‘B0P00000077367R * ahh Harleysville. Harleysville Insurance: Our Privacy Pledge Providing superior products and services to our customers requires us to obtain various types of personal information. In entrusting your business to us, we understand that you expect your personal information to remain private and to be treated with the utmost confidence. Please be assured we are committed to safeguarding your privacy, and have established a policy to maintain the confidentiality of your personal information. We think itis important for you, as well, to understand how Harleysville Insurance* obtains, uses and safeguards your personal information. How we obtain, use and protect your personal information Information we obtait The information we obtain will depend upon the type of insurance you request and may include: ; + Information we receive from you in writing, by telephone or electronically on applications or other forms. Examples: your name, address, social security number and income. For some insurance products, the information may include your health history. * Information about your transactions with us. Examples: your policy coverage, premiums, claims history and payment history. + Information we receive from a consumer reporting agency. Examples: your credit score, credit history and motor vehicle reports. Information we disclose Except as explained below, we may share any personal information about our customers and former customers within Harleysville Insurance in order to offer you other Harleysville Insurance services thal are | likely to be of value to you. | ‘+ Unless you tell us not fo, we may share credit information about you within Harleysville insurance. Examples: your credit score, credit history or motor vehicle reports. We share this information in order to provide you with the appropriate insurance coverage. If you prefer that we not share this information within Harleysville Insurance, you may tell us not to by calling a toll-free number 1.800.829.7865. ‘As permitted by law, we may disclose (without specific authorization) any personal information about our ‘customers and former customers we obtain to third parties (which includes persons and companies within and outside Harleysville Insurance) as is necessary for these parties to help us service or process your transaction with us. We may disclose the following information to companies that perform marketing services for Harleysville Insurance or to other financial institutions such as banks, thrift institutions or insurance companies with which ‘we have joint marketing agreements: * Information we receive from you on applications or other forms. Examples: your name, address and ‘telephone number. Information about your transactions with us, such as your policy coverage. ‘These thitd parties must agree to maintain strict confidentiality protections and limit the use of the customer information we provide them. ‘We do not sell or otherwise provide lists of our customers to third parties to market non-financial services. GU-1197 (Ed. 7-06) Page 1 of 20P90000077367R Confidentiality of Health Information Itis often necessary for us to obtain personal health information in order to underwrite insurance and process claims for various types of personal insurance coverages. We recognize your concems about the security of that information and want to assure you that any personal health data you provide to us will be held in strict confidence. We will not disclose nor share your personal health information for marketing or any other unauthorized purpose. We may disclose or share your personal health information for underwriting your policy ‘or administering your policy or claim or for other purposes permitted by law. Harleysville Insurance independent agents Independent insurance agents of Harleysville Insurance are authorized to solicit business for Harleysville Insurance. However, they are not Harleysville Insurance employees. Because they have a unique business relationship with you, they may have additional personal information about you that we do not have. Agents may use any of your personal information they have for purposes other than doing business with us. If 50, your agent may need to provide you with the agency's privacy policy. Information security standards We maintain physical, electronic and procedural safeguards to protect customer information. We restrict access to your personal information to those persons who have a business need for such information. We'll keep you informed As a valued customer, we respect your privacy concerns. We will provide you with an annual notice. In the event of future changes in our privacy policy, we wil provide you an updated notice. "Our privacy pledge extends to all companies of Harleysville Insurance: Harleysville Lake States Insurance Company _Harleysville-Atlantic Insurance Company Harleysville Life Insurance Company Harleysville Insurance Company Harleysville Mutual Insurance Company Harleysville Insurance Company of New Jersey Harleysville Pennland Insurance Company Harleysville Insurance Company of New York Harleysville Preferred Insurance Company Harleysville Insurance Company of Ohio Harleysville Worcester Insurance Company Mainland Insurance Company GU-1197 (Ed. 7-06) Page 2 of 2'80P00000077367R ST-7555 (Ed. 11-04) IMPORTANT NOTICE TO POLICYHOLDERS Do you have enough insurance on your building? Ifyour commercial bullding were damaged or worse, destroyed, would your insuranes limit be sufficient to fully repair or rebuild the structure? ‘When you consider the ever rising costs of labor, construction materials and supplies, the impact of overall inflation, and the value of any improvements you've made to your property, it's quite possible your level of coverage is no longer adequate, It is your responsibility to insure to value. While Harleysville's insurance products offer comprehensive protection for business owners, if your property is insured at less than 100 percent of its replacement cost (or, where applicable, actual cash value), youassume the risk of not being fully insured if you have a loss. To make certain your building coverage limits are - and remain - adequate, we strongly encourage you to review your coverage with your agent. You also should consider obtaining an'appraisal or an estimate from a contractor annually, or as needed. \We appreciate the opportunity to insure your property, and look forward to continuing our partnership with your business and your independent Harleysville Insurance agent to protect your interests fully Note: In the event of a claim, Harleysville Insurance reserves all of its rights under the policy to make its own Independent determination of replacerment costar actuel cash valve In applying the co-neurance provisions of e policy. ST-7565 (Ed. 14-04) Poge 1 off'80P00000077367 sT-7870 (Ed. 1-48) IMPORTANT NOTICE TO POLICYHOLDERS. CONDITIONAL EXCLUSION OF TERRORISM (RELATING TO DISPOSITION OF FEDERAL TERRORISM RISK INSURANCE ACT) POTENTIAL RESTRICTIONS OF TERRORISM COVERAGE This Notice has been prepared in conjunction with the POTENTIAL implementation of changes related to coverage of terrorism under your policy. ‘The Terrorism Risk Insurance Act established a program (Terrorism Risk Insurance Program) within the Department of the Treasury, under which the federal government shares, with the insurance Industry, the risk of loss from future terrorist attacks. Thai Program will terminate December 31, 2044 unless extended by the federal government. I the federal Program terminates, otis extended with certain changes, during the term of your policy, then the treatment of terrorism under your pot wil change, This Notice i beng provided to you fe he plrpeso of Summarizing potential impact on your coverage. The summary is a brief synopsis of significant exclusionary provisions and imitations, This Notice does not form a part of your insurance contract. The Notice is designed to alert you to coverage restrictions and to other provisions in certain terrorism endorsement(s) in this polcy. If there is any conflict between this Notice and the policy (including its endorsements), the provisions ofthe policy (including its endorsements) apply. Carefully read your policy, including the endorsements attached to your policy ‘YOUR POLICY AT START OF THE POLICY TERM: Except as described below, this policy does not contain a terrorism exclusion, However, the policy contains an ‘endorsement under which coverage for “certiied acts of terrorism” (which is more fully defined in the endorsement but involves an act of terrorism certified by the federel government to be an act of terrorism pursuant to the federal Terrorism Risk Insurance Ac!) is subject to a limit on our labilty pursuant to the federal Terrorism Risk Insurance Act Further, the absence of a terrorism exclusion does not create coverage for any injury or damage that would otherwise be excluded under the policy, such as losses excluded by the nuclear hazard or war exclusions. POTENTIAL CHANGE DURING THE TERM OF YOUR POLICY; Endorsement BPOS64 is attached to your policy Its provisions become applicable to your policy only if certain events {ene oF more of them) occur. Those events include the folowing > If the federal Terroriem Risk Insurance Program (TRIP) terminates with respect to the type of insurance rovided under this policy. (TRIP Is scheduled to terminate at the end of December 31, 2014 unless extended the federal goverment, or >> IT TRIP is extended with changes that redefine terrorism, and we are not required to make such revised coverage availabe to you; or 2° If TRIP is extended with changes that make insurance coverage for terrorism subject to provisions or requirements that differ from those that apply to other events or occurrences under this policy, and we are not required to make such revised coverage available fo you, or >> If TRIP is extended with changes that increase insurers’ statutory percentage deductible under TRIP for terrorism losses, or decrease the federal government's statutory percentage share in potential terrorism losses, and we are not required to make terrorism coverage available to you. Our deductible is 20% of the total of our Previous year's direct earned premiums. The government's share is 65% of the terrorism losses paid by us above the deductible, ST-7870 (Ed. 1-14) Page 1 of2'80°00000077367R Endorsement BP0564 treats terrorism as follows: ‘Coverage for loss, injury or damage arising out of a terrorism incident is excluded only if: > The total of all insured damage fo all types of property (including business interruption losses sustained by ‘owners or occupants of damaged property) from the incident, exceeds $25 milion. The $25 million property damage threshold is based on josses sustained by all persons and entities who are affected by an incident of terrorism, and who are insured for the damage, or who would be Insured but for a terrorism exclusion; or 2% Only for the coverage provided by your policy under Section it~ Liability, fity or more persons sustain death or serious physical injury; or > The terrorism event involves nuclear materials or results in nuclest reaction or radiation or radioactive ‘contamination; oF > The terrorism event involves the release of radioactive material, and it eppears that one purpose of the terrorism was to release such material; or > The terrorism event is carried out by means of the dispersal or application of pathogenic or poisonous biological or chemical materials; or 2 The terrorism event involves the release of pathogenic or poisonous biological or chemical materials, and it appears tha one purpose of the terrorism was to release such materials To.gatermine whether te treshod for property damage ($26 milion) or persons injured ity) is exceeded, mule incidents of terrorism which occur within a seventy-two hour period and appear to be inked together or have a related Purpose or common leadership behind them shall be considered to be one incident of terrorism. The Exception Covering Certain Fire Losses under paragraph B.2. of BP0SE4 applies only in certain states. If the ‘exception applies in any states under your policy, that is indicated in the Schedule of the terrorism endorsement. Ifthe Exception applies, the Schedule indicates the affected types of insurance in affected states. When the Exception "poles, the exclusion of terrorism does not apply to direct loss or damage by tre to Covered Property, wh respect to cted types of insurance in affected states. See the definition of terrorism for purposes of the terrorism exclusion. ‘ST-7670 (Ed. 1-14) Page 2 of211-0004 4. 5-14) ‘a0P00000077367R Harleysville Preferred Insurance Company ‘A Stock Company Bul Harleysville, 385 Mapte Avene Harleys, Pennsyvania 10438 Page tof?‘Borov0aKa77367R This policy jacket with the policy provisions, declarations or information page, and endorsements, if any, completes this policy. \We will prove insurance described in this policy in retum for the premium and compliance with all applicable policy provisions, In Witness Whereof, the Company ) U. (h&- Cath. Hama W. Kim Austen Robert W. Homer Il President & Chief Operating Officer Vice President & Secretary 8 caused this policy to be executed and attested. 0008 (Ed. 6-14) Page 202'80°00000077367R Haioyse Pretred surance Conpary * . Harleysville setae StarAdvantage® eae Businessowners Program Insured: Adams Mill River Condominium Association Polley Number: BOP00000077367R ‘Agent: TRUE & KOOKOGEY INC. Polley Period: 09/01/2014 to 09/01/2015 RENEWAL CERTIFICATE. BUSINESSOWNERS POLICY DECLARATIONS ‘Named insured and Mailing Address: Agent Name and Malling Address: ‘Adams Mill River Condominium Association TRUE & KOOKOGEY INC Sop PO BOX 638 20 Summer St WESTFIELD, NJ 07094 ‘Stamford, CT 06901-2304 ‘Agency Code: 743671 Phone Number: (908)232-0760 Policy Period: 09/01/2014 to 09/01/2015 at 12:01 AM Standard Time at your mailing address Business Description: Condo Assoc Form of Business: CORPORATION IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY, IF YOU REQUEST CANCELLATION OF THIS POLICY, THE COMPANY WILL RETAIN A MINIMUM PREMIUM OF $675,00 PREMISES INFORMATION - ADDRESSES SEE SCHEDULE GU-7005 SECTION | - PROPERTY COVERAGE, LIMITS OF INSURANCE, DEDUCTIBLES SEE BUSINESSOWNERS SUPPLEMENTAL DECLARATIONS BOP-7034 Employee Dishonesty - Applica Honey And Secures - Appcable SECTION Il- LIABILITY Limit of Insurance Liabillty and Medical Expenses $ 1,000,000 Medical Expenses $ 10,000 ‘Aggregate Limits 3 Products - Completed Operations $ 2,000,000 Other Than Products - Completed Operations s 2,000,000 ‘SEE BUSINESSOWNERS SUPPLEMENTAL DECLARATIONS BOP-7034. THIS POLICY CONTAINS AGGREGATE LIMITS, REFER TO SECTION D - LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE FOR DETAILS REGARDING THESE LIMITS AND HOW THEY APPLY. TOTAL PREMIUM = $ FORMS AND ENDORSEMENTS MADE A PART OF THIS POLICY: ‘SEE SCHEDULES GU-7004 and GU-7009 BOP-7033 (Ed, 4-09) Page 1 of 4 Insured Copy Issued: 0718/2014‘8P00000077567R, HatoysiePretrd nuance Company Harleysville *tiresoon ators, PA 10438-2297 0d people tolnnow* —_wesbaoyarBageipcom Insured: Adams Mill River Condominium Association Policy Number: BOP00000077367R. ‘Agent: TRUE & KOOKOGEY INC Policy Period: 09/01/2014 to 09/01/2015 RENEWAL CERTIFICATE BUSINESSOWNERS SUPPLEMENTAL DECLARATIONS. PREMISES INFORMATION - ADDRESSES / TERRITORY Promises Building No. No. Address Temtory ‘ot (001 25 Adams Ave 003 ‘Stamford, CT 06902-3754 PREMISES INFORMATION - OCCUPANCY / CONSTRUCTION / PROTECTION CLASS (PC) / CLASS CODE Premises Building No. No, Occupancy Construction PC Class Code ‘001 001 CONDOMINIUM FRAME 3 69145 RESIDENTIAL CONDOMINIUMS PROPERTY COVERAGE - BUILDING / BUSINESS PERSONAL PROPERTY Type of Property ‘Actual Cash Aulomatis Increase ~ Premises Building (@ulding or Business Value - Building Building Limit Limit of No. No.___Personal Proper Option (Yes or No) (Porcontago) inguranco, ‘001 001 BUILDING No a% $21,560,100 001 001 BUSINESS PERSONAL PROPERTY N/A NA $30,500 PROPERTY DEDUCTIBLES Promises Windstorm or Hail No. Deductible Percantage Deductible ‘001 ‘$5,000 NONE PREMISES COVERAGE Promises Building Limit of No, No. Coverage Insurance BOP-7034 (Ed. 4-09) Page 1 of 1 Insured Copy Issued: 07/18/2014Hateyevite Prater Inurance Company coc ee 358 Mapa Avenue Heteyoe, Pa 1400-2207 i . Harleysville oe Good people to know Insured: Adams Mill River Condominium Association Policy Number: BOP00000077367R Agent: TRUE & KOOKOGEY INC Policy Perlod: 09/01/2014 to 09/01/2015 RENEWAL CERTIFICATE ADDITIONAL INSURED SCHEDULE P0409 - ADDL INSURED-MORTGAGEE, ASSIGNEE OR RECEIVER, Mortgage Master Inc, ISAOA/ATIMA, 25 Adams Ave Stamford, CT 06902 3754 ‘8P0409 - ADDL INSURED- MORTGAGEE, ASSIGNEE OR RECEIVER PNG Mortgage, a Division of PNC Bank Nation Association 25 Adams Ave Stamford, CT 06902 3754 P0409 - ADDL INSURED-MORTGAGEE, ASSIGNEE OR RECEIVER Wells Fargo Bank, NA #936 Its Successors and/or Assigns 25 Adams Ave Stamford, CT 06902 3754 GU-7002 (Ed. 4-09) Paget of 4 Insured Copy Issued: 07/18/2014- '80P00000077367R te ieee atoysile ralorred insurance Company Harleysville itr teee cer Good people toknoni etme erein can Insured: Adams Mill River Condominium Association Policy Number: BOP00000077367R Agent: TRUE & KOOKOGEY INC Policy Period: 08/01/2014 to 09/01/2015 RENEWAL CERTIFICATE LOCATION SCHEDULE Prems. Bldg. No. No. Address 001 ALL 25 Adams Ave ‘Stamford, CT 06902-3754 ‘GU-7005 (Ed. 4-09) Page 1 of 1 Insured Copy 07/18/2014oy Harleysville Good people ro know’ oP o0000077367% aroysie Prtered insures Company 355 Maple Averve hedoysite, PA 19638-2207 veharoyeilopeip.con Insured: Adams Mill River Condominium Association ‘Agent: TRUE & KOOKOGEY INC Form Edition Policy Number: BOP00000077367R. Policy Period: 09/01/2014 to 09/01/2015 RENEWAL CERTIFICATE FORM SCHEDULE ‘ INDICATES A NEW OR REPLACEMENT FORM. RETAIN THESE AND LISTED FORMS NOT REPLACED Description POLICY FORMS * pyooo4 * @u7002 Gu7005 BOP7000 BOP7001, BOP7008 BOP7009 BOP7011, BOP7018 BOP7027 * BOP7028 BOP7030 BOP7058 BOP7081 BOP7092 * BOP7152 * BoP7154 BPO003 BPO159 BPO211 * BPO409 ‘BPO501 BPOS1S ‘BP0523 BPO542 + BPosé4 BPO577 P0601 BP1708 0514 0409 0409 0609 0108 0106 0106 0109 106 0106 0108 0106 0209 0208 0511 0713 0713 0106 0808 0312 0108 0702 o108 o108 0108 o107 0108 0107 0106 GU-7004 (Ed. 4-09) Policy Jacket- HPIC ‘Additional Insured Schedule Location Schedule BUSINESSOWNERS FORMS Businessowners Endorsement Equipment Breakdown Coverage Spoilage Coverage Uliity Services - Time Element Water Back-Up And Sump Overtiow ‘Two or More Policies Issued By Us Exclusion - Asbestos, Silica, of Talc Earthquake and Volcanic Eruption (Sub-Limit Form) Exclusion -Lead Liability Employment Practices Liability Coverage Employment-Related Practices Exchision Connecticut Changes ‘Connecticut Spoitage Coverage Amendment Connecticut Changes - Equipment Breakdown Coverage Businessowners Coverage Form ‘Water Exclusion Endorsement Connecticut Changes ‘Additional Insured - Mortgage, Assignee, Or Receiver Calculation of Premium Disclosure Pursuant to Terrorism Risk Insurance Act Cap On Losses from Gerlfied Acts of Terrorism Excl of Punitive Dam Rel o a Cert Act of Terrorism Conditional Exclusion of Terrorism Fungi Or Bacteria Exclusion (Liability) Exclusion of Loss Due to Virus or Bacteria ‘Connecticut Changes - Condominium Association Coverage Page tof 1 lssued: 07/18/2014 Insured Copy‘80P00000077267R we Haroyste Pater sarace Compeny Harleysville iesseue Good people ta kno wwenareyoiegraup com Insured: Adams Mill River Condominium Association icy Number: BOPO0000077367R ‘Agent: TRUE & KOOKOGEY INC Polley Period: 09/01/2014 to 09/01/2015 RENEWAL CERTIFICATE POLICYHOLDER NOTICE SCHEDULE ‘The following material contains important information about your policy. Please read it carefully. ALL FORMS ARE ATTACHED. RETAIN UNLESS DELETED OR REPLACED. * INDICATES A NEW OR REPLACEMENT FORM. Form Edition Description POLICY FORMS GU1197 0706 -—_Harleysville Insurance Privacy Pledge ST7555 —1104_Important Notice to Polieyholders. * §17870 0414 Conditional Exclusion of Terrorism ‘GU-7000 (Ed. 4-09) ee Insured Copy Issued: 07/18/2014‘BoPo0000077367R BOP-7000 (Ed. 08-09) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BUSINESSOWNERS ENDORSEMENT ‘This endorsement modifies insurance provided under the following, BUSINESSOWNERS COVERAGE FORM ‘SECTION | PROPERTY 4, BUSINESS PERSONAL PROPERTY IN THE OPEN EXTENSION In paragraphs 1.b., 6..(1)(a), 6.9.(1) and 6, under Section | ~ Property, A. Coverage, any reference to 100 feet is re- placed by 7,000 feet. 2, FIRE DEPARTMENT SERVICE CHARGE Section | - Property Additional Coverages A.5.c. is replaced with the following: c. When the fire department is called to save or protect Covered Property from a Covered Cause of Loss, we will pay up to $28,000 for your lability forthe fire department service charg (1) Assumed by contract or agreement prior to loss; or {2) Required by local ordinance. 3, BUSINESS INCOME - ORDINARY PAYROLL EXPENSES Section | - Property Additional Coverages paragraph A.S.f.(1)(b) is replaced withthe followin, ‘We will only pay for loss of Business Income including ordinary payroll expenses that you sustain during the ‘period of restoration” and that occurs within 12 consecutive months after the date of direct physical loss or damage. 4, POLLUTANT CLEAN UP AND REMOVAL The last paragraph of item A.5.h. under Section | - Property Additional Coverages is replaced with the following: ‘The most we will pay for each location under this Additional Coverage is $25,000 for the sum of all such ex- penses arising out of Covered Causes of Loss occurring during each separate 12 month period of this policy. 5. MONEY ORDERS AND "COUNTERFEIT MONEY" The last paragraph of item A.5j. under Section | - Property Additional Coverages is replaced with the following: The most we will pay for any loss under this Additional Coverage is $10,000. 6, FORGERY OR ALTERATION Section | - Property Additional Coverages paragraph A.5.k.(4) is replaced with the following: (4) The most we wil pay for any loss, including legal expenses, under this Adcitional Coverage is $10,000 unless a higher Limit of Insurance is shown in the Declarations, 7. FIRE EXTINGUISHER SYSTEMS RECHARGE EXPENSE Section | - Property Additional Coverages paragraph A.5.0.(3) is replaced with the following (3) The most we will pay under this Additional Coverage is $10,000 in any one occurrence. The amount payable under this Additional Coverage is additional insurance. BOP-7000 (Ed. 06-08) Includes copyrighted material ofthe Insurance Services Ofice with ts permission Page 1 0f 8 © ISO Properties, Inc, 2005‘8000000073678 8, REWARD COVERAGE ‘The following is added to Section | - Property Additional Coverages: Reward Coverage . We will reimburse you up to $25,000 for rewards paid to an eligible person for information leading to the arrest ‘and conviction of any petson or persons for arson, theft or vandalism which caused a loss covered by this pol iy. The amount payable under this Additional Coverage is additional insurance. This Additional Coverage applies subject fo the following conditions: (1) An eligible person means that person designated by a law enforcement agency as being the first to voluntar- ily provide the information leading to the arrest and conviction, and who is nat (a) You or any family member; {b) Your employee or any of his or her family members; {c) An employee of a law enforcement agency, (d) An employee of a business engaged in property protection; (@) Any person who had custody of the Covered Property atthe time the theft was committed: or (8) Any person involved in the crime. {2)No reward willbe reimbursed unless and unti the person(s) committing the crime is (are) convicted. (3) The lesser of the amount of the reward or limit applicable to this coverage is the most we wil reimburse for loss under this Additional Coverage in any one occurrence regardless of the number of oligible persons re- warde 9. CONSEQUENTIAL LOSS TO STOCK ‘The following is added to Section | - Property Additional Coverages: Consequential Loss To Stock ‘&. We will pay the reduction in value of the remaining undamaged “stock” when the reduction is caused by direct physical loss or damage from a Covered Cause of Loss to other ‘stock’ al the same described premises. b. The most we will pay under this Additional Coverage for each described premises is $25,000. 10, DAMAGE TO RENTED BUILDINGS The following is added to Section | - Property Additional Coverages: Damage To Rented Bulldings ‘a, We will pay for damage to buildings at the descrived premises, which you occupy but do not own, when you {assume an obligation fo pay forthe damage though lease of cofract provide the loss or ammaye cccurs after the execution of the lease or contract. This coverage is subject to the Causes of Loss, Conditions, Exclusions and other provisions of this policy that apply to bultdings. 'b. The most we will pay under this Additional Coverage is $5,000 in any one occurrence. 44, NEWLY ACQUIRED OR CONSTRUCTED PROPERTY ‘a, Section | - Property Coverage Extensions paragraphs A.6.a.(1) and (2) are amended as follows: (1) Buildings ‘The most we will pay for loss or damage under this Extension is $1,000,000 at each building. (2) Business Personal Property ‘The most we will pay for loss or damage under this Extension is $500,000 at each building. . Section | - Property Coverage Extensions paragraph A.6.2.(3)(b) Is replaced with the folowing: (2) Period Of Coverage (b)60 days expire after you acquire the property or begin construction of that part of the building that would ‘qualify 28 covered property; or 12, PERSONAL PROPERTY OFF PREMISES Section | - Property Coverage Extensions paragraph 6.b. is amended as follows: The most we will pay for loss or damage under this Extension is $25,000, unless a higher Personal Property Off Premises Limit of insurance is shown in the Declarations, BOP-7000 (Ed. 06-09) Incudes copyrighted material ofthe Insurance Services Offce with is pemmission _-—Page 2of 8 ‘© 180 Properes, Ine, 2005,‘8000000077367 13, OUTDOOR PROPERTY ‘a, Section I - Property Not Covered paragraph A.2.. is replaced withthe following: ‘Outdoor trees, shrubs or plants except as provided in the Outdoor Property Coverage Extension, b, Section I - Property Coverage Extensions paragraph A.6.c. is replaced with the following: . You may extend the insurance provided by this policy to apply to your outdoor trees, shrubs and plants, includ- ing debris removal expense, except we do nol pay for usual and customary maintenance and service expenses. The most we will pay for loss or damage under this Extension is $5,000 but not more than $500 for any one tree, shrub or plant, ¢. Section Limits of Insurance paragraph C.2. does not apply. 4d. Section |— Exclusions paragraph B. does not apply to outdoor signs at the described premises except for: (1) Paragraph B.1.¢., Governmental Action; (2)Paragraph B.1.d., Nuclear Hazard; and (8) Paragraph B.1.., War And Military Action. . We will not pay for loss or damage to outdoor signs caused by or resuling from: (1) Wear and tear, (2) Hidden or fatent defect; (3) Rust; (4) Corrosion; or (5) Mechanical breakdown, 44, PERSONAL EFFECTS ‘Section I - Property Coverage Extensions paragraph 6.d. is amended as follows: ‘The most we will pay for loss or damage under this Extension is $25,000 at each described premises. 416. VALUABLE PAPERS AND RECORDS Section | - Property Coverage Extensions paragraph A.6.0,(3) is replaced by the following: (3) The most we will pay under this Coverage Extension for loss or damage to "valuable papers and records" in any one occurrence at the described premises i $25,000, unless a higher Limit of Insurance for "valuable papers and records” is shown in the Declarations. For “valuable papers and records" not al the described premises, the most we wil pay is $10,000. 16. ACCOUNTS RECEIVABLE Section | - Property Coverage Extensions paragraph A.6.. (2) is replaced by the following: (2) The most we will pay under this Coverage Extension for loss or damage in any one occurrence at the described premises is $25,000, unless a higher Limit of Insurance for accounts receivable is shown in the Declarations. For accounts receivable not at the described premises, the most we will pay is $10,000, 17, LOCK REPLACEMENT The following is added to Section | - Property Coverage Extensions: Lock Replacoment You may extend the insurance provided by this policy to apply to the cost to repair or replace the door locks or tumblers at the described premises due 0 the theft of your door Keys which was reported to the police, Theft Under this Coverage Extension does not include unexplained disappearance. The most we will pay under this Coverage Extension is $1,500 per occurrence, 48. CLAIM DATA COLLECTION EXPENSES The following is added to Section I - Property Coverage Extensions: Claim Data Collection Expenses ‘You may extend the insurance that applies to Covered Property to apply to the expense you incur in preparing Claim data when we require I This Incudes the cost of takiig ventones, making spprasats and propane, ste: documentation to show the extent of loss. We will not pay for any expenses billed by and payable to public or pri- vate insurance adjusters. The most we wili pay under this Coverage Extension is $10,000. BOP-7000 (Ed. 06-09) includes copyrighted materiel ofthe Insurance Services Office with its permission Page 3 of 8 ‘© 180 Properties, inc, 2005180P00000077357R 19, DEDUCTIBLES a. Section | - Property Deductibles paragraph D.2, does not apply. b, Section | - Property Deductibles paragraph D.3. is replaced with the following: 3. No deductible applies to the following Coverages: Fire Department Service Charge: >. Business Income; , Extra Expense: ¢. Civil Authority; e. Fire Extinguisher Systems Recharge Expense; f. Accounts Receivable; ‘g. Money and Securities; h. Valuable Papers; 4. Outdoor Signs; J. Glass; , Employee Dishonesty, Lock Replacement; 'm, Claim Data Collection Expenses: and 1. Reward for Arson or Theft Conviction, 20. LOSS PAYMENT a. Ifthe “Actual Cash Value — Buildings” option does not apply, Section | - Property Loss Payment paragraph E.8.d, {1)(a) is replaced with the following: 4. Except as provided in Paragraphs (2) through (7) below, we will determine the value of Covered Propet as fl {(1)At replacement cost without deduction for depreciation, subject to the following: (a) We will pay the cost to repair or reptace, after application of the deductible and without deduction for de- preciation, but not more than the least of the following amounts: (0) The Limit of insurance under Section | - Property that applies to the lost or damaged property; (li) The cost to replace, on the same premises, the lost or damaged property with other property: |. Of comparable material and quality; and ii, Used for the same purpose; or {a -The amount that you actualy spend that is neceesry to reper or replace the lost or damaged prop- e I a buling ie cebu at 2 new premises, the cost is Iie fo the cost which would have been incured hhad the building been buit at the original premises. b. Ifthe “Actual Cash Value ~ Buildings" option does not apply, Section I - Property Loss Payment paragraph E.5.4. {1)(b) does not apply. c. Section | - Property Loss Payment paragraph E,6.d. (3)(b) does not apply except to property described under Section 1E.8.4.(3) items (a), (c), (d) and (e). 21, MONEY AND SECURITIES Section | - Property Optional Coverages paragraph G.2.c. is replaced with the folowing: ‘c. The most we will pay for loss in any one occurrence is: {1)$25,000 for Inside the Premises for “money” and “secutties’, unless a higher Limit of Insurance is shown in the Declarations, while: {a)In oron the described premises; or (b) Within a bank or savings institution; and (2)$25,000 for Outside the Premises for “money” and "securities, unless a higher Limit of Insurance is shown in the Declarations, while anywhere else. BOP-7000 (Ed. 06-09) Incuses copyrighted meterial ofthe Insurance Services Office wih ts parmission Page 4 of8 © 180 Properties, Inc. 2005'80P00000077367R 22, EMPLOYEE DISHONESTY ‘a. Section | - Property Optional Coverages paragraph G..3.c. is replaced with the following: ©. The most we will pay for oss or damage in any one occurrence is $25,000 unless a higher Limit of Insurance for Employee Dishonesty is shown in the Declarations. b. The following paragraph is added to Section | - Property Optional Coverages, G.3. Employoo Dishonesty: ERISA (1) The employes benefit plan(s) shown in the Declarations (hereafter refered to as Plan) are included as In ‘ureds for purposes of Employee Dishonesty Coverage. {2) If any Plan is insured joint with any other entity under this policy, you or the Plan Administrator must select @ Limit of Insurance for Employee Dishonesty Coverage that is sufficient to provide a Limit of Insurance for each Plan that is at least equal to that required if each Plan were separately insured {8)With respect to loss sustained or discovered by any such Plan, paragraph a. of Section | - Property Op- tional Coverages, G.3. Employee Dishonesty is replaced by the following: ‘. We will pay for oss of or damage to "money *, “securities” or any other tangible property resulting directly from fraudulent or dishonest acts committed by an employee, whether identified or not, acting alone or in collusion with other persons. {4)If the first Named Insured is an entity other than a Plan, any payment we make for oss sustained by any Plan will be made to the Pian sustaining the loss. {8)If two or more Plans are insured under this policy, any payment we make for loss: {@) Sustained by two or more Pians; or {b) Of commingled "money", “securities or other property of two or more Plans; resulting directly from an occurrence, will be made to each Plan sustaining loss in the proportion that the Limit of Insurance required for each Pian bears to the total Limit of Insurance of all Plans sustaining loss. (8) Employee benef plan(s) means any welfare or pension benefit plan shown in the Declarations that is sub- ject to the Employee Retirement Income Securily Act of 1974 (ERISA). (7) For purposes of Employee Dishonesty Coverage for employee benefit plan(s), the term employee also means any natural person who (a) A trustee, officer, employee, administrator or manager, except an administrator or manager who is an inde- ‘pendent contractor, of any employee benefit plan; and (b) A ditector or trustee of yours while that person is engaged in the handling of "money *, “secu‘iies” or other tangible property of any employee benefit plan. (8) For purposes of Employee Dishonesty Coverage for employee benefit plan(s), the term discover or discovered means the time when you first become aware of facts which would cause a reasonable person to assume that a loss of a type covered by this insurance has been or will be incurred, regardiess of when the act or acts causing ‘or contributing to such loss occurred, even though the exact amount or details of loss may not then be known. Discover or discovered also means the time when you first receive notice of an actual or potential claim in which its alleged that you ae ible toa tid party under cieumstances which, i true, would conetiute a loss under is Insurance. 23. PERIOD OF RESTORATION Section | Property Definitions H.9.a,(1)(a) is replaced with the following: 9. "Period of restoration": ‘a, Means the period of time that: (1) Begins: (a) Immediately ater the time of direct physical loss or damage for Business Income Coverage: of ‘SECTION I) — LIABILITY 4. INCIDENTAL MEDICAL MALPRACTICE LIABILITY The following paragraph is added to Section il- Liability, Exclusfon B.! Professional Services: This exclusion does not apply to “bodily injury” arising out of the rendering, or failure to render medical or para- ‘medical services to persons by any nurse, emergency medical technician or paramedic who is employed by you to provide such service, However, this exception does not apply f you are in the business or occupation of provi ‘any professional heaith service or treatment. BOP-7000 (Ed. 06-08) Includes copyrighted material ofthe Insurance Services Office with its permission Page 5 of 8 ‘© ISO Properties, Inc, 2005‘B0PD0000077967% 2, DAMAGE TO PREMISES RENTED TO YOU ‘The second paragraph of Section il — Liability, Exclusion B.1.k, Damage To Property is replaced with the follow- ing Paragraphs (1), (3) and (4) of this exclusion do not apply to “property damage" (other than damage by fire) to the contents of premises rented to you for a period of 7 or fewer consecutive days. The coverage provided by {his paragraph for the contents of premises rented to you for a period of 7 or fewer consecutive days is subject to the Damage to Premises Rented to You Limit of Insurance as descrived in Section il - Liability paragraph D. Liability And Medical Expenses Limits of Insurance and is included within and not in addition to such Limit of Insurance. 'b, The last paragraph under Section Il - Liability Exclusions Applicable To Business Liability Coverage is re- placed with the following: Section I~ Liability Exclusions c,d... g. Band 0, donot apply 0 “property damage’ to premises while rented to you, of temporary occ you with permission of the owner. Exclusions f. and i, 0 not apply to property dartage’ by fe or explosion to premises wile rented fo you or temporary occupied you with pernission ofthe ounar. A separate Damage To Promises Rented To You Lim of Insurance ap pls to this coverage as desrived in Paragraph D. Lablly And Medical Expences Limits of Insurance in Soc- ion Il — Liability ¢. Section I! Liability And Medical Expenses Limits of Insurance paragraph D.2. is replaced with the following: 3, The most we will pay under Business Liabilty Coverage for damages because of ‘property damage" to premises while rented to you or temporarily occupied by you with permission of the owner is $100,000 unless a higher Damage To Premises Rented To You Limit of Insurance is shown in the Declarations as applicable to spectied premises and then such limit applies to the premises s0 designated. d. The second paragraph of D.4, Aggregate Limits under Section Il Liability And Medical Expenses Limits of In- surance is replaced with the following and supercedes any other amendment to the same provision: ‘Subject to subparagraph a. of b. above, whichever applies, the Damage To Premises Rented To You Limit is the most we will pay for damages because of “property damage" to any one premises while rented to you or temporarily occupied by you with permission of the owner. 3. ADDITIONAL INSURED - LESSOR OF LEASED EQUIPMENT ‘The following is added to Paragraph C. Who Is An Insured in Section Il — Liability: ‘8. Any lessor of equipment leased to you is also an insured, but only with respect to iabily for “bodily injury’, ‘prop- erty damage" of "personal and advertising injury” caused, in whole or in part, by your maintenance, operation or se of equipment leased to you pursuant fo a written lease agreement or other writen contract that requires such lessor be added as an additional Insured on your policy. With respect fo the insurance afforded to these additional Insured, this insurance dogs nol apply to any “cocutrence” which takes place ater the equipment lease expres, b. Any coverage provided to this additonal insured is excess over any other valid and collectible Insurance available to the additional insured whether primary, excess, contingent or on any other basis unless the written contract spe- ffically requires that this insurance be primary and that the addtional insured's coverage be non-contributory. Even if these requirements are met, this coverage wil share with other insurance available to the additional insured which is conferred onto such person or organization by a separate additional insured endorsement as follows: (1) Hall of the other insurance permits contribution by equal shares, we will flow this method also. Under this a proach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever comes firs. (2) I any of the other insurance does not permit contribution by equal shares, we will contribute by limits. Under this method, each insurer's share is based on the ratio of ts applicable limit of insurance to the total applicable limits of insurance ofall insurers. 4, ADDITIONAL INSURED - MANAGERS OR LESSORS OF PREMISES ‘&. The following is added to Paragraph C. Who Is An Insured in Section I~ Liability: ‘Any manager or lessor of premises leased to you is also en insured, but only with respect to liabily arising out of the ownership, maintenance or use of that part ofthe premises leased to you pursuant to a writien lease agreement cr other writen contract (collectively hereafter referred {0 as “the wiiten contract’) that requires such manager or lessor be added as an additional insured on your policy. . With respect to the provisions of 4.a, above, the following exclusions are added to Section Il ~ Liability: This insurance does not apply to: (1) Any “occurrence” that takes place after you cease to be a tenant inthe leased premises. {2) Structural alterations, new construction or demolition operations performed by or for the additional insured, {3)Any “occurrence” giving rise to the additional insured’s potential liabilty which begins before ‘the writen con- ‘tract is executed by all parties to “the written contract’ BOP-7000 (Ed. 06-09) Includes copyrighted material ofthe Insurance Services Olfice wit ts permission Page 6 of 8 (© 180 Properties, nc, 2005'8000000077367R (@)Liabity of an additonal ineured for ‘body Inlury ‘propery damage" and “personal end advertising injury Unless such "bos inury’, “property damage” and "personal and advertising Injury" ie Caused, m whole Or in Part, by acts of omissions of you or those acting on behalf of you. (8) The additonal insured’s contractual liability to indemnify, defend or hold harmless a third party, whether or not ‘such contract is an “insured contract’, unless such liability would arise based upon tort law principles in the ab- ‘sence of a contract oF agreement. cc. The insurance provided to the additional insured by this endorsement is limited as follows: (1) The additional insured is covered only for such sums that the additional insured is legally obligated to pay as ‘damages under tort law principles to the injured party because of ‘bodily injury’. "property damage" or “personal and advetising injury” to which this insurance applies and, in accordance with the stated policy limits, exctu- sions, imitations and conditions, except as expressly modified by this endorsement. (2) The limits of insurance are those set forth in the Declarations or those specified in the written lease agreement ‘or other wrillen contract, whichever is less. 4. Any coverage provided to this adcitional insured is excess over any other valid and collectible insurance available to the addtional insured whether primary. excess, contingent or on any other basis unless the written contract spe-