I need to fill out a format with information from approximaly 18 contracts

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Dear member,

We’re pleased to provide you with your new Sentry Insurance Company policy, which, as previously communicated, replaces your Florists’ Mutual Insurance Company policy. While the underwriting company has changed, your relationship with Hortica® - a brand of the Sentry Insurance Group - and the representatives you’ve been working with, have not.

As part of this transition, you'll have access to a new secure online account management portal. You can conveniently view your active policies and download policy documents, access payment options and histories, and track your claims details.

Included with your new policy are documents addressing any changes to your coverage. If applicable, we’ve also sent copies of these documents to the appropriate mortgagee(s) and/or lienholder(s). We recommend you review the enclosed documents and contact us if you need to make changes or if you have any questions.

We're committed to helping support and protect your business and we take pride in providing outstanding claims service. Thank you again for allowing us to be your insurance provider. We look forward to continuing our relationship for years to come.

Sincerely,

Tim Noble President Hortica

Hortica® property and casualty coverages are underwritten, and loss control services are provided, by Florists' Mutual Insurance Company, Florists' Insurance Company, and Florists' Insurance Service, Inc., Edwardsville, IL, members of the Sentry Insurance Group. For more information, visit hortica.com. Policies, coverages, benefits, and discounts are not available in all states. See policy for complete coverage details.

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Sentry Insurance a Mutual Company 00001 0000000000 24235 0 N1 157f5ab8-b970-45d4-ad1d-6e8eece5558b157f5ab8-b970-45d4-ad1d-6e8eece5558b 0027020044376986015933172122625

MMSEA Section 111 - A Federal Statute You Need to Know Section 111 of the Medicare, Medicaid and SCHIP Extension Act of 2007 (MMSEA) statute institutes mandatory reporting requirements for claims involving a Medicare beneficiary. If you self administer these types of claims, you assume responsibility for reporting.

As your insurance carrier, we handle the reporting requirements for you. However, employers who don't report claims to their insurance carrier and take on the ongoing responsibility for medical payments (ORM) for claimants are subject to federal fines if the claimant is, or becomes, a Medicare beneficiary. Employers may receive a fine of $1,000 per claim/per day and possible civil penalties, if the employer does not follow all reporting provisions in Section 111.

For more information Below are answers to frequently asked questions to help clarify. For complete information, refer to the most recent MMSEA Section 111 Medicare Secondary Payer Mandatory User Guide - search the web by entering NGHP User Guide in the search field.

Why the MMSEA and why would this affect my business? In December 2007, the MMSEA was signed into law in an effort to curb the rising cost of Medicare by enforcing Medicare's status as a secondary payer. Section 111 of the MMSEA adds new reporting provisions requiring that the Responsible Reporting Entity (RRE), typically the insurance carrier, report all workers’ compensation, liability and no fault bodily injury claims within the time frame designated by the Secretary of the Coordination of Benefits Contractor (COBC).

Who is a Medicare beneficiary? A Medicare beneficiary, in general, is any person who is 65 years of age or older, has been a legal resident of the United States for at least 5 years and is eligible for Medicare. People with disabilities under the age of 65 may also be eligible if they receive Social Security Disability Insurance (SSDI) benefits. Also, people with specific medical conditions and dependents, including minors, in certain circumstances may become eligible to enroll in Medicare.

Who is a Responsible Reporting Entity (RRE)? RREs are typically insurers or self insured entities; however, employers who don't report claims to their insurance carrier and assume the responsibility for ongoing medicals become the RRE and are held to all of the Section 111 reporting provisions, even if the employer has an insurance policy with a carrier.

What defines Ongoing Responsibility for Medicals (ORM)? The entity that assumes responsibility for ongoing medicals must monitor the status of their claimants who are Medicare beneficiaries until the claimant dies, a settlement has been made or the Statute of Limitations is met and the claim cannot be reopened. In many cases involving Workers’ Compensation, and in certain No Fault states, there is no Statute of Limitations - the claim can be reopened at any time until the individual's death.

Which claims need to be reported? All claims involving a Medicare beneficiary where a settlement, judgment, award or other payment is made must be reported. The entity who assumes ongoing responsibility for medicals (ORM) must monitor the status of a claimant for as long as their legal responsibilities for ORM remain open. In such circumstances the claim must be reported when the claimant becomes a Medicare beneficiary.

Every RRE must register with the Centers for Medicare & Medicaid Service (CMS), and once registered will be assigned a CMS liaison to help work through the testing and reporting process. More information regarding Section 111 and the reporting requirements can be found on the CMS website, cms.gov/MandatoryInsRep.

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Sentry Insurance a Mutual Company 00001 0000000000 24235 0 N1 f7477f2c-e260-4ca0-916e-3a4c7e833435f7477f2c-e260-4ca0-916e-3a4c7e833435 0027020044376986015933172122625

Billing Practices Your commercial insurance protection is critical to your business operations. To ensure continued protection of your assets, we encourage you to pay your invoice promptly. The information below outlines our billing practices.

Payment Plans We offer a variety of interest-free premium payment plans for our eligible customers. Multiple late payments may result in the immediate forfeiture of the premium payment plan.

Invoices Your invoice provides you with a description of premium transactions that affect your account. It includes the information you need to effectively track your costs and coverage periods. Your invoice will list the date your premium payment is due in our office.

If you default on a premium payment, a notice of cancellation will be sent and may be applicable to your entire account with all of our companies.

We reserve the right to apply any amount owed to you by any of our companies against unpaid amounts owed by you to any of our companies.

In the event of policy cancelation, we reserve the right to request first party claim payment be applied to unpaid and past due earned premium on your account.

Audited Coverages (estimated) If any of your coverages have been written on an estimated basis, at the end of the policy period you may be asked to provide information from your records, or an auditor may visit you. The purpose of the audit is to determine earned premium. After the audit, we will either credit your account with any return premium or bill you for any additional premium due.

Customer Service If you have any questions or concerns regarding your invoice or about our payment plans, please contact our Customer Service Unit.

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Sentry Insurance a Mutual Company 00001 0000000000 24235 0 N1 98eb5810-2c78-4031-8a58-febdc2d1530298eb5810-2c78-4031-8a58-febdc2d15302 0027020044376986015933172122625

45-8 4/18

IMPORTANT NOTICE What You Should Know About Our Protection of Your Privacy Protecting the personal information of the individuals we serve is a priority for Sentry Insurance. We collect, retain and use personal information about individuals for the purpose of serving their insurance needs and providing services to them.

This notice describes how we handle personal information of the individuals we serve. It is only for your information. No action on your part is needed.

If you have questions regarding this notice, please write to Director of Privacy, 1800 North Point Drive, Stevens Point, WI 54481.

What kinds of information are collected and disclosed? The types of information we may collect about you include:

Information you provide on applications or other forms, or in your verbal responses to our questions. This may include identifying information such as name, address and information about your assets and income.

Information about your transactions with us including policies purchased and premium payment history.

Information we receive from a consumer reporting agency that indicates your credit worthiness and credit history.

Information we collect from you as part of the claims process.

We do not sell customer lists or any personal information regarding our customers.

We only disclose nonpublic personal information about customers or former customers to other affiliated or nonaffiliated third parties as permitted or required by law. We may share personal financial information about you between affiliated companies within the Sentry Insurance Group in order to make additional services available to you (e.g. auto insurance customers may receive information about life insurance products, and vice versa).

For those clients of Point Insurance Agency, LLC, Florists' Insurance Service, Inc. and/or the Parker Stevens agencies, these agencies may disclose your nonpublic personal information to nonaffiliated insurance companies as reasonably necessary to provide you with insurance products and services.

How do we safeguard your privacy? We maintain physical, electronic and procedural safeguards to protect your personal financial information.

We restrict access to nonpublic personal financial data to those associates who need to know that information in order to provide products or services to you.

We communicate to associates in writing the importance of protecting confidential information.

We may amend our privacy policies at any time. If we do, we will inform you in writing.

This notice applies to each of the following companies. Companies may not be licensed in all states.

Sentry Insurance Company (formerly known as Sentry Insurance a Mutual Company)

Dairyland American Insurance Company Dairyland County Mutual Insurance Company

of Texas Dairyland Insurance Company Dairyland National Insurance Company Middlesex Insurance Company Parker Assurance Ltd. Parker Centennial Assurance Company Parker Services, L.L.C.

Florists' Insurance Service, Inc. Parker Stevens Agency, L.L.C. Parker Stevens Insurance Agency of

Massachusetts, Inc. Patriot General Insurance Company Peak Property and Casualty

Insurance Corporation Point Insurance Agency, LLC Point Insurance Company Sentry Casualty Company Florists' Mutual Insurance Company

Sentry Equity Services, Inc. Sentry Life Insurance Company Sentry Life Insurance Company of

New York Sentry Lloyds of Texas Sentry Select Insurance Company Viking Insurance Company of

Wisconsin Florists' Insurance Company

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Sentry Insurance a Mutual Company 00001 0000000000 24235 0 N1 733c6554-29b8-4f22-a0d4-ccfa50b3aaaa733c6554-29b8-4f22-a0d4-ccfa50b3aaaa 0027020044376986015933172122625

Florida Insurance Regulations require insurance companies offering Commercial Property or Casualty Insurance to make available to its policyholders guidelines for risk management plans.

In conformance with these regulations, Sentry Insurance has established a Risk Management program. Our program includes the following services:

1. Risk Management Guidelines for policyholder use

2. Surveys of buildings and operations for hazardous conditions

3. Consultation to aid in accident prevention and in the solution of occupational health or environmental hazards

4. Analysis of loss data to identify and evaluate actual or potential exposures which can result in injuries

5. Assistance in training with regard to accident control principles and techniques

6. Assist in the evaluation of existing accident control programs or development of an accident control program to fit your needs

For more information on available services write:

Sentry Insurance Safety Services Manager 1800 North Point Drive Stevens Point, WI 54481 800-443-9655

Safety Services Department

Sentry Insurance a Mutual Company

NOTICE - FLORIDA RISK MANAGEMENT

Page 1 of 1FL RISK MGT 01 18 08/22/2024A0254250

Sentry Insurance a Mutual Company 00001 0000000000 24235 0 N1 91d95c0b-61d0-4423-ac7b-75a86718332691d95c0b-61d0-4423-ac7b-75a867183326 0027020044376986015933172122625

This notice applies to the following policy

POLICYHOLDER DISCLOSURE RENEWAL OF TERRORISM COVERAGE

Colour Republic LLC 8901 NW 33rd St Ste 100 Doral, FL 33172-1226

Sentry Insurance a Mutual Company 1 Horticultural Lane PO Box 428 Edwardsville, IL 62025-0428

Account Number: A0254250 Policy Effective: 08/27/2024 to 08/27/2025 Coverage Provided: General Liability

Inland Marine Property Umbrella

Your insurance policy provides coverage for acts of terrorism as defined in the Terrorism Risk Insurance Act. You are notified that under the Terrorism Risk Insurance Act, as amended, the definition of act of terrorism has changed. As defined in Section 102(1) of the Act: The term “act of terrorism” means any act or acts that are certified by the Secretary of the Treasury, in consultation with the Secretary of Homeland Security, and the Attorney General of the United States to be an act of terrorism; to be a violent act or an act that is dangerous to human life, property or infrastructure; to have resulted in damage within the United States, or outside the United States in the case of an air carrier or vessel or the premises of a United States mission; and to have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion.

Under your coverage, any losses resulting from certified acts of terrorism may be partially reimbursed by the United States Government under a formula established by the Terrorism Risk Insurance Act, as amended. However, your policy contains other exclusions which might affect your coverage, such as an exclusion for nuclear events. Under the formula, the United States Government generally reimburses 80% beginning on January 1, 2020, of covered terrorism losses exceeding the statutorily established deductible paid by the insurance company providing the coverage. The Terrorism Risk Insurance Act contains a $100 billion cap that limits the United States Government reimbursement as well as insurers’ liability for losses resulting from certified acts of terrorism when the amount of such losses exceeds $100 billion in any one calendar year. If the aggregate insured losses for all insurers exceed $100 billion, your coverage may be reduced.

The premium for this coverage is specified in your policy and does not include any charges for the portion of losses covered by the United States Government under the Act.

Page 1 of 280 1255 V1 12 20 08/22/2024A0254250

Sentry Insurance a Mutual Company 00001 0000000000 24235 0 N1 13cee98c-e1b7-4654-a7d4-a781ae9fbe8c13cee98c-e1b7-4654-a7d4-a781ae9fbe8c 0027020044376986015933172122625

You are not required to continue this coverage. If you wish to reject renewal of this coverage, you must indicate your rejection on this form and return the rejection to us with your signature by 10/01/2024.

I hereby reject the offer of Terrorism coverage. I understand that an exclusion of losses caused by certified acts of terrorism will be made part of this policy and that any coverage or exclusion presently contained in this policy for non-certified acts of terrorism will not be affected.

Policyholder's signature Date

Print name

80 1255 V1 12 20Page 2 of 2 08/22/2024A0254250

Sentry Insurance a Mutual Company

Hortica customer resources and contact information Customer Service Our customer service team is ready to help you find the answers to your policy questions.

Phone: 800-851-7740 Online: hortica.com (click Log in) Email: [email protected] Fax: 800-233-3642 Hours: Mon-Fri, 7 a.m. - 5 p.m. CT Mail: Hortica, A brand of the Sentry Insurance Group

1 Horticultural Lane P.O. Box 428 Edwardsville, IL 62025

Billing You can submit your premium payments securely over the phone, online, or by mail.

Phone: 800-851-7740 Online: hortica.com (click Make a payment) Mail: Hortica P.O. Box 8017 Stevens Point, WI 54481-8017

Claim Reporting It's important to report claims immediately, even if you don't necessarily have all the information. With Hortica, you can report a claim by phone, fax, or online-24/7, 365 days a year. To speed up the process, please have your policy or account number ready. For more information, please refer to the claim reporting section. To report a claim or check the status of an existing claim, use the following contact information:

Phone: 800-851-7740 Online: hortica.com (click Log in) Fax: 800-999-4642 Email: [email protected] (for claim reporting only) Mail: (Liability-General/auto/property)

Sentry Claims Service PO Box 8026 Stevens Point, WI 54481

Risk management resources As a Hortica customer, you have access to our valuable risk management programs and resources. We’re committed to providing market-leading products and services that make sense for you and your business.

Phone: 800-851-7740

Email: [email protected]

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Sentry Insurance a Mutual Company 00001 0000000000 24235 0 N1 fba2f40c-67af-4544-9db7-266cf7dcbdccfba2f40c-67af-4544-9db7-266cf7dcbdcc 0027020044376986015933172122625

ACCOUNT NUMBER: A0254250

COMMON POLICY DECLARATIONS Sentry Insurance a Mutual Company (A Participating Mutual Company) A member of the Sentry Insurance Group 1800 North Point Drive Stevens Point, WI 54481

Agency

Vosters Insurance Inc 1310 NW Lakeside Trail Stuart, FL 34994 Agency Code 1182999

THIS POLICY IS NON-ASSESSABLE.

First Named Insured: GENERAL INFORMATION

Colour Republic LLC Address: 8901 NW 33rd St Ste 100

Doral, FL 33172-1226 Business Type:

Unless stated elsewhere, the coverage provided under these policies is effective 08/27/2024 to 08/27/2025 at 12:01 A.M. Standard Time at your mailing address shown above.

In return for the payment of the premium, and subject to the terms of these policies, we agree to provide the insurance as stated in the policies.

LLC

NAMED INSUREDS The FIRST NAMED INSURED shown in the GENERAL INFORMATION above, and the person(s) or organization(s) shown as NAMED INSUREDS below are named insureds for all policies.

Not Applicable

COVERED LOCATIONS/SCHEDULE OF PREMISES AddressPrem.# Bldg.# Construction Occupancy

2 5330 W 102nd St Los Angeles, CA 90045-6021

Non-Combustible - Light Steel2 Distributors - wholesale or warehouse stock - farm products other than grain, seeds, beans, cotton or tobacco

3 8901 NW 33rd St Ste 100 Doral, FL 33172-1226

Masonry Non-Combustible - Other Than Reinforced - Light Steel

1 Distributors - wholesale or warehouse stock - farm products other than grain, seeds, beans, cotton or tobacco

3 8901 NW 33rd St Ste 100 Doral, FL 33172-1226

Frame2

3 8901 NW 33rd St Ste 100 Doral, FL 33172-1226

Frame3

IL 89 00 FL 01 18 Page 1 of 2 08/22/2024A0254250

Sentry Insurance a Mutual Company 00001 0000000000 24235 0 N1 8505e829-f635-43c7-a5fe-05373f67f49d8505e829-f635-43c7-a5fe-05373f67f49d 0027020044376986015933172122625

ACCOUNT NUMBER: A0254250

Page 2 of 2 IL 89 00 FL 01 18 08/22/2024A0254250

Sentry Insurance a Mutual Company

COVERED LOCATIONS/SCHEDULE OF PREMISES AddressPrem.# Bldg.# Construction Occupancy

8 2560 W Orange Blossom Trl Apopka, FL 32712-4221

Joisted Masonry - Other Than Reinforced

1 Distributors - wholesale or warehouse stock - farm products other than grain, seeds, beans, cotton or tobacco

COVERAGES The following policies are included:

Policy Number Premium COMMERCIAL PROPERTY COVERAGE A0254250001 $ 84,919.00 COMMERCIAL INLAND MARINE COVERAGE A0254250004 $ 833.00 COMMERCIAL GENERAL LIABILITY COVERAGE A0254250003 $ 113,956.00 COMMERCIAL AUTO COVERAGE A0254250009 $ 108,806.00 COMMERCIAL EXCESS/UMBRELLA COVERAGE A0254250010 $ 58,990.00

PREMIUM SUMMARY Total Premium: 367,504.00$

2,094.00Terrorism: $ 2,120.00FL Insurance Guaranty Association Assessment: $

371,718.00Total Cost: $

FORMS AND ENDORSEMENTS APPLICABLE TO ALL POLICIES LISTED ABOVE

Form/Endorsement Form/Endorsement Title Number and Edition Date 80 2313 01 86 Additional Conditions - Membership And Participation IL 00 17 11 98 Common Policy Conditions IL 70 89 01 22 U.S. Treasury Department's Office of Foreign Assets Control (OFAC) Trade or

Economic Sanctions Endorsement

These declarations together with the common policy conditions, coverage part declarations, coverage part coverage form(s) and forms and endorsements, if any, issued to form a part thereof, complete the above numbered policies.

Countersignature Of Authorized Representative

Name: Title: Signature: Date:

80 2313 01 86

ADDITIONAL CONDITIONS - MEMBERSHIP AND PARTICIPATION

Membership

By virtue of this policy, you are a member of Sentry Insurance A Mutual Company of Stevens Point, Wisconsin.

You are entitled to vote either in person or by proxy at any meeting of the Company. The annual meeting of the Company is held at the Company's Home Office in Stevens Point, Wisconsin at 9:00 A.M. on the third Wednesday in April.

Participation

You will share in any dividends in accordance with conditions established by the Board of Directors. This policy is not assessable.

Vice President, Secretary President

Page 1 of 180 2313 01 86 08/22/2024A0254250

Sentry Insurance a Mutual Company 00001 0000000000 24235 0 N1 eed89414-36f8-4f4c-bd42-94e9f9b6027aeed89414-36f8-4f4c-bd42-94e9f9b6027a 0027020044376986015933172122625

A0254250 Sentry Insurance a Mutual Company

08/22/2024

002702004437698601583317212262525965a92-65ea-4eeb-9fba-3f0075feda49

IL 00 17 11 98 Copyright, Insurance Services Office, Inc., 1998

COMMON POLICY CONDITIONS

IL 00 17 11 98

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

A. Cancellation

1. The first Named Insured shown in the Declara- tions may cancel this policy by mailing or de- livering to us advance written notice of can- cellation.

2. We may cancel this policy by mailing or deliv- ering to the first Named Insured written notice of cancellation at least:

a. 10 days before the effective date of cancel- lation if we cancel for nonpayment of pre- mium; or

b. 30 days before the effective date of cancel- lation if we cancel for any other reason.

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. The policy period will end on that date.

6. If notice is mailed, proof of mailing will be suffi- cient 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 and made a 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 inspections, surveys, reports or recommendations and any such actions we do undertake relate only to in- surability 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, advisory, 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 recom- mendations we may make relative to certifica- tion, under state or municipal statutes, ordi- nances or regulations, of boilers, pressure ves- sels or elevators.

E. Premiums

The first Named Insured shown in the Declara- tions:

1. Is responsible for the payment of all premiums; and

2. Will be the payee for any return premiums we pay.

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 du- ties but only with respect to that property.

Page 1 of 1

A0254250 Sentry Insurance a Mutual Company

08/22/2024

0027020044376986015833172122625f98c4ab3-3ee2-464c-a32c-66ea765b3cb4

IL 70 89 01 22

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

U.S. TREASURY DEPARTMENT'S OFFICE OF FOREIGN ASSETS CONTROL ("OFAC")

TRADE OR ECONOMIC SANCTIONS ENDORSEMENT

This endorsement modifies the coverage provided under the following:

AUTO DEALERS COVERAGE FORM BAILEE'S CUSTOMERS PROPERTY COVERAGE FORM BUSINESS AUTO COVERAGE FORM BUSINESS AUTO PHYSICAL DAMAGE COVERAGE PART BUSINESSOWNERS COVERAGE FORM COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL CRIME COVERAGE PART COMMERCIAL EXCESS/UMBRELLA LIABILITY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN PROTECTION COVERAGE FORM ERRORS AND OMISSIONS COVERAGE FORM GARAGE COVERAGE FORM LIQUOR LIABILITY COVERAGE PART MOTOR CARRIER COVERAGE FORM OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS-COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART

No coverage is provided by this endorsement nor can it be construed to replace any provisions of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided.

This endorsement provides information concerning possible impact on your insurance coverage due to directives issued by OFAC. Please read this endorsement carefully.

The Office of Foreign Assets Control (OFAC) administers and enforces sanctions policy, based on Presidential declarations of "national emergency". OFAC has identified and listed numerous:

Foreign agents;

Front organizations;

Terrorists;

Terrorist organizations; and

Narcotics traffickers;

as "Specially Designated Nationals and Blocked Persons". This list can be located on the United States Treasury's web site – http//www.treas.gov/ofac.

In accordance with OFAC regulations, if it is determined that you or any other insured, or any person or entity claiming the benefits of this insurance has violated U.S. sanctions law or is a Specially Designated National and Blocked Person, as identified by OFAC, this insurance will be considered a blocked or frozen contract and all provisions of this insurance are immediately subject to OFAC. When an insurance policy is considered to be such a blocked or frozen contract, no payments nor premium refunds may be made without authorization from OFAC. Other limitations on the premiums and payments also apply.

Includes copyrighted material of Insurance Services Office, Inc., with its permission.

Page 1 of 1IL 70 89 01 22

80 3297 N 04 23

CALIFORNIA NOTICE - EXPLANATION OF WILDFIRE RISK CLASSIFICATION

Refer to Key to Understanding Exhibit A for an explanation of the mitigation measures. Refer to Exhibit A for your listing of Location(s) of “Building Being Evaluated”.

A. Your Wildfire Risk Mitigation Classification In response to Cal. Code Regs. § 2644.9. Consideration of Mitigation Factors; Wildfire Risk Models, we are notifying you that: 1. With respect to your policy premium as an existing customer of ours, or your quotation of insurance

premium as an applicant to us, they, in part, reflect our classification(s) of a wildfire mitigation characteristic(s) associated with the “Building Being Evaluated”; and

2. Such classification(s) includes an evaluation of the Community-level Mitigation Designations and Property-level Mitigation Efforts identified in Paragraphs B. and C. below used by us as part of our premium determination process including:

a. The range of such classifications that could possibly be assigned to you;

b. The relative position of the classification assigned to you within that range of possible classifications, and the impact of the classification on the premium; and

c. An explanation of why you received the assigned classification.

3. We also provide you with:

a. Which mitigation measure or measures can be taken by you to lower the wildfire risk classification;

b. The amount of premium reduction you would realize as a result of performing each such measure under our rating plan that is in effect at the time; and

c. The factor applied with the rating algorithm to each specific measure applicable to the “Building Being Evaluated”.

If you disagree with any classification, you have the right to appeal (refer to Paragraphs D. and E. below).

B. Community-level Mitigation Designations The “Building Being Evaluated” is situated in a Fire Risk Reduction Community listed by the Board of Forestry pursuant to Public Resources Code Section 4290.1 or “Firewise USA Site in Good Standing”.

C. Property-level Mitigation Efforts 1. Measures Addressing The Immediate Surrounds Of the “Building Being Evaluated”

a. Clearing of vegetation and debris from under decks.

b. Clearing of vegetation, debris, mulch, stored combustible materials, and any and all movable combustible objects, from the area within five (5) feet of the “Building Being Evaluated”.

c. Incorporation of only noncombustible materials into that portion of any improvements to the property on which the “Building Being Evaluated” is located, including fences and gates, which is situated within five (5) feet of the “Building Being Evaluated”.

d. Removal or absence of combustible structures, including sheds and other outbuildings, from the area within thirty (30) feet of the “Building Being Evaluated” or, in the event that you do not control the entirety of the area extending thirty feet from the “Building Being Evaluated”, removal of combustible structures from as much of such area as is under your control.

Includes copyrighted material of Insurance Services Office, Inc., with its permission

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Sentry Insurance a Mutual Company 00003 0000000000 24235 0 N1 6f41af12-3b7c-4c13-81b1-494b104d896e6f41af12-3b7c-4c13-81b1-494b104d896e 0027020044376986022333172122625

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Sentry Insurance a Mutual Company

e. Whether the property upon which the “Building Being Evaluated” is situated complies with Section 4291 of the Public Resources Code, and any applicable local ordinances, governing defensible space.

f. In the event Property-level Mitigation Efforts described in Paragraphs C.1.a., b. and c. have been completed and are present at the same time for the “Building Being Evaluated”, this combination of mitigation efforts will be considered an individual mitigation effort and an additional premium credit will be provided. If any of the Property-level Mitigation Efforts in Paragraphs C.1.a., b. and c. have not been completed, or they are not present at the same time, no credit will be provided.

g. In the event you do not control the entirety of the area extending thirty (30) feet from the “Building Being Evaluated” and the Property-level Mitigation Efforts described in Paragraphs C.1.a., b., c. and d. have been completed and are present at the same time for the “Building Being Evaluated”, this combination of mitigation efforts will be considered an individual mitigation effort and an additional premium credit will be provided. If you do not control the entirety of the area extending thirty (30) feet from the “Building Being Evaluated”, or any of the Property-level Mitigation Efforts in Paragraphs C.1.a., b., c. and d. have not been completed, or they are not present at the same time, no credit will be provided.

Note: In the event that items C.1.f. and C.1.g above have been completed and are present at the same time for the “Building Being Evaluated”, both additional credits are applicable.

2. Building Hardening Measures The “Building Being Evaluated” has: a. “Class-A Fire Rated Roof”.

b. “Enclosed Eaves”.

c. “Fire-Resistant Vents”.

d. Multipaned windows, including dual pane windows, or functional shutters, which when closed, cover the entire window and do not have openings.

e. At least six (6) inches of noncombustible vertical clearance at the bottom of the exterior surface of the building, measured from the ground up.

f. In the event the Property-level Mitigation Effort discussed in Paragraph C.1.g. and the Building Hardening Measure described in Paragraph C.2.e. have been completed and are present at the same time for the “Building Being Evaluated”, this combination of mitigation efforts will be considered an individual mitigation effort and an additional premium credit will be provided. If the Property-level Mitigation Effort discussed in Paragraph C.1.g. and the Building Hardening Measure described in Paragraph C.2.e. have not been completed, or they are not present at the same time, no credit will be provided.

g. In the event the Property-level Mitigation Effort discussed in Paragraph C.1.g., the Building Hardening Measure described in Paragraph C.2.e., and the entire vertical clearance of the exterior surface of the building is noncombustible from the ground up have been completed and are present at the same time for the “Building Being Evaluated”, this combination of mitigation efforts will be considered an individual mitigation effort and an additional premium credit will be provided. If the Property-level Mitigation Effort discussed in Paragraph C.1.g., the Building Hardening Measure described in Paragraph C.2.e., and the entire vertical clearance of the exterior surface of the building being noncombustible from the ground up have not been completed, or they are not present at the same time, no credit will be provided.

Note: In the event that items C.2.f. and C.2.g above have been completed and are present at the same time for the “Building Being Evaluated”, both additional credits are applicable.

D. Your Right to Appeal If you disagree with the assignment of a wildfire risk classification, you have the right to appeal orally or in writing that the assignment directly to us. If you appeal a wildfire risk classification, we are required to acknowledge receipt of your appeal in writing. We are required to respond to the appeal in writing with a reconsideration and decision after receiving the appeal. In the event that your appeal is denied, we are required to, upon request by the California Department of Insurance (Department), forward a copy of your appeal, and our response, to the Department.

Includes copyrighted material of Insurance Services Office, Inc., with its permission

00003 0000000000 24235 0 N2 6f41af12-3b7c-4c13-81b1-494b104d896e6f41af12-3b7c-4c13-81b1-494b104d896e 0027020044376986022333172122625

E. Representation By Agent Or Broker If you are represented by an agent or broker, or we are represented by an agent with respect to your policy or your application, you may appeal orally or in writing to the agent or broker the assignment of wildfire mitigation characteristics(s), who should forward that appeal to us after receiving the appeal from you. We are required to acknowledge receipt of your appeal in writing to you and the agent or broker after receipt of the appeal from the agent or broker. We are required to respond to your appeal to you and the agent or broker with a written reconsideration and decision of the appeal after receiving your appeal from the agent or broker. If your appeal is denied, we are required to, upon request by the Department, forward a copy of your appeal, and our response, to the Department.

F. Definitions 1. “Building Being Evaluated” means the residential or commercial structure in question and includes decks

that are attached to or abut the structure. 2. “Class-A Fire Rated Roof” has the same meaning as in the Chapter 7A California Building Code (2019) as

modified by the July 2021 supplement thereto, codified at Section 705A.1 of Part 2 of Title 24.

3. “Enclosed Eaves” are roof eaves that have either (1) boxed-in roof eave soffits with a horizontal underside or (2) an exterior covering applied to the underside of the rafter tails supporting the eaves, which covering is sloped corresponding to the slope of the rafter tails. Enclosed Eaves are thus distinguishable from open roof eaves, whose rafter tails are exposed.

4. “Fire-Resistive Vents” has the same meaning as in the Chapter 7A California Building Code (2019) as modified by the July 2021 supplement thereto, codified at Sections 706A.1 and 706A.2 of Part 2 of Title 24.

5. “Firewise USA Site in Good Standing” is a community that, at the time the “Building Being Evaluated” is rated, is recognized as such by the National Fire Protection Association, a Massachusetts 501(c)(3) corporation.

It is important to understand that we do not use a Wildfire Risk Score in determining any rate or premium associated with your policy. Therefore, no Wildfire Risk Score is provided in conjunction with this notice.

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80 3297 K 04 23

CALIFORNIA NOTICE - EXPLANATION OF WILDFIRE RISK CLASSIFICATION -

KEY TO UNDERSTANDING EXHIBIT A

The following will be the reason given for how each factor is applied to each mitigation measure:

1 =Verified by inspection, means the “Building Being Evaluated” has had a past inspection report indicating the mitigation measure has been completed.

2 =Unverifiable by inspection, means mitigation measure(s) were not indicated in a past inspection report for the “Building Being Evaluated”.

3 =Substantiated by third-party vendor, means we were able to obtain information from a third-party vendor that mitigation measure(s) have been taken for the “Building Being Evaluated”.

4 =Unsubstantiated by third-party vendor, means we were not able to obtain information from a third-party vendor that mitigation measure(s) have been taken for the “Building Being Evaluated”.

*Per guidance from California Department of Insurance, if a mitigation factor does not apply to the “Building Being Evaluated” it will not be eligible to receive the factor.

The following KEY will correlate to the Mitigation Designations and the Mitigation Factors applied in Exhibit A:

Premise information required to complete the Schedule of Location(s) of “Building Being Evaluated” will be shown in Exhibit A or you can refer to the Declarations.

B. Community-level Mitigation Designations

The "Building Being Evaluated" is situated in a Fire Risk Reduction Community listed by the Board of Forestry pursuant to Public Resources Code Section 4290.1 or "Firewise USA Site in Good Standing".

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C. Property-level Wildfire Mitigation Efforts

1. Measures Addressing the Immediate Surroundings of the “Building Being Evaluated”

a. Clearing of vegetation and debris from under decks.

b. Clearing of vegetation, debris, mulch, stored combustible materials, and any and all movable combustible objects, from the area within five (5) feet of the “Building Being Evaluated”.

d. Removal of absence of combustible structures, including sheds and other outbuildings, from the area within thirty (30) feet of the “Building Being Evaluated” or, in the event that you do not control the entirety of the area extending thirty feet from the “Building Being Evaluated”, removal of combustible structures from as much of such area as is under your control.

f. In the event Property-level Mitigation Efforts described in Paragraphs C.1.a., b. and c. have been completed and are present at the same time for the “Building Being Evaluated”, this combination of mitigation efforts will be considered an individual mitigation effort and an additional premium credit will be provided. If any of the Property-level Mitigation Efforts in Paragraphs C.1.a., b. and c. have not been completed, or they are no present at the same time, no credit will be provided.

C. Property-level Wildfire Mitigation

2. Building Hardening Measures

The “Building Being Evaluated” has: a. “Class-A Fire Rated Roof”.

b. “Enclosed Eaves”.

c. “Fire-Resistant Vents”.

d. Multipaned windows, including dual pane windows, or functional shutters, which when closed, cover the entire window and do not have openings.

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Sentry Insurance a Mutual Company 00003 0000000000 24235 0 N2 b84159ac-4776-4c8f-b176-56681d8db3f8b84159ac-4776-4c8f-b176-56681d8db3f8 0027020044376986022333172122625

e. At least six (6) inches of noncombustible vertical clearance at the bottom of the exterior surface of the building, measured from the ground up.

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Sentry Insurance a Mutual Company 00003 0000000000 24235 0 N3 b84159ac-4776-4c8f-b176-56681d8db3f8b84159ac-4776-4c8f-b176-56681d8db3f8 0027020044376986022333172122625

80 3297 A 04 23

CALIFORNIA NOTICE - EXPLANATION OF WILDFIRE CLASSIFICATION -

EXHIBIT A

Please refer to CALIFORNIA NOTICE – EXPLANATION OF WILDFIRE RISK CLASSIFICATION – KEY TO UNDERSTANDING EXHIBIT A, for guidance on how to interpret the Mitigation Factors and Reasons shown below.

Location: 2 Building: 2 Address: 5330 W 102nd St Los Angeles, CA 90045

Mitigation Designation

Your Mitigation Rating Credit Factor Applied

Maximum Annual Estimated Premium Reduction Available

Your Annual Estimated Premium Reduction

Reason Given For Mitigation You Received

Maximum Mitigation Rating Credit Available

B 0.020 0.015 1.00 1.00 3 C.1.a. 0.005 0.000 0.00 0.00 4 C.1.b. 0.005 0.000 0.00 0.00 4 C.1.c. 0.005 0.000 0.00 0.00 4 C.1.d. 0.005 0.005 0.00 0.00 3 C.1.e. 0.030 0.000 2.00 0.00 4 C.1.f. 0.010 0.000 1.00 0.00 4 C.1.g. 0.050 0.000 3.00 0.00 4 C.2.a. 0.050 0.000 3.00 0.00 4 C.2.b. 0.005 0.000 0.00 0.00 4 C.2.c. 0.005 0.000 0.00 0.00 4 C.2.d. 0.005 0.000 0.00 0.00 4 C.2.e. 0.005 0.000 0.00 0.00 4 C.2.f. 0.015 0.000 1.00 0.00 4 C.2.g. 0.005 0.000 0.00 0.00 2 Summary: 0.220 0.020 $11.00 $1.00

Maximum Annual Estimated Premium Reduction Available Your Estimated Annual Realized Premium Reduction

Mitigation Policy Summary:

$11.00

$1.00

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Sentry Insurance a Mutual Company 00001 0000000000 24235 0 N1 63494ab5-c2ae-4941-9fd5-127ccf1ea4d363494ab5-c2ae-4941-9fd5-127ccf1ea4d3 0027020044376986022333172122625

A0254250 Sentry Insurance a Mutual Company

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Page 1 of 180 1826 01 21

Important Information Regarding Your Policy

Name Change and Membership Rights Changing

Dear Sentry Insurance a Mutual Company policyholder,

We value our relationship with you and want to keep you up to date regarding changes to our

corporate structure and resulting changes to your policy.

Effective January 1, 2021, Sentry Insurance a Mutual Company successfully finalized its conversion to

a mutual insurance holding company structure. As part of the conversion, Sentry Insurance a Mutual

Company changed its name to Sentry Insurance Company and also formed a new parent holding

company known as Sentry Mutual Holding Company. With this conversion, your membership rights

have been transferred to Sentry Mutual Holding Company, the newly formed parent company of

Sentry Insurance Company.

These changes will be reflected on your policy documents by way of endorsements formalizing the

changes. We’ll inform you of these changes again when they go into effect in your state. Please note

that you may continue to see references to Sentry Insurance a Mutual Company in policy documents

or communications from us for a period of time as we work with our regulators to formalize the name

change in all states.

We’ll continue to operate under the principles and culture of a mutual company. This change will have

no impact on our coverages, premiums, claims handling, or anything related to our customer

experience. You'll continue receiving the same great customer service you've come to expect from us.

If you have questions, we’re here to help. Please call 855-244-0114.

Thank you.

A0254250 Sentry Insurance a Mutual Company

08/22/2024

00270200443769860222331721226259c84c9d7-fe08-4009-9cb5-d9bd5a3ce7f9

COMMERCIAL PROPERTY

80 1849 01 23

HORTICA PROPERTY CONVERSION ADVISORY NOTICE TO POLICYHOLDERS

This Notice, which summarizes the major changes in your Commercial Property insurance, does not form part of your policy. No coverage is provided by this Notice nor can it be construed to replace any provision of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. If there is any conflict between the Policy and this Notice, THE PROVISIONS OF THE POLICY SHALL PREVAIL.

This Notice references several Coverage Forms and Endorsements which may or may not be applicable to your particular policy. Refer to your Declarations page for Coverage Forms and Endorsements applicable to your Policy. This Notice does not reference every editorial change made in your policy.

Your old Property Policy Forms BP-I, BP-BI, BP-HA, and BP-BIE (along with other Hortica Company forms) have been replaced by new Property Policy Forms CP 83 00, CP 83 01, CP 83 02, and CP 83 03; and ISO and Sentry Company forms. If applicable - your old HortAdvantageHome (HAH) forms with FP designations have been replaced by CP 83 10, CP 83 11, CP 83 12, CP 83 14, and CP 83 15 forms which are virtually identical to the prior FP forms.

We are notifying you of possible coverage changes to your policy. These changes are due to the conversion of Hortica property policies over to our new input, rating, form, accounting, and processing systems.

POTENTIAL BROADENING OF COVERAGE

The new HortAdvantage CP 83 00 offers the following potential coverage enhancements compared to the old HortAdvantage BP-HA:

CP 83 00 has a basic Direct Loss Blanket Limit of $300,000 with options to increase limit to $500,000; $750,000; or $1,000,000 compared to Old Blanket limit of $250,000.

Fine Arts unscheduled individual items increased from $1,000 to $10,000 limit.

Floral Holiday Increase for Business Personal Property increased from 33% to 50%.

Floral Holiday for Crime - $50,000 Crime Blanket limit vs a 25% increase in low individual Crime Coverage limits.

Crime Blanket limit of $50,000 per occurrence for Employee Theft, Forgery/Alteration, Money & Securities, Computer Transfer and Fraud Coverage, Money Orders/Counterfeit Money, and Unauthorized Business Card Use included vs small individual limits.

Fraudulent Impersonation Coverage for $5,000 with $1,000 deductible vs not offered previously.

Sewer and Drain Back Up basic limit increased from $15,000 to $25,000.

Brands/Label Limit is $50,000 increased from $25,000 limit.

Newly Acquired/Constructed Non-Greenhouse Structure basic limit increased to $1,500,000 vs old $500,000.

Salesmen samples off-premises and in transit basic limit increased from $5,000 to $25,000.

In Transit per vehicle basic limit increased from $15,000 to $50,000.

Exhibition/Fairs/Trade Shows off-premises coverage added for a basic limit of $100,000.

Property at Unnamed (unlisted) Premises coverage with a basic limit of $500,000.

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Property premises coverage is extended to 1500 feet within a listed premises/building.

Contract Penalties limit of $10,000.

Claim Preparation Expenses in the Direct Loss Blanket Limit ($300,000 basic limit).

Processing water is included in Covered Property.

Coinsurance condition waived on Property Claims of $10,000 or less.

Lessors Move Back Expenses included the Direct Loss Blanket Limit ($300,000 basic limit).

Underground Pipes, Flues, and Drains covered in the Direct Loss Blanket Limit ($300,000 basic limit).

False Pretense Coverage for $5,000 limit for trial and demonstration purposes.

Leasehold Interest Coverage for Undamaged Improvements and Betterments in Direct Loss Blanket Limit ($300,000 basic limit).

Non-prepackaged Software basic limit increased from $2,500 to $15,000.

Business Income Civil Authority days limit from 28 to 30 days.

Business Income Extended Business Income Coverage basic limit is increased from 60 to 180 days.

Business Income Interruption of Computer Operations limit increased from $10,000 to $25,000.

Interruption of Delivery operations removal of $5,000 each occurrence limit- only a $10,000 Aggregate Limit.

Business Income from Newly Acquired Operations for non-greenhouse buildings increased from $100,000 to $500,000.

Now offers ERISA coverage via Crime policy to protect Employee Benefit programs

Crime Coverages not previously open to Hortica are now open for use.

POTENTIAL COVERAGE REDUCTION

The new HortAdvantage CP 83 00 has the following potential reductions in coverage compared to the old HortAdvantage BP-HA:

Accounts Receivable was part of a $250,000 Blanket Limit- it is now part of the Indirect Loss Blanket Limit of $100,000.

50% and Flat Physical Damage Coinsurance options will no longer be offered.

Waiving the Coinsurance Condition (Agreed Value) is no longer written into basic Coverage forms. It must be selected and will be charged for (5% of item’s premium).

Crime Coverages under old BP-HA HortAdvantage had no or $250 deductibles whereas new CP 83 00 HortAdvantage has $1,000 deductibles for Crime coverages.

OTHER CHANGES – UNDETERMINABLE IF A BROADENING OR REDUCTION IN COVERAGE

The new HortAdvantage CP 83 00 offers Coverages which cannot be readily determined to be either an

enhancement or reduction in coverage from the old HortAdvantage BP-HA:

80 1849 01 23Page 2 of 3

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Old HortAdvantage BP-HA has numerous deductibles specific to some select coverages in the BP-HA. With the vast majority of these coverages the new HortAdvantage does not have a specific deductible associated with the coverage - only a policy level, per occurrence, All Other Perils (AOP) deductible. If the specific HortAdvantage coverage is the only coverage impacted- then this would be a reduction in coverage as the old HortAdvantage deductible would be lower than the AOP deductible. However if other coverages (non-HortAdvantage or HortAdvantage) are affected/damaged- then this would be a coverage enhancement as the AOP deductible would apply only once to the per occurrence loss. This would have the effect of not applying any coverage specific deductible to the HortAdvantage coverage. These HortAdvantage Coverages are: Utility Services Direct Damage; Loss of Heating and Cooling (non-Equipment Breakdown); Temporary Refrigeration Units; Back Up of Sewers and Drains; Installation Floater; Property on Consignment; Salesperson Samples; Tenant Lease Assessments; and Per Vehicle Transit coverage.

Prior percentages Real Property (10% basic) and Business Personal Property (25% basic) extensions that applied to the limits shown in the Dec were replaced by the Direct Loss Blanket Limit ($300,000 basic limit). Both the percentages and Direct Loss Blanket Limits are increasable to a certain extent. Depending upon building and business personal property limits shown in the Dec and percentages selected- that extension coverage maybe less/same/more than coverage provided by the Direct Loss Blanket Limit selected in the new HortAdvantage.

Previous E-Commerce coverages are incorporated in the standard ISO Business Income forms with same type of coverages. No substantive differences between the old Hortica vs new Hortica coverage.

Hortica’s Automatic Increase in Insurance based on Cost Index will no longer be applied to property limits. It will be replaced by ISO’s Inflation Guard percentage. Inflation Guard is used to increase the item’s limit throughout the policy year by the selected Inflation Guard percentage. At renewal a separate roll up percentage will used to increase the limits for the upcoming renewal.

OTHER CHANGES - PREMIUM NEUTRAL

Plants damaged/destroyed during their growth cycle by a Covered Cause of Loss were valuated through the Business Income BP-BI using a ‘Future Earnings’ concept. Going forward with the new HortAdvantage CP 83 00 the loss will be valuated as Physical Damage to growing stock. The valuation of stock not yet reaching maturity will be valuated at its cost at maturity (end of growth cycle).

Data Processing equipment and computers; and Mobile Equipment will not be scheduled as much as in the past. Data Processing equipment and computers; and Mobile Equipment will instead become a part of the location’s Your Business Personal Property limit.

Seasonal Coverage Limits will no longer be used. We will use ISO’s Peak Season Limit of Insurance endorsement. The Business Personal Property Limits displayed in the Declarations will be the basic (lowest value of the12 months of the policy) limit. This limit will be increased by the limit for the stated time period as shown in the endorsement.

NEW FORMS

HortAdvantage Property Coverage Endorsement - CP 83 00 01 22 - Mandatory form. Provides additional coverages and extensions to existing coverage with many provisions aimed at the Horticultural market.

Changes Endorsement - CP 83 01 01 22 - Mandatory form. Clarifies coverage intent for some Horticultural coverages.

Equipment Breakdown Coverage Form - CP 83 02 01 22 - Mandatory form. Provides equipment breakdown coverage along with spoilage and refrigerant contamination coverage resulting from an equipment breakdown.

Actual Loss Sustained Business Income Endorsement - CP 83 03 01 22 - Optional form. Changes business income limits from stated $ amounts to actual loss sustained for a selected number of months of coverage.

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Important Notice to Florida Policyholders Regarding Your Property Coverage Catastrophic Ground Cover Collapse

versus Sinkhole Loss Coverages

This policyholder notice does not provide any coverage, nor can it be construed to replace any provision of your policy. Please review your policy carefully. If there is any conflict between the policy and this notice- the provisions of the policy shall prevail.

Enacted FL 2007 House 1A requires that all Florida Commercial property policies carry one of the two following coverages- the newly created Catastrophic Ground Cover Collapse (CGCC) coverage; or the broader Sinkhole Loss coverage.

Catastrophic Ground Cover Collapse means- geological activity that results in all of the following: 1) The abrupt collapse of ground cover; 2) A depression in the ground cover clearly visible to naked eye; 3) Structural damage to the building, including the foundation; and 4) The insured structure being condemned and ordered vacated by the governmental agency authorized by law to issue such an order for that structure.

Sinkhole Loss means- loss of, or damage to Covered Property when structural damage to a building (including foundation) is caused by settlement or systematic weakening of the earth supporting the building. Such settlement or systematic weakening must result from the movement or raveling of soils, sediments, or rock materials into subterranean voids created by the effect of water on a limestone or similar rock formation for this peril to be covered.

Currently-

Your policy provides coverage for a Catastrophic Ground Cover Collapse that results in the property being condemned and uninhabitable, otherwise, your policy does not provide coverage for Sinkhole Losses. You may purchase additional coverage for Sinkhole Losses for an additional premium. You will continue to receive Catastrophic Ground Cover Collapse on subsequent renewal policies- until such a time we receive a request from you in writing to change your coverage to Sinkhole Loss.

If you have any questions regarding this coverage - please contact your sales representative.

00001 0000000000 24235 0 N1 ceeb3801-739a-4e61-b8c3-e168cd138212ceeb3801-739a-4e61-b8c3-e168cd138212 0027020044376986022333172122625

COMMERCIAL PROPERTY COVERAGE DECLARATIONS

POLICY NUMBER: A0254250001

Sentry Insurance a Mutual Company (A Participating Mutual Company) A member of the Sentry Insurance Group 1800 North Point Drive Stevens Point, WI 54481

Agency

Vosters Insurance Inc 1310 NW Lakeside Trail Stuart, FL 34994 Agency Code 1182999

THIS POLICY IS NON-ASSESSABLE.

POLICY INFORMATION First Named Insured: Colour Republic LLC Address: 8901 NW 33rd St Ste 100

Doral, FL 33172-1226

The Commercial Property Coverage applies from 08/27/2024 to 08/27/2025 at 12:01 A.M. Standard Time at the First Named Insured's mailing address shown above.

Additional Interests The persons or organizations listed as Additional Interests, in the Additional Interests Supplemental Schedule, are included as loss payees, lenders loss payees, mortgagees, or additional insureds, but only for the coverages and to the extent of their interest as indicated.

Applicable Forms And Endorsements In addition to the common policy forms and endorsements, the following forms and endorsements apply to the Commercial Property Coverage:

Form/Endorsement Form/Endorsement Title Number and Edition Date CP 00 10 06 07 Building And Personal Property Coverage Form CP 00 10 10 12 Building And Personal Property Coverage Form CP 00 30 06 07 Business Income (And Extra Expense) Coverage Form CP 00 30 10 12 Business Income (And Extra Expense) Coverage Form CP 00 90 07 88 Commercial Property Conditions CP 01 25 02 23 Florida Changes CP 01 40 07 06 Exclusion Of Loss Due To Virus Or Bacteria CP 10 30 09 17 Causes Of Loss - Special Form CP 10 30 06 07 Causes Of Loss - Special Form CP 10 32 08 08 Water Exclusion Endorsement CP 12 18 10 12 Loss Payable Provisions CP 12 18 06 07 Loss Payable Provisions CP 12 30 06 95 Peak Season Limit Of Insurance CP 14 20 07 88 Additional Property Not Covered CP 89 01 10 14 Page 1 of 6

08/22/2024A0254250 Sentry Insurance a Mutual Company

00003 0000000000 24235 0 N1 b271da1d-c851-4f62-9d35-80eca8d13e47b271da1d-c851-4f62-9d35-80eca8d13e47 0027020044376986022333172122625

POLICY NUMBER: A0254250001

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Form/Endorsement Form/Endorsement Title Number and Edition Date CP 70 23 10 01 Personal Property Leased CP 70 27 06 95 Agreed Value CP 70 56 09 21 Windstorm Or Hail Percentage Deductible CP 83 00 10 23 Florida - HortAdvantage Property Coverage Endorsement CP 83 01 01 22 Changes Endorsement CP 83 02 01 22 Equipment Breakdown Coverage Endorsement IL 01 75 09 07 Florida Changes - Legal Action Against Us IL 02 55 03 24 Florida Changes - Cancellation And Nonrenewal IL 09 35 07 02 Exclusion Of Certain Computer-Related Losses IL 09 52 01 15 Cap On Losses From Certified Acts Of Terrorism IL 09 85 12 20 Disclosure Pursuant To Terrorism Risk Insurance Act IL 70 11 10 12 Coverage Extension - Theft Damage To Buildings IL 70 11 11 89 Coverage Extension - Theft Damage To Buildings IL 70 26 10 98 Multiple Line Occurrence Deductible

COVERAGES

PREMISES NO.: 2 BUILDING NO.: 2 DESCRIPTION: A

5330 W 102nd St, Los Angeles, CA 90045-6021

Limit of Coinsurance

Covered Causes Of LossInsuranceCoverage Deductible

Your Business Personal Property

90%$694,400 Special Including Theft Equipment Breakdown

$5,000

Optional Coverages

Inflation Guard 8% Replacement Cost

Coinsurance Limit of Insurance

Covered Causes Of LossCoverage

Business Income (And Extra Expense) Coverage: Other Than Rental Value

Blanket 1 See Blanket Limits

Schedule

Special Including Theft Equipment Breakdown

90%

Optional Coverages Extended Period of Indemnity 180 days

PREMISES NO.: 3 BUILDING NO.: 1 DESCRIPTION: A

8901 NW 33rd St Ste 100, Doral, FL 33172-1226

Limit of Coinsurance

Covered Causes Of LossInsuranceCoverage Deductible

Your Business Personal Property

90%$6,348,500 Special Including Theft Equipment Breakdown

$5,000

POLICY NUMBER: A0254250001

CP 89 01 10 14 Page 3 of 6 08/22/2024A0254250

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COVERAGES

Optional Coverages

Inflation Guard 8% Replacement Cost

Coinsurance Limit of Insurance

Covered Causes Of LossCoverage

Business Income (And Extra Expense) Coverage: Other Than Rental Value

Blanket 1 See Blanket Limits

Schedule

Special Including Theft Equipment Breakdown

90%

Optional Coverages Extended Period of Indemnity 180 days

PREMISES NO.: 3 BUILDING NO.: 2 DESCRIPTION: E

8901 NW 33rd St Ste 100, Doral, FL 33172-1226

Limit of Coinsurance

Covered Causes Of LossInsuranceCoverage Deductible

Building 100%$52,000 $5,000Special Including Theft Equipment Breakdown

Optional Coverages

Inflation Guard 8% Agreed Value Replacement Cost

Coinsurance Limit of Insurance

Covered Causes Of LossCoverage

Business Income (And Extra Expense) Coverage: Other Than Rental Value

Blanket 1 See Blanket Limits

Schedule

Special Including Theft Equipment Breakdown

90%

Optional Coverages Extended Period of Indemnity 180 days

PREMISES NO.: 3 BUILDING NO.: 3 DESCRIPTION: F - OFFICE

8901 NW 33rd St Ste 100, Doral, FL 33172-1226

Limit of Coinsurance

Covered Causes Of LossInsuranceCoverage Deductible

Building 100%$68,000 $5,000Special Including Theft Equipment Breakdown

POLICY NUMBER: A0254250001

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COVERAGES

Optional Coverages

Inflation Guard 8% Agreed Value Replacement Cost

Coinsurance Limit of Insurance

Covered Causes Of LossCoverage

Business Income (And Extra Expense) Coverage: Other Than Rental Value

Blanket 1 See Blanket Limits

Schedule

Special Including Theft Equipment Breakdown

90%

Optional Coverages Extended Period of Indemnity 180 days

PREMISES NO.: 8 BUILDING NO.: 1 DESCRIPTION: A

2560 W Orange Blossom Trl, Apopka, FL 32712-4221

Limit of Coinsurance

Covered Causes Of LossInsuranceCoverage Deductible

Your Business Personal Property

90%$429,900 Special Including Theft Equipment Breakdown

$5,000

Optional Coverages

Inflation Guard 8% Replacement Cost

Coinsurance Limit of Insurance

Covered Causes Of LossCoverage

Business Income (And Extra Expense) Coverage: Other Than Rental Value

Blanket 1 See Blanket Limits

Schedule

Special Including Theft Equipment Breakdown

90%

Optional Coverages Extended Period of Indemnity 180 days

BLANKET LIMITS SCHEDULE Blanket No. Blanket Limit of Insurance 1 $2,868,000

COMMERCIAL PROPERTY POLICY OPTIONAL COVERAGES

Peak Season Schedule Premises

No. Building

No. Covered Property

Additional Limit of Insurance

Period From To

2 2 Personal Property $661,600 January 2 2 Personal Property $661,600 February 2 2 Personal Property $661,600 April 2 2 Personal Property $661,600 May

POLICY NUMBER: A0254250001

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Sentry Insurance a Mutual Company 00003 0000000000 24235 0 N5 b271da1d-c851-4f62-9d35-80eca8d13e47b271da1d-c851-4f62-9d35-80eca8d13e47 0027020044376986022333172122625

COMMERCIAL PROPERTY POLICY OPTIONAL COVERAGES 3 1 Personal Property $1,786,500 January 3 1 Personal Property $1,786,500 February 3 1 Personal Property $1,786,500 April 3 1 Personal Property $1,786,500 May 8 1 Personal Property $264,450 January 8 1 Personal Property $264,450 February 8 1 Personal Property $264,450 April 8 1 Personal Property $264,450 May

HortAdvantage Endorsement

Direct Loss Blanket Limit $300,000 Per building per occurrence Indirect Loss Blanket Limit $100,000 Per building per occurrence Crime Loss Blanket Limit $50,000 Per occurrence

Windstorm or Hail Limit for Container Grown Plants in the Open $ 0

HortAdvantage Endorsement Increased Limits Schedule The following limits of insurance replace any limits specified in the HortAdvantage endorsement. If the HortAdvantage coverage endorsement specifies that the Direct Loss Blanket Limit or the Indirect Loss Blanket Limit applies to any of the following coverages, the limit in the Schedule below is in addition to any insurance apportioned under the Direct Loss Blanket Limit or the Indirect Loss Blanket Limit.

The following limits apply to covered property that is not at a premise listed in the Description of Premises:

Property at any unlisted Location not at a Job Site $ 500,000 Property in Transit in any one vehicle or vessel $ 50,000 Property in the custody of an Agent, Employee, Messenger, or Salesperson $ 25,000 Property at any one fair, trade show, or exhibition $ 100,000 Property at Any One Job Site $ 50,000

Windstorm or Hail Percentage Deductible Endorsement For loss or damage arising out of windstorm or hail, to the extent covered under this policy, the following deductibles replace the deductibles described elsewhere in this declaration:

Premises No.

Building No.

Wind or Hail Deductible Percentage

3 1 5% 3 2 5% 3 3 5% 8 1 5%

Additional Property Not Covered Endorsement Premises No.

Building No.

Description of Property Not Covered

2 2 CONTAINER GROWN PLANTS IN THE OPEN AT LOCATION 2 3 1 CONTAINER GROWN PLANTS IN THE OPEN AT LOCATION 3 3 2 CONTAINER GROWN PLANTS IN THE OPEN AT LOCATION 3 3 3 CONTAINER GROWN PLANTS IN THE OPEN AT LOCATION 3 8 1 CONTAINER GROWN PLANTS IN THE OPEN AT LOCATION 8

POLICY NUMBER: A0254250001

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COMMERCIAL PROPERTY POLICY OPTIONAL COVERAGES

Countersignature Of Authorized Representative

Name: Title: Signature: Date:

POLICY NUMBER: A0254250001

ADDITIONAL INTEREST - SUPPLEMENTAL SCHEDULE

The following persons or organizations are included as Additional Interests, but only to the extent provided in the listed endorsement:

Additional Interest Prem.# Bldg.# Coverage Interest* Endorsement Number

Bank of America NA ISAOA ATIMA 2 2 1 Bryant Park New York, NY 10036-6728

Personal Property CP 12 18 10 12LLP

Bank of America NA ISAOA ATIMA 3 2 1 Bryant Park New York, NY 10036-6728

Building Coverage CP 12 18 06 07LLP

Suntrust Equipment Finance & Leasing Corp ISAOA

3 1

PO Box 4418 Atlanta, GA 30302-4418

Personal Property CP 12 18 06 07LLP

US Bank Equipment Finance 3 1 1310 Madrid St Ste 100 Marshall, MN 56258-4001

Personal Property CP 12 18 06 07LLP

Wells Fargo Bank NA ISAOA 3 1 PO Box 2705 Winston Salem, NC 27102-2705

Personal Property CP 12 18 06 07LLP

Wells Fargo Equipment Finance Inc ISAOA

3 1

MAC S3928-034 2700 S Price Rd 3rd Fl Chandler, AZ 85286-7804

Personal Property CP 12 18 06 07LLP

Trade Audio Corporation 3 1 4609 SW 71st Ave Miami, FL 33155-4619

Personal Property CP 12 18 06 07LP

Wells Fargo Finance Inc ISAOA 3 1 MAC S3928-034 2700 S Price Rd 3rd Fl Chandler, AZ 85286-7804

Personal Property CP 12 18 06 07LP

*Interest Descriptions

As used in this Supplemental Schedule: “AI” means Additional Insured; “LP” means Loss Payee; “LLP" means Lenders Loss Payable; “Mort’” means Mortgage holder; “CSC” means Contract Of Sale Clause; “BLP” means Building Owners Loss Payable Clause

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Sentry Insurance a Mutual Company 00001 0000000000 24235 0 N1 e3d9b24e-703b-4393-a19b-33ee771f80b9e3d9b24e-703b-4393-a19b-33ee771f80b9 0027020044376986022333172122625

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COMMERCIAL PROPERTY

CP 00 10 06 07

BUILDING AND PERSONAL PROPERTY COVERAGE FORM

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 Section H., 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 any Covered Cause of Loss.

1. Covered Property

Covered Property, as used in this Coverage Part, means the type of property described in this section, A.1., and limited in 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 structure described in the Declarations, including:

(1) Completed additions;

(2) Fixtures, including outdoor fixtures;

(3) Permanently installed:

(a) Machinery and

(b) Equipment;

(4) 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;

(d) Appliances used for refrigerating, ventilating, cooking, dishwashing or laundering;

(5) If not covered by other insurance:

(a) Additions under construction, alter- ations and repairs to the building or structure;

(b) Materials, equipment, supplies and temporary structures, on or within 100 feet of the described premises, used for making additions, altera- tions or repairs to the building or structure.

b. Your Business Personal Property located in or on the building described in the Declarations or in the open (or in a vehicle) within 100 feet of the described premises, consisting of the following unless otherwise specified in the Declarations or on the Your Business Personal Property - Separation Of Coverage form:

(1) Furniture and fixtures;

(2) Machinery and equipment;

(3) "Stock";

(4) All other personal property owned by you and used in your business;

(5) Labor, materials or services furnished or arranged by you on personal property of others;

(6) Your use interest as tenant in improve- ments and betterments. Improvements and betterments are fixtures, altera- tions, installations or additions:

(a) Made a part of the building or structure you occupy but do not own; and

(b) You acquired or made at your expense but cannot legally remove;

(7) Leased personal property for which you have a contractual responsibility to insure, unless otherwise provided for under Personal Property Of Others.

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c. Personal Property Of Others that is:

(1) In your care, custody or control; and

(2) Located in or on the building described in the Declarations or in the open (or in a vehicle) within 100 feet of the described premises.

However, our payment for loss of or damage to personal property of others will only be for the account of the owner of the property.

2. Property Not Covered

Covered Property does not include:

a. Accounts, bills, currency, food stamps or other evidences of debt, money, notes or securities. Lottery tickets held for sale are not securities;

b. Animals, unless owned by others and boarded by you, or if owned by you, only as "stock" while inside of buildings;

c. Automobiles held for sale;

d. Bridges, roadways, walks, patios or other paved surfaces;

e. Contraband, or property in the course of illegal transportation or trade;

f. The cost of excavations, grading, backfill- ing or filling;

g. Foundations of buildings, structures, ma- chinery or boilers if their foundations are below:

(1) The lowest basement floor; or

(2) The surface of the ground, if there is no basement;

h. Land (including land on which the property is located), water, growing crops or lawns;

i. Personal property while airborne or waterborne;

j. Bulkheads, pilings, piers, wharves or docks;

k. 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;

l. Retaining walls that are not part of a building;

m. Underground pipes, flues or drains;

n. Electronic data, except as provided under the Additional Coverage, Electronic Data. Electronic data means information, facts or computer programs stored as or on, created or used on, or transmitted to or from computer software (including systems and applications software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any other repositories of computer software which are used with electronically controlled equipment. The term computer programs, referred to in the foregoing description of electronic data, means a set of related electronic instructions which direct the operations and functions of a computer or device connected to it, which enable the computer or device to receive, process, store, retrieve or send data. This paragraph, n., does not apply to your "stock" of prepackaged software;

o. The cost to replace or restore the information on valuable papers and records, including those which exist as electronic data. Valuable papers and records include but are not limited to proprietary information, books of account, deeds, manuscripts, abstracts, drawings and card index systems. Refer to the Coverage Extension for Valuable Papers And Records (Other Than Electronic Data) for limited coverage for valuable papers and records other than those which exist as electronic data;

p. Vehicles or self-propelled machines (including aircraft or watercraft) that:

(1) Are licensed for use on public roads; or

(2) Are operated principally away from the described premises.

This paragraph does not apply to:

(a) Vehicles or self-propelled machines or autos you manufacture, process or warehouse;

(b) Vehicles or self-propelled machines, other than autos, you hold for sale;

(d) Trailers, but only to the extent provided for in the Coverage Extension for Non-owned Detached Trailers;

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q. The following property while outside of buildings:

(1) Grain, hay, straw or other crops;

(2) Fences, radio or television antennas (including satellite dishes) and their lead-in wiring, masts or towers, trees, shrubs or plants (other than "stock" of trees, shrubs or plants), all except as provided in the Coverage Extensions.

3. Covered Causes Of Loss

See applicable Causes Of Loss Form as shown in the Declarations.

4. Additional Coverages

a. Debris Removal

(1) Subject to Paragraphs (3) and (4), we will pay your expense to remove debris of Covered Property 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) Subject to the exceptions in Paragraph (4), the following provisions apply:

(a) The most we will pay for the total of direct physical loss or damage plus debris removal expense is the Limit of Insurance applicable to the Cov- ered Property that has sustained loss or damage.

(4) We will pay up to an additional $10,000 for debris removal expense, for each location, in any one occurrence of physical loss or damage to Covered Property, if one or both of the following circumstances apply:

(a) The total of the actual debris removal expense plus the amount we pay for direct physical loss or damage exceeds the Limit of Insurance on the Covered Property that has sustained loss or damage.

(b) The actual debris removal expense exceeds 25% of the sum of the deductible plus the amount that we pay for direct physical loss or damage to the Covered Property that has sustained loss or damage.

Therefore, if (4)(a) and/or (4)(b) apply, our total payment for direct physical loss or damage and debris removal expense may reach but will never exceed the Limit of Insurance on the Covered Property that has sustained loss or damage, plus $10,000.

(5) Examples

The following examples assume that there is no Coinsurance penalty.

EXAMPLE #1

Limit of Insurance: $ 90,000

Amount of Deductible: $ 500

Amount of Loss: $ 50,000

Amount of Loss Payable: $ 49,500

($50,000 – $500)

Debris Removal Expense: $ 10,000

Debris Removal Expense Payable: $ 10,000

($10,000 is 20% of $50,000.)

The debris removal expense is less than 25% of the sum of the loss payable plus the deductible. The sum of the loss payable and the debris removal expense ($49,500 + $10,000 = $59,500) is less than the Limit of Insurance. Therefore the full amount of debris removal expense is payable in accordance with the terms of Paragraph (3).

EXAMPLE #2

Limit of Insurance: $ 90,000

Amount of Deductible: $ 500

Amount of Loss: $ 80,000

Amount of Loss Payable: $ 79,500

($80,000 – $500)

Debris Removal Expense: $ 30,000

Debris Removal Expense Payable

Basic Amount: $ 10,500

Additional Amount: $ 10,000

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The basic amount payable for debris removal expense under the terms of Paragraph (3) is calculated as follows: $80,000 ($79,500 + $500) x .25 = $20,000; capped at $10,500. The cap applies because the sum of the loss payable ($79,500) and the basic amount payable for debris removal expense ($10,500) cannot exceed the Limit of Insurance ($90,000).

The additional amount payable for debris removal expense is provided in accordance with the terms of Paragraph (4), because the debris removal expense ($30,000) exceeds 25% of the loss payable plus the deductible ($30,000 is 37.5% of $80,000), and because the sum of the loss payable and debris removal expense ($79,500 + $30,000 = $109,500) would exceed the Limit of Insurance ($90,000). The additional amount of covered debris removal expense is $10,000, the maximum payable under Paragraph (4). Thus the total payable for debris removal expense in this example is $20,500; $9,500 of the debris removal expense is not covered.

b. Preservation Of Property

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 any direct physical loss or damage to that property:

(1) While it is being moved or while temporarily stored at another location; and

(2) Only if the loss or damage occurs within 30 days after the property is first moved.

c. 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 $1,000, unless a higher limit is shown in the Declarations, for your liability for fire department service charges:

(1) Assumed by contract or agreement prior to loss; or

(2) Required by local ordinance.

No Deductible applies to this Additional Coverage.

d. Pollutant Clean-up And Removal

We will pay your expense to extract "pollutants" from land or water at the described premises if the discharge, dispersal, seepage, migration, release or escape of the "pollutants" is caused by or results 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 on which the Covered Cause of Loss occurs.

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 "pollutants" from the land or water.

The most we will pay under this Additional Coverage for each described premises is $10,000 for the sum of all covered expenses arising out of Covered Causes of Loss occurring during each separate 12-month period of this policy.

e. Increased Cost Of Construction

(1) This Additional Coverage applies only to buildings to which the Replacement Cost Optional Coverage applies.

(2) In the event of damage by a Covered Cause of Loss to a building that is Covered Property, we will pay the increased costs incurred to comply with enforcement of an ordinance or law in the course of repair, rebuilding or replacement of damaged parts of that property, subject to the limitations stated in e.(3) through e.(9) of this Additional Coverage.

(3) The ordinance or law referred to in e.(2) of this Additional Coverage is an ordi- nance or law that regulates the con- struction or repair of buildings or estab- lishes zoning or land use requirements at the described premises, and is in force at the time of loss.

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(4) Under this Additional Coverage, we will not pay any costs due to an ordinance or law that:

(a) You were required to comply with before the loss, even when the building was undamaged; and

(b) You failed to comply with.

(5) Under this Additional Coverage, we will not pay for:

(a) The enforcement of any ordinance or law which requires demolition, re- pair, replacement, reconstruction, remodeling or remediation of prop- erty due to contamination by "pollu- tants" or due to the presence, growth, proliferation, spread or any activity of "fungus", wet or dry rot or bacteria; or

(b) Any costs associated with the enforcement of an 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 or dry rot or bacteria.

(6) The most we will pay under this Additional Coverage, for each described building insured under this Coverage Form, is $10,000 or 5% of the Limit of Insurance applicable to that building, whichever is less. If a damaged building is covered under a blanket Limit of Insurance which applies to more than one building or item of property, then the most we will pay under this Additional Coverage, for that damaged building, is the lesser of: $10,000 or 5% times the value of the damaged building as of the time of loss times the applicable Coinsurance percentage.

The amount payable under this Additional Coverage is additional insurance.

(7) With respect to this Additional Cover- age:

(a) We will not pay for the Increased Cost of Construction:

(i) Until the property is actually repaired or replaced, at the same or another premises; and

(ii) Unless the repairs or replace- ment are made as soon as rea- sonably possible after the loss or damage, not to exceed two years. We may extend this peri- od in writing during the two years.

(b) If the building is repaired or replaced at the same premises, or if you elect to rebuild at another premises, the most we will pay for the Increased Cost of Construction, subject to the provisions of e.(6) of this Additional Coverage, is the increased cost of construction at the same premises.

(c) If the ordinance or law requires relocation to another premises, the most we will pay for the Increased Cost of Construction, subject to the provisions of e.(6) of this Additional Coverage, is the increased cost of construction at the new premises.

(8) This Additional Coverage is not subject to the terms of the Ordinance Or Law Exclusion, to the extent that such Exclusion would conflict with the provisions of this Additional Coverage.

(9) The costs addressed in the Loss Payment and Valuation Conditions, and the Replacement Cost Optional Coverage, in this Coverage Form, do not include the increased cost attributable to enforcement of an ordinance or law. The amount payable under this Additional Coverage, as stated in e.(6) of this Additional Coverage, is not subject to such limitation.

f. Electronic Data

(1) Under this Additional Coverage, electronic data has the meaning described under Property Not Covered, Electronic Data.

(2) Subject to the provisions of this Additional Coverage, we will pay for the cost to replace or restore electronic data which has been destroyed or corrupted by a Covered Cause of Loss. To the extent that electronic data is not replaced or restored, the loss will be valued at the cost of replacement of the media on which the electronic data was stored, with blank media of substantially identical type.

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(3) The Covered Causes of Loss applicable to Your Business Personal Property apply to this Additional Coverage, Electronic Data, subject to the following:

(a) If the Causes Of Loss - Special Form applies, coverage under this Additional Coverage, Electronic Data, is limited to the "specified causes of loss" as defined in that form, and Collapse as set forth in that form.

(b) If the Causes Of Loss - Broad Form applies, coverage under this Additional Coverage, Electronic Data, includes Collapse as set forth in that form.

(c) If the Causes Of Loss Form is endorsed to add a Covered Cause of Loss, the additional Covered Cause of Loss does not apply to the coverage provided under this Additi- onal Coverage, Electronic Data.

(d) The Covered Causes of Loss include a virus, harmful code or similar instruction introduced into or enacted on a computer system (including electronic data) or a network to which it is connected, designed to damage or destroy any part of the system or disrupt its normal operation. But there is no coverage for loss or damage caused by or resulting from manipulation of a computer system (including electronic data) by any employee, including a temporary or leased employee, or by an entity retained by you or for you to inspect, design, install, modify, maintain, repair or replace that system.

(4) The most we will pay under this Addi- tional Coverage, Electronic Data, is $2,500 for all loss or damage sustained in any one policy year, regardless of the number of occurrences of loss or dam- age or the number of premises, loca- tions or computer systems involved. If loss payment on the first occurrence does not exhaust this amount, then the balance is available for subsequent loss or damage sustained in but not after that policy year. With respect to an oc- currence which begins in one policy year and continues or results in addi- tional loss or damage in a subsequent policy year(s), all loss or damage is deemed to be sustained in the policy year in which the occurrence began.

5. Coverage Extensions

Except as otherwise provided, the following Extensions apply to property located in or on the building described in the Declarations or in the open (or in a vehicle) within 100 feet of the described premises.

If a Coinsurance percentage of 80% or more, or a Value Reporting period symbol, is shown in the Declarations, you may extend the insurance provided by this Coverage Part as follows:

a. Newly Acquired Or Constructed Property

(1) Buildings

If this policy covers Building, you may extend that insurance to apply to:

(a) Your new buildings while being built on the described premises; and

(b) Buildings you acquire at locations, other than the described premises, intended for:

(i) Similar use as the building described in the Declarations; or

(ii) Use as a warehouse.

The most we will pay for loss or damage under this Extension is $250,000 at each building.

(2) Your Business Personal Property

(a) If this policy covers Your Business Personal Property, you may extend that insurance to apply to:

(i) Business personal property, including such property that you newly acquire, at any location you acquire other than at fairs, trade shows or exhibitions;

(ii) Business personal property, in- cluding such property that you newly acquire, located at your newly constructed or acquired buildings at the location de- scribed in the Declarations; or

(iii) Business personal property that you newly acquire, located at the described premises.

The most we will pay for loss or damage under this Extension is $100,000 at each building.

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(b) This Extension does not apply to:

(i) Personal property of others that is temporarily in your possession in the course of installing or per- forming work on such property; or

(ii) Personal property of others that is temporarily in your possession in the course of your manufac- turing or wholesaling activities.

(3) Period Of Coverage

With respect to insurance on or at each newly acquired or constructed prop- erty, coverage will end when any of the following first occurs:

(a) This policy expires;

(b) 30 days expire after you acquire the property or begin construction of that part of the building that would qualify as covered property; or

We will charge you additional premium for values reported from the date you acquire the property or begin construc- tion of that part of the building that would qualify as covered property.

b. Personal Effects And Property Of Others

You may extend the insurance that applies to Your Business Personal Property to apply to:

(1) Personal effects owned by you, your officers, your partners or members, your managers or your employees. This Extension does not apply to loss or damage by theft.

(2) Personal property of others in your care, custody or control.

The most we will pay for loss or damage under this Extension is $2,500 at each described premises. Our payment for loss of or damage to personal property of others will only be for the account of the owner of the property.

c. Valuable Papers And Records (Other Than Electronic Data)

(1) You may extend the insurance that applies to Your Business Personal Property to apply to the cost to replace or restore the lost information on valuable papers and records for which duplicates do not exist. But this Extension does not apply to valuable papers and records which exist as electronic data. Electronic data has the meaning described under Property Not Covered, Electronic Data.

(2) If the Causes Of Loss - Special Form applies, coverage under this Extension is limited to the "specified causes of loss" as defined in that form, and Collapse as set forth in that form.

(3) If the Causes Of Loss - Broad Form applies, coverage under this Extension includes Collapse as set forth in that form.

(4) Under this Extension, the most we will pay to replace or restore the lost information is $2,500 at each described premises, unless a higher limit is shown in the Declarations. Such amount is additional insurance. We will also pay for the cost of blank material for reproducing the records (whether or not duplicates exist), and (when there is a duplicate) for the cost of labor to transcribe or copy the records. The costs of blank material and labor are subject to the applicable Limit of Insurance on Your Business Personal Property and therefore coverage of such costs is not additional insurance.

d. Property Off-premises

(1) You may extend the insurance provided by this Coverage Form to apply to your Covered Property while it is away from the described premises, if it is:

(a) Temporarily at a location you do not own, lease or operate;

(b) In storage at a location you lease, provided the lease was executed after the beginning of the current policy term; or

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(2) This Extension does not apply to property:

(a) In or on a vehicle; or

(b) 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.

(3) The most we will pay for loss or damage under this Extension is $10,000.

e. Outdoor Property

You may extend the insurance provided by this Coverage Form to apply to your outdoor fences, radio and television antennas (including satellite dishes), trees, shrubs and plants (other than "stock" of trees, shrubs or plants), including debris removal expense, caused by or resulting from any of the following causes of loss if they are Covered Causes of Loss:

(1) Fire;

(2) Lightning;

(3) Explosion;

(4) Riot or Civil Commotion; or

(5) Aircraft.

The most we will pay for loss or damage under this Extension is $1,000, but not more than $250 for any one tree, shrub or plant. These limits apply to any one occurrence, regardless of the types or number of items lost or damaged in that occurrence.

f. Non-owned Detached Trailers

(1) You may extend the insurance that applies to Your Business Personal Property to apply to loss or damage to trailers that you do not own, provided that:

(a) The trailer is used in your business;

(b) The trailer is in your care, custody or control at the premises described in the Declarations; and

(2) We will not pay for any loss or damage that occurs:

(a) While the trailer is attached to any motor vehicle or motorized convey- ance, whether or not the motor ve- hicle or motorized conveyance is in motion;

(b) During hitching or unhitching opera- tions, or when a trailer becomes ac- cidentally unhitched from a motor vehicle or motorized conveyance.

(3) The most we will pay for loss or damage under this Extension is $5,000, unless a higher limit is shown in the Declara- tions.

(4) This insurance is excess over the amount due (whether you can collect on it or not) from any other insurance covering such property.

Each of these Extensions is additional insurance unless otherwise indicated. The Additional Condi- tion, Coinsurance, does not apply to these Exten- sions.

B. Exclusions And Limitations

See applicable Causes Of Loss Form as shown in the Declarations.

C. Limits Of Insurance

The most we will pay for loss or damage in any one occurrence is the applicable Limit of Insurance shown in the Declarations.

The most we will pay for loss or damage to outdoor signs, whether or not the sign is attached to a building, is $2,500 per sign in any one occurrence.

The amounts of insurance stated in the following Additional Coverages apply in accordance with the terms of such coverages and are separate from the Limit(s) of Insurance shown in the Declarations for any other coverage:

1. Fire Department Service Charge;

2. Pollutant Clean-up And Removal;

3. Increased Cost Of Construction; and

4. Electronic Data.

Payments under the Preservation Of Property Additional Coverage will not increase the applicable Limit of Insurance.

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D. Deductible

In any one occurrence of loss or damage (hereinafter referred to as loss), we will first reduce the amount of loss if required by the Coinsurance Condition or the Agreed Value Optional Coverage. If the adjusted amount of loss is less than or equal to the Deductible, we will not pay for that loss. If the adjusted amount of loss exceeds the Deductible, we will then subtract the Deductible from the adjusted amount of loss, and will pay the resulting amount or the Limit of Insurance, whichever is less.

When the occurrence involves loss to more than one item of Covered Property and separate Limits of Insurance apply, the losses will not be combined in determining application of the Deductible. But the Deductible will be applied only once per occurrence.

EXAMPLE #1

(This example assumes there is no Coinsurance penalty.)

Deductible: $ 250

Limit of Insurance - Building #1: $ 60,000

Limit of Insurance - Building #2: $ 80,000

Loss to Building #1: $ 60,100

Loss to Building #2: $ 90,000

The amount of loss to Building #1 ($60,100) is less than the sum ($60,250) of the Limit of Insurance applicable to Building #1 plus the Deductible.

The Deductible will be subtracted from the amount of loss in calculating the loss payable for Building #1:

$ 60,100

– 250

$ 59,850 Loss Payable - Building #1

The Deductible applies once per occurrence and therefore is not subtracted in determining the amount of loss payable for Building #2. Loss payable for Building #2 is the Limit of Insurance of $80,000.

Total amount of loss payable:

$59,850 + $80,000 = $139,850

EXAMPLE #2

(This example, too, assumes there is no Coinsurance penalty.)

The Deductible and Limits of Insurance are the same as those in Example #1.

Loss to Building #1: $ 70,000

(Exceeds Limit of Insurance plus Deductible)

Loss to Building #2: $ 90,000

(Exceeds Limit of Insurance plus Deductible)

Loss Payable - Building #1: $ 60,000

(Limit of Insurance)

Loss Payable - Building #2: $ 80,000

(Limit of Insurance)

Total amount of loss payable: $ 140,000

E. Loss Conditions

The following conditions apply in addition to the Common Policy Conditions and the Commercial Property Conditions.

1. Abandonment

There can be no abandonment of any property to us.

2. Appraisal

If we and you disagree on the value of the property 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 cannot agree, either may request that selection be made by a judge of a court having jurisdiction. The appraisers will state separately the value of the property and 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.

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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.

(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 description 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 Insurance. However, we will not pay for any subsequent loss or damage resulting 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 inven- tories of the damaged and undamaged property. Include quantities, costs, val- ues and amount of loss claimed.

(6) As often as may be reasonably required, permit us to inspect the property 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) Send us a signed, sworn proof of loss containing the information 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) Cooperate with us in the investigation or settlement of the claim.

b. We may examine any insured under oath, while not in the presence of any other insured and at such times as may be reasonably required, about any matter relating to this insurance or the claim, including an insured's books and records. In the event of an examination, an insured's answers must be signed.

4. Loss Payment

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 b. below;

(3) Take all or any part of the property at an agreed or appraised value; or

(4) Repair, rebuild or replace the property with other property of like kind and quality, subject to 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 the Valuation Condition in this Coverage Form or any applicable provision which amends or supersedes the Valuation Condition.

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.

c. We will give notice of our intentions within 30 days after we receive the sworn proof of loss.

d. We will not pay you more than your financial interest in the Covered Property.

e. We may adjust losses with the owners of lost or damaged property if other than you. If we pay the owners, such payments will satisfy your claims against us for the owners' property. We will not pay the owners more than their financial interest in the Covered Property.

f. We may elect to defend you against suits arising from claims of owners of property. We will do this at our expense.

g. We will pay for covered loss or damage within 30 days after we receive the sworn proof of loss, if you have complied with all of the terms of this Coverage Part and:

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

(2) An appraisal award has been made.

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h. A party wall is a wall that separates and is common to adjoining buildings that are owned by different parties. In settling covered losses involving a party wall, we will pay a proportion of the loss to the party wall based on your interest in the wall in proportion to the interest of the owner of the adjoining building. However, if you elect to repair or replace your building and the owner of the adjoining building elects not to repair or replace that building, we will pay you the full value of the loss to the party wall, subject to all applicable policy provisions including Limits of Insurance, the Valuation and Coinsurance Conditions and all other provisions of this Loss Payment Condition. Our payment under the provisions of this paragraph does not alter any right of subrogation we may have against any entity, including the owner or insurer of the adjoining building, and does not alter the terms of the Transfer Of Rights Of Recovery Against Others To Us Condition in this policy.

5. Recovered Property

If either you or we recover any property after loss settlement, that party must give the other prompt notice. At your option, the property will be returned to you. You must then return to us the amount we paid to you for the property. We will pay recovery expenses and the expenses to repair the recovered property, subject to the Limit of Insurance.

6. Vacancy

a. Description Of Terms

(1) As used in this Vacancy Condition, the term building and the term vacant have the meanings set forth in (1)(a) and (1)(b) below:

(a) When this policy is issued to a ten- ant, and with respect to that tenant's interest in Covered Prop- erty, building means the unit or suite rented or leased to the tenant. Such building is vacant when it does not contain enough business personal property to conduct customary op- erations.

(b) 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:

(i) Rented to a lessee or sub-lessee and used by the lessee or sub-lessee to conduct its customary operations; and/or

(ii) Used by the building owner to conduct customary operations.

(2) Buildings under construction or renovation are not considered vacant.

b. Vacancy Provisions

If the building where loss or damage occurs has been vacant for more than 60 consecutive days before that loss or damage occurs:

(1) We will not pay for any loss or damage caused by any of the following even if they are Covered Causes of Loss:

(a) Vandalism;

(b) Sprinkler leakage, unless you have protected the system against freezing;

(d) Water damage;

(e) Theft; or

(f) Attempted theft.

(2) With respect to Covered Causes of Loss other than those listed in b.(1)(a) through b.(1)(f) above, we will reduce the amount we would otherwise pay for the loss or damage by 15%.

7. Valuation

We will determine the value of Covered Property in the event of loss or damage as follows:

a. At actual cash value as of the time of loss or damage, except as provided in b., c., d. and e. below.

b. If the Limit of Insurance for Building satis- fies the Additional Condition, Coinsurance, and the cost to repair or replace the dam- aged building property is $2,500 or less, we will pay the cost of building repairs or replacement.

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The cost of building repairs or replacement does not include the increased cost attrib- utable to enforcement of any ordinance or law regulating the construction, use or re- pair of any property.

However, the following property will be valued at the actual cash value even when attached to the building:

(1) Awnings or floor coverings;

(2) Appliances for refrigerating, ventilating, cooking, dishwashing or laundering; or

(3) Outdoor equipment or furniture.

c. "Stock" you have sold but not delivered at the selling price less discounts and expenses you otherwise would have had.

d. Glass at the cost of replacement with safety-glazing material if required by law.

e. Tenants' Improvements and Betterments at:

(1) Actual cash value of the lost or damaged property if you make repairs promptly.

(2) A proportion of your original cost if you do not make repairs promptly. We will determine the proportionate value as follows:

(a) Multiply the original cost by the number of days from the loss or damage to the expiration of the lease; and

(b) Divide the amount determined in (a) above by the number of days from the installation of improvements to the expiration of the lease.

If your lease contains a renewal option, the expiration of the renewal option period will replace the expiration of the lease in this procedure.

(3) Nothing if others pay for repairs or replacement.

F. Additional Conditions

The following conditions apply in addition to the Common Policy Conditions and the Commercial Property Conditions.

1. 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 times the Coinsurance percentage shown for it in the Declarations is greater than the Limit of Insurance for the property.

Instead, we will determine the most we will pay using the following steps:

(1) Multiply the value of Covered Property at the time of loss by the Coinsurance percentage;

(2) Divide the Limit of Insurance of the property by the figure determined in Step (1);

(3) Multiply the total amount of loss, before the application of any deductible, by the figure determined in Step (2); and

(4) Subtract the deductible from the figure determined in Step (3).

We will pay the amount determined in Step (4) or the limit of insurance, whichever is less. For the remainder, you will either have to rely on other insurance or absorb the loss yourself.

EXAMPLE #1 (UNDERINSURANCE)

When: The value of the property is: $ 250,000

The Coinsurance percentage for it is: 80%

The Limit of Insurance for it is: $ 100,000

The Deductible is: $ 250

The amount of loss is: $ 40,000

Step (1): $250,000 x 80% = $200,000

(the minimum amount of insurance to meet your Coinsurance requirements)

Step (2): $100,000 ÷ $200,000 = .50

Step (3): $40,000 x .50 = $20,000

Step (4): $20,000 – $250 = $19,750

We will pay no more than $19,750. The remaining $20,250 is not covered.

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EXAMPLE #2 (ADEQUATE INSURANCE)

When: The value of the property is: $250,000

The Coinsurance percentage for it is: 80%

The Limit of Insurance for it is: $200,000

The Deductible is: $ 250

The amount of loss is: $ 40,000

The minimum amount of insurance to meet your Coinsurance requirement is $200,000 ($250,000 x 80%). Therefore, the Limit of Insurance in this example is adequate and no penalty applies. We will pay no more than $39,750 ($40,000 amount of loss minus the deductible of $250).

b. If one Limit of Insurance applies to two or more separate items, this condition will apply to the total of all property to which the limit applies.

EXAMPLE #3

When: The value of the property is:

Building at Location #1: $ 75,000

Building at Location #2: $ 100,000

Personal Property at Location #2: $ 75,000

$ 250,000

The Coinsurance percentage for it is: 90%

The Limit of Insurance for Buildings and Personal Property at Locations #1 and #2 is: $ 180,000

The Deductible is: $ 1,000

The amount of loss is:

Building at Location #2: $ 30,000

Personal Property at Location #2: $ 20,000

$ 50,000

Step (1): $250,000 x 90% = $225,000

(the minimum amount of insurance to meet your Coinsurance requirements and to avoid the penalty shown below)

Step (2): $180,000 ÷ $225,000 = .80

Step (3): $50,000 x .80 = $40,000

Step (4): $40,000 – $1,000 = $39,000

We will pay no more than $39,000. The remaining $11,000 is not covered.

2. Mortgageholders

a. The term mortgageholder includes trustee.

b. We will pay for covered loss of or damage to buildings or structures to each mortga- geholder shown in the Declarations in their order of precedence, as interests may ap- pear.

c. The mortgageholder has the right to re- ceive loss payment even if the mortgage- holder has started foreclosure or similar ac- tion on the building or structure.

d. If we deny your claim because of your acts or because you have failed to comply with the terms of this Coverage Part, the mort- gageholder will still have the right to re- ceive loss payment if the mortgageholder:

(1) Pays any premium due under this Coverage Part 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 owner- ship, occupancy or substantial change in risk known to the mortgageholder.

All of the terms of this Coverage Part will then apply directly to the mortgageholder.

e. If we pay the mortgageholder for any loss or damage and deny payment to you because of your acts or because you have failed to comply with the terms of this Coverage Part:

(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 right to recover the full amount of the mortgageholder's claim will not be impaired.

At our option, we may pay to the mortgageholder the whole principal on the mortgage plus any accrued interest. 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 written notice to the mortgageholder at least:

(1) 10 days before the effective date of cancellation if we cancel for your nonpayment of premium; or

(2) 30 days before the effective date of cancellation if we cancel for any other reason.

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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. Optional Coverages

If shown as applicable in the Declarations, the following Optional Coverages apply separately to each item.

1. Agreed Value

a. The Additional Condition, Coinsurance, does not apply to Covered Property to which this Optional Coverage applies. We will pay no more for loss of or damage to that property than the proportion that the Limit of Insurance under this Coverage Part for the property bears to the Agreed Value shown for it in the Declarations.

b. If the expiration date for this Optional Cov- erage shown in the Declarations is not ex- tended, the Additional Condition, Coinsur- ance, is reinstated and this Optional Cov- erage expires.

c. The terms of this Optional Coverage apply only to loss or damage that occurs:

(1) On or after the effective date of this Optional Coverage; and

(2) Before the Agreed Value expiration date shown in the Declarations or the policy expiration date, whichever occurs first.

2. Inflation Guard

a. The Limit of Insurance for property to which this Optional Coverage applied will automatically increase by the annual percentage shown in the Declarations.

b. The amount of increase will be:

(1) The Limit of Insurance that applied on the most recent of the policy inception date, the policy anniversary date, or any other policy change amending the Limit of Insurance, times

(2) The percentage of annual increase shown in the Declarations, expressed as a decimal (example: 8% is .08), times

(3) The number of days since the beginning of the current policy year or the effective date of the most recent policy change amending the Limit of Insurance, divided by 365.

EXAMPLE

If: The applicable Limit of Insurance is: $100,000

The annual percentage increase is: 8%

The number of days since the beginning of the policy year (or last policy change) is: 146

The amount of increase is: $100,000 x .08 x 146 ÷ 365 = $ 3200

3. Replacement Cost

a. Replacement Cost (without deduction for depreciation) replaces Actual Cash Value in the Valuation Loss Condition of this Coverage Form.

b. This Optional Coverage does not apply to:

(1) Personal property of others;

(2) Contents of a residence;

(3) Works of art, antiques or rare articles, including etchings, pictures, statuary, marbles, bronzes, porcelains and bric-a-brac; or

(4) "Stock", unless the Including "Stock" option is shown in the Declarations.

Under the terms of this Replacement Cost Optional Coverage, tenants' improvements and betterments are not considered to be the personal property of others.

c. You may make a claim for loss or damage covered by this insurance on an actual cash value basis 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 for the additional coverage this Optional Coverage provides if you notify us of your intent to do so within 180 days after the loss or damage.

d. We will not pay on a replacement cost basis for any loss or damage:

(1) Until the lost or damaged property is actually repaired or replaced; and

(2) Unless the repairs or replacement are made as soon as reasonably possible after the loss or damage.

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With respect to tenants' improvements and betterments, the following also apply:

(3) If the conditions in d.(1) and d.(2) above are not met, the value of tenants' improvements and betterments will be determined as a proportion of your original cost, as set forth in the Valuation Loss Condition of this Coverage Form; and

(4) We will not pay for loss or damage to tenants' improvements and better- ments if others pay for repairs or replacement.

e. We will not pay more for loss or damage on a replacement cost basis than the least of (1), (2) or (3), subject to f. below:

(1) The Limit of Insurance applicable to the lost or damaged property;

(2) The cost to replace the lost or damaged property with other property:

(a) Of comparable material and quality; and

(b) Used for the same purpose; or

(3) 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 e.(2) above is limited to the cost which would have been incurred if the building had been rebuilt at the original premises.

f. The cost of repair or replacement does not include the increased cost attributable to enforcement of any ordinance or law regulating the construction, use or repair of any property.

4. Extension Of Replacement Cost To Personal Property Of Others

a. If the Replacement Cost Optional Cover- age is shown as applicable in the Declara- tions, then this Extension may also be shown as applicable. If the Declarations show this Extension as applicable, then Paragraph 3.b.(1) of the Replacement Cost Optional Coverage is deleted and all other provisions of the Replacement Cost Op- tional Coverage apply to replacement cost on personal property of others.

b. With respect to replacement cost on the personal property of others, the following limitation applies:

If an item(s) of personal property of others is subject to a written contract which governs your liability for loss or damage to that item(s), then valuation of that item(s) will be based on the amount for which you are liable under such contract, but not to exceed the lesser of the replacement cost of the property or the applicable Limit of Insurance.

H. Definitions

1. "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.

2. "Pollutants" means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materi- als to be recycled, reconditioned or reclaimed.

3. "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.

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COMMERCIAL PROPERTY

CP 00 10 10 12

BUILDING AND PERSONAL PROPERTY COVERAGE FORM

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 Section H. 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 any Covered Cause of Loss.

1. Covered Property

Covered Property, as used in this Coverage Part, means the type of property described in this section, A.1., and limited in 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 structure described in the Declarations, including:

(1) Completed additions;

(2) Fixtures, including outdoor fixtures;

(3) Permanently installed:

(a) Machinery; and

(b) Equipment;

(4) 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;

(d) Appliances used for refrigerating, ventilating, cooking, dishwashing or laundering;

(5) If not covered by other insurance:

(a) Additions under construction, alterations and repairs to the building or structure;

(b) Materials, equipment, supplies and temporary structures, on or within 100 feet of the described premises, used for making additions, alterations or repairs to the building or structure.

b. Your Business Personal Property consists of the following property located in or on the building or structure described in the Declarations or in the open (or in a vehicle) within 100 feet of the building or structure or within 100 feet of the premises described in the Declarations, whichever distance is greater:

(1) Furniture and fixtures;

(2) Machinery and equipment;

(3) "Stock";

(4) All other personal property owned by you and used in your business;

(5) Labor, materials or services furnished or arranged by you on personal property of others;

(6) Your use interest as tenant in improvements and betterments. Improvements and betterments are fixtures, alterations, installations or additions:

(a) Made a part of the building or structure you occupy but do not own; and

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(b) You acquired or made at your expense but cannot legally remove;

(7) Leased personal property for which you have a contractual responsibility to insure, unless otherwise provided for under Personal Property Of Others.

c. Personal Property Of Others that is:

(1) In your care, custody or control; and

(2) Located in or on the building or structure described in the Declarations or in the open (or in a vehicle) within 100 feet of the building or structure or within 100 feet of the premises described in the Declarations, whichever distance is greater.

However, our payment for loss of or damage to personal property of others will only be for the account of the owner of the property.

2. Property Not Covered

Covered Property does not include:

a. Accounts, bills, currency, food stamps or other evidences of debt, money, notes or securities. Lottery tickets held for sale are not securities;

b. Animals, unless owned by others and boarded by you, or if owned by you, only as "stock" while inside of buildings;

c. Automobiles held for sale;

d. Bridges, roadways, walks, patios or other paved surfaces;

e. Contraband, or property in the course of illegal transportation or trade;

f. The cost of excavations, grading, backfilling or filling;

g. Foundations of buildings, structures, machinery or boilers if their foundations are below:

(1) The lowest basement floor; or

(2) The surface of the ground, if there is no basement;

h. Land (including land on which the property is located), water, growing crops or lawns (other than lawns which are part of a vegetated roof);

i. Personal property while airborne or waterborne;

j. Bulkheads, pilings, piers, wharves or docks;

l. Retaining walls that are not part of a building;

m. Underground pipes, flues or drains;

p. Vehicles or self-propelled machines (including aircraft or watercraft) that:

(1) Are licensed for use on public roads; or

(2) Are operated principally away from the described premises.

This paragraph does not apply to:

(a) Vehicles or self-propelled machines or autos you manufacture, process or warehouse;

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(b) Vehicles or self-propelled machines, other than autos, you hold for sale;

(d) Trailers, but only to the extent provided for in the Coverage Extension for Non-owned Detached Trailers; or

q. The following property while outside of buildings:

(1) Grain, hay, straw or other crops;

(2) Fences, radio or television antennas (including satellite dishes) and their lead-in wiring, masts or towers, trees, shrubs or plants (other than trees, shrubs or plants which are "stock" or are part of a vegetated roof), all except as provided in the Coverage Extensions.

3. Covered Causes Of Loss

See applicable Causes Of Loss form as shown in the Declarations.

4. Additional Coverages

a. Debris Removal

(1) Subject to Paragraphs (2), (3) and (4), we will pay your expense to remove debris of Covered Property and other debris that is on the described premises, when such debris is caused by or results 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) Remove debris of property of yours that is not insured under this policy, or property in your possession that is not Covered Property;

(b) Remove debris of property owned by or leased to the landlord of the building where your described premises are located, unless you have a contractual responsibility to insure such property and it is insured under this policy;

(c) Remove any property that is Property Not Covered, including property addressed under the Outdoor Property Coverage Extension;

(d) Remove property of others of a type that would not be Covered Property under this Coverage Form;

(e) Remove deposits of mud or earth from the grounds of the described premises;

(f) Extract "pollutants" from land or water; or

(g) Remove, restore or replace polluted land or water.

(3) Subject to the exceptions in Paragraph (4), the following provisions apply:

(a) The most we will pay for the total of direct physical loss or damage plus debris removal expense is the Limit of Insurance applicable to the Covered Property that has sustained loss or damage.

(b) Subject to (a) above, the amount we will pay for debris removal expense is limited to 25% of the sum of the deductible plus the amount that we pay for direct physical loss or damage to the Covered Property that has sustained loss or damage. However, if no Covered Property has sustained direct physical loss or damage, the most we will pay for removal of debris of other property (if such removal is covered under this Additional Coverage) is $5,000 at each location.

(4) We will pay up to an additional $25,000 for debris removal expense, for each location, in any one occurrence of physical loss or damage to Covered Property, if one or both of the following circumstances apply:

(a) The total of the actual debris removal expense plus the amount we pay for direct physical loss or damage exceeds the Limit of Insurance on the Covered Property that has sustained loss or damage.

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Therefore, if (4)(a) and/or (4)(b) applies, our total payment for direct physical loss or damage and debris removal expense may reach but will never exceed the Limit of Insurance on the Covered Property that has sustained loss or damage, plus $25,000.

(5) Examples

The following examples assume that there is no Coinsurance penalty.

Example 1

Limit of Insurance: $ 90,000

Amount of Deductible: $ 500

Amount of Loss: $ 50,000

Amount of Loss Payable: $ 49,500

($50,000 - $500)

Debris Removal Expense: $ 10,000

Debris Removal Expense Payable: $ 10,000

($10,000 is 20% of $50,000.)

The debris removal expense is less than 25% of the sum of the loss payable plus the deductible. The sum of the loss payable and the debris removal expense ($49,500 + $10,000 = $59,500) is less than the Limit of Insurance. Therefore, the full amount of debris removal expense is payable in accordance with the terms of Paragraph (3).

Example 2

Limit of Insurance: $ 90,000

Amount of Deductible: $ 500

Amount of Loss: $ 80,000

Amount of Loss Payable: $ 79,500

($80,000 - $500)

Debris Removal Expense: $ 40,000

Debris Removal Expense Payable

Basic Amount: $ 10,500

Additional Amount: $ 25,000

The basic amount payable for debris removal expense under the terms of Paragraph (3) is calculated as follows: $80,000 ($79,500 + $500) x .25 = $20,000, capped at $10,500. The cap applies because the sum of the loss payable ($79,500) and the basic amount payable for debris removal expense ($10,500) cannot exceed the Limit of Insurance ($90,000).

The additional amount payable for debris removal expense is provided in accordance with the terms of Paragraph (4), because the debris removal expense ($40,000) exceeds 25% of the loss payable plus the deductible ($40,000 is 50% of $80,000), and because the sum of the loss payable and debris removal expense ($79,500 + $40,000 = $119,500) would exceed the Limit of Insurance ($90,000). The additional amount of covered debris removal expense is $25,000, the maximum payable under Paragraph (4). Thus, the total payable for debris removal expense in this example is $35,500; $4,500 of the debris removal expense is not covered.

b. Preservation Of Property

(1) While it is being moved or while temporarily stored at another location; and

(2) Only if the loss or damage occurs within 30 days after the property is first moved.

c. 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 $1,000 for service at each premises described in the Declarations, unless a higher limit is shown in the Declarations. Such limit is the most we will pay regardless of the number of responding fire departments or fire units, and regardless of the number or type of services performed.

This Additional Coverage applies to your liability for fire department service charges:

(1) Assumed by contract or agreement prior to loss; or

(2) Required by local ordinance.

No Deductible applies to this Additional Coverage.

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d. Pollutant Clean-up And Removal

e. Increased Cost Of Construction

(1) This Additional Coverage applies only to buildings to which the Replacement Cost Optional Coverage applies.

(2) In the event of damage by a Covered Cause of Loss to a building that is Covered Property, we will pay the increased costs incurred to comply with the minimum standards of an ordinance or law in the course of repair, rebuilding or replacement of damaged parts of that property, subject to the limitations stated in e.(3) through e.(9) of this Additional Coverage.

(3) The ordinance or law referred to in e.(2) of this Additional Coverage is an ordinance or law that regulates the construction or repair of buildings or establishes zoning or land use requirements at the described premises and is in force at the time of loss.

(4) Under this Additional Coverage, we will not pay any costs due to an ordinance or law that:

(a) You were required to comply with before the loss, even when the building was undamaged; and

(b) You failed to comply with.

(5) Under this Additional Coverage, we will not pay for:

(a) The enforcement of or compliance with any ordinance or law which requires 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 or dry rot or bacteria; or

(b) Any costs associated with the enforcement of or compliance with an 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 or dry rot or bacteria.

The amount payable under this Additional Coverage is additional insurance.

(7) With respect to this Additional Coverage:

(a) We will not pay for the Increased Cost of Construction:

(i) Until the property is actually repaired or replaced at the same or another premises; and

(ii) Unless the repair or replacement is made as soon as reasonably possible after the loss or damage, not to exceed two years. We may extend this period in writing during the two years.

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(8) This Additional Coverage is not subject to the terms of the Ordinance Or Law Exclusion to the extent that such Exclusion would conflict with the provisions of this Additional Coverage.

(9) The costs addressed in the Loss Payment and Valuation Conditions and the Replacement Cost Optional Coverage, in this Coverage Form, do not include the increased cost attributable to enforcement of or compliance with an ordinance or law. The amount payable under this Additional Coverage, as stated in e.(6) of this Additional Coverage, is not subject to such limitation.

f. Electronic Data

(1) Under this Additional Coverage, electronic data has the meaning described under Property Not Covered, Electronic Data. This Additional Coverage does not apply to your "stock" of prepackaged software, or to electronic data which is integrated in and operates or controls the building's elevator, lighting, heating, ventilation, air conditioning or security system.

(3) The Covered Causes of Loss applicable to Your Business Personal Property apply to this Additional Coverage, Electronic Data, subject to the following:

(a) If the Causes Of Loss - Special Form applies, coverage under this Additional Coverage, Electronic Data, is limited to the "specified causes of loss" as defined in that form and Collapse as set forth in that form.

(b) If the Causes Of Loss - Broad Form applies, coverage under this Additional Coverage, Electronic Data, includes Collapse as set forth in that form.

(c) If the Causes Of Loss form is endorsed to add a Covered Cause of Loss, the additional Covered Cause of Loss does not apply to the coverage provided under this Additional Coverage, Electronic Data.

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(4) The most we will pay under this Additional Coverage, Electronic Data, is $2,500 (unless a higher limit is shown in the Declarations) for all loss or damage sustained in any one policy year, regardless of the number of occurrences of loss or damage or the number of premises, locations or computer systems involved. If loss payment on the first occurrence does not exhaust this amount, then the balance is available for subsequent loss or damage sustained in but not after that policy year. With respect to an occurrence which begins in one policy year and continues or results in additional loss or damage in a subsequent policy year(s), all loss or damage is deemed to be sustained in the policy year in which the occurrence began.

5. Coverage Extensions

If a Coinsurance percentage of 80% or more, or a Value Reporting period symbol, is shown in the Declarations, you may extend the insurance provided by this Coverage Part as follows:

a. Newly Acquired Or Constructed Property

(1) Buildings

If this policy covers Building, you may extend that insurance to apply to:

(a) Your new buildings while being built on the described premises; and

(b) Buildings you acquire at locations, other than the described premises, intended for:

(i) Similar use as the building described in the Declarations; or

(ii) Use as a warehouse.

The most we will pay for loss or damage under this Extension is $250,000 at each building.

(2) Your Business Personal Property

(a) If this policy covers Your Business Personal Property, you may extend that insurance to apply to:

(i) Business personal property, including such property that you newly acquire, at any location you acquire other than at fairs, trade shows or exhibitions; or

(ii) Business personal property, including such property that you newly acquire, located at your newly constructed or acquired buildings at the location described in the Declarations.

The most we will pay for loss or damage under this Extension is $100,000 at each building.

(b) This Extension does not apply to:

(i) Personal property of others that is temporarily in your possession in the course of installing or performing work on such property; or

(ii) Personal property of others that is temporarily in your possession in the course of your manufacturing or wholesaling activities.

(3) Period Of Coverage

With respect to insurance provided under this Coverage Extension for Newly Acquired Or Constructed Property, coverage will end when any of the following first occurs:

(a) This policy expires;

(b) 30 days expire after you acquire the property or begin construction of that part of the building that would qualify as covered property; or

We will charge you additional premium for values reported from the date you acquire the property or begin construction of that part of the building that would qualify as covered property.

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b. Personal Effects And Property Of Others

You may extend the insurance that applies to Your Business Personal Property to apply to:

(1) Personal effects owned by you, your officers, your partners or members, your managers or your employees. This Extension does not apply to loss or damage by theft.

(2) Personal property of others in your care, custody or control.

c. Valuable Papers And Records (Other Than Electronic Data)

(2) If the Causes Of Loss - Special Form applies, coverage under this Extension is limited to the "specified causes of loss" as defined in that form and Collapse as set forth in that form.

(3) If the Causes Of Loss - Broad Form applies, coverage under this Extension includes Collapse as set forth in that form.

(4) Under this Extension, the most we will pay to replace or restore the lost information is $2,500 at each described premises, unless a higher limit is shown in the Declarations. Such amount is additional insurance. We will also pay for the cost of blank material for reproducing the records (whether or not duplicates exist) and (when there is a duplicate) for the cost of labor to transcribe or copy the records. The costs of blank material and labor are subject to the applicable Limit of Insurance on Your Business Personal Property and, therefore, coverage of such costs is not additional insurance.

d. Property Off-premises

(1) You may extend the insurance provided by this Coverage Form to apply to your Covered Property while it is away from the described premises, if it is:

(a) Temporarily at a location you do not own, lease or operate;

(b) In storage at a location you lease, provided the lease was executed after the beginning of the current policy term; or

(2) This Extension does not apply to property:

(a) In or on a vehicle; or

(b) 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.

(3) The most we will pay for loss or damage under this Extension is $10,000.

e. Outdoor Property

You may extend the insurance provided by this Coverage Form to apply to your outdoor fences, radio and television antennas (including satellite dishes), trees, shrubs and plants (other than trees, shrubs or plants which are "stock" or are part of a vegetated roof), including debris removal expense, caused by or resulting from any of the following causes of loss if they are Covered Causes of Loss:

(1) Fire;

(2) Lightning;

(3) Explosion;

(4) Riot or Civil Commotion; or

(5) Aircraft.

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Subject to all aforementioned terms and limitations of coverage, this Coverage Extension includes the expense of removing from the described premises the debris of trees, shrubs and plants which are the property of others, except in the situation in which you are a tenant and such property is owned by the landlord of the described premises.

f. Non-owned Detached Trailers

(1) You may extend the insurance that applies to Your Business Personal Property to apply to loss or damage to trailers that you do not own, provided that:

(a) The trailer is used in your business;

(b) The trailer is in your care, custody or control at the premises described in the Declarations; and

(2) We will not pay for any loss or damage that occurs:

(a) While the trailer is attached to any motor vehicle or motorized conveyance, whether or not the motor vehicle or motorized conveyance is in motion;

(b) During hitching or unhitching operations, or when a trailer becomes accidentally unhitched from a motor vehicle or motorized conveyance.

(3) The most we will pay for loss or damage under this Extension is $5,000, unless a higher limit is shown in the Declarations.

(4) This insurance is excess over the amount due (whether you can collect on it or not) from any other insurance covering such property.

g. Business Personal Property Temporarily In Portable Storage Units

(1) You may extend the insurance that applies to Your Business Personal Property to apply to such property while temporarily stored in a portable storage unit (including a detached trailer) located within 100 feet of the building or structure described in the Declarations or within 100 feet of the premises described in the Declarations, whichever distance is greater.

(2) If the applicable Covered Causes of Loss form or endorsement contains a limitation or exclusion concerning loss or damage from sand, dust, sleet, snow, ice or rain to property in a structure, such limitation or exclusion also applies to property in a portable storage unit.

(3) Coverage under this Extension:

(a) Will end 90 days after the business personal property has been placed in the storage unit;

(b) Does not apply if the storage unit itself has been in use at the described premises for more than 90 consecutive days, even if the business personal property has been stored there for 90 or fewer days as of the time of loss or damage.

(4) Under this Extension, the most we will pay for the total of all loss or damage to business personal property is $10,000 (unless a higher limit is indicated in the Declarations for such Extension) regardless of the number of storage units. Such limit is part of, not in addition to, the applicable Limit of Insurance on Your Business Personal Property. Therefore, payment under this Extension will not increase the applicable Limit of Insurance on Your Business Personal Property.

(5) This Extension does not apply to loss or damage otherwise covered under this Coverage Form or any endorsement to this Coverage Form or policy, and does not apply to loss or damage to the storage unit itself.

Each of these Extensions is additional insurance unless otherwise indicated. The Additional Condition, Coinsurance, does not apply to these Extensions.

B. Exclusions And Limitations

See applicable Causes Of Loss form as shown in the Declarations.

C. Limits Of Insurance

The most we will pay for loss or damage in any one occurrence is the applicable Limit Of Insurance shown in the Declarations.

The most we will pay for loss or damage to outdoor signs, whether or not the sign is attached to a building, is $2,500 per sign in any one occurrence.

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The amounts of insurance stated in the following Additional Coverages apply in accordance with the terms of such coverages and are separate from the Limit(s) Of Insurance shown in the Declarations for any other coverage:

1. Fire Department Service Charge;

2. Pollutant Clean-up And Removal;

3. Increased Cost Of Construction; and

4. Electronic Data.

Payments under the Preservation Of Property Additional Coverage will not increase the applicable Limit of Insurance.

D. Deductible

Example 1

(This example assumes there is no Coinsurance penalty.)

Deductible: $ 250

Limit of Insurance - Building 1: $ 60,000

Limit of Insurance - Building 2: $ 80,000

Loss to Building 1: $ 60,100

Loss to Building 2: $ 90,000

The amount of loss to Building 1 ($60,100) is less than the sum ($60,250) of the Limit of Insurance applicable to Building 1 plus the Deductible.

The Deductible will be subtracted from the amount of loss in calculating the loss payable for Building 1:

$ 60,100

– 250

$ 59,850 Loss Payable - Building 1

The Deductible applies once per occurrence and therefore is not subtracted in determining the amount of loss payable for Building 2. Loss payable for Building 2 is the Limit of Insurance of $80,000.

Total amount of loss payable:

$59,850 + $80,000 = $139,850

Example 2

(This example, too, assumes there is no Coinsurance penalty.)

The Deductible and Limits of Insurance are the same as those in Example 1.

Loss to Building 1: $ 70,000

(Exceeds Limit of Insurance plus Deductible)

Loss to Building 2: $ 90,000

(Exceeds Limit of Insurance plus Deductible)

Loss Payable - Building 1: $ 60,000

(Limit of Insurance)

Loss Payable - Building 2: $ 80,000

(Limit of Insurance)

Total amount of loss payable: $ 140,000

E. Loss Conditions

The following conditions apply in addition to the Common Policy Conditions and the Commercial Property Conditions:

1. Abandonment

There can be no abandonment of any property to us.

2. Appraisal

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.

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(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 description of how, when and where the loss or damage occurred.

(5) At our request, give us complete inventories of the damaged and undamaged property. Include quantities, costs, values and amount of loss claimed.

(6) As often as may be reasonably required, permit us to inspect the property 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.

(8) Cooperate with us in the investigation or settlement of the claim.

4. Loss Payment

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 b. below;

(3) Take all or any part of the property at an agreed or appraised value; or

(4) Repair, rebuild or replace the property with other property of like kind and quality, subject to b. below.

b. The cost to repair, rebuild or replace does not include the increased cost attributable to enforcement of or compliance with any ordinance or law regulating the construction, use or repair of any property.

c. We will give notice of our intentions within 30 days after we receive the sworn proof of loss.

d. We will not pay you more than your financial interest in the Covered Property.

f. We may elect to defend you against suits arising from claims of owners of property. We will do this at our expense.

g. We will pay for covered loss or damage within 30 days after we receive the sworn proof of loss, if you have complied with all of the terms of this Coverage Part, and:

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

(2) An appraisal award has been made.

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5. Recovered Property

6. Vacancy

a. Description Of Terms

(1) As used in this Vacancy Condition, the term building and the term vacant have the meanings set forth in (1)(a) and (1)(b) below:

(a) 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 tenant. Such building is vacant when it does not contain enough business personal property to conduct customary operations.

(b) 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:

(i) Rented to a lessee or sublessee and used by the lessee or sublessee to conduct its customary operations; and/or

(ii) Used by the building owner to conduct customary operations.

(2) Buildings under construction or renovation are not considered vacant.

b. Vacancy Provisions

If the building where loss or damage occurs has been vacant for more than 60 consecutive days before that loss or damage occurs:

(1) We will not pay for any loss or damage caused by any of the following, even if they are Covered Causes of Loss:

(a) Vandalism;

(b) Sprinkler leakage, unless you have protected the system against freezing;

(d) Water damage;

(e) Theft; or

(f) Attempted theft.

(2) With respect to Covered Causes of Loss other than those listed in b.(1)(a) through b.(1)(f) above, we will reduce the amount we would otherwise pay for the loss or damage by 15%.

7. Valuation

We will determine the value of Covered Property in the event of loss or damage as follows:

a. At actual cash value as of the time of loss or damage, except as provided in b., c., d. and e. below.

b. If the Limit of Insurance for Building satisfies the Additional Condition, Coinsurance, and the cost to repair or replace the damaged building property is $2,500 or less, we will pay the cost of building repairs or replacement.

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The cost of building repairs or replacement does not include the increased cost attributable to enforcement of or compliance with any ordinance or law regulating the construction, use or repair any property.

However, the following property will be valued at the actual cash value, even when attached to the building:

(1) Awnings or floor coverings;

(2) Appliances for refrigerating, ventilating, cooking, dishwashing or laundering; or

(3) Outdoor equipment or furniture.

c. "Stock" you have sold but not delivered at the selling price less discounts and expenses you otherwise would have had.

d. Glass at the cost of replacement with safety-glazing material if required by law.

e. Tenants' Improvements and Betterments at:

(1) Actual cash value of the lost or damaged property if you make repairs promptly.

(2) A proportion of your original cost if you do not make repairs promptly. We will determine the proportionate value as follows:

(a) Multiply the original cost by the number of days from the loss or damage to the expiration of the lease; and

(b) Divide the amount determined in (a) above by the number of days from the installation of improvements to the expiration of the lease.

If your lease contains a renewal option, the expiration of the renewal option period will replace the expiration of the lease in this procedure.

(3) Nothing if others pay for repairs or replacement.

F. Additional Conditions

The following conditions apply in addition to the Common Policy Conditions and the Commercial Property Conditions:

1. Coinsurance

If a Coinsurance percentage is shown in the Declarations, the following condition applies:

Instead, we will determine the most we will pay using the following steps:

(1) Multiply the value of Covered Property at the time of loss by the Coinsurance percentage;

(2) Divide the Limit of Insurance of the property by the figure determined in Step (1);

(3) Multiply the total amount of loss, before the application of any deductible, by the figure determined in Step (2); and

(4) Subtract the deductible from the figure determined in Step (3).

We will pay the amount determined in Step (4) or the Limit of Insurance, whichever is less. For the remainder, you will either have to rely on other insurance or absorb the loss yourself.

Example 1 (Underinsurance)

When: The value of the property is: $ 250,000

The Coinsurance percentage for it is: 80%

The Limit of Insurance for it is: $ 100,000

The Deductible is: $ 250

The amount of loss is: $ 40,000

Step (1): $250,000 x 80% = $200,000

(the minimum amount of insurance to meet your Coinsurance requirements)

Step (2): $100,000 ÷ $200,000 = .50

Step (3): $40,000 x .50 = $20,000

Step (4): $20,000 – $250 = $19,750

We will pay no more than $19,750. The remaining $20,250 is not covered.

Example 2 (Adequate Insurance)

When: The value of the property is: $ 250,000

The Coinsurance percentage for it is: 80%

The Limit of Insurance for it is: $ 200,000

The Deductible is: $ 250

The amount of loss is: $ 40,000

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b. If one Limit of Insurance applies to two or more separate items, this condition will apply to the total of all property to which the limit applies.

Example 3

When: The value of the property is:

Building at Location 1: $ 75,000

Building at Location 2: $ 100,000

Personal Property at Location 2: $ 75,000

$ 250,000

The Coinsurance percentage for it is: 90%

The Limit of Insurance for Buildings and Personal Property at Locations 1 and 2 is: $ 180,000

The Deductible is: $ 1,000

The amount of loss is:

Building at Location 2: $ 30,000

Personal Property at Location 2: $ 20,000

$ 50,000

Step (1): $250,000 x 90% = $225,000

(the minimum amount of insurance to meet your Coinsurance requirements and to avoid the penalty shown below)

Step (2): $180,000 ÷ $225,000 = .80

Step (3): $50,000 x .80 = $40,000

Step (4): $40,000 – $1,000 = $39,000

We will pay no more than $39,000. The remaining $11,000 is not covered.

2. Mortgageholders

a. The term mortgageholder includes trustee.

b. We will pay for covered loss of or damage to buildings or structures to each mortgageholder shown in the Declarations in their order of precedence, as interests may appear.

c. The mortgageholder has the right to receive loss payment even if the mortgageholder 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 comply with the terms of this Coverage Part, the mortgageholder will still have the right to receive loss payment if the mortgageholder:

(1) Pays any premium due under this Coverage Part 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, occupancy or substantial change in risk known to the mortgageholder.