Alameda City Council
March 3, 2026

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS
(a) Caused by or resulting fro amout o al Co ered Causes of Lossf l v Co Loss;vered Cause ofoccurring during each separate 12 month per of this pol beginningiod icy (b) Up to $50,000 at each temporary with the e fect v date o th polif i e f is cy. locat in any one occurrence;ion This amount appl egardless of theies r and
number o pre ises in l ed.f m vo v (c) During the storage period of up to n. Preservation opertyof Pr 90 consecuti days but not be-ve yond exp ion o th y.irat f is polic(1) I i is necessary to mo Cof t ve vered Property fro the described pre isesm m (2) This Addit Co erage does notional v to preserve it fro or damage bym loss apply i the stored property is moref a Co of Loss, we will payvered Cause specif ll insured.ica y for: p. Water Damage, Other Li ids, Po derqu w
(a) or M n Materia DamageAny direc physical loss of ort olte l damage to such property while: (1) I loss or damage caused by or result-f (i) Being v ;mo ed or ing f m co water or other liq-ro vered uid, powder or mol materia daten l m-(ii) Te ly stored at anothermporari age occurs, we will also pay the costlocat on only i the loss ori f to tear out and replace any part of thedamage occurs within 90 build or structure to repai daing r magedays after the property is first to the system or appliance frommo ed;v and
which the water or other substance(b) The costs incurred to: escapes.(i) Remo e such property frov m (2) W wil not pay the cost to repair anye lthe described premises; and defec to a system or appliance frot m(ii) Return such property to the which the water, other liqu powderid,described prem .ises or mo mater escapes. But welten ial (2) Co under this Addit Co -verage ional v will pay the cost to repair or replace erage will end when any of the llow-fo damaged parts of f ex inguishingire t ing irst occurs:f equipment i the da age:f m
(a) W the pol is amended tohen icy (a) Results in discharge of any sub- pro ide insurance at the new lo-v stance fro ma c ire pro-m an auto ti f cation; tect orion system;
(b) The property is returned to the (b) Is direct caused by fly reezing. origina described pre ises;l m (3) Pay under this Addit Co -ments ional v (c) 90 days expire af the propertyter erage are subject to and not in addi- is irst v d; orf mo e tion to the applicab Li it o Insur-le m f (d) This pol e ance.icy xpires.

7. Coverage Extensions(3) Pay under this Addit Co -ments ional v erage are subject to and not in addi- Unless otherwise stated, pay made un-ments tion to the applicab Li it o Insur-le m f der the fol Co E tensions arelowing verage x ance. subject to and not in addit the appl ableion to ic Li its o Insurance.m fo. Tem ocati of pertyporary Rel on Pro a. Accounts Receivable(1) I Co ered Property is remo ed frof v v m the described pre and storedmises (1) W a Li it o Insurance is shownhen m f te ly at a locat you own,mporari ion in the Declarat for Business Per-ions lease or operate while the described sonal Property at the described prem- prem is being renovated or re-ises ises, you may ex that insurancetend mode we will pay for direc physi-led, t to apply to loss, as described in cal loss of or damage to that stored Paragraph below, due to direct(2) property: physical loss of or da to yourmage
MP 02 02 05T1 Copyright, Tra elers Inde ity mpany, 2004 Page 11 of 39The v mn Co Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS
(g) B.1.fParagraph . l taryWar and Mi irecords of accounts recei le (in-vab Action;cluding those on electronic data
processing media) caused by or re- (h) B.1.g.Paragraph Water; sulting fro a Co Cause ofm vered (i) B.1.h.Paragraph Neglec andt;Loss. Credit card company med willia (j) B.2.g.Paragraphbe considered accounts receivable
unti del v ed to the credit card col i er m- No other exclusions in Paragraph B. pany. Ex apply to th Coclusions is verage
Ex . However, i any exc u-tension f l(2) W wil pay fore l :
sions are added by endorsement to(a) Al a due fro your cus-l mounts m this Co rage For , such e lusionsve m xcto l-mers that you are unable to co will to this Co rage E .apply ve xtensionlect; (4) The most we will pay under this Cov-(b) Interest charges on any loan re- erage Extension for loss of or dam-quired to o fset a you aref mounts age to records of accounts recei ablevunable to collect pending our in any one occurrence while in transitpayment fo these amounts; or at a prem other than the de-ises(c) Collec e s in excess oftion xpense scribed premises is $25,000.your normal co lect expensesl ion (5) The most we will pay under this Cov-that are made necessary by the erage Extension for loss of or dam-loss or damage; and
age to records of accounts recei ablev(d) Other reasonable expenses that in any one occurrence at each de-you incur to re-establ your re-ish scribed prem is $25,000 or theisescords of accounts rece vi able. amount shown in the Declarat forions(3) The fo lowing exc apply to thisl lusions Accounts Recei le, whiche isvab verCo xverage E tension: greater. (a) W wi not pay for loss causede ll (6) Pay made under this Coveragementsby or result fro bookkeeping,ing m Ex are in addi to the appltension tion i-accounting or bil ing errors orl cable Li i f rance.m ts o Insuom ssions;i b. Appurtenant il ngs a StrBu di nd uctures(b) W wi not pay for loss that re-e ll (1) W a Li it o Insurance is shownhen m fquires an audit of records or any in the Declarat for Bu lding a theions i tin entory co tat v itsv mpu ion to pro e fac e stence; described prem you may e tendtual xi ises, x that insurance to apply to d recti(c) W wi not pay for loss causede ll physical loss of or da to iden-mage incby or resulting f m a ion,ro lterat tal appurtenant bu ings or struc-ildfa f tion, concea ment or de-lsi ica l tures, within 1,000 fee o that de-t fstruction o records o accountsf f scribed prem , caused by or re-isesrecei able done to conceal thev sulting fro a Co Cause ofm veredwrongful gi ing taking or with-v , Loss.holding o money, securities orf
other property. But th exc usionis l (2) W a Li it o Insurance is shownhen m fapplies only to the extent of the in the Declarat for Business Per-ionswrongful gi ing taking or with-v , sonal Property at the described prem-holding; ises, you may ex that insurancetend (d) B.1.bParagraph . Ear Mo e-th v to apply to direc physical loss of ort ment; damage to Business Personal Prop-
erty within inc appurtenantidental(e) B.1.cParagraph . Go menvern tal build or structures within 1,000ingsAction;
fee o that described pre ises,t f m(f) B.1.d.Paragraph Nuclear Haz- caused by or resulting fro a Co -m vard;
ered Cause of Loss.

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS
(3) Incidenta appurtenant build or by chem accidenta ly or mall ings icals l i- structures include: ciously appl to glass.ied
(a) Storage buildings; (3) W wi l also pay for necessary ex-e l penses in connection with loss or(b) Carports;
damage co ered in Paragraphs orv (1)(c) Garages; (2) abo incurred by youve, to:
(d) Pump s; orhouse (a) Put up te y p or boardmporar lates (e) Above ground tanks; up openings;
which have not been speci ical de-f ly (b) Repair or rep encasinglace scribed in tions.the Declara f mes; andra
(c) Remo e or ct .v replace obstru ions(4) The most we will pay for loss or dam- age under this Coverage Ex intension (4) The fo lowing exc apply to thisl lusionsany one occurrence for any co a-mbin Co xverage E tension:
tion o loss of or da to Buif mage lding (a) W wil not pay for loss or dam-e land Business Personal Property is age caused by or resulting mfro :$50,000, regardless of the nu omber f (i) W and tear;eardescribed prem n l ed.ises i vo v
(ii) Hidden or fec ;latent de t(5) Pay made under this Coveragements Ex are in addi to the appltension tion i- (iii) Corrosion; or cable Li i fm ts o Insurance. (iv) Rust;
c. Buil ng lassdi G (b) B.1.bParagraph Ear Mo e-. th v
(1) If: ment;
(a) You are the bui ing owner; andld (c) B.1.c.Paragraph Go menvern tal Action;(b) A Li it o Insurance is shown inm f
the Declarat for Bu ing ations ild (d) B.1.d.Paragraph Nuclear Haz- the described premises; ard;
(e) B.1.f.Paragraph War and Mi itarylyou may e that insurance to ap-xtend Action; andply to d t physical loss of or dairec m-
age to all ex ior bui dingterior and inter l (f) B.1.g.Paragraph Wa .ter glass caused by or resulting f m aro No other exclusions in Paragraph B.Co ered Cause of Loss, includingv Ex apply to th Coclusions is verageglass breakage and damage to glass Ex However, i any exc u-tension. f lby chem accidenta ly or malicals l i- sions are added by endorsement tociously appl to glass.ied this Co rage For , such e lusionsve m xc (2) If: will to ve xtension.apply this Co rage E
(a) You are a tenant; d. Business Inc and Extra Expeome nse From De dent pertypen Pro(b) A Li it o Insurance is shown inm f the Declarat for Bui ing orions ld (1) W n the Declarat show that youhe ions Business Personal Property at ha co erage for Business Incomeve vthe described premises; and and Extra E , you may exxpense tend (c) You are contractual obl toly igated that insurance to apply to the actual repair or rep bui ing glass atlace ld loss of Business Income you sustain the described premises; and reasonable and necessary Extra Expense you incur due to the "sus-you may e that insurance to ap-xtend pension" of your "operat " duringionsply to d t physical loss of or dairec m- the "period of restoration". The "sus-age to all ex ior bui dingterior and inter l pension" must be caused by directglass caused by or resulting f m aro physical loss or damage at the prem-Co ered Cause of Loss, includingv ises of a Dependent Property, causedglass breakage and damage to glass MP 02 02 05T1 Copyright, Tra elers Inde ity mpany, 2004 Page 13 of 39The v mn Co Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS
(4) This Co rage E nsion:ve xteby or result m a Co e Causeing fro v red of .Loss (a) Applies to Dependent Property
prem located within the Coises v-(2) Dependent Property means property erage Terri andtory;operated by others whom you de-
pend on to: (b) Does not apply when you have
more speci ic insurance underf(a) Deli er ma ls or servv teria ices any other pol .icy(other than "water supply ser-
v ces", " m cat supplyi co muni ion (5) W wi l reduce the amount o youre l f serv " or "power supply ser-ices Business Income loss, other than Ex- v ces") to you, or to others fori tra E to the e tent you canxpense, x your account (Contribut Loca-ing resume "operations" in whole or intions); part, by using any v ilabother a a le:
(b) Accept your products or services (a) Source o ma ls; orf teria(Recipient atLoc ions); (b) Out f ts.let or your produc(c) Manufac products for deli eryture v (6) The most we will pay for Business In-to your customers under contract come and Ex E under thistra xpenseof sale (Manu turing Loca-fac Co E tension in any one oc-verage xtions); or
currence is $10,000, regardless of(d) Attrac customers to your busi-t the number o described pre ises orf mness (Leader Locations). number o Dependent Properties in-f (3) W t respect to this Co erage E n-i h v xte v l ed.o v sion, the "per f ":iod o restoration (7) Pay made under this Coveragements(a) Begins 24 hours after the t me oi f Ex are in addi to the appltension tion i-direct physical loss or damage cable Li i fm ts o Insurance.caused by or resulting fro anym e. Business I an Extra Expe
ncome d nseCo Cause of Loss at thevered
Newly Acquired Premisesprem of the Dependent Prop-ises
erty; (1) W the Declarat show that youhen ions
ha co erage for Business Incomeve v(b) Ends on the date when the prop- and Extra E , you may exxpense tenderty at the prem of the De-ises that insurance to apply to the actualpendent Property should be re- loss of Business Income you sustainpaired, rebui or rep withlt laced reasonable speed and simi and reasonable and necessary Extralar quality; and Expense you incur due to the "sus-
pension" of your "operat " duringions(c) Does not include any increased the "period of restoration". The "sus-period required due to the en- pension" must be caused by directfor ment o any ordinance orce f physical loss or damage caused by orlaw that:
resulting fro a Co Cause ofm vered(i) Regulates the construction, Loss at any premises you newly ac-use or repair, or requires the quire by purchase or lease (othertearing down of any property; than at fairs, trade shows or exhibi-or tions).(ii) Requires any insured or oth-
(2) The most we will pay under this Cov-ers to test for mon c, itor, lean erage Ex for the sum o Busi-tension fup, remo e, conta tv in, reat, ness Income and E tra E youx xpensedetox fy or neutra ze, or ini li incur in any one occurrence isany way respond to, or as- $250,000 at each newly acquiredsess the ef ts of "pol t-fec lu premises.ants".
(3) Insurance under this Co Ex-verage
tension for each newly acquired

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS
(f) Otherwise covered under theprem will end when any of the foises l- Fine t vArts Addi ional Co erage; orlowing rst occurs:fi (g) Otherwise covered under the fol-(a) This pol eicy xpires; lowing Co x nsions:verage E te(b) 90 days expire a ter you acquiref (i) Accounts Recei able;vthat pre ises;m
(ii) Elect Data Processing;ronic(c) You report that pre ises to us; orm (iii) Personal E fects;f or(d) The Business Income or Extra Expense is more specif l in-ica ly (iv) Valuable Papers and Re- sured. cords.

W wi charge you additiona pre-e ll l g. Civil Authority m m for pre ises reported f m theiu m ro (1) W the Declarat show that youhen ionsdate you acquire that pre ises.m ha co erage for Business Incomeve v (4) Pay made under this Coveragements and Extra E , you may exxpense tend Ex are in addi to the appltension tion i- that insurance to apply to the actual cable Li i fm ts o Insurance. loss of Business Income you sustain and reasonable and necessary Extraf. Business Perso Pr Off Prem-nal operty Expense you incur caused by actionises
of c v l authori that prohib accessi i ty its(1) W a Li it o Insurance is shownhen m f to the described pre The ci imises. v lin the Declarat for Business Per-ions authority act must be due to directionsonal Property at the described prem- physical loss of or da to prop-mageises, you may ex that insurancetend erty at locat escribedions, other than dto apply to direc physical loss of ort prem that are within 100 m ofises, ilesdamage to such property caused by the described prem , caused by orisesor resulting fro a Co ered Cause ofm v resulting fro a Co Cause ofm veredLoss while: Loss.(a) In the course of transit to or f mro (2) The co for Business Incomeveragethe described prem ; orises will begin 24 hours after the t me oi f(b) Te ly away fro the de-mporari m that act and wil apply f a periodion l orscribed prem and:ises, of three consecuti e weeks after co -v v (i) At a prem you do notises erage begins.
own, lease or operate; or (3) The co for E E ense willverage xtra xp (ii) At any fa trade show or ex-ir, begin i med ly a ter the t me om iate f i f hibi at a prem you dotion ises that action and wil end when yourl not own or regularly ccupy.o Business Income co erage ends forv this Co E nsion.verage xte(2) This Co E does notverage xtension apply to property: h. Electron ocessinic Data Pr g
(a) W i the custody of the Unitedh le in (1) W a Li it o Insurance is shownhen m fStates Postal Ser iv ce; in the Declarat for Business Per-ions (b) Rented or leased to others; sonal Property at the described prem- ises, you may ex that insurancetend(c) A l v to custofter de i ery mers; to apply to direc physical loss of ort(d) In the care, custody or control of damage to "E tronic Da Process-lec tayour salespersons, unless the ing Equip " and to "E ronicment lectproperty is in such care, custody Data Processing Data and Media",or control at a fa trade show orir, caused by or resulting fro a Co -m vexh iib tion; ered Cause of Loss.(e) Te ly at a pre ises formporari m (2) W rldwide co erage is pro ided un-o v vmore than 60 consecuti days,ve der this Co erage E tension. Thev xexcept " " and "securit "money ies co terr tory as described inverage iat a "bank mises";ing pre MP 02 02 05T1 Copyright, Tra elers Inde ity mpany, 2004 Page 15 of 39The v mn Co Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS
def iency in design, instal a-ic lParagraph does not apply toF.8.b. tion, ma repair orintenance,this Co E tension.verage x
mod f cat f your computeri i ion o(3) This Co E does notverage xtension system or any co sys-mputerapply to: te or network to which yourm (a) "Stock"; or system is connected or on
which your system depends(b) Property that is leased or rented (inc electron data) re-luding icto others.
sults in a "speci cause offied(4) The fo e lusions as de-llowing xc loss" or mechanica break-lscribed in Paragraph ExcB. lusions down of "E ic Datalectrondo not apply to this Co erage E n-v xte Processing Equipment", we sion: will pay for the loss or dam-
age caused by that "specified(a) 1.e.Paragraph Ut li Ser ii ty v ces; cause of loss" or mechanical(b) 2.a.Paragraph ; or breakdown of "Electronic (c) 2.d.(6)Paragraph . Data Processing Equip ";ment
(5) The fo addit e lusionsllowing ional xc (iv) Unexpla or indeter in-ined m apply to is Co xth verage E tension: able fa , ma funct n orilure l io slowdown of a co sys-mputer(a) W wil not pay for loss or dam-e l te inc "E ronicm, luding lectage caused by or resulting from Data Processing Data andany o f lf the o lowing:

Media" or the inabi ity to ac-l(i) Program ing errors, om s-m i cess or properly manipulatesions or incorrect instructions "Elec Data P ocessingtronic rto a machine. But i pro-f Data and Media"; orgram ing errors, omm issions (v) "Elec Vandalis " etronic m x-or incorrect instruct ns to aio cept as prov in Para-idedmach results in a "speci-ine
graph below.(9)f cause o loss" or me-ied f
chanical breakdown of "E c-le (6) The most we will pay under this Cov- tronic Data Processing erage Extension for loss of or dam- Equip ", we will pay forment age to "E c Data Plectroni rocessing the loss or damage caused Equip " and to "E ic Datament lectron by that "speci ied cause off Processing Data and Media", while inloss" or mechanica break-l transit or at a premises other than thedown of "E ic Datalectron described premises, in any one oc-Processing Equipment"; currence, ,000.is $25 (ii) Unauthorized v copy-iewing, (7) The most we will pay under this Cov-ing or use of "E ic Datalectron erage Extension for loss of or dam-Processing Data and Media" age to duplica of your "E ronictes lect(or any proprietary or confi- Data Processing Data and Media"dential in ma or in lec-for tion tel while stored at a separate premisestual property) by any person, f m where your original "E ronicro lecte i such acti i is char-ven f v ty Data Processing Data and Media" areacterized as "the t"f ; kept, in any one occurrence, is(iii) Errors or def iency esign,ic in d $25,000.installa , ma re-tion intenance, (8) The most we will pay under this Cov-pair or modi ica o yourf tion f erage Extension for loss or damagecomputer systems or any computer system or network to "Elec c Data Processing Equip-troni to which your system is con- ment , inc such property you" luding nected or on which your sys- newly acquire in any one occurrence te depends (including elec-m is $25,000 at each newly acquired tronic data). Bu i errors ort f prem W th respect to insuranceises. i

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS
under this Coverage Ex on ti and are the result of the sametension me newly acquired "Elect Data cause will a be considered oneronic lso "breakdown".Processing Equipment" co erage wil, v l
end when any of the fo lowing fil rst (2) Under this Co erage E thev xtension,occurs: fo lowing co pply:l verages also a (a) This pol eicy xpires; (a) Exped ing Eit xpenses
(b) 180 days expire a you acquirefter (i) In the even of d rect physicalt ithe "E c Data Plectroni rocessing loss of or damage to CoveredEquip ";ment or Property caused by or result- (c) You report av lues to us. ing fro a "breakdown" tom "co equip ", we willvered ment(9) The most we will pay under this Cov- pay for the reasonable addi-erage Extension for loss of or dam- tional e you neces-xpensesage to "E c Data Plectroni rocessing sarily incur to m te o-ake mpData and Media" caused by or result- rary repairs to, or expediteing fro "e ic v ism" inm lectron andal , the permanent repair or re-any one occurrence is $25,000, re- place o , the lost orment fgardless of the number o the numberf damaged Co red Propertyve .of pre ises in ved Such l m t alsom vol . i i (ii) Exped ing expenses includeitapplies to any otherwise covered loss o i and the extravert me wagesof Business Income or Extra Ex- cost of express or other rapidpense. means o ransportation.f t (10) The most we will pay under this Cov- (iii) The most we wil pay underlerage Extension for loss of or dam- this Co E forverage xtensionage to "E c Data Plectroni rocessing all E it E s aris-xped ing xpenseEquip " and to "E ic Datament lectron ing out of any one "break-Processing Data and Media", a thet down" is $25,000. This l m isi it described premises, in any one oc- part of and not in addit toion currence, is the Lim o Insuranceit f the Li it o Insurance thatm f shown in the Declarat for Busi-ions applies to lost or damaged ness Personal Property a sucht Co d Propertvere y.
prem or $50,000, whiche isises ver (b) "Pol "lutantsless. (i) In the even of d physicalt irecti. Equ nt Breakdo nipme w loss of or damage to Covered (1) W a Li it o Insurance is shown Property caused by or result-hen m f ing fro a "breakdown" tomin the Dec ions for Bu lding orlarat i "co equip ", we willvered mentBusiness Personal Property at the pay for the addi l cost totionadescribed prem you may e tendises, x repair or replace Coveredthat insurance to apply to direct Property because of con-physical loss of or da e to Co -mag v ta ion by "pol ".minat lutantsered Property at the described prem- This inc the additionalludesises caused by or resulting fro am expenses to clean up or dis-"breakdown" to "co ered equip t".v men pose of such property. Addi- W t respect to otherwise coi h vered tional costs mean those be- Business Income and Extra E pense,x yond what would ha beenve "breakdown" to "covered equip "ment required had no "pollutants" will be considered a Co Causevered been in l ed.vo v
of Loss. (ii) The most we wil pay underl
I an ini l "breakdown" causes otherf tia this Co E tension forverage x "breakdowns", all wil be considered loss or damage to Col vered Property caused by contami-one "breakdown". All "breakdowns" nation by "pollu ants" arisingtthat man fest the sel es at the samei m v MP 02 02 05T1 Copyright, Tra elers Inde ity mpany, 2004 Page 17 of 39The v mn Co Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS
(c) 2.e.Paragraphout o any one "breakdown"f
is $25,000. Th l m is sub-is i it (7) W t respect to this Co erage E n-i h v xteject to and not in addi totion sion, the fo lowing condit is addedl ionthe Li it o Insurance thatm f to Paragraph Com ia PropertyF. merc lapplies to lost or damaged Conditions:Co pertvered Pro y.

Suspe nnsio(c) Ser ice ionv Interrupt
I any "co equip " is foundf vered mentW the Dec show thathen larations to be in, or e to a dangerousxposedyou have co erage for Businessv condit any of our representatiion, vesInco and Ex E youme tra xpense, may i m tely suspend the insur-m ediamay e tend that insurance to ap-x ance prov mided by this Coverage Forply to loss caused by or resulting for loss or damage caused by or re-f m a "breakdown" to equipro ment sulting fro a "breakdown" to thatmthat is owned, operated or con- "co equ ment". Th can bevered ip istrol by a local public or pri ateled v done by deli er or mai ing a noticev ing luti ty or d that d lyli istributor irect of nsion to:suspegenerates, transmi distributests,
or pro ides the fo lowing uti ityv l l 1. Your last known address; orserv :ices 2. The address where the "covered(i) " ater Ser i ";W Supply v ces equipment is located" . (ii) "Com icat Supply Ser-mun ion Once suspended in this way, such in-v ces"; ori surance can only be reinstated by a (iii) "Power Supply Ser i ".v ces written endorsement issued by us. If we suspend your insurance, you will(3) W wil not pay under th Coe l is verage get a pro rata refund of prem m foriuEx for loss or damage causedtension that "co red equipment . But theve "by or resulting f m any o the fo w-ro f llo suspension will be e f ti e en if ec ve v fing tests:
we have not ye made or of ered a re-t f(a) A hydrostatic pneuma c or gas, ti fund.pressure test of any boi orler (8) The most we will pay under this Cov-pressure vessel; or erage Extension for al di physicall rect(b) An insulat breakdown test ofion loss of or da to:mageany type o elec cal mentf tri equip . (a) "Diagnostic Equ p "i ment ;(4) W wil not pay under th Coe l is verage (b) "Power Generating Equip t";menEx for loss or damage causedtension orby or result fro a changeing m in:
(c) "Production p ";Equi ment(a) Temperature; or
caused by or resulting fro a "break-m(b) Hum ty;idi
down" to "co ered equip t" in anyv menas a consequence of "breakdown" to one occurrence is $100,000."co ip "vered equ ment . j. Interru on Com O atiopti of puter per ns(5) The fo lowing li i ions in Paragraphl m tat (1) W the Declarat show that youhen ionsA.5. do not apply to this Coverage ha co erage for Business Incomeve vExtension:
and Extra E you may exxpense, tend(a) a.(2)Paragraph ; and that insurance to apply to a "suspen- (b) a.(3)Paragraph . sion" of "operat " caused by an in-ions terruption o co operations duef mputer(6) The fol exc in Para-lowing lusions to direct physical loss of or damagegraph E do not apply toB. xclusions to "Elec Da Processing Datatronic tathis Co Everage xtension:
and Media" at escribed premthe d ises(a) 2.a.Paragraph ; caused by or resulting fro a Co -m v(b) 2.d.(6)Paragraph ; and ered Cause of Loss.

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS
or not the motor v ic or motor-eh le(2) The most we will pay under this Cov- ized con eyance m ion; orv is in oterage Extension is $25,000 for the sum o al co ered inter aris-f l v ruptions (b) During hi or unhi op-tching tching ing out of al vered Causes of Lossl Co erations, or when a trai orler occurring during each separate 12 semi- ler beco acc lytrai mes idental month per of this pol beginningiod icy unhitched fro a motor ehic orm v le with the e fe i e date o this pol .f ct v f icy mo con yance.torized ve (3) Pay made under this Coveragements (3) The most we will pay for loss or dam- Ex are in addi to the appltension tion i- age under this Coverage Ex intension cable Li i fm ts o Insurance. any one occurrence is $5,000 regard- less of the number o describedfk. Money Or and Cou Paders nterfeit per prem , trai or semi- lers in-ises lers traiCurrency
v l ed.o vW i it o Insurance is shown in thehen a L m f (4) This insurance is excess over theDeclarat for Business Personal Prop-ions amount due (whether you can collecterty at the described premises, you may on it or not fro any other insurance) mextend that to apply to loss dueinsurance co rve ing such property.to the good ith cceptance o :fa a f m. Ordi ance or Law
I Perin ncreased od(1) Any U.S. or Canadian post of ce orfi of Restorat nioexpress money order, issued or pur-
porting to ha been issued by anyve (1) W :hen
post of ice or e company, i thef xpress f (a) A Co red Cause of Loss occursvemoney order is not pa upon presen-id to property at the describedtation; or prem ; andises (2) Counterfe Uni Sta or Cana-it ted tes (b) The Declarat show that youionsdian paper currency; ha co erage for Business In-ve v in e for merchand "money" orxchange ise, come xtra xpense;and E E serv or as part of a nor l businessices ma you may e that insurance to ap-xtendtransaction. ply to the a o actual loss ofmount f l. Non- ned TraiOw Detached lers Business Income you sustain and reasonable and necessary Extra Ex-(1) W a Li it o Insurance is shownhen m f pense you incur during the increasedin the Declarat for Business Per-ions period of "suspension" of "operations"sonal Property at the described prem- caused by or resulting f m the en-roises, you may ex that insurancetend for ment o any ord nance or lawce f ito apply to direc physical loss of ort that:damage to trai or semi- lerslers trai
that you do not v ded thatown, pro i : (a) Regulates the construction, repair or replace o y;ment f any propert(a) The trai or se -tra is usedler mi iler in your business; (b) Requires the tearing down or re-
place o any parts of prop-ment f(b) The trai or semi-tra ler is inler i erty not da by a Comaged veredyour care, custody or control at Cause of Loss; andthe described prem ; andises
(c) Is in ce at i o loss.for the t me f(c) You have a contractua responsi-l bil y to pay for loss of or damageit (2) This Co E ies onlyverage xtension appl to the ler or sem -t ler.trai i rai to the period that would be required, with reasonable speed, to recon-(2) W wil not pay for loss or damagee l struct, repair or rep the propertylacethat occurs:
to co ly with the m i m require-mp in mu(a) W i the trai or sem - ler ish le ler i trai ments o the ord law.f inance orattached to any motor v le orehic mo con eyance, whether This Co E does nottorized v verage xtension(3) apply to:

MP 02 02 05T1 Copyright, Tra elers Inde ity mpany, 2004 Page 19 of 39The v mn Co Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS
(a) Loss due to an ordinance or law to apply to direc physical loss of ort that: damage to personal ef ts ownedfec
by:(i) You were required to comply
with before the loss, even if (a) You; or
the property was undam- (b) Your of i partners, " m-f cers, meaged; and bers", "managers", "e loyees",mp (ii) You led mp ; orfai to co ly with directors or t ;rustees (b) Costs associated with the en- caused by or resulting fro a Co -m v for ment o any ordinance orce f ered Cause of Loss.
law that requires any insured or (2) Such property must be located at aothers to test for, moni ctor, lean described premises.up, re ve conta treat detomo , in, , x- i or neutra ize, or in any way re-fy l (3) The most we will pay for loss or dam- spond to, or assess the e fects of f age under this Coverage Ex intension "pollu ants".t any one occurrence is $25,000 at
each described prem .ises(4) B.1.a.Paragraph , does not apply to this Co E tension.verage x (4) Pay under this Co Ements verage x- tension are in add ion to the appl a-it ic(5) The most we will pay for loss under ble Li i fm ts o Insurance.this Co Ex in any oneverage tension occurrence is $25,000 at each de- p. Signs
scribed prem .ises (1) I :f
(6) Pay made under this Coveragements (a) You are the bui ing owner; andldEx are in addi to the appltension tion i- (b) A Li it o Insurance is shown inm fcable Li i fm ts o Insurance. the Declarat for Bu lding;ions in. Out or Prdo operty at the described prem you mayises,(1) W a Li it o Insurance is shownhen m f extend that insurance to apply to di-in the Dec ions for Bu lding orlarat i rect physical loss of or da tomageBusiness Personal Property at the outdoor signs attached to the build-described prem you may e tendises, x ing, or on or within 1,000 feet o thefthat insurance to apply to direct described premises, caused by or re-physical loss of or damage to the fol- sulting fro a Co ered Cause ofm vlowing types o outdoor property atf Loss. that described prem caused by orises (2) If:resulting fro a Co Cause ofm vered (a) You are a tenant;Loss:
(b) A Li it o Insurance is shown inm f(a) Radio or tele ision antennas (in-v the Declarat for Businessionscluding m ve or satellicrowa ite Personal Property; anddishes) and their lead-in wiring, masts or towers; or (c) You own or are contractual ob-ly liga to repair or replace out-ted(b) Bridges, walks, roadways, patios door signs;and other pa faces.ved sur
at the described prem you mayises,(2) The most we will pay for loss or dam- extend that insurance to apply to di-age under this Coverage Ex intension rect physical loss of or da tomageany one occurrence is $10,000 at outdoor signs attached to the build-each described prem .ises ing, or on or within 1,000 feet o thefo. Personal Effects described premises, caused by or re-
(1) W a Li it o Insurance is shownhen m f sulting fro a Co Cause ofm vered in the Declarat for Business Per-ions Loss.
sonal Property at the described prem-
ises, you may ex that insurancetend

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS
q. Spo ge
C uent Lila onseq ial oss serv o such non-owned build-ice f ing.(1) W a Li it o Insurance is shownhen m f
(2) W wil not pay under th Coe l is veragein the Declarat for Business Per-ions Ex fortension loss or damage:sonal Property at the described prem- ises, you may ex that insurancetend (a) Caused by or resulting fro fm ire to apply to consequential loss to your or explosion; or Business Personal Property caused (b) To glass (other than glass build-by a change in: ing blocks) or to any lettering, or- (a) Temperature; or namentat or burglar alarion m
tape on glass.(b) Hum ty;idi
(3) This Co xtension applverage E ies onlycaused by or resulting fro a Co -m v i you are a tenant and you are con-fered Cause of Loss to any of the fol- tractual obl to insure this ex-ly igatedlowing types of equipmen situatedt posure.within the bui a the describedlding t
premises: s. Valuab pers andle Pa Records
(a) Refr ing;igerat (1) W a Li it o Insurance is shownhen m f in the Declarat for Business Per-ions(b) Cooling;
sonal Property at the described prem-(c) Hum f ing;idi y ises, you may ex that insurancetend (d) Air-cond ioning;it to apply to direc physical loss of ort damage to " aluab papers and re-v le(e) Heating;
cords", that:(f) Generating or con t power;ver ing
(a) You own; oror
(g) (b)Connections, supply or transmis- Are owned by others, but in your sion lines and pipes associated care, custody or control; with the abo equip .ve ment caused by or resulting fro a Co -m v (2) W t respect to this Co erage E n-i h v xte ered Cause of Loss. sion, "breakdown" to "co equip-vered (2) This Co rage E includesve xtensionment wil not be considered a Cov-" l the cost to research, replace or re-ered Cause of Loss, even f oi therwise store the lost infor ion on " luablemat vaco e here in this Co eragevered lsew v papers and records" for which dupli-Form. cates do not exist. (3) B.2.d.(7)(a)Paragraphs and (3) The fo lowing exc apply to thisl lusionsB.2.d.(7)(b) do not appl to th Coy is v- Co xverage E tension:erage Ex nsion.te (a) W wil not pay for any loss ore lr. T Damage t dheft o Rente Property damage to " a papers andv luable records" caused by or resulting(1) W a Li it o Insurance is shownhen m f f m any errors or om inro issionsin the Declarat for Business Per-ions processing or copying. But i er-fsonal Property at the described prem- rors or om s in processing orissionises, you may ex that insurancetend copying results in fi or explo-reto apply to direc physical loss of ort sion, we wil pay f the resultingl ordamage to the fo caused by orllowing loss or damage caused by thatresulting by "the " or atteft mpted f or e pire x losion."the "ft :
(b) B.1.bParagraph Ear Mo e-. th v(a) That part o a bu ing you oc-f ild ment;cupy, but do not own, which con- (c) B.1.c.Paragraph Go menvern taltains Co Property;vered and Action;(b) Property within such non-owned
(d) B.1.d.Paragraph Nuclear Haz-build used for ma oring intenance ard;
MP 02 02 05T1 Copyright, Tra elers Inde ity mpany, 2004 Page 21 of 39The v mn Co Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS
(e) B.1.f. (a)Paragraph War and Mi itary An ordinance or law that is en-l Act for e i the property hasion; ced ven f
not been damaged; or(f) B.1.g.Paragraph Water;
(b) The increased costs incurred to(g) B.1.h.Paragraph Neglect; and comp with an ord or lawly inance(h) B.2.g.Paragraph in the course of construction, re- pair, reno t re ing orva ion, modelNo other exclusions in Paragraph B. demo tion o mo lli f property, or re vaEx apply to th Co geclusions is vera of its debris, fo a physicalllowingEx However, i any exc u-tension. f l loss to that property.sions are added by endorsement to this Co rage For , such e lusionsve m xc b. Earth Movement will to ve xtension.apply this Co rage E (1) Earthquake, inc any earth sink-luding (4) The most we will pay under this Cov- ing, r or shi ing re to suchising ft lated erage Extension for loss of or dam- e entv ;
age to " luable papers and records"va (2) Landslide, inc any earth sink-ludingin any one occurrence while in transit ing, r or shi ing re to suchising ft latedor at a prem other than the de-ises e ;ventscribed premises is $25,000. (3) Mine subsidence, meaning subsi-(5) The most we will pay under this Cov- dence of a man- m whethermade ine,erage Extension for loss of or dam- or not in i i has ceased; orm ing act v tyage to " luable papers and records"va (4) Earth sinking (other l-than sinkhole coin any one occurrence at each de- lapse), rising or shi t includ soilf ing ingscribed prem es is $25,000 or theis condit which cause settling,ionsamount shown in the Declarat forions cracking or other d oisarrangement fValuable Papers and Records, foundat or other parts of realions ty.whichever is greater.

Soi condit include contraction,l ions(6) Pay made under this Coveragements expansion, freez thawing, ero-ing,Ex are in addi to the appltension tion i- sion, i co ted soil andmproperly mpaccable Li i fm ts o Insurance. the action of water under the ground B. EXCLUSIONS surface;

1. W l not pay for loss or damage caused di-e wil all whether natural occurr or due toly ing rectly or ind ly by any of the fo lowing.irect l man ade or other ar i ic causes.m t f ial Such loss or damage is exc regardlessluded But i Ear Mo men as described inf th ve t,of any other cause or event that contributes Paragraphs through above results(1) (4)concurrently or in any sequence to the loss. in f or e losion, we will pay f theire xp orThese exclusions apply whether or not the loss or damage caused by that f or eire x-loss event results in widespread damage or plosion.af ects a substantial area.f (5) Volcani erupt e losion or e fu-c ion, xp fa. Ordi ornance Law sion. But i v lcanic erupt e o-f o ion, xpl (1) The en ment o any ordinance orforce f sion or ef results in fire or vofusion l- law: canic act we will pay for the lossion,
or damage caused by that fire or vol-(a) Regulating the construction, use canic action.or repair o any propertyf ; or
Volcani action means direct loss orc(b) Requiring the tearing down of any property, inc the cost of damage resulting f m the eruption oluding ro f remo i its debris.v ng a vo when the loss or damagelcano, is caused by:(2) This exc , Ord or Law,lusion inance
applies whether the loss results m: Airborne v lcanic blast or a r-fro o i(a) borne shock waves;

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS
(b) Ash, dust, or particu matlate ter; go menta author in hinderingvern l ity or or defend fing against any o these.
(c) La fva low. g. Water
Al v lcanic eruptions that occurl o (1) Flood, sur water, waves, tface ides, within any 168
hour period will con- tida waves, o f of any body ofl ver low stitute a single occurrence. water, or their spray, al whetherl dri en by wind orv not;Volcani action does not include thec cost to remo ash, dust or particu-ve (2) Mudslide or fmud low; late ma that does not cause directtter (3) W ter or sewage that backs up oraphysical loss of or da to Co -mage v o f fro a sewer, drain orver lows mered Property. sump; or c. Governmen ntal Actio (4) W ter under the ground surfacea Seizure or destruction o property by or-f pressing on, or flowing or seeping der of v mental itygo ern author . through:

But we wil pay for loss or damagel (a) Foundations, walls, f orloors caused by or resulting fro ac of de-m ts paved surfaces; struction ordered by go mental au-vern (b) Basements, whether pa orvedthorit and done at the t me o a f re toy i f i not; orpre its spread, if the f would bevent ire (c) Doors, windows or other open-co r icyvered unde this pol . ings;d. Nuclear Hazard
all whether natural occurr or due toly ingNuclear reaction or radiat or radioac-ion, man ade or other ar i ic alm t f i causes.ti e m nat ver caused.v conta i ion, howe But i Wa as described in Paragraphsf ter,But i nuc reac or radia or ra-f lear tion tion, (1) (4)through above results in f eire, x-dioact v conta ion results in fi wei e minat re, plosion or sprinkler leakage, we will paywill pay f the loss or damage caused byor for the loss or damage caused by thatthat ire.f f , e losion or sprinkler leakage.ire xp e. Utility Services h. Neglect
The ilure or f ion o power or otherfa luctuat f Neglect o an insured to use reasonablefuti ty ser i supplied to the describedli v ce means to save and preserve propertyprem however caused, i the causeises, f f m fur da at and a the t mero ther mage fter iof the fa lure or fluc ion occurs awayi tuat of loss.f m ises.ro the described prem i. Colla Bu dipse of il ngsBut i the fa or f ion of power orf ilure luctuat Collapse of bui ings meaning an abruptldother util ty ser ce results in a Coi vi vered fa ling down or cav in o a bui ing orl ing f ldCause of Loss, we will pay for the loss or any part of a building with the result beingdamage resulting f m tha Co redro t ve that the bui or part o a bui can-lding f ldingCause of Loss. not be occupied or intended purpose.f itsf. War and M itary Actionil (1) This exc does not apply to col-lusion(1) W r, inc undeclared or ci ia luding v l lapse of bu ings i caused only byild fwar; one or f fo lowing:more o the l (2) W rl act by a m i fo in-a ike ion il tary rce, (a) A "speci cause of loss" orfiedcluding ac in h or de d-tion indering fen breakage of bu lding g ;i lassing against an actual or expected at- (b) Decay, insect or ver in dam magetack, by any go ern , sov ment vereign that is hidden f m v unlessro iew,or other authority using mi itar per-l y the presence of such decay or in-sonnel or other agents; or sect or ver in da is knownm mage(3) Insurrection, rebel , re lutlion vo ion, to an linsured prior to co lapse; usurped power or action taken by
MP 02 02 05T1 Copyright, Tra elers Inde ity mpany, 2004 Page 23 of 39The v mn Co Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS
(c) W ight o people or personale f is not considered to ha col dve lapse property; but is considered to be in a state of
i m colm inent lapse.(d) W ight o ra that co ts on ae f in llec roof; or (4) W t respect to build in a state ofi h ings i m col we will not pay form inent lapse,(e) Use of de i e ma l orfect v teria loss or damage unless the state ofme in construction, re d-thods mo i m co f mani it-m inent llapse irst festseling or reno t i the cova ion f llapse occurs during the course of con- self dur the poli period and ising cy struction, re ing or renova-model caused only by one or more of the tion; or fo lowing which occurs during the pol-l
icy period:(f) Use of de i e ma eria orfect v t l
me in construction, re d-thods mo (a) A "speci d cause of loss" orfie eling or reno t i the cova ion f llapse breakage of glass; occurs after construct re d-ion, mo (b) W ight o people or personale feling, or reno tion is compva lete property;and is caused in part by a cause (c) W ight o ra that co ts on ae f in llecof loss listed in Paragraphs (a) roof; orthrough abo e.(d) v
(d) Use of de i e ma l orfect v teriaIn the e t co results in aven llapse me in construction, re d-thods moCo Cause of Loss, we will onlyvered eling or reno tion i the state ova f fpay for the result loss or damageing i m co occurs duringm inent llapseby that Co ered Cause ov f Loss. the course of construct re-ion, (2) W wil not pay f loss of or dae l or mage mode ing or va ion.l reno t to the fo lowing types of property il , f 2. W wil not pay or damage caused bye l for lossotherwise covered in this Co eragev or resulting ro o the lf m any f fo lowing:For under Paragraphsm (1)(b) a. Art f ial generated e ica cur in-i ic ly lectr l rent,through abo e, unless the loss(1)(f) v cluding elec ic arc that disturbs elec-tr ingor damage o l-is a direct result f the co trica de i appl or wires unlessl v ces, ianceslapse of ldinga bui :
caused by a "specif loss".ied cause of(a) Awnings, gutters and down- But i ar i ic ly generated elect l cur-f t f ial ricaspouts; rent results in f we wil pay for the lossire, l(b) Outdoor radio or tele ision an-v or damage caused by that fire.tennas (including mi orcrowave b. Delay, loss of t.loss of use or markesatelli dishes) and their lead-inte wiring, rs;masts or towe c. S vapor or gas from agri turalmoke, cul smudging or operations.industrial(c) Fences;
d. (1) W and tear;ear(d) Piers, wharves and docks;
(2) Rust, corrosion, fungus, decay, dete-(e) Beach or di ing plat ms or ap-v for riorat wet or dry rot, mo hion, ld, iddenpurtenances;
or latent de or any qual prop-fect ity in(f) Retaining walls; erty that causes it to damage or de- (g) W lks, roadway and other paveda stroy itsel ;f
surfaces; (3) Smog;
(h) Yard i ; orf xtures (4) Sett ing, crack shrinking or el ing, x-(i) Outdoor swim ing pools.m pansion; (3) A bui or part o a bu lding :lding f i that (5) Nesting or in or discharge orfestation, (a) Is in im inent danger of abruptlym release of waste products or secre- fa ling v in; orl down or ca ing tions, by insects, birds, rodents or other ani ls;ma(b) Suf ers a substantial i irf mpa ment of integristructural ty;

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS
te caused by or resulting fro freez-ms) m(6) Mechanical breakdown, including ing, unless:rupture or bursting caused by cen-
tri ugal for But i mechanif ce. f cal (1) You do your best to main heat intain breakdown results in ele ator co i-v ll the bui structure; orlding or sion, we will pay for the loss or dam- (2) You drain the equipment and shut offage caused by that ele ator l sion;v col i the water supply i the heat is notf (7) The fo lowing causes of loss to per-l ma ined.inta
sonal property: h. Dishonest or cri inal ac by you, or anym ts (a) Dampness or dryness of at s-mo of your partners, " mbers", of ime f cers, phere; " ", "employees" (inc ingmanagers lud
leased employees), directors, trustees,(b) Changes in or e mes o textre f m- authorized representati or anyone tovesperature;
whom you entrust the property for any(c) Marring or scratching; purpose:
(d) Changes in fla or, co tev lor, xture (1) Act alone or in collusion with oth-ingor inish;f ers; or (e) E ion or eakage; orvaporat l (2) W ther or not occurring during thehe (8) Contam ion by other than "pollut-inat hours of e loymp ment. ants". This exc does not apply to acts oflusion
But i an e luded cause of loss that isf xc destruction by your "employees" (includ- listed in Paragraphs through above(1) (8) ing , but f "eleased employees) "the t" by m- results in a "specif cause of loss",ied ployees" (including leased employees) is build glass breakage or "breakdown"ing not co ered.v
to "co equip " (only i overed ment f therwise i. Voluntary parting with any property bya Co of Loss), we will payvered Cause for you or anyone else to whom you ha e en-vthe loss or damage caused by that trusted the property."specif cause of loss", building glassied j Rain, snow, sand, dust, ice or sleet tobreakage or "breakdown" to "covered personal property the open.inequipment (only i otherwise a Co ered" f v Cause of Loss). k. Discharge, dispersal, seepage, migration, release or escape of "po tants" unlessllue. Exp of stea boi steam pipes,losion m lers, the discharge, dispersal, seepage, migra-steam engines or steam turb ownedines tion, re or escape is itself caused byleaseor leased by you, or operated under your any of the "speci ied causes of loss". Butfcontrol. But i e losion o steam bo lers,f xp f i i the discharge, dispersal, seepage, mi-fsteam pipes, steam eng nes or steami gration, re or escape of "po tants"lease lluturbines results in fi or combustion ex-re results in a "speci ied cause of loss", wefplosion, we will pay for the loss or dam- will pay f the loss or damage caused byorage caused by that f or co eire mbustion x- that "speci ied cause o loss".f fplosion. W wil a pay for loss or dam-e l lso age caused by or resulting f m the ero x- This ex , does not apply to daclusion m-k. plosion o gases or fuel within the fu nacef r age to glass caused by chemicals appliedof any f vessel or within the f orired lues to the glass.passages through which the gases of l. Defau on any credi sale, loan, or si larlt t micombustion pass. transaction.f. Continuous or repeated seepage or leak- m. Property that is m where the onlyissing,age of water, or the presence or conden- e idence o the loss or damage t-v f is a shorsation of hu it isture or vapor, thatmid y, mo age disclosed on taking in tory, orvenoccurs o iod o 14 days or more.ver a per f other instances where there is no physi-g. W ter, other l s, powder or mola iquid ten cal e idence to show what happened tovma l that leaks or f fro plu b-teria lows m m the property. Th exc does not ap-is lusioning, heat a condit ing or othering, ir ion ply money" ies".to " and "securitequipment (e f protect sys-xcept ire ion MP 02 02 05T1 Copyright, Tra elers Inde ity mpany, 2004 Page 25 of 39The v mn Co Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS
n. Loss of property or that part o any loss,f (1) Any cost of correcting or making the proof o which as to its existence orf good the fau inadequacy or delt, fect amount ependent on:is d itsel , inc uding any cost incurred tof l tear down, tear out, repair or replace(1) Any in entor mputa orv y co tion; any part of any property to correct the(2) A pro it and ion.f loss computat fau , fectlt inadequacy or de ; or o. The trans o property to a person or tofer f (2) Any resulting loss or damage by aa place outside the described premises Co Cause of Loss to the prop-veredon the basis of unauthor instructions.ized erty that has the fau , inadequacy orlt p. Loss of " or "securi caused bymoney" ties" defec unti the fau , inadequacy ort l ltor resulting fro account or arith icm ing met defec is corrected.terrors or omissions. 4. Business Income an Extra Ex Ex-d penseq. The cost of correct ing good theing or mak clusionsdamage to personal property attributable W wil not pay or:e l fto such property being processed, manu- fac tested, repaired, restored, re-tured, a. Any E E or increase of Busi-xtra xpense, touched or otherwise being worked upon. ness Income loss, caused by or resulting f m:ro3. W wil not pay or damage caused bye l for loss
or resulting fro any o the fol underm f lowing (1) Delay in rebui ing, repa or re-ld iring Paragraphs through But i an e ludeda. c. f xc placing the property or resum "op-ing cause of loss that is l in Paragraphsisted a. erations", due to inter byference and below results in a Co Cause ofb. vered strikers or other persons at the loca- Loss, we will pay for the resulting loss or tion o the rebuild repair or re-f ing, damage caused by that Co Cause ofvered place orment;
Loss. (2) Suspension, lapse or cancel ion olat fa. W ther condit but this excea ions, lusion any license, lease or contract. But ifonly appl i weather conditions contrib-ies f the suspension, lapse or cancellationute in any way with a cause or event ex- is direct spension"ly caused by the "sucluded in Paragraph abo e to pro-B.1. v of "operat we will co er suchions", vduce the loss or damage. loss that af cts your Business In-fe b. Acts or decisions, inc ing the fa lure tolud i come dur the "per o restora-ing iod f act or dec o any person, group, or-ide, f tion" and the period o E tendedf x ganization or v mentalgo ern body. Business Income; or
c. Fault inadequate or de ti ey, fec v : b. Any other consequential .loss (1) Planning, zon de elop , sur-ing, v ment C. LIM TS F ANCEI O INSURv ing, si ing;ey t 1. The most we wil pay for loss or damage inl (2) Design, specif tions, workmanship,ica any one occurrence is the applicable Li it om f repair, construction reno at re-, v ion, Insurance shown in the Declarations, Sched- mode grading, mpactling, co ion; ules, Co Forverage ms, or endorsements. (3) Materia used in repair, construction,ls 2. Inf n uardlatio G reno ion or re lingvat mode ; or a. W a percentage for In tion Guard ishen fla (4) Maintenance; shown in the Declarations, the Li it o In-m f surance for property to which this co r-veof part or al o any property on or o f thel f f age applies wil auto ica y increase byl mat lldescribed premises. that annual percentage.I an exc cause of loss that is listedf luded b. The a f increase will be:mount oin Paragraphs through abo re-(1) (4) ve sults in a Co ered Cause of Loss, we willv (1) The Li it f Insurance that applm o ied on pay for the result loss or damageing the most recent of the pol incep-icy caused by that Covered Cause of Loss. tion date, the poli anni ersary date,cy v But we will fnot pay or: or any other pol change amendingicy the Li i f mul iplm t o Insurance, t ied by

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS
in any one occurrence is the Bui ing Gld lass(2) The percentage of annual increase Deductible wn in the Dec ions.sho laratshown in the Declarations, expressed as a decimal (e mple 8% is .08),xa : 3. The Businessowners Property Co De-verage mu iplt lied by ductib does not apply to any o the fo w-le f llo ing:(3) The number o days since the begin-f
ning of the current polic year or they a. Fire ment v ce Charge;Depart Ser i ef ect v date o the most recent pol-f i e f b. Business Income and E tra xpense;x Eicy change a the L m t o In-mending i i f c. Arson and Thef andt Reward;surance, di ided by 365.v d. Accounts Recei able.vExa le:mp

4. I more than one deductible applies to loss orfIf: damage in any one occurrence, we will applyThe appl Bui ing l m t $100,000icable ld i i is each deductible separately. But the tota o all f lThe annual percentage deductible a applied in any one occur-mounts increase is 8% rence will not e the largest applxceed icable The nu f days sincember o deductible.
the beginning o thef E. PROPER Y SS C T ONST LO ONDI Ipolicy last polyear (or icy The fol condit apply in add ion to thelowing ions itchange) is 146 Com Pol Conditmon icy ions:The a f increase ismount o

1. Abandonment$100,000 x x (146/365) $3,200.08 =
There can be no abandonment o any prop-f3. Business Persona Pro Limi Sea-l perty t
erty to us.sonal ncreaseI

2. Appraisala. The Li i o Insurance for Business Per-m t f sonal Property shown in the Declarations I we and you disagree on the va o thef lue f will auto ica ly increase by 25% to pro-mat l property, the amount o Net Inco and op-f me v de seasonal riai for va tions. erating e or the amount of loss, eitherxpense may make writ demand fo an appraisal oten r fb. This increase will apply on f the Li i oly i m t f the loss. In this event, each party wil select alInsurance shown for Business Personal competent and i ial appraiser. The twompartProperty in the Dec ions is at leastlarat appraisers wil select an ump I they can-l ire. f100% of your a erage monthl vv y alues not agree, e ma request that select nither y ioduring the lesser of:
be made by a judge of a court hav c-ing jurisdi(1) The 12 months i med y preced-m iatel tion. The appraisers will state separately theing the date the loss or damage oc- v lue of the property, the a of Net In-a mountcurs; or come and operat e or the amounting xpense of loss. I they fa l to agree, they wil submf i l it(2) The period of ti e you have been inm their di f to the umpire. A decf erences isionbusiness as of the date the loss or agreed to by any two wil be binding. Eachldamage occurs. party will:D. DEDUCT ESIBL
a. Pay its chosen appraiser; and1. W ll not pay for or damage in any onee wi loss b. Bear the other expenses of the appraisaloccurrence until the a of loss or dam-mount and ump ly.ire equalage exceeds the Businessowners Property Co Deductib shown in the Declara-verage le I there is an appraisal, we will sti reta ourf ll in tions. We wil pay the a o vel then mount f co red right the c mto deny lai . loss or damage in e of that Deductib .xcess le 3. Duties the of oss or Damain Event L geBut we will not pay more than the applicable a. You must see that the following are doneLi it o Insurance.m f in the e en f to vev t o loss or damage Co red2. Regardless of the amount o the Busines-f Property:sowners Property Co Deductible, theverage (1) Noti y the police i a law may haf f vemost we will deduct f m any loss or damagero been broken. This duty does not ap-under the Building G Coverage E nsionlass xte MP 02 02 05T1 Copyright, Tra elers Inde ity mpany, 2004 Page 27 of 39The v mn Co Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS
ply to loss or damage arising fro may result in loss of or da tom mage Co y.vered Propert"emp dishonesty" and "forgery"loyee
or alteration. (9) Cooperate with us in the in igationvest and settle f cla mment o the i .(2) Gi us prompt not o the loss orve ice f damage. Inc a description o thelude f (10) I you intend to cont your busi-f inueproperty in o vv l ed. ness, you must resume al or par ol t f (3) As soon as possible, gi e us a de- your "operations" as quickly as possi-v ble.scription o how, when and where thef
loss or damage occurred. b. W m xa ine any insured under oath,e ay e m while not in the presence of any other in-(4) Take all reasonable steps to protect sured and at such ti as may be rea-mesthe Co Property f m furthervered ro sonably required, about any matter re t-ladamage, and keep a record of your ing to th insurance or the clai , includ-is mexpenses necessary to protect the ing an insured's books and records. In theCo Property, for considerationvered e o an e m an insured's an-vent f xa ination,in the sett ment o the cla m Thle f i . is swers must be signed.will not increase the Lim t o Insur-i f

4. Loss Payment
B di an Persouil ng d nalance. However, we will not pay for Propertyany subsequent loss or damage re-
sulting m loss that is notfro a cause of a. In the e o loss or damage covent f vered a Co Cause of Loss. Also, ivered f by this Co erage For , a our opt wev m t ion, feasib set the da propertyle, maged will ther:ei
aside and in the best possible order (1) Pay the v lue o lost or daa f magedfor xa inate m ion. property; (5) At our request, gi e us co in-v mplete (2) Pay the cost of repa ing or replacingirv ies of the da ged and un-entor ma the lost or da property, subjectmageddamaged property. Inc ies,lude quantit to Paragraph below;b.costs, values and amount of loss (3) Take al or any par o the property atl t fclai ed.m
an agreed or appraised orvalue;(6) As often as may be reasonably re- (4) Repair, rebui or replace the prop-ldquired, per t us to inspect the prop-mi erty with other property of l kindikeerty pro ing the loss or damage andv and quality subject to Paragraph, b.exa ine your books and records.m below.Also perm us to take samp ofit les
W wil deter ine the v lue o lost ore l m a fdamaged and undamaged property damaged property, cost o its repairor the ffor inspection, testing and analysis, or replacement in accordance with the,and perm us to make copies froit m applicab ter Paragraph below orle ms of e.your books and records. any applicable pro isv ion which amends or (7) For loss or damage f m other thanro supersedes these valuat ition cond ions. "emp dishonesty" or "forgery" orloyee b. The cost to repair, rebui lace doesld or repalterat send us a signed, swornion not inc the increased cost attrlude ibutableproof o loss containing the in ma-f for to en ment o any ordinance or lawforce ftion we request to in igate thevest regulating the construction use or repair,clai . You must do th within 60m is of any property e as pro ided in the, xcept v days after our request. W wil supplye l Ordinance or l Co erage.Law Additiona v you with the necessary forms. c. W ll g v f our intente wi i e notice o ions within (8) For loss or damage result froing m 30 days after ve f fwe recei the proo o loss. "emp dishonesty" or "forgery" orloyee d. W l not pay you more than your f n-e wil inaalterat g v us a detai swornion, i e led, cial interest in v roperty.the Co ered Pproof o loss within 120 days af fter you disco a loss or situat thatver ion

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS
e. (i)W wil deter ine the va o Co red The Li t o Insurance appli-e l m lue f ve mi f Property in the e en o co ered loss or cable to the lost or damagedv t f v damage as lows: property;fol
(ii) The cost to rep acel the lost or(1) At replace cost (without deduc-ment damaged property with othertion for deprec ion), e as pro-iat xcept property:v ded in Paragraphs throughi (2) (18)
below. a) O co ma ialf mparable ter
and quality; and(a) You may a c i or loss ormake la m f damage co red by this insur-ve b) Used for the same pur- ance on an actual cash v ba-alue pose; or
sis instead of on a replacement (iii) The a actua ly spentmount lcost basis. In the e you event lect that is necessary to repair orto ha loss or damage settledve replace the lost or damagedon an actual cash va basis,lue property.you may sti l make a c m on al lai I a build is rebuilt at a newf ingreplace cost basis i you no-ment f prem the cost described inises,ti y us of your intent to do sof Paragraph abo is l m to(ii) ve i itedwithin 180 days after the loss or the cost which would have beendamage.
incurred i the bui had beenf lding(b) W wi not pay on a replacemente ll rebuil the or l pre ises.t at igina mcost basis for any loss or dam- (d) The cost o repa or replacef ir mentage:
does not include the increased(i) Unti the lost or dal maged cost attributab to en mentle forceproperty is actual repairedly of any ordinance or law regulat-or replaced; and ing the construct use or repairion, (ii) Unless the repairs or re- of .any property
place are made as soonment (2) I the Declara indica that Ac-f tions teas reasonably possible after tual Cash Value applies to Buildingsthe loss or damage. or Business Personal Property, Para- W t respect to tenants' ii h m- graph above does not apply to the(1)pro ments and better theve ments, property for which Actual Cash Valuefo lowing also applies:l is indicated. a) I the condit in Para-f ions (3) Personal Property o others at thefgraphs and above(i) (ii) amount for which you are liable plusare not met, the va e oflu the cost o labor, ma ls or ser-f teriatenants' i v mentsmpro e v cesi furnished or arranged by you onand better will bements personal property of others, not todeterm as a propor-ined exceed e ntthe replac me cost.tion o your orig cost,f inal as set forth under Para- (4) The fo property a actua cashllowing t l graph below; ande.(7) v lue:a
b) W wi l not pay for losse l (a) Used or second-hand merchan- or damage to tenants' dise held in for sale;storage or
i v ments and bet-mpro e (b) Household andfurnishings;ter i o pay forments f thers (c) Personal ef ects.frepairs or replace .ment
(5) "F " as llows:ine Arts fo(c) W wil not pay more f loss ore l or damage on a rep ment costlace (a) I " ine arts"f there is a schedule of f basis than the least o Para-f on f le which inc a descrip-i ludes graphs , or subject to(i) (ii) (ii )i tion and va o the lost or dam-lue f Paragraph be(d) low: aged ite , we will pay the vm alue as stated in the schedule for that
MP 02 02 05T1 Copyright, Tra elers Inde ity mpany, 2004 Page 29 of 39The v mn Co Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS
ite i there is a total loss to thatm f are not restored or replaced, the ite . I there is a part loss to anm f ial " luable papers and records" will beva ite , we wil pay the cost of rea-m l v lued at the cost o replacea f ment sonably restoring or repairing that with blank mater l o substantialia f ly ite .m identi type.cal
(b) For " ine ar " without a schedulef ts (9) "Stock" you ha sold but not deli -ve v on fi as described in Paragraphle ered at the sell price less dis-ing(a) abo the va o " ine ar "ve, lue f f ts counts and expenses you otherwisewill be the least o the fo lowingf l would have had.amounts:
(10) Property in transit (other than "stock"(i) Market va of the lost orlue you ha sold) at the a o in-ve mount fdamaged ite at the t mem i v ice, inc your prepaid or ad-o ludingand place o loss;f v fre charges and otheranced ight (ii) The cost of reasonably re- charges which may ha ac orve crued storing the lost or damaged become lega y due f m you sincell ro ite ; orm the shipment. I you ha no in of ve v ice,
(iii) The cost o replac that lostf ing actual cash alue l applyv wil . or damaged ite wi prop-m th (11) "Money" at ts v lue.i face aerty substantial the same.ly (12) "Securi at the v lue at the closeties" ir a(6) Glass at the cost of replace withment of business on the day the loss is dis-safety glaz mater l i required bying ia f covered.law. (13) Accounts Recei able as l s:v fo low(7) Tenants' Impro e and Better-v ments (a) I you cannot accurate establishf lyments at:
the amount o Accounts Recei -f v(a) Replacemen cost i you maket f able outstanding as of the ti ome frepairs prompt .ly loss, we will:
(b) A proportion of your orig costinal (i) Determ the total o the a -ine f vi you do not make repairsf erage monthl a ofy mountsprompt . W wil deter ine thely e l m Accounts Recei able f thev orproportionate a folv lue as lows: 12 months i media pre-m tely (i) Mult ly the or inal cost byip ig ceding the month in which the number o days fro thef m the loss occurs; and
loss or damage to the expira- (ii) Adjust that tota for any nor-ltion o thef lease; and ma f ions in thel luctuat (ii) Di ide the a deter-v mount amount for Accounts Recei -v m in Paragraph aboined ve(i) able for the month in which by the number o days frof m the loss occurred or for any the installat o i vion f mpro e- demonstrated v f mariance ro ments to the e irat o thexp ion f the a f that th.verage or mon lease. (b) I you can accuratel establishf y
I your lease contains a re-f the amount o Accounts Recei -f v newal option, the expiration able outstanding, that a wilmount l of the renewal option period be used in the deter ion ominat f will replace the e tion oxpira f loss.
the lease in this procedure. (c) The fo wil be deductedllowing l (c) Nothing, i o pay for repairsf thers f m the a fro total mount o Accounts or replace .ment Recei le, however tha amountvab t
is established:(8) "Valuable Papers and Records" at
(i) The a o the accountsmount fthe cost of restoration or replace- for which there was no loss;ment To the ex that the contents. tent of the " luable papers and records"va

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS
(ii) The a o the accountsmount f ter ing the va o Co red Prop-min lue f ve that you are able to re- erty:
establish or col ;lect (a) Disti spirilled ts;
(iii) An amount to a low for prob-l (b) W nes;iable bad debts that you are (c) Recti ied products; orfnorma y unable to co t;ll llec and (d) Beer.
(iv) Al unearned interest andl (18) Lottery t at the ini ial cost toickets ir t serv charges.ice you except for winning t at theirickets redeemed av lue.(14) "Elec Da Processing Equip-tronic ta ment at replace cost as of the" ment f. Our pay for loss of or da toment mage ti lace o loss, without deduc-me and p f personal property o others will bef only for tion for physical deter ion, depre-iorat the account of the owners of the property. ciat obsolescence or depletion.ion, W may adjust losses with the owners ofe Howe in the e ent replace o lost or damaged property i other thanver, v ment f , f you. I we pay the owners, such pay-f"Elec Da Processing Equip-tronic ta ments wil satis your c i against usl fy la msment with identi propert is i" cal y m- for the owners' property. We wil not paylpossible, the replace cost will bement the owners more than their f ial in-inancthe cost of i ms that are si i tote m lar terest in ve .the Co red Propertythe damaged or destroyed equipment and intended to perfor the samem g. W ha the right but not the duty to de-e ve func , but which may inc tech-tion lude fend you against suits arising f m c iro la ms nologica vl ad ances. of owners of property. W wi do so ate ll our expense."Elec Da Processing Equip-tronic ta
h. W wi pay for co ered loss or damagee ll vment tha is obsolete or no longer" t within 30 days after we recei the swornveused by you will be va at aclued tual proof o loss prov you have co lf ided mp iedcash value. with al f ter f this pol ; andl o the ms o icy(15) "Elec andtronic Data Processing Data (1) W ha e reached agree withe v mentMedia" for which dupli do notcates you on the a f loss; ormount oex l be lued as llows:ist wil va fo (2) An appraisal award has been made.(a) The cost o lank ia;f b med and i. At our opt we may make a partion, ial(b) Your cost to research, replace or payment toward any clai , subject to themrestore the lost electronic data on policy pro is and our norma ad t-v ions l juslost, damaged or destroyed ment process. To be considered for par-"Elec Data Processing Datatronic tia c m pay nt you must subm al lai me , itand Media" but on i the lostly f partia sworn proof o with supportingl f losselectron data is actua y re-ic ll documentat Any appl pol de-ion. icable icyplaced or restored. ductib must be satisf before anyles ied(16) Duplicate " troni Data Process-Elec c partia ments arel pay made.ing Data and Med " a cost oia t the f:

5. Loss Payment
Busi Inc and Ex-ness ome(a) Blank ia;med and tra Expense (b) Labor to copy the electronic data, a. The amount o Business Income loss willfbut only i the electron data isf ic be determined based on:actual ied.ly cop (1) The Net Inco o the business be-me f(17) The va o Uni States Go ern-lue f ted v fore the direc physical loss or dam-tment Interna Re ta andl venue xes age occurred;custom duties and refundable state (2) The l ly Net Inco o businessike me f theand local ta paid or ful deter-xes ly i no physical loss or damage oc-fm on the fol property heldined lowing curred, but not inc any li in-luding kelyfor sale will not be considered in de- crease in Net Inco at le tome tributab
MP 02 02 05T1 Copyright, Tra elers Inde ity mpany, 2004 Page 31 of 39The v mn Co Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS
an increase in the lu f s the described premises or elsewhere;vo me o busines oras a result o fa orab businessf v le
condit caused by the i oions mpact f (2) Ex E loss to the extent youtra xpensethe Co Cause of Loss on cus-vered can return "operations" to normal andto es;mers or on other business discontinue such Ex xpense.tra E (3) The operating e s, includingxpense d. I you do not resume "operations", or dof payroll e s, necessary to re-xpense not resume "operat as quick asions" ly sume "operations" with the same possible, we will pay based on the length qualit o ser ce that e just be-y f vi xisted of t me i would ha taken to resumei t ve fore the direc physical loss or dam-t "operations" as quickly sible.as pos age; and e. W wi pay for co ered loss or damagee ll v
(4) Other rele an of for ion,v t sources in mat within 30 days after we recei yourve including: sworn proof o loss pro you haf vided ve
comp ied with al o the ter o this pol-l l f ms f(a) Your f l records and ac-inancia icy; andcounting procedures; (1) W ha e reached agree withe v ment(b) Bi in oi and other vouch-lls, v ces you on the a f loss; ormount oers; and
(2) An appraisal award has been made.(c) Deeds, liens or contracts.

6. Recovered Propertyb. The amount o E ra E wil be de-f xt xpense l termined based on: I ei you or we recover any property af ther fter loss settle that par g v the otherment, ty must i e(1) Al reasonable and necessary ex-l prompt not At your option, you may retainice.penses that exceed the nor l oper-ma the property. But then you must return to usating e that would ha beenxpenses ve the amount we paid to you for the property.incurred by "operat during theions" W wil pay the reco ery e s and thee l v xpense"period o restoration" i no df f irect expenses to repair the recovered property,physical loss or damage had oc- subject to icable L m o Insurance.the appl i it fcurred. W will deduct fro the totale m

7. Noncum ive Lulat imitof xpenses:such e
No Lim o Insurance cumula fro polit f tes m icy(a) The sal v lue that re insvage a ma period to po cy perli iod.of any property bought for te o-mp rary use during the "period of res- F. COMMERC ER CONDI IIAL PROP TY T ONS toration" once "operations" are, 1. Concealment Misrepresentati or d, on Frauresumed; and This Co For is void in any case ofverage m(b) Any E E that is paidxtra xpense f by you. I also vo f you or any otherraud t is id ifor by o insurance, except forther insured, at any ti , in ional conceal orme tent lyinsurance that is written subject m ia fa concerning:isrepresent a mater l ctto the same plan, ter condi-ms, a. This Co rage For ;ve mtions and pro isions as this in-v surance; and b. The Co red Propertyve ;
(2) Al reasonable and necessary ex-l c. Your interest the Co red Propertyin ve ; or penses that reduce the Business In- d. A c m is Co Forlai under th verage m.come loss that otherwise would have

2. Contro of pertyl Probeen incurred.

Any act or neglect o any person other thanfc. W wil reduce the a o :e l mount f your you beyond your direction or control will not(1) Business Income loss, other than Ex- af ect is insurance.f thtra E to the e tent you canxpense, x The breach of any condition of th Cois verageresume your "operations", in whole or For at any one or more pre ises will no am m t f-in part by using da or unda, maged m- fec co rage at any premises where, at thet veaged property (includ "stock") ating ti o loss or damage, the breach of condi-me f tion does not e ist.x

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS

3. Insura der wo More Cnce Un T or overages (2) W t the co erage tory;i hin v terri and I vf two or more co erages under this Coverage b. The co erage terr is:v itory For apply to the same loss or damage, wem (1) The United S of A ica ( d-tates mer incluwill not pay more than the actual amount of ing itor sessions);its terr ies and posthe loss or damage. (2) Puerto Rico; and4. Legal nst UsAction Agai
(3) Canada.No one may bring a legal action against us

9. Tra of Rig of Recovery Againstnsfer htsunder this Co For less:verage m un Others to Us.a. There has been ful co l with al ol mp iance l f I any person or organization to or for whomfthe ter f v m andms o this Co erage For ; we make payment under this Co Forverage mb. The action is brought within 2 years after has rights to recover da from another,magesthe date on which the direct physical loss those rights are transferred to us to the extentor damage occurred. of our pay . That person or organizatment ion

5. Li onberalizati must do e ing necessary to secure ourveryth rights and must do nothing after loss to impairI we adopt any rev that would broadenf ision them But you may wai e your rights against. vthe co under th Co For with-verage is verage m another party ing:in writout additiona pre m wi 45 days prior tol miu thin or during the pol period, the broadenedicy a. Prior to a loss to your Co red Propertyve co will i med ly apply to this Coverage m iate v- or Co ered me;v Inco or erage Form. b. A a loss to your Co red Property orfter ve

6. No Benef o Baiit t lee Co Inco only i , at t me o loss,vered me f i f that party f fo lowing:is one o the lNo person or organization, other than you, ha ing custody of Co ered Property wilv v l (1) Someone insurance;insured by this benefi f m insurance.t ro this (2) A business f mir :

7. Other uranceIns (a) Owned or control orled by you;a. You may ha other insurance subject tove (b) That owns or controls you; orthe same plan, ter condi ions and pro-ms, t v ions as the insurance under this Cov-is (3) Your tenant. erage Form. I you do, we will pay ourf This wil restric insurance.l not t yourshare of the covered loss or damage. Our

10. Coinsuranceshare is the proportion that the applicable Li it o Insurance under this Coveragem f I a Coinsurance percentage is shown in thef For bears to the Li its o Insurance ofm m f Declarat fo lowing condit ies.ions, the l ion appl all v the sameinsurance co ering on basis. a. W wi l not pay the ful a o anye l l mount f b. I there is other insurance cover thef ing loss i the va o Co ered Property atf lue f v same loss or damage, other than that de- the ti o loss mul l by the Coinsur-me f tip ied scribed in Paragraph abo we willa. ve, ance percentage shown for it in the Dec- pay only for the a o co ered lossmount f v larat is greater than the Li i o In-ions m t f or damage in e of the a duexcess mount surance for the property. f m that other insurance, whether youro Instead, we will deter ine the most wemcan col on i t. not paylect t or no But we will will fo lowing steps:pay using the lmore than the appl L m o Insur-icable i it f (1) Mult ly the va o Co red Prop-ip lue f veance.
erty at the ti o loss by the Coin-me f8. Pol od, T oryicy Peri Coverage errit surance percentage; Under this Co For :verage m (2) Di ide the Li it o Insurance of thev m f a. W co er loss or damage you sustaine v property by the f deter ined inigure mthrough acts com i or e ents occur-m tted v step ;(1)ring:
(3) Mult ly the total a o the coip mount f v-(1) During the policy per shown in theiod ered loss, before the applicat oion fDeclarat ; andions MP 02 02 05T1 Copyright, Tra elers Inde ity mpany, 2004 Page 33 of 39The v mn Co Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS
(2) Addit vional Co erages;any deductible, by the figure deter- m in step ;ined and(2) (3) Co xverage E tensions; or
(4) Subtract the deductible f m the f g-ro i (4) Loss or damage in any one occur-ure deter in step .mined (3) rence total less than $2,500.ing W wil pay the a deter ined ine l mount m 11. Mortga olgeh dersstep or the li it o insurance, which-(4) m f a. The ter mortgageholder, inc trus-m, ludese is less.ver tee.For the rema you will e ha toinder, ither ve b. W wil for vered dae l pay co loss of or magerely on o insurance or absorb the lossther to build or structures to each mort-ingsyourself. gageholder shown in the Declarations in Exa le No insurance): their order o precedence, as interestsmp . 1 (Under f may appear.W :hen
c. The mortgageholder has the right to re-The alue o the property $250,000v f is cei e loss payment e en i the mor e-v v f tgagThe Coinsurance percent holder has started forec or similosure larfor it 90%is action on the bui ing or structure.ld The Li i f form t o Insurance d. I we deny your clai because of yourf mit $112,500is acts or because you have fa led to coi m- The Deductib is $250le ply with the ter o th Co For ,ms f is verage m The a f loss is $40,000 the mortgageholder wil sti l ha e the rmount o l l v ight to recei e loss payment i the mor e-v f tgagStep (1): 90%$250,000 x = $225,000 holder:(the ini m mount fm mu a o insurance to
meet insurance requirements)your Co (1) Pays any premiu due under thism Co For at our request i youverage m fStep (2): .50$112,500/$225,000 = ha fa led tove i do so;Step (3): x $20,000$40,000 .50 = (2) Subm a signed, sworn proof oits f lossStep (4): - $250 =$20,000 $19,750 within 60 days after recei i noticev ng W wil pay no more than $19,750. Thee l f m us o fa to do so; andro f your ilure rema is not co ered.ining $20,250 v (3) Has noti ied us of any change inf ownership or occupancy or substan-Exa le No Adequate Insurance):mp . 2 ( tia change in risk known to the mort-lW :hen gageholder.

The alue o the property $250,000v f is Al f ms of ve m will o the ter this Co rage For l The Coinsurance percentage then apply d ly the tgageholder.irect to mor for it 90%is e. I we pay the mortgageholder for any lossfThe Li i f form t o Insurance or damage and deny payment to you be-it $225,000is cause of your acts or because you have The Deductib is $250le fa led to co y with the ter o thi mpl ms f is Co mverage For :The a f loss is $40,000mount o
(1) The mortgageholder's rights underThe min mu a o insurance toi m mount f the mortgage will be transferred to usmeet your Coinsurance requirement is to the extent o the amount we pay;f$225,000 ($250,000 x 90%). andThere the Li i o Insurance in thisfore, m t f
(2) The mortgageholder's rights to re-Exa le is adequate and no penalty ap-mp co the fu l a o the mort-ver l mount fplies. W wil pay no more than $39,750e l gageholder's clai wil not be im l m-($40,000 amount o loss m the de-f inus paired.ductib fle o $250).

At our option, we may pay to theb. Coinsurance does not apply to:
mor the whole principaltgageholder(1) "Money" and "securities"; on the mortgage plus any accrued in-

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS
terest. In this e ent, your mor The crack o any part on any in-v tgage ing f(6) and note wil be transferred to us and ternal co gas turbine ex-l mbustion posed to the products o cof mbustion.you wil pay your remain morl ing tgage debt to us. 3. "Commu on up Services"nicati S ply
f. I we cancel this pol we will g v writ-f icy, i e a. Means property supplying co muni ionm cat ten noti the tgageholder atce to mor least: serv inc te radio, mices, luding lephone, i- crowave or te v ser ices, to the de-le ision v(1) 10 days before the e f i e date of ect v f scribed prem s:ises, such acancella i for n-tion f we cancel your no payment f pre iu ; oro m m (1) Com icat transm lines,mun ion ission includ f opt ting iber ic ransmission(2) 30 days before the e f i e date of ect v f lines;cancella i we cancel for any othertion f
reason. (2) Coaxia cables; andl
g. I policy willf we elect not to renew this , we (3) Microwa radio re , e satel-ve lays xcept gi e written not to the morv ice tgageholder li ; andtes at least 10 days before the e ratxpi ion b. Does not mean o tverhead ransmissiondate o is pol .f th icy lines.

G. PROPER Y DE I IONST FIN T 4. "Covered E ipme "qu nt

1. "Bankin Premises"g means the inter oior f a. Means the fo lowing types of p :l equi mentthat port o any bu ing which is occupion f ild ied by a banking institut ilar safe deposi- Equip designed and built to op-ion or sim ment(1) tory. erate under interna pressure or vac-l
uum o fther than weight o contents;2. "Breakdow "n
(2) Elect l or mechanica equiprica l menta. Means:
that is used in the generation, trans-(1) Fai o pressure or vacuu equip-lure f m m il tion o energy;ission or ut iza fment; (3) Fiber c cab ; andopti le(2) Mechanical fa lure, includ rupturei ing (4) Hoists and cranes;or bursting caused by centrifugal force; or b. Does not mean any:
(3) Elect l ai inc ing;rica f lure luding arc (1) "Elec Da Processing Equip-tronic ta ment ;"that causes physical da to " vemage co red
equipment and necessitates its repair or" (2) "Elec andtronic Data Processing Data replace andment; Media";
b. Does not mean: (3) Part of pressure or vacuu equip-m ment that is not under internal pres-(1) Mal tion, includ but not li itedfunc ing m sure of i contents or internal v c-ts ato adjustment al t, cal ion,, ignmen ibrat uum;cleaning or modi i ion;f cat
(4) Insulating or fractor ma l;re y teria(2) Leakage at any va v f tt , shaftl e, i ing seal, gland packing, joint or connec- (5) Pressure vessels and piping that are tion; buried below ground and require the
exca at o mater to inspect,v ion f ials(3) Damage to any va tube, gascuum remo e or repv , repair lace;tube, or brush;
(6) Structure, oundation, cab m-f inet or co(4) Damage to any structure or f a-ound part supporting or conta thement iningtion supporting the "co equip-vered "co equip " or part o thevered ment fment or any f ts parts;" o i "co equip " inc pen-vered ment luding(5) The funct o any sa or pro-ioning f fety stock, dra tube or welft l casing;tect v v ce; ori e de i (7) Vehic airc ft sel -propel equip-le, ra , f led
ment or f ing v , inc anyloat essel luding
MP 02 02 05T1 Copyright, Tra elers Inde ity mpany, 2004 Page 35 of 39The v mn Co Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS
b. Does not mean equipment used to oper-equipment mounted on or used solely ate production ftype o :with any veh le, a f , sel -ic ircra t f propelled equip or f ing v s-ment loat e (1) Machinery; or sel; (2) Equipment.
(8) Ele ator or escalator, but not e clud-v x 8. "Electro Van "nic dalism means any acts bying any elec ical mach or appara-tr ine persons, other than "employees", in o vv l ingtus mounted on or used with this any o f lowing:f the olequipment; or a. W l f l or mal ious destruction o coi l u ic f m-(9) Equip or any part of such equip-ment puter programs, content instruct or, ionsment manu you r sale.factured by fo other elect or d tal data storedronic igi

5. "Diag Eq pmentnostic ui " means any: within co systems; ormputer a. b.Equip ; Unauthorized co code or pro-ment or mputer gram ingm that:b. Apparatus;
(1) Deletes, distorts, cor or manipu-ruptsused solely for research, diagnostic, med l,ica lates compu programs, contenter ts,surgical, therapeutic, dental or pathological instructions or other electronic or digi-purposes.
tal data, or otherwise results in dam-6. "Electro Data Processing Data and Me-nic age to co or co sys-mputers mputerdia" te or networks to which is intro-ms a. Means any of the fo lowing used in yourl duced;
computer :operations (2) Replicates itsel , i ir the per-f mpa ing (1) Data stored as or on, created or used for ance of co or computerm mputers on, or transmi to or f m cotted ro m- systems or networks; or puter software (including systems (3) Gains remo contro access to datate land applications) on electronic data and program ing within com mputersprocessing, recording or storage me- or computers systems or networks todia such as hard or floppy disks, CD- which it is introduced, for uses otherROMS, tapes, dr v cel datai es, ls, than those intended for authorizedprocessing dev or any other re-ices users of the co or computers mputerpositories of co ftware whichmputer so systems or networks.are used with electronica ly control lled

9. "Employee(s)"equipment;
a. Means:(2) The electron med on which theic ia
data is stored; and (1) Any natural person:
(3) Program ing records and instruc-m (a) W i in your ser ce (and for 30h le vi tions used for "Elec Data Proc-tronic days after m ion o ser ice);ter inat f v essing Equip ";ment and (b) W m you co directho mpensate ly b. Does not mean "Valuable Papers and by salary, wages or com issions;m Records". and

7. "Electro Processin q pment"nic Data g E ui (c) W m v ight irectho you ha e the r to d and control while per m ser-for inga. Means any of the fol equipmentlowing v ces ;i for youused in your operations:
(2) Any natural person employed by an(1) Elect data processing equip-ronic emp ment con whi thatloy tractor lement facsi i mach word proc-, m le ines, person is subject to your directionessors, mu i- t telephonelt func ional and control and per m ser icesfor ing vequipment and laptop and portable for you e luding, however any suchxc ,computers; and
person while ha ing care and custodyv(2) Any component parts and peripherals of the pre ises; orproperty outside mof such equip inc relatedment, luding surge protection de ices; andv

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS

15. "Manager" means a person ser in a di-ving(3) Your directors or trustees while acting rectoria capaci for a l m liab i col ty i ited il ty m-as a member o any o your electedf f pany.or appointed com i to per mm ttees for
on your behalf speci ic, as distin-f 16. "Member" means an owner of a l m iabii ited l l- guished fro general, d ia ac ;m irector l ts ity co represented by its mempany mbership and interest, who also may ser ice as a "man-v
ager".b. Does not mean any agent, broker, person
leased to you by a labor leasing fir , fac-m 17. "Money" means currency and coins in cur- tor, co m merchant, consignee, in-m ission rent use, bank notes, tra checks, regis-velers dependent contractor or representati e ov f ter checks and money orders held for sale to the same general cter.chara the public.

10. "Empl Dishoyee onesty" m only dis-eans 18. "Operati ns"o means your business acti itv ies honest acts, com it by an "employee",m ted occurring at the described pre ises and them whether identi ied or not, act a or inf ing lone tenantabil y o the described pre ises.it f m collusion with other persons, except you, a 19. "Perio of Restorat n"d iopartner, a " m or a " with theme ber", manager" a. Means the period o ti thatf me :man fest to:i intent (1) Begins:a. Cause you to sustain loss; and also
(i) For Business Income co erage:vb. Obtain f l bene it (other than sala-inancia f ries, co m fees, bonuses, promo-m issions, a) W t the date o di physi-i h f rect tions, awards, prof sharing, pensions orit cal loss or damage, i thef other employee benef earned in theits Declarat show Im i-ions med norma f e loy forl course o mp ment) : ately for Per of Restora-iod tion
T me ori Period;(1) The "e loyee"; ormp
b) 72 hours after the ti e o di-m f(2) Any person or organization intended rect physical loss or damage,by the "e loyee" to recei e thatmp v i the Declara show 72f tionsbenefit. hours for Period of Restora-11. "Fi "ne Arts tion i Period;T me or
a. Means paintings, etchings, p tap-ictures, (ii) For E E co withxtra xpense verage estries, art glass windows, va rugs,luable the date of direct physical loss or statuary, marbles, bronzes, antique furni- damage;ture, rare books, antique sil er, porce-v caused by or resulting fro any Co -m vlains, rare g bric-a-brac, and si larlass, mi ered Cause of Loss at the describedproperty with histori v lue, or artcal a istic premises; andmer ; andit
(2) Ends on the earlier f:ob. Does not mean any glass that is part of a build ctureing or stru . (i) The date when the property at the described prem should beises12. "Forgery" means the signing of the name of repaired, rebui or replaced withltanother person or organization with intent to reasonable speed and similardecei . "Forgery" does not mean a signatureve qualit ; orywhich consists in whole or in part of one's own name signed with or without authority in, (ii) The date when business is re- any capacity for any purpose. sumed at a new permanent loca- tion; and13. "Interi of a bu di or structure"or ny il ng means all port of the bui ing or structureions ld b. Does not mean any increased period re- that are within the e ior fa sur ma-xter cing face quired due to the enforcement o any lawf teria f ild structure.l o the bu ing or that:

14. "Mainte Fees"nance means the regular (1) Regulates the construction, use or payment made to you by uni -owners andt repair, or requires the tearing down of used to serv the co mon propertice m y. any property; or MP 02 02 05T1 Copyright, Tra elers Inde ity mpany, 2004 Page 37 of 39The v mn Co Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS
b. Includes "co equ ment" that isvered ip(2) Requires any insured or others to test used solely with or for an integral partmsfor mon c up, re v con-, itor, lean mo e, of the:tain, treat deto i or neutra ize, or in, x fy l
any way respond to, or assess the ef- (1) Production;
fec f "po tants".ts o llu (2) Process; or
The exp ion date of th policy wil not cutirat is l (3) Apparatus.short the "period o restoration"f .

24. "Rental Value" means Business Income that20. "Pol tants"lu means any solid, l gase-iquid, consists of:ous or thermal irr or conta inant, includ-itant m a. Net Income (Net Pro i or Loss before in-f ting smoke, v soot, fu acids, alka is,apor, mes, l come ta that would have beenxes)chem ls, waste, and any unhealthfu orica l earned or incurred as rental inco frome mhazardous building ma ls (includ butteria ing tenant occupancy of the prem de-isesnot l m to asbestos and lead products ori ited scribed in the Declarations as furnishedma ls contain lead). W incteria ing aste ludes and equipped by you, inc ing the falud irma ls to be recyc recondit or re-teria led, ioned rental v lue o any port o the de-a f ion fclai ed.m
scribed prem which is occupied byises21. "Po neratin qu nt"wer Ge g E ipme you; and a. Means the fol types of equiplowing ment b. Continuing nor l operat e sma ing xpenseor apparatus: incurred in connect with that pre ises,ion m (1) Pressure; including:
(2) Mechanical; or (1) Payrol andl;
(3) Elect aric l; (2) The amount o charges which are thef legal obl o the tenant(s) butigation fused in or associated with the generation would otherwise be your obligations.of trelec ic power; and

25. "Securities" means all negotiab and non-leb. Does not mean such equipment that is negotiable instru or contracts repre-mentsused solely to generate e powermergency senting either " or other propert andmoney" ythat 1000K .is less than or equal to W includes re enue or other stamps in currentv22. "Po p "wer Su ply Services use, tokens, ticke and credit card slips forts a. Means the fol types of propertylowing sales made by you and held by you for re m-i supplying electr ity steam or gas to theic , bursement fro co an issuing creditm mp ies described premises: cards, but does not include " Lotterymoney". tic for securitkets held sale are not ies.(1) Uti ity lants;l generating p

26. "Specif Causes of Loss"ied means the fol-(2) Switching stations; lowing:(3) Substations;
Fire l e windstorm or hai; ightning; xplosion; l;(4) Transformers; and smoke; a f or v ic riot or c v l coircra t eh les; i i m- (5) Transm ; andission lines mo v ism; leakage fro f e in-tion; andal m ire xt guishing equipment sinkhole col vo; lapse; l-b. Does not mean o tverhead ransmission canic act fa ing objec weight o snow,ion; ll ts; flines. ice or mage.sleet; water da23. "Prod on E ipmen "ucti qu t a. Sinkhole co means the suddenllapsea. Means any: sinking or co lapse of land into under-l ground empty spaces created by the ac-(1) Production chineryma ; or tion o water on li or dolomif mestone te.(2) Process machinery; This cause of oss does not include:l that processes, shapes, for inds:ms or gr (1) The cost o f l ing sinkholes; orf i l (1) Raw materials; (2) Sink or col of land into un-ing lapse (2) Materials in process; or derground man- v tmade ca i ies. (3) Fin andished products;

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESS WO NERS
b. Fal ing objects does not include loss of orl ant. Such bu lding is va when it doesi cant damage to not contain enough business personal:
property to conduct customar opera-y(1) Personal Property orin the open; tions. (2) The "in o a bu lding or struc-terior f i (2) W is policy is issued to the owner orhen thture", or property inside a building or general lessee of a bui bui inglding, ldstructure, unless the roof or an out- means the ent bui ing. Such bui ingire ld ldside wall o lding or structure isf the bui is vacant unless at least 31% of its totalf maged by a fa ing ob .irst da ll ject square footage is:
c. W ter da means accidental d s-a mage i (a) Rented to a lessee or sub-lessee andcharge or leakage of water or steam as used by the lessee or sub-lessee tothe direct result o the breaking apart orf conduct i operations; orts customarycracking o any par o a system or applf t f i- (b) Used by the building owner to con-ance (other than a sump system inc inglud duct customar ions.y operatits rela equip and parts) that is lo-ted ment cated on the described prem andises 31. "Valua Papers an ds"ble d Recor contains water or steam. a. Means inscribed, printed t :or wri ten

27. "Stock" means merchandise held in storage (1) Documents;or for sale, raw ma ls and in-process orteria f ished goods, including supplies used inin (2) Manuscripts; or their pack shipping.ing or (3) Records;

28. "Suspe on"nsi means: includ abstracts, books, deeds, draw-ing a. The partia or co cessation of yourl mplete ings, il maps or tgages; andf ms, mor business acti i orv ties; b. Does not mean "money" or "securities" or b. That a part or a l o the described prem-l f "Elec Data Processing Data andtronic ises is rendered untenantable. Media".

29. " "Theft means any act f steal .o ing 32. "Water Supp Services"ly means the fo w-llo ing types of property supplying water to the30. "Vacant" means the lfo lowing:
described premises:(1) W th poli is issued to a tenant,hen is cy a. Pump stating ions; andand with respect to that tenant's interest in Co ered Property bui ing means thev , ld b. W ter maa ins. unit or suite rented or leased to the ten-
MP 02 02 05T1 Copyright, Tra elers Inde ity mpany, 2004 Page 39 of 39The v mn Co Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

RESTAURANT PAC
A Custom Insurance Policy Prepared for:

Presented by:

Report Claims Immediately by Calling*1-800-238-6225Speak directly with a claim professional24 hours a day, 365 days a year*Unless Your Policy Requires Written Notice or Reporting

FAST FOOD - ALL OTHER
PLAY HOUSE, LLC2319 CENTRAL AVE
1BROKER INS SERVICES
ALAMEDA CA 94501-4513
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D COMMON POLICY DECLARATIONSPOLICY NO.:ISSUE DATE:BUSINESS:INSURING COMPANY:1. NAMED INSURED AND MAILING ADDRESS:

2. POLICY PERIOD:Fromto 12:01 A.M. Standard Time at your mailing address.3. DESCRIPTION OF PREMISES:
680-A2036190-25-42RESTAURANT PAC08/27/2025FAST FOOD - ALLTRAVELERS CASUALTY INSURANCE COMPANY OF AMERICA 10/11/202510/11/2026
PLAY HOUSE, LLC2319 CENTRAL AVEALAMEDA CA 94501-4513
OCCUPANCY (same as Mailing Address unless specified otherwise)ADDRESS001001FAST FOOD - ALL2319 CENTRAL AVEALAMEDACA94501-4513 PREM. LOC.NO.BLDG. NO.

COVERAGE PARTS and SUPPLEMENTSINSURING COMPANYBusinessowners Coverage Part -6. SUPPLEMENTAL POLICIES:Each of the following is a separate policy containing its complete provisions.POLICYPOLICY NUMBERINSURING COMPANY

7. PREMIUM SUMMARY:Provisional Premium$Due at Inception$Due at Each$NAME AND ADDRESS OF AGENT OR BROKERCOUNTERSIGNED BY:

Authorized RepresentativeDATE:IL T0 19 02 05(Page 1 of )Office:

4.COVERAGE PARTS AND SUPPLEMENTS FORMING PART OF THIS POLICY AND INSURING COMPANIES

5.The COMPLETE POLICY consists of this declarations and all other declarations, and the forms and endorse ments for which symbol numbers are attached on a separate listing.

DOWN
ACJ
DIRECT BILLSUBJECT TO AUDIT 2,505.00
01 1BROKER INS SERVICES1615 HILL RD STE 21NOVATOCA949474304WALNUT CREEK CA08/27/2025 DRK51
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D BUSINESSOWNERS COVERAGE PART DECLARATIONSPOLICY NO.:ISSUE DATE:

SPECIAL PROVISIONS:COMMERCIAL GENERAL LIABILITY COVERAGE IS SUBJECT TO A GENERAL AGGREGATE LIMITMP T0 01 02 05(Page of ) INSURING COMPANY:POLICY PERIOD:

COVERAGES AND LIMITS OF INSURANCE: Insurance applies only to an item for which a"limit" or the word "included" is shown.COMMERCIAL GENERAL LIABILITY COVERAGEOCCURRENCE FORM LIMITS OF INSURANCE

BUSINESSOWNERS PROPERTY COVERAGE
RESTAURANT PAC680-A2036190-25-4208/27/2025TRAVELERS CASUALTY INSURANCE COMPANY OF AMERICAFrom 10-11-25 to 10-11-26 12:01 A.M. Standard Time at your mailing addressFORM OF BUSINESS: LIMITED LIABILITY COMPANY General Aggregate (except Products-Completed Operations Limit) $ 4,000,000Products-completed Operations Aggregate Limit $ 4,000,000Personal and Advertising Injury Limit $ 2,000,000Each Occurrence Limit $ 2,000,000Medical Payments Limit (any one person) $ 5,000 DEDUCTIBLE AMOUNT: Businessowners Property Coverage: $ 1,000 per occurrence. Building Glass: $ 1,000 per occurrence.BUSINESS INCOME/EXTRA EXPENSE LIMIT: Actual loss for 12 consecutive monthsPeriod of Restoration-Time Period: ImmediatelyADDITIONAL COVERAGE: Fine Arts: $ 25,000 Other additional coverages apply and may be changed by an endorsement. Pleaseread the policy.

Damage to Premises Rented to You $ 300,000 12 Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D BUSINESSOWNERS PROPERTY COVERAGEPREMISES LOCATION NO.:BUILDING NO. : LIMIT OF INFLATION COVERAGE INSURANCE VALUATION COINSURANCE GUARD001 001 BUSINESS PERSONAL PROPERTY *Replacement Cost$ 30,500RC*N/A0.0%COVERAGE EXTENSIONS: $ 25,000$ 25,000Accounts ReceivableValuable PapersOther coverage extensions apply and may be changed by an endorsement. Please read the policy.

MP T0 01 02 05(Page of )22
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D EFFECTIVE DATE:POLICY NUMBER:ISSUE DATE:680-A2036190-25-4208/27/202510/11/2025 LISTING OF FORMS, ENDORSEMENTS AND SCHEDULE NUMBERSTHIS LISTING SHOWS THE NUMBER OF FORMS, SCHEDULES AND ENDORSEMENTSBY LINE OF BUSINESSCOMMON POLICY DECLARATIONSIL T0 19 02 05BUSINESSOWNERS COVERAGE PART DECLARATIONSMP T0 01 02 05FORMS ENDORSEMENTS AND SCHEDULE NUMBERSIL T8 01 01 01COMMON POLICY CONDITIONSIL T3 15 09 07BUSINESSOWNERSTABLE OF CONTENTS - BUSINESSOWNERS COVERAGE PART - DELUXE PLANMP T1 30 02 05BUSINESSOWNERS PROPERTY COVERAGE SPECIAL FORMMP T1 02 02 05RESTAURANT AND PERISHABLE GOODS PREMIER ENDORSEMENTMP T3 66 08 15CALIFORNIA AMENDATORY PROVISIONSMP T5 22 08 07SEWER OR DRAIN BACK UP EXTENSIONMP T3 06 02 07PROTECTIVE SAFEGUARDS ENDORSEMENT FOR SPRINKLERED LOCATIONS AND RESTAURANTSMP T3 07 03 97FEDERAL TERRORISM RISK INSURANCE ACT DISCLOSUREMP T3 25 01 21EQUIPMENT BREAKDOWN - SERVICE INTERRUPTION LIMITATIONMP T3 50 11 06AMENDATORY PROVISIONS - GREEN BUILDING AND BUSINESS PERSONAL PROP COV ENHANCEMENTSMP T3 56 02 08SPOILAGE COVERAGEMP T9 73 02 05LIMIT OF INS/OCCURRENCE ENDT - CALIFORNIAMP T4 90 05 10CALIFORNIA CHANGESMP T5 08 02 20COMMERCIAL GENERAL LIABILITYDECLARATIONS PREMIUM SCHEDULECG T0 07 04 09KEY TO DECLARATIONS PREMIUM SCHEDULECG T0 08 07 86TABLE OF CONTENTS - COMMERCIAL GENERAL LIABILITY COVERAGE FORM CG T1 00 02 19CG T0 34 02 19COMMERCIAL GENERAL LIABILITY COVERAGE FORMCG T1 00 02 19AMENDATORY ENDORSEMENT - PRODUCTS-COMPLETED OPERATIONS HAZARDCG D3 09 02 19AMENDMENT OF INTELLECTUAL PROPERTY EXCLUSIONCG D9 10 09 21AMEND - NON CUMULATION OF EACH OCCCG D2 03 12 97PRODUCTS/COMPLETED OPERATIONS HAZARDS REDEFINED - CHANGESCG M3 01 02 05XTEND ENDORSEMENT FOR SMALL BUSINESSESCG D8 42 02 19HIRED AUTO AND NON-OWNED AUTO LIABILITYMP T1 25 11 03AMEND CONTRAL LIAB EXCL - EXC TO NAMED INSCG D4 21 07 08EXCLUSION - VIOLATION OF CONSUMER FINANCIAL PROTECTION LAWSCG D6 18 10 11EXCLUSION - VIOLATION OF BIOMETRIC INFORMATION PRIVACY LAWSCG D9 44 01 23EXCLUSION - COMMUNICABLE DISEASESCG D1 09 08 03IL T8 01 01 01PAGE:OF21 Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D EFFECTIVE DATE:POLICY NUMBER:ISSUE DATE:680-A2036190-25-4208/27/202510/11/2025 COMMERCIAL GENERAL LIABILITY (CONTINUED)EXCLUSION - DISCRIMINATIONCG D1 42 02 19AMENDMENT OF COVERAGE C - MEDICAL PAYMENTS (LIMITED PRODUCTS HAZARD INCLUSION)CG T3 56 07 86LIQUOR LIABILITYLIQUOR LIABILITY COVERAGE ENDORSEMENTMP T1 13 11 03MULTIPLE SUBLINE ENDORSEMENTSLIMITATION WHEN TWO OR MORE POLICIES APPLYCG T3 33 11 03INTERLINE ENDORSEMENTSAMNDT COMMON POLICY COND-PROHIBITED COVGIL T4 12 03 15CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISMIL T4 14 01 21PROTECTION OF PROPERTYIL T4 40 10 20EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIAIL T3 82 05 13NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (BROAD FORM)IL 00 21 09 08CALIFORNIA CHANGESIL 01 04 07 20CALIFORNIA CHANGES - CANCELLATION AND NONRENEWALIL 02 70 07 20POLICY HOLDER NOTICESIMPORTANT NOTICE - PRODUCT AVAILABILITYPN MP 59 04 19IMPORTANT NOTICE REGARDING INDEPENDENT AGENT AND BROKER COMPENSATIONPN T4 54 01 08IMP NOT PROT SAFEGUARDS SPRK AND RESTPN MP 57 04 17IMPORTANT INFORMATION ABOUT YOUR CALIFORNIA WILDFIRE RISK CLASSIFICATIONPN MP 64 10 23IMPORTANT NOTICE - JURISDICTIONAL INSPECTIONSPN MP 38 01 11 IL T8 01 01 01PAGE:OF22
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D COMMON POLICY CONDITIONSAll Coverage Parts included in this policy are subject to the following conditions:

IL T3 15 09 07 (Rev. 03-11) Includes the copyrighted material of Insurance Services Office, Inc. with its permission.Page 1 of 2 A.CANCELLATION 1.The first Named Insured shown in the Decla- rations may cancel this policy by mailing or delivering to us advance written notice of cancellation. 2.We may cancel this policy or any Coverage Part by mailing or delivering to the first Named Insured written notice of cancellation at least: a.10 days before the effective date of can- cellation if we cancel for nonpayment of premium; or b.30 days before the effective date of can- cellation if we cancel for any other rea- son. 3.We will mail or deliver our notice to the first Named Insured's last mailing address known to us. 4.Notice of cancellation will state the effective date of cancellation. If the policy is cancelled, that date will become the end of the policy period. If a Coverage Part is cancelled, that date will become the end of the policy period as respects that Coverage Part only. 5.If this policy or any Coverage Part is can- celled, we will send the first Named Insured any premium refund due. If we cancel, the re- fund will be pro rata. If the first Named In- sured cancels, the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a re- fund. 6.If notice is mailed, proof of mailing will be sufficient proof of notice. B.CHANGES This policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declara- tions is authorized to make changes in the terms of this policy with our consent. This policy's terms can be amended or waived only by endorsement issued by us as part of this policy.

C.EXAMINATION OF YOUR BOOKS AND RECORDS We may examine and audit your books and re- cords as they relate to this policy at any time dur- ing the policy period and up to three years after- ward. D.INSPECTIONS AND SURVEYS 1.We have the right to: a.Make inspections and surveys at any time; b.Give you reports on the conditions we find; and c.Recommend changes. 2.We are not obligated to make any inspec- tions, surveys, reports or recommendations and any such actions we do undertake relate only to insurability and the premiums to be charged. We do not make safety inspections. We do not undertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not warrant that conditions: a.Are safe or healthful; or b.Comply with laws, regulations, codes or standards. 3.Paragraphs 1. and 2. of this condition apply not only to us, but also to any rating, advi- sory, rate service or similar organization which makes insurance inspections, surveys, reports or recommendations. 4.Paragraph 2. of this condition does not apply to any inspections, surveys, reports or rec- ommendations we may make relative to certi- fication, under state or municipal statutes, or- dinances or regulations, of boilers, pressure vessels or elevators. E.PREMIUMS 1.The first Named Insured shown in the Decla- rations: a.Is responsible for the payment of all pre- miums; and b.Will be the payee for any return premi- ums we pay.

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D 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 PresidentIL T3 15 09 07 Page 2 of 2Includes the copyrighted material of Insurance Services Office, Inc. with its permission.(Rev. 03-11)

2.We compute all premiums for this policy in accordance with our rules, rates, rating plans, premiums and minimum premiums. The pre- mium shown in the Declarations was com- puted based on rates and rules in effect at the time the policy was issued. On each re- newal, continuation or anniversary of the ef- fective date of this policy, we will compute the premium in accordance with our rates and rules then in effect. F.TRANSFER OF YOUR RIGHTS AND DUTIES UNDER THIS POLICY Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named in- sured. If you die, your rights and duties will be trans- ferred to your legal representative but only while acting within the scope of duties as your legal representative. Until your legal representative is appointed, anyone having proper temporary cus- tody of your property will have your rights and duties but only with respect to that property. G.BUSINESSOWNERS COVERAGE PART – REFERENCES TO FORMS AND ENDORSE-MENTS In some instances, the Common Policy Declara- tions may list endorsements included in the Busi- nessowners Coverage Part that reference: 1.The Commercial Property Coverage Part; 2.The Commercial General Liability or Liquor Liability Coverage Part; or

3.Standard Property forms including, but not limited to, the following: a.Building and Personal Property Coverage Form; b.Business Income Coverage Form; c.Commercial Property Conditions; d.Condominium Association Coverage Form; e.Condominium Commercial Unit-Owners Coverage Form; f.Causes of Loss Basic Form; g.Causes of Loss Special Form; and h.Causes of Loss Earthquake Form.Endorsements referencing the Commercial Property Coverage Part or the Standard Property Forms referenced above apply to the Businessowners Property Coverage Spe- cial Form in the same manner as they apply to the forms they reference. Endorsements referencing the Commercial General Liability Coverage Part apply to the Commercial General Liability Coverage Form (included in the Businessowners Coverage Part) in the same manner as they apply to the form they reference. H.INSURANCE UNDER TWO OR MORE COVER- AGE PARTS If two or more of this policy's Coverage Parts ap- ply to the same loss or damage, we will not pay more than the actual amount of the loss or dam- age. This policy consists of the Common Policy Declarations and the Coverage Parts and endorsements listed in that declarations form. In return for payment of the premium, we agree with the Named Insured to provide the insurance afforded by a Coverage Part forming part of this policy. That insurance will be provided by the company indicated as insuring company 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:

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

TRAVELERS PROPERTY
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

TRAVELERS PROPERTY
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D TABLE OF CONTENTSBUSINESSOWNERS COVERAGE PARTDELUXE PLANThe following indicates the contents of the principal forms which may be attached to your policy. It containsno reference to the Declarations or Endorsements which also may be attached.BUSINESSOWNERS PROPERTY COVERAGE SPECIAL FORM MP T1 02Beginning on Page1COVERAGECovered Property1Property Not Covered2Business Income and Extra Expense2Covered Causes of Loss3Limitations 3Additional Coverages4Coverage Extensions11EXCLUSIONS 22LIMITS OF INSURANCE26Inflation Guard 26Business Personal Property Limit — Seasonal Increase27DEDUCTIBLES 27PROPERTY LOSS CONDITIONS27Abandonment 27Appraisal 27Duties in the Event of Loss or Damage27Loss Payment — Building and Personal Property2831Recovered Property32Noncumulative Limit32COMMERCIAL PROPERTY CONDITIONS32Concealment, Misrepresentation or Fraud32Control of Property32Insurance Under Two or More Coverages33Legal Action Against Us33Liberalization 33No Benefit to Bailee33Other Insurance 33Policy Period, Coverage Territory33Transfer of Rights of Recovery Against Others to Us33Coinsurance 33Mortgageholders 34PROPERTY DEFINITIONS35 MP T1 30 02 05 Page 1 of 1
Loss Payment — Business Income and Extra Expense
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

SPECIAL FORMBUSINESSOWNERS

BUSINESSOWNERS PROPERTY COVERAGE
Copyright, The Travelers Indemnity Company, 2004Page 1 of 39MP T1 02 02 05 Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations. The words "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 Paragraph G – PROP- ERTY DEFINITIONS. A.COVERAGE We will pay for direct physical loss of or damage to Covered Property at the premises described in the Declarations caused by or resulting from a Covered Cause of Loss. 1.Covered Property Covered Property, as used in this Coverage Form, means the type of property described in this Paragraph A.1., and limited in Para- graph A.2., Property Not Covered, if a Limit of Insurance is shown in the Declarations for that type of property. a.Building, meaning the building or struc- ture described in the Declarations, includ- ing: (1)Completed additions; (2)Fences; (3)Fixtures, including outdoor fixtures; (4)Retaining walls, whether or not at- tached; (5)Permanently attached: (a)Machinery; and (b)Equipment; (6)Outdoor swimming pools; (7)Personal property owned by you that is used to maintain or service the building or structure or its premises, including: (a)Fire extinguishing equipment; (b)Outdoor furniture; (c)Floor coverings; (d)Lobby and hallway furnishings; (e)Appliances used for refrigerating, ventilating, cooking, dishwashing or laundering; (f)Lawn maintenance and snow re- moval equipment; and (g)Alarm systems; and (8)If not covered by other insurance: (a)Additions under construction, al- terations and repairs to the build- ing or structure; and (b)Materials, equipment, supplies and temporary structures, on or within 1,000 feet of the described premises, used for making addi- tions, alterations or repairs to the building or structure. b.Business Personal Property located in or on the buildings described in the Dec- larations or in the open (or in a vehicle) within 1,000 feet of the described prem- ises, including: (1)Property owned by you and used in your business; (2)Property of others that is in your care, custody or control; (3)Your use interest as tenant in im- provements and betterments. Im- provements and betterments are fix- tures, alterations, installations or ad- ditions: (a)Made a part of the building or structure you rent, lease or oc- cupy but do not own; and (b)You acquired or made at your expense but are not permitted to remove; and (4)"Money" and "Securities". 2.Property Not Covered Unless the following is added by endorse- ment to this Coverage Form, Covered Prop- erty does not include:

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D Copyright, The Travelers Indemnity Company, 2004Page 2 of 39 MP T1 02 02 05 BUSINESSOWNERS a.Aircraft; b.Automobiles held for sale; c.Vehicles or self-propelled machines that are: (1)Licensed for use on public roads; or (2)Operated principally away from the described premises; This paragraph does not apply to: (1)Vehicles or self-propelled machines or autos you manufacture, process or warehouse; (2) Vehicles or self-propelled machines, other than autos, you hold for sale; or (3) Trailers or semi-trailers, except as provided in the Non-Owned Detached Trailers Coverage Extension. d.Dams or dikes; e.Contraband, or property in the course of illegal transportation or trade; f.The cost of excavating, grading, backfill- ing or filling (except those costs made necessary due to repair of buildings in- sured under this Coverage Form from a Covered Cause of Loss), reclaiming or restoring land or water; g.Water or land whether in its natural state or otherwise (including land on which the property is located), land improvements, growing crops or standing timber; h.Outdoor trees, shrubs, plants and lawns, other than "stock" except as provided in the Outdoor Trees, Shrubs, Plants and Lawns Coverage Extension. i.The following property while outside of the buildings: (1)Bridges, walks, roadways, patios or other paved surfaces; or (2)Outdoor radio or television antennas, (including satellite dishes) and includ- ing their lead-in wiring, masts or tow- ers; except as provided in the Outdoor Prop- erty Coverage Extension; j.Watercraft (including motors, equipment and accessories) while afloat; k.Accounts and bills, except as provided in the Accounts Receivable Coverage Ex- tension; l."Valuable Papers and Records", except as provided in the Valuable Papers and Records Coverage Extension; m.Property that is covered under another Coverage Form of this or any other policy in which it is more specifically described, except for the excess of the amount due (whether you can collect on it or not) from that other insurance; n."Fine Arts" except as provided in the Fine Arts Additional Coverage; o.Bullion, gold, silver, platinum and other precious alloys or metals, except if they are used in your "operations" (theft limita- tion applies); p."Electronic Data Processing Equipment" (not including "stock") except as provided in the Electronic Data Processing Cover- age Extension; q."Electronic Data Processing Data and Media" (not including "stock") except as provided in the Electronic Data Process- ing Coverage Extension or in the Ac- counts Receivable Coverage Extension; or r.Outdoor signs, except as provided in the Signs Coverage Extension. 3.Business Income and Extra ExpenseBusiness Income and Extra Expense is pro- vided at the premises described in the Decla- rations when the Declarations show that you have coverage for Business Income and Ex- tra Expense. a.Business Income (1)Business Income means: (a)Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred, in- cluding: (i)"Rental Value"; and (ii)"Maintenance Fees", if you are a condominium associa- tion; and (b)Continuing normal operating ex- penses incurred, including pay- roll. (2)We will pay for the actual loss of Business Income you sustain due to the necessary "suspension" of your "operations" during the "period of res- toration". The "suspension" must be Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERS
Copyright, The Travelers Indemnity Company, 2004Page 3 of 39MP T1 02 02 05 caused by direct physical loss of or damage to property at the described premises. The loss or damage must be caused by or result from a Cov- ered Cause of Loss. With respect to loss of or damage to personal prop- erty in the open or personal property in a vehicle, the described premises include the area within 1,000 feet of the site at which the described prem- ises are located. (3) With respect to the requirements set forth in Paragraph (2) above, if you rent, lease or occupy only part of the site at which the described premises are located, the described premises means: (a) The portion of the building which you rent, lease or occupy; and (b) Any area within the building or on the site at which the described premises are located, if that area services, or is used to gain ac- cess to, the described premises. b.Extra Expense (1) Extra Expense means reasonable and necessary expenses you incur during the "period of restoration" that you would not have incurred if there had been no direct physical loss of or damage to property caused by or re- sulting from a Covered Cause of Loss. (2) We will pay Extra Expense (other than the expense to repair or replace property) to: (a) Avoid or minimize the "suspen- sion" of business and to continue "operations" at the described premises or at replacement premises or temporary locations, including relocation expenses and costs to equip and operate the replacement premises or temporary locations; or (b) Minimize the "suspension" of business if you cannot continue "operations". (3) We will also pay Extra Expense (in- cluding Expediting Expenses) to re- pair or replace the property, but only to the extent it reduces the amount of loss that otherwise would have been payable under Paragraph a. Business Income, above. c.Extended Business Income If the necessary "suspension" of your "operations" produces a Business Income loss payable under Paragraph a. Busi- ness Income above, we will also pay for the actual loss of Business Income you sustain during the period that: (1)Begins on the date property is actu- ally repaired, rebuilt or replaced and "operations" are resumed; and (2)Ends on the earlier of: (a)The date you could restore your "operations" with reasonable speed, to the level which would generate the Business Income amount that would have existed if no direct physical loss or damage occurred; or (b)Sixty consecutive days after the date determined in Paragraph (1) above. However, this extended Business Income does not apply to loss of Business In- come incurred as a result of unfavorable business conditions caused by the impact of the Covered Cause of Loss in the area where the described premises are lo- cated. d.If the Declarations show for Business In- come and Extra Expense: (1)Actual loss for 12 consecutive months, then we will pay for loss of Business Income and Extra Expense that occurs within 12 consecutive months following the date of direct physical loss or damage; or (2)Actual loss up to 12 consecutive months subject to a maximum dollar limit, then we will pay for loss of Busi- ness Income and Extra Expense that occurs within 12 consecutive months following the date of direct physical loss or damage, subject to the limit shown in any one occurrence. 4.Covered Causes of Loss RISKS OF DIRECT PHYSICAL LOSS unless the loss is:

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERS
Copyright, The Travelers Indemnity Company, 2004Page 4 of 39 MP T1 02 02 05 a.Limited in Paragraph A.5., Limitations; orb.Excluded in Paragraph B., Exclusions. 5.Limitations a.We will not pay for loss of or damage to:(1)The "interior of any building or struc-ture" or to personal property in the building or structure, caused by rain, snow, sleet, ice, sand or dust, whether driven by wind or not, unless: (a)The building or structure first sus- tains damage by a Covered Cause of Loss to its roof or walls through which the rain, snow, sleet, ice, sand or dust enters; or (b)The loss or damage is caused by or results from thawing of snow, sleet or ice on the building or structure. (2)Steam boilers, steam pipes, steam engines, or steam turbines, caused by or resulting from any condition or event inside such equipment. But we will pay for loss of or damage to such equipment caused by or resulting from an explosion of gases or fuel within the furnace of any fired vessel or within the flues or passages through which the gases of combus- tion pass. (3)Hot water boilers or other water heat- ing equipment caused by or resulting from any condition or event inside such boilers or equipment, other than explosion. b.We will not pay for loss of or damage to the following types of property unless caused by any of the "specified causes of loss" or building glass breakage: (1)Live animals, birds or fish, and then only if they are killed or their destruc- tion is made necessary. (2)Fragile articles such as glassware, statuary, marbles, chinaware and porcelains, if broken. This limitation does not apply to: (a)Glass that is part of the exterior or interior of a building or struc- ture; (b)Containers of property held for sale; or (c)Photographic or scientific instru- ment lenses. c.For loss or damage by "theft", the most we will pay in any one occurrence for the following types of property is: (1)$2,500 for all furs, fur garments and garments trimmed with fur. (2)$5,000 for all jewelry, watches, watch movements, jewels, pearls, precious and semi-precious stones, bullion, gold, silver, platinum and other pre- cious alloys or metals. This limit does not apply to jewelry and watches worth $500 or less per item. (3)$2,500 for all patterns, dies, molds and forms. d.We will not pay for any loss or damage caused by any of the following, even if they are Covered Causes of Loss, if the building where loss or damage occurs has been "vacant" for more than 60 con- secutive days before that loss or damage occurs: (1)Vandalism; (2)Sprinkler Leakage, unless you have protected the system against freez- ing; (3)Building glass breakage; (4)Discharge or leakage of water; (5)"Theft"; or (6)Attempted "theft". With respect to Covered Causes of Loss other than those listed in Paragraphs (1) through (6) above, we will reduce the amount we would otherwise pay for the loss or damage by 15%. e.Coverage for Business Income and Extra Expense does not apply to any loss or in- crease in loss caused by direct physical loss of or damage to "Electronic Data Processing Data and Media", except as provided in the Interruption of Computer Operations Coverage Extension. 6.Additional Coverages Unless otherwise stated, payments made un- der the following Additional Coverages are in addition to the applicable Limits of Insurance.

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D Copyright, The Travelers Indemnity Company, 2004MP T1 02 02 05 Page 5 of 39 BUSINESSOWNERSa.Arson and Theft Reward (1)We will pay for reasonable expenses you incur for rewards that lead to: (a)An arson conviction in connection with a covered fire or explosion loss, or (b)A "theft" conviction in connection with a covered "theft" loss. (2)The most we will pay under this Addi- tional Coverage in connection with a particular loss is $5,000. b.Claim Data Expense (1)We will pay the reasonable expenses you incur in preparing claim data when we require such data to show the extent of loss. This includes the cost of taking inventories, making ap- praisals, preparing income state- ments, and preparing other documen- tation. (2)Under this Additional Coverage, we will not pay for: (a)Any expenses incurred, directed, or billed by or payable to attor- neys, insurance adjusters or their associates or subsidiaries; (b)Any costs in connection with Paragraph E.2., Appraisal; or (c)Any expenses incurred, directed, or billed by or payable to insur- ance brokers or agents, or their associates or subsidiaries, with- out our written consent prior to such expenses being incurred. (3)The most we will pay for preparation of claim data under this Additional Coverage in any one occurrence is $5,000 regardless of the number of premises involved. c.Debris Removal (1)We will pay your expense to remove debris of Covered Property, other than outdoor trees, shrubs, plants and lawns as described in the Out- door Trees, Shrubs, Plants and Lawns Coverage Extension, caused by or resulting from a Covered Cause of Loss that occurs during the policy period. The expenses will be paid only if they are reported to us in writ- ing within 180 days of the date of di- rect physical loss or damage. (2)Debris Removal does not apply to costs to: (a)Extract "pollutants" from land or water; or (b)Remove, restore or replace pol- luted land or water. (3)Except as provided in Paragraph (4) below, payment for Debris Removal is included within the applicable Limit of Insurance shown in the Declara- tions. The most we will pay under this Additional Coverage is 25% of: (a)The amount we pay for the direct physical loss or damage to Cov- ered Property; plus (b)The deductible in this Coverage Form applicable to that loss or damage. (4)When the debris removal expense exceeds the 25% limitation in Para- graph (3) above or when the sum of the debris removal expense and the amount we pay for the direct physical loss of or damage to Covered Prop- erty exceeds the applicable Limit of Insurance, we will pay up to an addi- tional $25,000 for debris removal ex- pense in any one occurrence, at each described premises. d.Employee Dishonesty (1)We will pay for loss of or damage to Covered Property resulting directly from "employee dishonesty". We will pay for loss or damage you sustain through acts committed or events occurring during the Policy Period. Regardless of the number of years this insurance remains in force or the number of premiums paid, no Limit of Insurance cumulates year to year or period to period. (2)Paragraphs B.2.h. and B.2.o. do not apply to this Additional Coverage. (3)We will not pay for loss resulting from the dishonest acts of any "employee" if coverage for that "employee" was either cancelled or excluded from any previous insurance policy of yours Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERS
MP T1 02 02 05Copyright, The Travelers Indemnity Company, 2004Page 6 of 39 providing "employee dishonesty" coverage. (4)This Additional Coverage is cancelled as to any "employee" immediately upon discovery by: (a)You; or (b)Any of your partners, "members", "managers", officers, directors or trustees, not in collusion with the "employee", of any fraudulent dishonest act com- mitted by that "employee" before or after being employed by you. (5)We will pay for covered loss or dam- age only if discovered no later than one year from the end of the Policy Period. (6)The most we will pay for loss or dam- age under this Additional Coverage in any one occurrence is $25,000. (7)With respect to this Additional Cover- age, occurrence means all loss or damage caused by or involving the same "employee(s)" whether the re- sult of a single act or series of acts. (8)If, during the period of any prior "Em- ployee Dishonesty" insurance, you (or any predecessor in interest) sus- tained loss or damage that you could have recovered under that insurance, except that the time within which to discover loss or damage has expired, we will pay for it under this Additional Coverage, subject to the following: (a)This insurance became effective at the time of cancellation or ter- mination of the prior insurance; and (b)The loss or damage would have been covered by this insurance had it been in effect when the acts or events causing the loss or damage were committed or oc- curred. (9)The insurance provided under Para- graph (8) above is part of, not in addi- tion to the Limit of Insurance de- scribed in Paragraph (6) above and is limited to the lesser of the amount re- coverable under:
(a)This Additional Coverage, as of its effective date; or (b)The prior "Employee Dishonesty" insurance, had it remained in ef- fect. e.Expediting Expenses (1)In the event of direct physical loss of or damage to Covered Property caused by or resulting from a Cov- ered Cause of Loss, we will pay for the reasonable and necessary addi- tional expenses you incur to make temporary repairs, expedite perma- nent repairs, or expedite permanent replacement, at the premises sustain- ing loss or damage. Expediting ex- penses include overtime wages and the extra cost of express or other rapid means of transportation. Expe- diting expenses do not include ex- penses you incur for the temporary rental of property or temporary re- placement of damaged property. (2)With respect to this Additional Cover- age, "breakdown" to "covered equip- ment" will not be considered a Cov- ered Cause of Loss, even if otherwise covered elsewhere in this Coverage Form. (3)The most we will pay under this Addi- tional Coverage in any one occur- rence is $25,000, regardless of the number of premises involved. f.Fine Arts (1)When a Limit of Insurance is shown in the Declarations for Business Per- sonal Property at any described premises, we will pay for direct physi- cal loss of or damage to "fine arts" which are owned by: (a)You; or (b)Others and in your care, custody, or control; caused by or resulting from a Cov- ered Cause of Loss, including while on exhibit, anywhere within the Cov- erage Territory. (2)The breakage limitation under Para- graph A.5.b.(2) does not apply to this Additional Coverage.

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERS
Copyright, The Travelers Indemnity Company, 2004Page 7 of 39MP T1 02 02 05 (3)The following exclusions apply to this Additional Coverage: (a)We will not pay for loss or dam- age caused by or resulting from wear and tear, any quality in the property that causes it to damage or destroy itself, gradual deterio- ration, insects, birds, rodents or other animals; (b)We will not pay for loss or dam- age caused by or resulting from dampness or dryness of atmos- phere, or changes in or extremes of temperature; (c)We will not pay for loss or dam- age caused by or resulting from any repairing, restoration or re- touching process; (d)We will not pay for loss or dam- age caused by or resulting from faulty packing; (e)Paragraph B.1.b. Earth Move- ment; (f)Paragraph B.1.c. Governmental Action; (g)Paragraph B.1.d. Nuclear Haz- ard; (h) Paragraph B.1.f. War and Military Action; (i)Paragraph B.1.g. Water; (j)Paragraph B.1.h. Neglect; and (k)Paragraph B.2.g. No other exclusions in Paragraph B. Exclusions apply to this Additional Coverage. However, if any exclusions are added by endorsement to this Coverage Form, such exclusions will apply to this Additional Coverage. (4)The most we pay for loss or damage under this Additional Coverage in any one occurrence is $25,000, or the amount shown in the Declarations for "fine arts", whichever is greater. This limit applies regardless of the number of premises involved. g.Fire Department Service Charge When the fire department is called to save or protect Covered Property from a Covered Cause of Loss, we will pay up to $25,000 in any one occurrence for your liability for fire department service charges: (1)Assumed by contract or agreement prior to loss; or (2)Required by local ordinance. h.Fire Protective Equipment Discharge (1)If fire protective equipment dis- charges accidentally or to control a Covered Cause of Loss we will pay your cost to: (a)Refill or recharge the system with the extinguishing agents that were discharged; and (b)Replace or repair faulty valves or controls which caused the dis- charge. (2)The most we will pay under this Addi- tional Coverage in any one occur- rence is $10,000, regardless of the number of premises involved. i.Forgery or Alteration (1)We will pay for loss resulting directly from "forgery" or alteration of checks, drafts, promissory notes, or similar written promises, orders or directions to pay a sum certain in money that are made or drawn by or drawn upon you, or made or drawn by one acting as an agent or purported to have been so made or drawn. We will consider signatures that are produced or reproduced electroni- cally, mechanically or by facsimile the same as handwritten signatures. We will pay for loss that you sustain through acts committed or events oc- curring during the Policy Period. Re- gardless of the number of years this insurance remains in force or the number of premiums paid, no Limit of Insurance cumulates from year to year or period to period. (2)We will not pay for loss resulting from any dishonest or criminal acts com- mitted by you or any of your partners, "employees", "members", "manag- ers", officers, directors or trustees whether acting alone or in collusion with other persons.

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERS
MP T1 02 02 05Copyright, The Travelers Indemnity Company, 2004Page 8 of 39 (3)We will pay for covered loss discov- ered no later than one year from the end of the Policy Period. (4)The most we will pay for loss under this Additional Coverage in any one occurrence is $25,000, regardless of the number of premises involved. (5)With respect to this Additional Cover- age, occurrence means all loss caused by any person, or in which that person is concerned or impli- cated, either resulting from a single act or any number of such acts, whether the loss involves one or more instruments. (6)If, during the period of any prior For- gery or Alteration insurance, you (or any predecessor in interest) sus- tained loss or damage that you could have recovered under that insurance, except that the time within which to discover loss or damage has expired, we will pay for it under this Additional Coverage provided: (a)This insurance became effective at the time of cancellation or ter- mination of the prior insurance; and (b)The loss would have been cov- ered by this insurance had it been in effect when the acts or events causing the loss were committed or occurred. (7)The insurance provided under Para- graph (6) above is part of, and not in addition to the limit described in Para- graph (4) above and is limited to the lesser of the amount recoverable un- der: (a)This Additional Coverage up to the applicable Limit of Insurance under this Coverage Form, as of its effective date; or (b)The prior Forgery or Alteration in- surance, had it remained in ef- fect. (8)If you are sued for refusing to pay any covered instrument described in Paragraph (1) above on the basis that it has been forged or altered, and you have our written consent to de- fend against the suit, we will pay for any reasonable legal expenses that you incur and pay in that defense. The amount we will pay for these le- gal expenses will be part of and not in addition to the limit described in Paragraph (4) above. j.Newly Acquired or Constructed Prop- erty (1)Buildings (a)We will pay for direct physical loss of or damage to the following property caused by or resulting from a Covered Cause of Loss: (i)Your: a)New buildings while be- ing built on a premises shown in the Declara- tions; b)New buildings while be- ing built on newly ac- quired premises; and c)Materials, equipment, supplies and temporary structures used in con- nection with such build- ings while they are being built; or (ii)Buildings you acquire by pur- chase or lease at any prem- ises, including those prem- ises shown in the Declara- tions. (b)The most we will pay for loss of or damage to newly constructed buildings or newly acquired build- ings under this Additional Cover- age in any one occurrence is $500,000 at each premises. (2)Business Personal Property (a)When a Limit of Insurance is shown in the Declarations for Business Personal Property at any described premises, we will pay for direct physical loss of or damage to the following property caused by or resulting from a Covered Cause of Loss: (i) Business Personal Property, including such property that you newly acquire, at a build- Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERS
MP T1 02 02 05Copyright, The Travelers Indemnity Company, 2004Page 9 of 39 ing you acquire by purchase or lease at any premises, in- cluding those premises shown in the Declarations; and (ii)Business Personal Property that you newly acquire at a described premises. (b)The most we will pay for loss of or damage to Business Personal Property under this Additional Coverage in any one occurrence is $250,000 at each premises. (3)Period Of Coverage (a)With respect to insurance under this Additional Coverage, cover- age will end when any of the fol- lowing first occurs: (i)This policy expires; (ii)180 days expire after you ac- quire the property or begin to construct the property; (iii)You report values to us; or(iv)The property is more specifi- cally insured. (b)We will charge you additional premium for values reported to us from the date construction begins or you acquire the property. k.Ordinance or Law (1)In the event of damage by a Covered Cause of Loss to a building that is Covered Property, we will pay for: (a)Loss in value of the undamaged portion of the building as a con- sequence of enforcement of the minimum requirements of any or- dinance or law that requires the demolition of undamaged parts of the same building; (b)Demolition cost, meaning the cost to demolish and clear the site of undamaged parts of the same building as a consequence of enforcement of the minimum requirements of any ordinance or law that required demolition of such undamaged property; and (c)The increased cost of construc- tion, meaning the increased cost to repair, rebuild or construct the property as a consequence of en- forcement of the minimum re- quirements of any ordinance or law. This increased cost of con- struction coverage applies only if:(i)The building is insured for re- placement cost; (ii)The building is repaired, re- built or reconstructed; and (iii)The repaired, rebuilt or re- constructed building is in- tended for similar occupancy as the current building, unless otherwise required by zoning or land use ordinance or law. (2)The ordinance or law referred to in this Additional Coverage is an ordi- nance or Law that: (a)Regulates the demolition, con- struction or repair of buildings, or establishes zoning or land use requirements at the described premises; and (b)Is in force at the time of the loss.(3)We will not pay under this Additional Coverage for: (a)Loss due to any ordinance or law that: (i)You were required to comply with before the loss, even if the building was undamaged; and (ii)You failed to comply with; or (b)Costs associated with the en- forcement of any ordinance or law that requires any insured or others to test for, monitor, clean up, remove, contain, treat, detox- ify or neutralize, or in any way re- spond to, or assess the effects of "pollutants". (4)Paragraph B.1.a. does not apply to this Additional Coverage. (5)Subject to the limit described in Paragraph (6) below: (a)The insurance provided under this Additional Coverage for loss in value to the undamaged por- tion of the building is limited as follows:

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERS
MP T1 02 02 05Copyright, The Travelers Indemnity Company, 2004Page 10 of 39 (i) If Replacement Cost Cover- age applies and the building is repaired or replaced on the same or another premises, we will not pay more than the lesser of: a) The amount you actually spend to repair, rebuild or reconstruct the un- damaged portion of the building; or b) The amount it would cost to restore the undam- aged portion of the build- ing on the same prem- ises and to the same height, floor area, style and comparable quality of the original undam- aged portion of the build- ing; or (ii) If Replacement Cost Cover- age applies and the building is not repaired or replaced, or if Replacement Cost Cover- age does not apply, we will not pay more than the actual cash value of the undamaged portion of the building at the time of loss. (b) We will not pay more for demoli- tion costs than the amount you actually spend to demolish and clear the site of the described premises. (c) The insurance provided under this Additional Coverage for in- creased cost of construction is limited as follows: (i) If the building is repaired or replaced at the same prem- ises, or if you elect to rebuild at another premises, the most we will pay is the in- creased cost of construction at the same premises; or (ii) If the ordinance or law re- quires relocation to another premises, the most we will pay is the increased cost of construction at the new prem- ises. (6)The most we will pay for loss under this Additional Coverage for the total of all coverages described in Para- graph (1) above in any one occur- rence is $25,000 at each described premises. l.Outdoor Trees, Shrubs, Plants and Lawns (1)We will pay for direct physical loss of or damage to outdoor trees, shrubs, plants (other than "stock" of trees, shrubs or plants) and lawns located at the described premises caused by or resulting from a Covered Cause of Loss. (2)The most we will pay for loss or dam- age under this Additional Coverage in any one occurrence is $3,000 at each described premises. (3)Debris removal, because of covered loss or damage to outdoor trees, shrubs, plants and lawns, is included within the limits described in Para- graph (2) above. m.Pollutant Cleanup and Removal (1)We will pay your necessary and rea- sonable expense to extract "pollut- ants" from land or water at the de- scribed premises, if the discharge, dispersal, seepage, migration, re- lease or escape of the "pollutants" is caused by or results from a "specified cause of loss" which occurs: (a)At the described premises; (b)To Covered Property; and (c)During the policy period. (2)The expenses will be paid only if they are reported to us in writing within 180 days of the date on which the "specified cause of loss" occurs. (3)This Additional Coverage does not apply to costs to test for, monitor or assess the existence, concentration or effects of "pollutants". But we will pay for testing which is performed in the course of extracting the "pollut- ants" from the land or water. (4)The most we will pay under this Addi- tional Coverage is $25,000 for the sum of all covered expenses arising Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D Copyright, The Travelers Indemnity Company, 2004

BUSINESSOWNERS

out of all Covered Causes of Loss occurring during each separate 12 month period of this policy beginning with the effective date of this policy. This amount applies regardless of the number of premises involved. n.Preservation of Property (1)If it is necessary to move Covered Property from the described premises to preserve it from loss or damage by a Covered Cause of Loss, we will pay for: (a)Any direct physical loss of or damage to such property while: (i)Being moved; or (ii)Temporarily stored at another location only if the loss or damage occurs within 90 days after the property is first moved; and (b)The costs incurred to: (i)Remove such property from the described premises; and (ii)Return such property to the described premises. (2)Coverage under this Additional Cov- erage will end when any of the follow- ing first occurs: (a)When the policy is amended to provide insurance at the new lo- cation; (b)The property is returned to the original described premises; (c)90 days expire after the property is first moved; or (d)This policy expires. (3)Payments under this Additional Cov- erage are subject to and not in addi- tion to the applicable Limit of Insur- ance. o.Temporary Relocation of Property (1)If Covered Property is removed from the described premises and stored temporarily at a location you own, lease or operate while the described premises is being renovated or re- modeled, we will pay for direct physi- cal loss of or damage to that stored property:
(a)Caused by or resulting from a Covered Cause of Loss; (b)Up to $50,000 at each temporary location in any one occurrence; and (c)During the storage period of up to 90 consecutive days but not be- yond expiration of this policy. (2)This Additional Coverage does not apply if the stored property is more specifically insured. p. Water Damage, Other Liquids, Powder or Molten Material Damage (1)If loss or damage caused by or result- ing from covered water or other liq- uid, powder or molten material dam- age occurs, we will also pay the cost to tear out and replace any part of the building or structure to repair damage to the system or appliance from which the water or other substance escapes. (2)We will not pay the cost to repair any defect to a system or appliance from which the water, other liquid, powder or molten material escapes. But we will pay the cost to repair or replace damaged parts of fire extinguishing equipment if the damage: (a)Results in discharge of any sub- stance from an automatic fire pro- tection system; or (b)Is directly caused by freezing. (3)Payments under this Additional Cov- erage are subject to and not in addi- tion to the applicable Limit of Insur- ance. 7.Coverage Extensions Unless otherwise stated, payments made un- der the following Coverage Extensions are subject to and not in addition to the applicable Limits of Insurance. a.Accounts Receivable (1)When a Limit of Insurance is shown in the Declarations for Business Per- sonal Property at the described prem- ises, you may extend that insurance to apply to loss, as described in Paragraph (2) below, due to direct physical loss of or damage to your Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERS
MP T1 02 02 05Copyright, The Travelers Indemnity Company, 2004Page 12 of 39 records of accounts receivable (in- cluding those on electronic data processing media) caused by or re- sulting from a Covered Cause of Loss. Credit card company media will be considered accounts receivable until delivered to the credit card com- pany. (2)We will pay for: (a)All amounts due from your cus- tomers that you are unable to col- lect; (b)Interest charges on any loan re- quired to offset amounts you are unable to collect pending our payment of these amounts; (c)Collection expenses in excess of your normal collection expenses that are made necessary by the loss or damage; and (d)Other reasonable expenses that you incur to re-establish your re- cords of accounts receivable. (3)The following exclusions apply to this Coverage Extension: (a)We will not pay for loss caused by or resulting from bookkeeping, accounting or billing errors or omissions; (b)We will not pay for loss that re- quires an audit of records or any inventory computation to prove its factual existence; (c)We will not pay for loss caused by or resulting from alteration, falsification, concealment or de- struction of records of accounts receivable done to conceal the wrongful giving, taking or with- holding of money, securities or other property. But this exclusion applies only to the extent of the wrongful giving, taking or with- holding; (d)Paragraph B.1.b. Earth Move- ment; (e)Paragraph B.1.c. Governmental Action; (f)Paragraph B.1.d. Nuclear Haz- ard; (g)Paragraph B.1.f. War and Military Action; (h)Paragraph B.1.g. Water; (i)Paragraph B.1.h. Neglect; and (j)Paragraph B.2.g. No other exclusions in Paragraph B. Exclusions apply to this Coverage Extension. However, if any exclu- sions are added by endorsement to this Coverage Form, such exclusions will apply to this Coverage Extension. (4)The most we will pay under this Cov- erage Extension for loss of or dam- age to records of accounts receivable in any one occurrence while in transit or at a premises other than the de- scribed premises is $25,000. (5)The most we will pay under this Cov- erage Extension for loss of or dam- age to records of accounts receivable in any one occurrence at each de- scribed premises is $25,000 or the amount shown in the Declarations for Accounts Receivable, whichever is greater. (6)Payments made under this Coverage Extension are in addition to the appli- cable Limits of Insurance. b.Appurtenant Buildings and Structures(1)When a Limit of Insurance is shown in the Declarations for Building at the described premises, you may extend that insurance to apply to direct physical loss of or damage to inciden- tal appurtenant buildings or struc- tures, within 1,000 feet of that de- scribed premises, caused by or re- sulting from a Covered Cause of Loss. (2)When a Limit of Insurance is shown in the Declarations for Business Per- sonal Property at the described prem- ises, you may extend that insurance to apply to direct physical loss of or damage to Business Personal Prop- erty within incidental appurtenant buildings or structures within 1,000 feet of that described premises, caused by or resulting from a Cov- ered Cause of Loss.

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERS
Copyright, The Travelers Indemnity Company, 2004Page 13 of 39MP T1 02 02 05 (3)Incidental appurtenant buildings or structures include: (a)Storage buildings; (b)Carports; (c)Garages; (d)Pump houses; or (e)Above ground tanks; which have not been specifically de- scribed in the Declarations. (4)The most we will pay for loss or dam- age under this Coverage Extension in any one occurrence for any combina- tion of loss of or damage to Building and Business Personal Property is $50,000, regardless of the number of described premises involved. (5)Payments made under this Coverage Extension are in addition to the appli- cable Limits of Insurance. c.Building Glass (1)If: (a)You are the building owner; and (b)A Limit of Insurance is shown in the Declarations for Building at the described premises; you may extend that insurance to ap- ply to direct physical loss of or dam- age to all exterior and interior building glass caused by or resulting from a Covered Cause of Loss, including glass breakage and damage to glass by chemicals accidentally or mali- ciously applied to glass. (2)If: (a)You are a tenant; (b)A Limit of Insurance is shown in the Declarations for Building or Business Personal Property at the described premises; and (c)You are contractually obligated to repair or replace building glass at the described premises; you may extend that insurance to ap- ply to direct physical loss of or dam- age to all exterior and interior building glass caused by or resulting from a Covered Cause of Loss, including glass breakage and damage to glass by chemicals accidentally or mali- ciously applied to glass. (3)We will also pay for necessary ex- penses in connection with loss or damage covered in Paragraphs (1) or (2) above, incurred by you to: (a)Put up temporary plates or board up openings; (b)Repair or replace encasing frames; and (c)Remove or replace obstructions.(4)The following exclusions apply to this Coverage Extension: (a)We will not pay for loss or dam- age caused by or resulting from:(i)Wear and tear; (ii)Hidden or latent defect; (iii)Corrosion; or (iv)Rust; (b)Paragraph B.1.b. Earth Move- ment; (c)Paragraph B.1.c. Governmental Action; (d)Paragraph B.1.d. Nuclear Haz- ard; (e)Paragraph B.1.f. War and Military Action; and (f)Paragraph B.1.g. Water. No other exclusions in Paragraph B. Exclusions apply to this Coverage Extension. However, if any exclu- sions are added by endorsement to this Coverage Form, such exclusions will apply to this Coverage Extension.d.Business Income and Extra Expense From Dependent Property (1)When the Declarations show that you have coverage for Business Income and Extra Expense, you may extend that insurance to apply to the actual loss of Business Income you sustain and reasonable and necessary Extra Expense you incur due to the "sus- pension" of your "operations" during the "period of restoration". The "sus- pension" must be caused by direct physical loss or damage at the prem- ises of a Dependent Property, caused Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERS
Copyright, The Travelers Indemnity Company, 2004MP T1 02 02 05Page 14 of 39 by or resulting from a Covered Cause of Loss. (2)Dependent Property means property operated by others whom you de- pend on to: (a)Deliver materials or services (other than "water supply ser- vices", "communication supply services" or "power supply ser- vices") to you, or to others for your account (Contributing Loca- tions); (b)Accept your products or services (Recipient Locations); (c) Manufacture products for delivery to your customers under contract of sale (Manufacturing Loca- tions); or (d)Attract customers to your busi- ness (Leader Locations). (3)With respect to this Coverage Exten- sion, the "period of restoration": (a)Begins 24 hours after the time of direct physical loss or damage caused by or resulting from any Covered Cause of Loss at the premises of the Dependent Prop- erty; (b)Ends on the date when the prop- erty at the premises of the De- pendent Property should be re- paired, rebuilt or replaced with reasonable speed and similar quality; and (c)Does not include any increased period required due to the en- forcement of any ordinance or law that: (i)Regulates the construction, use or repair, or requires the tearing down of any property; or (ii)Requires any insured or oth- ers to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or as- sess the effects of "pollut- ants". (4)This Coverage Extension: (a)Applies to Dependent Property premises located within the Cov- erage Territory; and (b)Does not apply when you have more specific insurance under any other policy. (5)We will reduce the amount of your Business Income loss, other than Ex- tra Expense, to the extent you can resume "operations" in whole or in part, by using any other available: (a)Source of materials; or (b)Outlet for your products. (6)The most we will pay for Business In- come and Extra Expense under this Coverage Extension in any one oc- currence is $10,000, regardless of the number of described premises or number of Dependent Properties in- volved. (7)Payments made under this Coverage Extension are in addition to the appli- cable Limits of Insurance. e.Business Income and Extra Expense – Newly Acquired Premises (1)When the Declarations show that you have coverage for Business Income and Extra Expense, you may extend that insurance to apply to the actual loss of Business Income you sustain and reasonable and necessary Extra Expense you incur due to the "sus- pension" of your "operations" during the "period of restoration". The "sus- pension" must be caused by direct physical loss or damage caused by or resulting from a Covered Cause of Loss at any premises you newly ac- quire by purchase or lease (other than at fairs, trade shows or exhibi- tions). (2)The most we will pay under this Cov- erage Extension for the sum of Busi- ness Income and Extra Expense you incur in any one occurrence is $250,000 at each newly acquired premises. (3)Insurance under this Coverage Ex- tension for each newly acquired Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERS

premises will end when any of the fol- lowing first occurs: (a)This policy expires; (b)90 days expire after you acquire that premises; (c)You report that premises to us; or(d)The Business Income or Extra Expense is more specifically in- sured. We will charge you additional pre- mium for premises reported from the date you acquire that premises. (4)Payments made under this Coverage Extension are in addition to the appli- cable Limits of Insurance. f.Business Personal Property Off Prem- ises (1)When a Limit of Insurance is shown in the Declarations for Business Per- sonal Property at the described prem- ises, you may extend that insurance to apply to direct physical loss of or damage to such property caused by or resulting from a Covered Cause of Loss while: (a)In the course of transit to or from the described premises; or (b)Temporarily away from the de- scribed premises, and: (i)At a premises you do not own, lease or operate; or (ii)At any fair, trade show or ex- hibition at a premises you do not own or regularly occupy. (2)This Coverage Extension does not apply to property: (a)While in the custody of the United States Postal Service; (b)Rented or leased to others; (c)After delivery to customers; (d)In the care, custody or control of your salespersons, unless the property is in such care, custody or control at a fair, trade show or exhibition; (e)Temporarily at a premises for more than 60 consecutive days, except "money" and "securities" at a "banking premises"; (f)Otherwise covered under the Fine Arts Additional Coverage; or(g)Otherwise covered under the fol- lowing Coverage Extensions: (i)Accounts Receivable; (ii)Electronic Data Processing;(iii)Personal Effects; or (iv)Valuable Papers and Re- cords. g.Civil Authority (1) When the Declarations show that you have coverage for Business Income and Extra Expense, you may extend that insurance to apply to the actual loss of Business Income you sustain and reasonable and necessary Extra Expense you incur caused by action of civil authority that prohibits access to the described premises. The civil authority action must be due to direct physical loss of or damage to prop- erty at locations, other than described premises, that are within 100 miles of the described premises, caused by or resulting from a Covered Cause of Loss. (2)The coverage for Business Income will begin 24 hours after the time of that action and will apply for a period of three consecutive weeks after cov- erage begins. (3)The coverage for Extra Expense will begin immediately after the time of that action and will end when your Business Income coverage ends for this Coverage Extension. h.Electronic Data Processing (1)When a Limit of Insurance is shown in the Declarations for Business Per- sonal Property at the described prem- ises, you may extend that insurance to apply to direct physical loss of or damage to "Electronic Data Process- ing Equipment" and to "Electronic Data Processing Data and Media", caused by or resulting from a Cov- ered Cause of Loss. (2)Worldwide coverage is provided un- der this Coverage Extension. The coverage territory as described in Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERS
MP T1 02 02 05Copyright, The Travelers Indemnity Company, 2004Page 16 of 39 Paragraph F.8.b. does not apply to this Coverage Extension. (3)This Coverage Extension does not apply to: (a)"Stock"; or (b)Property that is leased or rented to others. (4)The following exclusions as de- scribed in Paragraph B. Exclusions do not apply to this Coverage Exten- sion: (a)Paragraph 1.e. Utility Services; (b)Paragraph 2.a.; or (c)Paragraph 2.d.(6). (5)The following additional exclusions apply to this Coverage Extension: (a)We will not pay for loss or dam- age caused by or resulting from any of the following: (i)Programming errors, omis- sions or incorrect instructions to a machine. But if pro- gramming errors, omissions or incorrect instructions to a machine results in a "speci- fied cause of loss" or me- chanical breakdown of "Elec- tronic Data Processing Equipment", we will pay for the loss or damage caused by that "specified cause of loss" or mechanical break- down of "Electronic Data Processing Equipment"; (ii)Unauthorized viewing, copy- ing or use of "Electronic Data Processing Data and Media" (or any proprietary or confi- dential information or intellec- tual property) by any person, even if such activity is char- acterized as "theft"; (iii)Errors or deficiency in design, installation, maintenance, re- pair or modification of your computer systems or any computer system or network to which your system is con- nected or on which your sys- tem depends (including elec- tronic data). But if errors or deficiency in design, installa- tion, maintenance, repair or modification of your computer system or any computer sys- tem or network to which your system is connected or on which your system depends (including electronic data) re- sults in a "specified cause of loss" or mechanical break- down of "Electronic Data Processing Equipment", we will pay for the loss or dam- age caused by that "specified cause of loss" or mechanical breakdown of "Electronic Data Processing Equipment";(iv)Unexplained or indetermin- able failure, malfunction or slowdown of a computer sys- tem, including "Electronic Data Processing Data and Media" or the inability to ac- cess or properly manipulate "Electronic Data Processing Data and Media"; or (v)"Electronic Vandalism" ex- cept as provided in Para- graph (9) below. (6)The most we will pay under this Cov- erage Extension for loss of or dam- age to "Electronic Data Processing Equipment" and to "Electronic Data Processing Data and Media", while in transit or at a premises other than the described premises, in any one oc- currence, is $25,000. (7)The most we will pay under this Cov- erage Extension for loss of or dam- age to duplicates of your "Electronic Data Processing Data and Media" while stored at a separate premises from where your original "Electronic Data Processing Data and Media" are kept, in any one occurrence, is $25,000. (8)The most we will pay under this Cov- erage Extension for loss or damage to "Electronic Data Processing Equip- ment", including such property you newly acquire in any one occurrence is $25,000 at each newly acquired premises. With respect to insurance Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERS
MP T1 02 02 05 Page 17 of 39Copyright, The Travelers Indemnity Company, 2004 under this Coverage Extension on newly acquired "Electronic Data Processing Equipment", coverage will end when any of the following first occurs: (a)This policy expires; (b)180 days expire after you acquire the "Electronic Data Processing Equipment"; or (c)You report values to us. (9)The most we will pay under this Cov- erage Extension for loss of or dam- age to "Electronic Data Processing Data and Media" caused by or result- ing from "electronic vandalism", in any one occurrence is $25,000, re- gardless of the number of the number of premises involved. Such limit also applies to any otherwise covered loss of Business Income or Extra Ex- pense. (10)The most we will pay under this Cov- erage Extension for loss of or dam- age to "Electronic Data Processing Equipment" and to "Electronic Data Processing Data and Media", at the described premises, in any one oc- currence, is the Limit of Insurance shown in the Declarations for Busi- ness Personal Property at such premises or $50,000, whichever is less. i.Equipment Breakdown (1)When a Limit of Insurance is shown in the Declarations for Building or Business Personal Property at the described premises, you may extend that insurance to apply to direct physical loss of or damage to Cov- ered Property at the described prem- ises caused by or resulting from a "breakdown" to "covered equipment".With respect to otherwise covered Business Income and Extra Expense, "breakdown" to "covered equipment" will be considered a Covered Cause of Loss. If an initial "breakdown" causes other "breakdowns", all will be considered one "breakdown". All "breakdowns" that manifest themselves at the same time and are the result of the same cause will also be considered one "breakdown". (2)Under this Coverage Extension, the following coverages also apply: (a)Expediting Expenses (i)In the event of direct physical loss of or damage to Covered Property caused by or result- ing from a "breakdown" to "covered equipment", we will pay for the reasonable addi- tional expenses you neces- sarily incur to make tempo- rary repairs to, or expedite the permanent repair or re- placement of, the lost or damaged Covered Property. (ii)Expediting expenses include overtime wages and the extra cost of express or other rapid means of transportation. (iii)The most we will pay under this Coverage Extension for all Expediting Expenses aris- ing out of any one "break- down" is $25,000. This limit is part of and not in addition to the Limit of Insurance that applies to lost or damaged Covered Property. (b)"Pollutants" (i)In the event of direct physical loss of or damage to Covered Property caused by or result- ing from a "breakdown" to "covered equipment", we will pay for the additional cost to repair or replace Covered Property because of con- tamination by "pollutants". This includes the additional expenses to clean up or dis- pose of such property. Addi- tional costs mean those be- yond what would have been required had no "pollutants" been involved. (ii)The most we will pay under this Coverage Extension for loss or damage to Covered Property caused by contami- nation by "pollutants" arising Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERS
Copyright, The Travelers Indemnity Company, 2004MP T1 02 02 05Page 18 of 39 out of any one "breakdown" is $25,000. This limit is sub- ject to and not in addition to the Limit of Insurance that applies to lost or damaged Covered Property. (c)Service Interruption When the Declarations show that you have coverage for Business Income and Extra Expense, you may extend that insurance to ap- ply to loss caused by or resulting from a "breakdown" to equipment that is owned, operated or con- trolled by a local public or private utility or distributor that directly generates, transmits, distributes or provides the following utility services: (i)"Water Supply Services"; (ii)"Communication Supply Ser- vices"; or (iii) "Power Supply Services". (3)We will not pay under this Coverage Extension for loss or damage caused by or resulting from any of the follow- ing tests: (a)A hydrostatic, pneumatic or gas pressure test of any boiler or pressure vessel; or (b)An insulation breakdown test of any type of electrical equipment. (4)We will not pay under this Coverage Extension for loss or damage caused by or resulting from a change in: (a)Temperature; or (b)Humidity; as a consequence of "breakdown" to "covered equipment". (5)The following limitations in Paragraph A.5. do not apply to this Coverage Extension: (a)Paragraph a.(2); and (b)Paragraph a.(3). (6)The following exclusions in Para- graph B. Exclusions do not apply to this Coverage Extension: (a)Paragraph 2.a.; (b)Paragraph 2.d.(6); and (c)Paragraph 2.e. (7)With respect to this Coverage Exten- sion, the following condition is added to Paragraph F. Commercial Property Conditions: Suspension If any "covered equipment" is found to be in, or exposed to a dangerous condition, any of our representatives may immediately suspend the insur- ance provided by this Coverage Form for loss or damage caused by or re- sulting from a "breakdown" to that "covered equipment". This can be done by delivering or mailing a notice of suspension to: 1.Your last known address; or 2.The address where the "covered equipment" is located. Once suspended in this way, such in- surance can only be reinstated by a written endorsement issued by us. If we suspend your insurance, you will get a pro rata refund of premium for that "covered equipment". But the suspension will be effective even if we have not yet made or offered a re- fund. (8)The most we will pay under this Cov- erage Extension for all direct physical loss of or damage to: (a)"Diagnostic Equipment"; (b)"Power Generating Equipment"; or (c)"Production Equipment"; caused by or resulting from a "break- down" to "covered equipment" in any one occurrence is $100,000. j.Interruption of Computer Operations (1)When the Declarations show that you have coverage for Business Income and Extra Expense, you may extend that insurance to apply to a "suspen- sion" of "operations" caused by an in- terruption of computer operations due to direct physical loss of or damage to "Electronic Data Processing Data and Media" at the described premises caused by or resulting from a Cov- ered Cause of Loss.

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERS

(2)The most we will pay under this Cov- erage Extension is $25,000 for the sum of all covered interruptions aris- ing out of all Covered Causes of Loss occurring during each separate 12 month period of this policy beginning with the effective date of this policy. (3)Payments made under this Coverage Extension are in addition to the appli- cable Limits of Insurance. k.Money Orders and Counterfeit Paper Currency When a Limit of Insurance is shown in the Declarations for Business Personal Prop- erty at the described premises, you may extend that insurance to apply to loss due to the good faith acceptance of: (1)Any U.S. or Canadian post office or express money order, issued or pur- porting to have been issued by any post office or express company, if the money order is not paid upon presen- tation; or (2)Counterfeit United States or Cana- dian paper currency; in exchange for merchandise, "money" or services or as part of a normal business transaction. l.Non-Owned Detached Trailers (1) When a Limit of Insurance is shown in the Declarations for Business Per- sonal Property at the described prem- ises, you may extend that insurance to apply to direct physical loss of or damage to trailers or semi-trailers that you do not own, provided that: (a)The trailer or semi-trailer is used in your business; (b)The trailer or semi-trailer is in your care, custody or control at the described premises; and (c)You have a contractual responsi- bility to pay for loss of or damage to the trailer or semi-trailer. (2)We will not pay for loss or damage that occurs: (a)While the trailer or semi-trailer is attached to any motor vehicle or motorized conveyance, whether or not the motor vehicle or motor- ized conveyance is in motion; or (b)During hitching or unhitching op- erations, or when a trailer or semi-trailer becomes accidentally unhitched from a motor vehicle or motorized conveyance. (3)The most we will pay for loss or dam- age under this Coverage Extension in any one occurrence is $5,000 regard- less of the number of described premises, trailers or semi-trailers in- volved. (4)This insurance is excess over the amount due (whether you can collect on it or not) from any other insurance covering such property. m.Ordinance or Law – Increased Period of Restoration (1)When: (a)A Covered Cause of Loss occurs to property at the described premises; and (b)The Declarations show that you have coverage for Business In- come and Extra Expense; you may extend that insurance to ap- ply to the amount of actual loss of Business Income you sustain and reasonable and necessary Extra Ex- pense you incur during the increased period of "suspension" of "operations" caused by or resulting from the en- forcement of any ordinance or law that: (a)Regulates the construction, repair or replacement of any property; (b)Requires the tearing down or re- placement of any parts of prop- erty not damaged by a Covered Cause of Loss; and (c)Is in force at the time of loss. (2)This Coverage Extension applies only to the period that would be required, with reasonable speed, to recon- struct, repair or replace the property to comply with the minimum require- ments of the ordinance or law. (3) This Coverage Extension does not apply to:

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERS
MP T1 02 02 05Copyright, The Travelers Indemnity Company, 2004Page 20 of 39 (a)Loss due to an ordinance or law that: (i)You were required to comply with before the loss, even if the property was undam- aged; and (ii)You failed to comply with; or (b)Costs associated with the en- forcement of any ordinance or law that requires any insured or others to test for, monitor, clean up, remove, contain, treat, detox- ify or neutralize, or in any way re- spond to, or assess the effects of "pollutants". (4)Paragraph B.1.a., does not apply to this Coverage Extension. (5)The most we will pay for loss under this Coverage Extension in any one occurrence is $25,000 at each de- scribed premises. (6)Payments made under this Coverage Extension are in addition to the appli- cable Limits of Insurance. n.Outdoor Property (1)When a Limit of Insurance is shown in the Declarations for Building or Business Personal Property at the described premises, you may extend that insurance to apply to direct physical loss of or damage to the fol- lowing types of outdoor property at that described premises caused by or resulting from a Covered Cause of Loss: (a)Radio or television antennas (in- cluding microwave or satellite dishes) and their lead-in wiring, masts or towers; or (b)Bridges, walks, roadways, patios and other paved surfaces. (2)The most we will pay for loss or dam- age under this Coverage Extension in any one occurrence is $10,000 at each described premises. o.Personal Effects (1)When a Limit of Insurance is shown in the Declarations for Business Per- sonal Property at the described prem- ises, you may extend that insurance to apply to direct physical loss of or damage to personal effects owned by: (a)You; or (b)Your officers, partners, "mem- bers", "managers", "employees", directors or trustees; caused by or resulting from a Cov- ered Cause of Loss. (2)Such property must be located at a described premises. (3)The most we will pay for loss or dam- age under this Coverage Extension in any one occurrence is $25,000 at each described premises. (4)Payments under this Coverage Ex- tension are in addition to the applica- ble Limits of Insurance. p.Signs (1)If: (a)You are the building owner; and(b)A Limit of Insurance is shown in the Declarations for Building; at the described premises, you may extend that insurance to apply to di- rect physical loss of or damage to outdoor signs attached to the build- ing, or on or within 1,000 feet of the described premises, caused by or re- sulting from a Covered Cause of Loss. (2)If: (a)You are a tenant; (b)A Limit of Insurance is shown in the Declarations for Business Personal Property; and (c)You own or are contractually ob- ligated to repair or replace out- door signs; at the described premises, you may extend that insurance to apply to di- rect physical loss of or damage to outdoor signs attached to the build- ing, or on or within 1,000 feet of the described premises, caused by or re- sulting from a Covered Cause of Loss.

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERSq.Spoilage – Consequential Loss (1)When a Limit of Insurance is shown in the Declarations for Business Per- sonal Property at the described prem- ises, you may extend that insurance to apply to consequential loss to your Business Personal Property caused by a change in: (a)Temperature; or (b)Humidity; caused by or resulting from a Cov- ered Cause of Loss to any of the fol- lowing types of equipment situated within the building at the described premises: (a)Refrigerating; (b)Cooling; (c)Humidifying; (d)Air-conditioning; (e)Heating; (f)Generating or converting power; or (g)Connections, supply or transmis- sion lines and pipes associated with the above equipment. (2)With respect to this Coverage Exten- sion, "breakdown" to "covered equip- ment" will not be considered a Cov- ered Cause of Loss, even if otherwise covered elsewhere in this Coverage Form. (3)Paragraphs B.2.d.(7)(a) and B.2.d.(7)(b) do not apply to this Cov- erage Extension. r.Theft Damage to Rented Property (1)When a Limit of Insurance is shown in the Declarations for Business Per- sonal Property at the described prem- ises, you may extend that insurance to apply to direct physical loss of or damage to the following caused by or resulting by "theft" or attempted "theft": (a)That part of a building you oc- cupy, but do not own, which con- tains Covered Property; and (b)Property within such non-owned building used for maintenance or service of such non-owned build- ing. (2)We will not pay under this Coverage Extension for loss or damage: (a)Caused by or resulting from fire or explosion; or (b)To glass (other than glass build- ing blocks) or to any lettering, or- namentation or burglar alarm tape on glass. (3)This Coverage Extension applies only if you are a tenant and you are con- tractually obligated to insure this ex- posure. s.Valuable Papers and Records (1)When a Limit of Insurance is shown in the Declarations for Business Per- sonal Property at the described prem- ises, you may extend that insurance to apply to direct physical loss of or damage to "valuable papers and re- cords", that: (a)You own; or (b)Are owned by others, but in your care, custody or control; caused by or resulting from a Cov- ered Cause of Loss. (2)This Coverage Extension includes the cost to research, replace or re- store the lost information on "valuable papers and records" for which dupli- cates do not exist. (3)The following exclusions apply to this Coverage Extension: (a)We will not pay for any loss or damage to "valuable papers and records" caused by or resulting from any errors or omissions in processing or copying. But if er- rors or omissions in processing or copying results in fire or explo- sion, we will pay for the resulting loss or damage caused by that fire or explosion. (b)Paragraph B.1.b. Earth Move- ment; (c)Paragraph B.1.c. Governmental Action; (d)Paragraph B.1.d. Nuclear Haz- ard; Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERS
Copyright, The Travelers Indemnity Company, 2004MP T1 02 02 05Page 22 of 39 (e)Paragraph B.1.f. War and Military Action; (f)Paragraph B.1.g. Water; (g)Paragraph B.1.h. Neglect; and (h)Paragraph B.2.g. No other exclusions in Paragraph B. Exclusions apply to this Coverage Extension. However, if any exclu- sions are added by endorsement to this Coverage Form, such exclusions will apply to this Coverage Extension. (4)The most we will pay under this Cov- erage Extension for loss of or dam- age to "valuable papers and records" in any one occurrence while in transit or at a premises other than the de- scribed premises is $25,000. (5)The most we will pay under this Cov- erage Extension for loss of or dam- age to "valuable papers and records" in any one occurrence at each de- scribed premises is $25,000 or the amount shown in the Declarations for Valuable Papers and Records, whichever is greater. (6)Payments made under this Coverage Extension are in addition to the appli- cable Limits of Insurance. B.EXCLUSIONS 1. We will not pay for loss or damage caused di- rectly or indirectly by any of the following. Such loss or damage is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss. These exclusions apply whether or not the loss event results in widespread damage or affects a substantial area. a.Ordinance or Law (1)The enforcement of any ordinance or law: (a)Regulating the construction, use or repair of any property; or (b)Requiring the tearing down of any property, including the cost of removing its debris. (2)This exclusion, Ordinance or Law, applies whether the loss results from:
(a)An ordinance or law that is en- forced even if the property has not been damaged; or (b)The increased costs incurred to comply with an ordinance or law in the course of construction, re- pair, renovation, remodeling or demolition of property, or removal of its debris, following a physical loss to that property. b.Earth Movement (1)Earthquake, including any earth sink- ing, rising or shifting related to such event; (2)Landslide, including any earth sink- ing, rising or shifting related to such event; (3)Mine subsidence, meaning subsi- dence of a man-made mine, whether or not mining activity has ceased; or (4)Earth sinking (other than sinkhole col- lapse), rising or shifting including soil conditions which cause settling, cracking or other disarrangement of foundations or other parts of realty. Soil conditions include contraction, expansion, freezing, thawing, ero- sion, improperly compacted soil and the action of water under the ground surface; all whether naturally occurring or due to man made or other artificial causes. But if Earth Movement, as described in Paragraphs (1) through (4) above results in fire or explosion, we will pay for the loss or damage caused by that fire or ex- plosion. (5)Volcanic eruption, explosion or effu- sion. But if volcanic eruption, explo- sion or effusion results in fire or vol- canic action, we will pay for the loss or damage caused by that fire or vol- canic action. Volcanic action means direct loss or damage resulting from the eruption of a volcano, when the loss or damage is caused by: (a) Airborne volcanic blast or air- borne shock waves; Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERS

(b)Ash, dust, or particulate matter; or (c)Lava flow. All volcanic eruptions that occur within any 168–hour period will con- stitute a single occurrence. Volcanic action does not include the cost to remove ash, dust or particu- late matter that does not cause direct physical loss of or damage to Cov- ered Property. c.Governmental Action Seizure or destruction of property by or- der of governmental authority. But we will pay for loss or damage caused by or resulting from acts of de- struction ordered by governmental au- thority and done at the time of a fire to prevent its spread, if the fire would be covered under this policy. d.Nuclear Hazard Nuclear reaction or radiation, or radioac- tive contamination, however caused. But if nuclear reaction or radiation, or ra- dioactive contamination results in fire, we will pay for the loss or damage caused by that fire. e.Utility Services The failure or fluctuation of power or other utility service supplied to the described premises, however caused, if the cause of the failure or fluctuation occurs away from the described premises.But if the failure or fluctuation of power or other utility service results in a Covered Cause of Loss, we will pay for the loss or damage resulting from that Covered Cause of Loss. f.War and Military Action (1) War, including undeclared or civil war; (2) Warlike action by a military force, in- cluding action in hindering or defend- ing against an actual or expected at- tack, by any government, sovereign or other authority using military per- sonnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these. g.Water (1)Flood, surface water, waves, tides, tidal waves, overflow of any body of water, or their spray, all whether driven by wind or not; (2)Mudslide or mudflow; (3)Water or sewage that backs up or overflows from a sewer, drain or sump; or (4)Water under the ground surface pressing on, or flowing or seeping through: (a)Foundations, walls, floors or paved surfaces; (b)Basements, whether paved or not; or (c)Doors, windows or other open- ings; all whether naturally occurring or due to man made or other artificial causes. But if Water, as described in Paragraphs (1) through (4) above results in fire, ex- plosion or sprinkler leakage, we will pay for the loss or damage caused by that fire, explosion or sprinkler leakage. h.Neglect Neglect of an insured to use reasonable means to save and preserve property from further damage at and after the time of loss. i.Collapse of Buildings Collapse of buildings meaning an abrupt falling down or caving in of a building or any part of a building with the result being that the building or part of a building can- not be occupied for its intended purpose.(1)This exclusion does not apply to col- lapse of buildings if caused only by one or more of the following: (a) A "specified cause of loss" or breakage of building glass; (b) Decay, insect or vermin damage that is hidden from view, unless the presence of such decay or in- sect or vermin damage is known to an insured prior to collapse; Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERS
Copyright, The Travelers Indemnity Company, 2004MP T1 02 02 05Page 24 of 39 (c)Weight of people or personal property; (d)Weight of rain that collects on a roof; or (e)Use of defective material or methods in construction, remod- eling or renovation if the collapse occurs during the course of con- struction, remodeling or renova- tion; or (f)Use of defective material or methods in construction, remod- eling or renovation if the collapse occurs after construction, remod- eling, or renovation is complete and is caused in part by a cause of loss listed in Paragraphs (a) through (d) above. In the event collapse results in a Covered Cause of Loss, we will only pay for the resulting loss or damage by that Covered Cause of Loss. (2)We will not pay for loss of or damage to the following types of property, if otherwise covered in this Coverage Form under Paragraphs (1)(b) through (1)(f) above, unless the loss or damage is a direct result of the col- lapse of a building: (a)Awnings, gutters and down- spouts; (b)Outdoor radio or television an- tennas (including microwave or satellite dishes) and their lead-in wiring, masts or towers; (c)Fences; (d)Piers, wharves and docks; (e)Beach or diving platforms or ap- purtenances; (f)Retaining walls; (g)Walks, roadway and other paved surfaces; (h)Yard fixtures; or (i)Outdoor swimming pools. (3)A building or part of a building that: (a)Is in imminent danger of abruptly falling down or caving in; or (b) Suffers a substantial impairment of structural integrity; is not considered to have collapsed but is considered to be in a state of imminent collapse. (4)With respect to buildings in a state of imminent collapse, we will not pay for loss or damage unless the state of imminent collapse first manifests it- self during the policy period and is caused only by one or more of the following which occurs during the pol- icy period: (a)A "specified cause of loss" or breakage of glass; (b)Weight of people or personal property; (c)Weight of rain that collects on a roof; or (d)Use of defective material or methods in construction, remod- eling or renovation if the state of imminent collapse occurs during the course of construction, re- modeling or renovation. 2.We will not pay for loss or damage caused by or resulting from any of the following: a.Artificially generated electrical current, in- cluding electric arcing that disturbs elec- trical devices, appliances or wires unless caused by a "specified cause of loss". But if artificially generated electrical cur- rent results in fire, we will pay for the loss or damage caused by that fire. b.Delay, loss of use or loss of market. c.Smoke, vapor or gas from agricultural smudging or industrial operations. d.(1)Wear and tear; (2)Rust, corrosion, fungus, decay, dete- rioration, wet or dry rot, mold, hidden or latent defect or any quality in prop- erty that causes it to damage or de- stroy itself; (3)Smog; (4)Settling, cracking, shrinking or ex- pansion; (5) Nesting or infestation, or discharge or release of waste products or secre- tions, by insects, birds, rodents or other animals; Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSWONERS
Copyright, The Travelers Indemnity Company, 2004Page 25 of 39MP T1 02 02 05 (6)Mechanical breakdown, including rupture or bursting caused by cen- trifugal force. But if mechanical breakdown results in elevator colli- sion, we will pay for the loss or dam- age caused by that elevator collision; (7)The following causes of loss to per- sonal property: (a)Dampness or dryness of atmos- phere; (b)Changes in or extremes of tem- perature; (c)Marring or scratching; (d)Changes in flavor, color, texture or finish; (e)Evaporation or leakage; or (8)Contamination by other than "pollut- ants". But if an excluded cause of loss that is listed in Paragraphs (1) through (8) above results in a "specified cause of loss", building glass breakage or "breakdown" to "covered equipment" (only if otherwise a Covered Cause of Loss), we will pay for the loss or damage caused by that "specified cause of loss", building glass breakage or "breakdown" to "covered equipment" (only if otherwise a Covered Cause of Loss). e.Explosion of steam boilers, steam pipes, steam engines or steam turbines owned or leased by you, or operated under your control. But if explosion of steam boilers, steam pipes, steam engines or steam turbines results in fire or combustion ex- plosion, we will pay for the loss or dam- age caused by that fire or combustion ex- plosion. We will also pay for loss or dam- age caused by or resulting from the ex- plosion of gases or fuel within the furnace of any fired vessel or within the flues or passages through which the gases of combustion pass. f.Continuous or repeated seepage or leak- age of water, or the presence or conden- sation of humidity, moisture or vapor, that occurs over a period of 14 days or more. g.Water, other liquids, powder or molten material that leaks or flows from plumb- ing, heating, air conditioning or other equipment (except fire protection sys- tems) caused by or resulting from freez- ing, unless: (1)You do your best to maintain heat in the building or structure; or (2)You drain the equipment and shut off the water supply if the heat is not maintained. h.Dishonest or criminal acts by you, or any of your partners, "members", officers, "managers", "employees" (including leased employees), directors, trustees, authorized representatives or anyone to whom you entrust the property for any purpose: (1)Acting alone or in collusion with oth- ers; or (2)Whether or not occurring during the hours of employment. This exclusion does not apply to acts of destruction by your "employees" (includ- ing leased employees), but "theft" by "em- ployees" (including leased employees) is not covered. i.Voluntary parting with any property by you or anyone else to whom you have en- trusted the property. j Rain, snow, sand, dust, ice or sleet to personal property in the open. k.Discharge, dispersal, seepage, migration, release or escape of "pollutants" unless the discharge, dispersal, seepage, migra- tion, release or escape is itself caused by any of the "specified causes of loss". But if the discharge, dispersal, seepage, mi- gration, release or escape of "pollutants" results in a "specified cause of loss", we will pay for the loss or damage caused by that "specified cause of loss". This exclusion, k. does not apply to dam- age to glass caused by chemicals applied to the glass. l.Default on any credit sale, loan, or similar transaction. m.Property that is missing, where the only evidence of the loss or damage is a short- age disclosed on taking inventory, or other instances where there is no physi- cal evidence to show what happened to the property. This exclusion does not ap- ply to "money" and "securities".

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERS
Copyright, The Travelers Indemnity Company, 2004MP T1 02 02 05Page 26 of 39 n.Loss of property or that part of any loss, the proof of which as to its existence or amount is dependent on: (1)Any inventory computation; or (2)A profit and loss computation. o.The transfer of property to a person or to a place outside the described premises on the basis of unauthorized instructions. p.Loss of "money" or "securities" caused by or resulting from accounting or arithmetic errors or omissions. q.The cost of correcting or making good the damage to personal property attributable to such property being processed, manu- factured, tested, repaired, restored, re- touched or otherwise being worked upon. 3.We will not pay for loss or damage caused by or resulting from any of the following under Paragraphs a. through c. But if an excluded cause of loss that is listed in Paragraphs a. and b. below results in a Covered Cause of Loss, we will pay for the resulting loss or damage caused by that Covered Cause of Loss. a.Weather conditions, but this exclusion only applies if weather conditions contrib- ute in any way with a cause or event ex- cluded in Paragraph B.1. above to pro- duce the loss or damage. b.Acts or decisions, including the failure to act or decide, of any person, group, or- ganization or governmental body. c.Faulty, inadequate or defective: (1)Planning, zoning, development, sur- veying, siting; (2)Design, specifications, workmanship, repair, construction, renovation, re- modeling, grading, compaction; (3)Materials used in repair, construction, renovation or remodeling; or (4)Maintenance; of part or all of any property on or off the described premises. If an excluded cause of loss that is listed in Paragraphs (1) through (4) above re- sults in a Covered Cause of Loss, we will pay for the resulting loss or damage caused by that Covered Cause of Loss. But we will not pay for:
(1)Any cost of correcting or making good the fault, inadequacy or defect itself, including any cost incurred to tear down, tear out, repair or replace any part of any property to correct the fault, inadequacy or defect; or (2)Any resulting loss or damage by a Covered Cause of Loss to the prop- erty that has the fault, inadequacy or defect until the fault, inadequacy or defect is corrected. 4.Business Income and Extra Expense Ex- clusions We will not pay for: a.Any Extra Expense, or increase of Busi- ness Income loss, caused by or resulting from: (1)Delay in rebuilding, repairing or re- placing the property or resuming "op- erations", due to interference by strikers or other persons at the loca- tion of the rebuilding, repair or re- placement; or (2)Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the "suspension" of "operations", we will cover such loss that affects your Business In- come during the "period of restora- tion" and the period of Extended Business Income; or b.Any other consequential loss. C.LIMITS OF INSURANCE 1.The most we will pay for loss or damage in any one occurrence is the applicable Limit of Insurance shown in the Declarations, Sched- ules, Coverage Forms, or endorsements. 2.Inflation Guard a.When a percentage for Inflation Guard is shown in the Declarations, the Limit of In- surance for property to which this cover- age applies will automatically increase by that annual percentage. b.The amount of increase will be: (1)The Limit of Insurance that applied on the most recent of the policy incep- tion date, the policy anniversary date, or any other policy change amending the Limit of Insurance, multiplied by Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D $100,000The annual percentageincrease is8%
change) is146$3,200

BUSINESSOWNERS

Example:If:The applicable Building limit isThe number of days sincethe beginning of thepolicy year (or last policyThe amount of increase is$100,000 x .08 x (146/365) = (2)The percentage of annual increase shown in the Declarations, expressed as a decimal (example: 8% is .08), multiplied by (3)The number of days since the begin- ning of the current policy year or the effective date of the most recent pol- icy change amending the Limit of In- surance, divided by 365.

3.Business Personal Property Limit – Sea- sonal Increase a.The Limit of Insurance for Business Per- sonal Property shown in the Declarations will automatically increase by 25% to pro- vide for seasonal variations. b.This increase will apply only if the Limit of Insurance shown for Business Personal Property in the Declarations is at least 100% of your average monthly values during the lesser of: (1)The 12 months immediately preced- ing the date the loss or damage oc- curs; or (2)The period of time you have been in business as of the date the loss or damage occurs. D.DEDUCTIBLES 1.We will not pay for loss or damage in any one occurrence until the amount of loss or dam- age exceeds the Businessowners Property Coverage Deductible shown in the Declara- tions. We will then pay the amount of covered loss or damage in excess of that Deductible. But we will not pay more than the applicable Limit of Insurance. 2.Regardless of the amount of the Busines- sowners Property Coverage Deductible, the most we will deduct from any loss or damage under the Building Glass Coverage Extension in any one occurrence is the Building Glass Deductible shown in the Declarations. 3. The Businessowners Property Coverage De- ductible does not apply to any of the follow- ing: a.Fire Department Service Charge; b.Business Income and Extra Expense; c.Arson and Theft Reward; and d.Accounts Receivable. 4.If more than one deductible applies to loss or damage in any one occurrence, we will apply each deductible separately. But the total of all deductible amounts applied in any one occur- rence will not exceed the largest applicable deductible. E.PROPERTY LOSS CONDITIONS The following conditions apply in addition to the Common Policy Conditions: 1.Abandonment There can be no abandonment of any prop- erty to us. 2.Appraisal If we and you disagree on the value of the property, the amount of Net Income and op- erating expense or the amount of loss, either may make written demand for an appraisal of the loss. In this event, each party will select a competent and impartial appraiser. The two appraisers will select an umpire. If they can- not agree, either may request that selection be made by a judge of a court having jurisdic- tion. The appraisers will state separately the value of the property, the amount of Net In- come and operating expense or the amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will be binding. Each party will: a.Pay its chosen appraiser; and b. Bear the other expenses of the appraisal and umpire equally. If there is an appraisal, we will still retain our right to deny the claim. 3.Duties in the Event of Loss or Damage a.You must see that the following are done in the event of loss or damage to Covered Property: (1)Notify the police if a law may have been broken. This duty does not ap- Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D Page28 of39 Copyright,Traelers Indeitympany, 2004The v mnCo

BUSINESSOWNERS
MP T1 02 02 05
ply to loss or damage arising from "employee dishonesty" and "forgery" or alteration. (2)Give us prompt notice of the loss or damage. Include a description of the property involved. (3)As soon as possible, give us a de- scription of how, when and where the loss or damage occurred. (4)Take all reasonable steps to protect the Covered Property from further damage, and keep a record of your expenses necessary to protect the Covered Property, for consideration in the settlement of the claim. This will not increase the Limit of Insur- ance. However, we will not pay for any subsequent loss or damage re- sulting from a cause of loss that is not a Covered Cause of Loss. Also, if feasible, set the damaged property aside and in the best possible order for examination. (5)At our request, give us complete in- ventories of the damaged and un- damaged property. Include quantities, costs, values and amount of loss claimed. (6)As often as may be reasonably re- quired, permit us to inspect the prop- erty proving the loss or damage and examine your books and records.Also permit us to take samples of damaged and undamaged property for inspection, testing and analysis, and permit us to make copies from your books and records. (7)For loss or damage from other than "employee dishonesty" or "forgery" or alteration send us a signed, sworn proof of loss containing the informa- tion we request to investigate the claim. You must do this within 60 days after our request. We will supply you with the necessary forms. (8)For loss or damage resulting from "employee dishonesty" or "forgery" or alteration, give us a detailed, sworn proof of loss within 120 days after you discover a loss or situation that may result in loss of or damage to Covered Property. (9)Cooperate with us in the investigation and settlement of the claim. (10)If you intend to continue your busi- ness, you must resume all or part of your "operations" as quickly as possi- ble. b. We may examine any insured under oath, while not in the presence of any other in- sured and at such times as may be rea- sonably required, about any matter relat- ing to this insurance or the claim, includ- ing an insured's books and records. In the event of an examination, an insured's an- swers must be signed. 4. Loss Payment – Building and Personal Property a.In the event of loss or damage covered by this Coverage Form, at our option, we will either: (1)Pay the value of lost or damaged property; (2)Pay the cost of repairing or replacing the lost or damaged property, subject to Paragraph b. below; (3)Take all or any part of the property at an agreed or appraised value; or (4)Repair, rebuild or replace the prop- erty with other property of like kind and quality, subject to Paragraph b. below. We will determine the value of lost or damaged property, or the cost of its repair or replacement, in accordance with the applicable terms of Paragraph e. below or any applicable provision which amends or supersedes these valuation conditions. b.The cost to repair, rebuild or replace does not include the increased cost attributable to enforcement of any ordinance or law regulating the construction, use or repair of any property, except as provided in the Ordinance or Law Additional Coverage. c.We will give notice of our intentions within 30 days after we receive the proof of loss.d.We will not pay you more than your finan- cial interest in the Covered Property.

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERS
Copyright, The Travelers Indemnity Company, 2004Page 29 of 39MP T1 02 02 05 e.We will determine the value of Covered Property in the event of covered loss or damage as follows: (1)At replacement cost (without deduc- tion for depreciation), except as pro- vided in Paragraphs (2) through (18) below. (a)You may make a claim for loss or damage covered by this insur- ance on an actual cash value ba- sis instead of on a replacement cost basis. In the event you elect to have loss or damage settled on an actual cash value basis, you may still make a claim on a replacement cost basis if you no- tify us of your intent to do so within 180 days after the loss or damage. (b)We will not pay on a replacement cost basis for any loss or dam- age: (i)Until the lost or damaged property is actually repaired or replaced; and (ii)Unless the repairs or re- placement are made as soon as reasonably possible after the loss or damage. With respect to tenants' im- provements and betterments, the following also applies: a) If the conditions in Para- graphs (i) and (ii) above are not met, the value of tenants' improvements and betterments will be determined as a propor- tion of your original cost, as set forth under Para- graph e.(7) below; and b) We will not pay for loss or damage to tenants' improvements and bet- terments if others pay for repairs or replacement. (c)We will not pay more for loss or damage on a replacement cost basis than the least of Para- graphs (i), (ii) or (iii) subject to Paragraph (d) below:
(i) The Limit of Insurance appli- cable to the lost or damaged property; (ii)The cost to replace the lost or damaged property with other property: a)Of comparable material and quality; and b)Used for the same pur- pose; or (iii)The amount actually spent that is necessary to repair or replace the lost or damaged property. If a building is rebuilt at a new premises, the cost described in Paragraph (ii) above is limited to the cost which would have been incurred if the building had been rebuilt at the original premises. (d)The cost of repair or replacement does not include the increased cost attributable to enforcement of any ordinance or law regulat- ing the construction, use or repair of any property. (2)If the Declarations indicate that Ac- tual Cash Value applies to Buildings or Business Personal Property, Para- graph (1) above does not apply to the property for which Actual Cash Value is indicated. (3)Personal Property of others at the amount for which you are liable plus the cost of labor, materials or ser- vices furnished or arranged by you on personal property of others, not to exceed the replacement cost. (4)The following property at actual cash value: (a)Used or second-hand merchan- dise held in storage or for sale; (b)Household furnishings; and (c)Personal effects. (5)"Fine Arts" as follows: (a)If there is a schedule of "fine arts" on file which includes a descrip- tion and value of the lost or dam- aged item, we will pay the value as stated in the schedule for that Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERS
Copyright, The Travelers Indemnity Company, 2004MP T1 02 02 05Page 30 of 39 item if there is a total loss to that item. If there is a partial loss to an item, we will pay the cost of rea- sonably restoring or repairing that item. (b)For "fine arts" without a schedule on file as described in Paragraph (a) above, the value of "fine arts" will be the least of the following amounts: (i)Market value of the lost or damaged item at the time and place of loss; (ii)The cost of reasonably re- storing the lost or damaged item; or (iii)The cost of replacing that lost or damaged item with prop- erty substantially the same. (6)Glass at the cost of replacement with safety glazing material if required by law. (7)Tenants' Improvements and Better- ments at: (a)Replacement cost if you make repairs promptly. (b)A proportion of your original cost if you do not make repairs promptly. We will determine the proportionate value as follows: (i)Multiply the original cost by the number of days from the loss or damage to the expira- tion of the lease; and (ii)Divide the amount deter- mined in Paragraph (i) above by the number of days from the installation of improve- ments to the expiration of the lease. If your lease contains a re- newal option, the expiration of the renewal option period will replace the expiration of the lease in this procedure. (c)Nothing, if others pay for repairs or replacement. (8)"Valuable Papers and Records" at the cost of restoration or replace- ment. To the extent that the contents of the "valuable papers and records" are not restored or replaced, the "valuable papers and records" will be valued at the cost of replacement with blank material of substantially identical type. (9)"Stock" you have sold but not deliv- ered at the selling price less dis- counts and expenses you otherwise would have had. (10)Property in transit (other than "stock" you have sold) at the amount of in- voice, including your prepaid or ad- vanced freight charges and other charges which may have accrued or become legally due from you since the shipment. If you have no invoice, actual cash value will apply. (11)"Money" at its face value. (12)"Securities" at their value at the close of business on the day the loss is dis- covered. (13)Accounts Receivable as follows: (a)If you cannot accurately establish the amount of Accounts Receiv- able outstanding as of the time of loss, we will: (i)Determine the total of the av- erage monthly amounts of Accounts Receivable for the 12 months immediately pre- ceding the month in which the loss occurs; and (ii)Adjust that total for any nor- mal fluctuations in the amount for Accounts Receiv- able for the month in which the loss occurred or for any demonstrated variance from the average for that month. (b)If you can accurately establish the amount of Accounts Receiv- able outstanding, that amount will be used in the determination of loss. (c)The following will be deducted from the total amount of Accounts Receivable, however that amount is established: (i)The amount of the accounts for which there was no loss; Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERS
Copyright, The Travelers Indemnity Company, 2004Page 31 of 39MP T1 02 02 05 (ii) The amount of the accounts that you are able to re- establish or collect; (iii) An amount to allow for prob- able bad debts that you are normally unable to collect; and (iv) All unearned interest and service charges. (14)"Electronic Data Processing Equip- ment" at replacement cost as of the time and place of loss, without deduc- tion for physical deterioration, depre- ciation, obsolescence or depletion. However, in the event replacement of "Electronic Data Processing Equip- ment" with identical property is im- possible, the replacement cost will be the cost of items that are similar to the damaged or destroyed equipment and intended to perform the same function, but which may include tech- nological advances. "Electronic Data Processing Equip- ment" that is obsolete or no longer used by you will be valued at actual cash value. (15)"Electronic Data Processing Data and Media" for which duplicates do not exist will be valued as follows: (a)The cost of blank media; and (b)Your cost to research, replace or restore the lost electronic data on lost, damaged or destroyed "Electronic Data Processing Data and Media" but only if the lost electronic data is actually re- placed or restored. (16)Duplicate "Electronic Data Process- ing Data and Media" at the cost of: (a)Blank media; and (b)Labor to copy the electronic data, but only if the electronic data is actually copied. (17)The value of United States Govern- ment Internal Revenue taxes and custom duties and refundable state and local taxes paid or fully deter- mined on the following property held for sale will not be considered in de- termining the value of Covered Prop- erty: (a)Distilled spirits; (b)Wines; (c)Rectified products; or (d)Beer. (18)Lottery tickets at their initial cost to you except for winning tickets at their redeemed value. f.Our payment for loss of or damage to personal property of others will only be for the account of the owners of the property. We may adjust losses with the owners of lost or damaged property, if other than you. If we pay the owners, such pay- ments will satisfy your claims against us for the owners' property. We will not pay the owners more than their financial in- terest in the Covered Property. g.We have the right but not the duty to de- fend you against suits arising from claims of owners of property. We will do so at our expense. h.We will pay for covered loss or damage within 30 days after we receive the sworn proof of loss provided you have complied with all of the terms of this policy; and (1)We have reached agreement with you on the amount of loss; or (2)An appraisal award has been made. i.At our option, we may make a partial payment toward any claim, subject to the policy provisions and our normal adjust- ment process. To be considered for par- tial claim payment, you must submit a partial sworn proof of loss with supporting documentation. Any applicable policy de- ductibles must be satisfied before any partial payments are made. 5.Loss Payment – Business Income and Ex- tra Expense a.The amount of Business Income loss will be determined based on: (1)The Net Income of the business be- fore the direct physical loss or dam- age occurred; (2)The likely Net Income of the business if no physical loss or damage oc- curred, but not including any likely in- crease in Net Income attributable to Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERS
MP T1 02 02 05Copyright, The Travelers Indemnity Company, 2004Page 32 of 39 an increase in the volume of business as a result of favorable business conditions caused by the impact of the Covered Cause of Loss on cus- tomers or on other businesses; (3)The operating expenses, including payroll expenses, necessary to re- sume "operations" with the same quality of service that existed just be- fore the direct physical loss or dam- age; and (4)Other relevant sources of information, including: (a)Your financial records and ac- counting procedures; (b)Bills, invoices and other vouch- ers; and (c)Deeds, liens or contracts. b.The amount of Extra Expense will be de- termined based on: (1)All reasonable and necessary ex- penses that exceed the normal oper- ating expenses that would have been incurred by "operations" during the "period of restoration" if no direct physical loss or damage had oc- curred. We will deduct from the total of such expenses: (a)The salvage value that remains of any property bought for tempo- rary use during the "period of res- toration", once "operations" are resumed; and (b)Any Extra Expense that is paid for by other insurance, except for insurance that is written subject to the same plan, terms, condi- tions and provisions as this in- surance; and (2)All reasonable and necessary ex- penses that reduce the Business In- come loss that otherwise would have been incurred. c.We will reduce the amount of your: (1)Business Income loss, other than Ex- tra Expense, to the extent you can resume your "operations", in whole or in part, by using damaged or undam- aged property (including "stock") at the described premises or elsewhere; or (2)Extra Expense loss to the extent you can return "operations" to normal and discontinue such Extra Expense. d.If you do not resume "operations", or do not resume "operations" as quickly as possible, we will pay based on the length of time it would have taken to resume "operations" as quickly as possible. e.We will pay for covered loss or damage within 30 days after we receive your sworn proof of loss provided you have complied with all of the terms of this pol- icy; and (1)We have reached agreement with you on the amount of loss; or (2)An appraisal award has been made. 6.Recovered Property If either you or we recover any property after loss settlement, that party must give the other prompt notice. At your option, you may retain the property. But then you must return to us the amount we paid to you for the property. We will pay the recovery expenses and the expenses to repair the recovered property, subject to the applicable Limit of Insurance. 7.Noncumulative Limit No Limit of Insurance cumulates from policy period to policy period. F.COMMERCIAL PROPERTY CONDITIONS 1.Concealment, Misrepresentation or FraudThis Coverage Form is void in any case of fraud by you. It is also void if you or any other insured, at any time, intentionally conceal or misrepresent a material fact concerning: a.This Coverage Form; b.The Covered Property; c.Your interest in the Covered Property; ord.A claim under this Coverage Form. 2.Control of Property Any act or neglect of any person other than you beyond your direction or control will not affect this insurance.The breach of any condition of this Coverage Form at any one or more premises will not af- fect coverage at any premises where, at the time of loss or damage, the breach of condi- tion does not exist.

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D l

BUSINESSOWNERS

3.Insurance Under Two or More CoveragesIf two or more coverages under this Coverage Form apply to the same loss or damage, we will not pay more than the actual amount of the loss or damage. 4.Legal Action Against Us No one may bring a legal action against us under this Coverage Form unless: a.There has been full compliance with all of the terms of this Coverage Form; and b.The action is brought within 2 years after the date on which the direct physical loss or damage occurred. 5.Liberalization If we adopt any revision that would broaden the coverage under this Coverage Form with- out additional premium within 45 days prior to or during the policy period, the broadened coverage will immediately apply to this Cov- erage Form. 6.No Benefit to Bailee No person or organization, other than you, having custody of Covered Property wil benefit from this insurance. 7.Other Insurance a.You may have other insurance subject to the same plan, terms, conditions and pro- visions as the insurance under this Cov- erage Form. If you do, we will pay our share of the covered loss or damage. Our share is the proportion that the applicable Limit of Insurance under this Coverage Form bears to the Limits of Insurance of all insurance covering on the same basis.b.If there is other insurance covering the same loss or damage, other than that de- scribed in Paragraph a. above, we will pay only for the amount of covered loss or damage in excess of the amount due from that other insurance, whether you can collect on it or not. But we will not pay more than the applicable Limit of Insur- ance. 8.Policy Period, Coverage Territory Under this Coverage Form: a.We cover loss or damage you sustain through acts committed or events occur- ring: (1)During the policy period shown in the Declarations; and (2)Within the coverage territory; and b.The coverage territory is: (1)The United States of America (includ- ing its territories and possessions); (2)Puerto Rico; and (3)Canada. 9.Transfer of Rights of Recovery Against Others to Us. If any person or organization to or for whom we make payment under this Coverage Form has rights to recover damages from another, those rights are transferred to us to the extent of our payment. That person or organization must do everything necessary to secure our rights and must do nothing after loss to impair them. But you may waive your rights against another party in writing: a. Prior to a loss to your Covered Property or Covered Income; or b.After a loss to your Covered Property or Covered Income only if, at time of loss, that party is one of the following: (1)Someone insured by this insurance;(2)A business firm: (a)Owned or controlled by you; or (b)That owns or controls you; or (3)Your tenant. This will not restrict your insurance. 10.Coinsurance If a Coinsurance percentage is shown in the Declarations, the following condition applies.a.We will not pay the full amount of any loss if the value of Covered Property at the time of loss multiplied by the Coinsur- ance percentage shown for it in the Dec- larations is greater than the Limit of In- surance for the property. Instead, we will determine the most we will pay using the following steps: (1)Multiply the value of Covered Prop- erty at the time of loss by the Coin- surance percentage; (2)Divide the Limit of Insurance of the property by the figure determined in step (1); (3)Multiply the total amount of the cov- ered loss, before the application of Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D $250,000The Coinsurance percent90%$112,500$250$40,000
$250,000The Coinsurance percentage90%$225,000$250$40,000

BUSINESSOWNERS
Copyright, The Travelers Indemnity Company, 2004MP T1 02 02 05Page 34 of 39 Example No. 1 (Under insurance):When:The value of the property isfor it isThe Limit of Insurance forit isThe Deductible isThe amount of loss isStep (1): $250,000 x 90% = $225,000(the minimum amount of insurance tomeet your Coinsurance requirements)Step (2): $112,500/$225,000 = .50Step (3): $40,000 x .50 = $20,000Step (4): $20,000 - $250 = $19,750 Example No. 2 (Adequate Insurance):When:The value of the property isfor it isThe Limit of Insurance forit isThe Deductible isThe amount of loss is any deductible, by the figure deter- mined in step (2); and (4)Subtract the deductible from the fig- ure determined in step (3). We will pay the amount determined in step (4) or the limit of insurance, which- ever is less.For the remainder, you will either have to rely on other insurance or absorb the loss yourself.

Therefore, the Limit of Insurance in this Example is adequate and no penalty ap- plies. We will pay no more than $39,750 ($40,000 amount of loss minus the de- ductible of $250). b.Coinsurance does not apply to: (1)"Money" and "securities"; (2)Additional Coverages; (3)Coverage Extensions; or (4)Loss or damage in any one occur- rence totaling less than $2,500. 11.Mortgageholders a.The term, mortgageholder, includes trus- tee. b. We will pay for covered loss of or damage to buildings or structures to each mort- gageholder shown in the Declarations in their order of precedence, as interests may appear. c. The mortgageholder has the right to re- ceive loss payment even if the mortgage- holder has started foreclosure or similar action on the building or structure. d. If we deny your claim because of your acts or because you have failed to com- ply with the terms of this Coverage Form, the mortgageholder will still have the right to receive loss payment if the mortgage- holder: (1)Pays any premium due under this Coverage Form at our request if you have failed to do so; (2)Submits a signed, sworn proof of loss within 60 days after receiving notice from us of your failure to do so; and (3)Has notified us of any change in ownership or occupancy or substan- tial change in risk known to the mort- gageholder. All of the terms of this Coverage Form will then apply directly to the mortgageholder. e.If we pay the mortgageholder for any loss or damage and deny payment to you be- cause of your acts or because you have failed to comply with the terms of this Coverage Form: (1)The mortgageholder's rights under the mortgage will be transferred to us to the extent of the amount we pay; and (2)The mortgageholder's rights to re- cover the full amount of the mort- gageholder's claim will not be im- paired. At our option, we may pay to the mortgageholder the whole principal on the mortgage plus any accrued in- We will pay no more than $19,750. The remaining $20,250 is not covered.

The minimum amount of insurance to meet your Coinsurance requirement is $225,000 ($250,000 x 90%).

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSWONERS
Copyright, The Travelers Indemnity Company, 2004Page 35 of 39MP T1 02 02 05 terest. In this event, your mortgage and note will be transferred to us and you will pay your remaining mortgage debt to us. f.If we cancel this policy, we will give writ- ten notice to the mortgageholder at least:(1)10 days before the effective date of cancellation if we cancel for your non- payment of premium; or (2)30 days before the effective date of cancellation if we cancel for any other reason. g.If we elect not to renew this policy, we will give written notice to the mortgageholder at least 10 days before the expiration date of this policy. G.PROPERTY DEFINITIONS 1."Banking Premises" means the interior of that portion of any building which is occupied by a banking institution or similar safe deposi- tory. 2."Breakdown" a.Means: (1)Failure of pressure or vacuum equip- ment; (2)Mechanical failure, including rupture or bursting caused by centrifugal force; or (3)Electrical failure including arcing; that causes physical damage to "covered equipment" and necessitates its repair or replacement; and b.Does not mean: (1)Malfunction, including but not limited to adjustment, alignment, calibration, cleaning or modification; (2)Leakage at any valve, fitting, shaft seal, gland packing, joint or connec- tion; (3)Damage to any vacuum tube, gas tube, or brush; (4)Damage to any structure or founda- tion supporting the "covered equip- ment" or any of its parts; (5) The functioning of any safety or pro- tective device; or (6)The cracking of any part on any in- ternal combustion gas turbine ex- posed to the products of combustion. 3."Communication Supply Services" a.Means property supplying communication services, including telephone, radio, mi- crowave or television services, to the de- scribed premises, such as: (1)Communication transmission lines, including fiber optic transmission lines; (2)Coaxial cables; and (3)Microwave radio relays, except satel- lites; and b.Does not mean overhead transmission lines. 4."Covered Equipment" a.Means the following types of equipment:(1)Equipment designed and built to op- erate under internal pressure or vac- uum other than weight of contents; (2)Electrical or mechanical equipment that is used in the generation, trans- mission or utilization of energy; (3)Fiber optic cable; and (4)Hoists and cranes; b.Does not mean any: (1)"Electronic Data Processing Equip- ment"; (2)"Electronic Data Processing Data and Media"; (3)Part of pressure or vacuum equip- ment that is not under internal pres- sure of its contents or internal vac- uum; (4)Insulating or refractory material; (5)Pressure vessels and piping that are buried below ground and require the excavation of materials to inspect, remove, repair or replace; (6)Structure, foundation, cabinet or com- partment supporting or containing the "covered equipment" or part of the "covered equipment" including pen- stock, draft tube or well casing; (7)Vehicle, aircraft, self-propelled equip- ment or floating vessel, including any Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERS
Copyright, The Travelers Indemnity Company, 2004Page 36 of 39 MP T1 02 02 05 equipment mounted on or used solely with any vehicle, aircraft, self- propelled equipment or floating ves- sel; (8)Elevator or escalator, but not exclud- ing any electrical machine or appara- tus mounted on or used with this equipment; or (9)Equipment or any part of such equip- ment manufactured by you for sale. 5."Diagnostic Equipment" means any: a.Equipment; or b.Apparatus; used solely for research, diagnostic, medical, surgical, therapeutic, dental or pathological purposes. 6."Electronic Data Processing Data and Me- dia" a.Means any of the following used in your computer operations: (1)Data stored as or on, created or used on, or transmitted to or from com- puter software (including systems and applications) on electronic data processing, recording or storage me- dia such as hard or floppy disks, CD- ROMS, tapes, drives, cells, data processing devices or any other re- positories of computer software which are used with electronically controlled equipment; (2)The electronic media on which the data is stored; and (3)Programming records and instruc- tions used for "Electronic Data Proc- essing Equipment"; and b.Does not mean "Valuable Papers and Records". 7."Electronic Data Processing Equipment" a.Means any of the following equipment used in your operations: (1)Electronic data processing equip- ment, facsimile machines, word proc- essors, multi-functional telephone equipment and laptop and portable computers; and (2)Any component parts and peripherals of such equipment, including related surge protection devices; and b.Does not mean equipment used to oper- ate production type of: (1)Machinery; or (2)Equipment. 8."Electronic Vandalism" means any acts by persons, other than "employees", involving any of the following: a.Willful or malicious destruction of com- puter programs, content, instructions or other electronic or digital data stored within computer systems; or b.Unauthorized computer code or pro- gramming that: (1)Deletes, distorts, corrupts or manipu- lates computer programs, contents, instructions or other electronic or digi- tal data, or otherwise results in dam- age to computers or computer sys- tems or networks to which is intro- duced; (2)Replicates itself, impairing the per- formance of computers or computer systems or networks; or (3)Gains remote control access to data and programming within computers or computers systems or networks to which it is introduced, for uses other than those intended for authorized users of the computers or computer systems or networks. 9."Employee(s)" a.Means: (1)Any natural person: (a)While in your service (and for 30 days after termination of service); (b)Whom you compensate directly by salary, wages or commissions; and (c)Whom you have the right to direct and control while performing ser- vices for you; (2)Any natural person employed by an employment contractor while that person is subject to your direction and control and performing services for you excluding, however, any such person while having care and custody of property outside the premises; or Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERS
MP T1 02 02 05Copyright, The Travelers Indemnity Company, 2004Page 37 of 39 (3)Your directors or trustees while acting as a member of any of your elected or appointed committees to perform on your behalf specific, as distin- guished from general, directorial acts; and b.Does not mean any agent, broker, person leased to you by a labor leasing firm, fac- tor, commission merchant, consignee, in- dependent contractor or representative of the same general character. 10. "Employee Dishonesty" means only dis- honest acts, committed by an "employee", whether identified or not, acting alone or in collusion with other persons, except you, a partner, a "member", or a "manager" with the manifest intent to: a.Cause you to sustain loss; and also b.Obtain financial benefit (other than sala- ries, commissions, fees, bonuses, promo- tions, awards, profit sharing, pensions or other employee benefits earned in the normal course of employment) for: (1)The "employee"; or (2)Any person or organization intended by the "employee" to receive that benefit. 11."Fine Arts" a.Means paintings, etchings, pictures, tap- estries, art glass windows, valuable rugs, statuary, marbles, bronzes, antique furni- ture, rare books, antique silver, porce- lains, rare glass, bric-a-brac, and similar property with historical value, or artistic merit; and b.Does not mean any glass that is part of a building or structure. 12. "Forgery" means the signing of the name of another person or organization with intent to deceive. "Forgery" does not mean a signature which consists in whole or in part of one's own name signed with or without authority, in any capacity for any purpose. 13. "Interior of any building or structure" means all portions of the building or structure that are within the exterior facing surface ma- terial of the building or structure. 14. "Maintenance Fees" means the regular payment made to you by unit-owners and used to service the common property.

15. "Manager" means a person serving in a di- rectorial capacity for a limited liability com- pany. 16. "Member" means an owner of a limited liabil- ity company represented by its membership interest, who also may service as a "man- ager". 17. "Money" means currency and coins in cur- rent use, bank notes, travelers checks, regis- ter checks and money orders held for sale to the public. 18. "Operations" means your business activities occurring at the described premises and the tenantability of the described premises. 19."Period of Restoration" a.Means the period of time that: (1)Begins: (i)For Business Income coverage: a)With the date of direct physi- cal loss or damage, if the Declarations show Immedi- ately for Period of Restora- tion – Time Period; or b)72 hours after the time of di- rect physical loss or damage, if the Declarations show 72 hours for Period of Restora- tion – Time Period; or (ii)For Extra Expense coverage with the date of direct physical loss or damage; caused by or resulting from any Cov- ered Cause of Loss at the described premises; and (2)Ends on the earlier of: (i)The date when the property at the described premises should be repaired, rebuilt or replaced with reasonable speed and similar quality; or (ii)The date when business is re- sumed at a new permanent loca- tion; and b.Does not mean any increased period re- quired due to the enforcement of any law that: (1)Regulates the construction, use or repair, or requires the tearing down of any property; or Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERS
Copyright, The Travelers Indemnity Company, 2004Page 38 of 39 MP T1 02 02 05 (2)Requires any insured or others to test for, monitor, clean up, remove, con- tain, treat, detoxify or neutralize, or in any way respond to, or assess the ef- fects of "pollutants". The expiration date of this policy will not cut short the "period of restoration". 20. "Pollutants" means any solid, liquid, gase- ous or thermal irritant or contaminant, includ- ing smoke, vapor, soot, fumes, acids, alkalis, chemicals, waste, and any unhealthful or hazardous building materials (including but not limited to asbestos and lead products or materials containing lead). Waste includes materials to be recycled, reconditioned or re- claimed. 21."Power Generating Equipment" a.Means the following types of equipment or apparatus: (1)Pressure; (2)Mechanical; or (3)Electrical; used in or associated with the generation of electric power; and b.Does not mean such equipment that is used solely to generate emergency power that is less than or equal to 1000KW. 22."Power Supply Services" a.Means the following types of property supplying electricity, steam or gas to the described premises: (1)Utility generating plants; (2)Switching stations; (3)Substations; (4)Transformers; and (5)Transmission lines; and b. Does not mean overhead transmission lines. 23."Production Equipment" a.Means any: (1)Production machinery; or (2)Process machinery; that processes, shapes, forms or grinds:(1)Raw materials; (2)Materials in process; or (3)Finished products; and b.Includes "covered equipment" that is used solely with or forms an integral part of the: (1)Production; (2)Process; or (3)Apparatus. 24. "Rental Value" means Business Income that consists of: a.Net Income (Net Profit or Loss before in- come taxes) that would have been earned or incurred as rental income from tenant occupancy of the premises de- scribed in the Declarations as furnished and equipped by you, including the fair rental value of any portion of the de- scribed premises which is occupied by you; and b.Continuing normal operating expenses incurred in connection with that premises, including: (1)Payroll; and (2)The amount of charges which are the legal obligation of the tenant(s) but would otherwise be your obligations. 25. "Securities" means all negotiable and non- negotiable instruments or contracts repre- senting either "money" or other property and includes revenue or other stamps in current use, tokens, tickets and credit card slips for sales made by you and held by you for reim- bursement from companies issuing credit cards, but does not include "money". Lottery tickets held for sale are not securities. 26. "Specified Causes of Loss" means the fol- lowing: Fire; lightning; explosion; windstorm or hail; smoke; aircraft or vehicles; riot or civil com- motion; vandalism; leakage from fire extin- guishing equipment; sinkhole collapse; vol- canic action; falling objects; weight of snow, ice or sleet; water damage. a. Sinkhole collapse means the sudden sinking or collapse of land into under- ground empty spaces created by the ac- tion of water on limestone or dolomite. This cause of loss does not include: (1)The cost of filling sinkholes; or (2)Sinking or collapse of land into un- derground man-made cavities.

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D

BUSINESSOWNERS
Copyright, The Travelers Indemnity Company, 2004Page 39 of 39MP T1 02 02 05 b.Falling objects does not include loss of or damage to: (1)Personal Property in the open; or (2)The "interior of a building or struc- ture", or property inside a building or structure, unless the roof or an out- side wall of the building or structure is first damaged by a falling object. c.Water damage means accidental dis- charge or leakage of water or steam as the direct result of the breaking apart or cracking of any part of a system or appli- ance (other than a sump system including its related equipment and parts) that is lo- cated on the described premises and contains water or steam. 27. "Stock" means merchandise held in storage or for sale, raw materials and in-process or finished goods, including supplies used in their packing or shipping. 28."Suspension" means: a.The partial or complete cessation of your business activities; or b.That a part or all of the described prem- ises is rendered untenantable. 29."Theft" means any act of stealing. 30."Vacant" means the following: (1)When this policy is issued to a tenant, and with respect to that tenant's interest in Covered Property, building means the unit or suite rented or leased to the ten- ant. Such building is vacant when it does not contain enough business personal property to conduct customary opera- tions. (2) When this policy is issued to the owner or general lessee of a building, building means the entire building. Such building is vacant unless at least 31% of its total square footage is: (a)Rented to a lessee or sub-lessee and used by the lessee or sub-lessee to conduct its customary operations; or (b)Used by the building owner to con- duct customary operations. 31."Valuable Papers and Records" a.Means inscribed, printed or written: (1)Documents; (2)Manuscripts; or (3)Records; including abstracts, books, deeds, draw- ings, films, maps or mortgages; and b.Does not mean "money" or "securities" or "Electronic Data Processing Data and Media". 32. "Water Supply Services" means the follow- ing types of property supplying water to the described premises: a.Pumping stations; and b.Water mains.

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.Restaurant and Perishable Goods Premier EndorsementThis endorsement modifies insurance provided under the following:BUSINESSOWNERS PROPERTY COVERAGE SPECIAL FORMSCHEDULEComputer Fraud and Funds Transfer Fraud Limit of Insurance: $Food Contamination Costs Limit of Insurance: $The BUSINESSOWNERS PROPERTY COVERAGE SPECIAL FORM is changed as follows:1.The following Additional Coverage is added to paragraph A.6.:Blanket Coverage Limit of InsuranceWe will pay up to $250,000 in any one occurrence as a Blanket Coverage Limit of Insurance for the sum of all covered loss at each described premises under the coverages described in paragraphs a. through c. below. You may apportion this limit among these coverages as you choose.Unless otherwise stated, this Blanket Coverage Limit of Insurance is in addition to any other Limit of Insurance that may be provided by this policy for the following coverages.a.Accounts ReceivableWithin the Blanket Coverage Limit of Insurance, when a Limit of Insurance is shown in the Declarations for Business Personal Property at the described premises, we will pay for direct physical loss of or damage to your records of accounts receivable (including those on electronic data processing media) on or away from each described premises, including while in transit, caused by or resulting from a Covered Cause of Loss. Credit card company media will be considered accounts receivable until delivered to the credit card company.This coverage applies as described in Paragraphs A.7.a.(2) and A.7.a.(3) and is subject to the provisions that apply to those Paragraphs.b.Excess Debris Removal(1)Within the Blanket Coverage Limit of Insurance, we will pay your expense to remove debris of Covered Property, other than outdoor trees, shrubs, plants and lawns as described in the Outdoor Trees, Shrubs, Plants and Lawns Coverage Extension, caused by or resulting from a Covered Cause of Loss that occurs during the policy period. The expenses will be paid only if they are reported to us in writing within 180 days of the date of direct physical loss or damage.(2)Debris Removal does not apply to costs to:(a)Extract "pollutants" from land or water; or(b)Remove, restore or replace polluted land or water.(3)When the debris removal expense exceeds the 25% limitation in Additional Coverage – Debris Removal in Section A.6.c.(3) or when the sum of the debris removal expense and the amount we pay for the direct physical loss of or damage to Covered Property exceeds the applicable Limit of Insurance, we will pay up to the Blanket Coverage Limit of Insurance for debris removal expense in any one occurrence, at each described premises.c.Valuable Papers and RecordsWithin the Blanket Coverage Limit of Insurance, when a Limit of Insurance is shown in the Declarations for Business Personal Property at the described premises, we will pay for direct physical loss of or damage to "valuable papers and records" that:(a)You own; or(b)Are owned by others, but in your care, custody or control;caused by or resulting from a Covered Cause of Loss.MP T3 66 08 15© 2015 The Travelers Indemnity Company. All rights reserved.Page 1 of 16Includes copyrighted material of Insurance Services Office, Inc. with its permission.

POLICY NUMBER:BUSINESSOWNERSISSUE DATE:08/27/2025680-A2036190-25-42 10,00025,000
Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D This coverage applies as described in Paragraphs A.7.s.(2) and A.7.s.(3) and is subject to the provisions that apply to those Paragraphs.With respect to property of others covered under this Additional Coverage, the owner may have other insurance covering the same property as this insurance. This insurance is intended to be primary and not to contribute with such other insurance.2.With respect to Extended Business Income, the time frame referenced in Paragraph A.3.c.(2)(b)is increased from sixty consecutive days to ninety consecutive days. 3.The limit applicable to the Additional Coverage-Arson and Theft Reward is increased by $25,000.4.The limit applicable to the Additional Coverage-Claim Data Expense is increased from $5,000 to $25,000.5.The limit applicable to the Additional Coverage-Newly Acquired or Constructed Property for Building is increased from $500,000 to $1,000,000.6.The limit applicable to the Additional Coverage-Newly Acquired or Constructed Property for Business Personal Property is increased from $250,000 to $500,000.7.With respect to the Additional Coverage-Ordinance or Law, coverage is extended to include tenant improvements and betterments as described in Paragraph A.1.b.(3)if:(1)You are a tenant; and(2)A Limit of Insurance is shown in the Declarations for Business Personal Property at the described premises.8.The limit applicable to the Additional Coverage-Outdoor Trees, Shrubs, Plants and Lawns is increased from $3,000 to $5,000.9.The following Additional Coverages are added to Paragraph A.6.: a.Brands or LabelsIf a limit of insurance is shown in the Declarations for Business Personal Property and if branded or labeled merchandise that is Covered Property is damaged by a Covered Cause of Loss, we may take all or part of the property at an agreed or appraised value. If so, you may:
(1)Stamp the word Salvage on the merchandise or its containers, if the stamp will not physically damage the merchandise; or(2)Remove the brands and labels, if doing so will not physically damage the merchandise or its containers to comply with the law.We will pay reasonable costs you incur to perform the activity described in Paragraphs (1) and (2) above. Payments under this Additional Coverage are subject to and not in addition to the applicable Limits of Insurance.b.Contract Penalty Clause(1)We will pay contract penalties you incur as a result of your failure to deliver your products or services within the time required under the terms of a written contract. But this Additional Coverage only applies if the failure is solely due to direct physical loss of or damage to property at the described premises caused by or resulting from a Covered Cause of Loss.(2)The most we will pay under this Additional Coverage is $1,000 for the sum of all covered contract penalties arising out of all Covered Causes of Loss occurring during each separate 12 month period of this policy beginning with the effective date of this endorsement.c.Identity Fraud Expense(1)We will pay for Expenses incurred by an Insured Person as a direct result of any one Identity Fraud first discovered or learned of by such Insured Person during the policy period.Any act or series of acts committed by one or more persons, or in which such person or persons are aiding or abetting others against an Insured Person, is considered to be one Identity Fraud, even if a series of acts continues into a subsequent policy period.(2)With respect to this Additional Coverage:(a)Expenses means:(i)Costs for notarizing affidavits or similar documents attesting to fraud required by financial institutions or similar credit grantors or credit agencies;

BUSINESSOWNERS

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D (ii)Costs for certified mail to law enforcement agencies, credit agencies, financial institutions or similar credit grantors;(iii)Lost income resulting from:a)Time taken off work to complete fraud affidavits; orb)Meeting with or talking to law enforcement agencies, credit agencies or legal counsel;up to a total payment of $5,000, subject to a maximum of $200 per day;(iv)Loan application fees for reapplying for a loan or loans when the original application is rejected solely because the lender received incorrect credit information;(v)Reasonable attorney fees to:a)Defend lawsuits brought against an Insured Person by merchants, vendors, suppliers, financial institutions or their collection agencies;b)Remove any criminal or civil judgments wrongly entered against an Insured Person; orc)Challenge the accuracy or completeness of any information in a consumer credit report;(vi)Charges for long distance telephone calls to:a)Merchants;b)Law enforcement agencies;c)Financial institutions or similar credit grantors; ord)Credit agencies; or(vii) Reasonable fees for professional financial advice or professional credit advice. (b)Identity Fraud means:The act of knowingly transferring or using, without lawful authority, a means of identification of an Insured Person with the intent to commit, or to aid or abet another to commit, any unlawful activity that constitutes a violation of federal law or a felony under any applicable state or local law; and(c)Insured Person means:(i)For sole proprietorships;The individual who is the sole proprietor of the Named Insured shown in the Declarations;(ii)For partnerships;Any individual that is a partner of the Named Insured shown in the Declarations;(iii)For corporations or any other type of organization;The Chief Executive Officer, and any individual who has an ownership interest of at least 20% of the Named Insured shown in the Declarations; or(iv)For religious institutions;The individual who is the senior pastoral "employee" of the Named Insured shown in the Declarations.(3)The following additional exclusions apply to this Additional Coverage:We will not pay for:(a)Expenses incurred due to any fraudulent, dishonest or criminal act by:(i)An Insured Person;(ii)Any person aiding or abetting an Insured Person; or(iii)Any authorized representative of an Insured Person;whether acting alone or in collusion with others;(b)Expenses incurred that are not related to the identity of an individual; or(c)Loss other than Expenses. Account balances which arise out of fraudulent or unauthorized charges would be one example of Loss other than Expenses.(d)An Identity Fraud discovered during such time that an individual was not

BUSINESSOWNERS
MP T3 66 08 15© 2015 The Travelers Indemnity Company. All rights reserved.Page 3 of 16Includes copyrighted material of Insurance Services Office, Inc. with its permission.

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D an Insured Person.(4)This Additional Coverage does not apply to Expenses otherwise covered under the Unauthorized Business Card Use Additional Coverage.(5)Regardless of the amount of the Businessowners Property Coverage Deductible shown in the Declarations, the most we will deduct from any claim for Expenses under this Additional Coverage for any one Identity Fraud is $250.(6)The most we will pay under this Additional Coverage is $15,000 for the sum of all covered Expenses arising out of all Identity Fraud against an Insured Person discovered during each separate 12 month period of this policy beginning with the effective date of this endorsement.(7)In order for coverage to be provided under this Additional Coverage, you must:Send to us, within 60 days after our request, receipts, bills or other records that support your claim for Expenses under Identity Fraud coverage.d.Lease Assessment(1)When a Limit of Insurance is shown in the Declarations for Business Personal Property at the described premises, we will pay for your share of any assessment charged:(a)To all tenants by the building owner;(b)Pursuant to a written lease agreement; and(c)As a result of direct physical loss or damage by a Covered Cause of Loss to building property you occupy.(2)The most we will pay for loss under this Additional Coverage is $2,500 in any one occurrence.e.Lost Key Consequential Loss(1)We will pay for consequential loss to keys and locks if a master key to buildings, rooms or compartments that are Covered Property, or house Covered Property, at the described premises is lost or damaged from a Covered Cause of Loss. We will pay for the necessary costs you incur to:(a)Replace keys; and (b)Either:(i)Readjust existing locks to accept new keys; or(ii)Replace existing locks, but only if necessary or less expensive than the cost of adjusting the existing locks.(2)Paragraph B.2.h. does not apply to this Additional Coverage, except with respect to dishonest or criminal act by you or any of your partners, directors or trustees.(3)Paragraph B.2.m. does not apply to this Additional Coverage.(4)The most we will pay for loss or damage under this Additional Coverage is $2,500 at each described premises.f.Theft of Clients' Property Coverage(1)If Additional Coverage – Employee Dishonesty is provided within this Coverage Form, the following coverage is added and is subject to the Additional Coverage – Employee Dishonestyprovisions:Theft Of Clients' Property CoverageWe will also pay for loss of or damage to "money", "securities" and "other property" sustained by your "client" resulting directly from "theft" committed by any of your "employees", acting alone or in collusion with other persons.The property covered under this coverage is limited to property:(a)That your "client" owns or leases; or(b)That your "client" holds for others; while the property is on your "client's" premises. However, this insurance is for your benefit only. It provides no rights or benefits to any other person or organization, including your "client". Any claim for loss that is covered under this coverage must be presented by you.(2)With respect to the coverage provided by this Additional Coverage, Paragraph A.6.d.(6) under Additional Coverage – Employee Dishonesty is replaced with the following:The most we will pay for the coverage provided under this Additional Coverage in any one occurrence is $10,000.(3)With respect to the coverage provided by

BUSINESSOWNERS

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D this Additional Coverage, Paragraph D.DEDUCTIBLES is replaced by the following:We will not pay for loss or damage in any one occurrence until the amount of loss or damage exceeds $500. We will then pay the amount of loss or damage in excess of the deductible subject to the limit in paragraph (2) above. No other deductible applies to theft of clients' property coverage.(4)With respect to the coverage provided by this Additional Coverage, Paragraph A.2.b. and A.2.c. is replaced with the following:b.Automobiles, motortrucks and other vehicles subject to motor vehicle registration.(5)With respect to coverage provided under this Additional Coverage Paragraph A.2. Property Not Covered does not apply, except for Subparagraphs a., b., e., g.and j.(6)With respect to coverage provided under this Additional Coverage the following definitions are added to Paragraph G. PROPERTY DEFINITIONS:(a)"Other property" means any tangible property other than "money" and "securities" that has intrinsic value.(b)"Client" means any entity for whom you perform services under a written agreement.g.Unauthorized Business Card Use(1)We will pay for your loss of "money" or charges and costs you incur that result directly from the unauthorized use of credit, debit or charge card accounts issued in your business name, including:(a)Fund transfer cards;(b)Charge plates; or(c)Telephone cards.(2)With respect to this Additional Coverage, occurrence means an act or series of related acts involving one or more persons; or an act or event, or a series of related acts or events not involving any person is considered one occurrence.(3)The most we will pay under this Additional Coverage in any one occurrence is $5,000, regardless of the number of premises involved.h.Utility Services – Direct Damage(1)We will pay for loss of or damage to Covered Property caused by the interruption of services to the described premises. The interruption must result from direct physical loss or damage by a Covered Cause of Loss to the following property not on the described premises:(a)"Water Supply Services";(b)"Communication Supply Services"; or(c)"Power Supply Services".(2)With respect to this Additional Coverage, Paragraphs G.3.b. and G.22.b are deleted.(3)The most we will pay for loss or damage under this Additional Coverage is $25,000 at each described premises, but we will not pay more than $100,000 in any one occurrence, regardless of the number of premises involved.(4)Payments under this Additional Coverage are subject to and not in addition to the applicable Limit of Insurance.10.The following Additional Coverage is added, but only with respect to described premises to which no Ordinance or Law – Coverage A applies other than as provided under Paragraph A.6.k.: Ordinance or Law – Coverage A – Coverage For Loss to the Undamaged Portion of the Building(1)If a Limit of Insurance is shown in the Declarations for Building, in the event of damage by a Covered Cause of Loss we will pay for loss in value of the undamaged portion of the building as a consequence of enforcement of the minimum requirements of any ordinance or law that requires the demolition of undamaged parts of the same building. (2)The coverage provided by this Additional Coverage apply only if both (2)(a) and (2)(b)are satisfied and are then subject to the qualifications set forth in (3).(a)The ordinance or law:(i)Regulates the demolition, construction or repair of buildings, or establishes zoning or land use requirements at the described

BUSINESSOWNERS
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Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D premises; and(ii)Is in force at the time of loss.But coverage under this Additional Coverage applies only in response to the minimum requirements of the ordinance or law. Losses and costs incurred in complying with recommended actions or standards that exceed actual requirements are not covered under this Additional Coverage.(b)(i)The building sustains direct physical damage that is covered under this policy and such damage results in enforcement of the ordinance or law; or(ii)The building sustains both direct physical damage that is covered under this policy and direct physical damage that is not covered under this policy, and the building damage in its entirety results in enforcement of the ordinance or law.(iii)But if the building sustains direct physical damage that is not covered under this policy, and such damage is the subject of the ordinance or law, then there is no coverage under this Additional Coverage even if the building has also sustained covered direct physical damage.(3)In the situation described in (2)(b)(ii) above, we will not pay the full amount of loss otherwise payable under the terms of this Additional Coverage. Instead, we will pay a proportion of such loss; meaning the proportion that the covered direct physical damage bears to the total direct physical damage.However, if the covered direct physical damage, alone, would have resulted in enforcement of the ordinance or law, then we will pay the full amount of loss otherwise payable under the terms of this Additional Coverage.(4)We will not pay under this Additional Coverage for:(a)Enforcement of any ordinance or law which requires the demolition, repair, replacement, reconstruction, remodeling or remediation of property due to contamination by "pollutants" or due to the presence, growth, proliferation, spread or any activity of "fungus", wet rot or dry rot; or (b)The costs associated with the enforcement of any ordinance or law which requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of "pollutants", "fungus", wet rot or dry rot.(5)Specific or Blanket Insurance(a)Specific InsuranceWith respect to the building insured on a "specific insurance" basis that has sustained covered direct physical damage, we will pay under this Additional Coverage for the loss in value of the undamaged portion of the building as a consequence of enforcement of an ordinance or law that requires demolition of undamaged parts of the same building as described in paragraph (6)(b)(i) and (6)(b)(ii) below.(b)Blanket InsuranceWith respect to the building insured on a "blanket insurance" basis that has sustained covered direct physical damage, we will pay under this Additional Coverage for the loss in value of the undamaged portion of the building as a consequence of enforcement of an ordinance or law that requires demolition of undamaged parts of the same building as described in paragraph (6)(c) and (6)(d) below.(c)As used in this Additional Coverage, the terms "specific insurance" and "blanket insurance" have the following meanings: Specific insurance covers each item of insurance (for example, each building) under a separate Limit of Insurance. Blanket insurance covers two or more items of insurance (for example, a building and personal property in that building, or two buildings) under a single Limit of Insurance.(d)This Additional Coverage is included in the Limit of Insurance shown in the Declarations as applicable to the covered building. This Additional Coverage does not increase the Limit of Insurance. (6)Loss Payment(a)The following loss payment provision is subject to the apportionment procedures set forth in Paragraphs (2) and (3) above.

BUSINESSOWNERS

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D (b)When there is a loss in value of an undamaged portion of a building to which this Additional Coverage applies, the loss payment for that building, including damaged and undamaged portions, will be determined as follows:Specific Insurance(i)If Replacement Cost coverage applies on a "specific insurance" basis and the property is being repaired or replaced, on the same or another premises, we will not pay more than the lesser of:a)The amount you actually spend to repair, rebuild or reconstruct the building, but not for more than the amount it would cost to restore the building on the same premises and to the same height, floor area, style and comparable quality of the original property insured; orb)The Limit of Insurance shown in the Declarations as applicable to the covered building.(ii)If Replacement Cost coverage applies on a "specific insurance" basis and the property is not repaired or replaced, or if the optional Actual Cash Value is applicable on a "specific insurance" basis to real property, we will not pay more than the lesser of:a)The actual cash value of the building at the time of loss; orb)The Limit of Insurance shown in the Declarations as applicable to the covered building.(c)Blanket Insurance If Replacement Cost coverage applies on a "blanket insurance" basis and the property is being repaired or replaced, on the same or another premises, we will not pay more than the lesser of:(i)The amount you actually spend to repair, rebuild or reconstruct the building, but not for more than the amount it would cost to restore the building on the same premises and to the same height, floor area, style and comparable quality of the original property insured; or(ii)The value individually stated for the covered building on the latest statement of values on file with us. If, at the time of loss, there is no statement of values on file with us or the value for the covered building or structure is not individually stated on the latest statement of values on file with us, the value of the building or structure will be determined by multiplying:a)The total reported building and structure value; by b)The proportion that the square footage of the individual building or structure bears to the total square footage of all buildings and structures contemplated in the total reported building and structure value. (d)If Replacement Cost coverage applies on a "blanket insurance" basis and the property is not repaired or replaced, or if the optional Actual Cash Value is applicable on a "blanket insurance" basis to real property, we will not pay more than the lesser of:(i)The actual cash value of the building at the time of loss; or(ii)The value individually stated for the covered building on the latest statement of values on file with us. If, at the time of loss, there is no statement of values on file with us or the value for the covered building or structure is not individually stated on the latest statement of values on file with us, the value of the building or structure will be determined by multiplying:a)The total reported building and structure value; byb)The proportion that the square footage of the individual building or structure bears to the total

BUSINESSOWNERS
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Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D square footage of all buildings and structures contemplated in the total reported building and structure value.(7)The terms of this Additional Coverage apply separately to each building to which this Additional Coverage applies.(8)Under this Additional Coverage we will not pay for loss due to any ordinance or law that:(a)You were required to comply with before the loss, even if the building was undamaged; and(b)You failed to comply with. 11.The following Coverage Extensions under Paragraph A.7. are changed as follows:a.Business Income and Extra Expense From Dependent Property(1)Paragraph A.7.d.(4)(a) is replaced by the following:Applies to Dependent Property premises located worldwide; and(2)The limit applicable to the Coverage Extension – Business Income and Extra Expense From Dependent Property is increased from $10,000 to $50,000. b.The limit applicable to the Coverage Extension – Business Income and Extra Expense – Newly Acquired Premises is increased from $250,000 to $500,000.c.The expiration days applicable to the Coverage Extension – Newly Acquired or Constructed Property for Business Income and Extra Expense is increased from 90 days to 180 days.d.Two of the limits applicable to the Coverage Extension – Electronic Data Processingare changed as follows:(1)The limit applicable to "Electronic Data Processing Equipment" and to "Electronic Data Processing Data and Media" while in transit or at premises other than the described premises is increased from $25,000 to $75,000.(2)The limit applicable to loss or damage to "Electronic Data Processing Data and Media" caused by or resulting from "electronic vandalism" is increased from $25,000 to $50,000.e.The limit applicable to the Coverage Extension – Non-owned Detached Trailersis increased from $5,000 to $25,000.f.The limit applicable to the Coverage Extension – Ordinance or Law – Increased "Period of Restoration" is increased from $25,000 to $50,000.12.The following Coverage Extensions are added to Paragraph A.7.:a.Business Income and Extra Expense –Boil-Water Order(1)When the Declarations show that you have coverage for Business Income and Extra Expense, you may extend that insurance to apply to the actual loss of Business Income you sustain and reasonable and necessary Extra Expense you incur due to the "suspension" of your "operations" at the described premises caused by or resulting from a "boil-water order" due to a Covered Cause of Loss. (2)The most we will pay under this Coverage Extension is $10,000 at each described premises for the sum of all covered loss of Business Income and Extra Expense arising out of all "boil-water orders" occurring during each separate 12 month period of this policy beginning with the effective date of this endorsement.(3)The coverage for Business Income and Extra Expense will begin 24 hours after the time the "boil-water order" goes into effect and will apply for a period of seven consecutive days after coverage begins.(4)This Coverage Extension does not apply to any "boil-water order" while access to the described premises is prohibited by action of civil authority.(5)With respect to this Coverage Extension, the following definition is provided:"Boil-water order" means an advisory, notice, order or other communication issued by a governmental, health or water authority, requiring that water at the described premises should be boiled before consumption or use, due to actual or potential contamination.b.Business Income and Extra Expense at Client or Virtual Office Premises

BUSINESSOWNERS

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D (1)When the Declarations show that you have coverage for Business Income and Extra Expense, you may extend that insurance to apply to the actual loss of Business Income you sustain and reasonable and necessary Extra Expense you incur due to the "suspension" of your business activities occurring at a "client or virtual office premises" during the "period of restoration". The "suspension" must be caused by direct physical loss or damage caused by or resulting from a Covered Cause of Loss at a "client or virtual office premises".(2)With respect to this Coverage Extension, the "period of restoration" definition under Paragraph G. PROPERTY DEFINITIONSis replaced by the following:"Period of Restoration" means the period of time that:(a)Begins 24 hours after the time of direct physical loss or damage caused by or resulting from any Covered Cause of Loss at the "client or virtual office premises"; and(b)Ends on the earlier of:(i)The date when the property at the "client or virtual office premises" should be repaired, rebuilt or replaced with reasonable speed and similar quality; or(ii)The date when "client or virtual office premises" is resumed at a new permanent location; and(c)Does not include any increased period required due to the enforcement of any ordinance or law that:(i)Regulates the construction, use or repair, or requires the tearing down of any property; or(ii)Requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of "pollutants".The expiration date of this policy will not cut short the "period of restoration".(3)This Coverage Extension applies to "client or virtual office premises" located within the Coverage Territory.(4)We will reduce the amount of your Business Income loss, other than Extra Expense, to the extent you can resume your business activities at a "client or virtual office premises" in whole or in part, by using any other available:(a)Source of materials; or(b)Outlet for your products.(5)This Coverage Extension does not apply to loss caused by or resulting from loss or damage to property:(a)At the premises of a "dependent property";(b)At any location to which the Business Income and Extra Expense Newly Acquired Premises Coverage Extension applies; or(c)In the due course of transit.(6)The most we will pay under this Coverage Extension for the sum of Business Income and Extra Expense you incur in any one occurrence is $25,000 regardless of the number of "client or virtual office premises" involved.(7)Payments made under this Coverage Extension are in addition to the applicable Limits of Insurance.c.Business Personal Property at Client or Virtual Office Premises(1)When a Limit of Insurance is shown in the Declarations for Business Personal Property at any described premises, you may extend that insurance to apply to direct physical loss of or damage to Business Personal Property caused by or resulting from a Covered Cause of Loss while such property is located at a "client or virtual office premises". (2)This Coverage Extension also applies to personal property that is:(a)Owned by an "employee"; and(b)Used for your business;while such property is located at a "client or virtual office premises" and sustains direct physical loss or damage caused by or resulting from a Covered Cause of Loss. (3)This Coverage Extension does not apply to property:

BUSINESSOWNERS
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Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D (a)Otherwise covered under the following Additional Coverages;(i)Blanket Coverage Limit of Insurance – Accounts Receivable;(ii)Blanket Coverage Limit of Insurance Valuable Papers and Records; or(iii)Fine Arts.(b)Otherwise covered under the following Coverage Extensions: (i)Accounts Receivable;(ii)Business Personal Property Off Premises;(iii)Electronic Data Processing; (iv)Sales Representative's Samples; or(v)Valuable Papers and Records. (4)The most we will pay for loss or damage under this Coverage Extension in any one occurrence is $25,000 regardless of the number of "client or virtual office premises" involved.(5)Payments under this Coverage Extension are in addition to the applicable Limits of Insurance.d.Civil Authority – Homicide or Suicide(1)When the Declarations show that you have coverage for Business Income and Extra Expense, you may extend that insurance to apply to the actual loss of Business Income you sustain and reasonable and necessary Extra Expense you incur caused by action of civil authority that prohibits access to the described premises due to a homicide or suicide occurring at such premises. (2)The coverage for Business Income and Extra Expense will begin immediately after the time of that action and will apply for a period of one week after coverage begins.e.Computer Fraud and Funds Transfer Fraud(1)When a Limit of Insurance is shown in the Declarations for Business Personal Property at the described premises, you may extend that insurance to apply to: (a)Loss of or damage to Business Personal Property resulting directly from the use of any computer to fraudulently cause a transfer of that property from inside the building at the described premises or "banking premises": (i)To a person (other than a "messenger") outside those premises; or(ii)To a place outside those premises.(b)Loss of "money" and "securities" resulting directly from a "fraudulent instruction" directing a financial institution to transfer, pay or deliver "money" and "securities" from your "transfer account".(2)With respect to the coverage provided by this Coverage Extension, Paragraph B. Exclusions is amended as follows:(a)Paragraph B.2.o. does not apply.(b)Paragraph B.2.i. does not apply.(c)The following exclusion is added:We will not pay for loss or damage caused by or resulting from the use or purported use of credit, debit, charge, access, convenience, identification, stored-value or other cards or the information contained on such cards.(3)With respect to this Coverage Extension, occurrence means an act or series of related acts involving one or more persons; or an act or event, or a series of related acts or events not involving any person is considered one occurrence.(4)The most we will pay under this Coverage Extension in any one occurrence is the limit of insurance shown in the above schedule, regardless of the number of premises involved.f.Covered Leasehold Interest – Undamaged Improvements and Betterments(1)When a Limit of Insurance is shown in the Declarations for Business Personal Property at the described premises, you may extend that insurance to apply to your interest as tenant in improvements and betterments, as defined in Section A.1.b.(3) of this Coverage Form, which are not damaged or destroyed, but which you lose due to the cancellation of your lease by your landlord. The cancellation

BUSINESSOWNERS

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D of your lease by your landlord must:(a)Result from direct physical loss of or damage to property at the described premises where your improvements and betterments are located, caused by or resulting from a Covered Cause of Loss; and(b)Be permitted in accordance with the conditions of your written lease agreement.(2)The most we will pay in any one occurrence under this Coverage Extension is:(a)The applicable Business Personal Property Limit of Insurance; or(b)$25,000;whichever is less.g.Deferred Payments(1)When a Limit of Insurance is shown in the Declarations for Business Personal Property at the described premises, you may extend that insurance to apply to your interest in such business personal property that is sold by you under an installment plan, conditional sale, trust agreement or other deferred payment plan when, as a result of direct physical loss of or damage to such property:(a)Occurring within the Coverage Territory at any location, or in transit, after delivery to buyers; and(b)Caused by a Covered Cause of Loss;the buyer refuses to continue payments owed to you for such property and, as a result, you repossess the remaining damaged property of value, if any. (2)The value of your loss under this Coverage Extension will be determined as follows:(a)In the event of partial loss to property, the value of your loss will be:(i)The unpaid balance shown on your books as due from the buyer for such property, excluding any interest or fees due; minus(ii)The actual cash value of the repossessed damaged property.(b)In the event of a total loss to property, the value of your loss will be the unpaid balance shown on your books as due from the buyer for such property, excluding any interest or fees due.(3)The following is added to A.2. Property And Costs Not Covered, but only with respect to this Coverage Extension. Personal property sold by you under an installment plan, conditional sale, trust agreement or other deferred payment plan after delivery to the purchasers ex-cept as provided in the Deferred Pay-ments Coverage Extension;(4)The most we will pay in any one occurrence under this Coverage Extension is $25,000.h.Food Contamination Costs(1)When the Declarations show that you have coverage for Business Income and Extra Expense, you may extend that insurance to apply to the actual loss of Business Income you sustain and reasonable and necessary "food contamination expense" you incur due to the "suspension" of your "operations" during the "period of restoration". The "suspension" must be required by a "Public Health Authority" due to discovery of, suspicion of, or exposure to "food contamination" at the described premises.(2)The following exclusions do not apply to this Coverage Extension if such excluded causes of loss result in any "food contamination" to which this Coverage Extension applies:(a)Exclusion B.2.d.(7)(d), changes in flavor, color, texture or finish; (b)Exclusion B.2.d.(8), contamination by other than "pollutants";(c)Exclusion, B.2.k., Pollution; andIn addition, any Exclusion of Loss Due to Virus or Bacteria endorsement which is applicable to this Coverage Form does not apply to "food contamination" that results from a "communicable disease" to which this Coverage Extension applies.(3)We will not pay any fines or penalties levied against you by the "Public Health Authority" as a result of the discovery or suspicion of "food contamination" at the described premises.

BUSINESSOWNERS
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Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D (4)The most we will pay under this Coverage Extension for the sum of all covered loss and expenses during each separate 12 month period of this policy beginning with the effective date of this endorsement is the Limit of Insurance shown in the Schedule above for Food Contamination.(5)Payments under this Coverage Extension are in addition to the applicable Limits of Insurance.(6)The following PROPERTY DEFINITIONSare added with respect to this Coverage Extension:(a)"Communicable Diseases" a viral or bacterial micro-organism that induces or is capable of inducing physical illness or disease.(b)"Food Contamination" means a condition in your food which has caused, or is suspected of causing, food poisoning of one or more of your patrons. Such "food contamination" must result from:(i)Tainted food purchased by you;(ii)Food which has been improperly processed, stored, handled or prepared in the course of your "operations"; or(iii)A "Communicable Disease" transmitted by one or more of your "employees".(c)"Food Contamination Expense" means:(i)Your costs to clean and sanitize your machinery and equipment as directed by the "Public Health Authority";(ii)Your costs to replace your food declared contaminated by the "Public Health Authorities";(iii)Your extra costs of advertising including, but not limited to, the expense of telephone, radio, television, newspaper and other media announcements. (iv)Your expense to provide necessary medical tests or vaccinations for your "employees" who are potentially infected by the "food contamination". However, we will not pay for any expense that is otherwise covered under a Workers' Compensation policy.(d)"Public Health Authority" means any governmental authority having jurisdiction over your "operations" relating to health and hygiene standards necessary to protect the general public.(e)"Period of Restoration"With respect to this Coverage Extension means the period of time that:(i)Begins 24 hours after you receive notification from the "Public Health Authority" that your "operations" are to be temporary closed; and (ii)Ends with the notifications from the same "Public Health Authority" that your "operations" can be resumed.i.Limited Building Coverage – Tenant Obligation(1)If:(a)You are a tenant;(b)A Limit of Insurance is shown in the Declarations for Business Personal Property; and(c)You are contractually obligated to repair or replace that part of a building you occupy as a tenant;at the described premises, you may extend that insurance to apply to direct physical loss of or damage to that part of a building you occupy as a tenant caused by or resulting from a Covered Cause of Loss other than "theft" or attempted "theft".(2)This Coverage Extension does not apply to any otherwise covered:(a)Building glass; or(b)Tenants improvements and betterments as described in Paragraph A.1.b.(3).(3)The most we will pay under this Coverage Extension in any one occurrence is $50,000 at each described premises.

BUSINESSOWNERS

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D j.Property in Transit(1)When the Declarations show that you have coverage for Business Income and Extra Expense, you may extend that insurance to apply to the actual loss of Business Income you sustain and reasonable and necessary Extra Expense you incur due to the "suspension" of your "operations" during the "period of restoration". The "suspension" must be caused by direct physical loss or damage caused by or resulting from a Covered Cause of Loss to Covered Property while in the due course of transit at your risk within the Coverage Territory.(2)This Coverage Extension does not apply to loss caused by or resulting from loss or damage to:(a)Shipments by a government postal service, except by registered mail;(b)Export shipments once:(i)The shipment is loaded onboard the export conveyance; or(ii)Coverage under an Ocean Marine or other insurance policy covering the shipment begins; whichever is earlier;(c)Import shipments until:(i)The shipment is unloaded from the importing conveyance; or(ii)Coverage under an Ocean Marine or other insurance policy covering the property ends;whichever is later;(d)Property of others for which you are responsible while acting as a common or contract carrier, freight forwarder, freight consolidator, or freight broker or public warehouseman; (e)Property within a conveyance or container caused by "theft" while the conveyance or container is unattended unless the portion of the conveyance or container containing the property is fully enclosed and securely locked, and the "theft" is by forcible entry of which there is visible evidence; or(f)The transporting conveyance.(3)With respect to this Coverage Extension, the "period of restoration" definition under Paragraph G. PROPERTY DEFINITIONSis replaced by the following:"Period of Restoration" means the period of time that:(a)Begins 24 hours after the time of direct physical loss or damage caused by or resulting from any Covered Cause of Loss in the due course of transit;(b)Ends on the date when the property in the due course of transit should be repaired, rebuilt or replaced with reasonable speed and similar quality; and(c)Does not include any increased period required due to the enforcement of any ordinance or law that:(i)Regulates the construction, use or repair, or requires the tearing down of any property; or(ii)Requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of "pollutants".The expiration date of this policy will not cut short the "period of restoration".(4)We will reduce the amount of your Business Income loss, other than Extra Expense, to the extent you can resume your business activities in the due course of transit in whole or in part, by using any other available:(a)Source of materials; or(b)Outlet for your products.(5)This Coverage Extension does not apply to loss caused by or resulting from loss or damage to property:(a)At the premises of a "dependent property"; (b)At any location to which the Business Income and Extra Expense at Client or Virtual Office Premises Coverage Extension applies; or(c)At any location to which the Business Income and Extra Expense Newly Acquired Premises Coverage Extension applies.

BUSINESSOWNERS
MP T3 66 08 15© 2015 The Travelers Indemnity Company. All rights reserved.Page 13 of 16Includes copyrighted material of Insurance Services Office, Inc. with its permission.

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D (6)The most we will pay under this Coverage Extension for the sum of Business Income and Extra Expense you incur in any one occurrence is $25,000. This limit applies regardless of the number of locations involved. (7)Payments made under this Coverage Extension are in addition to the applicable Limits of Insurance.k.Sales Representative's Samples(1)When a Limit of Insurance is shown in the Declarations for Business Personal Property, you may extend that insurance to apply to:(a)Samples of your stock in trade (including containers); and(b)Similar property of others;while such property is in the custody of your sales representatives, or agents, or yourself while acting as a sales representative, including while in transit.(2)We will not pay for loss or damage caused by "theft" of Covered Property from an unattended vehicle. But we will pay for "theft" of Covered Property from an unattended vehicle if at the time of the "theft", all the vehicle's doors, windows and compartments were closed and locked and there are visible signs that the "theft" was a result of forced entry. (3)The most we will pay for loss or damage for property in the custody of any one sales representative in any one occurrence is $25,000.l.Spoilage Coverage(1)When a Limit of Insurance is shown in the Declarations for Business Personal Property at the described premises, you may extend that insurance to apply to direct physical loss of or damage to Perishable Stock caused by or resulting from a covered cause of loss described in Paragraph (3) below and not excluded in Paragraph (4) below.(2)This Coverage Extension does not apply to Perishable Stock while located:(a)On buildings;(b)In the open; or(c)In vehicles.(3)With respect to this Coverage Extension, covered cause of loss means the following:(a)Breakdown or Contamination, meaning:(i)Change in temperature or humidity resulting from mechanical breakdown or failure of refrigerating, cooling or humidity control apparatus or equipment, only while such equipment or apparatus is at the described premises; or(ii)Contamination by a refrigerant, only while the refrigerating apparatus or equipment is at the described premises; or(b)Power Outage, meaning change in temperature or humidity resulting from complete or partial interruption of electrical power, either on or off the described premises, due to conditions beyond your control.(4)The following exclusions apply to this Coverage Extension:(a)We will not pay for loss or damage caused directly or indirectly by any of the following, regardless of any other cause or event that contributes concurrently or in any sequence to the loss:(i)Manual disconnecting of any refrigeration, cooling, heating or humidity control system from the source of electric power;(ii)Terminating of electric power due to throwing or turning off any switch or other device usual to the shutting off of electric power, on the described premises; or(iii)Intentional decision of an electric utility company or other source of electric power not to provide sufficient power or the inability of such company or source to provide sufficient power, due to lack of fuel, governmental order or lack of generating capacity to meet the demand.(b)Paragraph B.1.b. Earth Movement;(c)Paragraph B.1.c. Governmental Action;(d)Paragraph B.1.d. Nuclear Hazard;

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Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D (e)Paragraph B.1.f. War and Military Action;(f)Paragraph B.1.g. Water; and(g)Paragraph B.1.h. Neglect.No other exclusions in Paragraph B.Exclusions apply to this Coverage Extension. However, if any exclusions are added by endorsement to this Coverage Form, such exclusions will apply to this Coverage Extension.(5)With respect to this Coverage Extension, Perishable Stock means personal property:(a)Maintained under controlled conditions for its preservation; and(b)Susceptible to loss or damage if the controlled temperature or humidity conditions change.(6)The most we will pay for loss or damage under this Coverage Extension in any one occurrence is $10,000, regardless of the number of premises involved.m.Undamaged Parts of Stock in Process(1)When a Limit of Insurance is shown in the Declarations for Business Personal Property at the described premises, you may extend that insurance to apply to the reduction in value of the undamaged remaining parts of "stock" which becomes unmarketable when the reduction is caused by direct physical loss or damage from a Covered Cause of Loss to other parts of "stock". (2)The most we will pay under this Coverage Extension in any one occurrence is $25,000. n.Utility Services – Time Element(1)When the Declarations show that you have coverage for Business Income and Extra Expense, you may extend that insurance to apply to the loss of Business Income or Extra Expense caused by the interruption of service to the described premises. The interruption must result from direct physical loss or damage by a Covered Cause of Loss to the following property not on the described premises:(a)"Water Supply Services"; (b)"Communication Supply Services"; or(c)"Power Supply Services". (2)We will only pay for loss of Business Income you sustain and Extra Expense you incur after 48 consecutive hours following the direct physical loss or damage to the following property not on the described premises; (a)"Water Supply Services"; (b)"Communication Supply Services"; or(c)"Power Supply Services".This Coverage Extension does not apply to any reduction of income after service has been restored to your premises.(3)With respect to this Coverage Extension, Paragraphs G.3.b and G.22.b are deleted. (4)The most we will pay for loss under this Coverage Extension is $50,000 at each described premises, but we will not pay more than $100,000 in any one occurrence, regardless of the number of premises involved. o.Water or Sewage Back Up and Sump Overflow(1)When the Declarations show that you have coverage for Building or Business Personal Property, you may extend that insurance to apply to direct physical loss of or damage to Covered Property at the described premises caused by or resulting from water or sewage that backs up or overflows from a sewer, drain or sump that is inside a building at the described premises.(2)When the Declarations show that you have coverage for Business Income and Extra Expense, you may also extend that insurance to apply to the actual loss of Business Income you sustain and reasonable and necessary Extra Expense you incur caused by or resulting from water or sewage that backs up or overflows from a sewer, drain or sump that is inside a building at the described premises.(3)Paragraph B.1.g.(3) does not apply to this Coverage Extension.(4)The most we will pay under this Coverage Extension in any one occurrence is $50,000, regardless of the number of described premises involved. Amounts payable under any coverage, including any Additional Coverage or

BUSINESSOWNERS
MP T3 66 08 15© 2015 The Travelers Indemnity Company. All rights reserved.Page 15 of 16Includes copyrighted material of Insurance Services Office, Inc. with its permission.

Docusign Envelope ID: FB11F9D5-7EC4-4B56-8F0C-C9B20684992D Coverage Extension, do not increase this limit.13.The following is added to Paragraph E. PROPERTY LOSS CONDITIONS:Pairs, sets or parts:(1)In case of loss to any part of a pair or set we may at our option:(a)Repair or replace any part to restore the pair or set to its value before the loss; or(b)Pay the difference between the value of the pair or set before and after the loss.(2)In case of loss to any part of Covered Property consisting of several parts when complete, we will only pay for the value of the lost or damaged part. 14.The following is added to Paragraph F. COMMERCIAL PROPERTY CONDITIONS:Unintentional Errors In DescriptionYour error in how you describe the address of a location in the Location Schedule shall not prejudice coverage afforded by this policy, provided such error is not intentional. Any such error shall be reported and corrected when discovered and appropriate premium charged. 15.The following definitions are added to Paragraph G. PROPERTY DEFINITIONS:a."Client or Virtual Office Premises" means the interior of that portion of any building occupied by an "employee", including:(1)An "employee's" residence; or(2)A client's business location. Client or virtual office premises does not include any location that is described in the Declarations or reported to or accepted by us for coverage under this Coverage Form.b."Fraudulent instruction" means:(1)An electronic, telegraphic, cable, teletype, telefacsimile or telephone instruction which purports to have been transmitted by you, but which was in fact fraudulently transmitted by someone else without your knowledge or consent;(2)A written instruction (other than those described in Paragraph A.6.i.) issued by you, which was forged or altered by someone other than you without your knowledge or consent or which purports to have been issued by you, but was in fact fraudulently issued without your knowledge or consent; or(3)An electronic, telegraphic, cable, teletype, telefacsimile, telephone or written instruction initially received by you which purports to have been transmitted by an "employee" but which was in fact fraudulently transmitted by someone else without your or the "employee's" knowledge or consent. c."Fungus" means any type or form of fungus, including mold or mildew, and any mycotoxins, spores, scents or by-products produced or released by fungi. d."Messenger" means you, or a relative of yours, or any of your partners or "members", or any "employee" while having care and custody of property outside the premises. e."Transfer account" means an account maintained by you at a financial institution from which you can initiate the transfer, payment or delivery of "money" and "securities":(1)By means of electronic, telegraphic, cable, teletype, telefacsimile or telephone instructions communicated directly through an electronic funds transfer system; or(2)By means of written instructions (other than those described in Paragraph A.6.i.) establishing the conditions under which such transfers are to be initiated by such financial institution through an electronic funds transfer system.

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