loss, then you may ofve sustained a fer

(c) As a result of a threat to do dam-your in entory records and actual physi-vcal count o in entory in support o the age to any property.f v famount o loss claif med. (2) But, this E lusion does not applyxc

c. Tra ng A.5.di under Insuring Agreement toloss of " "securi es" or "othermoney", tiLoss resulting direct or indirec ly froly t mproperty" while outside the "prem-trading, whether in your name or in aises" in the care and custody of agenuine or ict ious account.f it" nger" i you:messe f

d. Warehouse Receipts(a) Had no knowledge of any threat

Loss resulting fro fraudulent or dishom n- at the ti the con bme veyance e-est signing, issuing, cancelling or fa li ing gan; orto cancel, a warehouse receipt or any pa-

(b) Had knowledge of a threat at thepers connected with it.ti the con yance began, butme ve

3. A.3., A.4. A.5.Insuring Agreements and do the loss was not related to thenot apply to: threat.a. Accountin Or Arithmetical Errors Org g. Vandalism

OmissionsLoss fro mage to mm da the "pre ises" or its

Loss resulting fro account or arith-m ing exter , or to any sa v lt cash regiior fe, au , s-me l er missions.tica rors or o ter, cash box, cash drawer or "other

property" by vandal m or mal ious m s-is ic ib. Exchanges Or Purchaseschief.Loss resulting fr m the gi i or surreo v ng n-

h. Vol Partin Of T T Or Pos-untary g itle odering o propert in any e change orf y xsession ProOf pertypurchase.

Loss resulting fro your, or anyone act-mc. Fireing on your express or imp authorilied ty,Loss resulting fro f howe caused,m ire, verbeing induced by any dishonest act toexcept:v luntar part with t le to or possessiono ily it

(1) Loss of or da to " andmage money" of any property."securities"; and

4. A.6.Insuring Agreement does not apply to:(2) Loss fro damage fe or ltm to a sa vau .

a. Exchanges Or P chasesurd. Money perated DevicesO

Loss resulting fro the gi i or surren-m v ngLoss of property contained in any money dering o propert in any e change orf y xoperated dev unless the amount ofice purchase.

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COMMERC MEIAL CRI

b. Fu T Fraudnds ransfer ma led, proo o ma ing wil be suf i-i f f il l fcient proo o notif f ce.Loss resulting fro a " raudulent instrum f c-

b. Concealment Misrepresentati Or, ontion" direc a f l insti ion toting inancia tutFraudtransfer, pay or deli er " fro yourv funds" m

"transfer account". This insurance is vo in any case ofidc. Invent hortaory S ges f s it relates to this insuranceraud by you a

at any ti I is also vo i you or anyme. t id fLoss, or that part of any loss, the proof ofother Insured, at any time, intent lyionalwhich as to its ex or amount is distence e-conceal or m a mater fisrepresent ial actpendent upon:concerning:

(1) An in entory mputat orv co ion;(1) This insurance;

(2) A pro it and ion.f loss computat(2) The property co ered under th in-v is

d. Vol Partin Of T T Or Pos-untary g itle o surance;session Of pPro erty

(3) Your interest in the property coveredLoss resulting fro your, or anyone act-m under this insurance; oring on your express or imp authorilied ty,

(4) A c m is insurance.lai under thbeing induced by any dishonest act toc. Conso dati Mergerli onv luntar part with t le to or possessiono ily it

of any property. If through consolidation or merger with, or5. A.7.Insuring Agreement does not apply to: purchase or acquisition o ilf assets or liab i-

ties of some other entit any addit, y, ionalComp duter Fraupersons become "emp oyees" or you ac-l

Loss resulting fro the use of a co tom mputer quire the use and control f any ionalo additf y cause a transfer of " , "sraudulentl money" e- "premises":curit ther property"ies" or "o .

(1) You must gi us written notice andveE. Con iodit ns obtain our written consent to extend

this insurance to such additionalThe fo Conditions apply in addition to thellowing"emp or "pre W mayloyees" mises". eCom Pol Conditmon icy ions:condit our consent upon paymention1. Con io Applica T All Ins ngdit ns ble o uriof n add t pre iu buta i ional m m;Agreements

(2) For the f 90 days af the e f c-irst ter f ea. Cancellati As T plon o Any Em oyeeti e date o such consolidation,v f

This insurance is cancelled as to any merger or purchase or acquis tion oi f"employee": assets or liabi it any insurance af-l ies,

forded for "e or "premmployees" ises"(1) I media upon disco y by:m tely veralso applies to these additional "em-(a) You; orployees" or "premises" for acts com-

(b) Any of your partners, "members", m ted or e ents occurr with thit v ing in is" of icers, directors ormanagers", f 90 day period.trustees not in collusion with the

d. Discovery"employee";(1) W wi l pay for loss that you sustaine lof " ft or any other dishonest actthe "

through acts comm tted or e oc-i ventscom i the "e loyee" whetherm tted by mpcurring at any t me and d vered byi iscobefore or a ter beco ing ef m mployedyou:by you.(a) During the po y per shown inlic iod(2) On the date speci ied in a notf ice

the Declarations; orma led to the f Named Insured.i irst(b) During the period o t me pro-f iThat date wi l be at least 30 days af-l

v ded in the E tended Period Toi xter the date f i ing.o ma lDiscover Loss Condition E g..1.W wil ma or del v our notice toe l il i er

(2) Disco o loss occurs when youvery fthe first Na Insured's last maimed lingf beco aware of fac whichirst me tsaddress known to us. If noti iscewould cause a re sonable person toa

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COMMERC CRIIAL ME

assume that a loss covered by th whether identi ied or not, ac ais f ting loneinsurance has been or will be i or in lusion with other s.n- col personcurred, e though the exactven (4) I the f Named Insured is an entityf irstamount or detai of loss may notls other than a P any pay welan, mentthen be known. make to that Insured for loss sus-Disco a occurs when you re- tained by any P l be held byvery lso lan wil thatcei e notice o an actual or potent Insured for the use and benef o thev f ial it fclai against you alleg that i Plan(s) sustaining them ing facts f loss.true would constitute a co lossvered (5) I two or more P are insured un-f lansunder this insurance. der this insurance, any payment we

e. Duties In T O Losshe Event f make for loss:

(a) Sustained by two or more Plans;A you disco r a loss or a situatfter ve ionthat may result in loss of or damage to or" "securit or "other property"money", ies" (b) O co m led " or "otherf m ing funds"you must: property" o two or lans;f more P(1) Noti y us as soon as possible. I youf f that arises out of one "occurrence", is

ha reason to belie e that any lossve v to be shared by each Plan sustaining(except for loss co under Insuvered r- loss in the proportion that the Li i om t fing Agree ) in l esments vo vA.1. or A.2. Insurance required for each Plana v ion o law, you must also no-iolat f bears to the tota f i its.l o those l mti y the local law enforce authori-f ment

(6) The Deductible A ount appl tom icableties.Insuring Agreement does notA.1.

(2) Subm to e mina under oath atit xa tion apply to loss sustained by any "em-our request and gi us a signedve ployee benef t pi lan(s)".statement o y answers.f our

g. Extended od T iscover LPeri o D oss(3) Gi us a detai sworn proof ove led, f

(1) W wil pay fo loss that you sus-e l rloss within 120 days.tained prior to the e fect v date of i e f

(4) Cooperate with us in the in igationvest ter tion or cance tion o this in-mina lla fand settle f la m.ment o any c i surance, which is disco ered by youv :

f. Empl Plaoyee Benefit n(s) (a) No later than 60 days from the(1) The "e bene it pmployee f lan(s)" date of that ter ina l-m tion or cance

shown in the Declarations are i latn- ion; andcluded as Insur s under Insuringed (b) As respects any "employee bene-Agreement A.1. f t plan(s)", no later than 1 yeari

(2) I any "e bene t plan(s)" isf mployee fi f m th date of that ter inationro e minsured joint with any other ent or cancel ion.ly ity latunder this insurance, you or the Plan (2) Howe this e period to d s-ver, xtended iAdm istrator must select a Li i oin m t f co loss term im ediatever inates m lyInsurance for Insuring Agreement upon the ef i e date o any otherfect v fA.1. that is suf ic to pro ide af ient v insurance obtained by you replacingLi it o Insurance for each P thatm f lan in whole or in part the insurance af-is at least equal to that required if forded hereunder, whether or noteach Plan were separately insured. such other insurance pro ides co r-v ve

(3) W t respect to losses sustained ori h age for loss sustained prior to its ef-disco by any such Plan, Insur- fec i e date.vered t ving Agree is r placed by thement eA.1. h. Joint Insuredfo lowing:l

(1) I more than one Insured is named infW wil pay for loss of or damage toe l the Declarat the first Na In-ions, med" and "other property" resultingfunds" sured will act for itsel and for e eryf vdirect f m f or dly ro raudulent ishonest other Insured for all purposes of thisacts com i by an "e loyee",m tted mp insurance. I the f Named Insuredf irst

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COMMERC MEIAL CRI

ceases to be covered, then the ne the broadened coverage wil i m iatext l m ed lyNamed Insured will beco the f rst apply to is insurance.me i thNamed Insured. k. Loss Covered U M T Onender ore han

(2) Coverage Of T InsI any Insured, or partner, " mber"f me his uranceor o f o that Insured has knowl-f icer f I two or more v thisf co erages of insuranceedge of any in ma ion rele ant tofor t v apply to the same loss, we wil pay thelthis insur that knowledge isance, lesser of:considered knowledge of e ery In-v

(1) The actual mount o loss; ora fsured.(2) The sum o the Li i o Insurancef m ts f(3) An "emp o any Insured is con-loyee" f

applicab those cole to verages.sidered to be an "e o e erymployee" f vInsured. l. Non-C latio Of imit Iumu n L Of nsurance

(4) I th insurance or any of i co r-f is ts ve Regardless of the number of years thisages is cancelled or ter inated as tom insurance remains in force or the numberany Insured, loss sustained by that of pre iu paid, no Li i o Insurancem ms m t fInsured is co onl i discovered y f vered cumu fro year to year or polic plates m y e-by you during the period o t me pro-f i riod to icypol period.v ded in the E tended Period To D s-i x i m. Other uranceInsco Loss Conditionver E.1.g.

This insurance does not apply to loss re-Howe this e period to d s-ver, xtended i co le or reco ered under other in-verab vco loss term as to that Iver inates n- surance or indemn . I the li i o theity f m t fsured im iate upon the e f i emed ly f ect v other insurance or indemni is insuf i-ty fdate of any other insurance obtained cient to co er the enti amount o thev re fby that Insured replacing in whole or loss, this insurance will apply to tha parttin part the insurance af herforded e- of the loss, other than that fa ling withinlunder, whether or not such other in- any Deductible A not reco erablemount, vsurance prov co for lossides verage or reco other insurance orvered under thesustained prior its e fec veto f ti date. inde ty.mni

(5) W wil not pay more for loss sus-e l Howe th insurance wil not apply tover, is ltained by more than one Insured than the amount o loss that is more than thefthe amount we would pay i a l thef l applicab m t o Insurance shown in thele Li i floss had been sustained by one In- Declarations.sured.

n. Ow p Of Pr I Conershi operty; nterests v-i. Legal nst UsAction Agai ered

You may not br any legal ac ioning t The property co under this insuvered r-against us in l i loss:vo v ng ance is l m to propertyi ited :(1) Unless you have co ied with all thempl (1) That you own or lease;

ter o is inms f th surance;(2) That you ho forld others; or

(2) Unti 90 days after you ha fl ve iled(3) For which you are legal l , ely iable x-proof o loss with us; andf

cept for propert inside the pre isesy m(3) Unless brought within 2 years from of l ent" f yours.a "c i o

the date you d ver loss.isco theHowe th insurance is for your bene-ver, is

I any l m ion is prohibited by law, suchf i itat f t only. I pro ides no rights or benefits toi t vli i ion is amended so as to equal them tat any other person or organization. Anym i m period o li i t pro ided byin mu f m ta ion v clai for loss that is covered under thismsuch law. insurance must be presented by you.

j. Li onberalizati o. RecordsI we adopt any rev that wouldf ision You must keep records of all propertybroaden the coverage under this insur- co under this insurance so we canveredance without addit m m 45ional pre iu within v i the a o anyer fy mount f loss.days prior to or during the pol period,icy

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COMMERC CRIIAL ME

p. Recoveries (ii) In the United S of A r-tates meica dol equi a deter-lar v lent(1) Any reco ies, less the cost of over b-m by the ra o eined te f x-tain the made a sett menting m, fter lechange published in The lWalof loss co by th insu ance willvered is rStreet Journal on the day thebe distributed as llows:foloss was discovered.

(a) To you, unt you are reiil mbursed(b) Loss of "securit but only up toies"for any loss that you sustain that

and including their v lue at theaexceeds the Lim o Insuranceit fclose of business on the day theand the Deductible A , imount floss was discovered. W may ate ,any;our option:

(b) Then to us, unt we are reiil m-(i) Pay the va o such "secu-lue fbursed for the settlement made;

rit m ind,ies" or replace the in kandin which e ent you must av s-

(c) Then to you, until you are reim- sign to us all your rights, titlebursed for that part o the lossf and interest in and to thoseequal to the Deductible Amount, "securities"; ori any.f

(ii) Pay the cost of any Lost Se-(2) Reco ies do not include any recover v- curit Bond required inies

ery: connection with issuing dupli-cates of the "securities".(a) Fro insurance, suretyship, rein-mHowe we wil be lver, l iablesurance, security or inde itymnonly for the payment o softaken benef ; orfor our itmuch o the cost of the bondf(b) O or inal "securit af duplf ig ies" ter i-as would be charged for acates of m ha e been ed.the v issubond ha a penalt notving y

q. Territory exceeding lesser of the:theThis insurance covers acts com it orm ted i. Value o the "securitf ies"e occurring within the United Statesvents at the close of businessof A ica ( luding its terr tories andmer inc i on the day the loss waspossessions), Puerto Rico and Canada. disco ered; orv

r. Tra Of Your Ri Of Recoverynsfer ghts ii. Li it o Insurance.m fAgainst Ot Thers o Us

(c) Loss of or da to "othermageYou must transfer to us all your rights of property" or loss fro da tom magereco aga any person or organizvery inst a- the "prem or its exterior forises"tion for any loss you sustained and for the replace cost of the proment p-which we have paid or sett You mled. ust erty without deduction for depre-also do e ing necessary to secureveryth ciat Howe we will not payion. ver,those rights and do nothing af loss toter more than the least o the fo w-f lloi r the .mpai m ing:

s. Valuati n Setto lement (i) The Li t o Insurance appli-mi fcable to the lost or damaged(1) BSubject to Sec L m O Insution i it f r-.property;ance, we will pay for:

(ii) The cost to rep the lost orlace(a) Loss of " but on up tomoney" lydamaged property with prop-and including i face v lue. Wts a eerty o co materf mparable ialmay at our option pay for loss of, ,and qualit and used for they" issued by any countrymoney"same purpose; orother than the United States of

A :merica (iii) The amount you actuallyspend that is necessary to(i) At fa va in the "ce lue money"repair or replace the lost orissued by that country; ordamaged property.

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W wi not pay on a replacement that is not possible, an af ida i sette ll f v t ingcost basis for any loss or dam- for the mount and cause of loss.th aage: d. Territory(i) Unti the lost or dal maged W wi co er loss you sustain anywheree ll v

property is actual repairedly in the world. The Terr Condi ionitory tor replaced; and E.1.q. does not apply to Insuring Agree-

(ii) A.2.Unless the repairs or re- mentplace are made as soonment 4. Con io Applicab To I n Agree-dit ns le nsuri gas reasonably possible after ments A.4. And A.5.the loss or damage.

a. Armored Motor icle C iesVeh ompanI the lost or damaged property isf

Under Insuring Agreement we willA.5.,not repaired or rep we willlaced,only pay for the a o loss you c n-mount f apay on an actual cash va ba-luenot reco r:vesis.(1) Under your contract with the armored(2) W may at our option, pay for loss ofe ,

mo v icle mpany; andtor eh coor damage to property other than"money": (2) Fro any insurance or indemnity car-m

ried by, or for the benef o custoit f m-(a) In the " o the country inmoney" fers of, the ar motor v clemored ehiwhich the loss occurred; orcompany.

(b) In the United Sta of A icates merb. Special Lim Of Ins F S i-it urance or pecdollar equi a o the " y"v lent f mone

fied Propertyof the countr in which the lossyoccurred determ by the rateined W wil only pay up to $5,000 for any onee lof e published in Thexchange "occurrence" o loss of or mage to:f daW l S Journal on the daya l treet (1) Precious meta precious or sem -ls, ithe loss was discovered. precious stones, pearls, furs, or com-

(3) Any property that we pay for or re- pleted or partia y co ple articll m ted lesplace becomes our property. made o or contain such materiaf ing ls

that constitu the pr ipal v lue ote inc a f2. Con io Applica T I ng Agree-dit n ble o nsurisuch a ticles; orrment A.1.

(2) Manuscripts, drawings, or records ofTerritoryany kind or the cost o reconstructingf

W wil pay for loss caused by any "ee l m- them or repr ducing any in mao for tionployee" while temporar ly outside the territoryi contained in mthe .specif in the Te r y Condit foried r itor ion E.1.q.

5. Con io Applicab To I n Agree-dit ns le nsuri ga period o not than 90 days.f morement A.6.

3. Con io Applicab To I n Agree-dit ns le nsuri ga. Special Lim Of Ins F S i-it urance or pecment A.2.

fied Propertya. Deducti leb

W wil only pay up to $5,000 for any onee lThe Deductible A does not apply tomount "occurrence" o loss of or da tof magelegal expenses paid under Insuring manuscripts, drawings, or records of anyAgreement A.2. kind or the cost of reconstructing them or

b. Electron Mechan ig uresic And ical S nat reproducing any in ma conta infor tion inedthem.W wil ucede l treat signatures that are prod

b. Territoryor reproduced electronical , mechani-lycall or by other means the same asy W wi co er loss you sustain anywheree ll vhandwritten signatures. in the world. The Terr Condi ionitory t

c. Proof L E.1.qOf oss . does not apply to Insuring Agree-ment A.6.You must inc with your proo o losslude f f

any instru in ol in that loss, or, iment v ved f

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F. Definit nsio an independent contractor, of any"emp benef plan(s)" in-loyee it1. "Banking pre means the interior o thatmises" fsured under this insu ance; andrportion o any bui occup by a bankf lding ied ing

(b) Your direc or trustee while thattorinstitu si i depository.tion or m lar safeperson is handling "funds" or2. "Cl means any entity for whom you peient" r-"other property" of any "e ployeemfor ser ices under a writ .m v ten agreementbenefi plan(s)" insured under thist

3. "Counterfe " means an im ion o an actualit itat f insurance;.v lid or inal which is intended to decei e anda ig v

(5) Any natural person who is a formerto be taken as the or l.igina"emp ee", direc partner, " m-loy tor, me

4. "Custodian" means you, or any of your part- ber", " representati ormanager", veners or "me or any "e loyee" whilembers", mp trustee retained as a consultant whileha ing care and custody o propert insidev f y perfor ing ser i you; orm v ces forthe "prem exc any person whileises", luding

(6) Any natural person who is a guestacting as a "watchperson" or janitor.student or intern pursuing studies or

5. "E :mployee" duties, exc ing, ho ever, any suchlud wperson while ha ing care and custodyva. "E means:mployee"of the "pre ises".property outside m(1) Any natural person:

b. "E does not mean:mployee"(a) W i in your ser ice or for 30h le v(1) Any agent, broker, factor co m s-, m idays after m ion o ser ice;ter inat f v

sion merchant consignee, indepen, d-(b) W you co direct byho mpensate lyent contractor or representati e of thevsalary, wages or com issions;msame general character; orand

(2) Any " direc or or trusteemanager", t(c) W you ha e the r to dho v ight irectexcept whi per m acts cole for ing mingand control while per m sefor ing r-within the scope of the usual duties ofv ces ;i for youan "employee".

(2) Any natural person who is furnished6. "E bene it plan(s)" means any wel-mployee fte ly ou:mporari to y

fare or pension benef plan shown in theit(a) To substitute for a permanent Declarat that is subject to the E loyeeions mp

"emp as de in Para-loyee" fined Retire Inco Securi Ac o 1974 (ER-ment me ty t fgraph above who is on lea(1) , ve; ISA).or

7. "Forgery" means the signing of the name of(b) To mee seasonal or short-termt another person or organization with intent to

work load conditions; decei ; it does not mean a signature whichveconsists in whole or in part o one's ownfwhile that person is subject to your di-name signed with or without authority in any,rection and cont and per mrol for ingcapacity for, any purpose.serv for you, e lud howeices xc ing, ver,

any such person while ha ing carev 8. "Fraudulent ion"instruct means:and custody of property outside the

a. An electroni legraphic, cab letype,c, te le, te"premises";tele m le or te instructfacsi i lephone ion

(3) Any natural person who is leased to which purports to have been transm tedityou under a written agreement be- by you, but which was in fact fraudulentlytween you and a labor leasing f m, toir transmi by someone else w yourtted ithoutperfor dut related to the conductm ies knowledge or consent;of your business, but does not mean

b. A written instruct (other than those dion e-a te e ployee as def inmporary m inedscribed in Insuring Agreement ) is-A.2.Paragraph abo(2) ve;sued by you, which was forged or altered

(4) Any natural ho is:person w by someone other than you without yourknowledge or consent, or which purports(a) A trustee, o f e loyee, ad-f icer, mpto ha been issued by you, but was invem istrator or xcept anin manager, e

adm or ma ager who isinistrator n

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17. "Robbery" means the unlawfu tak o prop-l ing ffac fraudulent issued without yourt lyknowledge or consent; or erty fro the care and custody of a person bym

one who has:c. An electroni legraphic, cab letype,c, te le, tea. Caused or threatened to cause that per-tele m le, te or written instruc-facsi i lephone

tion ini l recei by you which pu son bodily har ortia ly ved r- m;ports to ha been transm ted by anve it b. Com i an ob iously unlaw ac wim tted v ful t t-"emp oyee" but which was in fac f u-l t raud nessed by that person.lent transm ted by someone else witly it h-

18. "Sa burglary means the unlaw tak f:fe " ful ing oout your or the "employee's" knowledgeor consent. a. Property fro within a locked safe orm

v lt by a person unlawful enter theau ly ing9. "Funds" means " ties".money" and "securisafe or v lt as e idenced by marks oau v f

10. "Manager" means a person ser a direving in c- for le entr ts ex ior; orcib y upon i tertoria ity for li i liab i mpanyl capac a m ted il ty co .

b. A safe or v t ro inside the mises".aul f m "pre11. "Me means an owner of a l m ted l lmber" i i iabi ity

19. "Securi means negotiable and nonnego-ties"company represented by its me imbership n-tiab instruments or con representingle tractsterest, who also may ser e as a "v manager".either " oney" or propert includes:m y and

12. "Messenger" means you, or a relati e ov fa. Tokens, tickets, re enue and othervyours, or any o your partners or " mbers",f me

stamps (whether represented by actualor any "employee" while ha ing care and cus-vstamps or unused value in a meter) intody o y outside the mises".f propert precurrent use; and

13. "Money" means:b. E idences of debt issued in connectionv

a. Currency, coins and bank notes in current with credit or charge cards, which cardsuse and hav fa v lue; anding a ce a are not issued by you;

b. Tra elers checks, register checks andv but does not inc money".lude "money orders held or sale lif to the pub c.

20. "The means the unlawful tak o "ft" ing f money",14. "Occurrence" means: "securities" or "other property" to the depri a-v

a. A.1.,As respects Insuring Agreement all tion o the nsured.f Iloss caused by, or in v one or morevol ing, 21. "Transfer account" means an account ma n-i"emp whether the result of a siloyees", n- tained by you at a f ial insti ion froinanc tut mgle act f acts.or series o which you can init , payment oriate the transfer

b. A.2.,As respects Insuring Agreement all deli ery f funds":v o "loss caused by any person or in which a. By means of electron te ca-ic, legraphic,that person is i vol ed, whether the lossn v ble, te tele csi ile or telephoneletype, fa min ol es one or instruv v more ments. instructions com unica directm ted ly

c. As respects all other Insuring Agree- through an electron funds transfer sys-icments: te orm;

(1) b.An act or series of rela vo v By means of written instruct (otherted acts in l - ionsing one or persons; or than those described in Insuring Agremore e-

ment ) establishing the conditionsA.2.(2) An act or e ent, or a series o relatedv funder which such transfers are to be initi-acts or e not in o v any per-vents v l ingated by such financia insti ion throughl tutson.an electron funds transic fer system.

15. "Other property" means any tangible property22. " atchperson" means any person you retainWother than " and "securit that hasmoney" ies"

specif ll to ha care and custody o prop-ica y ve fintr v lue but does not include any proinsic a p-erty inside the "pre ises" and who has nomerty e luded under thxc is insurance.other duties.

16. "Pre means the interior o that portionmises" fof any bui ing you occup in conduct yourld y ingbusiness.

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COMMERCIAL CRIME COVERAGE FORM(LOSS SUSTAINED FORM)

Various prov in this policy restric co prem r sulting d ect f m "the t",isions t verage. ises" e ir ly ro fRead the entire policy care lly to deter r disappearance or destruction.fu mine ights,duties and what is or is not co ered.v b. W wi l pay for loss fro da to thee l m mageThroughout this pol the words "you" and "your" r "prem or its e ior result d lyicy e- ises" xter ing irectfer t the Named Insured shown in the Declarations. f m an ac or at mpted " ft" oo ro tual te the fThe words "we", "us" and "our" refer to the Co " and "securities", i you are thempany money" fpro iding this owner of the "pre ises" or are liable forv insurance. m

damage to t.iOther words and phrases that appear in quotationmarks ha specia meaning. Re to Sec W wi pay for loss of or damage to ave l fer tion e llF. c.Def t locked safe v lt,ini ions. , au cash register, cash box

or cash drawer located inside the "prem-A. Insur g Agreementsinises" resulting d tly fro an actua orirec m l

Co is pro ided under the fo Insuringverage v llowing atte " ft o or unlaw entry intompted the " f fulAgreements for which a Lim o Insurance isit f those containers.shown in the Declarations:

4. Insi The Premises Robbery Or Safede1. Empl Toyee heft Burglary Ot pertyOf her Pro

W wil pay for loss of or da to "e l mage money", a. W wil pay for loss of or da toe l mage"securities" and "other property" resulting di- "other property":rectly f m " ft" co m ted by an "em-ro the m it

(1) Inside the "pre resulting di-mises"ployee", whether identi or not, actfied ingrectly f m an actual or attero mptedalone or llusion within co other persons."robbery" o "custodian"; orf a

2. Forgery Or Alteration(2) Inside the "pre ises" in a safe orm

a. W wil pay for loss resulting direc roe l tly f m v lt result direct f m an actualau ing ly ro" or a ion o checks, dra ts,forgery" lterat f f or atte "safe bu g .mpted r lary"prom notes, or sim lar writ p m-issory i ten ro

b. W wi l pay for loss fro da to thee l m mageises, orders or directions to pay a sum"prem or its e ior result d lyises" xter ing irectcertain " that are:in money"f m an actual or atte ted "robbery" orro mp

(1) Made or drawn by or drawn upon "safe burglary" o "other property" i youf , fyou; or are th owner of the "prem or are li-e ises"

able for da to .mage it(2) Made or drawn by one acting as youragent; c. W wi pay for loss of or damage to ae ll

locked safe or v t located inside theaulor that are purported to ha e been sov"prem resulting direc ly f m an aises" t ro c-made or drawn.tual or atte ted "robbery" or "safe bump r-b. I you are sued for re to pay an in-f fusing yglary".strument co ered in Paragraph above,v a.

5. Outs T Premiseside heon the basis that it has been forged or al-tered, and you ha e our wri consentv tten a. W wil pay for loss of " and "se-e l money"to de against the suit, we will pay forfend curit outside the "premises" in theies"any reasonable legal e that youxpenses care and custody of a " or anmessenger"incur and pay in that de Thefense. armored motor veh le co resultic mpany ingamount tha we will pay is in addit tot ion direct m "the t", d or de-ly fro f isappearancethe Li i o Insurance appli to thm t f cable is struction.Insuring Agreement.

b. W wil pay for loss of or da toe l mage3. Insi T T Mode he Premises heft Of ney And "other property" outside the "pre ises" inm

Securities the care and custody of a "messenger" oran armored mo veh le co rtor ic mpany e-a. W wil pay for loss of " and "se l money" e-

curit inside the "pre ises" or "bankingies" m

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sulting direct fro an actual or at- whether acting alone or in co lusion withly m lte "ro bery". other persons.mpted b

6. Comp d b. Acts Of Employees, Mana Direuter Frau gers, c-tors, usteesTr Or RepresentativesW wil pay for loss of or da to "e l mage money",

"securities" and "other property" resulting d Loss resulting f m "the t" or any otheri- ro frectly f m the use of any computer to u- dishonest act com i by any of yourro fraud m ttedlent cause a transfer of that property fro "emp " direc truly m loyees", managers", tors, s-inside the "pre ises" or "ban ing pre ises": tees or authorized representati es:m k m v

a. (1)To a person (other than a " W ther acting alone or in colmessenger") he lusionoutside those "prem with other persons; orises"; or

b. (2)To a p se "pre ises". W i per m ser ices for you orlace outside tho m h le for ing votherwise;7. Fu T Fraudnds ransfer

except when co under InsuringveredW wi l pay for loss of " resulting di-e l funds"Agreement A.1.rectly f m a " t instruct direc ingro fraudulen ion" t

c. Governmen ntal Actioa f ial tut transfer, i erinanc insti ion to pay or del v" fro your account"funds" m "transfer . Loss resulting fro seizure or destructm ion

8. Money Orders And Cou Paper Cur-nterfeit of property by order of go ern l av menta u-rency thority.

d. In LossdirectW wil pay f loss resulting d ly f me l or irect royour hav accepted in good fai in ex-ing th, Loss that is an indirect result of any act orchange for merchandise, " or semoney" r- "occurrence" co by th insurancevered isv ces:i includ but not l m to loss resultinging, i ited ,a. Money orders issued by any post of ice,f f m:ro

express company or bank that are not (1) Your inabi ty to real inco thatli ize mepaid upon presentation; or you would have real had thereized

b. "Counterfe " paper currency that is ac-it been no loss of or da tomagequired during the regular course of busi- " "securi or "other prop-money", ties"ness. erty".

B. Limit Of I nce (2)nsura Pay o da of any t forment f mages ypewhich you are legally l But weiable. ,The most we will pay for loss in any one "occur-will pay co damages aris-mpensatoryrence" is the appl L m t o Insurance shownicable i i fing direc ly f m a loss co undert ro veredin the aratDecl ions.this insurance.

C. Deductible(3) Pay of costs, fees or other ex-ment

W wil not pay f loss in any one "occurrence"e l or penses you incur in establ ei-ishingunless the amount o loss exceeds the Deductiblef ther the e istence or the a ox mount fA shown in the Declarat W wil thenmount ions. e l loss under this insurance.pay the a o loss in e of the Deductmount f xcess i-

e. Legal nsesExpeble A up to the Li it o Insurance. In themount, m fe mo than one Deductib A un could Expenses related to any legal action, ex-vent re le mo tapply to the same loss, only the highest Deducti- cept when co under Insuringvered

Agreement A.2.ble A may be app .mount lied

D. Exclusi f. Nuclearons

1. This insurance does not apply to: Loss resulting f m nuc react nu-ro lear ion,clear radia or radioact v con mina-tion i e taa. Acts Committed By Y , Y nersou our Parttion, or any re t or ident.lated ac incOr Y Membersour

g. War And Similar ActionsLoss resulting f m "the t" or any otherro fdishonest act co m tted by Loss resulting f m war, whether or notm i : ro

declared, warlike act insurrection, rion, e-(1) You; orbell or re lut or any related act orion vo ion,

(2) Any o partners or " mbers";f your me incident.

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2. A.1.Insuring Agreement does not apply to: " deposited in it is recorded by amoney"continuous recording instrument in thea. Empl Cancelled Un Prior Ioyee der n-de ice.vsurance

e. Mot Vehicles Or Eq pment And Ac-or uiLoss caused by any "emp o yours,loyee" fcessoriesor predecessor in interest o yours, fof r

whom sim lar pr insurance has been Loss of or da to m v ici ior mage otor eh les,cancelled and not reinstated since the trai or semi tra or equip andlers - ilers mentlast such cancella . accessories attached to the .tion m

b. Invent horta f. Tra Surren f Prory S ges nsfer Or der O operty

(1) Loss of or da to property a ter itmage fLoss, or that part of any loss, the proof ofwhich as to its ex or amount is d has been transferred or surrenderedistence e-pendent upon: to a person or place outside the

"prem or "banking pre ises":ises" m(1) An in entory mputat orv co ion;(a) On t basis of unauthorized in-he(2) A pro it and ion.f loss computat

structions;Howe where you establish whollyver,

(b) As a result o lyf a threat to do bodiapart fro such co ions that youm mputatharm to any person; orha loss, then you may ofve sustained a fer

(c) As a result of a threat to do dam-your in entory records and actual physi-vcal count o in entory in support o the age to any property.f v famount o loss clai .f med (2) But, this E lusion does not applyxc

c. Tra ng A.5.di under Insuring Agreement toloss of " "securi or "othermoney", ties"Loss resulting direct or indirec ly froly t mproperty" while outside the "prem-trading, whether in your name or in aises" in the care and custody of agenuine or ict ious account.f it" nger" i you:messe f

d. Warehouse Receipts(a) Had no knowledge of any threat

Loss resulting fro fraudulent or dishom n- at the ti the con bme veyance e-est signing, issuing, cancel or fa ing toing il gan; orcancel, a warehouse rec or any pa-eipt

(b) Had knowledge of a threat at thepers connected with it.ti the con yance began, butme ve

3. A.3., A.4. A.5.Insuring Agreements and do the loss was not related to thenot apply to: threat.a. Accountin Or Arithmetical Errors Org g. Vandalism

OmissionsLoss fro mage to mm da the "pre ises" or its

Loss resulting fro account or arith-m ing exter , or to any sa , v lt cash regis-ior fe au ,me l er missions.tica rors or o ter, cash box, cash drawer or "other

property" by vandal m or mal ious m s-is ic ib. Exchanges Or Purchaseschief.Loss resulting fro the gi i or surren-m v ng

h. Vol Partin Of T T Or Pos-untary g itle odering o propert in any e change orf y xsession Of pertyPropurchase.

Loss resulting fro your, or anyone act-mc. Fireing on your express or imp authorilied ty,Loss resulting fro f howe caused,m ire, verbeing induced by any dishonest act toexcept:v luntar part with t le to or possessiono ily it

(1) Loss of or da to " andmage money" of any property."securities"; and

4. A.6.Insuring Agreement does not apply to:(2) Loss fro damage fe or ltm to a sa vau .

a. Exchanges Or urchasesPd. Money perated DevicesO

Loss resulting fro the gi i or surren-m v ngLoss of property contained in any money dering o propert in any e change orf y xoperated dev unless the amount ofice purchase.

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b. Fu T Fraudnds ransfer ma led, proo o ma ing wil be suf i-i f f il l fcient proo o notif f ce.Loss resulting fro a " raudulent instrum f c-

b. Concealment Misrepresentati Or, ontion" direc a f l insti ion toting inancia tutFraudtransfer, pay or deli er " fro yourv funds" m

"transfer account". This insurance is vo in any case ofidc. Invent hortaory S ges f ou as it relates to this insuranceraud by y

at any ti I is also vo i you or anyme. t id fLoss, or that part of any loss, the proof ofother Insured, at any time, intent lyionalwhich as to its ex or amount is distence e-conceal or m a mater fisrepresent ial actpendent upon:concerning:

(1) An in entory mputat orv co ion;(1) This insurance;

(2) A pro it and ion.f loss computat(2) The property co ered under th in-v is

d. Vol Partin Of T T Or Pos-untary g itle o surance;session ProOf perty

(3) Your interest in the property coveredLoss resulting fro your, or anyone act-m under this insurance; oring on your express or imp authorilied ty,

(4) A c m is insurance.lai under thbeing induced by any dishonest act toc. Conso dati Mergerli onv luntar part with t le to or possessiono ily it

of any property. If through consolidation or merger with, or5. A.7.Insuring Agreement does not apply to: purchase or acquisition o ilf assets or liab i-

ties of some other entit any addit, y, ionalComp duter Fraupersons become "emp or you ac-loyees"

Loss resulting fro the use of any com mputer quire the use and control f any ionalo additto fraudu y cause a transfer o "lentl f money", "premises":"securities" or "o .ther property"

(1) You must gi us written notice andveE. Con iodit ns obtain our written consent to extend

this insurance to such additionalThe fo Conditions apply in addition to thellowing"emp or "pre W mayloyees" mises". eCom Pol Conditmon icy ions:condit our consent upon paymention1. Con io Applica T All Ins ngdit ns ble o uriof it pre iu butan add ional m m;Agreements

(2) For the f 90 days af the e f c-irst ter f ea. Cancellati As T plon o Any Em oyeeti e date o such consolidation,v f

This insurance is cancelled as to any merger or purchase or acquis tion oi f"employee": assets or liabi it any insurance af-l ies,

forded for "e or "premmployees" ises"(1) I media upon disco y by:m tely veralso applies to these additional "em-(a) You; orployees" or "premises" for acts com-

(b) Any of your partners, "members", m ted or e ents occurr with thit v ing in is" of icers, directors ormanagers", f 90 day period.trustees not in collusion with the

d. Duties In T O Losshe Event f"employee";A you disco r a loss or a situatfter ve ionof " ft or any other dishonest actthe "that may result in loss of or damage tocom i the "e loyee" whetherm tted by mp" "securit or "other property"money", ies"before or a ter beco ing ef m mployedyou must:by you.(1) Noti y us as soon as possible. I youf f(2) On the date speci ied in a notf ice

ha reason to belie e that any lossve vma led to the f Named Insured.i irst(except for loss co under Insuvered r-That date wi l be at least 30 days af-ling Agree or ) in l esments vo vA.1. A.2.ter the date f i ing.o ma la v ion o law, you must also no-iolat f

W wil ma or del v our notice toe l il i er ti y the local law enforce authori-f mentthe first Na Insured's last maimed ling ties.address known to us. If noti isce

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(2) Subm to e mina un oath atit xa tion der apply to loss sustained by any "em-our request and gi us a signed ployee benef t pve i lan(s)".statement o your wers.f ans f. Extended od T iscover LPeri o D oss

(3) Gi us a detai sworn proof ove led, f (1) W wil pay fo loss that you sus-e l rloss within 120 days. tained prior to the e fect v date of i e f

(4) Cooperate with us in the in igationvest ter tion or cance tion o this in-mina lla fand settle f la m. surance, which is disco by youment o any c i vered

no later than 1 year fro the date ofme. Empl Plaoyee Benefit n(s)that ter inat ca cel ion.m ion or n lat

(1) The "e bene it pmployee f lan(s)"(2) Howe this e period to d s-ver, xtended ishown in the Declarations are in-

co loss term im ediatever inates m lycluded as Insureds under Insuringupon the ef i e date o any otherfect v fAgreement A.1.insurance obtained by you replacing

(2) I any "e bene t plan(s)" isf mployee fi in whole or in part the insurance af-insured joint with any other ently ity forded hereunder, whether or notunder this insurance, you or the Plan such other insurance pro ides co r-v veAdm istrator must select a Li i oin m t f age for loss sustained prior to its ef-Insurance for Insuring Agreement fec i e date.t vA.1. that is suf ic to pro ide af ient v

g. Joint InsuredLi it o Insurance for each P thatm f lan(1) I more than one Insured is named infis at least equal to that required if

each Plan were separately insured. the Declarat the first Na In-ions, medsured will act for itsel and for e eryf v(3) W t respect to losses sustained ori hother Insured for all purposes of thisdisco by any such Plan, Insur-veredinsurance. I the f Named Insuredf irsting Agree ent is r placed by them eA.1.ceases to be covered, then the nextfo lowing:lNamed Insured will beco the f rstme i

W wil pay for loss of or damage toe l Named Insured." and "other property" resultingfunds"

(2) I any Insured, or partner, " mber"f medirect f m f or dly ro raudulent ishonestor o f o that Insured has knowl-f icer facts com i by an "e loyee",m tted mpedge of any in ma ion rele ant tofor t vwhether identi ied or not, ac af ting lonethis insurance, that knowledge isor in lusion with other sons.col perconsidered knowledge of e ery In-v

(4) I the f Named Insured is an entityf irst sured.other than a P any pay welan, ment

(3) An " loyee" o any Insured is coemp f n-make to that Insured for loss sus-sidered to be an "e o e erymployee" f vtained by any P l be held bylan wil thatInsured.Insured for the use and benef o theit f

(4) I th insurance or any of i co r-f is ts vePlan(s) sustaining the loss.ages is cancelled or ter inated as tom(5) I two or more P are in uf lans sured n-any Insured, loss sustained by thatder this insurance, any payment weInsured is co onl i discovered y f veredmake for loss:by you during the period o t me pro-f i

(a) Sustained by two or more Plans; v ded in the E tended Period To D s-i x ior co Loss Conditionver E.1.f.

(b) O co m led " or "otherf m ing funds" Howe this e period to d s-ver, xtended iproperty" o two or lans;f more P co loss term as to that Iver inates n-

sured im iate upon the e f i emed ly f ect vthat arises out of one "occurrence", isdate of any other insurance obtainedto be shared by each Plan sustainingby that Insured replacing in whole orloss in the proportion that the Li i om t fin part the insurance af herforded e-Insurance required for each Planunder, whether or not such other in-bears to the tota f i its.l o those l msurance prov co for lossides verage(6) The Deductible A ount appl tom icablesustained prior its e fec veto f ti date.Insuring Agreement does notA.1.

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(5) l. Loss S nedW wil not pay more for loss sus-e l ustaitained by more than one Insured than Subject to the Loss Sustained Duringthe amount we would pay i a l thef l Prior Insurance Condition we willE.1.m.,loss had been sustained by one In- pay for loss that you sustain through actssured. com i or e occurring during them tted vents

h. Legal nst UsAction Agai policy period shown in the Declarationsand disco :vered by youYou may not br any legal ac ioning t(1) During the po cy perli iod; oragainst us in l i loss:vo v ng

(1) (2)Unless you have co ied with all the During the period of ti e pro ided inmpl m vter o is insurance; the Extended Period To Discoms f th ver

Loss Condition E.1.f.(2) Unti 90 days after you ha fl ve iledm. Loss S ned ng or Iustai Duri Pri nsuranceproof o loss with us; andf

(3) (1)Unless brought within 2 years fro I you, or any predecessor in interest,m fthe date you d ver loss. sustained loss during the period ofisco the

any prior insu ance that you or therI any l m ion is prohibited by law, suchf i itatpredecessor in interest could ha evli i ion is amended so as to equal them tatreco under that insurance ex-veredm i m period o li i ion pro ided byin mu f m tat vcept that the t me within which to dii s-such law.co loss had expired, we will payver

i. Li onberalizati for it under insurance, pro ided:this vI we adopt any rev that wouldf ision (a) This insurance became ef i efect vbroaden the coverage under this insur- at the ti o cancel ion or ter-me f latance without addit m m 45ional pre iu within m ion o the pr insurance;inat f iordays prior to or during the pol period,icy andthe broadened coverage wil i m iatel m ed ly

(b) The loss would ha been cov-veapply to is insurance.thered by this insurance had it

j. Loss Covered U M T Onender ore han been in ef ct when the acts orfeCoverage Of T Ins cehis uran e causing the loss werevents

com i occurred.m tted orI two or more v thisf co erages of insuranceapply to the same loss, we wil pay thel (2) The insurance under this Condition islesser of: part of di ion to, the Li i, not in ad t m ts of

Insurance applying to th insuranceis(1) The actual mount o loss; ora fand is li ited to the lesser of them(2) The sum o the Li i o Insurancef m ts famount vereco rable under:applicab to verages.le those co(a) This insurance as of i e fect vts f i ek. Loss Covered Un Th I nceder is nsura

date; orAnd Prior I e Issued By Us Ornsuranc(b) The prior insurance had it re-Any Affiliate

ma in e fecined f t.I loss is cof any vered:n. Other Insurance(1) Partl thisy by insurance; and

This insurance does not apply to loss re-(2) Partl by any prior cancelled or tey r-co le or reco ered under other in-verab vm insurance that we or any af-inatedsurance or indemn . I the li i o theity f m t ff l had issued to you or anyi iateother insurance or indemni is insuf i-ty fpredecessor in interest;cient to co er the enti amount o thev re f

the most we will pay is the large o ther f loss, this insurance will apply to tha parttamount reco erable under this insurancev of the loss, other than that fa ling withinlor the pr insurance.ior any Deductible A not reco erablemount, v

or reco other insurance orvered under theRegardless of the number of years thisinde ty.mniinsurance remains in force or the number

of pre iu paid, no Li i o Insurancem ms m t f Howe th insurance wil not apply tover, is lcumu fro year to year or polic plates m y e- the amount o loss that is more than thefriod to icypol period.

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s. Tra Of Your Ri Of Recoverynsfer ghtsapplicab m t o Insurance shown in thele Li i fAgainst Ot Thers o UsDeclarations.

o. Ow rshi Of Pr I Cone p operty; nterests v- You must transfer to us all your rights ofered reco aga any person or organizvery inst a-

tion for any loss you sustained and forThe property co under this insuvered r-which we have paid or sett You mled. ustance is l m to propertyi ited :also do e ing necessary to secureveryth

(1) That you own or lease; those rights and do nothing af loss toteri r the .mpai m(2) That you ho forld others; or

t. Valuati n Setto lement(3) For which you are legal l , ely iable x-cept for propert inside the pre isesy m (1) BSubject to Sec L m O Insution i it f r-.of l oa "c ient" f yours. ance, we will pay for:

Howe th insurance is for your bene-ver, is (a) Loss of " but on up tomoney" lyf t only. I pro ides no rights or benefits toi t v and including i face v lue. Wts a eany other person or organization. Any may at our option pay for loss of, ,clai for loss that is covered under thism " issued by any countrymoney"insurance must be presented by you. other than the United States of

A :mericap. Records

(i) At face va in the " oney"lue mYou must keep records of all propertyissued by that country; orco under this insurance so we canvered

v i the a o anyer fy mount f loss. (ii) In the United S of A r-tates meica dol equi a deter-lar v lentq. Recoveriesm by the ra o eined te f x-(1) Any reco ies, less the cost of over b-change published in The lWaltain the made a sett menting m, fter leStreet Journal on the day theof loss co by th insu ance willvered is rloss was discovered.be distributed as llows:fo

(b) Loss of "securit but only up toies"(a) To you, unt you are reiil mbursedand including their v lue at theafor any loss that you sustain thatclose of business on the day theexceeds the Lim o Insuranceit floss was discovered. W may ate ,and the Deductible A , imount four option:any;(i) Pay the va o such "secu-lue f(b) Then to us, unt we are reiil m-

rit m ind,ies" or replace the in kbursed for the settlement made;in which e ent you must av s-andsign to us all your rights, title

(c) Then to you, until you are reim- and interest in and to thosebursed for that part o the lossf "securities"; orequal to the Deductible Amount,

(ii) Pay the cost of any Lost Se-i any.fcurit Bond required inies

(2) Reco ies do not include any recover v- connection with issuing dupli-ery: cates of the "securities".

Howe we wil be lver, l iable(a) Fro insurance, suretyship, rein-monly for the payment o sofsurance, security or inde itymnmuch o the cost of the bondftaken benef ; orfor our itas would be charged for a(b) O or inal "securit af duplf ig ies" ter i-bond ha a penalt notving ycates of m ha e beenthe v issued.exceeding lesser of the:the

r. Territoryi. Value o the "securitf ies"

This insurance covers acts com it orm ted at the close of businesse occurring within the United Statesvents on the day the loss wasof A ica ( luding its terr tories andmer inc i disco ered; orvpossessions), Puerto Rico and Canada.

ii. Li it o Insurance.m f

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(c) 2. Con io Applica T I ng AgreLoss of or da to "othermage dit n ble o nsuri e-ment A.1.property" or loss fro da tom mage

the "prem or its exterior forises" Territorythe replace nt cost of the prome p-

W wil pay for loss caused by any "ee l m-erty without deduction for depre-ployee" while temporar ly outside the territoryiciat Howe we will not payion. ver,specif the Terri Condi for aied in tory tion E.1.r.more than the least o the fo w-f lloperiod o moref not than 90 days.ing:

3. Con io Applicab To I n Agree-dit ns le nsuri g(i) The Li t o Insurance appli-mi fment A.2.cable to the lost or damaged

property; a. Deductible(ii) The cost to rep the lost orlace The Deductible A does not apply tomount

damaged property with prop- legal expenses paid under Insuringerty o co materf mparable ial Agreement A.2.and qualit and used for they b. Electron Mechan ig uresic And ical S natsame purpose; or

W wil ucede l treat signatures that are prod(iii) The amount you actually or reproduced electronical , mechani-ly

spend that is necessary to call or by other means the same asyrepair or replace the lost or handwritten signatures.damaged property.

c. Proof LOf ossW wi not pay on a replacemente ll

You must inc with your proo o losslude f fcost basis for any loss or dam-any instru in ol in that loss, or, iment v ved fage:that is not possible, an af ida i settf v t ing

(i) Unti the lost or dal maged for the mount and cause of loss.th aproperty is actual repairedly

d. Territoryor replaced; andW wi co er loss you sustain anywheree ll v(ii) Unless the repairs or re-in the world. The Terr Condi ionitory tplace are made as soonmentE.1.r. does not apply to Insuring Agree-as reasonably possible a terfment A.2.the loss or damage.

4. Con io Applicab To I n Agree-dit ns le nsuri gI the lost or damaged property isfments A.4. And A.5.not repaired or rep we willlaced,

pay on an act cash va ba-ual lue a. Armored Motor icle C iesVeh ompansis. Under Insuring Agreement we willA.5.,

(2) W may at our option, pay for loss ofe , only pay for the a o loss you can-mount for damage to property other than not reco r:ve"money": (1) Under your contract with the armored(a) In the " o the country inmoney" f mo v icle mpany; andtor eh co

which the loss occurred; or (2) Fro any insurance or indemnity car-m(b) In the United Sta of A icates mer ried by, or for the benef o custoit f m-

dollar equi a o the "v lent f money" ers of, the ar motor v clemored ehiof the countr in which the lossy company.occurred determ by the rateined b. Special Lim Of Ins F S i-it urance or pecof e published in Thexchange fied PropertyW l S Journal on the daya l treet

W wil only pay up to $5,000 for any onee lthe loss was discovered."occurrence" o loss of or mage to:f da

(3) Any property that we pay for or re-(1) Precious meta precious or sem -ls, iplace becomes our property.

precious stones, pearls, furs, or com-pleted or partia y co ple articll m ted lesmade o or contain such materiaf ing ls

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(a) To substitute for a permanentthat constitu the pr ipal v lue ote inc a fsuch a ticles; or "emp as de in Para-r loyee" fined

graph above who is on lea(1) , ve;(2) Manuscripts, drawings, or records oforany kind or the cost o reconstructingf

(b) To mee seasonal or short-termtthem or repr ducing any in mao for tioncontained in m work load conditthe . ions;

5. Con io Applicab To I n Agree-dit ns le nsuri g while that person is subject to your di-ment A.6. rection and cont and per mrol for ing

serv for you, e lu ing, howeices xc d ver,a. Special Lim Of Ins F S i-it urance or pecany such person while ha ing carevfied Propertyand custody of property outside the

W wil only pay up to $5,000 for any onee l "premises";"occurrence" o loss of or da tof mage

(3) Any natural person who is leased tomanuscripts, drawings, or records of anyyou under a written agreement be-kind or the cost of reconstructing them ortween you and a labor leasing f m, toirreproducing any in ma conta infor tion inedperfor dut related to the conductm iesthem.of your business, but does not mean

b. Territory a te e ployee as def inmporary m inedParagraph abo(2) ve;W wi co er loss you sustain anywheree ll v

in the world. The Terr Condi ionitory t (4) Any natural ho is:person wE.1.r. does not apply to Insuring Agree-

(a) A trustee, o f e loyee, ad-f icer, mpment A.6.m istrator or xcept anin manager, e

F. Definit nsio adm or ma ager who isinistrator nan independent contractor, of any1. "Banking pre means the interior o thatmises" f"emp benef plan(s)" in-loyee itportion o any bui occup by a bankf lding ied ingsured under this insu ance; andrinstitu si i depository.tion or m lar safe

(b) Your direc or trustee while thattor2. "Cl me any entity for whom you per-ient" ansperson is handling "funds" orfor ser ices under a writ .m v ten agreement"other property" of any "e ployeem3. "Counterfe " means an im ion o an actualit itat fbenefi plan(s)" insured under thistv lid or inal which is intended to decei e anda ig vinsurance;to be taken as the or l.igina

(5) Any natural person who is a former4. "Custodian" means you, or any of your part-"emp direc partn " m-loyee", tor, er, meners or "me ers", or any "e loyee" whilemb mpber", " representati ormanager", veha ing care and custody o propert insidev f ytrustee retained as a consultant whilethe "prem exc any person whileises", ludingperfor ing ser i you; orm v ces foracting as a "watchperson" or janitor.

(6) Any natural person who is a guest5. "E :mployee"student or intern pursuing studies or

a. "E means:mployee" duties, exc ing, ho ever, any suchlud wperson while ha ing care and custodyv(1) Any natural person:of the "pre ises".property outside m(a) W i in your ser ice or for 30h le v

b. "E does not mean:mployee"days a ter inat f vfter m ion o ser ice;(1) Any agent, broker, factor co m s-, m i(b) W you co direct byho mpensate ly

sion merchant consignee, indepen, d-salary, wages or com issions;ment contractor or representati e of thevandsame general character; or(c) W you ha e the r to dho v ight irect

(2) Any " direc or trusteemanager", torand control while per m sefor ing r-except whi per m acts cole for ing mingv ces ;i for youwithin the scope of the usual duties of(2) Any natural person who is furnishedan "employee".te ly to you:mporari

6. "E bene it plan(s)" means any wel-mployee ffare or pension benef plan shown in theit

CR 00 21 07 02 IS Propert , 2001 Page 9 o 11O ies, Inc. f

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Declarat that is subject to the E loyee "emp whether the result of a siions mp loyees", n-Retire Inco Securi Ac o 1974 (ER- gle act f acts.ment me ty t f or series oISA). b. A.2.,As respects Insuring Agreement all

7. "Forgery" means the signing of the name of loss caused by any person or in whichanother person or organization with intent to that person is i vol ed, whether the lossn vdecei ; it does not mean a signature which in ol es one or instruve v v more ments.consists in whole or in part o one's ownf c. As respects all other Insuring Agree-name signed with or without authority in any, ments:capacity for ., any purpose

(1) An act or series of rela vo vted acts in l -8. "Fraudulent ion"instruct means: ing one or persons; ormore

a. An electroni legraphic, cab letype,c, te le, te (2) An act or e ent, or a series o relatedv ftele m le or te instructfacsi i lephone ion acts or e not in o v any per-vents v l ingwhich purports to have been transm tedit son.by you, but which was in fact fraudulently

15. "Other property" means any tangible propertytransmi by someone else without yourttedother than " and "securit that hasmoney" ies"knowledge or consent;intr v but does not include any proinsic alue p-

b. A written instruct (other than those dion e- erty e luded under thxc is insurance.scribed in Insuring Agreement ) is-A.2.

16. "Pre means the interior o that portmises" f ionsued by you, which was forged or alteredof any bui you oc in conducting youlding cupy rby someone other than you without yourbusiness.knowledge or consent, or which purports

to ha been issued by you, but was inve 17. "Robbery" means the unlawfu tak o prop-l ing ffac fraudulent issued without yourt ly erty fro the care and custody o a person bym fknowledge or consent; or one who has:

c. An electroni legraphic, cab letype,c, te le, te a. Caused or threatened to cause that per-tele m le, te or written instruc-facsi i lephone son bodily har orm;tion ini l recei by you which putia ly ved r- b. Com i an ob iously unlaw ac wim tted v ful t t-ports to ha been transm ted by anve it nessed by that person."emp but which was in fac f u-loyee" t raud

18. "Sa rglary means the unlaw tak f:fe bu " ful ing olent transm ted by someone else witly it h-out your or the "employee's" knowledge a. Property fro within a locked safe ormor consent. v lt by a person unlawful enter theau ly ing

safe or v lt as e idenced by marks oau v f9. "Funds" means " ties".money" and "securifor le entr ts ex ior; orcib y upon i ter

10. "Manager" means a person serv c-ing in a direb. A safe or v t ro inside the mises".aul f m "pretoria ity for li i liab i mpanyl capac a m ted il ty co .

19. "Securi ies" means negotiable and nonnego-t11. "Me means an owner of a li i l l-mber" m ted iabitiab instru or contracts representingle mentsity co represented by its mempany mbershipeither " oney" or propert includes:m y andinterest, who also ve manager".may ser as a "a. Tokens, tickets, re enue and otherv12. "Messenger" means you, or a relati e ov f

stamps (whether represented by actualyours, or any of your par or "metners mbers",stamps or unused value in a meter) inor any "employee" while hav s-ing care and cucurrent use; andtody o y outside the mf propert "pre ises".

b. E idences of debt issued in connectionv13. "Money" means:with credit or charge cards, which cards

a. Currency, coins and bank notes in current are not issued by you;use and hav fa v lue; anding a ce a

but does not inc money".lude "b. Tra elers checks, register checks andv

20. "The means the unlawful tak o money",ft" ing f "money orders held or sale lif to the pub c."securities", or "other property" to the depri a-v

14. "Occurrence" means: tion o the nsured.f Ia. A.1.,As respects Insuring Agreement all 21. "Transfer account" means an account main-

loss caused by, or in v one or morevol ing, tained by you at a f l insti ion froinancia tut m

Page 10 of 11 IS Propert , 2001O ies, Inc. CR 00 21 07 02

COMMERC MEIAL CRI

ment ) establishing the conditionsA.2.which you can in iate the transfer, payit mentor del v f funds": under which such transfers are to be initi-i ery o "

ated by such financia insti t throughl tu iona. By means of electron te ca-ic, legraphic,an electron funds transic fer system.ble, te tele csi ile or telephoneletype, fa m

22. " atchperson" means any person you retainWinstructions com unica directm ted lythrough an electron funds transfer sys- specif ll to ha e care and custody o prop-ic ica y v fte or erty inside the "pre ises" and who has nom; m

other duties.b. By means of written instruct (otherionsthan those described in Insuring Agree-

CR 00 21 07 02 IS Propert , 2001 Page 11 of 11O ies, Inc.

COMMERC MEIAL CRI

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CALIFORNIA CHANGES ESCROW AGENT

This endorsement i ies insurance pro ided under t folmod f v he lowing:

COMMERC ME C GE ORMIAL CRI OVERA FCOMMERC ME PIAL CRI OLICYEMPLOY THEF AND F GERY YEE T OR POLIC

A. F. Def iti B. Cancellatio OfThe llowing ion The fo is added to thefo is added to Sect llowingin ons: nPolicy Condition:1. "E also incmployee" ludes any:NO E CANCELLATITIC OF ONa. O f , d or e loyee of icer irector mp f yours who

is not compensated when perfor ing acts No cancella o th polic whether at your re-m tion f is y,com within the scope of the usual d quest or our request, shall take e f pr to theing u- f ect iorties of an o f or e o yours; exp ion o 30 days af writ noti o suchf icer mployee f irat f ter ten ce fand cancella has been fi with the Com ition led m s-

sioner of ations.Corporb. Member o any o your co m tees dulyf f m itC. D.1 Acts Committe By Y , YExclusion .a. d ou ourelected or appoin to e m or auditted xa ine

Partners Or Your Members is deleted i you arefor ha custody o y.ve f your propertli as an escrow agent by the Comm s-censed iThe ownership of a l or a por fl tion o the sharessioner of f te o Cal fornCorporations o the Sta f i ia.of the Na Insured by any "employee"med

shall not be a defense to any suit, ac ortionother le proceeding against us.gal

CR 01 50 03 00 Copyright, v O f , 1999 Page 1 oInsurance Ser ices, f ice Inc., f 1

INTERLINEENDORSEMENTS

INTERLINEENDORSEMENTS

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

FEDERAL TERRORISM RISK INSURANCE ACTDISCLOSURE

This endorsement appl to the insurance pro ided un the foies v der llowing:

COMMERC EXCESS L ILIT (UM INSIAL IAB Y BRELLA) URANCECOMMERC GENERAL L BIL CO GE P RTIAL IA ITY VERA ACYBERFIR LIAB Y C GEST ILIT OVERAELECTRON MANU ERS AND COM SERVICES ERROR AND OM IONSIC FACTUR PUTER S ISS

LIABILI COVER FTY AGE ORMEMPLOY B IT LIA TY C AGE PAREE ENEF S BILI OVER TEMPLOY -R PRAC LIAB TY C VERAGE PARMENT ELATED TICES ILI O TENVIRONM HAZ PENTAL ARD OLICYEXCESS (F W G FORM) LIA TY INSURANCOLLO IN BILI ELA EN MENT LIA TY C GE PARW FORCE BILI OVERA TLIMI A E GROUND P ION LIAB Y C GE PARTTED BOV OLLUT ILIT OVERALIQUOR LIAB TY C GE PARTILI OVERAMEDFIR PRODUC OMPLE OPERA ONS ERROR AND OM IONS ANDST TS/C TED TI , S ISS ,

INFOR AT SECURI LIAB TY C GE FM ION TY ILI OVERA ORMO NER AND C ACT PR ECT L LITY C AGE PARW S ONTR ORS OT IVE IABI OVER TPOLLUTI L ITY CO GE PON IABIL VERA ARTPRODUCTS PLETED O TI LI TY COVERA PART/COM PERA ONS ABILI GEPUBLIC EN TY MANAG T LI TY COV GE PTI EMEN ABILI ERA ARTRAILROAD PRO IVE LIAB TY C GE PATECT ILI OVERA RTSELF-INSUR EXCESS C ERCIAL GENERAL LIABILI COVER FED OMM TY AGE ORMSELF-INSUR EXCESS L OR LIA TY COVER FED IQU BILI AGE ORMSELF-INSUR EXCESS E YEE BENE TS LI BILIT C GE FED MPLO FI A Y OVERA ORMSELF-INSUR EXCESS PR S/CO TED OPERA ONS L ITY CO E FORMED ODUCT MPLE TI IABIL VERAGSPECIAL PRO IVE AND HI W LIAB Y P NE Y DE MENT OTECT GH AY ILIT OLICY W ORK PART F

TRANSP TIORTA ONTRIBAL BUSINE MANA T LI ITY COV RAGESS GEMEN ABIL E

PROVI ONSSI

On December 26, 2007, the President of the United States signed into law amendments to the Terrorism RiskInsurance Act of 2002 (the "Act"), which, among other things, extend the Act and expand its scope. The Act es-tabl a program under which the Federal Go ern ent may par l rei burse "Insured Losses" (as defined inishes v m tia ly mthe Act) caused by "acts o terror " An "act o terror sm" is de in Sect 102(I) o the Act to mean any actf ism . f i fined ion fthat is certi ied by the Secretary o the Treasury in concurrence with the Secretary o Sta and the Attorf f f te neyGeneral o the Un States to be an act o terror ; to be a v o ac or an act that is dangerous to humanf ited f ism i lent tli e, property or in ; to ha resulted in dam within the Uni States, or outside the United Staf , frastructure ve age ted tesin the case of certa ai carr or vessels or the premises of a United Sta Mission; and to have been co m tin r iers tes m i -ted by an indi idua or ind v duals as part of an ef rt t coerce the ci i ian populat o the United S or tov l i i fo o v l ion f tatesin luence the po y or a f t the conduct o the Un States Go ern by coercf lic f ec f ited v ment ion.

The Federal Go ern 's share of compensation for I Losses is 85% of the amount o Insured Losses inv ment nsured fexcess of each Insurer's statutori establ deductib subject to the "Progra Tr ", (as def in thely ished le, m igger inedAct). In no e howe wil the federal go ern ent or any Insurer be required to pay any portion of thevent, ver, l v mamount o aggregate Insured Losses occurring in any one year that exceeds $100,000,000,000, pro thatf videdsuch Insurer has met its deductible I aggregate Insured Losses exceed $100,000,000,000 in any one year, your. fco may there be reduced.verage fore

The charge for Insured Losses for each Co rage Part is inc in the Co rage Part pre iu . The charge tve luded ve m m hathas been included for each Co erage Part is indica below, and does not include any charge for the port n ofv ted iolosses co by the Federal Go ern under the Act.vered v ment

1% of each ap icable C Lia lity C premipl ommercial bi overage um.

IL T 68 05 103 © 2010 The Travelers Indemnity Company Page 1 o 1f

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA

This endorsement i ies insurance pro ided under t folmod f v he lowing:

COMMERC OPER OVERA PARTIAL PR TY C GEDELUXE PROPERT VERA ARTY CO GE PCOMMERC MAR OVERA PARTIAL INLAND INE C GEFARM C GE TOVERA PAR

A. B.The exc set for in Paragraph appl to croorganism that induces or is capable of induc-lusion th iesing physical stress, idi llness or disease.all co erage under all f ms and endorsementsv or

that compr this Coverage Part or Polic in-ise y, C. W t respect to any loss or damage subject to thei hcluding bu not l m ted to f ms or endorsementst i i or exc in Paragraph , such exc super-lusion lusionB.that co er property da to bu ldings or per-v mage i sedes any exclusion re ing to "pol tants".lat lusonal property and for or endorsements thatms

D. B.The ter f the e lusion in , orms o xc Paragraph theco business income ex e pense, rentalver , tra xinappl l o e lusion to a part ularicabi ity f this xc ic loss,v lue or ac f i i author .a tion o c v l itydo not ser to create co erage for any loss thatve v

B. W wi not pay for loss or damage caused by ore ll would otherwise be excluded under this Coverageresulting f m any v rus, bacteriu or o mro i m ther i- Part or icyPol .

IL 3 82 08 06T Includes the copyrighted material of Insurance Services Office, Inc. with its permission. Page 1 of 1

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CAP ON LOSSES FROM CERTIFIED ACTS OFTERRORISM

This endorsement i ies insurance pro ided under t folmod f v he lowing:

BOILER ACHINERY AGE TAND M COVER PARCOMMERC MAR OVERA PARTIAL INLAND INE C GECOMMERC OPER OVERA PARTIAL PR TY C GEDELUXE PROPERT VERA ARTY CO GE PEQUIP BREA W OVERA PARTMENT KDO N C GE

A. Cap O fied Terrorism ossesn Certi L I aggregate insured losses attributab to terrorf le istacts certi ied under the Terroris R Insurancef m isk"Certi ied ac o terror " means an act that isf t f ismAct e $100 b l in a P Year ( u-xceed il ion rogram Jancerti ied by the Secretary of the Treasury, in con-fary 1 through December 31) and we ha met ourvecurrence with the Secretary o State and the At-finsurer deductible under the Terrorism Risk In-torney General o the Uni States, to be an actf tedsurance Act, we shall not be l le for the pay-iabof ism pursuant to the Terror iskterror federal ism Rment o any portion o the amount o such lossesf f fInsurance Act. The cr ia conta in the Ter-iter inedthat e $100 bil ion, and in such case in-xceeds lrorism R Insurance Act for a "cert f act oisk i ied fsured losses up to that amount are subject to proterroris " inc fo lowing:m lude the lrata al ion in accordance with procedures es-locat

1. The act resulted in insured losses in excess tabl o the Tished by the Secretary f reasury.of $5 m ll in the aggregate, attr toi ion ibutable

B. Applicati Of usioon Excl nsall types of insurance subject to the TerrorismRisk Insurance Act; The ter and li i ions of any terroris e lu-and ms m tat m xc

sion, or the inappli l or o ission of a terror-cabi ity m2. The act is a vio act or an act that is dan-lentism e lusion, do not serve veragexc to create co forgerous to human li e, property or in rastruc-f fany loss which would otherwise be exc un-ludedture and is com tted by an indi i or indi-mi v dualder this Coverage Part or Policy such as losses,v duals, as part o an e f coerce the ci ii f f ort to v l-exc by the Nuclear Hazard E clusion or theluded xian population of the Uni States or to inf u-ted lW r And l Ac E ca Mi itary tion x lusion.ence the polic or a fe the conduct o they f ct f

United S v ment rctates Go ern by coe ion.

IL T3 79 01 08 Includes the copyrighted material of Insurance Services Office, Inc. with its permission. Page 1 o 1f

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

NUCLEAR ENERGY LIABILITY EXCLUSIONENDORSEMENT

(Broad Form)

This endorsement i ies insurance pro ided under t folmod f v he lowing:

COMMERC TO ILE C GE TIAL AU MOB OVERA PARCOMMERC GENERAL L ITY VERA AIAL IABIL CO GE P RTFARM C GE TOVERA PARLIQUOR ILI C GELIAB TY OVERA PARTMEDICAL PR FESS LIAB Y C GE ARTO IONAL ILIT OVERA PO NER ONTR ORS PR ECT IABI OVER PARW S AND C ACT OT IVE L LITY C AGE TPOLLUTI IABIL CO GE PON L ITY VERA ARTPRODUCTS PLETED PERA ONS LI TY COVERA PART/COM O TI ABILI GERAILROAD TECT LIAB TY C GE RTPRO IVE ILI OVERA PAUNDERGROUND S ORAGE ANK PT T OLICY

1. The insurance does not apply: "hazardous properties" o "nuc mater l",f lear iai :fA. Under any Liabil Co erage, to "bod y in-ity v il(1) (a)The "nuclear mater l" is at any "nu-iajury" "property mage":or da

clear fac i " owned by, or operated by oril ty(1) W t respect to which an "insured" underi hon behal o , an " nsured" or has beenf f i (b)the pol is also an insured under a nu-icydischarged or dispersed therefro ;mclear energy l abi ity pol issued by Nu-i l icy

(2) The "nuclear ma l" is contained interiaclear Energy Liab i Insurance Associa-il ty"spent fuel or "waste" at any t me pos-" ition, Mutual Ato ic Energy L l Un-m iabi itysessed, handled, used, processed,derwriters, Nuclear Insurance Associationstored, transported or disposed of, by orof Canada or any o their successors, orfon behal f " "; orf o an insuredwould be an insured under any such pol-

icy but f m ion upon e haustionor its ter inat x (3) The "bodi injury or "property damage"ly "of ts l m o l l ; ori i it f iabi ity arises out of the f by an " n-urnishing i

sured" of ser ices, mater parts orv ials,(2) Resulting fro the "hazardous properties"mequipment in connect with the plan-ionof "nuc ma ial" and with respect tolear terning, construct ma opera-ion, intenance,which any person or organizat is(a) iontion or use of any "nuclear fa l ", but ici ity frequired to ma in f nc protec ioninta ina ial tsuch fac l is located with the Unii ity in tedpursuant to the Ato ic Energy Act om fStates o A rica its terr tories or pos-f me , i1954, or any law amendatory thereo , orfsessions or Canada, this exclusion (3)(b) the " " is, or had this pol notinsured icyapplies only to "property da " to suchmagebeen issued would be, ent led to indeit m-"nuclear i ity" thereat.fac l and any propertynity fro the Un States o A ica orm ited f mer ,

any agency thereo ef, under any agre ment 2. As used in th rsement:is endoentered into by the Uni Sta ofted tes

"Hazardous properties" includes radioacti , to icve xA rica or any agency thereof with anyme , ,or exp v ies.losi e propertperson or organization."Nuclear ma l" means "source ma l", "spe-teria teriaB. Under any Medi Pay co erage, tocal ments vcial mater l" or "by-product ter "nuclear ia ma ial .expenses incurred with respect to "bodi in-ly

jury" result f m the "hazardous properties"ing ro "Source mater l", "special nuclear mater l", andia iaof "nuc ma l" and arising out o thelear teria f "by-product ma eria " ha e the meanings git l v venoperation o a "nuc fac li " by any personf lear i ty them in the Ato i Energy Ac o 1954 or in anym c t for organization. law amendatory f.thereo

C. Under any Liabil Co erage, to "bod y in-ity v il "Spent fue " means any f ele t or fue col uel men l m-jury" or "property da " result f mmage ing ro ponent, solid or l , which has been used oriquid

exposed to radiat in a "nuclear ".ion reactor

IL 00 21 09 08 IS Propert , 2007 Page 1 o 2O ies, Inc. f

the tota a o such mater l in thel mount f ia" aste" means any waste mater l conta ingW ia in(a)custody of the " " at the pre isesinsured m"by-product mater " other than the ta ings orial ilwhere such equipment or de i is lo-v cewastes produced by the e tract or concentra-x ioncated consists of or conta more thaninstion o uraniu or thor m f m any ore proc-f m iu ro25 grams o p iu or uran m 233 orf luton m iuessed primar f its "source mater " content,ily or ialany co ion thereof or more thanmbinat ,and resulting f m the operat by any per-(b) ro ion250 grams o iuf uran m 235;son or organizat o any "nuc fa l " in-ion f lear ci ity

(d) Any structure, basin, e v tion, prexca a m-cluded under the f two paragraphs of the defirst i-ises or place prepared or used for thenit f "nuclear fac l ty".ion o i istorage or disposal o "waste";f"Nuclear ci ity means:fa l "

and includes the site on which any of the fo o-reg(a) Any "nuclear "reactor ;ing is located, a operations conducted on suchll

(b) Any equip or de i designed orment v ce site and al m ses used forl pre i such operations.used for separating the isotopes of(1)

"Nuclear reactor" m any apparatus designedeansuranium or pluton m, processing oriu (2)or used to sustain nuclear f in a sel -ission futi zing "spent fuel" or handlli , ing,(3)supporting cha react or to conta a c tiin ion in ri calprocessing or packaging "waste";mass of f teriaissionable ma l.(c) Any equip or de i used for thement v ce"Property da " inc all for o radioac-mage ludes ms fprocessing, fabricat or a y oing llo ing fti e m ion o .v conta inat f property"special nuc ma eria " i at any t melear t l f i

Page 2 o 2 IS Propert , 2007f O ies, Inc. IL 00 21 09 08

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CALIFORNIA CHANGES ACTUAL CASH VALUE

This endorsement modifies insurance provided under the following:

CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PARTCOMMERCIAL INLAND MARINE COVERAGE PARTCOMMERCIAL PROPERTY COVERAGE PARTFARM COVERAGE PARTSTANDARD PROPERTY POLICY

With respect to an "open policy", the following are 2. The Limit of Insurance applicable to the prop-added to any provision which uses the term actual erty.cash value: C. In the event of a partial or total loss to CoveredA. In the event of a total loss to a building or Property other than a building or structure, actual

structure, actual cash value is calculated as the cash value is calculated as the lesser of the fol-lesser of the following: lowing:

1. The Limit of Insurance applicable to that 1. The amount it would cost to repair or replacebuilding or structure; or the property less a fair and reasonable de-

duction for physical depreciation, based on2. The fair market value of the building or struc-the condition of the property at the time ofture.loss; or

B. In the event of a partial loss to a building or2. The Limit of Insurance applicable to the prop-structure, actual cash value is calculated as the

erty.lesser of the following:D. An "open policy" is a policy under which the value1. The amount it would cost to repair, rebuild or

of Covered Property is not fixed at policy incep-replace the property less a fair and reason-tion, but is determined at the time of loss in ac-able deduction for physical depreciation ofcordance with policy provisions on valuation. Thethe components of the building or structureterm "open policy" does not apply to Coveredthat are normally subject to repair or re-Property that is subject to an Agreed Valueplacement during its useful life. Physical de-clause or similar clause that establishes anpreciation is based upon the condition of theagreed value prior to loss, unless such clause hasproperty at the time of the loss; orexpired.

IL 01 02 05 05 ISO Properties, Inc., 2005 Page 1 of 1

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CALIFORNIA CHANGES ACTUAL CASH VALUE(Boiler And Machinery; Crime & Fidelity)

This endorsement modifies insurance provided under the following:

BOILER AND MACHINERY COVERAGE PARTCRIME AND FIDELITY COVERAGE PART

The following is added to any provision which uses applies to valuation of Covered Property regardlessthe term actual cash value: of whether that property has sustained partial or total

loss or damage.Actual cash value is calculated as the amount itwould cost to repair or replace Covered Property, at The actual cash value of the lost or damagedthe time of loss or damage, with material of like kind property may be significantly less than its replace-and quality, subject to a deduction for deterioration, ment cost.depreciation and obsolescence. Actual cash value

IL 01 03 05 05 ISO Properties, Inc., 2005 Page 1 of 1

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CALIFORNIA CHANGES

This endorsement i ies insurance pro ided under t folmod f v he lowing:

COMMERC MAR OVERA PARTIAL INLAND INE C GECOMMERC OPER OVERA PARTIAL PR TY C GEEQUIP BREA W OVERA PARTMENT KDO N C GEFARM C GE T FARM PERT OT PR ION FORM ADD IONALOVERA PAR PRO Y HER FARM OVIS S ITCOVERA , COND IONS FIN IONSGES IT , DE ITFARM C GE T L TOCK VERA FOVERA PAR IVES CO GE ORMFARM C GE T MOB GRICUL L MACHINERY QUI T CO GEOVERA PAR ILE A TURA AND E PMEN VERAFORMSTANDARD PR TY POLOPER ICY

A. W this endorsement is attached to the Stan-hen make writ request for an appraisal of the losstendard Property Policy the term CoCP 00 99 verage ("loss"). I the request is accepted, each par wilf ty lPart in this endorsement is replaced by the term select a competent and i ial appra Eachmpart iser.Pol party shall noti y the other o the appraiser se-icy. f f

lected with 20 days o the request. The two ap-in fB. Concealme M ati Or FraThe nt, isrepresent on udpraisers will select an u I they cannotmpire. fCondition fo lowing with respectis replaced by the lagree within 15 days, either may request that se-to loss ("loss") or damage caused by ire:flect be made by a judge of a court hav ju-ion ing

W do not pro ide co erage to the insured ("in-e v v risdict The appraisers will state separately theion.sured") who, whether before or after a loss v lue o the property and a o loss ("loss").a f mount f("loss"), has com it fraud or intent ly con-m ted ional I they fa to agree, they wil subm their di f r-f il l it f ecealed or m any materia fact or c r-isrepresented l i ences to the umpire A dec agreed to by any. isioncumstance concern ng:i two will be b Each part linding. y wil :1. This Co rage Partve ; 1. Pay its chosen appraiser; and2. The Co red Propertyve ; 2. Bear the other expenses of the appraisal and

ump ly.ire equal3. That insured's ("insured's") interest in theCo y; orvered Propert I there is an appraisal, we wil stil reta our rightf l l in

to deny the c ila m.4. A cla m under this Co Part or Co er-i verage vage Form. E. The Appraisal Cond ionit in:

C. Concealme M ati Or FraThe nt, isrepresent on ud 1. Business Income (And E tra E Cox xpense) v-Condition fo lowing with respectis replaced by the l erage For andm CP 00 30;to loss ("loss") or damage caused by a Covered

2. Business Income ( i E tra EW thout x xpense)Cause of Loss other than fire:Co mverage For CP 00 32;

This Co Par is vo i any insured ("in-verage t id fis replaced by fo lowing:the lsured"), whether before or a ter a loss ("loss"),f

has comm ted fraud or intent y concealed or I we and you disagree on the amount o Net In-it ionall f fm d any materia fact or c mstance come and operat e or the amount oisrepresente l ircu ing xpense fconcerning: loss, either may ma written request for an ap-ke

praisal o the loss. I the request is accepted,f f1. This Co rage Partve ;each party wil select a co and i tl mpetent mpar ial

2. The Co red Propertyve ; appraiser. Each party shall noti y the other o thef fappraiser selected within 20 days of the request.3. An insured's ("insured's") interest in the Co -vThe two appraisers will select an umpi I theyre. fered Property; orcannot agree within 15 days, either may request4. A cla m under this Co Part or Co er-i verage vthat select be made by a judge o a court ha -ion f vage Form.ing jurisdic The appraisers will state sepa-tion.

D. E. AppraisalEx ided in the Conditcept as prov ion, rately the a o Net Inco and operatmount f me ingis replaced by fo lowing:the l expense or amount o loss. If they f l to agree,f ai

they will subm t thei di f to the ump Ai r f erences ire.I we and you disagree on the va o the prop-f lue ferty or the amount o loss ("loss"), either mayf

IL 01 04 09 07 IS Propert , 2006 Page 1 o 2O ies, Inc. f

b. Bear the other expenses of the appraisal anddecision agreed to by any two wil be bl inding.Each party wi : ump ly.ll ire equal

a. Pay its chosen appraiser; and I there is an appraisal, we wil stil reta our rightf l l into deny the c ila m.

Page 2 o 2 IS Propert , 2006f O ies, Inc. IL 01 04 09 07

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CALIFORNIA CHANGES CANCELLATIONAND NONRENEWAL

This endorsement modifies insurance provided under the following:

CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PARTCOMMERCIAL AUTOMOBILE COVERAGE PARTCOMMERCIAL GENERAL LIABILITY COVERAGE PARTCOMMERCIAL INLAND MARINE COVERAGE PARTCOMMERCIAL PROPERTY COVERAGE PARTCRIME AND FIDELITY COVERAGE PARTEMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PARTEQUIPMENT BREAKDOWN COVERAGE PARTFARM COVERAGE PARTLIQUOR LIABILITY COVERAGE PARTMEDICAL PROFESSIONAL LIABILITY COVERAGE PARTPOLLUTION LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

A. Paragraphs 2., 3. and 5. of the Cancellation we issued, we may cancel this policy onlyCommon Policy Condition are replaced by the fol- upon the occurrence, after the effectivelowing: date of the policy, of one or more of the

following:2. All Policies In Effect For 60 Days Or Less(1) Nonpayment of premium, includingIf this policy has been in effect for 60 days or

payment due on a prior policy we is-less, and is not a renewal of a policy we havesued and due during the current pol-previously issued, we may cancel this policyicy term covering the same risks.by mailing or delivering to the first Named In-

(2) Discovery of fraud or material misrep-sured, at the mailing address shown in thepolicy, and to the producer of record, advance resentation by:written notice of cancellation, stating the rea- (a) Any insured or his or her repre-son for cancellation, at least: sentative in obtaining this insur-a. 10 days before the effective date of can- ance; or

cellation if we cancel for: (b) You or your representative in(1) Nonpayment of premium; or pursuing a claim under this pol-

icy.(2) Discovery of fraud by:(3) A judgment by a court or an adminis-(a) Any insured or his or her repre-

trative tribunal that you have violatedsentative in obtaining this insur-a California or Federal law, having asance; orone of its necessary elements an act

(b) You or your representative in which materially increases any of thepursuing a claim under this pol- risks insured against.icy.

(4) Discovery of willful or grossly negli-b. 30 days before the effective date of can- gent acts or omissions, or of any vio-

cellation if we cancel for any other rea- lations of state laws or regulations es-son. tablishing safety standards, by you or

your representative, which materially3. All Policies In Effect For More Than 60increase any of the risks insuredDaysagainst.a. If this policy has been in effect for more

(5) Failure by you or your representativethan 60 days, or is a renewal of a policyto implement reasonable loss control

IL 02 70 08 11 Insurance Services Office, Inc., 2010 Page 1 of 4

7. Residential Propertyrequirements, agreed to by you as acondition of policy issuance, or which This provision applies to coverage on realwere conditions precedent to our use property which is used predominantly forof a particular rate or rating plan, if residential purposes and consisting of notthat failure materially increases any more than four dwelling units, and to cover-of the risks insured against. age on tenants' household personal property

(6) A determination by the Commissioner in a residential unit, if such coverage is writ-of Insurance that the: ten under one of the following:

(a) Loss of, or changes in, our rein- Commercial Property Coverage Partsurance covering all or part of the Farm Coverage Part Farm Property Farmrisk would threaten our financial Dwellings, Appurtenant Structures Andintegrity or solvency; or Household Personal Property Coverage Form

(b) Continuation of the policy cover- a. If such coverage has been in effect for 60age would: days or less, and is not a renewal of cov-(i) Place us in violation of Cali- erage we previously issued, we may can-

fornia law or the laws of the cel this coverage for any reason, exceptas provided in b. and c. below.state where we are domi-

ciled; or b. We may not cancel this policy solely be-(ii) Threaten our solvency. cause the first Named Insured has:

(7) A change by you or your representa- (1) Accepted an offer of earthquake cov-tive in the activities or property of the erage; orcommercial or industrial enterprise, (2) Cancelled or did not renew a policywhich results in a materially added, issued by the California Earthquakeincreased or changed risk, unless the Authority (CEA) that included anadded, increased or changed risk is earthquake policy premium sur-included in the policy. charge.

b. We will mail or deliver advance written However, we shall cancel this policy if thenotice of cancellation, stating the reason first Named Insured has accepted a newfor cancellation, to the first Named In- or renewal policy issued by the CEA thatsured, at the mailing address shown in includes an earthquake policy premiumthe policy, and to the producer of record, surcharge but fails to pay the earthquakeat least: policy premium surcharge authorized by(1) 10 days before the effective date of the CEA.

cancellation if we cancel for nonpay- c. We may not cancel such coverage solelyment of premium or discovery of because corrosive soil conditions exist onfraud; or the premises. This restriction (c.) applies

(2) 30 days before the effective date of only if coverage is subject to one of thecancellation if we cancel for any other following, which exclude loss or damage

caused by or resulting from corrosive soilreason listed in Paragraph 3.a.conditions:5. If this policy is cancelled, we will send the first(1) Commercial Property Coverage PartNamed Insured any premium refund due. The

refund, if any, will be computed on a pro rata Causes Of Loss Special Form; orbasis. However, the refund may be less than (2) Farm Coverage Part Causes Ofpro rata if we made a loan to you for the pur- Loss Form Farm Property, Para-pose of payment of premiums for this policy. graph D. Covered Causes Of LossThe cancellation will be effective even if we Special.have not made or offered a refund. C. The following is added and supersedes any pro-

B. The following provision is added to the Cancella- visions to the contrary:tion Common Policy Condition: Nonrenewal

1. Subject to the provisions of Paragraphs C.2.and C.3. below, if we elect not to renew this

Page 2 of 4 Insurance Services Office, Inc., 2010 IL 02 70 08 11

policy, we will mail or deliver written notice, within the preceding two years andstating the reason for nonrenewal, to the first that required a reduction in policy-Named Insured shown in the Declarations, holder surplus of at least 25% forand to the producer of record, at least 60 payment of those claims; ordays, but not more than 120 days, before the (3) We have:expiration or anniversary date.

(a) Lost or experienced a substantialWe will mail or deliver our notice to the first reduction in the availability orNamed Insured, and to the producer of re- scope of reinsurance coverage;cord, at the mailing address shown in the pol- oricy.

(b) Experienced a substantial in-2. Residential Property crease in the premium charged

This provision applies to coverage on real for reinsurance coverage of ourproperty used predominantly for residential residential property insurancepurposes and consisting of not more than four policies; anddwelling units, and to coverage on tenants' the Commissioner has approved ahousehold property contained in a residential plan for the nonrenewals that is fairunit, if such coverage is written under one of and equitable, and that is responsivethe following: to the changes in our reinsurance po-Commercial Property Coverage Part sition.

c. We will not refuse to renew such cover-Farm Coverage Part Farm Property FarmDwellings, Appurtenant Structures And age solely because the first Named In-Household Personal Property Coverage Form sured has cancelled or did not renew a

policy, issued by the California Earth-a. We may elect not to renew such cover-quake Authority, that included an earth-age for any reason, except as provided inquake policy premium surcharge.b., c. and d. below.

d. We will not refuse to renew such cover-b. We will not refuse to renew such cover-age solely because corrosive soil condi-age solely because the first Named In-tions exist on the premises. This restric-sured has accepted an offer of earth-tion (d.) applies only if coverage is sub-quake coverage.ject to one of the following, which exclude

However, the following applies only to in- loss or damage caused by or resultingsurers who are associate participating in- from corrosive soil conditions:surers as established by Cal. Ins. Code

(1) Commercial Property Coverage PartSection 10089.16. We may elect not toCauses Of Loss Special Form; orrenew such coverage after the first

(2) Farm Coverage Part Causes OfNamed Insured has accepted an offer ofearthquake coverage, if one or more of Loss Form Farm Property, Para-

graph D. Covered Causes Of Lossthe following reasons applies:Special.(1) The nonrenewal is based on sound

3. We are not required to send notice of nonre-underwriting principles that relate tothe coverages provided by this policy newal in the following situations:and that are consistent with the ap- a. If the transfer or renewal of a policy, with-proved rating plan and related docu- out any changes in terms, conditions orments filed with the Department of rates, is between us and a member of ourInsurance as required by existing law; insurance group.

(2) The Commissioner of Insurance finds b. If the policy has been extended for 90that the exposure to potential losses days or less, provided that notice haswill threaten our solvency or place us been given in accordance with Paragraphin a hazardous condition. A hazard- C.1.ous condition includes, but is not lim-

c. If you have obtained replacement cover-ited to, a condition in which we makeage, or if the first Named Insured hasclaims payments for losses resultingagreed, in writing, within 60 days of thefrom an earthquake that occurred

IL 02 70 08 11 Insurance Services Office, Inc., 2010 Page 3 of 4

termination of the policy, to obtain that covered by the policy within 60 days ofcoverage. the end of the policy period.

d. If the policy is for a period of no more f. If we have made a written offer to the firstthan 60 days and you are notified at the Named Insured, in accordance with thetime of issuance that it will not be re- timeframes shown in Paragraph C.1., tonewed. renew the policy under changed terms or

conditions or at an increased premiume. If the first Named Insured requests arate, when the increase exceeds 25%.change in the terms or conditions or risks

Page 4 of 4 Insurance Services Office, Inc., 2010 IL 02 70 08 11

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION OF CERTAIN COMPUTER RELATED LOSSESDUE TO DATES OR TIMES

This endorsement modifies insurance provided under the following:

BOILER AND MACHINERY COVERAGE PARTCOMMERCIAL CRIME COVERAGE PARTCOMMERCIAL INLAND MARINE COVERAGE PARTCOMMERCIAL PROPERTY COVERAGE PARTDELUXE PROPERTY COVERAGE PART

A. A.1.We will not pay for loss (“loss”) or damage problems described in Paragraph ofcaused directly or indirectly by any of the follow- this endorsement.ing. Such loss (“loss”) or damage is excluded B. If an excluded Cause of Loss as described inregardless of any other cause or event that Paragraph of this endorsement results:A.contributes concurrently or in any sequence to

1. In a Covered Cause of Loss under thethe loss (“loss”) or damage.Boiler and Machinery Coverage Part, the

1. The failure, malfunction or inadequacy of: Commercial Crime Coverage Part or thea. Any of the following, whether belonging Commercial Inland Marine Coverage Part;

to any insured or to others: or

(1) Computer hardware, including mi- 2. Under the Commercial Property Coveragecroprocessors; Part:

(2) Computer application software; a. In a “Specified Cause of Loss”, in eleva-tor collision resulting from mechanical(3) Computer operating systems andbreakdown, or from theft (if insured) un-related software;der the Causes of Loss Special Form;

(4) Computer networks; or(5) Microprocessors (computer chips) b. In a Covered Cause of Loss under the

not part of any computer system; or Causes of Loss Basic Form or theCauses of Loss Broad Form; or(6) Any other computerized or elec-

tronic equipment or components; or 3. In a “Specified Cause of Loss”, in elevatorcollision resulting from mechanical break-b. Any other products, and any services,down, or from theft under the Deluxe Prop-data or functions that directly or indi-erty Coverage Part;rectly use or rely upon, in any manner,

any of the items listed in Paragraph we will pay only for the loss (“loss”) or damageA.1.a. of this endorsement; caused by such “Specified Cause of Loss”, ele-

vator collision, theft, or a Covered Cause ofdue to the inability to correctly recognize,Loss.process, distinguish, interpret or accept one or

more dates or times. An example is the inabilityC. We will not pay for repair, replacement orof computer software to recognize the year

modification of any items in Paragraphs A.1.a.2000.and of this endorsement to correct anyA.1.b.2. Any advice, consultation, design, evalua-deficiencies or change any features.tion, inspection, installation, maintenance,

repair, replacement or supervision providedor done by you or for you to determine,rectify or test for, any potential or actual

IL T3 55 08 98 Includes Material Copyrighted by Insurance Services Office Page 1 of 1

POLICYHOLDER NOTICES

POLICYHOLDER NOTICES

IMPORTANT NOTICE INDEPENDENT AGENT AND BROKERCOMPENSATION

NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANYPROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICYCAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TODETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACTYOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE ORITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THISNOTICE, THE PROVISIONS OF YOUR POLICY PREVAIL.

For information about how Travelers compensates independent agents and brokers, please visitwww.travelers.com, call our toll-free telephone number 1-866-904-8348, or request a written copy from Marketingat One Tower Square, 2GSA, Hartford, CT 06183.

PN T4 54 01 08 Page 1 of 1

IMPORTANT NOTICE TO POLICYHOLDERS

COMMERCIAL PROPERTY COVERAGE PARTFUNGUS, WET ROT OR DRY ROT AND OTHER

CAUSES OF LOSS CHANGES

NO COVERAGE IS PROVIDED BY THIS SUMMARY NOR CAN IT BE CONSTRUED TOREPLACE ANY PROVISIONS IN YOUR POLICY. YOU SHOULD READ YOUR POLICYCAREFULLY TO DE E YOUR RIGHTS, DU AND WHAT IS AND IS NOTERMIN TIES TCOVERED. IF THERE IS ANY CONFLICT BETWEEN THE POLICY AND THIS SUMMARY,THE PROVISIONS OF THE POLICY SHALL PREVAIL.

PLEASE READ THIS NOTICE CAREFULLY.

CP 06 F ng ot r Dry R nd ther Causes o Loss C gesT3 68 09 u us, Wet R o ot a O f han

W th to your po icy:hen is endorsement is attached l

Loss caused by " " (which is newly def and encompasses mo wet rot and dry rot is e ludedfungus ined ld), xcunless the "fungus", wet rot or dry rot results fro ire igh or another speci ied cause of When them f , l tning, f loss." ngus", wet rot or dry f m a speci ied e o loss, other than ire or ightnfu rot results ro f caus f f l ing:

Direct da loss is subject to a $15,000 annual aggregate li i unless another li it is ind in themage m t m icatedSchedule o the endorsement r L m " ", e Dry Ro D t Da v rage.f fo i ited Fungus W t Rot or t irec mage co e

Loss of Business Income and/or E tra E (when such coverage is included in your policy) causedx xpenseby a business interruption attributab " ", wet rot or dry rot is covered subject to a 30 day pe-le to the fungusriod o The 30 days do not have to be consecuti e days. I " ", wet rot or dry rot pro-f restoration. v f the funguslongs a business interruption that is attr le to oth damage, the loss/expense sustained during theibutab erdelay is co ered fo up to 30 days (regardless of when the delay oc during the per o restoratv r curs iod f ionand not necessarily consecuti e days). I another num of days is indicated in the Schedule o the en-v f ber fdorsement for Li i "Fungus", Wet Rot or Dry Rot Business Income/ xtra E the above referm ted E xpense, -ences to "30 days" are replaced by mber o indica the Sthe nu f days ted in chedule.

Any Ord o Law co or Ord or Law Increased Period o Restoration co erage inc ininance f verage inance f v ludedthe poli is amended to speci ica e lude loss due to the en ment o any ordinance or law which re-cy f lly xc force fquires the demol ion, repair replace , reconstruct re ing or re ion o property due to theit , ment ion, model mediat fpresence, growth, prolifera , spread or any acti i " ", wet rot or dry rot, or requires you or otherstion v ty of fungusto test for moni c up, remo e contain, treat, d i y or neutral or in any way respond to, or as-, tor, lean v , etox f ize,sess the e fects o " ", wet rot or t.f f fungus dry ro

I you ha any questions about this insurance program or wish to purchase higher l m p contact yourf ve i its, leaseAgent.

PN 06T0 76 09 Page 1 of 1

Direct Claim Reporting

1-800-238-6225

Direct dia cla service can g a lo way to meeti yo nee when it co ts. T service en-l im o ng ward ng ur ds un heables you ort any cla irectly to a cla ol umber (1-800-238-to rep im* d im service representative. It is a t l free n6225) whic puts u to w the Tele one Claim Rep ngh yo in uch ith ph orti Center.

It's co ntnvenie Ad ise i there is any other insurance a lablev f vaico ing the loss, and if so name, address, phoneverThe to free Telephone Cla m Report Center oper-ll i ingnumber, and cla m nu of the insurancei mbersates 24 hours a day, seven days a week, 365 days acompany.year. You can report your cla ms* i med y dayi m iatel

or night. How ur Cla HanYo im Is dledIt's efficient To Report a c m* just dia 1-800-238-6225 and alai , l

Telephone Reporting C m Ser i Center Repre-lai v ceYou only need one te mberlephone reporting nusentati wilve l:(1-800-238-6225) to report any type o c if la m*.Gather nt ormatipertine inf onIt's responsiveW wil ask you a series of questions about the claie l mThe pert c m in mat is logged in elec i-inent lai for ion tron to obtain al the necessary infor t to qu ly de-l ma ion ickcall as you speak with one of our Telephone Report-y ter co erage/l l y.mine v iabi iting Cla m Ser i Center Representati es. You arei v ce vNext Stepsgi en a clai f le number during th impor fiv m i is tant rst

call which wil enable easy fol -up on the status of, l low A gather the in m ion that we need, regard-fter ing for atyour cla mi . less of the type o c m a cla m representati e wilf lai , i v l

contact you to discuss the actions they wil take, andlWhen Y Calloumost i tant to answer any questions that youmpor ly,Your needs can best be served i ve the llow-f you ha fo may veha .ing for ion on hand when you calin mat l:In addit to c ms personnel, you can also call yourion lai

Name o business as it appears on the policyf agent for ad i la m and to help you withv ce about your c iand/or your pol nuicy mber any other insurance needs.Date and time at which the accident or loss oc- You can help speed up the process if:curred

unti your clai is reported, you take whateverl mState and location at which the accident or loss reasonable action is necessary to protect theoccurred property m fur mage.fro any ther da

Detailed o the acc lossdescription f ident or You noti your c m representati e i m lyfy lai v m ediatei you ha e any addit in mat ff v ional for ion or i you areNames, addresses, and phone numbers of any-contacted by another .insurance companyone injured or anyone else in ol ed ludv v , inc ing any

witnesses To protect your r under the pol y, re m toights ic me berreport all inc e i you are not sure a claiidents, ven f mA comp descript of the property or vehilete ion clewill made.bein the oraccident loss

Name o your agentf or broker

Ad ise what property or e e vo vv xtra xpense is in l ed

* unless your policy written not reportrequires ice or ing

PN T5 24 12 09 Page 1 of 1

To Our Valued Customer,

Each year, homeowners and business owners across the nation sustainsignificant weather-related property damage due to floods. These can in-clude losses caused by waves, tidal waters, the overflow of a body of wa-ter, the rapid accumulation or runoff of surface water, and mudslide. Innearly all cases, these flood losses cannot be prevented or even antici-pated. And, in many instances, the losses are devastating.

Most standard property insurance policies, including most of our policies,do not provide coverage for flood losses. While flood coverage is oftenavailable primarily through the National Flood Insurance Program it israrely purchased. Unfortunately, each year we find that some policyholdersare surprised and disappointed to learn that damages they have sufferedas a direct result of flood are not covered under the policies they have pur-chased.

Please review your insurance coverage with your agent or Company repre-sentative. As you consider the need for flood insurance, keep in mind thatfloods can, and do, occur in locations all over the country. They are notlimited to coastal areas or locations with nearby rivers or streams. Severalinches of rain falling over a short period of time can cause flood damage,even in normally dry areas that are not prone to flooding.

Your agent or Company representative can help you assess your risk. Theycan provide you with information on flood insurance available through us,including our "Write Your Own-Flood" program, which enables agents towrite flood insurance through the National Flood Insurance Program. Youragent or Company representative can help you assess your risk.

PN 07T0 53 04 Page 1 of 1